vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 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: HSBC NORTH AMERICA HOLDINGS INC.
State: AR

Complaint narrative:
I had to reach out thru the CFPB to have any contact from HSBC in the first place back in XXXX. 
Now, here we are, XXXX, XXXX XXXX, my case handler, did NOT handle my case. She emailed me to get the CFPB claim closed, but the email address and phone number are both COMPLETELY bogus. 
HSBC had NO issues having their collections department contacting me. I tried their " general '' phone number, guess what, since there is a card they opened incorrectly under my social security number, I can't verify so it hangs up on me. AGAIN, I can NOT make a payment. I have no way to speak to anyone. Chat tells me I have to call. I can not login on the website, and my " point of contact '' was fictional. 

Dear XXXX, I received your concerns shared with the CFPB. I was disappointed to read about your experience. Im sorry for your difficulty. 

I will be your point of contact on this matter. As soon as I have an update or resolution, I will notify you immediately. 

Please contact me directly if you have any questions in the meantime. 

Best, XXXX XXXX XXXX Manager, Executive Office | HBUS Customer Relations XXXX XXXX XXXX - XXXX XXXX, NY XXXX ____________________________________________ Phone XXXX XXXX XXXX Fax XXXX XXXX ____________________________________________ All XXXX. She never replied to any emails I sent after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
I ma an XXXX XXXX XXXX veteran and I had sent my loan company DiTech Financial my Property tax adjustment in XXXX. This was not adjusted and I had to call back in XXXX. Again it was not adjusted and I had to call again and speak with a Supervisor on XXXX when my account was finally reanalyzed. I was also informed that in XXXX the account should have gone under an automatic anazlysis of my account when i first requested it and submitted my state documents for the adjustment of my property Tax. 

Here we are in XXXX and my payment has still not been adjusted. They have issued my refund and my payment has not adjusted by the {$210.00} I was told it would adjust by. This is the XXXX month where I have paid an additional {$210.00} and I believe this additional money is not being allocated to my principal but instead to someones pocket. 

I have called and called to try to get help having this adjusted and feel as though I am getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
On XX/XX/2017 there was an account open that states I owe {$1100.00} to XXXX XXXX, XXXX on my credit report. I have never or agreed to any contracts verbally or written with this company for any payments owed or debts due. I have never heard of this company and now I am getting an overflow of emails from this company threatening me that I have to resolve my account balance or it will be sent to a lawyer. I know that I owed XXXX XXXX for an amount way less than this company claims I owe. I tried to work with XXXX XXXX company back when I was unemployed and they were working with me until this XXXX XXXX  XXXX appeared on my credit last year in XX/XX/2017, which this debt collector is holding my credit score down and restricting me from getting an apartment and auto loan. I do need a home and transportation for work and it requires to build up my credit. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio recovery has contacted me at work threatened sue me for old debt from year 2000. This has passed statue of limitations in CT and any other states. They have been told not to contact me at work they do it anyway. Call me on my cell again XXXX XXXX today about sued me in court. what's so funny is debt was with capital one and they said debt was expired. They we're no longer collect on it and even offered me credit card. Plus I see the state of XXXX has sued them for millions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: FL

