vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
In XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. I contacted the company XXXX XXXX XXXX XXXX and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

In response I received the statement attached from XXXX XXXX along with details of the sale of this account to XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX, I re addressed a copy of my letter sent to XXXX XXXX  and mailed it delivery certification ( see attached ) on XXXX XX/XX/2018. 

I have not received a reply. It is over the 30 days time frame and out of compliance. Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
I would like KeyBank to return the bank fees they have caused my family an erratic amount of stress. We can not even buy food. 
The fees as of this morning are XXXX $ That is in fees alone. It is unheard of and unjust. 
That doesnt even include the disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2018 at XXXX I was paying for a purchase at Kohl 's department store in XXXX  , AZ . I handed the cashier a Friends & Family coupon for 20 % off and she immediately began asking me for personal information ( address, DOB, SSN ). I asked her if all of that information was really necessary for the coupon and she said " Yes ''.

Then she told me that I was denied. I asked her if that meant I couldn't use the coupon, and she said that I was denied for a charge card, but could still use my coupon. When I told her I didn't want a charge card and did not give her permission to pull my credit, she just handed me my receipt and went on to the next person. 
When I got home, I called the store and spoke to a manager who apologized and gave me the phone number to the credit department to have the inquiry removed from my credit report. I called the number XXXX and they were unable to help me since an account was not established. They referred me back to the store to dispute the credit inquiry - the store referred me back to the credit department. This is a violation of both UDAAP and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX company, continues to report to the credit bureas although the account I had with them is over 10 years old. the Account is to old to be on my report and it should be removed. I have filed numerous complaints. and it still shows up.

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 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A loan was taken out with Bank of America in XXXX for a conventional loan. The loan was financed with 5 % down which incurred a monthly private mortgage insurance ( PMI ) fee. This loan was subsequently sold to XXXX XXXX making XXXX XXXX the loan holder. In XXXX, as the property value had increased, and the loan was paid down, an appraisal was made by a lender approved appraisal company, XXXX XXXX, indicating that the current loan to value ratio was at 79 %. Since XXXX XXXX indicates that they would remove PMI when the LTV is less than 80 % the PMI at that point should have been removed. Bank of America which no longer owns the loans should not be allowed to charge a PMI when XXXX XXXX does not charge it. The Homeowner Protection Act indicates that the law was intended to protect against Excessive PMI coverage that provides little extra protection for a lender and does not benefit the borrower. By setting an arbitrary requirement below what the loan holder, XXXX XXXX, is requesting, Bank of America is violating the spirit of the law. Anything in excess of this requirement would be considered Unearned Premium. Bank of America is insuring a product that they do not own, and this is costing the borrower thousands of dollars with no benefit. 

Bank of America also states that a request to remove the PMI can be made when LTV is under 80 %. This becomes a moot statement if the request can be denied even when the assessed LTV is under 80 %. Bank of America should not be allowed to set limits below LTV limits below what is required by law.

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 2018-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX Con star financial services, LLC Last XX/XX/2018 I had a motorcycle repossessed.voulentary. XXXX XXXX XXXX XXXX sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with XXXX XXXX I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from constar financial services LLC a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX XXXX for XXXX XXXX that XXXX XXXX claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury would agree. With me, after seeing the breakdown of the bill, that I owe 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 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AZ

Complaint narrative:
This company is reporting unfair, and unverifiable information on my credit report, they are stating that I'm in a term monthly with this company. I have rented two property with this company I stayed in Both homes for 1 year only this company unfairly did not returned my security deposit of over XXXX for XXXX XXXX and XXXX for the other home. this company has yet to provide me or prove to me that I owe the sum amount of XXXX for one home and XXXX for only staying there one year in each property. I have contact XXXX  and XXXX to ask them to remove these derogatory remarks on my credit report as it is hindering my credit. There response from the credit Bureau is that the information meets requirement of the fair credit reporting act ). However I still have not been provided any proof after sending several letters asking for this information. I have enclosed some move out pictures from both residents

