vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
for the past 2 years I constantly received phone calls from a company XXXX XXXX XXXX XXXX claiming I owe Toyota {$31000.00}. 

I actually was/did have a dispute with Toyota about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with toyota, as it was a result of a accident and my insurance didn't pay the full about. 


FACTS! 

1 ) Toyota told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 

2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. 


however, this so called licensed debt collector called and harassed me that I owe toyota {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with Toyota. 


Yesterday I though I'm going to have a heart attach, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm XXXX XXXX XXXX XXXX which was the plaintiff for Toyota. 


How can such a thing happen, and how can they get away with this!!

# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? 
# 3 if there's a Jugdement why wasn't I served?

# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be  {$75000.00} WE MUST STOP THIS CORRUPTION!! 

now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I initiated 2 ACH outgoing transfers for {$50000.00} each. 
Meaning {$50000.00} twice + {$100000.00} would go out from my account on XX/XX/XXXX into another institution! 
I also called a rep to make 100 % sure I did everything right, and was told all is good and it'll leave same day since it was initiated before XXXX Im summary, after the {$100000.00} leaves my account I would only have a few hundred dollars left. However at night a fraudulent judgement ( I never got served, and I have proof I paid for the debt ) took out {$75000.00} from my account causing me to XXXX  and take XXXX  steps which were prevented by a family member. 

I called HSBC informing them it's fraud. But there's no one to talk to which is common in the banking industry! 


What HSBC failed to understand is when a judgement is entered into your account, they can only take the amount that's in the account, even the judgment is for more that doesn't mean the account can now go negative just to satisfy the judgement. 

In my case HSBC first canceled one of my {$50000.00} outgoing ACH on the assumption it's a mistake, although never called me to ask. Then the {$50000.00} ACH did out out, but only one time {$50000.00} ( and HSBC is fully liable for canceling the 2nd ACH ) and after the {$50000.00} ACH went out from my account this fraudulent default judgement for {$75000.00} went out from my account and HSBC honored it which as a result caused my account to become NEGITIVE. And as a result of my account being negative HSBC suspended my account, my line of credit and my credit card ( which will have a bad impact on my credit ). Then I called HSBC they said the ned to verify my identity and requested identification I TOLD THEM THAT I ALREADY SEND IN ALL THOSES THINGS WHEN I OPNED THE ACCOUNT, AND THEY SAID THEY DON'T HAVE IT so it's good to have on record that HSBC violated the patriot act, and only LATER requesting documents to comply with KYC. 

And as I write this, I have this fraudulent {$75000.00} out of my account, my account is restricted, line of credit restricted, credit card doesn't work, and I have no idea what's going on, the representatives don't even want to tell me my balance, their accusing me of fraud instead of protecting me in such a situation.

AND WORSE OFF ALL, IF HSBC WOULD HONOR MY TWO ACH REQUEST I WOULD OF NEVER LOOSE THIS {$75000.00} ( I might anyways not loose it, as I'm taking an attorney to fight this fradulent t judgement, but unril then I'm out {$75000.00} and this would of  never happened of they honored their duty to fulfill my ACH transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I soon started to monitor my score and this account came to my attention. I have not used any of this medical services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MA

Complaint narrative:
I was on an Income Based Repayment plan in XX/XX/XXXX with AES. In XX/XX/XXXX I had to submit new paperwork for a XXXX Income based repayment plan which was submitted on XX/XX/XXXX. On XX/XX/XXXX I lost my job. I called AES and the person I spoke to said I could file an  emergency application due to unemployment. That request was approved and my monthly payment was set at {$0.00}. I logged on to my AES account today and it showed that I am 25 days past due on {$150.00} + {$9.00} on a late fee. I called to ask how I could possibly be late on a payment since I was unemployed since XX/XX/XXXX, and was approved for an emergency recalculation of income based repayment that was set at {$0.00}. They said that because the original application that was submitted on XX/XX/XXXX was approved before the emergency application, I owe for XX/XX/XXXX 's  payment. That is ridiculous. 

