vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyundai Finc opened XX/XX/XXXX - was included in bankruptcy while in bankruptcy the total amount was suppose to be lowered to blue book valued price and payments were sent during the bankruptcy. The vehicle while in bankruptcy was wrongfully repoed and sold. The ending balance was recovered in the sale but finance company is still reporting the incorrect amount and caused the bankruptcy to be dismissed after not reporting the correct amount. The balance reporting is still incorrect and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I received a letter from Barclays Bank in XXXX DE regarding an application that was placed in my name for a XXXX XXXX Credit card. I DID NOT apply for this credit card. The application number is 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 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Previous complaint number ID - XXXX In reference to this complaint after 3 1/2 months Chase returned my money. 

However no interest was added. They are lending money at 7 %. I called them asking about the interest they owe me for withholding the funds and they claim it is not " protocol '' to give interest funds. This money was illegally withheld and as of today they never gave me a reason other than fraud, which it was not the case. 

I am aware they used my money for 3 1/2 months, lent it, collected 7 % interest and kept it to themselves. I want my share of that interest even if it is {$1.00}. 
At this point it is a matter of principle. 

I am in awe of what the government allow these banks to do to the citizens especially us, the middle class. They are stealing from us and they get away with it. 

Please advise if there is any recourse to my complaint. 

Thank you for your attention. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
For the last month or so I get repeated calls from various numbers looking for someone else. I have told them repeatedly I am not the person for whom they're looking, recently resorting to not very polite language. How can I get them to cease and desist. The company is American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A new hard inquiry was made on my XXXX account for a Chase card on XX/XX/2018. I did not authorize this. Additionally, the cell phone number provided with the hard inquiry is wrong. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A new hard inquiry was made on my Experian account for a XXXX card on XX/XX/2018. I did not authorize this. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month on my credit reports.

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 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We received a check for XXXX from grandparents to help with some bills this holiday season as we have been struggling financially this month. While the banks are closed on the XXXX for the holiday we decided to go ahead and do a mobile deposit through our Chase app and figured it would be available in the next day or two, just as our previous deposits have. Yesterday ( XX/XX/XXXX ) I recieved a message from Chase stating a hold had been placed and funds would be available **XX/XX/XXXX** with no explanation. We decided to wait it out another day and see. Sure enough we woke up this morning ( XX/XX/XXXX ) and the check image was in the app just like others we have used the app to deposit before and it no longer said it was pending. But still the funds are not available with an ETA of XX/XX/XXXX. Still we wanted to give Chase the benefit of the doubt and wait a little longer. When XXXX XXXX  rolled around and the funds were still unavailable, I decided to call our local branch and see what was going on. After verifying our account information and recent transactions I was informed the check image was unavailable ( even though it very clearly shows up in the transaction record on our end ) and to check back tomorrow. So which is it, tomorrow or the XX/XX/XXXX? Never have we had such an issue using mobile deposit before, especially with our previous bank. In the meantime the utilities we were hoping to cover by now are now very past due and face being shut off. Thanks Chase. Happy Holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A new hard inquiry was made on my XXXX  account for a Chase card on XX/XX/2018. I did not authorize this. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet / XXXX XXXX XXXX is reporting I have 5 missed payments on student loans that are duplicate accounts to XXXX. All of my school loans have been deferred for years now, because I am still in XXXX. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/2018, I went to a branch of Santander Bank in XXXX XXXX, Pa. and paid my mortgage note as I usually do. To my surprise, on or about XX/XX/2018, I received a collections letter saying that the payment had not been made. I took a copy of the cashed checks and presented them to a representative at Santanter Bank, however, they told me that they could not help me because their mortgage department has been sourced out to another company. But for your information, the representatives from the outsourced company answers the phone as Santander Bank. 

