vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX  XXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX  XXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northland Group Inc
State: TX

Complaint narrative:
I am a victim of identity theft by a family member, who is now dead. I have written several letters to XXXX about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to XXXX with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am coming to this bureau regarding a very serious concern of mine regarding my Toyota lease. In XX/XX/XXXX/XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX I was concerned as to why my credit dropped OVER a hundred points and noticed right away that Toyota Financial had reported me as a delinquent on my lease. I have been in contact with them a lot regarding renewing my lease and potentially acquiring a new vehicle and never once had they mentioned to me that I was overdue on a bill that was supposed to be on AUTOPAY. I have always used autopay and only in emergency situations when I travel do I request statements. In these months I had not been made aware that my autopay was not successful nor that the autopay was somehow disabled. As a result I have no way of seeing or obtaining a statement from them because this was on automatic servicing. I receive don e-mail, no mail at ty address and what is most shocking is that I received not ONE SINGLE phone call to warn me or protect me. I am so shocked and confused at this company and how they can repeatedly try to sell and re-sell cars to me and yet they can not even contact me regarding an autopay issue and a payment that was nearing its due date. I had gotten my payment in before my grace period as far as I was concerned and yet they still reported me 30 DAYS late. This is abuse of power and a terror to consumers! How can they be a financial institution and yet the sit there and wait until more than enough time has passed by so they can tarnish my credit, charge me astronomical interest and late fees and smile there way through our conversations about me being such a great customer that I qualify for a new car??? 

It is in their professional duty to inform consumers if there is an issue so that these horrible situations can be avoided. But it seems to me that Toyota Financial is the greediest and most deceptive company. I have called every possible phone  number in a an attempt to reach the dispute department but there is NO one there and no direct number and one can only communicate through their unprofessional and ill informed customer service agents situated in other countries who barely understand me. I have always been an excellent customer and these zero tolerance zero heart policies HAVE TO STOP! These companies constantly justify themselves and we as consumers feel and are absolutely powerless. How can they not understand a human situation and a electronic mishap? How can they not assume or believe or understand that mistakes happen and that they are NOT always right! I am going to pursue legal action for the damages done to me if someone does not help me. I implore your help on this website, please. I am running out of time and want to purchase a new car and can no longer. Also as a result of this my new interest will be out of this world high. This is unfair and not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST
State: OR

Complaint narrative:
I called to inquire about getting a Home Equity Line of Credit from bank of the west. My loan officer XXXX XXXX NMLSXXXX misquoted and mislead me into thinking I could borrow 80 percent LTV on my investment property HELOC. That was more than any other institution I had called. I decided to proceed with the application based on the 80 percent LTV. However after my credit score had been pulled he stated that the bank was in fact unable to loan that amount on my home based on the fact that it was an investment property. He changed the LTV from 80 percent to 65 percent which was an identical amount to every other bank I had shopped at. He mislead me and pulled my credit score under false pretenses and then had no solution to the problem. He even asked if I would like to continue with the loan

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 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FM

Complaint narrative:
I make a Deposit ( Check ) in my Bank of America Checking account, and them hold the amount for 12 days, and overdraw the account and charge {$35.00} per each transactions, I call them different time try to make the solution, but they don't do anything about it. Is ridiculous, because the found was take from the other bank the next day ( XXXX 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 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Cynthia Hitt Kent, LLC
State: NC

Complaint narrative:
I moved from XXXX to XXXX last year, and put my house for rental. This year, I receive a forwarded letter in XXXX, from XXXX XXXX XXXX, indicating the lack payment of the HOA fee. I called them immediately on XX/XX/XXXX to follow up with the case, and sent the check out after the call, for the 1st quarter and 2nd quarter. However, the check I sent to the company was not deposited and the company never gave any follow up. Instead, in this XXXX, they sent a demanding letter, and asked me to pay for HOA fee, late fee, and attorney demanding letter fee. 

Although on the call of XX/XX/XXXX, the agent from XXXX XXXX XXXX agreed to waive the late fee for the 1st quarter, I still sent the full payment for my 1st and 2nd quarter HOA fee with all the late fee they charged on my account. But they still asked me for the attorney fee. 

