vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
mortgage Servicing company ( XXXX  ) has not paid my property taxes ( {$7900.00} ) despite more than sufficient funds in my escrow ( $ XXXX ).  see attached files. both tax and mortgage statements attached.

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 2018-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an alert email from XXXX  XXXX advising me that there was a change to my XXXX credit report and a credit inquiry was sent by XXXX XXXX XXXX XXXX XXXX done on XX/XX/2018. I have not applied for any new credit cards. I contacted XXXX XXXX  and they told me they did not see any recent applications. They advised me to call XXXX. I called XXXX and they could not help either so they asked me to call XXXX. I called XXXX and they could not help me either. 
I would like to try to get a hold of the XXXX ( XXXX XXXX XXXX XXXX ) but there was no phone number. I would like this inquiry taken off my credit report and I would like to prevent them from approving any account opening under my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
On Monday XXXX around XXXX I received a call from XXXX at HSBC Fraud Protection that a credit card application had been opened in my name and that the card was being suspended for use until I returned the call. The number I was suppose to call was XXXX and my reference number was XXXX. I attempted to call back that afternoon, and was on hold for 30 minutes when I had to end the call. The next day in the morning I called the number again and was on hold for 2 hours and after 2 hours the call just ended. Today, a week later, I tried again and was on hold for 2 hours and then my call was abruptly ended. I tried to find an online way to resolve this item without success.

I think HSBC should be held to a higher standard that this level of participation in the financial services industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I noticed this XXXX XXXX that on my Best buy credit card ( citibank ) I was being charged a fee outside of my interest. I learned that the fee was called " enhanced debt protection. '' When I called to figure out what this fee was regarding, they informed me that I have had this " protection '' on my account since XXXX of XXXX. I felt violated and immediately wanted to close my account as well as cancel this " protection. '' I know that I have never knowingly signed up for ANY protection on my account. In fact I have never heard of this protection in my life until that phone call. I demanded to be refunded and I know I have paid well over {$500.00} into this. Had I of not downloaded my statement and looked thoroughly I would still be charged this fee every month without my knowledge. Not only have I reached out to them XX/XX/XXXX and demanded they refund me, they stated it would be investigated and that I will receive a document stating whether I would be refunded or not. I received the document today, XX/XX/XXXX and was told they will request again for investigation again. I was told there is no one else to speak with about this and the only thing I can do is wait for another investigation. After reading further into this situation there are many others in the same situation I am with Citibank with no refunds and no answers.

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 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am are currently dealing with an issue with Portfolio recovery associates. They are claiming that I owe XXXX for a credit card that is not mine. I have disputed these accounts already with both Portfolio and also with the credit bureaus and they are coming back with documents that they claim show proof that it is my account. However, the papers they are sending show nothing but a few statements of transactions and do not verfiy that they were mine. I continue to go in circles with this company and would like these removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: PA

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. 

The companies have not responded and the credit bureaus are continuing to report them on my report. 

I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these companies. 

They are as follows : -XXXX XXXX -XXXX -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Due to an incident in XX/XX/2015 my credit has been tarnished ( please see my previous submitted cases ). 

One of the side effects was the reduction of the credit line from $ XXXX to {$500.00}. I previously opened a case which was denied due to this ongoing issue which is still an active investigation with multiple law enforcement groups. I was told that I would be eligible to request non-hard credit limit increases every 6 months. This past month I called to request a good customer increase and was told that the policy has changed, and this is no longer the case. I understood and do not want any additional hard checks on my account as I am trying to repair the damage due to the XX/XX/XXXX incident. I instead inquired how I could put my revised salary information on my account, given this card was initially opened in XX/XX/XXXX, likely the salary information is from that time frame. I was told there was no way to update my salary information on the account without a hard credit check, which surprises me. I tried multiple chat and phone representatives and even spoke to a Wells Fargo branch manager who actually recommended I submit this complaint since she in the past had similar issues. 