Complaint narrative:
***I used this category because your website only allows certain types of problems to be reported*** My Loan Rehab Program is being serviced by Alltran Education. I agreed ( by phone ) to become enrolled in the rehab program for my debt some months ago. I gave them my banking information, and was told a loan rehabilitation agreement was being sent for my signature, to be returned to them. After three {$300.00} payment had been made by automatic debit, without a written, signed contract, I received a call on XX/XX/18 at XXXX, where their representative indicated that I had not sent back said agreement ( I never received one ). I asked when it was sent, and they could not tell me. I told them to send it again, as their own management doesn't seem to have any control over what's being done, and as they never even recorded it being sent in the first place. I call them on XX/XX/18 at XXXX to ask if it had been sent. They said it had been sent on XX/XX/18. Not having received said agreement, I call twice on XX/XX/18 to verify it had indeed been sent, and was told by a representative and a supervisor that it had been sent on XX/XX/18. I have not received this contract yet, 13 days " in the mail '' so far. In the meantime, I see from DOE correspondence that the three payments made as of this date have not been recorded on DOE files or systems. I recently sent proof that these payments are being made, but I don't know if the DOE is recording them properly. I have asked that a case worker be assigned my file to monitor compliance of this contracted debt collecting company. I ask this again, as I can not trust the loan service company to be either honest or honorable. I need these payments to be recorded promptly, as I am seeking to apply to the loan forgiveness program after the mandatory 9 payments have been made on time - three have been made on time so far. I wish I could trust the DOE and Alltran to do the right thing, but I can't, so I'm asking for some attention to this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
My vehicle was totaled on XX/XX/2018 I did all footwork to ensure I would not incur any negative marks on my credit. On XX/XX/XXXX I was informed by Exeter finance that they had sent the corrected letter of guarantee to XXXX XXXX to authorize the payment. Today I called them to find the status of the loan payoff and was told that they had not yet been paid by XXXX XXXX. I was instructed to get with state farm to find out why the payment was delayed. I learned that the finance company sent the corrected document to state farm on XX/XX/18. The finance company lied to me. They pretended not to know why the payment was held up when it was due to an error they made, as such the balance increased on the loan when they reported it and caused my score to drop 65 points. I have been working for almost 2 years to build a decent score and was hoping to purchase a home this XXXX. This company purposely held the to collect additional interest and fee on the loan. I was told that the letter of guarantee was corrected and sent on the XXXX. I believe it was sent in correct format to the GAP insurance company only- as they paid the claim for {$7000.00} on XX/XX/2018 but this was not deducted from the balance when Exeter finance reported my account. I was to receive a refund for the warranty that was purchased on the vehicle but the finance company is trying to keep those funds as well since the finance company purposely prolonged the process to get additional interest from me. I honestly have been wronged. I paid this account up until I was hit by state farms driver and made every effort to make sure all documents were sent received and accurate. I believe this company maliciously did this in order to cause me to pay money out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX  paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.

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 2018-10-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.

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 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018 I went to the bank I have a account with checking, and savings I used the bank ATM machine to make a deposit a check a friend written to me for working for her the bank did not make the funds from the check {$350.00} available to me they put the check on hold and my account was negative {$360.00} on XX/XX/2018 I went to the bank and used the ATM and deposit 3 cash deposits for {$130.00} {$95.00} {$95.00} to cover the negative balance of {$360.00} because the bank did not make the check deposit for {$350.00} available in my checking account and the bank put a hold on my account I called the bank and tried to resolve the issue they was very rude, and nasty to me the bank have a hold on my account it is not fair because I did deposit cash in my account to pay the negative balance of {$360.00} and they have restricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: CO