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
After dismissing an adversary proceeding XX/XX/XXXX, I was told by attorneys including XXXX attorney that they would work with me regarding paying back loan. I am currently unemployed. XXXX only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and XXXX said nothing else was available. My loans went back to Citizens Bank the original lender. XX/XX/18 Citizens offered forbearance but the form had to be mailed to me. XX/XX/XXXX XXXX XXXX from Citizens put account on hold waiting for forbearance. I filled out the form and faxed it to XXXX on XX/XX/XXXXas I was advised to and was told again by XXXX that forbearance was not available. XX/XX/18 received letter from XXXX that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by XXXX even though they escalate the call. I was told by XXXX that Citizens bank  didn't know that I had no options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: TX

Complaint narrative:
After dismissing an adversary proceeding XX/XX/XXXX, I was told by attorneys including XXXX attorney that they would work with me regarding paying back loan. I am currently unemployed. XXXX only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and XXXX said nothing else was available. My loans went back to XXXX XXXX the original lender. XX/XX/18 XXXX offered forbearance but the form had to be mailed to me. XXXX XXXX XXXX from XXXX put account on hold waiting for forbearance. I filled out the form and faxed it to XXXX on XXXX as I was advised to and was told again by XXXX that forbearance was not available. XX/XX/18 received letter from XXXX that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by XXXX even though they escalate the call. I was told by XXXX that XXXX XXXX   didn't know that I had no options available.

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 2018-07-30 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: DISCOVER BANK
State: NV

Complaint narrative:
I'm being accused for something that I didn't make so discover is pointing fingers at me and I want the world to see this comment. because what the point for anyone to sign up with discover and then they go behind you and stab you on the back after signing up with them!!! we made see their adveristment and then start making purchase month after month so we can earn our points then all of a sudden they will accused you if your card have gotten stolen ... 

you are not 100 % cover by discover, you are 100 % being fool by them so they can steal your money .... 

I serve my country and i can't believe the people that i'm protecting. 

they are accusing me for these transaction 1 ) XX/XX/2018 ... ... XXXX {$250.00} ( XXXX   ) 2 ) XX/XX/2018 ... ... XXXX {$270.00} ( XXXX XXXX ) 3 ) XX/XX/2018 ... XXXX {$14.00} ( XXXX  ) make a wise choice and realized that discover is a horrible customer  service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have been an American Express Platinum  Delta SkyMiles card user for 15+ years with an average card spend of $ XXXX/year while paying the $ XXXX/year annual membership fee. Yet Amex did not treat me fairly or equitably. 

I always pay off my entire balance each month and in all these years, I had never had a late payment! Never that is, until about 7 months ago when I decided to sign up for eBills ( Autopay ) service via XXXX XXXX. When I first signed up, eBills failed due to which I had my first late payment ever with Amex in 15+ years as a platinum  customer. At that time, when I called customer service, Amex DID reverse my late fee and interest accrued ( about {$150.00} ), for the first time EVER on my account. 

After that first mishap, eBills seemed to work well and everything was good with paying off the card automatically each month. However, I noticed today, while scanning charges on my Amex card after a recent trip, that I had accrued serious interest charges which I should not have given that I pay the balance off in full each month. 

Turns out, XXXX XXXX does not consider Saturday a business day ( which is the case with most banks ) but Amex DOES consider it a business day, at least for the purposes of payment due dates and penalties. My eBills was setup to send payment 2 business days prior to the due date for each of my credit cards, because that is how long it takes XXXX XXXX to process the bill pay. For the XXXX Amex payment however, the due date fell on a Saturday ( XX/XX/XXXX ), so when XXXX XXXX auto paid on Thursday ( XX/XX/XXXX ), Amex did not receive it until Monday ( XX/XX/XXXX ). Since XXXX XXXX does not consider Saturday or Sunday a business day, the payment was not delivered to Amex until the next business day which was Monday ( XX/XX/XXXX ). 

This resulted in Amex charging me $ 590+ in accrued interest and late fees. Of course I called them. But despite speaking with several managers, they REFUSED to reverse anything because they had reversed the charges for the only other instance when I had been late, mentioned above, in XX/XX/XXXX!! 

