vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: CA

Complaint narrative:
1. XX/XX/2019-MISCELLANEOUS FEES ON MY ACCOUNT-UNEXPLAINED 2. XX/XX/2019-MISCELLANEOUS FEES ON MY ACCOUNT-UNEXPLAINED 3. MY INTEREST RATE WAS RAISED TO 5.375 % -- -BANK DID NOT PROVIDE ADEQUATE DISCLOSURES OF THE INTEREST RATE HIKE 4. EARLIER THIS YEAR I SENT IN INFORMATION FOR DIRECT DEPOSIT, IT WAS NOT ACKNOWLEDGED ... AND NOBODY FROM KEY BANK CONTACTED ME TO RESOLVE ... .INSTEAD THEY JUST REPORTED MY ACCOUNT AS DELINQUENT TO THE CREDIT BUREAU 5. KEY BANK CONTINUED TO CHARGE FEES TO A DEBIT ACCOUNT I HAD WITH THEM ( WHICH HAD A POSITIVE BALANCE ) ... UNTIL THE BALANCE WAS NEGATIVE {$270.00} AND THEN INSTEAD OF CALLING ME TO RESOLVE, THEY HANDED THE ACCOUNT OVER TO A COLLECTIONS AGENCY. 

KEYBANK HAS HURT MY CREDIT SCORE WITHOUT EVEN CONTACTING ME FOR PAYMENT AFTER IT FAILED TO PROCESS MY DIRECT DEPOSIT AUTHORIZATION PAPERWORK, IT HAS CHARGED MY DEBIT ACCOUNT HUNDREDS IN FEES WITHOUT ANYONE NOTIFYING ME AND THEN SENDING TO COLLECTIONS. 

THESE ARE PREDATORY BANKING PRACTICES THAT SHOULD BE STOPPED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
Diversified Adjustments recently reported a {$2600.00} collection account on my credit report. Prior to the appearance of this account on my report, I did NOT receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I purchased two items from the duty free shop in XXXX XXXX using my Bank of America Travel Rewards credit card. Total amount for the transaction was XXXX euros. I have the receipt as proof. With the exchange rate at the time, it came to about {$410.00}. However, my credit card was charged {$470.00}. So I disputed the difference, which is {$61.00}. 

During the dispute process, the merchant provided Bank of America two receipts. One for XXXX euros ( the one I also have ), and a second receipt that I was never made aware of at all and for a different amount. Based on that second receipt, Bank of America decided to rule in the merchant 's favor. 

As mentioned above, I was never made aware during the sale that I would be charged a different amount than that of the receipt originally provided to me ( for the XXXX euros ).  Furthermore, I don't understand why Bank of America isn't concerned that two completely different receipts are being provided to them from the merchant, and Bank of America is only going to consider the second receipt when making their decision.

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 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I applied for a loan modification and was approved for trial payments starting XX/XX/19 for 3 months trial payment, I made all the payments on time and continued to make payments every month after. I was told I would get my permanent loan modification agreement after 3 trial payments but as of yet I have not received anything.. I continue call 2 times a week to follow and was told there is delay, but its been way too long, for past week I have been trying to reach someone at Bayveiw to make my another payment but have not been successful, I leave message and no one returns my call. I have a sale date on XX/XX/19 am very concerned to loose my house, I have people and agents showing up at my door saying my home is going to foreclosure. 

I would like my permanent loan agreement asap and bring my loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Financial Credit Network Inc
State: AL

Complaint narrative:
I initially contacted the creditors to resolve this debt. I provided all necessary insurance information from both my primary XXXX XXXX XXXX XXXX and secondary XXXX XXXX insurance coverages. I was told that they would take care of it and get back with me the following day. I did not get a call back and assumed that insurance had taken care of the bill. I monitored my credit report updates weekly but did not see the debt resolved. A little over a month later I just decided to pay the debt out of pocket. My credit report has showed a balance due of {$360.00}, however, when I called the Financial Credit Network company I  was told the amount due was {$380.00}. I payed the {$380.00} payment plus the convenience fee of {$4.00}. I feel that this was incorrect information. After payment was made by credit card, I received an email receipt that listed my and my spouses address as incorrect. I dont trust that this information will get posted and cleared up correctly. I was told to wait 90 days to verify that things would correctly post. I think a wait of 90 days to verify this is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed dispute after dispute after dispute with XXXX  about the following that reported on my credit report that is fraudulent and do not belong to me. The following are listed : These are fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX - Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -Automobile  Dealers, XXXX XXXX Financial  Inquiry from XX/XX/XXXX - Auto Financing The following does not belong to me : XXXX XXXX   Account Info Reported on XX/XX/XXXX XXXX  retrieved this information from a third party ( XXXX XXXX ) Chapter XXXX Bankruptcies Courts Do Not report to any credit bureaus. I have sent in numerous times certificated letters contesting this information but no change.

