vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
My mortgage was sold to Flagstar for servicing. The date of the first notice I received was the XXXX statement. 

I found out in trying to pay online via my old Servicer, XXXX, that my mortgage was sold. I was on vacation in XXXX XXXX I called and spoke to customer service and I was assured by them that my RESPA period is protected per FCRA, but they reported a Late Payment during the protected RESPA period in violation of my rights. The protection is in place for a reason! I did not have access to online banking and did not know my new account number, etc. 

Once I established online banking access, inaccurate amounts owed showing on online banking access. It appeared like I had missed 3 month 's payments but when I spoke to customer service, they gave me opposing information, and they were confused too. They " guessed '' that the following months ' payment due was also showing as late, in error. 

My rights were not protected during RESPA period! Worse than their erroneous and inaccurate info and reporting, I started getting threatening communication from Flagstar mortgage without regard to the RESPA Service Transfer period.

I spoke with a Service Rep names XXXX, and she indicated Flagstar would write to me regarding my complaint. To this date I have received ZERO communication back from Flagstar. My case number with Flagstar is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
I had a loan with XXXX XXXX and after trying to work with them in 2017 to see what I could do to make payments since I couldnt afford them. I was told to apply for a forbearance or deferment right away without getting the option to see about an income driven repayment plan. Not only was I not aware of this but I was told I needed to pay {$50.00} dollars to be put into a forberence state which I couldnt afford to pay since I was living paycheck to paycheck just trying to survive. After all this happened, I stopped answering there phone calls for a short time to reset my thoughts and see about options. The very next time I communicated with them. They were rude, disrespectful and wouldnt let me talk without them talking over me. At the end of the phone call. I told them to stop calling me and to leave me alone. No sooner then the very next day, I started getting phone calls from them day after day after day. I answered quit a few times and told them to stop calling me especially since I was at work the majority of the time but still had no luck. The very last time they called me, I recieved a letter in the mail a couple days later saying they sold my loan to another company. My loan at the time with XXXX XXXX was around 5,800 dollars. By the end of everything when the loan sold, its over 8,000 now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
first of all i am NOT a career disputer if i dispute its because i have been wronged and i protect my rights I dont want any scripts in the answers here. I have been an american express customer a long time. I bought tickets to go to XXXX with daughter with this card. I have disputed the purcchase because there was a problem with security at the theater and i missed most of the show and as such preserved my tickets so i can get a refund or another show. They cotninue XXXX  to send their policies despite me disputing this twice now they keep sending their policies. which in no way address the fact that due to a local issue at the theater i was prevented from seeing the show. I want my money back and refuse to pay this. Twice now i have disputed this on my every day card and twice now its been closed in their favor. NOT handled right very frustrating. refund or i am done here. and i still wont pay it not for a show i missed due to security issue not my fault. Policies and procedures cant violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My earlier complaint was satisfied by Bank America. The complaint was filed on XX/XX/XXXX, complaint # XXXX. There was fraud in my son 's checking account. After our complaint was filed, the money that was withdrawn from our accounts was returned. We were satisfied, and maintained our Bank America ( BOA ) accounts. To our surprise BOA apparently revisited the issue just this past month, and claimed my son was responsible for the fraud, & then raided it of all funds and closed the account, which is held jointly with me. The account without any warning was suddenly closed on XX/XX/XXXX. When we called they told it was because of the earlier fraud and that the money needs to returned. Bank America than raided my personal account, and took an additional {$770.00} out of my account. All this was done without explanation. I'm attaching a pdf of the XX/XX/XXXX letters, announcing the closing of the account and the withdrawal of funds from my account. The letters do not explain the reason for why the money was taken out, or the reason for the closing of our joint account. I've called Bank America numerous times. One representative promised that he would investigate, and would get back to me. But that was two weeks ago. When I call I get transferred from one BOA division to the next. I've wasted a lot of time on the phone repeatedly telling one representative after another the past and the present. No one is able to explain. They seem unaware of their earlier letter recognizing that my son was a victim and not responsible for the fraudulent check deposited into his account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a card with Wells Fargo financial. I am attempting to pay my bill online and by phone. I do not csrry a balance, but I have a {$35.00} dollar annual fee that is due tomorrow, XX/XX/2019, but I am unable to make a payment online or on the phone because the system is not operational. The web site says there is a problem with my account and to contact them at XXXX. When I call the number, an automated message says " Wells Fargo Financial '', music plays for several seconds, and the phone is disconnected. I get identical behavior when I try the XXXX number listed on the bill.

