vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have been disputing for over a year with GM Financial about an account that they have as charged off whenever the vehicle loan was paid off by insurance in XX/XX/2015 for a wreck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: FL

Complaint narrative:
Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   also credit cards inquiries from XXXX XXXX, XXXX  XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft

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 2018-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
Im submitting this on behalf of my claim of financial deceptive of myself and my XXXXyo elderly mom. My mom, Mrs XXXX, XXXX Illinois took $ XXXX loan 2 years ago at OneMainFinancial, XXXX XXXX, XXXX, IL It was rewrotten twice, {$1500.00} and {$2500.00} for a total of $ XXXX to pay property taxes and a few home repairs. She understood these amounts would be added on she is on SSN, $ XXXX month fixed income. What appears to have happened is each time the loan was rewritten interest was added as principal thus paying 24.99 % interest on interest x3. I understand her wanting to maintain her independence but now with the payments so high she cant afford to live in the very house she told loans out to pay taxes on. Shes kept tract and paid back almost {$6.00} with a bill that says remaining balance {$12000.00} AND interest continues to accumulate. She did not understand adding on included unpaid high interest, she would not have agreed to that had she understood what the total payback payments would be. How is this not unfair deceptive unethical elder abuse/extortion? She is the involved party but I am filing the complaint that she was taken advantage of and a victim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: FL

Complaint narrative:
In XXXX of 2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Early in 2018 I noticed my FICO credit score decreasing from a level which had been above 800. Upon gathering further details via credit reports it was noticed that Professional Finance Company had an account in for collections of {$750.00} with my name. Per the XXXX credit report the item was opened XX/XX/2018 from an original creditor listed as XXXX  XXXX. This was first reported on XXXX XX/XX/2018 which I disputed on line at XXXX in XX/XX/2018. Upon calling Professional Finance Co to clarify they did not confirm or provide information about the amount in collections. I have no record of a bill from whomever submitted the account. Also no mail or other records from Professional Finance. I submitted a certified letter to Professional Finance Co of XXXX CO in XXXX via US post office requesting detailed information. A signed receipt of the certified mail was received however again no information received from Professional Finance. I have also submitted via mail in XX/XX/2018 to XXXX disputing the information upon which they have not been able to supply any further data other than to confirm the debt is assigned to myself. I have over 30 years of strong credit records with never a collection issue. Now I have a negative note on my credit report ; however no one has provided me with any record of this credit item and where or how it originated. This is impacting my finances as I have taken out other loans this year which have been at less than preferred rated due to this unknown and unverified credit date by Professional Finance. I would like this removed from my credit and my credit score restored.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
My mortgage company changed servicers effective XX/XX/XXXX. I have been making payments thru my bank for the entire year of XXXX. My bank automatically sends payment on the date I indicate and for the amount of my monthly payment. I have not had any problems the entire year and HSBC has been crediting my payments as normal. My bank made my XXXX payment as normal but towards the end of XXXX ( approximately XX/XX/XXXX ) HSBC called me to ask where the payment was. I immediately checked with my bank and discovered that the payment was mailed over two weeks earlier ( as usual ). I obtained a tracking number from my bank and provided it to HSBC. Apparently, HSBC " misplaced '' my payment for two weeks and they were able to quickly find it once I provided the tracking number. 

I thought this matter was resolved and received a letter in the mail from HSBC stating that the payment was applied to my loan on XX/XX/XXXX. I should have known that HSBC did not do the right thing at this point because the payment was " applied '' on XX/XX/XXXX, instead of being applied on the date it was received ( not the date it was found after HSBC lost it ). To add insult to injury, not only did HSBC apply the funds late, and thereby charge me additional interest, they are attempting to charge me a late fee and a {$850.00} " Property Inspection Fee ''. 