I do not think I should pay for the attorney fee, the demanding letter, because : XXXX XXXX XXXX is new for the community this year. This company did not inform me for the current rate and bill on time. From the beginning of the year to the time of the demanding letter, I only received 1 letter from them, and I also replied to them immediately by phone. For any issue, either potential non received payment or incorrect check amount, this company should contact me by different ways before sending me the demanding letter. Unfortunately, they did not. 

I did not hide in this entire process. Before their notification at the end of XXXX, I have already contacted the old management office to pay off my HOA fee but I got email from the old office, indicating they were not for the management of my property any more this year. On XX/XX/XXXX after receiving the notification from XXXX XXXX XXXX, I called the company. During the call, I got the account set up, and from that time on, they have my email address, correct living address, and phone number. Thus, they are supposed to send me email, letter or call to inform me for any issue, before using the demanding letter. 

In the conversation to the attorney regarding this case, they just said, I had to pay for the letter fee because I did not reply to them. They ignored the fact that I called them on XX/XX/XXXX. They ignored the fact, they did not send me bill on time. They also said, they tried to contact me before sending me the demanding letter. However, when I asked them for details, such as time, date, for some phone call history record, they could not provide any. 

My Case : XXXX My Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
XXXX XXXX in XXXX, XXXX, said they could help me reduce my mortgage payment considerably, lowering the interest rate and possibly eliminating behind payments via a Loan Modification. For over a year, their promises of assistance were wavering. They had me to file what they said would be " fake '' bankruptcies, and they would only be on my credit for two or three weeks. Definitely, this was false. I paid them {$4000.00} and they totally mislead me. 

I tried to contact them several times and discovered they were out of business. They scammed ppmany people out of thousands of dollars. ( XXXX XXXX-ADDRESS IS AT THE BOTTOM OF THE PAGE ) ______________________________________________________ Rushmore Loan Management Services XXXX XXXX XXXX, XXXX XXXX RLMS is charging exorbitant interest on the home loan, which was supposed to be a Loan modification. ( {$150.00} for the principal and {$1200.00} for interest. I am a retired XXXX on a very strict budget, and I am also a widow. I need a reduction in my mortgage payment. 
_____________________________________________________________ XXXX XXXX, Director XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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 — Problem with personal statement of dispute
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I went through a loan modification process that took this company 1 year and a 1/2 to resolved when they finally came through saying I was approved for the loan modification they informed me on a telephone call that I've made to them on XX/XX/XXXX, however they stated the loan modification was  approved back on XX/XX/XXXX, I did not received any notices on the mail or phone calls or perhaps an e-mail stating this was already approved not to mention a placed phone calls to this company at least twice a month to check the status of the loan modification every month since the process started, I did not know where the payments I was making ( every month ) where going to and that's why the phone calls on my part took place, they just kept saying to keep making the trial payments and they'll informed me when it was approved!! so it was very shocking to me to find out the way I found out since I was making calls every month and since it was back from XX/XX/XXXX to XX/XX/XXXX, then this company told me the same day this happened ... " by the way you are behind a month '' even tough I was making ( trial payments every month ) when I asked the representative she told me that she did not know how this could of happened but she said I am going to help you she replied then she said to make payments with a little extra money for 3 months and the " late payment '' was not going to take effect on my credit since it was a mistake on their part. Well to my surprise they have been reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX being 30 days late, not " XX/XX/XXXX '' wonder why? and also reporting XX/XX/XXXX and being late 180 days, this has created a serious issue with my credit report and score and I want this company to be fair and removed what they did wrong in the first place I've send them dispute letters and there is no response, I asked for copies of signed documents for the modification and a copy of the approval letter of the modification with dates so I know when it was sent to my residence which has been the same for the last 5 years and it is the same house I'm paying the mortgage with this company and they failed to do so, when I call they send me to a loss mitigation dept which never answers and they have not been able to provide me with the modification documents I need to make a case against this company with my lawyer probably because they don't even have them I want to remove all late payments from my credit history with all credit bureaus ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) companies like this should not be able to get away with destroying peoples financial lifes because of their inability to do their job correctly and fairly ... I want my financial life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check into my checking account that I received for doing work from a company, my bank sent it back stating that it was Alter/Fict and did not honor the check 3 day 's later I called the Bank in which it came out of and the clarified that it was from the bank their was a bank account but they couldn't give me information on another persons account but that it was a business. I asked chase fraud department if they were going to go after the company and since they froze not only my account but both mine and also my two children 's accounts also can they help get the funds for the check they said it was my problem to go after them I would have to do that, finally after a week of talking to people I at least got my two kids money out of their accounts but they did take {$6.00} from my one son 's account that was his and close it. and they closed my daughters upon her taking her money out. they put a overdraft fee on my account along with the amount of the check of {$1900.00} and they added a fee for {$12.00} to it now I get calls for collection of the account to pay it and a closed savings account in which is all fees for either {$5.00} transfer fee or a {$5.00} service fee on it nothing of which I owe. I also have called multiple times to the cooperate office for help to the XXXX XXXX XXXX for help with the check and to chase fraud and have gotten no where so I am coming to you since this started when I deposited the check on XX/XX/XXXX and it is now XX/XX/XXXX and I am still out my pay for the work and I have a checking account stating I owe money at chase frozen closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I submitted a request for PRO COLLECT or XXXX XXXX XXXX to validate a alleged debt, what I received was a lease from 2005 in which I signed a lease with XXXXXXXX XXXX XXXX XXXX PRO COLLECT nor XXXX XXXX can not with 100 % certainty produce any documentation where I signed a lease agreement either entity. I am getting the law directly from your policy FCRA 609. If original debt can not be verified it has to be removed.. This law requires every company that reports credit events -- not just the original creditor companies -- to be able to produce verifiable proof of the negative event. It holds the credit reporting agencies accountable for the negative information they pass on. This is obviously related to the right of debtors to challenge the accuracy of negative events reported on them. The intent of the government was to protect debtors from having inaccurate information used against them .... I hope this can be resolved without me seeking legal representation and me calling the local news to advise them that my rights are being neglected/overlooked by the agency that has sworn to protect 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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 Capital One is reporting inquiries onnthese dates that I have no recognition of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: PA