All I want is to update my salary information on my credit card so that in the event of an account review, the most current information is available to ensure the possibility that my limit is automatically increased without a hard credit check.

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 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genpact Limited
State: CA

Complaint narrative:
XXXX pharmacy in XXXX store in XXXX XXXX submitted approval for prescriptions to my previous insurance carrier, not current. They XXXX XXXX approved it in error, I paid my co-pay and had no idea until I got a collection letter to reimburse them. Called them and said they need to talk to the pharmacy, they and you made the mistake, I was hung up on. I called the pharmacy and was told they would not fix their mistake, but rather I would need to submit a claim to the correct insurance carrier. They gave me print outs of the labels for the prescriptions and sent a completed claim form to XXXX XXXX. XXXX XXXX has never responded, other than rejecting the claim form saying it didn't have all the information from the pharmacy label. I sent it in to them twice. I also advised XXXX XXXX that a claim for had been submitted. I was told that was all I needed to do. I have not received the reimbursement from XXXX XXXX and now XXXX XXXX has turned this over to XXXX XXXX for collections. The pharmacy won't help and no one at either insurance carrier will work it out between them. This is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/2018 my XXXX XXXX premier account ( account # XXXX ) had been hacked, and being illegally transferred out twice ( {$2800.00} & {$6200.00} ). I noticed the same day while I was in XXXX, I called HSBC Premier customer service line ( XXXX ) I was being switched to HSBC fraud department. All my XXXX XXXX accounts ( premier, saving, checking, business and credit accounts ) were suspended. I could not log into my account online anymore. I came back to New York on XX/XX/2018, went to HSBC XXXX branch to learn that my account was being hacked many times since I reported. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, hacker came in and transferred money out freely. 
On XX/XX/2018, I filed a complaint with CFPB because I was in XXXX could not get response from HSBC. The complaint number is : XXXX. I received your letter 2 days ago telling me that this complaint is closed. My money is not recovered completely yet. HSBC efraud team refused my phone calls several times, they asked me to branch, when I went to HSBC several branches and I was told to contact my account manager. My personal account manager left HSBC more than 2 months ago, but on their system my account manager is still he.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
The only person I have been able to or allowed to speak to is a woman named XXXX, back in XX/XX/XXXX I called to complain stating they are saying I owe them over {$4000.00} for a XXXX XXXX XXXX bill, when in fact the XXXX XXXX XXXX bill was showing only as {$2200.00} per the final bill. She stated on two separate occasions that she needed to get a final bill before speaking to me, both times she raised her voice stating that my " story '' was irrelevant. I said it is relevant when it's TWICE what they were showing I owed ( which really should be {$0.00} but I am working that out with XXXX XXXX XXXX directly as I didn't reside at the XXXX XXXX XXXX - which is a large portion of that bill, I only resided at XXXX XXXX XXXX for a short period of time which was less than {$300.00} in services ). Now this is negatively effecting my credit when Collection Bureau of America stated they WOULD NOT REPORT NEGATIVELY until they found out what the actual amount owing was. They didn't even give me a chance to resolve any discrepancies before reporting me negatively to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: LA

Complaint narrative:
I was checking my credit report and saw i had a collection account with this company, I've never had any dealing with this company. I've different tactics such as a debt validation letter asking them to provide my signature as well as with me giving my permission to share my information with a third party as well as contacting them to remove this negative reporting item from my credit report and I've received no solution

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 2018-10-01 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: TX

Complaint narrative:
XXXX is appearing on my credit file that you maintain under my social. I have contacted XXXX 3 different times certified mail and have yet to get anything to validate this account. How is it possible for to verify this account and they are not validating it with me? This company is reporting inaccurate information and cant provide proof bearing my signature that 'i had any contract with them or any company that they represent. Please remove this from my credit file immediately.

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 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! 

