vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
This is in response to XXXX XXXX XXXX , XXXX. ( XXXX ) CFPB response to complaint XXXX, dated XX/XX/XXXX. I have several issues/concerns with this response. 1- XXXX   never addressed the illegal trespassing on private property. 2- XXXX XXXX alleged validation of debt is unacceptable. XXXX is a servicer and/or debt collector. XXXX is not the alleged note holder and has yet to provide any documentation from the alleged note holder providing proof of their security interest ; i.e. assignment documentation. 3- In the XXXX XXXX XXXX XXXX ( XXXX ) provided in the response by XXXX , an " out building '' was used in the assessment. This building is not even on the property of the subject property that was being assessed. Not to mention the entire XXXX is based on the wrong property as described in the mortgage documents. XXXX continues to inflate the price of subject property in a fraudulent manner. 4- XXXX XXXX XXXX states the subject property has an estimated value of {$100000.00}, yet they forced placed insurance on the property in the amount of {$230000.00} in coverage from XXXX XXXX XXXX XXXX as XXXX XXXXXXXX XXXX , XXXX. named as the first insured ( Policy # XXXX ). This is not only unethical, it's illegal. 5XXXX On XX/XX/XXXX, XXXX stated they provided me a copy of all origination related documents pertaining to account # XXXX. This was false and a misrepresentation of the facts. The documents included : Customer Application, Loan Agreement Including Truth-in-Lending Disclosure, Notice of Right to Cancel, Recorded Mortgage, Good Faith Estimate, HUD Settlement Statement, Servicing Transfer Disclosure Statement, Hazard Insurance Disclosure, Waiver of Escrow and Origination Appraisal. However, in XXXX XXXX XX/XX/XXXX response they included a document entitled " Arbitration Rider ''  as part of the alleged loan documents. I have never seen this document and XXXX has never provided it to me as a result of my numerous inquiries. As a result, I would like XXXX to explain why it was not sent with the documents requested and provide a copy of the document and any other document ( s ) they neglected to send me in their XX/XX/XXXX correspondence. Either the document does not exist and XXXX fabricated it, or XXXX has once again been negligent in performing their duties. Please advise, I continue to assert XXXX continues to act in a fraudulent manner and misrepresents their legal abilities as a servicer/debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect address reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I purchased a new XXXX XXXX XXXX in XXXX of XXXX. I have been paying {$580.00} per month for 25 months on time with the exception of one late payment. I have tried many avenues to get from under the bad loan but all say I am too upside down int he vehicle and will have to pay between $ 5-10K to trade it in. I feel like the company Automobile Acceptance has participated in predatory lending. As of XX/XX/XXXX, to pay the car off is {$20000.00}. I have paid a total of about {$14000.00} into this car. The company has refused many times to refinance. As I mentioned earlier- it proved impossible to get from under this loan. I would like to know how I can file a predatory lending complaint against this company. Keep in mind my car is only work less than $ 10K. As i look at my statement ( attached ), I am paying {$430.00} in interest. At this rate it would take me forever to pay off a okay with little value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
Stearns Lending, LLC Loan Number XXXX Close of Escrow was XX/XX/2015. 
Amount involve is {$370000.00}. 
Loan amount was paid by escrow XX/XX/2015. 

No Reconveyance Deed recorded as of today.

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 2019-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I am a TDbank checking account user and keep receiving emails from them on a saving offer of 2.5 % APY after depositing over XXXX USD. I did open it on XX/XX/2019 and deposited XXXX at the time I opened it and finished all the requirement they set up, however, I still did not see the 2.5 % APY rate showing in my account after the first month 's bill statement which was confirmed through their online account message center. Actually, you can see in the promotion offer, they advertise that I will get the APY in 10 days. Anyhow, it has been about 30 days. I would not have opened this account and transferred my money from another saving with 2.25 % APY. and keep losing my money with the TDbank. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank account was sent to the estate department at B of A, and the dispursed the funds to someone else, without proper probate papers ...

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 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB I am writing about my credit card that i had since XX/XX/2015. My credit card was closed. i called to find out why they informed me that supposedly i tried to call me verify if i changed my address and they were not able to, I responded that yes i changed my address and nobody tied to reach me and ask me if i changed my address, after escalating situation to supervisor i was told to go to branch and provide driver license SS card and my recent pay stub to personal banker so my account can be reopened. I went to branch and provided all requested documents and personal banker asked me to fax to number XXXX XXXX XXXX which i did, after couple days i called to get information i was informed they can not verify information. which is not accurate i provided valid and genuine documents and i was inside branch two different occasion. I do not want my account remain close because its my oldest account and it will have effect on my credit. 

