vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been getting calls everyday since the end of last year stating they were a legal firm in my maiden name XXXX XXXX. My first call came from a XXXX XXXX on XX/XX/XXXX. After I got one call, they proceeded to call my family members. They started calling me, and on the same day of XX/XX/XXXX at XXXX. They stated their name is XXXX XXXX, stating that they were putting a judgement on me and would have legal documents for me to sign. They proceeded to call my sister with the same message. I asked that he would stop calling my family members. I asked for the name of their company, and they didn't give me a name of a company except that they were a legal company. I asked that he would send me proof that I owe anything, he stated that he doesn't have anything to send me because he was about to put the judgement in for me. I proceeded to tell him that I would pay or work on anything until I got paperwork showing proof. He told me again that he couldn't. I told him that I would contact 5/3rd bank myself to find out exactly what I owed. He gave me a number, however that was not the correct number. I ended up calling the bank, and they stated that it was collections. Which they gave me a phone number, which they told me they couldn't find an account for me. When I talked to him again, he stated that he was able to find my family members info by searching my social online. I stated that was against the law, and he said that is what they did. Since then, they have called my dad which my dad hung up because the gentleman was rude and had no information for him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My regular monthly Mortgage payment is {$1500.00}. 

1. 
On XX/XX/2018 I made my Regular monthly payment of {$1500.00} for the Month of XX/XX/2018. 
Along with that I made additional Payment of {$3500.00} towards my principal. 
The Company did not credit the additional payment of {$3500.00} to my account. Instead they transferred to Unapplied Funds. 

2. Similarly, I made my Regular payment of {$1500.00} on XX/XX/2018 towards my XXXX Payment. The Company did not credit this amount also to my account and transferred to Unapplied Funds Thus, my Total {$5000.00} has been sitting in Unapplied Funds without being credited towards my Mortgage Loan. They keep charging me interest on this amount. 

I called them twice before and also sent an email on XX/XX/2018,  but till today, this has not been settled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received XXXX American Express Reward cards in fall of XXXX. The cards have an expiration date of XX/XX/XXXX. I went to use these cards in XX/XX/XXXX, thinking they were still good for 3 years. I shocked to see one card had a XXXX balance and a second card had a balance {$81.00} lower than it should be. While I was reading the fine print on the back of the card it said a {$3.00} service charge would be implemented after 6 months. 

That is wrong! If the card was devalued after six months, the expiration should have been six months. I called and spoke to offshore people with English as a 2nd language who explained that they would not refund my fees. I asked for a manager who also refused to do anything, and said I should have read the terms and conditions In my opinion, this is theft. No one reads the pages of small print that come with a gift card. I can't believe XXXX and American Express would associate their names with this type of business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank was notified my account was " hacked '' or " hijacked '' after it was paid in full. I sent them a " fraud affidavit '' showing that my email was hacked and my discover card which I thought I had paid off was also hacked and used by unknown criminals to ring up charges. I informed them of these facts, yet they have filed a bogus lawsuit against me in XXXX XXXX County, Texas for a debt I did not incur. They refuse to release the case and go after the proper parties. My wife, who herself had a discover account, even made a payment on this hijacked account believing it to be hers, but it turns out it was my account and it was from charges incurred from identity theft. Discover Bank has not acted in good faith, they are abusive, corrupt and have hired an unethical outside law firm that files dozens and dozens of boilerplate lawsuits hoping to collect default judgments. I have answered the case and provided the court evidence through my answer of the fraud, yet they continue abusive collection tactics for an account in which I did not incur any debt. Discover card has sued the wrong person, myself who also happens to be a XXXX XXXX  veteran and victim of identity theft. Discover Bank is corrupt and should be investigated for their illegal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 XXXX XXXX account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd XXXX XXXX account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is citi, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a Bank of America Visa Reward Card from XXXX for {$5.00}. I went to use it and the people at XXXX told me it had expired 5 days earlier. I called the number on the back of the card and Bank of America told me the card had expired. I asked them to reactivate it and they said it would be easier to mail it to me if I liked. I said great and was very happy that it would be so easy to fix. I waited 8 weeks and no check so I called Bank of America again. They said the account was closed. I said yes but I never got my {$5.00}. They said yes we charge {$5.00} to send the check. I said, the first time I called the lady didn't say there would be any charge or I would have had her reactivate the card to get the {$5.00}. I spent 20 minutes on the phone with Bank of America and all they told me was cut up the card. I asked if it had {$5.00} they would send me a penny? She said yes. I asked if it had {$4.00} on it I would owe them a dollar. She didn't know what to say. I feel like Bank of America is stealing small account amounts and should be held to account for it.