I request that XXXX XXXX verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

XXXX XXXX XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. There was no prior knowledge of debt until XXXX alerted me to it. No contact has ever been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
In XX/XX/XXXXI took out a HELOC for XXXX to upgrade my home. My payment was always XXXX. To stay on top of it I have an automatic withdrawal from my bank, XXXX, automatically to BOA each month for XXXX. In XX/XX/XXXXBank of America paid XXXX to pay my state home owners tax. This was not up to them to do, and they should not have done that. I don't know why they did this and when I asked them, they didn't know how it happened either. It was none of their business to pay my state taxes. Than BOA took the XXXX and added it to the balance of my HELOC. So instead of paying intrest on XXXX, for taxes, they added it to my HELOC payment and now they have me paying intrest on almost XXXX. This is dirty business. 
There are 2 completely and separate issues but BOA added it all together. 
I have been asking for a copy of my original loan document so I can see what is going on for myself but BOA refuses to send me a copy of my HELOC. 
This was a fixed rate loan when I got it, now I'm being told it has been changed to a variable rate loan. This is wrong to do to me and it is destroying my credit. 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 2018-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
on Today XX/XX/18 my grandmother who is a reference on my account they called her and discussed my balance on my account. I know that they aren't supposed to release any of that information but they can call and ask for an updated address or phone number. However, once I called the representative that told my grandmother this information she states she only told since my grandmother asked but I told her I don't care because she still should not have disclosed it due to it not being her account. I think got transferred to the manager she told me that I am not telling the truth that my grandmother told them the amount of my loan. I am like how can she know the amount if I didn't tell her and she was speaking to your representative that stated she told only because my grandmother ask, no way possible for her to know the exact amount of the loan. I also advised that I get numerous calls she told me that's false she only calls me once a day. I said ma'am I get a call from XXXX at least twice a day and one from her each day. I told her I could show her my voicemails but she told me she isn't hear to discuss that just the payment of my loan. so I asked her not to call me or my grandmother any more. I spoke to the assistant manager XXXX an made a payment and he told me the payment wouldn't be due until the XXXX of each month. granted I am behind and did mention I would pay it and I said I would go ahead and make 2 payments this month well I forgot on Friday due to death and on Monday today XX/XX/18 woke up to 4 voicemails and then a call from my grandmother. she told me since I'm late they can call me about it as much as they would like until I'm caught up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX posted XXXX $ for collection on XXXX and XXXX. Dispute is in progress with XXXX  but at XXXX, I cant even verify its me. It says i have autoloans i opened, mortgages and student loans. I answered truthfully with none of above and they say the information is incorrect! Theres hard inquiries on XXXX as XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IA

Complaint narrative:
XX/XX/2018 I was contacted by a debt collection company by phone stating that I would be going to jail for check fraud unless I paid $ XXXX, for a loan I was given by ACE CASH EXPRESS approximately 10-15 years ago. I am currently on SSI/Disability and I told that to the person on the line " whom I later learned was named XXXX ''. And I explained to him that I didn't have that kind of money and was struggling to make ends meet. However I did tell him that I could make an arrangement to pay something each month until it was paid off and he asked " how much '' and because of my current financial struggle I stated that I could pay at least $ XXXX- {$25.00} per month and at times maybe more until it was paid off. Well XXXX then stated that he couldn't accept that low of an amount and asked if I could ask my friends and family members and come up with {$1700.00} that day and take care of this. I again told him that I was unable to come up with that amount so he said he could lower that to {$700.00}, and I told him that I have no friends or family members that would loan me that kind of money. He then drop it down to {$500.00} ... ..and once again I stated that I just was unable to come up with that amount. He then said " well can you ask your friends and family members for {$170.00} today, to keep me from sending somebody out to pick you up today XXXX meaning arresting me and taking me to jail ). Frustrated and afraid of being arrested, I told him that I would make a few calls to someone and see what I could do. Unfortunately I was unable to come up with any money, and when I tried calling back several times I kept getting a busy signal. " Please Help Me ''? The Docket # XXXX

Company response to consumer: Closed with explanation