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
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
My wife was required medical attention after XXXX  XXXX in XX/XX/XXXX or XX/XX/XXXX. 
XXXX XXXX Hospital, XXXX We had insurance and explained to the hospital several times. Then Progressive Management took over the account. They reported to the credit reporting services a {$1300.00} balance. 

They called many times to harass my wife and she ask for information but it was never received. After much harassment she ask that they not call her cell phone. 

Now somehow after disputes it continues to grind on my families credit score. XX/XX/XXXX I called Progressive and ask if there was any way to fix this problem and enable me to rebuild my credit. This is the only black mark I have except high balances. They said they would only accept the balance in full. I said after 6 years you should not even be harassing my family. They offered no help. 

While billions of dollars were written off after Obama care, and our health insurance has tripled in cost the large medical institutions and their collection agencies harass their customers when the costs were triple what they should be and they offer no sensible discussion or terms. 

Shame on XXXX. Shame on Progressive Management. May the wrath they bring on their customers come down on them. 

I urge the CFPB to help us and make an example of what they should have done in the first place. 

XXXX XXXX & XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear officer, I am bringing up this matter to you so you can help collect my money from XXXX/PayPal. Com. 
On XX/XX/2019, I tried to purchase refurbished Trimmer for {$59.00} but XXXX said the sale was 'Incomplete '!!! But they deducted {$59.00} three times and since then I have emailed them to refund my total {$170.00}, but they would not, and ignored. 
Please help me recover money and spmething, some law should be in place to punish big business like XXXX/PayPal. They rip off unsuspecting innocent Consumer and make millions of dollars like that. 
Kindly, help me in this matter. 

XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been of victim of Identity Theft. I did not Authorize anyone to Open any Accounts Using My personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im writing because I noticed that my most recent credit report contains a late payment of 30 day in XX/XX/XXXX of this years i call region back in XX/XX/XXXXof this year to change my payment due date to the XX/XX/XXXX of each month and also to set up an auto pay that never took place in my head i am thinking i am on auto pay and auto never took place i have the loan for a long time never miss a payment always made my payment on time. 
Id have an excellent repayment record.

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 2019-10-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Called to file and investigate the dispute. I was advised my information not matching the application that was filed.

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
Consumer complaint received 2019-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Sent an alert from Experian that my credit score decreased by 25 points. Called them to find out why, and they were unable to tell me and said any information they give me would be considered financial assistance and they are not allowed to give that kind of information. They had no explanation except to guess that because I have a home mortgage and that could be the reason. I have always had a home mortgage, and asked why now after all these years would that decrease my score ( which was over 800 ). My wife 's score was higher than mine originally ( XXXX ) and hers is even lower than mine! They also had no explanation for her score being lowered so much. They said to go their website to their " simulator '', but you can not go anywhere without solicitation to purchase this or purchase that and never end up at simulator. It is also impossible to get through on their customer service number because it is all automated. So had to call dispute number. Please let me note that I have NEVER been late with any kind of payments, have no outstanding balances -- always pay balance down before due, as does my wife. My main complaint is that the I did not, nor does the public ask them to monitor me ( us ), but if they do and are treated unfairly, they need to explain and give a reason. They were unable to. They offer a " Raise your score here '' but only if you give them more information that you do not want to give. And if they are able to raise your score, why don't they???

