vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/18 Sold truck to an individual. Loan was with Bank of America. Called bank paid in full. Payment was held to verify funds. 
XX/XX/18 Informed that account was closed and pain in full. Was told we could hand truck over to new owner. 

Later received title to truck along with documentation stating loan was closed. 

Now bank has reopened account and requesting money.

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 2018-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
they kept calling me about the ambulance bill

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I need your help please!! I continue to receive harassing calls from a company called XXXX XXXX XXXX XXXX. They claim to be representing HSBC Credit Card Services and stated that they were hired to collect on a debt in the amount of {$2200.00}. They have called my family several times regarding this matter. They could not give me the account number or the date the account was opened. I called XXXX XXXX and spoke with a young lady named XXXX who informed me that they did not hire XXXX XXXX XXXX  or any company to represent them. In fact, they stated that my account was closed when they sold my account to XXXX XXXX XXXX. On XX/XX/XXXX I then contacted XXXX XXXX XXXX XXXX ( XXXX XXXX ) and she told me that my account was closed in XX/XX/XXXX when I filed bankruptcy. My bankruptcy was discharged by the state of Texas. XXXX XXXX XXXX advised me to file a police report due to the constant harassment and what they believe is fraud. I called XXXX XXXX XXXX again to let the rep XXXX XXXX know that neither XXXX or XXXX XXXX XXXX claims to have hired them. Well, XXXX proceeded to transfer me to her supervisor who started yelling at me saying " you owe this debt '' and became belligerent to the point where I had to hang up on him and block the number. These people have all of my personal information and continue to harass me daily. They call from different numbers and although I have blocked several of them ... they continue to call. I tried to reason with these people but they're not listening and will not stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I SPOKE TO A REPRESNATIVE NAMES ONLY XXXX AND TOLD HIM I HAD A SIGNIFICANT CHANGE IN CIRCUMSTANCE AND WANTED TO RETAIN MY HOME NOTHING ELSE, HE STATED HE WOULD KEEP IN CLOSE CONTACT WHICH HE NEVER DID AND REQUESTED NO UPDARTED FINANCILAS WHICH I THOUGHT PECULIAR BECAUSE WHAT HE MAY BE WORKING OFF OF WAS OUTDATED AND DID NOT PORTRAY THE ACCURATE PLETHURA.I RECEIVED A LETTER RECENTLY THAT REALLY GAVE NO TIME TO RESPOND BUT I HAD TO MAKE THE TIME.IT IS REALLY A FLAW TO NOT PROVIDE ADEQUATE TIME TO RESPOND, I AM A STATE WORKER RECENTLY RETIRED AND GOING THROUGH A DIVORCE, THER EIS NO OTHER PLACE TO GO, WORKING OVER 30 YEARS TOI BECOME HOMELESS.O WANT TO REMAIN IN MY HOME AND HAVE GARAUNEED INCOME.PEOPLE HAVE BEEN MODIFIED FOR LESS OF A HARDSHIP FROM WHAT I READ AND SEEMTHE LETTER FROM SLA WASNOT EVEN WHAT WE SPOKE ABOUT, I FEEL DUE DILIGENCE WAS NOT DONE ON MY CASE.HELP!!

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 2018-11-13 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient 's retaliatory actions in response to complaint number : XXXX will cause my wife and I unnecessary financial hardship and stress beginning XX/XX/XXXX. In the complaint, I alluded to what I felt was unethical practices with regards to how Navient was managing my student loans and stated their practices were consistent with the law suit filed against them on the behalf of CFPB in XXXX. It appeared there was little consistency in how the monthly payment monies were distributed between interest and principle. 

I called them on XX/XX/XXXX after getting their response via the CFPB website and asked for further explanation because I needed more clarification than what was explained in their response. They immediately went from explanation of my student loans distribution to pressuring me into a {$1300.00} monthly payment revision I couldn't afford. I declined and stated I could not afford a revision at this time. They continued to persist in me agreeing to 1 of 3 plans with {$1300.00} being the cheapest of the options. I requested they leave the {$450.00} monthly payments in place -- however unfavorable the current payment plan was until I start drawing my Social Security monies next year and at which time I would be better prepared financially the handle a bigger repayment. 

I was told they couldn't " change it back '' to the current payment agreement of {$450.00}, but I never changed the current agreement to begin with! I was merely asking for explanation of payment distribution. After arguing with them for 10 minutes and again explaining to them these were the same type of unethical practices the government sued them for, they terminated the phone call and sent me a new payment plan on XX/XX/XXXX totaling XXXX. 

