vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  ( XXXX ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/2018, XXXX stated, " Lenders Placed Insurance In your inquiry, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from XXXX dated XX/XX/2018 and received XX/XX/2018, XXXX states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to XXXX they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. XXXX continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a capital one venture card that i use as my main credit card. They recently made a change to their security so that I can no longer use third part transaction montoring and payment applications. I have about three different services that use, that do not work now b/c of the change. Given it is my account and my money that I'm spending and they are collecting pleanty of fees, I think they should allow their customers full access to the data and payments whenever and however we would like.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a current credit card with Capital One. I've been in and out of the hospital about 5 times in the last month and will likely be going to stay for XXXX XXXX soon. Both companies have been told that this is the case, but they are still calling my phone up to 5+ times a day with the same messages and I don't know what else to tell them. With the medications I'm on at the moment, I can't make any financial decisions with them, but they won't stop calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've noticed this inquiry which i did not authorize or gave any consents on following day : - XXXX XXXX XXXX XX/XX/2017 I surely believe maybe it's fraud or stolen identity. 

As result of this, my credit has been affected and preventing me for applying for loans. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I've noticed this inquiry which i did not authorize or gave any consents on following day : - XXXX XXXX XX/XX/2018 I surely believe maybe it's fraud or stolen identity. 

As result of this, my credit has been affected and preventing me for applying for loans. 


Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XXXX, I contacted TransUnion to tell them that a delinquent account listed on my credit report was a fraudulent one -- I did not open the account. 

It is a credit card account from XXXX XXXX XXXX. I had never heard of this bank before noticing the fraudulent account. The bank is nearly impossible to contact to speak with a human, and the account is still affecting my credit score and still shows up on my report. 

I can't emphasize enough that the account is not mine, and I have made many efforts to rectify the situation, and still feel I'm being held responsible for a delinquent account that I never opened in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I submitted 3 collection accounts for dispute with Equifax at the end of XXXX. Their determination was timely, but incomplete and incorrect. I submitted the exact same disputes to XXXX  and they removed the collections from my report. Equifax removed one, and said that the other 2 are valid, when they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in inquiry by the name of XXXX on XX/XX/2018 appeared on my XXXX credit report,, that i didn't authorized. i called and disputed it a let them know it was a fraudulent inquiry and once the investigation was done they mailed me the results saying the inquiry has been removed. i checked my credit report and it was still showing. i called them back and told them i was still on there they said they had to dispute it again. they did it again mailed me dispute papers saying it had been removed but i checked again and it is still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I took this loan XX/XX/2015. To bein with it is already predatory at 22.5 % interest over 6 years. But i did accept it. I negligently have not been monitoring my loan balance. I realized after 2 1/2 years I have paid {$310.00} of prinicpal. Based on the amoritzation schedule I should be around {$12000.00}. They say interest on late payments has accured. This was not disclosed or explained. Its insane! I am being robed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account because they decided that they couldnt maintain my account anymore, even tho I have been a loyal customer and pay my bills and if I overdraft I always pay that off in a couple of days or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Motolease, LLC
State: FL

Complaint narrative:
I had leased a motorcycle through XXXX XXXX in XXXX, FL. They go through a leasing company located in CA called MOTOLEASE. After I got the motorcycle in XX/XX/XXXX I made the payments of {$240.00} a month they were directly taken out of my bank account for a year and a half. I then realized my balance was not going down. Mind you this is a used motorcycle. I reviewed the contract they wanted me to pay XXXX $ plus another {$7000.00} after the completion of the loan to keep the bike ( XX/XX/XXXX XXXX XXXX  ). A brand new XXXX bike costs this much! I decided to terminate the lease properly. I handed the papers and the bike back over to XXXX XXXX within 10 days of calling them and letting them know I was going to do so. Now after two years they have not picked the bike up, they put on my credit I owe them {$14000.00} and the bike is in involuntary repossession. I have the paper work, email ( from the manager stating I did my part ) and several phone calls made to Motolease that I had attempted to rectify the situation. Now I can not even get a car in my name because it brought my credit score down so low. when i contacted the manager at XXXX XXXX he stated the bike was still in their shop and not surrendered by moto lease ... .this should not be affecting me i did my part right. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pan Am Collections, Inc.
State: PA

