vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: The LGM Co., Inc.
State: NC

Complaint narrative:
XX/XX/2016 the vehicle was repossess and sold at an later, the total amount on the vehicle was {$5500.00} at the time of the repossess. I had written the company and requested a copy of how much the vehicle was sold at. Also, request that the company updated with all three credited bureau, the company refuse to do sent me any information or update my information with all three credit bureau. In addition, I have disputed this account with XXXX, XXXX, and XXXX. No changes have been made with the credit bureau 's. In addition, the company sold me a car with a salvage title without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC has advertised that individuals who open an advance checking account and deposit {$10000.00} of new money would receive a {$350.00} bonus. I signed up for the bonus on XX/XX/2018 and received an e-mail that I had to open an account by sending a check to the XXXX office. I sent a check for {$25.00} on XX/XX/XXXX that was cashed on XX/XX/2018. I only received the account number several days later and made an ACH for {$9900.00} on XX/XX/2018. 

I called HSBC on XX/XX/2018 to inquire why I did not receive The {$350.00} bonus. I spoke to an individual named XXXX and have been told on all subsequent calls to HSBC that I had to speak to XXXX. On my call with XXXX on XX/XX/2018 I gave him all the information plus the invitation number. My last call with XXXX and HSBC was on XX/XX/XXXX, XXXX and all i have been getting is the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: IA

Complaint narrative:
I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX XXXX XXXX ( XXXX ). I have all payment history from the date of XXXX ' purchase but would like the prior seven years ' worth of history from Conduent. 

Payments began XX/XX/2006 and I've deferred for 18 months ( non consecutive ) throughout that time, making minimum payments and above for approximately 120 months. To date, my original principal balance of XXXX XXXX has been reduced by XXXX XXXX. I need to confirm accuracy by reviewing the history in total, as the original schedule was set to be paid in full after 120 consecutive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My debit card, credit card, vehicle, and ID were all stolen from me on XX/XX/18 going into XX/XX/18. I was in XXXX XXXX for the next few days and a women stole my card along with my debit card number. All of my transactions from XX/XX/18 to XX/XX/18 were not me aside from one drink at tropical isle on XX/XX/18. 
I have two case numbers for two different amounts. The first is XXXX and the amount was XXXX. The second is case number XXXX and that amount was XXXX. I called and made a police report later when when my parents drove from Fl to XXXX XXXX to get me several days later. Police fraud phone number is XXXX XXXX XXXX. The officers name is officer XXXX badge number XXXX. The case number is XXXX. I was on several different news stations along with the XXXX Fl police department posting missing posts about me. I also have chief XXXX XXXX number which is XXXX. My number is XXXX. All I got back was an email with a do not respond saying that they didnt believe any fraud happened. I have several cops, and proof of my stuff being stolen so I dont understand how they came up with that assumption. My stolen car case number is also 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 2019-01-06 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: Risecredit, LLC
State: AL

Complaint narrative:
Rise should be taken completely off of my credit reports, because the debt was sold to a creditor and has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was fraudulently charged {$1400.00} which was not authorized. I immediately filed a dispute on XX/XX/XXXX and was promised a temporary credit. After speaking with Wells Fargo I was told that the issue would be investigated. 

Unfortunately Wells Fargo did not provide a temporary credit and closed the dispute without cause. I called multiple times and asked for proof that I authorized this amount. 
Wells Fargo never provided evidence. 

The requested information was never provided and Wells Fargo has ignored my concern ( s ). Wells Fargo has violated the user agreement by refusing to address this issue. 

I have lost {$1400.00} which has placed a major strain on my finances. Therefore I'm filing a complaint and want the appropriate action taken to recover my funds. 

I reserve my legal right including initiating arbitration per the user agreement if this issue is not resolved. 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 2019-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
BOA charges fees for their own personal gain. I had a small balance in my checking account after I went into the banking center to purchase a cashiers check with the funds I had in my checking account. The small balance was enough to leave in my account until my next payroll deposit. By the next business day I get an email from BOA stating that my account was overdrawn. I have a membership with XXXX XXXX and XXXX. Both will bill me monthly via my debit card. Both charges should have been declined via my debit card since there was not enough to cover the charges. So what BOA did was allowed both charges to go through, and they charged my account nsf fees and then they charged me extended overdrawn fees as well. I called BOA spoke to a supervisor who told me it was perfectly legal and if I did not like it I could file a complaint and I could take my business to another bank ... .when I asked for them to send me this in writing they told me that they do not have to, but if I want to I could XXXX it. She also told me that supervisors calls are not recorded. I would like to start a class action law suit ... .please assist me with who do I need to contact to do so ... ..I also want assistance in getting the fees reversed on my account. Please help me. BOA should not be allowed to treat their customers this way

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 2019-01-06 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
{$5700.00} of fraudulent charges were made with my credit card between XX/XX/2018 and XX/XX/2018. {$2800.00} of these charges were credited back to us in a timely manner by USAA. The remaining {$2900.00} of fraudulent charges has NOT been credited to us, despite numerous attempts at resolving the issue with USAA ( through phone calls, online chats, emails, online document uploads, and a letter delivered via USPS certified mail ). Details of our attempts at resolving this issue with USAA are provided in the attached supporting documentation. In addition, USAA has been charging us interest for non-payment of the remaining fraudulent charges. 

All of the unresolved fraudulent charges were reported on an additional page attached to a signed affidavit submitted by us to USAA in early XX/XX/2018. It appears that this page was over-looked by USAA 's fraud department. We have attempted to bring this to their attention by several phone calls and written methods of communication but have received absolutely no response from them. In our last attempt at communication with USAA - a package of documentation delivered via certified mail - we specifically asked that USAA acknowledge that they received the information and were working on resolving the issue. We still received no response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-06 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: CA

Complaint narrative:
After a very recent dispute, initiated through EQUIFAX, the following account has comeback with an update- verification showing the same gross error as before.IT HAS BECOME OBVIOUS that the XXXX XXXX XXXX is uneducated as to credit reporting and the FCRA ... .Equifax who should be removed by Congress as one of the Big Three CREDIT BUREAUS is inattentive, incompetent at remediating gross credit errors that they are required by the FCRA to remediate WITHOUT ANY INPUT FROM THE UNEDUCATED SUBSCRIBER.I am aware I have a civil suit that has grounds for gross negligence of EQUIFAX and the XXXX XXXX XXXX XXXX and both are guilty of wrongdoing that has harmed me financially ... ..the estimated fico loss is 50 points caused by this indefensible and unconscionable misreporting. 
It is also the duty of the CFPB to attend to both organizations with deserved fines, lawsuits and years long supervision.The attached evidence is conclusive as pertaining to my grave allegations. 
The account in dispute is XXXX XXXX XXXX/XXXX, ACCOUNT NO.XXXX THE ACCOUNT WAS CLOSED/TRANSFERRED IN XX/XX/XXXX. 
THE MIS-REPORTING SHOWS TWO 120 DAY LATES OCCURRING IN CALENDAR YEAR XXXX AS IF THE LOAN WAS OPEN IN XXXX IN THE DEPICTED PAYMENT HISTORY.This loan  today is with XXXX XXXX XXXX AND HAS BEEN SINCE XXXX OF XXXX AND IS CURRENT IN GOOD STANDING. 
IT IS ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian blocked all my families phones. I'm not able to reach them. Please see the attached letter sent to my husband.

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 2019-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've spent months and months on service for XXXX XXXX XXXX which is now Experian and a top supervisor at Experian XXXX XXXX, XXXX simply told my husband that this is only a product. It's not an accurate report and it's not reliable. My husband also verified incomplete information and contradicting reports from the product and the regular 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 explanation
Consumer complaint received 2019-01-07 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
XXXX XXXX XXXX reported a late payment on my account claiming it to be 30 days past due! My account is not past due and all my payments are current. This report dropped my credit score 53 points! This is not the first time that this finance company has put wrong information on my credit report and before filing a complaint I tried to handle the previous situation with no luck. They need to contact ALL OF THE CREDIT BUREAUS and have this information removed ASAP, for I am trying to purchase a property within the next few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian website " credit dispute '' never works. it throws you to a page saying " we are experiencing technical difficulties and can not help you at this time. '' It does this ALL THE TIMe. I want an old bankruptcy removed should have dropped off my report 2 months ago : experian is making it impossible to get them to look at/correct by contstant website " sorry error '' URL when you click their " start new dispute '' button. 
thanks Bankruptcy chapter XXXX-discharged XX/XX/2009

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 2019-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
wells fargo tells me to work with foreclosure which i did with XXXX XXXX who was Helpfull but WELLS FARGO IS THE WORST MORTAGE CO from what i hear by person and XXXX etc, THANKS FOR ALL YOUR HELP XXXX Bless 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 2019-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by XXXX, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXX-Principal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to XXXX is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. 

I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX XXXX ( two separate pieces of correspondence ), XXXX ; and Resurgent Capital Services d/b/a or on behalf of LVNV Funding LLC, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. 

None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2018, I called Capital One to get the payoff on my GM Credit card ending in XXXX. 
I pay via their on-line system same day, total {$5500.00}. 
Approximately 30 days later, I received a bill for {$91.00}.?. I called Capital One twice and ask to speak with a manager because they said it was an interest charge and it was not included in the payoff they provided to me. They would not waive even though I was quoted a different amount for payoff. I was advised interest would not be charged on interest, but that isnt correct either. New bill reflects XXXX. I filed a claim with Attorney General and they said I need to file on this website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Credit Corporation
State: VA

Complaint narrative:
Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by Avant, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXXPrincipal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to Avant is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. 

I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX, XXXX ( two separate pieces of correspondence ), XXXX ; and XXXX XXXX XXXX d/b/a or on behalf of XXXX XXXX XXXX, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. 

None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: CO

Complaint narrative:
My prepaid XXXX ( managed by US Bank ) card was part of a data theft on XX/XX/XXXX and was turned off. They sent a replacement to an address I no longer live at and I had to wait 10 days until I could get a new replacement. Ever since, no matter what address I give them the card does not show up. I've asked them to send it via a trackable method, but they want to charge me for that. I feel like they are illegally withholding the funds on my account.

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 2019-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2019-01-07 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:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2019-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Consumer : XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX-MI XXXX Loan Servicer : Ditech Financial LLC Loan # XXXX Complaint : Fraudulent/Illegal Default Notice on Loan & trying to initiate Foreclosure I am a XXXX   father with XXXX children, Ditech is  trying to push my loan into foreclosure without any legal basis & push me out of my home! right at XXXX time! 

On XX/XX/18 I received a default notice from Ditech Financial LLC on loan # XXXX on behalf of XXXX XXXX XXXX XXXX, stating that my loan was in DEFAULT due to 3 missed payments for XXXX, XXXX & XXXX. 

I have not missed any payments & I have the USPS " Certified Return Receipts '' signed & accepted by Ditech for the 3 months. I also have the USPS Money Order Stubs in the amount of the payments to prove that Ditech received & signed for the payments. 
I have attached the copy of Ditech letter, payment stubs & Certified signed return receipts showing that Ditech received & signed for my payments for XXXX, XXXX & XX/XX/2018. 

Ditech has in the past done exactly the same type of fraudulent attempt to push my loan into foreclosure. This is pure harassment & predatory servicing practices that I have faced from Ditech in the past as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation