vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Since GM Financial switched payment systems and companies they have failed to process payments. 
I have spent HOURS calling them trying to get my payments posted. Every month I spend more time researching my account, payments, calling them, following up, getting proof of payment and all but BEGGING for them to post the payments. 
My account is in a constant 'overdue ' status when its paid via electronic check every month. 
I was assured last week the issue was resolved, yet again, they failed to apply my payment from Thursday XX/XX/XXXX. 
I've worked with XXXX XXXX however he's just a facilitator to an endless cycle. I've lost time at work, I've lost sleep, I've had XXXX over the countless hours spent in nearly THREE MONTHS of this mess.

If this is not resolved, I will have no choice but to seek relief through court. I don't know what else to do. 
Also, this is the second complaint I've filed with the CFPB, the first complaint was 'closed by the company ' reporting that they fixed this issue. Clearly that was a false statement. 
Please do not permit this complaint to be closed without my confirmation that they've actually cured the issue. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Tried for 2 days to unfreeze my credit with Experian. Keep getting an error online and will not process request. When I call the XXXX phone number they give for customer service, you can not reach a person. You have to pay them to freeze and unfreeze credit report, which makes it worse, since you get no customer service from them.

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 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Attorneys XXXX, XXXX, and XXXX, in behalf of PORTFOLIO RECOVERY ASSOCIATES, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from a XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not. ) They said I had been properly served. I had not. Since I had not been notified, I did not appear in my own defense, so thy won a judgment. ( XX/XX/XXXX ) and placed a lien on my property without my knowledge. They did not notify me in any manner. I did not fin out about it until I applied for a property loan in XX/XX/XXXX. Part of the troublesome path I have been through is that PORTFOLIO and two law firms : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX, and XXXX who represented PORTFOLIO at various times stall and waste time blaming each other. I first filed this complaint against XXXX XXXX, XXXX XXXX XXXX because your question asks who notified me of this debt. They responded to you acknowledging my situation but said it was the fault of XXXX, XXXX, and XXXX. So I filed against XXXX, XXXX and XXXX. They responded to you acknowledging my situation but said it was the fault of PORTFOLIO RECOVERY ASSOCIATES. So I am now filing a complaint against PORTFOLIO. 
I got a lawyerin XX/XX/XXXX, who won for me ( Order Vacating, Voiding, and Holding for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. I can not afford to purue collection. Now a lawyer tells me there is a two/three year statute of limitations to sue them. I can't collect the judgement because the cost is prohibitive. 
XXXX, XXXX, and XXXX won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. 
They filed a lien for {$7100.00}. The Court has awarded me {$1900.00} by order of XXXX County judge, XXXX XXXX. I have suffered other financial damages because of being denied a loan from my bank. I have suffered other damage because of the time and stress in trying to deal with this series of events. I have documentation for all these activities, but I do not know how to attach them It is all on hard copy because my computer blew and the electronic file went with it! The company ( at least their lawyers ) has received all the material either from me or my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I filed a claim with XXXX XXXX in XXXX because I was not able to pay the bill due to being XXXX. I updated my address, but never received anything from them. I explained this to XXXX XXXX  multiple times and updated my information with both companies, yet I didnt receive any paperwork until XX/XX/XXXX. I have been harassed every single day multiple times a day since XXXX, even after I asked for them to contact me only through mail. On XX/XX/XXXX, I spoke with XXXX XXXX with XXXX XXXX  and explained my entire situation and she offered to place me on a hardship plan. That was never offered before. She wanted me to check with the insurance company first to see if they would still cover my debt and follow up with her on Monday, which would have been XX/XX/XXXX. She verified my phone number and also my mailing address and assured me that I would not be called again. I was contacted by XXXX XXXX  at least 10 times between XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, a distant cousin sent me a detailed voice mail message from XXXX that was left on her answering service for me threatening to take legal action. I dont understand how my family member was contacted about my personal business, but to get that message from them was humiliating. I have never given anyone permission to contact my family or anyone other than me. I need this rectified immediately and because of the inconsistencies with this company I want the debt erased. I am XXXX, waiting to resolve my XXXX and I am unable work. I lost my house and have not been able to pay my bills ; this is stressful in itself. My XXXX is both physical and emotional, so when they constantly call and harass me, threatening me after Ive explained my situation MULTIPLE times, it causes me even more stress. I am highly disappointed in XXXX XXXX and feel that they have violated the Fair Act Collections Practices Act in contacted me and relatives leaving detailed messages about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Originally when I purchased my home in XX/XX/XXXX I was told that I would pay PMI insurance for 5 years. After 5 years if I had 20 % equity in the value of my home I could stop paying PMI. 

On a visit to the bank ( Wells Fargo, loan servicer ) around XX/XX/XXXX I was told that if I waited till XX/XX/XXXX I already had enough equity in the home and by then 5 years would have passed and I could apply to remove the PMI payment. 

I contacted Wells Fargo this month XX/XX/XXXX to remove the PMI and they told me no they wont do it. they say that the agreement with the original lender is that I have to have paid 20 % of the original loan to remove the PMI. 

This was not what was explained to me when I signed with my broker and also not what was explained by the mortgage advisor at Wells Fargo the year previously. 

I would like help to have this PMI payment removed I have enough equity and I dont believe I was informed correctly when I took out the mortgage. 