After all these years as a premium customer with never a late payment, that Amex has made tons of money off of via transaction fees and annual membership fees, this is where we are. I have an excellent payment track record that spans years and based on the proof of payment from XXXX XXXX for the bill pay, this was clearly not intentional or a delay tactic. Amex is not acting in good faith!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On or around XX/XX/XXXX, I received a bill from Navient stating I owed payment for a student loan that I started paying in XXXX and final payment around XX/XX/XXXX. When I called Navient, they claim they just bought the loan back ( I was not notified that they ever Didn't own it ). They claimed they had absolutely no record of any payments maid for this loan. They advised I would have to provide a letter from them stating the loan was paid in full. I did not receive any such letter. The website showed what the final payment was and I paid it. They claim they would not have any record of sending this letter because they just bought the loan back and this is the amount outstanding. Originally the lender was Sallie Mae, and then Navient. I believe federal law requires such records be kept of payments made. They refuse to provide any documentation or information beyond XX/XX/XXXX. As I stated earlier I started repaying the loan upon my graduation in XXXX. They must have some record of payments. I don't want to keep getting told I owe more because the loan was sold. They should be able to provide information on all those payments I made on a monthly basis beginning back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Siwell Inc
State: TX

Complaint narrative:
So i applied for a morgage loan and the loan officer named XXXX was not very good with communication. Ive never met her she did everything through emails. I had to call several times till i finally got to speak with her over the phone. She wouldnt give me details of what was going on with my loan. I didnt know if i appproved or if i didnt and she told me about three different loans sonot sure which one she got me. I repetedly asked her about closing cost and told her i need to know cz i dnt have that kind of money if it was to high. She said it would be about 4500 or less them she drew up a conyract and said i needed XXXX XXXX for closing then it changed on another email said i needed XXXX, XXXX and i told her i didnt have that kind of money but i would try my best to get it and how long i had .she said not till XX/XX/XXXX and i said ok good. I sold everything i had that meant allot to me and i call her three weeks later and she emails me and sais she canceled it but then again never spoke to me about it ever ... im left with nothing ... this was suppose to be a first time good oppurtunity fo my family and a furst time home buyer and i feel like i was treated unfairly and completely cluless to it all of what was going on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
In XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. I contacted the company Diversified Consultants and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

I have not received a reply from this company and it is over 30 days and they are now out of compliance. Under advise, I wish to informed Diversified Consultants that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was scammed by a person that was supposed to help me pay my credit card off. He gave me this bank account information and told me which amounts to take and pay off my card. The first payment he had me pull from the account was {$3700.00}. The second payment was {$1000.00}. He wanted me to buy 10 XXXX gift cards with the last payment that was posted on my account. When I questioned him, he got angry and told me he also needed steam cards and a cash advance. A couple of days later the payment was reversed. I told him Chase could not find the funds. He called Chase a liar. I called my bank, Chase, to tell them that I got scammed and that the payment may not go through and wanted to cancel the payment. The call was placed on XX/XX/18 around XXXX. The rep stated she would note the account and I would only have to pay a reversal payment fee. The rep did not note the account but there is evidence of the call and she was looking at my account at that time. My Chase Freedom credit card got closed XX/XX/2018. I have talked to three reps at Chase since and they all told it that I was committing fraud and I could not get my card reinstated. I have emails and text messages as proof. If I was a criminal, I wouldn't be in debt. The scammer 's bank account is with XXXX XXXX. I looked online and I am not his only victim. Apparently, they are located in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: CT

Complaint narrative:
Harley Davidson credit Corp XXXX XXXX XXXX XXXX, XXXX Last XX/XX/2018 I had a motorcycle repossessed.voulentary. Harley Davidson financial Corp sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with Harley Davidson I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from XXXX XXXX XXXX XXXX a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX dollar for XXXX dollar that Harley Davidson claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury  would agree. With me, after seeing the breakdown of the bill, that I owe XXXX

Company response to consumer: Closed with explanation