HSBC has been the worst mortgage servicer to work with ever and we've had so many problems with them over the years. Instead of getting into the past problems, we are asking you to please address the issue at hand. I believe they have treated me unfairly and perhaps violated other laws as well. For one thing, they lost my payment, that was made exactly the same as the ten prior payments ( mailed from my bank automatically every month ), then when they find my payment they did not back date the payment to the received date but instead date it when they " found '' it. Then they not only added a {$28.00} late fee but some insane {$850.00} Property Inspection Fee. The payment problem was clearly caused by HSBC, who very likely had the payment for at least 7-10 days prior to applying the payment - in order for them to profit by a late fee and some other, incomprehensible {$850.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
On XXXX XXXX there were fraudulent charges made towards my debit card which my account is held by USAA. On XXXX XX/XX/2018 I attempted to log into my account to find that my account had been restricted due to possible fraud action. After speaking with a representative, they reversed the XXXX charges that were made on my card in California and Alabama ( I currently work in XXXX ) were reimbursed. I followed all instructions regarding canceling my debit, changing all personal information to include my passwords within the website. On XXXX XXXX my USAA credit card was then compromised, USAA assisted in facilitating the fraudster with accessing all my personal information regarding my account. This person was then allowed to access my account and change all my passwords, emails, phone numbers and so on. The person that got into my account was also then released the information to my external accounts allowing them the access to the basic information to my external account. They proceeded to transfer and over drawl my external account of {$5000.00}, since it was a safe account there were no red flags for this movement of money that wasnt event available. The person conducting this fraud mischief they paid my credit card then started making large purchases, now these purchases were being made when I was on the phone with representatives that told me that they seen the charges happening and were going to stop them, yet they were still processed. I had to take emergency leave to come home and try to rectify this situation and here I am on XXXX XX/XX/2018 with an account that is in the negative and due to the negligence and lack of work ethic I am unable to pay my bills or even purchase groceries for my family. I request that someone please follows up with my wife or I to provide further detail as we need assistance in getting this rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Syncrony bank closed my belks account after I made a complaint to consumer Financial Protection Bureau. The day I made the complaint I received an email from synchrony bank to get in touch with them to work something out when Icalled the president of customer relations she said there is nothing we can do for you and they closed my account.

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 2018-12-26 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: FL

Complaint narrative:
Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also credit cards inquiries from XXXX card, XXXX  XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft

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 2018-12-26 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:
Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX also credit cards inquiries from XXXX  card, XXXX XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
i have opened a simple XXXX  an paypal business account on XX/XX/XXXX selling used electronic items tangible goods i have had the account for 30 days all items have been shipped with proper tracking all guidelines followed now with out warning on the date of XX/XX/XXXX my paypal account was closed for a non specific reason/vague i have XXXX dollars in this account from from items i sold around my house to help my family they have ruined my XXXX reselling /feedback system excepting sales from my XXXX  without refunding customers properly as this was done without warning while items still sold from XXXX  they keep money an refuse any recourse to me or my customers destroying my XXXX online resell business entirely i am XXXX years old my money is held for 180 days in there account used for there financial services/ie trading on the open market in benefit of paypal inc illegally under texas law ruining my finances an putting me into undue financial hardship i am unable to unlink any financial information/ they offer no recourse there is no recourse for my hardship/ repeated contact results in hang ups/rude representatives vague and unclear policy in utter frustration i have contacted the company an they have refuse any compromise or even to answer questions regarding a solution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 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: LEXISNEXIS
State: MN

Complaint narrative:
I have contacted Lexis Nexis several times in reference to a reported bankruptcy. I filed a complaint with CFPB and after Lexis Nexis replied it was closed. THe reply from Lexis Nexis was in the WRONG PERSONS NAME! How can something be verified if Lexis Nexis doesn't even have my name correct?! This bankruptcy needs to be removed from my report! The source of verification is XXXX which is a inaccurate and undependable source! I am intitled to a name, address and phone number of the PERSON verifiying. Bankrupty courts do not verify bankruptcies, so the ONLY acceptable outcome is for this inaccurate, unverified,  bankruptcy to be removed. This reporting is in violation of my Fair Credit Reporting Act rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: MS

Complaint narrative:
Monterey Collection is trying to collect on a debt that is not owed XXXX  XXXX started to do work on home never came back and company was out of business on contract it is clearly stated that the work was not completed XXXX XXXX was contacted by the XXXX XXXX XXXX of Florida and has never responded Monterey is trying to collect on work that is unfinished and the consumer has been harassed for the debt that is not owed. Monterey refuses to delete a fraudulent account and continues to update the credit report of the consumer after repeated emails and calls as well as faxes and certified mail by the consumer Monterey Financial Services is engaging in fraudulent collection activity against the consumer and is fully aware that this is a fraudulent account and deceptive to the consumer for work that was never completed and the company is out of business giving bogus numbers to call and no one is ever answering calls to fix or complete the work the consumer has been deceived financially for an account that has been placed in collections for the company according to the better business bureau and the united states postal service to be certified as closed Monterey continues to pursue a fraudulent collection activity and is fully aware of FRAUD no consumer will pay for work that has never been finished to a company that is closed and does not maintain their product this is FRAUD. Company as of today 's date has never came back to complete the work as stated on the contract product is not as of today 's date fully functional as advertised. Company refuses to uphold their promises to the consumer therefore FRAUD is evident. XXXX XXXX was deceptive to the consumer is closed and went out of business and is wanting to collect on uncompleted work unfinished and is no where to be found. XXXX   as of today 's date has never came back to finished the work Monterey continues to pursue collection on a FRAUD account to the consumer and is fully aware that FRAUD has been committed to the consumer due to deceptive increase in amount consumer has never agreed to the amount nor has the work ever been completed as shown on the paperwork the consumer continue to advise is EVIDENT FRAUD both parties are engaging in FRAUD to the consumer XXXX XXXX and Monterey Financial Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: OH