Thank you, 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 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
You closed a complaint and marked it duplicate when it was a new complaint that has not been resolved .I payed {$250.00} to principal in XX/XX/XXXX and {$240.00} additional in principal in XX/XX/XXXX I have called weekly and emailed numerous emails and still have no answers or written documentation as to where my additional money has gone -please help!!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I contacted this company XXXX XXXX several times in attempt to complain about sales lady I am XXXX and XXXX I believe the lady knew it and took full advantage of me. She opened a credit card with a XXXX limit then said i needed to buy more stuff without having a parent who takes care of me there I was sold into XXXX worth of merchandise including mens XXXX XXXX sunglasses perfume a wallet and gym pants. When i returned to the store to return them after I had took my medicine they would not let me return the items. I am now having and looking into bankruptcy. I was only making XXXX on XXXX XXXX a year and they qualified me for XXXX limit more than I make in a month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I requested large print in all correspondences, Chase has refused to provide anything in large print and instead sent things in braile. 
Each time I try to request large print I get hung up on. 
I have been making this request for several months since I lost online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I was with XXXX for 2 years. Contract if any is expired already!!! I cancelled over the phone repeatedly 3 months ago, They have some stupid incompetent desk clerks phone answers. Took over 10 minutes before they could comprehend the simple meaning CANCEL my account, PLUS, they were cryptic about there version a FREE 3rd line. HOW would I continue to have a phony ghostline still open when I told this inapt phone answerer to cancel my account. That simple!!! NOW 3 months later they enrage and harass me with some dishonest collection agency sending me there obfuscation bill for XXXX, Where did this phony amount come from?! WHY was I never informed they were trying to cheat and defraud me because I cancelled. There miserable reputation for idiotic customer service is still true today!! Lousy reputation for sloppy incompetent customer service!!! I already paid my 2 lines when I cancelled!!! I have no clue where they self created this fraudulent debt from! Waste of time at there mismanaged stores, obviously set up that way to be intentionally futile and opprobriously malignant to get them to fix there own sloppy insulting blunders

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 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates ( PRA ) was reporting debt on my credit report as a factoring company and this is misrepresentation. It is my understanding that a factoring company specializes in financing invoices from businesses that have cash flow problems due to slow-paying customers. I have already tried resolving this issue with PRA through the XXXX XXXX XXXX to no avail. I have provided the section of my credit report that shows where the company misrepresented themselves. You can clearly see that the company represented themselves as a factoring company within the type of loan section in the attached document provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank removed my money from my account. They accused me of moving my money from one account to the other, but can't tell me where the money is. It is not in either of my accounts. They continue to give me the " runaround '', switching me from agent to agent. Noone can/will tell me where my money is. I get told different things by different agents, all conflicting with what the last agent said. I just want my money. My children and I are starving! I have not had access to my money in over a week!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX directly however the company ignored my request.

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 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX  directly however the company ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX directly however the company ignored my request.

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 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2018 I was scammed XXXX.. I called Wells Fargo for them to stop the payment. They told me they can not do anything and I have to reach out to the recipient which I did and I did not get a response. I called and text the number was no longer in service. This is so frustrating because my bank should be able to stop payment and help me out with this transaction. The transaction was with my bank Well Fargo through 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 monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Care credit card is horrible. I paid off what I owed on the card on time and more than the minimum balance, and when I went to use the card they had automatically closed off my account. Did not send me a letter explaining why and when I called customer service they were beyond rude and hung up the phone on me. All they told me was that although I had a good history with them because I did not use they card constantly they closed it. They also told me to re apply but if i don't use the card regularly it will be closed again. Every time you apply for them it affects your credit report even if you are approved. Its a credit card that can only be used for medical visits, medication, glasses ... etc, it's not something you are going to use everyday or month.

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 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
I checked my credit report yesterday ( XX/XX/XXXX ) and noticed I had an account in collections from a Cable company from back in XX/XX/XXXX. I was not aware of the balance so I called the Enhanced recovery company to see what was going on. They advised me that they were sent the bill back in XX/XX/XXXX. This company has not made any attempt at contacting me to let me know I had a bill in collections but they proceeded to place this delinquent bill on my credit report without my knowledge. When I spoke to the agent at ERC she told me they had a phone number on file that I have not had for 6 years and they have not made any attempt on mailing out any type of correspondence. I asked if this could be removed from my credit report and I will pay the balance but the agent told me no. I am extremely frustrated by the fact that Ive been working so hard the past last year to improve my credit report and this company can just ruin the progress that I have made without even letting me know I had a balance due in collections! I would have paid this if I would have known. The manager I spoke to was very condescending and patronizing, she told me to file a dispute and when I asked will they call me back with an update she said, Were not going to call you back but you can feel free to call us if you want. This is totally unacceptable. I need this balance removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX/XXXX  's. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX/XXXX 's XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.

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 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
HSBC advertized the following : " Deposit a minimum qualifying balance of {$10000.00} or more in new money in cobined checking and savings acounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. You will automatically receive the {$350.00} Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities ; It's that simple. '' I opened the account XX/XX/XXXX, and made the XXXX deposit on XX/XX/XXXX. The balance stayed at XXXX or more for longer than 90 days ( specifically through XX/XX/XXXX- ie, 98 days ). It has been 8 weeks since then, and I still have not received the bonus. 

Additionally, when I spoke with XXXX ( a phone representative on Thursday ) she also said the bonus should have been in my account last week, and that should would look into it, and call me back on Friday. She did not call me back, and she still has not reached out to me or resolved the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX/WalMart. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX and XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX/WalMArt XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.

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