I AM GIVING MY CONSENT TO DISCLOSE ALL INFORMATION HERE AND COMMUNICATE HERE IN CFPB WEBSITE 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
Consumer complaint received 2019-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I was on an Income Driven Repayment Plan last year and didn't have any issues before I had to recertify this year. I'm also on the PSLF. I have been at the same job for over 10 years. They continued to deny by PSLF, claiming that my employer didn't fill in the correct dates and this was incorrect. I resubmitted the paperwork and it was certified. I call the provider to find out how may qualifying payments I have and she couldn't answer the question or simply refused to answer. 

On or about XX/XX/XXXX, I received a notice to recertify my IDR. I submitted my IDR request on or about XX/XX/XXXX, I received a letter XX/XX/XXXX, indicating that my amount was going to be XXXX, after being denied for supposedly not submitting the correct paperwork several times. 

They have now recalculated my monthly payment a total of three times all based on the information that I've submitted. They failed to review any of my documentation before determining their decision to deny them every time and then turn around and approve. 

I have requested a forbearance for the month of XX/XX/XXXX, XX/XX/XXXX. I called in XX/XX/XXXX to request a forbearance until XX/XX/XXXX, since they continued to drag their feet making a decision. Today at XXXX XXXX they took out a XXXX payment from my account, after I was told that I was in forbearance until XX/XX/XXXX. My payment amount in XX/XX/XXXX is now XXXX, which I'm fine with, until they change it again. The numerous calls and correspondence back and forth with this company is tiring and frustrating. This process is absolutely ridiculous. When I open my mailbox and see anything from FedLoan my stomach turns. HEY WAKEUP CALL AMERICAN DREAMERS- HOME OWNERSHIP IS OUT IF YOU HAVE TO GET FUNDED!! Become very familiar with your student loan  provider because you don't have choice as to who services your loan, unless you find a legitimate bank and do it privately. Meet your new life partner ... ITS CALLED STUDENT DEAD DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a refund of {$1000.00} from XXXX XXXX home builder in Florida in which I was in process in purchasing a home in Florida and my VA Loan was declined. 
I requested my {$1000.00} refund and XXXX XXXX sent me a check on XXXX XXXX and I deposit on my Bank of America checking account ending # XXXX. 
This funds that I used for a earnest deposit of {$1000.00} to purchase home in Florida around XX/XX/2019 was a fund from my XXXX XXXX XXXX from California XXXX XXXX XXXX XXXX. 

Respectfully, Bank of America shouldn't hold my refunds until XXXX XXXX, XXXX XXXX Home Builder is a large corporation and funds can be verified immediately through XXXX XXXX Financial Institution.

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 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
My ex-husband agreed to pay for medical services from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$1300.00} and he did not pay. He provided my information and I was not present nor agreed to pay for such debt. I have no financial responsibility whatsoever because I was not even aware. 

Last year a the collection showed up in my credit report and I contacted XXXX   for an investigation. They only verified the accuracy of my identity but not the origin of the debt nor the correct debtor. I contacted the collector, Ability Recovery Services LLC ( the account was purchased by XXXX XXXX XXXX ) by certified mail on XX/XX/XXXX and instead of contacting/collecting from the correct debtor, they sent me another collection letter. I called them today XX/XX/XXXX and instead of investigating they hang up on me twice. 

Again, I never received medical services from XXXX XXXX XXXX XXXX nor I engaged in any financial transaction with them, therefore they should remove my name from such debt collection.