Complaint narrative:
Dear Credit Bureau, Regarding the following accout ( s ) : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX I do not recognize ever doing any business with the above companies. There could be a problem with the dissemination of up to date information. Please send me the proper materials on file that has more in-depth documentation for my review. If you can not meet a simple lawful requirement during the 30 days window then the above mentioned accounts should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/16, I received a notification from my bank ( Bank of america ) That there was deposit of 2 large checks amount XXXX and XXXX totaling XXXX made in my account in XXXX XXXX, IL. I informed Bank Of America representative over the phone that it was not me whom made a ATM deposit for those checks and i have no knowledge of whom deposited the checks into my account. I also informed the representative that i live in and on the date of incident was in XXXX, FL. My account was prematurely shut down and i have had the gruesome event of trying to prove to Bank Of America,  N.A that my information was stolen. I was not giving the opportunity to have an investigation done on this matter and upon the shutting down my account which no money was recovered from this incident, My personal information has been flagged throughout banking screening systems such as XXXX  and XXXX XXXX. I am unable to access any information or obtain another account with any financial institute due to this incident. Bank of America have not been helpful or forthcoming in light of this incident and instead of helping they have basically blamed me for my information being stolen and used maliciously. I have spoke to there fraud department and several branch advisor who continuously told me that there is nothing they can do. I have also had a In branch rep tell me they can not find my history with bank of america and insinuated that i may have been at the wrong bank, until i retrieved all of my statement from my vehicle and brought then to the teller. I have filed a police report in this matter and now I am getting a response back from XXXX XXXX after 2 years of trying to clear my name. Because of bank of america, at this time i am unable to get a bank account at any other financial institute for Incorrectly flagging my name. I would like better ways of screening person information before flagging a person for something they did not do.

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 2018-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: TN

Complaint narrative:
Yes I borrowed {$600.00} and had to make 12 payments of XXXX every other week on my payday which they automatic took from my checking account. I made the last payment of XX/XX/XXXX. I missed 1 payment in XXXX because I was out sick and did not draw a full check so the payment was returned but the payments resumed after that one missed payment. I called on XX/XX/XXXX to try and pay the final balance and they told me I owe them over XXXX dollars. I asked them how and I only had 1 payment left plus the missed payment. They told me they are charging me over XXXX a day on the missed payment. The final payment came out on XX/XX/XXXX now the are saying I owe them over XXXX because of 1 missed payment. I have already given them XXXX. I think it is a shame they are trying to collect almost XXXX for 1 missed payment of XXXX. I will like to report this to someone and make people aware of what they do to people.

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 2018-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi Bank promotion reward not paid out as all requirements were met. Deposit {$15000.00} for 60 days, receive promo reward 90 days thereafter. I deposited the full amount in XXXX and was due the {$400.00} on XXXX XXXX. That amount has not been paid 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 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: UT

Complaint narrative:
I writing this letter because I think there should be a better option to modify my loan. I have paid my house for the last 23 years and I have 7 years left in my mortgage and this is the first time I ask for help because I was forced to retire and I am looking for a job that allows me to continue in a better situation. It is not fair that for this reason I see myself at risk of losing my home. The interest they are giving me is 8.5 % and they are beginning to 40 years. If they gave me the interest that is in the market 4.5 % my payment would go down and I could have a better quality of life. They offer me a 40 years mortgage with an 8.5 % interest rate, I am behind 2 payments. They offer me this option that is not good and they are taking advantage of this because it is the only option that they leave me. If they reduce the interest rate they can make my payment affordable and be able to stay at my house and no became homeless. 
I want to keep my house with affordable payment.

Company response to consumer: Closed with explanation