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 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a loan on a XXXX XXXX in XX/XX/XXXX. I never missed a single payment on the vehicle until XX/XX/XXXX, which was the very last payment due on the loan. We have moved three times in the last couple of years. I'm not sure if they ever tried to send us anything, but we never received it if they did. I went into the local Fifth Third Bank, because I could not find my payment book. That's when I was notified that I was making my last payment, when in reality I had one payment left after that ( the missed payment ). We received an email from XXXX XXXX about the missed payment, and I paid it immediately. It still negatively impacted my credit score by 60 points due to one misinformed missed payment after years of paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Loan with Santander Consumer USA contract signed on XX/XX/XXXX with 60 monthly payments. 1st payment due in XX/XX/XXXX. The co-signor ( ex-boyfriend ) and myself parted ways in XXXX. I was not aware he failed to make the XX/XX/XXXX payment. I contacted the bank a few months after advising them that the co-signor and I are no longer together and I was stuck paying for the entire household bills and two car payments and I needed to see what they can assist me with. The extended the loan for XX/XX/XXXX and changed my payment arrangement from {$350.00} per month to the principal of {$210.00} for 6 months. The original payment will be come due XX/XX/XXXX. I have contacted them on numerous occasions telling them their accounting and the payments to the account are not being credited correctly. I said 1 day I owe {$2200.00} I make a payment and it comes down to {$1500.00}. I recently just went on my account XX/XX/XXXX @ XXXX in showed that I owed a balance {$1500.00}. I made a payment of {$350.00} logically and in basically math from their system should have said balance {$1100.00} but as of today it shows {$950.00}. I have made all payments according to arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: MA

Complaint narrative:
The servicer is insisting that their " system '' does not allow them to apply overpayments without creating a " paid ahead '' status. I do not consent to being in a " paid ahead '' status, and wish for my full monthly parent to be due, regardless of whether or not I've made an overpayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a call to my mobile phone looking for my wife. I was told it was concerning a small business matter and they failed to identify. I stated please tell me what company do they represent and what business matter, and they refused to answer repetitively. I Did say my wife is not at my number. I stated since they are refusing to properly identify themselves that any numbers they have on file are to no longer be used to make contact and furthermore only contact regarding the small business matter through mail. And any further attempt to contact by phone in this small business matter can be met with civil litigation. I was then told the are from Portfolio Recovery Systems. At this point I was also told they are ending the call. This happen XX/XX/19. They just called again XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Called to file and investigate the dispute. I was advised my information not matching the application that was filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I payedoff my balance in the account and I didn't use my credit card for about 8 months or so. Suddenly, I noticed three hits in my credit score for late payments and my credit card closed. I talked to three different costumers service representatives, including one of the supervisors. I asked them why my account is closed and two of them replied that I didn't pay my annual fee in my card, which there isn't an annual fee on it and the supervisors told me that it was because of an interest fee after I payed off my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
OCWEN FORCLOSED ON THE PROPERTY WHILE I WAS IN THE MIDDLE OF A LOAN MODIFICATION WITH A HUD COUNSELER FOR THE STATE OF MARYLAND THERE WAS NO MITIGATION OR MEDIATION OFFERED AS REQUIRED BY MARYLAND STATE LAW. XXXX AND XXXX WAS THE TRUSTEE A COMPANY THAT HAS ALSO BEEN SUED FOR THIS PRACTICE AS WELL IAM STILL IN THE HOME THERE HAS BEEN NO LETTERS OF EVICTION OR ANY NOTICE TO LEAVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/2019, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating that they intend to file a 1099-C form for a debt that I have disputed as being valid from 16 years ago. This is a violation of collection laws as my request to provide proof of debt with the former collection agency regarding this debt went on deaf ears. Additionally, this debt has lapsed all of the time limitations of my state and is not able to be collected legally. This law firm is infringing on my legal rights. In addition to filing a CFPB complaint, I will also be filing an IRS 1099 complaint against this law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My boyfriend and I had an international flight cancellation / disruption due to illness ( with a doctor 's note ) in early XX/XX/XXXX that qualified us for the trip protection insurance that is offered to all Chase Sapphire Reserve credit card customers. I have had about 4 follow-ups with the travel insurance company that provides the trip cancellation insurance over the same documentations that I had already provided. I had reached out 4-5 times to ensure they had enough information to process my claim. Each time I was told that someone would review the information the following day and get back to me. But I would never hear back until I had to reach out again. There had been consistent delays and lack of communication. I had followed up with Chase, but they had to transfer me to the same 3rd party insurance provider. The insurance provider kept asking me for the same documentations ( doctor 's note / statement, airline 's proof of no reimbursement / no credit issued, which I had already uploaded ). I also had repeatedly explained that the airline, XXXX XXXX, would not issue a bespoke statement to indicate that no credit was issued. XXXX had asked me to upload their fare policy, which shows that given my fare class ( low ), they don't offer any refund / credit even in a medical emergency. 

Chase should find a different travel insurance provider - this one clearly does not work.

Company response to consumer: Closed with explanation