I called Santander several times about my missing payment and finally during one of my calls, their representatives requested that I send an email of the collections letter and copies of the cashed checks. Meanwhile, a representative of the branch of Santander Bank in XXXX XXXX, who tried her best to help me, also sent copies of the payment I made to the XXXX XXXX branch. As a result of the emails sent, I received two separate letters from Santander several weeks ago acknowledging the receipt of the email and the letters stated the problem was being investigated. Since that time I have received another past due letter and two collection calls from Santander. Will you please advise me on what can be done to solve this problem.

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 2018-12-28 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:
Experian is falsely reporting a collection on my report as of XX/XX/XXXX in the amount of XXXX with XXXX XXXX XXXX , XXXX as a third party collector who purchased the debt from the original creditor, XXXX XXXX XXXX. The partial account number is XXXX. 

The account in question belonged solely to my father, XXXX XXXX XXXX who passed away in XX/XX/XXXX for which XXXX XXXX was notified and sent a death certificate. Any claims by XXXX XXXX should have been filed in the XXXX County Court, Probate Division. 

The property was sold and never once did XXXX XXXX claim any fees due when the new property owner transferred the account. Neither XXXX XXXX or XXXX XXXX XXXX have ever contacted me regarding this matter. 

I have never been responsible for this bill, nor should they have any of my personal information, except for paperwork naming me as Successor Trustee of the estate. This attempt to circumvent the judicial system by both XXXX XXXX and XXXX XXXX XXXX violates the Florida Probate Statutes, the FCRA as well as FDCPA. 

If this is not removed immediately, I will file suit against both XXXX XXXX XXXX. and XXXX XXXX, as well as filing a criminal complaint with the XXXX Attorney of XXXX County, Florida.

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 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX / XXXX XXXX XXXX is reporting I have 5 missed payments on student loans that are duplicate accounts to Transunion. All of my school loans have been deferred for years now, because I am still in XXXX. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.

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 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Performant Financial Corporation
State: CA

Complaint narrative:
I have making monthly payments since XX/XX/XXXX. I just sent the XX/XX/XXXX payment and they keep calling even though Ive asked them to stop calling and I wrote them a letter and the continue to threaten me. They also added {$2000.00} to my debt because they say its what they need to charge to collect the debt.

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 2018-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
Ditech bought my mortgage a few years ago. Since then I have had frequent problems with them. The most common problem is where they send two bills in a month. I have called them about this several times. They say it's an error and to ignore the second bill. This month, for the payment due XX/XX/18, I sent a check to them ( # XXXX ) on XX/XX/18 for the amount in full ( {$680.00} ). This check cleared with my bank ( XXXX XXXX  ) on XX/XX/18. About two weeks ago I get a second bill as had happened many times before. Based on what they had told me, I ignored the bill after looking online to make sure that they had actually cashed my XX/XX/18 payment. I received a letter today stating that they had not received my XX/XX/18 mortgage payment and that they were assessing a late fee of {$34.00}. I am tired of struggling with their ineffective customer service. I am also starting to wonder if their double billing is not an accident, but in fact an unfair business practice designed to dupe customers into paying late fees. Please help me to resolve this issue so that others do not also have similar problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony charge credit card security fee without notify and approval. 
Refund has not been given.

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 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
i had an account with US Bank which i opened in year XX/XX/XXXX, on XX/XX/XXXX a bank Representative contact me asking me to give her my valid visa or green card, which i did by email, and she replied that i will be posted, later on i found out ( by chance ) that all my account were frozen ( hard block ) i contacted the costumer service which they refer a contact number that i should call, which i did, it was a near by branch of us bank, they did not knew why am calling, i visit the branch were i knew that my account was frozen because i was born in XXXX, and the account still frozen till this moment and they dont know when the account will be unfrozen so i dont have access to my funds so the bank froze my account for more than 15 weeks, without informing me, and when i knew no one gave me clear answer why it was frozen knowing that i submit all information needed from my end its act of discrimination and raciest, and i will go to court to escalate this matter

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 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Initially i did try to work with XXXX XXXX  XXXX who claim to be representing XXXX XXXX and XXXX XXXX. She told me they were going to sue me if I did not pay I asked her for what?! She claimed I owed money and that I needed to pay them. I told them I had fraud before and asked them to validate claim. They did not send any validation and then sued me. To make matters worse i had to pay a lawyer to get an answer written, which could have went towards said claim that they never proved. To add insult to injury, they cheated me out of a court date, by getting judgement behind my back without serving me for trial, whicheans they probably lied to the judge. I have proof of no filed service. 