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 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I deposited a check with Bank of America using their mobile app. ( XX/XX/2019 ) My check is now being held hostage until XX/XX/2019. I have never had any negative issues with my account as it has always been in good standing. This two week hold, which I've deposited many, many, many checks and have had direct deposit for quite some time will now cause a slew of financial burdens for my family and I. I do not have funds for paying my bills which I now will default on 4 of my credit card payments, possibly my rent and I have XXXX small children that are relying on these fundamental my husband works hard for. In my 20 years of banking I have never seen such a thing. Please I ask for you 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 explanation
Consumer complaint received 2019-01-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Trans Union in reference to XXXX. I did part of it online and because I had to gather up and make copies ofsome many documents, ( 45 in total ). I spoke with one of the reps over the phone and said that I will be mailing documents in reference to XXXX because they had inaccurate information. On XX/XX/XXXX, I managed to get all my documents together, made additional copies, numbered the pages, provided enclosures before mailing them from the post office from XXXX XXXX XXXX, XXXX XXXX NY because that was the closest place at an XXXX  's office that I work on Thursday from XXXX to XXXX as an independent XXXX. I mailed it to the correct address : Trans Union Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX My file number for this dispute is : XXXX The customer rep claimed that they closed this dispute on XX/XX/XXXX. They should have received this dispute by Saturday, XX/XX/XXXX. 
Originally, the investigation was to end on XX/XX/XXXX. I provided my documents within enough time for them to review them. However, the inaccurate in regards to XXXX still remains on my Trans Union 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 2019-01-15 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: MD

Complaint narrative:
I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.

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 2019-01-15 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: MD

Complaint narrative:
I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 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: MD

Complaint narrative:
I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.

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 2019-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
The bank 's security department has frozen my online access and is demanding some very unusually technical steps on my part to restore service. I can not access my checking or savings online or use bill pay. This decision is being implemented and rendered by a back office in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I have been having issues with completing the short sale process for my property to relieve myself from the debt and settle what i owe with the lender Specialized Loan Servicing. I followed all their guidelines and steps involving the short sale process and had the auction of my home delayed in order to ensure that i would be able to complete a short sale and get my life back on track. With the help of my realtor we got a buyer to put an offer in which we submitted to them. Around the end of XX/XX/XXXX they agreed to review my short sale and sent out an appraiser to get the value of the house. Their value came back higher than our buyers offer of XXXX. Despite their lower value, they told us they were looking to get XXXX. We immediately went back on the market to look for that value. We were able to get the original buyer to come up to meet their counter, and when we did they refused to review it as they had set an auction date and claimed we did not have enough time to submit it for a review. They claimed they had issues getting into the property a second time which caused some delays in them getting another value, but we never received a call from any appraiser. They finally sent someone on XX/XX/XXXX and my realtor had to meet them out there to make sure they would get in. At this point another auction date was scheduled for XX/XX/XXXX so we were still on a time crunch. They got their value back at the same as it was previously XX/XX/XXXX and asked us to wait til after the holidays for an approval. After the holidays we were told that they were looking to NET XXXX even though their valuation of the property came back at XXXX and said their investor would no longer look at a short sale. I have put a lot of effort into this short sale only for it to be shut down because SLS 's negligence and inability to follow through with the process. Their inconsistency leads me to believe that they never actually entertained our offer, and put us through this process for no reason.

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 2019-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: WI

Complaint narrative:
To Whom It May Concern, On XX/XX/19 I received a letter from Radius Global Solutions, a collection agency in XXXX, FL, on behalf of XXXX XXXX XXXX. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to Radius on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through XXXX to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from XXXX stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit. 

On Saturday XX/XX/19 late evening I received a notification that XXXX had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called Radius on XX/XX/19 to find out what as going on and they indicated that this was coming directly from XXXX. After calling XXXX to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get XXXX to remove this from my credit report as the debt was never validated and now they are screwing up my score. 

I would like to make it very clear that RADIUS GLOBAL has been great to work with. My issue is only with XXXX XXXX XXXX XXXX! 

Best regards, XXXX XXXX XXXX XXXX Radius Global Solutions Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax refuse to provide proof of a company having factual information to pull my credit. i reached out to the company and they sent me a letter to have it removed but equifax refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: GA

Complaint narrative:
I was advised you guys can help me with a bankruptcy thats on my experian credit. I dont know where that came from because I have never filed bankruptcy and never had a need to. Can someone please help me with this.

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 2019-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EXCEL FINANCE COMPANY
State: LA

Complaint narrative:
The end of XX/XX/XXXX not sure of exact date the manager of Excel finance in XXXX XXXX Louisiana called my job every five minutes harassing me about payment.my manager got mad and told me the personal calls needed to stop.one hour later I'm working and the manager of Excel came into my job and began to talk about my account in front of everyone walking around customers and other employees.she began to tell me if I didn't pay her today she would have to go forth with suit and if I was embarrassed by her showing up on my job just wait until the XXXX 's serve me on my job.i was so humiliated and embarrassed people were looking at me and hearing all of my business my manager later came to me after she left and told me had he not felt so bad about my situation I would have been fired because my personal business should not be conflicting with my job.she almost cost me my job.they are still calling me on my job after repeated requests to not call anymore.i do not want to be contacted by them anymore.they have harassed me and violated my rights.i called the corporate office to report the issue and the lady said she would send the information to the supervisor and I asked will I get a call back and she said for what.what are you trying to achieve. I said my rights were violated do you not understand the severity of this your company violated my rights and you can be sued so no one 's going to call me back to deal with this issue or talk to me about this issue she began to say for what I told her okay well I'm going to go ahead and file my complaint she said it's your right do what you need to do I will give you the number and everything you need to file your complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore states that the payoff was good until XX/XX/2018 and had it been received the sale would have been rescinded. They continually skirt these complaints with half answers. THEY PICK AND CHOOSE WHAT THEY WANT TO ANSWER!!! 

THE PAYOFF LETTER WAS MAILED TO ME ON XX/XX/2018 I DID NOT RECEIVE IT UNTIL AFTER THE SALE??? SO PLEASE INSTEAD OF AVOIDING THIS QUESTION TELL ME HOW I WAS TO PAY IT OFF IF I HAD NO FIGURES UNTIL AFTER THE SALE THE FORECLOSURE SALE DEED SAYS {$100.00} IF THE HOUSE WAS NOT SOLD FOR {$100.00} WHY DOES THE DEED SAY {$100.00} RUSHMORE CONTINUALLY IGNORES THE PROOF OF NON SERVICE WITH DOCUMENTED PROOF OF DIFFERENT ADDRESS THEY KEEP ATTACHING PROOF OF SERVICE TO INCORRECT ADDRESS THOSE ARE JUST A FEW OF THE ILLEGAL ACTIONS IN THIS FORECLOSURE CFPB IS SUPPOSED TO PROTECT THE CONSUMERS HOW DOES THAT OCCUR WHEN YOU ALLOW THEM TO JUST SKIRT ANSWERS AND NOT EXPLAIN THE REAL QUESTIONS

Company response to consumer: Closed with explanation