2 separate AES representatives refused to correct their errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: DC

Complaint narrative:
My Discover credit card has posted transfer balance from my previously disputed cared stolen transactions amounting XXXX a credit card service representative explained the posting has been forwarded from previously account and mentioned I will get the credit back. 
After 2 weeks my account has not been credited. Today after calling the bank another representative informed me that I am responsible for the fraud transactions because the lost stolen card fraud transactions were made in the similar store and the same amount that it is unlikely those transactions are fraud. 
I have repetdly informed the representative that I disagree with their decision and this is violating my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I activated my XXXX phones on XX/XX/XXXX with XXXX XXXX and was promised all kinds of discounts that I never received from XXXX. I was told if I bundle my phones with XXXX XXXX and my existing home phone with wi fi my bill will be the same as I was already paying. That never happened my bill almost tripled what I was paying from the beginning I should have stayed with XXXX XXXX. Since then I had to continuously call for XXXX to correct my bill from being over charged for a watch that was returned and not crediting my account appropriately for the bundle with phones XXXX XXXX and home phone with wi fi. I still never received my XXXX dollar credit that I was supposed to get for a phone that was going to be spread out over two bills beginning in XX/XX/XXXX One of my XXXX XXXX boxes wasn't working for months had to call and get a new box no credit for that. From going to the store and calling on the phone was overwhelming. So now XXXX  has sent my account to collections for a total of XXXX. What happened to my XXXX credit that never happened. This is a dispute I do not owe 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 2018-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Thereto the law of the FDCPA XXXX XXXX and his letter alleges to be a customer advocate for SPS on behalf of XXXXXXXX XXXX XXXX the alleged original lender. The alleged original lender has never attempted to collect an alleged debt nor has said company that being XXXXXXXX XXXX XXXXXXXX has ever contacted the customers herein this matter. Therefore XXXX XXXX and SPS along with XXXX XXXX XXXX XXXX XXXX [ XXXX ] and others not limited thereto employees of all said companies former and present are being forewarned that the mentioning of a debt without verification and validation is a Fair Debt Collection Practice Act issue and shall be addressed herein. XXXX XXXX on behalf of all mentioned companies have lied, he nor any company has ever attempted to validate nor verify this alleged fraud debt. There is no contract between XXXXXXXX XXXX XXXXXXXX now doing business as XXXXXXXX XXXX XXXXXXXX and said company has never attempted to contact the customer. As such this notice of Default and dishonor has been forwarded herein thereto all in this matter and collections has taken place with interest and such shall be filed in Federal Court within the USA.

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 2018-05-31 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:
Equifax is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and XXXX. I would like a full investigation into this accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: TX

Complaint narrative:
In XX/XX/XXXX, I notified the 3 credit bureaus of fraudulent activities on my credit report and have been ignored. I've complied with what they asked of me. I consulted an Attorney that advised me, if I find a discrepancy and the credit bureaus willfully ignores your request to delete the error, you can recover the greater of your damages or {$2500.00}. My next step in filing for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Have had this credit card for over 1 year, made all payments on time and usually above minimum due. Recently made XXXX dollar payment well above what was due just to catch up on balance. At this point had 600 plus dollars available credit on this account. Went to use card and was denied at gas station. Called TJ MAXX CREDIT CARD and was told that over night they decreased my credit limit and had no reason that they could come up with as to why this happened. Was completely blind sided by company I thought I was in good standing with.

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 2018-05-31 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: Synovus Bank
State: TN

Complaint narrative:
I opened a secured credit card account with XXXX XXXX XXXX in the amount of {$300.00}. The company closed the account saying that I owed a payment of {$99.00} but never said what it was for. They have been reporting to the credit bureaus as an open account and charge-off with delinquent payments. Again this was a secured credit card. The amount of credit that I had with them was based solely upon how much money I wanted to give them to put into the account. The company should have taken the {$99.00} ( assuming that it was a legitimate charge ) out of my security deposit, and then issued me a refund for the remaining funds. In this case, I don't think the charges are accurate, I don't think they have a right to keep my deposit, and I don't think they have the right to continue to report this to the credit bureaus. This account was opened in XX/XX/XXXX. I  made 1 purchase with it for {$50.00} and paid the full amount before the bill was due. I received no bills from the company other than the initial one. The next correspondence I received from them was a bill showing that I owed {$99.00}. I called the company and asked what I was being charged for. That's when I was informed that my account was closed, and I was not given any explanation for the charge or why the account was closed. They also didn't start reporting until XX/XX/XXXX and have been reporting inaccurately since then. 