The {$450.00} monthly payment constituting 1/6th of my monthly net income fit well within my budget. A {$940.00} increase results in a monthly payment of {$1300.00}, this is 1/3rd of my monthly income and will undoubtedly cause financial hardships. At XXXX years of age and facing employment uncertainties, I can ill afford to have this stress affecting my life. Where was the offer for an income-driven repayment plan, why wasn't there a mutually-agreed upon and documented repayment plan? Why not just leave everything in it's current state until I can make better accommodations next year? 

It should be noted that I never sought to revise the payment plan at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/2018 I received a letter and XXXX   credit card from Capital One, A CARD THAT I DID NOT REQUEST. It should be noted that the credit card had an absurdly high APR of 24.24 % and a {$95.00} annual fee. I immediately called and attempted to cancel the credit card, but the customer representative demanded a lot of personal information to cancel the card, such as date of birth, Social Security Number, home address and phone number. I refused to provide this information for a card that I did not request and the customer representative refused to cancel the card. I was then transferred to a Fraud Prevention specialist who refused to tell me why the card was sent to me or how or why the card was ordered. After a heated discussion I was told I had " no choice '' but to provide my personal information, which I did, since I had no other choice. I vehemently object to providing my personal information to a company, just to get them to cancel a credit card that I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I was part of an affiliate marketing business ( XXXX = XXXX XXXX XXXX XXXX ), that got shut down by the FTC. I charged the amount of about {$100000.00} with several credit cards, which almost all resolved the dispute by refunding my money. I charged XXXX with Chase Credit Card. Chase said I did not file in time. The charge happened in XXXX XXXX The shut down happened in XX/XX/XXXX I purchased XXXX to different locations which did not happen because of the shut down. Before the shutdown I submitted my card to a debt relief group " XXXX XXXX   '' ( XXXX ), I told XXXX that my business does not exist anymore due to the US government and XXXX  said they will file a dispute. I made sure that this happened and XXXX said they did file the dispute. Recently I got my credit back thinking that the dispute was resolved, but the other day I got a call from Chase and they are now denying my dispute. They are saying I filed the dispute too late! I would like help from you to get the money back, since I can not attend any XXXX, no more websites, no response through emails, ... My online account does not exist anymore, Chase canceled it and I can't even see my statements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: PNC Bank N.A.
State: VA

Complaint narrative:
Just check XXXX XXXX and notice there is a breach on my Credit report concerning XXXX XXXX! I don't have an account with PNB bank in XXXX! This is a fraud account and there was Identity theft in XXXX due to my social security number being compromised for many years! I have fraud alerts on my accounts but somehow this error slipped thru the cracks! I want all the credit companies to be aware which they should have been and remove any negative activity because this is affecting my score! Sincerely, XXXX XXXX XXXX! ****Please remove this name called XXXX XXXX XXXX XXXX my files, this name is being used for Identity theft purposes and is fraudulent. Keep the credit companies and consumer reports aware as well! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a letter from a collection agency from XXXX XXXX about collecting a debt from XXXX XXXX. The company wants to collect XXXX dollars from my ex-husband who died in XX/XX/2018. My daughter previously contacted XXXX XXXX and told them that my ex-wife husband is deceased. He did not leave a will not anyone is responsible for his estate. He did not have a power of attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive had XXXX XXXX account for quite some time and always made on time payments. Com to find out last payment was made a few days ago and account closed right after and my credit score dropped about 50 something points. I don't understand because i clearly was building credit history for then this to happen. It clearly doesn't make any sense. Ive been making on time payments ever since.l and to just lose points after finishing paying the account is just not fair.

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 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
I wrote a letter to the collection agency agreeing to settle the debt if in return they remove the account from my credit report. They sent me a letter back stating that once the check/funds cleared they would remove it from my credit report. The Funds cleared on XX/XX/18. In my letter I requested that it be removed from my credit report within 10-15 days. This account is still showing on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NV

Complaint narrative:
This was a medical bill from XX/XX/2015 from XXXX XXXX. I contacted them to find out what the debt was and they verified it was my debt. They refered me to the collection agency RMCB XXXX which just in the last week hit my XXXX and XXXX   credit reports as collection. 
I contacted RMCB the bill was {$290.00} and I made a discounted agreement of {$170.00} and paid the bill which shows settled in full with a Current Balance : {$0.00} The problem is they will not post this collection result with the credit agencies for 45 days. 
I am requesting a more timely response from them to the Credit Agencies. 
Can you please help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/2018, I applied for the XXXX XXXX Credit Card through Chase Bank. I receive emailed daily offering miles as a perk. You receive instant credit and then you can book your travel immediately to start spending the minimum {$2000.00} to receive the bonus miles. 