Complaint narrative:
They keep sending me letters of a debt i do not owe!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Sometime in XX/XX/XXXX I tried to use my American Express XXXX XXXX and to request for a credit increase. It was denied. I then called their call center and a representative told me that sometime in XX/XX/XXXX I should recieved a letter starring that American Express will be discontinuing the XXXX program and that all American Express cardholders accounts will be closed. My account closed?! I never recieved such a letter. Therefore I was informed by the rep that I will continue to make payments on the account, but I will be unable to use the credit card to make any charges. This was completely absurd and quite unfair to the consumer. I didnt even have the card for a year and American Express closed my account. The rep informed me that I had to reapply for a regular American Express Card, which they would have to go through the very same process as when I first applied for the card. I was quite insulted and irate about the whole situation, but then it gets worse. I then get a billing statement dated XX/XX/XXXX for the total amount due of {$1100.00} and with the minimum amount due of {$330.00} with a due date of XX/XX/XXXX. With the due date, there is a footnote stating If we do not recieve you minimum payment due by XX/XX/XXXX, you may pay a late payment fee off {$38.00} and your APR will increase to 29.99 % in penalty. 
Then I get a letter from XXXX XXXX XXXX, a professional Debt Recovery Agency. The date of the letter is XX/XX/XXXX. The creditor : American Express with the total amount due of {$1100.00}! Thats TWO DAYS after Amex submitted the billing statement I have been turned over to a collection agency and with a completely different total amount due! And it gets more interesting : I then get a letter from American Express thats dated XX/XX/XXXX informing me that my account has been transferred over to the collection agency XXXX XXXX XXXX with a total amount due of {$1100.00}! This letter was printed after THREE DAYS AFTER I GOT THE COLLECTION LETTER! WHATS GOING ON HERE?! WHAT HAPPENED TO THE ORIGINAL DUE DATE OF XX/XX/XXXX ON THE STATEMENT?! As a consumer I feel cheated. First American Express cancels the XXXX program and cancels my card without notice, then American Express cant wait to send me to collections and post to my credit report?! Quite unfair, impatient, smarmy banking/business practices! Very lowbrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America has made it very difficult to set up auto payment of the Bank of America Bill. I have had ongoing contact with them about how to set up auto payment. Other credit companies have an easy process. 

By making it a convoluted process, Bank of America profits from late fees and interest from people who would normally set up auto payment on their bills. Interested to see if BoA late charges are higher than other Credit Card companies. 

In my case, I have spent hours on the phone with BoA to try to set up auto payment on my accounts. 

Normally, this would be a good case for a class action suit, but the law was changed to not allow this in XX/XX/2017. 

Please investigate why BoA has such a bad process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: NY

Complaint narrative:
After I graduated college in XX/XX/2014, I had problems finding employment for a year. Despite being unemployed I had to pay XXXX XXXX in order to put the loan on deferment. I had to pay {$150.00} dollars every three months for a year. After my deferment period ended, I informed XXXX XXXX I could not afford the {$500.00} dollars monthly payments. The company refused to work with me and reported late payments on my credit report. XXXX XXXX late payments is effecting my life in a negative way. Despite me having a great credit score, I  can not apply for mortgage or new lines of credit. In the past I have submitted dispute letters to remove the late payments, but the company refuses to do it. I really tried my best to work with the company and because of their unfair practices I am suffering emotional. I feel the company has unfair practices, other student loan companies does not require individuals to pay for deferment and once you run out ; you must pay the amount each month. Many former college students are going through the same abuse and harassment from XXXX XXXX. I feel the government should regulate XXXX XXXX unfair practices because they are damaging many consumer lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I assume the calls are coming for a collection company overseas. When they initially contacted me it was during hours I was working and I asked them to send me something in writing and after that they continued to call me the same day after I had identified myself. I will speak with an agent and after hanging up they will flood my phone with calls after calls all day long and when I pick up there will be dead air. This is annoying and harassing because I am not avoiding them. The agents refused to hear me out I have asked them to stop calling me and even blocked their number and they contacted me from a different numbers. Today I decided to speak with someone and try this again. The guy kept talking over me wouldn't let me explain to him why I hadn't responded which was because I had moved and I hadn't gotten the letters but he kept cutting me off and started getting very agitated asking me do I intend to rectify this debt I have had long enough.. I tried to ask him what address he had but he continued to talk over me wouldn't verify the address they had on file for me. I told him I won't continue this call he is being rude and to not call my phone again or I will report him to the XXXX he said go right ahead and I ended the call. Because I realize that I possibly do owe this debt I called the company back and got someone else who also became with defensive and talked over me. I asked her to email me the bill and within 1 hour got another call from the company and it was just dead air. I feel like they can't understand me when I am talking, that maybe they have been trained to be aggressive. I don't want to deal or give money to anyone that treats me that way I would rather deal with the hospital. At the time I went I was in a financial crisis but situations are better now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
In XX/XX/2014, a default judgement was entered against me by Weltman, Weinberg & Reis Co. LPA. I called them and immediately set up monthly payments to pay off the judgement. I made all of these montly payments and then didn't hear from them again until now - 4 years later! Now, they say that I owe an additional {$290.00} and have garnished my wages in order to get it! I have NO idea where this additional amount came from or why on earth they waited FOUR years to come after me yet again! I called them and spoke to 2 different people and nobody seems to have their dates/amounts right at all! This seems HIGHLY suspect, bordering on illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing. PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. Equifax is reporting negative information from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Car Account ) which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP.  Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood The information they are showing is not completely reported on my reports from XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX PREVIOUSLY INFORMED ME THAT THEY ALLOWED A DATA BREACH OF MY XXXX XXXX CARD # XXXX XXXX XXXX XXXX AND THAT THEY HAD CANCELED THE CARD. THEY CONTINUE TO THREATEN ME WITH BILLS FOR CHARGES NOT MADE BY ME. I NO LONGER HAVE THE CARD. THEY REFUSE BY PHONE TO DISCUSS THE MATTER. 

I WOULD LIKE THE CARD CANCELED AND FOR ME TO BE RELEAASED OF ANY LIABILITY ASSOCIATED WITH THE CARD. XXXX XXXX REFUSES TO DO THIS. 

I NO LONGER HAVE THE CARD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief