vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: VA

Complaint narrative:
Direct Recovery Services sent a text message to a friend of mine that included my name, the statement that it was an " Important Private matter '', as well as links and information that would easily give that person access to my private information. They insisted that they did not give out my information, as if no one could figure out what that text was about. Also, if you clicked on the links, all you had to do was answer yes to a couple of verification questions to gain access to the full information. 

When I called to get a mailing address to send these people a cease and desist letter. They transferred me, put me on hold, and one of the reps XXXX questioned my character, made a XXXX comment, and several other comments, when I told her all that I wanted was a mailing address. The 3rd rep I spoke to gave me a bogus website address so I could " find the address '' myself. After searching the name of the company, I did finally find the address in under 1 minute, a great deal shorter time that the two reps kept me on hold while they looked for the address of the company they worked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valentine and Kebartas, Inc.
State: NC

Complaint narrative:
XXXX sent a letter trying to collect on a debt. On the letter they say they would report the debt but they are reporting the debt to the credit bureaus.

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 2019-05-29 00:00:00
Product: Debt collection — I do not know
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: Lendmark Financial Services
State: FL

Complaint narrative:
Lend-mark has been constantly pulling me credit report each month however ive disputed inquiries from this company several times. They are calling threatening me threatening my mom, my kids and my co workers This company has been harassing me for 9 months straight non-stop. on XX/XX/2019 the company pulled another hard inquiry without my consent this is the 4th inquiry pulled from this company without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NM

Complaint narrative:
Today, XX/XX/19, XXXX XXXX, Loan Manager from One Main Financial Loan Department called at XXXX  to and offered me a loan of {$10000.00}. He emailed a loan agreement, while I was on the line with him, and I was told to reply to the loan that I agreed, as soon as I said I replied, he hung up on me. I tried to call him back at XXXX  and he hung up on me several times, and now he won't answer. I replied to him through email that I don't agree to the loan agreement. I called the OneMain Financial- Corporate Headquarters and they said they never offer loans over the phone and nobody by the name of XXXX XXXX works for them. However, the email that was sent has the One Main logo on some of the pages. XXXX XXXX has my personal information, as well as by routing and checking account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I filed a claim onXX/XX/XXXX and was told that once the transaction posted I would receive a temporary credit within 12 hours its almost 4 days later and I have not received the credit. all I have received if different bull XXXX responses from reps as to why the credit was not processed -- the merchant after I threatened to sue refunded the amount -- instead of still applying the temp. credit I am being made to wait another day for my funds. As a customer I am looking for another banking institution because I do not like how this situation was handled. I should not get 4 or more different versions of a policy and as a customer am now going to be without funds that were fraudulently taken from my account for almost a week. I had better response from the company who fraudulently charged my card than from my own bank ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TN

Complaint narrative:
Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine XXXX/XXXX  and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items 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 non-monetary relief
Consumer complaint received 2019-05-29 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: CA

Complaint narrative:
I opened a HSBC checking account that had a {$200.00} promo bonus advertised. I met all the terms and the promo was never credited. I contact the bank multiple times by secure email and chat. Each time they said they would look into it and I never heard anything back. Pathetic and unprofessional practices wasted a large amount of my time. They should be fined and/or sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX is reporting fraudulent information on my credit file. XXXX  is reporting bank accounts from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. All of these accounts are not mine and some have a negative balance. XXXX  is also reporting names that I have never gone by and associating me with different last names of other people that have similar birthdays as mines. XXXX  is also reporting addresses that I never lived at. I believe XXXX has compromise my credit file with anothers persons that have similar information as mine. Ive made several dispute with them however they continue to keep the fraudulent accounts on my XXXX  file.

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 2019-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I was sold a vehicle that from day 1 had issues. I went into the dealership with specular credit and wasn't giving a choice to select a car. the sales man forced me into the vehicle he selected stating it was the best car for me. the vehicle has issues that are unsafe and can pose a threat not just to me but my family and on the roads as well. the car does this sudden jerking motion when the car is driving or even while idle. the car skips forward and causes your neck to whip lash. this can cause an issue as I can hit the person in front of me unless I have my foot on the brake and emergency break on while at a red light. this I every unsafe for my children and I need this issue resolved as I pay a lot of money on this vehicle and its a car with manufacturing issues when I've tried to speak at the dealer ship they say there's nothing they can do as the car was already sold to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems, LP Southwest Credit Systems, LP is reporting to XXXX Credit Bureau that I owe an invoice to A company named XXXX.I never any such company.This is hurting my credit worthiness. Southwest Credit Systems, LP refuses to remove this lie and holding my credit as ransom.I never made any such bill

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TX

Complaint narrative:
THE XXXX FINANCE COMPANY ONLY WORKS WITH EXPERIAN. EXPERIAN CREDIT BUREAU TOLD THEM OF THAT I HAVE A FRAUD ALERT. THAT I HAD SEND A REPORT TO THEM. I DID NOT SEND ANY REPORT AND HAVE TOLD ANY COMPANY TO DO SO. EXPERIAN IS TRICKING PEOPLE IN SO THEY CAN SIGN FOR THEIR SERVICE. I PAY FOR ONE MONTH SERVICE AND THEY DO NOT WANT TO GIVE ME A REFUND. THEY NEVER ANSWER THE PHONE AND THEIR WEBSITE DOES NOT WORK. TRY UPLOADING DOCUMENTS AND IT SAYS LARGE MEMORY ON IT, EVEN WHEN I JUST TRY TO LOAD ONE DOCUMENT. THEY NEVER ANSWER THE PHENO AND THEY ARE COMITING FRAUD BY MAKING PEOPLE SIGN IN FOR A PROTECTION SERVICE, INSTEAD TO TALKING WITH PEOPLE AND HANDLE THIS MATTER A FASTER WAY SO THAT THE BUSINESS DOES NOT TAKE A LOSS ON A VEHICLE THAT CAN MAKE MONEY WHILE IT WAITS ON THEM. THE PROCESS HAS TO BE DONE BY MAIL. I WANT A LAWSUIT AGAINST THEM FOR FALSE ACCUSATION AND TAKING ADVANTAGE ON SOMEBODY THAT WANTS TO WORK HARDER. AFTER ALL I WORK SO HARD PAYING MY BILLS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is violating the Fair Housing Act by not allowing me to use VA XXXX and social security XXXX income to qualify for a loan modification. A couple of months ago I cleared the previous denial reason of " unverifiable income '' by providing a copy of a tax return showing what income I have. I then was forced to reapply and was recently denied on XX/XX/19 for the same reason of " unverifiable income '' ( my only income is military XXXX and social security ) and how hard is that to verify? I submitted the award letter and 2 months bank statements showing the deposits and that is all there is to prove since it is non taxable there are no tax returns. But yet Bank of America is refusing to recognize this as income and are trying to foreclose on my home. I opened an official appeal on XX/XX/19 which they will need 30 days to review.

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 2019-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
It was XX/XX/2018. I was trying to purchasing an Motorhome on XXXX XXXX for {$35000.00}. The scammer said they will ship the car to me for free, I have 7 days inspection, after that they will release my payment to seller. 

They have a very convincing website. I totally believed they have a whole fleet to do the shipping. But I do have some doubles, so I asked for shippers ID, shipping company 's business permit and other docs, the scammer provided all. All fake of course. 

I never seen the motorhome and tried to contact the bank that i wired my money to ( XXXX XXXX, XXXX fraud department ). They said they were aware of the situation since there were other victim reported fraud to them. The scammer 's account is frozen ( XXXX XXXX acct # : XXXX ), and my case # : XXXX. They were asking me for a " hold of harmless letter '', I reported to my bank ( case # : XXXX XXXX ) asked my bank " bank of america '' for many many times to help me with the letter, but they refused. 

Now the case was solved by FBI, they caught 30 scammers all together and porsecuding them one by one. Victim Identification Number ( VIN ) XXXX ', here is the victim office contact : U.S. Department of Justice XXXX District of New York XXXX XXXX XXXX XXXX XXXX XXXX  , NY XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I just want someone can help me to have a hold of harmless letter and have the money back {$35000.00}.

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 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I was given a title loan of XXXX on a cash car that is valued at XXXX. The intrest rate, which was not discussed with me at the time I signed the loan is 400 % which makes the loan amount I must payback 3 times as much as the car. This is a subprime loan and they are trying to steal my car by proxy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Today I contacted quicken loans to ask them to waive my late payment due to my job not sending my first retirement check on time. ( Job stated that they were mailing my first retirement check on XX/XX/XXXX, but I did not receive it too XXXXXXXX XXXX,2019 ). I called quicken loans on XX/XX/XXXX, to let them know my payment would be late and I also asked for the late fee to be waived once the payment was made. The representative said that would not be a problem since I was never late. Well today a representative by the name of XXXX XXXX said once the payment was made they would not give me my late fee back. Now I have a problem with this company for making false or unclear statements to me earlier. All I am asking for is for this mortgage company to keep their word and return the XXXX late fee to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
I closed my credit card account with XXXX XXXX XXXX XXXX XXXX ( through Barclays ) on XX/XX/2019. I was told to pay the balance minus the annual fee ( which was due that cycle ). I did so. But for subsequent THREE billing cycles I have been billed for the annual fee on a card I cancelled. In addition, the credit card company is charging me late fees and interest on the card. I have called the credit card company repeatedly and spoken to Barclay representatives who, each time, have apologized and indicated to me that the charge for the annual fee ( and all subsequent late charges and interest ) would be immediately removed from my account, the account closed, and a report made to the credit monitoring agencies about the mistake so that it does not impact my otherwise excellent credit score. I just received yet another bill from Barclays with a credit for {$27.00} in late fees and {$1.00} in interest charges from the past two cycles BUT with the same annual fee charge and a new interest charge for " late payment '' on the annual fee. No matter how many times I call them about having canceled the card months ago, they keep billing me for the annual fee and reporting me as late to credit monitoring agencies and charging new interest on the " outstanding payment for the annual fee '' on a card I no longer use or own. Because all of my efforts have failed, I am now contacting the Consumer Financial Protection Bureau for assistance. I am especially worried about the ongoing impact this will have on my credit rating. Please help. 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 monetary relief
Consumer complaint received 2019-05-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine USDOE/XXXX  and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
XX/XX/2019 Employer contacted by XXXX XXXX using spoof phone number program detected. Informed us that there is a case number. Did not mentioned whom she worked phone, but this isn't the first time her company has contacted from phone number XXXX and XXXX. 

Continuous harassment about a fictitious case number. Contacted employer, relatives, and did not provide written statement as to facts of subject matter. XXXX XXXX avoided providing the name of the company she worked for and any information pertaining to the reason for the call. Just a case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine XXXX and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items 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 2019-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: MI

Complaint narrative:
After my first initial contact with XXXX I sent all my financial info and stuff that was required. XXXX knew I had a timetable of when I wanted to be out of my old apartment and she assured me that all was well while this is going on XXXX had me to pay for a home inspection, appraisal and under false pretenses had me pay an early car note that wouldn't even make a difference all the while stalling putting me off evasive behavior. To add injury to insult neither XXXX nor XXXX her supervisor made no attempt nor did they not care about having me sitting around waiting to hear great news and I find out from my realtor that I was denied. To this very day neither one of them have called to offer any APOLOGIES for what they put me through.

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 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I financed my home purchase with Quicken Loans and had my house payment jump XXXX XXXX dollars a month after first year due to 'unforeseen ' increases in their property taxes. The taxes doubled, this was a gross underestimate of taxes by Quicken and title company, I assume to make loan payments seem smaller when I purchased. Be aware or these so called experts who claim to be XXXX XXXX high rated lender, they don't care about you and they XXXX. Don't trust Quicken Loans/Rocket Mortgage to be in your best interest!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: DISCOVER BANK
State: OH

Complaint narrative:
Someone opened up a fraudulent Discover credit card in my name on XX/XX/17 the balance of the card is XXXX. I have called Discover sent them a copy of the police report along with a copy of my FTC report saying that it was a fraudulent account. They keep stating that they have information that matches my information of course they would have the information because someone stole my whole identity. Please help me resolve this problem. Thank You

Company response to consumer: Closed with non-monetary relief