Complaint narrative:
In XX/XX/2017 as part of a divorce I was required to ( if possible ) assume the mortgage on the marital home which was being held by Plaza Home Mortgage Inc. We reached out to Plaza and asked them is the mortgage was assumable to which they replied that it was and sent paperwork to be completed to start the process. I sent in the required paperwork that they sent to me, sent in all of my XXXX XXXX, bank statements, proof of income ect. Over the next 8 months they continued to send me more paperwork, sometimes two or three duplicates of what I already filled out an sent to them. After calling them on the phone to fine out what was asking so long for the assumption they told me I had to send them a check for the fee 's and closing costs for the assumption and once I did that it would be about 30 days until it was complete. 

After sending the payment ( and them cashing it ) and after the 30 days had passed I once again called Plaza to see if it was all done. They then informed me that mortgage had ben SOLD to XXXX XXXX  that very day and that the assumption would go through XXXX NOT Plaza. They gave me the new account number for XXXX which I called. XXXX had ZERO record of any assumption process and not only that, informed me that the original loan was NON assumable and that Plaza would have know it was non assumable. 

So now, 10 months later I am out all the money I paid to Plaza for the assumption and I now have to purchase the house from my ex spouse at over a full percentage interest rate than was to have been given with the assumption. I also have to pay closing costs, transfer fee 's, taxes and such. 

Plaza KNEW this mortgage was not assumable yet wasted both my time and my money. Taking money from me for closing costs on a non-existent assumed mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: IL

Complaint narrative:
I notified the Debt Collector that their services were no longer needed, and I would prefer to settle with the original creditor. I also wanted them to send verification that the debt was valid. 

Sent certified letters on XX/XX/XXXX, XX/XX/XXXX. Have received another letter from them dated XX/XX/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