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 2019-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My son, XXXX XXXX XXXX, had a auto loan through PNC Bank, with his grandfathe, r XXXX XXXX XXXX, as a co-signer. On XX/XX/19 my son was in a automobile accident that took his life. My father, XXXX XXXX XXXX, gave PNC Bank permission for me to take care of closing the auto loan account. My son, XXXX XXXX XXXX had auto insurance and gap insurance which should pay off the entire loan amount. I contacted the auto insurance company and the vehicle was a total loss. The auto insurance company sent PNC Bank a check. I contacted PNC Bank and informed them of what had happened and spoke with a XXXX XXXX. She informed me that my son, XXXX XXXX XXXX had gap insurance and all that PNC Bank would need was my sons death certificate and the auto insurance check, then they would take care of everything else. I emailed my sons death certificate and reached out again to PNC Bank and XXXX XXXX and again she informed me that they would take care of everything else. In the mean time my father XXXX XXXX XXXX is getting calls that the vehicle payment is behind and his credit has taken a negative hit, though this case is pending insurance payments and is a total loss. I call PNC Bank, because XXXX XXXX won't return my calls, and am told, by XXXX, they never received a check from my sons auto insurance company. I inform PNC Bank, that I have a letter in my hand and it states that they have received a check from the auto insurance company. I am then told by another representative of PNC Bank, XXXX, that they don't reach out to the XXXX insurance company that we should. We were told that PNC would take care of it by XXXX XXXX. We then reach out to XXXX XXXX XXXX, where the vehicle was purchased, and they send us an email where PNC Bank has cancelled the XXXX insurance. Why would they do that and why did they tell us that they don't reach out and contact anyone. It's lie after lie and why are we taking care of this companies leg work. Why aren't they trying to close this account out? Are they just trying to accrue more interest? Why are we doing the loan companies job? Their client is deceased and they have a copy of his death certificate and they had the nerve to ask us to send them another copy. This is a very tough time for my family and this company is making a tragic situation so much worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I tried numerous time to have two hard inquiries not authorized. One is with XXXX XXXX credit card offer sent in the mail. I already have a XXXX XXXX credit card but they offered an upgrade that I did not get They pulled my report without me being told. This was XX/XX/XXXX. 
The second involves Loan Depot pulling report when their online add for mortgage rates said " no need to pull credit ". This was XX/XX/XXXX. 
After many phone calls to credit reporting companies [ you can't dispute online ] they told me to contact companies directly Guess what?, most popular response was " I will have to transfer you " with no results. If by chance I did not see something in the fine print, I can not even get a response to that. 
After more than 6 hours today XX/XX/XXXX I have had it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I would like to report a scam debt collector named " XXXX XXXX '', who claims to be representing XXXX XXXX at XXXX. I have received repeated phone calls and voicemails concerning credit card debt that is not mine. When I asked for a written validation notice specifying the amount, and the name of the original creditor I was threatened and dismissed. I have checked my credit card report for good measure before filing this report and there is no listed debt. 

These are the phone numbers that have been used : ( 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 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX has listed an alert on my background on a case that has been closed for a period of time, stating the case is active of XX/XX/2018 in XXXX XXXX XXXX county.

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 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage was recently purchased by NewRez ( www.newrez.com ) and there have been many problems with them. 

The company started by double-charging my bank account for my monthly mortgage payment due to a 'glitch ' that hit 2,000 loans during a transfer. Next, the company cancelled my automatic bi-weekly payment plan and refused to switch it back without me going through their process. It has been more than 2 months, and they haven't processed my request. This directly impacts how much interest I pay, and costs me money while they make more money. 

The company 's letter describing the process of my mortgage transfer said my account had automatic monthly payments set-up and I confirmed this online. On XXXX the company had debt collectors calling me saying I was late on payments, their customer service rep told me with the bi-weekly payments being set-up I don't need to make a payment ( conversation took place on XXXX ), and NewRez 's website said I needed to make 1.5x my normal monthly payment ( website checked on XXXX ). How can I know the status of my mortgage when they are so disorganized?! 

The company is raising my monthly payment to " cover escrow '' but my property value is down. This makes no sense, so I requested to have escrow removed from my account and was denied. I have never missed or been late for a payment, therefore there is no cause for denial.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: MO

Complaint narrative:
I actually have multiple issues with a debt buyer who has bought 3 very old accounts of mine, the agency has left messages threatening to turn information over to the police, and to meet me on the courthouse steps. However, my biggest issue is them reporting false information to the credit bureaus. They have bought old debt that was under dispute and have listed it as a recent delinquency. I have contacted all three agencies to dispute the dates and all three have informed me that XXXX XXXX XXXX is showing it as new debt and delinquency. XXXX XXXX refuses to correct it and says they are allowed to do this to force me to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Saturday the XXXX of XXXX I had deposited 6 checks into the atm. They immediately said there was a hold on them until the XXXX of XXXX. I have never had any bounced checks or returned items through depositing business checks. I proceeded to call BANK OF AMERICA and was put on hold fairly fast. Upon returning to my call the girl had stated that all the checks were dated the XXXX which is why they were on hold. I asked to speak to a supervisor who proceeded to talk over me and have no distinct answer why this occurred. She said I would have to call back tues or wed once they had processed, I stated I could not and they would have to reach back out to me as I was already inconvenienced with them already. No calls came either day, I called Tuesday and got the same run around. Today the supervisor informed they could not speed up the deposits nor lift any holds and could not give me a direct answer or return my checks 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 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The Credit report is Equifax. When I check one of my credit score and I realized that One of Equifax that they put mistake background of resident/address. The address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX that I never been living in CA. I been living in XXXX, XXXX and XXXX  that's all Not CA. so I tried to online at Equifax but It is failed because saying not match as 2 questions. I called them and explained it so they asked me 3 questions and one is correct and 2 that I don't realized but said it is not match of course because of wrong background.

Company response to consumer: Closed with non-monetary relief