This is a misuse of legal system and harrassment and bullying and a clear violation of federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I have been receiving calls from different numbers for several years. The latest is from XXXX, leaving a message that they are Concord and trying to collect on a debt. They want me to call back to XXXX. 
I also receive calls on my cell phone but they don't leave a message. 
I do not owe Concord and have never heard of them. I don't have loans outstanding!

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 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Initially i did try to work with XXXX XXXX  XXXX who claim to be representing XXXX XXXX and Capital One. She told me they were going to sue me if I did not pay I asked her for what?! She claimed I owed money and that I needed to pay them. I told them I had fraud before and asked them to validate claim. They did not send any validation and then sued me. To make matters worse i had to pay a lawyer to get an answer written, which could have went towards said claim that they never proved. To add insult to injury, they cheated me out of a court date, by getting judgement behind my back without serving me for trial, whicheans they probably lied to the judge. I have proof of no filed service. 

This is a misuse of legal system and harrassment and bullying and a clear violation of federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a Bank of America credit card. Upon receiving the credit card in XX/XX/2018 I set up automatic bill pay on my account. The options for automatic bill pay are to pay : 1 ) Minimum amount due as indicated on e-Bill ; 2 ) Amount due as shown on e-Bill ; 3 ) Statement balance as shown on e-Bill ; or 4 ) a set dollar amount. I selected # 2 " Always pay amount due as shown on e-Bill.

However, Bank of America did not accurately implement the automatic bill pay in accordance with my selection. Instead of making automatic payments in the " amount due as shown on e-Bill '', Bank of America consistently made the payment option # 1 " Minimum amount due as indicated on e-Bill '' and subsequently charged interest on my account for the remaining balance. 

I spoke to a Bank of America customer service representative on XX/XX/2018 on a call to the customer support line which began at XXXX Pacific Time and lasted for 30 min. On that the call, the customer service representative confirmed that I had indeed selected automatic bill pay option # 2 " Always pay amount due as shown on e-bill '' and confirmed that Bank of America had instead implemented option # 1 " minimum amount due '' and that this had indeed resulted in interest fees accrued on my account. 

I requested that the interest fees be refunded to me given that Bank of America had not in fact implemented my automatic bill pay selection and I was denied such refund.

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 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I was a member of XXXX XXXX XXXX, TN for about 3-4 months. I paid through direct deposit and cancelled XX/XX/18 and even went up there in person and they told me I was cancelled and that I had no debt, but I have no proof they said that. They sent me a letter ( which I still have ) on XX/XX/18 telling me I owed them {$16.00} and that my cancellation date was, in fact, on XX/XX/18. I called them a few days after and they said they would delete the debt and that everything was fine. On XX/XX/18, I received mail from Aldous and Associates Law firm ( which is partnered with XXXX ) that they are a debt collector and that I owe them {$65.00}, but I didn't see the mail until XX/XX/18, because they didn't send it to my current address, because I am living on-campus. I called them on XX/XX/18 to tell them I wanted to dispute and they told me that they couldn't help me and to send them a written notification and that if I didn't have any proof, I would be out of luck, which is when I went searching for my original letter from XXXX. I am sending my dispute hopefully tomorrow with a copy of the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: MI

Complaint narrative:
Multiple times daily and weekly from Zwicker and Associates throughout 2018. Repeated calls after I sent a cease and desist letter in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: MA

Complaint narrative:
I have a " hard inquiry '' reported on my TransUnion credit report that I did not initiate. It was reported on XX/XX/2018 by : XXXX/XXXX XXXX, FL 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