Complaint narrative:
I had a Discover card opened in XXXX, and it was closed in XXXX. I was XXXX to XXXX, and the debt was charged off. I received a Form XXXX Cancellation of Debt over 9 yrs  later added to my XXXX taxes. It was not sent in earlier years but tacked on at the last minute nor was I notified of this except from the IRS. Now it is XXXX, and I am still trying to get a letter to the IRS from Discover card that the error was on them and it should have been sent earlier. Discover card is not cooperating and I have tried to reach out to the management and have been told numerous times that they are not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/2017 National Credit Syst appeared on my credit report. They are attempting to collect a debt that I owed with XXXX XXXX XXXX, which I never owed anything. The amount is {$1500.00} and this is false as I never was told I owed anything. I have tried to contact XXXX XXXX XXXX a dozen times to gather information about this issue and I can not get a hold of management at all. I left messages to try to resolve this issue and they don't respond. After a month or so goes by this company National Credit Systems appears automatically on my credit report with no options to pay before it hits my credit report. I believe this is wrong of both companies to fail me and my spouse on the fees that I owe and don't understand. There were no kind of explanation to why this is owed. We completed the lease agreement and were free of any extra charges as the company could have possibly made up fees or hidden fees that we were not made aware of. This is hurting my credit and I need to be able to find a place to lease and or obtain a mortgage, but with this Company holding my credit down it has been hard to establish a home of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
Received notification from XXXX XXXX that my account has been suspended and required verification by submitting government ID card image and financial documentwith my home address on about XXXX  to XX/XX/2018. I initially ignored due to concern of electronic submission of my ID and financial documents, despite having a nominal balance. But I contacted XXXX XXXX  on XXXX XXXX to figure out why it was suspended and tried to get credit. I was told reason for suspension was not releasable to me to protect my privacy. I was recommended to connect my credit card company ( XXXX XX/XX/2018 ) and then contact another Google department ( XXXX XXXX on XXXX XX/XX/2018 XXXX to see if they can provide information. neither had any issue with my account. I submitted requested documents in hope of finding reason, as recommended by another XXXX XXXX service representative on XXXX XX/XX/2018. Although I was notified of account suspension is lifted, I'm given no reason for suspension, only guesses by phone customer service representative. I was finally told after contacting customer service representative 6 or more times and being told to contact multiple non-Google services that I can not get a response on what triggered my account suspension and it can happen anytime in future. I think I deserve explanation on any issue related to my financial services. It's also misleading to have me contact other service providers to get explanation when issue was stemmed within XXXX XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018, at approx XXXX CT, I spoke with a Chase Card services Supervisor at their telephone center. This individual advised me that a new promotion would be running for the Sapphire program starting XX/XX/2018. On XX/XX/2018, at approximately XXXX CT, I spoke with another Chase Card service supervisor named XXXX. I advised her of the previous information as well as the previous CFPB complaint in regards to Chase failing to honor their written promotions. XXXX advised she checked their internal info and showed NO promotions and was unsure where the previous Supervisor would have gotten her information. I then asked XXXX for the previous supervisors name to include in this CFPB complaint and she declined. XXXX also declined to provide any other information that could Identify the Supervisor I spoke with on XX/XX/2018, for the purpose of this report. XXXX was advised of a secondary CFPB complaint being filed for misleading information. See previously related CFPB Complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX an account was opened with XXXX XXXX in my name. The Account was opened in Michigan. XXXX ran my credit. On XX/XX/XXXX the account was closed for non payment. XXXX filed a collections report on my credit bureau in the amount of {$630.00}. The collections filing dropped my credit score 65 points. 

I was notified by my mortgage lender that there was a serious delinquency that impacted my mortgage approval. My mortgage lender provided me with the name of the collection agency, IC Systems in XXXX, MN. 

I contacted IC Systems, and proceeded to go through the information in their file. Even though none of the information in their file was correct, nor despite the fact they couldn't prove the debt was valid, they refused to remove their erroneous credit bureau filing. 

I contacted XXXX. They would only have me submit a claim of Identity theft. They refused to contact the collections agency to tell them to remove the information. Funny thing is I live in XXXX XXXX, and have for the last 10 years. During the whole time I've lived in LA I've been a customer of XXXX. How do they open a new account for a new customer on the other side of the country using my information when I'm a current customer? Do their systems not detect this? 

Anyway, XXXX XXXX refuses to remove the information unless IC Systems removes it.IC System won't remove it without XXXX  paying them. 

This is wrong. I'm losing my mortgage and my deposit on the house of {$30000.00} because of this nonsense? This is just not right.

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 2018-10-11 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I would like to reopen the case # XXXX because Wells Fargo bank is NOT investigating and looking to see if the charge on my credit card is valid. I had a service that was paid but I did not get the service, I raised the issue multiple times with WF and every time they come up with a different reason not to investigate the case. Every time they assign a person to the case and they disappear for a week and then comes with different answer. First they said I received the service and the clinic sent them agreement with the procedure crossed out so WF will not see it, they never investigated why the clinic crossed out the service instead they deny the dispute. I explained to them that the clinic crossed out because they denied my treatment and they called the police to me so I did NOT get correction or followup on the procedure which they crossed out. After informing Wells Fargo and wake them up about the clinic behavior they disappears for a few days and then another person came from WF saying because it is medical treatment then we are not investigating it, so why then they allow people to use credit card for medical treatment, doe not make sense at all. In another response from WF they said we will give you {$300.00} so they can avoid the dispute and avoid spending the time and effort to investigate but I paid {$1200.00} not {$300.00}. There is customer rights under credit act and if the service is bad or not done then a refund must be issued but WF does not follow the credit card customer rights, I need my money back, I have police report, I have proofs or service that was not done and also I have proofs of WF not doing his job in looking after people who charge credit cards without doing the service. 
I attached the police report shows that the clinic stopped me from going to the clinic to correct and followup on my bad XXXX. I also attached two certified XXXX  stating that the procedure has to be redone.

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