This company basically took {$300.00} of my hard earned money under the pretense of building my credit up, then closed it at their convenience, and kept my money on top of it. And as an added bonus, instead of them helping to build my credit, they have been helping to destroy it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: AmeriCollect
State: MI

Complaint narrative:
XXXX is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and americollect. I would like a full investigation into this accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased 2 items on XXXX I returned the items and can not get a refund I have the tracking # s and confirmation # s from XXXX Here is what XXXX sent me. I am dealing with XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX I will scan the tracking # and include this in the complaint. I spoke with XXXX agent # XXXX Refunds : ( From XXXX XXXX XXXX -- Refund ID : XXXX : crow : XXXX = {$11.00} XXXX -- Refund ID : XXXX : crow : XXXX = {$10.00} i hope this information helps. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, XXXX 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 monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They are blocking me from accessing my account through a third party service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I paid off my vehicle loan as of XX/XX/XXXX. I received a letter the beginning of XX/XX/XXXX stating I could possibly have a GAP refund due. I contacted Ally it find out the details beginning of XX/XX/XXXX, at that time the representative did inform me there was a refund due however they were unable to provide me with the details on the amount but I should be receiving the refund within 45 days from payoff. After not receiving any refund via mail I contact Ally on XX/XX/XXXX, upon speaking with a representative she informed me the refund was mailed out XX/XX/XXXX & if for any reason I have not received payment within 2 week to give them a call back. As of XX/XX/XXXX I still had not received my refund due, I called Ally to inform them & was told I need to wait until the following Monday to request the check to be reissued. On Monday XX/XX/XXXX I contact Ally to request the refund check to be reissued, the representative advise me at that time that it would take a 2-3 days for my request to process & the check to be mailed out. At that time I request additional information on the prior check to be sent via mail or email to me for documentation. I have several issues prior with mis information so I documentation. As of today XX/XX/XXXX I have yet to receive any detail on the prior check mailed out & have yet to receive my refund. I reach out to Ally who informed me that my refund has not been reissued but couldnt provide me a reason as to why.

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 2018-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I notified the 3 credit bureaus of fraudulent activities on my credit report and have been ignored. I've complied with what they asked of me. I consulted an Attorney that advised me, if I find a discrepancy and the credit bureaus willfully ignores your request to delete the error, you can recover the greater of your damages or {$2500.00}. My next step in filing for damages.

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 2018-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I notified the 3 credit bureaus of fraudulent activities on my credit report and have been ignored. I've complied with what they asked of me. I consulted an Attorney that advised me, if I find a discrepancy and the credit bureaus willfully ignores your request to delete the error, you can recover the greater of your damages or {$2500.00}. My next step in filing for damages.

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 2018-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
ISSUE : Beware of automated payments from Bank of America 's phone system. I input my checking routing and checking account numbers from the bottom of my check. The system somehow tried to use the routing number and the debit card number rather than the checking number to access my {$200.00} payment. The account was closed without my knowing it. I called when I realized the payment hadn't cleared the bank and made a {$200.00} payment with my debit card over the phone with a live Bank of America agent. She took the payment and it cleared my bank. I was also notified that the account had been closed. I feel that the bank should have called to clarify the problem before closing the card. Especially since the payment didn't clear I feel due to a glitch in their automated payment. 

I feel that they penalized me for the error in the phone system. They said that I input the routing number and debit card number. I don't know how I could have done that when I held the check in my hand and used the numbers from the bottom of the check. So the automated payment system tried three times with the incorrect information. Each time the payment money was in my bank. I am trying to get out of credit card debt and not use the cards, so in a way, since this card is now closed, I am motivated to pay it off, another {$370.00} and be done with it and never do business with Bank of America again.

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 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was going through my credit file and I was surprised to find that there are several past late payments on my credit report from my capital one accounts. I've also attempted to resolved with them several them and I yet to get a response from them or even get it updated from 3 major credit bureaus. Also all 3 major credit bureaus are reporting different information about the same account from my Capital ONE. 

LATE PAYMENTS THAT NEEDS ATTENTION : CAPITALONE : Account # XXXX XX/XX/XXXX to XX/XX/XXXX Also CAPITALONE : Account # XXXX XX/XX/XXXX-XX/XX/XXXX I understand mistakes happen, but I received a copy of my credit report and found the following items to be in error. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation