vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XX/XX/19 I went to HSBC branch located at XXXX XXXX XXXX  XXXX. My cash withdrawal was refused even when I presented 1 ) Employer ID, 2 ) Passport Card ID, 3 ) NY Drivers License 4 ) HSBC Debit Card. I was told to call a number. I called the number and the rep couldn't provide a reason why the transaction was declined. 

XX/XX/19 - I've tried on several occasions to cancel a recurring bank to bank transfer that was setup. The portal says there is not future transactions scheduled but yet the transfers keep getting setup. There is a process to edit a recurring transfer but the capability to cancel is not available. The portal is broken. My only recourse at this time is to close the checking account to stop the transaction. 

XX/XX/19 - I went to HSBC branch located at XXXX XXXX XXXX  XXXX. Their system was doing a system update from XXXX - XXXX while I waited online. The rep could not give me an ETA as to the remaining time required for the system update and reboot. Why is a system update going on when HSBC needs to service customers? Why is this not happening during off hours? Why isn't there a procedure in place to service withdrawals when the branch system is down? I had my balance available through my mobile app. I had id. Why couldn't I complete my withdrawal and closure of the account at the time I was there and have HSBC address the update later when the system was up? Their process and procedures have numerous servicing gaps!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have called a lot of times over the past five years trying to get my cards with Capital One to work. Stay on the phone for hours at a time without getting the problem fixed. It has something to do with my phone number I think. They say it is not mine but I know that I have had it a very long time, over five years, I know. It was a XXXX number from Walmart and then I swapped carriers and kept the number with Walmart Family Plan. Capital One took over my Walmart card in the last month and now I can't login online to pay it because of the same issue. They say there is a restriction on my account. I have asked them to take it off and nothing happens. They keep asking for my phone number so they can send me code on my phone but they could never get the account fixed. In the past I have had to send them copies of my drivers license and some other documents and I think that they asked me to send a copy of my SS card and I said no way that I am going to send that online and to an overseas location ( XXXX Maybe ). They said that they never got them or it was not what they asked for. 
I just want it fixed so that I can pay my bill online. At this point I am not sure if I can even use my Walmart card but I do know that they are sending me a Capital One card to replace it and when that happens, I will not be able to activate it because of the same issue. I have cards now from Capital one that I can't use because of this so called restriction. I am sending a letter to the CEO of the company today to the main office. 

Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: IN

Complaint narrative:
My idenity was used to get medical care from XXXX XXXX XXXX XXXX XXXX. I have never received medical care from this company. The account was sent to Americollect and it is seeking a payment in the amount of {$220.00}. I request that Americollect terminate this account and stop sending payment request for said account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SUNTRUST BANKS, INC.
State: MI

Complaint narrative:
The man named XXXX with LightStream Finance Company said, & texted me " congratulations you are approved for a {$5000.00} loan, & that the payment would be {$180.00} a month ''. He " XXXX '' said, because they have had so many problems with people keeping the loan money, & not making the payments " Stealing '' the funding money from the company. They developed a verification process I need to follow in order to get the {$5000.00} deposited to my account tonight. He said i needed to go to XXXX XXXX XXXX, & purchase 2 XXXX XXXX, or XXXX XXXX Gift Cards. He said buy 1 gift card for {$450.00}, & 1 for {$250.00}. So I did, & the  transaction was declined. He said " don't worry about it is ok, because the Bank probably put a limit on my withdrawal amounts. He said now drive to the bank, & by the time I get to the bank their accounting department will have everything straightened out. He said the accounting department put more money in my account, and they need me to get {$1500.00} in cash from the teller. Then go back to XXXX buy 3 {$500.00} a piece XXXX XXXX XXXX. He said then I am verified by their accouting department, & they can deposit my {$5000.00} loan funds in my account by 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 2019-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Regarding Capital One Case # XXXX I disputed charges from the merchant for the same exact reason I disputed the other charges from the same merchant from the very day before, and they treated that dispute completely different. They sent the dispute to the merchant and asked them to respond, as they were supposed to. That was not the case with this one. Not only did they not send my dispute to the merchant, but they sent me a letter asking me a bunch of questions that had absolutely nothing to do with my dispute!! Mainly asking for a cancellation date ... I never stated I cancelled any services!!! I told just that, and sent the letter back to them ... And, big shock -- They responded back stating that they requested a cancellation date from me and although they received my response, it lacked all of the requested information needed to validate my dispute ... Um, what?!? Are these people completely XXXX  as a rock, or do they just like playing XXXX in order to simply deny everyone 's disputes?? I'm really beginning to question this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Sent a letter that I was in default for 49 days late. I am not sure why. The company doesnt answer my question about it. The company forgot to put my real estate taxes into my escrow and after having the mortgage for 3 months realized it and increased mortgage. How can you forget to add that when the previous company had it in my escrow.? My statement says what is owed and what is posted in my app says it is paid. Not sure what is going on. This company doesnt like to answer your questions and you cant talk to anyone that knows anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I applied for a mortgage XX/XX/XXXX. At that time I was notified by XXXX XXXX XXXX, that there was a problem with my credit history. 
They stated that Synchrony Bank/XXXX XXXX  was reporting my account as I was deceased. 
XXXX XXXX closed my account by mail in XXXX, and my account at that time had a zero balance. I never used that closed account again. 
XX/XX/XXXX, I called Synchrony Bank/XXXX XXXX and asked why they were reporting that I was deceased. They could not answer me. And I asked where they received that information. They refused to tell me.

I now have just received a letter from Synchrony Bank/XXXX  XXXX with  inaccurate information. Which was never reported. They are now reporting as if I did not pay them. This is not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I have been having difficulty making payments because my mortgage modification has come to and end and has impacted me financially. I recieved a letter in the mail by Onemain Finacial by the district manager in XX/XX/2019 that they can lower my payments or the interest rate to make it easier on me financially and when I called to ask for help they said to me that I would have had to have lost my job even after I explained my hardship with my mortgage increasing. So I tried asking for a payment deferral and arrangement to have my payment taken on XX/XX/XXXX and deferr the payment for XXXX. They sent me something to sign electronically but it wouldnt work and I explained that to them it wasnt working when I went online. So I made the payment myself XX/XX/XXXX and then they took out an additional payment from an account of mine that I didnt authorize. They didnt verify the account or anything they just took a payment from another account which I changed a long time ago because it was an account I dont use. They have caused me further default now in income and to look bad at my job where I work. I have also asked they not contact my job and they continue to do so. This is beyond unethical and should be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have been behind 30 days just after my loan modification ended in XX/XX/XXXX and I have been trying to keep my payments up. But recently I recieved a letter from the loan servicing company who is SPS Servicing and now they are saying in a letter after they have reviewed my loan and interest payments etc that they are increasing my loan with interest from the amount of XXXX to XXXX a month. Now how can a mortgage servicing company change my interest or increase it due to an audit finding they supposedly found and are not giving me specific information from what they sent me in writing. It appears maybe they made an error but thats not my issue or my fault and they are not allowed to increase my loan due to their poor oversight of my loan and thats why they are a loan servicing company. I would like this fixed correctly. And all my statements show I still owe as if I did from they day I did this loan back in XX/XX/XXXX. I cant see how this loan isnt going down while its half way paid off?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
We had a lease with Hyundai XXXX which was paid in full as of XX/XX/2019. After the car was returned we received a bill for over {$600.00} which included not only a lease end fee of {$400.00} but also a ridiculous charge for a small scratch which we were told by XXXX XXXX XXXX XXXX Pa that there would be no charge due to faulty equipment and the size of the scratch. Hyundai also owed us {$50.00} for a promotional test drive which we took in XXXX but was never received. Hyundai just opened that promotion again. The {$400.00} lease end fee was never explained to us by the XXXX XXXX salesperson, and in fact we had prior leased XXXX in which there was no lease end fee or other problems. We did initial the contract small print while signing the many documents so legally we owed this money and paid it. We sent a letter with the amount billed stating that our check for {$350.00}. ( {$400.00}. minus the {$50.00} owed by XXXX ) was the correct amount due as per XXXX XXXX and if cashed would be paid in full. Next, Hyundai sent us a  bill for the difference of over {$300.00}. They failed to recognize our complaint about the scratch and after this a neck injury caused by the faulty equipment. 
The most important fact is we paid the erroneous balance to protect of near perfect credit rating. Hyundai failed to remove an amount due and it still appears on our credit rating and must be removed. We are seniors and worked our entire lives to have superb credit only to be damaged by an erroneous charge and claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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:
I have been a victim of Identity Theft through a data breach at XXXX XXXX. The accounts I have identified and notified Law Enforcement of on my credit report are truly fraudulent, I XXXX XXXX, do not relate to any of these transactions that were made or were applied for and resulted in hurting my credit score which I highly value. Despite prior disputes Transunion has not blocked, removed, updated or deleted this information pursuant to section FCRA sec 605B and 15 Code Section 1681, once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. These are the accountsIve identified as fraudulent to law enforcement : US Dept of Education : XXXX & XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX   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 explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I called them in XX/XX/XXXX and disputed the charge because it was paid. It was removed from my credit report now it's been added back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation  presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Hi, I have contacted Ditech twice about my adjustable rate mortgage. During XXXX, my interest rate increased due to rising interest rates. However, this year, interest rates tumbled, but my adjustable rate has not declined. I have phoned Ditech twice. The last time was yesterday. I spoke to an agent, who then transferred me to refinance. That is not what I wanted. I asked to speak to a supervisor, but they transferred me to the new company that bought Ditech 's business. They do not have a record of my account because it has not transferred yet. 

On the current Ditech website, it appears that my rate will stay the same, 5.25 % and be reset on XX/XX/XXXX for five more months. I feel helpless because Ditech is paralyzed and the new company will not lower my adjustable rate mortgage. In fact, it should have been lower this year, which means Ditech owes me interest money. I doubt I will see anything, since they have declared bankruptcy, but wanted documentation to show that I have tried to deal with this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: NY

Complaint narrative:
I had tried using chase credit card to purchase something from XXXX, but when I got the order the sunglasses what I ordered did not look brand new and was pretty evident it was used where as the description on the site said new! 
I called up XXXX and they said return the product and we will issue a refund.The sunglasses were returned back and now XXXX says they will issue me a store credit forcing me to buy something from them where as, I as a customer dont want to buy anything from XXXX as I feel their products are not as per the mark they advertise on the website. 
I disputed the charge with chase asking them to get the money back on my credit card and I dont need a store credit as the customer service rep from XXXX informed me the money would be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo sent me a loan cost approximation document and told me over the phone they offer certain rates. I then proceeded with the loan estimate and they ran my credit ( which is over 800 ) and they gave me an estimate nowhere near what they told me or near where another lender was after they told me they would at least match it. 
The representative also didnt disclose that there were buy down points involved and he deliberately omitted the line item which is supposed to show what youre paying for the rate reduction. He just put the rate with the closing costs so you have no idea what youre paying for exactly. Its confusing to say the least and Im a XXXX graduate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.

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