I called the Customer Service number to make sure I was doing it correctly. I applied and was approved for a XXXX limit immediately. 

I was then instructed to click the link that goes directly to the XXXX website to book my travel. 

Once I clicked the link, my account profile looked different ( good sign ) and it also gave me the option to use membership miles ( never seen that before ) so I assumed something obviously took. 

After I selected the tickets, I was unable to pay with the new card ( so I can get all the bonus miles ) I called back and was told that the site must have " disconnected '' and they do not have access to my new card number and I will have to wait 7-10 business days. 

This does me no good as I will lose the bonus miles, and most likely lose the tickets I want. And if they are available, they will so much more as the tickets are for christmas travel. 
I called Chase, they said " we are the bank, they are a 3rd party, you should just cancel the card. '' I called XXXX and they said " we can not help you and we can not hold the reservation or allow you to change payment. '' So I ran my credit for nothing. I wasted 3 hours of my time on the phone. 
Neither company gave their Customer Service the tools to fix the issue as it is clear there is no intention of doing so.

This is bait and switch.

Moreover, I have activity logs that show no disruption in internet service. I run a global marketing company and my internet is my livelihood. Best believe I know when there is a disruption in service.

I filed a complaint. The representative from Chase made no effort to speak with me at normal hours. When I attempted to return her call, I was always sent direct to voicemail. I left over a dozen voicemails asking when I could call HER as I wanted to be sure to make contact. No response was given. 

I have not been given baggage fee credits or priority boarding. I purchased XXXX in tickets in one day that I planned to put on my XXXX Card. 
Every call to customer service to Chase or XXXX is met with either confusion or refusal to rectify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Opened checking account in late XXXX, 2018. Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days.

I completed the requirements. Citi has not paid the bonus. Contact them numerous times.

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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/2018 I signed on to Experian to get my annual credit report. They billed me {$8.00} for my credit score. What I didn't realize at the time is that they also sneakily signed me up for credit monitoring at a whopping {$24.00} per month. I did not need this since I have already been forced to subscribe to XXXX due to the Experian breach last year. I immediately contacted Experian when I discovered this but they refused to fully refund the charges to my credit card. This is theft! This is fraud! Please don't let these credit reporting agencies take advantage of us consumers. This is the second time Experian has done this to me.

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 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
After I obtained my Mortgage with Caliber Home Loans I filled out an application to withdraw my payment on a certain day of the month. My first application I filled out was for the XXXX of the month because that's when I got paid. It was approved, however, they started to automatically withdraw a couple of days before the XXXX of each month. In XX/XX/2018 I contacted my loan processor XXXX to which she suggested that since my check didn't come in to my bank until the XXXX, to redo the application to reflect the XXXX of each month. The Mortgage company approved the payment deduction to reflect a XXXX date of the XXXX of each month. In XX/XX/XXXX I contacted my loan processor again and at that time, she contacted Caliber to which they replied that there was nothing wrong on their end and suggested that I contact my financial institution. I called my bank and the CFO to ask the procedure to which she replied that they do NOT take out payments early, they take them out when the debit it submitted. Since XX/XX/XXXX, Caliber has taken my payment early and I cant seem to get a response to find out why, although they did call me to talk about refi programs. I do not understand if you give someone the option to make a payment on a certain date then take it out as you please then why offer it in the first place. When it comes time to refi, I may have to question whether or not I will go with a company that wont stand by what they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Called multiple time attempting to cancel but company only allows you to speak with automotive messages. After inputting personal information regarding my account it stated I didnt have a member ship with them. The company does not allow you to speak with a person to clear issue up.

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 2018-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Dear Consumer Finance Leadership, Since XX/XX/XXXX I have been requesting SCRA ( Servicemembers Civil Relief Act ) benefits from WELLS FARGO Bank only to be continuously denied eligibility to such request based on their current policy. As an XXXX XXXX XXXX XXXX since XXXX I believe I am indeed eligible to receive such benefits ( 0 % to 4 % apr, overdraft fees waived, etc ) and other financial institutions have indeed granted me such benefits disregarding the timeline of when these accounts were opened ( before or after military enlistment ). Such institutions include XXXX Bank, XXXX and XXXX XXXX. My accounts with WELLS FARGO pre-date my enlistment into the XXXX XXXX. WELLS FARGO acquired XXXX from XXXX XXXX XXXX  which bought XXXX XXXX XXXX. I have written several letters and sent all documentation required and can not understand why WELLS FARGO insists that I am not eligible to a lower APR. Even under the current MLA ( Military Lending Act ) I should be eligible to obtain a lower percentage rate. Anything you could do to help would be a tremedous benefit to my current financial situation. Thank you.

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