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 2019-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P.
State: ME

Complaint narrative:
I received a letter about debt from credit protection association l.p I  had already once told them I disputed the amount with original creditor. They said if I didnt set up an arrangement it would go to my credit an ruin it. Im on XXXX I explained just had a XXXX they would not budge and said 5 monthly payments of XXXX I said I cant afford this right now an I had the choice to refuse or ruin credit. I put XXXX down and my next payment was due XX/XX/XXXX I had credit card fraud and my card was closed completely forgetting about this I never got a letter nor was I 30 days late they sent it to the credit bureaus. I called them XX/XX/XXXX to ask them to remove this and I would pay in full they refused to help I said Id seek legal advice or help they then said your account is closed no contract and we are giving it back to the original creditors. I called back to speak to a supervisor stating if they would not work with me its not fair to have on my report where I cant fix it do to their refusal to speak or have anything further to do with this they kept speaking over me and hung up. I filed a complaint heres my confirmation with you guys XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I ordered an XXXX from XXXX XXXX XXXX. This was an XXXX XXXX. XXXX XXXX XXXX over the course of a month could not get the phone set up properly : They could not get it to adequately connect to their network, they could not get Voice Mail to work. They had me go to XXXX and get a different phone and still they could not get it to work properly : I had been an XXXX XXXX XXXX  customer for over 15 years at that point. 

I attempted to return the phone to XXXX XXXX XXXX directly ( twice ). I canceled my account with them and went on to XXXX. 

XXXX XXXX XXXX is attempting to collect a debt for service, merchandise, and product support that they did not provide. I attempted to resolve this with XXXX XXXX XXXX three different times and even offered to restart service. XXXX XXXX XXXX could not even make that happen. 

They attempted to collect on this previously. It was removed from my credit reports as it was not a valid debt by the debt collection company. 

I do not owe money : They could not keep to their Service Level Agreement, and I discontinued my patronage of their business. 

The debt they are attempting to collect is not owed and is an issue that is now nearly three years old.

I even kept the new phone in it's packaging for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: LA

Complaint narrative:
I traded the XXXX XXXX XXXX that was being finance with XXXX XXXX XXXX on XX/XX/XXXX. The pay-off amount of {$28000.00} has been received by XXXX  which " {$0.00} '' my account out. They are showing a payment for {$XXXX} for the date that my old loan would have been due XX/XX/XXXX. 
Due to the fact they have been paid and received the told pay-off, this account should completely close and zero out!

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 2019-02-09 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: OH

Complaint narrative:
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have an account reporting on my credit that I did not apply for. I do not recognize nor do I know how this was originally initiated. The account status is currently showing derogatory in the remarks. The info pertaining to this account does not match any past/ current addresses I've lived, which led me to believe someone obtained my personal information to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC Bank USA, N.A. had a " Get {$350.00} with this exclusive offer. A special invitation for HSBC Advance. I would receive {$350.00} by depositing a minimum balance of {$10000.00} and maintain at least the qualifying minimum balance for 90-calendar days. For example, I open a HSBC ADVANCE CHECKING account on XX/XX/XXXX. By XX/XX/XXXX, I should receive a {$350.00} Welcome Deposit into my new HSBC Advance Checking Account approximately eight ( 8 ) weeks after completing the requirements.

Opened account with XXXX XXXX XXXX, Personal Banker at HSBC Bank USA, N.A., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX  [ XXXX / XXXX ] on XX/XX/XXXX after XXXX XXXX assured me that I QUALIFIED for the {$350.00} bonus welcome interest.

XX/XX/XXXX : I emailed XXXX XXXX, XXXX Branch Service Manager at XXXX regarding the failure of XXXX to deposit the {$350.00} onto my checking account.

XX/XX/XXXX : XXXX XXXX wrote me back to inform me that she is reaching out to the marketing team.

XX/XX/XXXX : XXXX XXXX said that she was informed that I had a previous HSBC account, thus did not qualify for the {$350.00} promotion.

I DO NOT HAVE ANY PRIOR HSBC ACCOUNTS.

XX/XX/XXXX : I wrote a letter to Mr. XXXX XXXX XXXX, Chief Executive Officer and President of HSBC North America Holdings , Inc., HSBC Bank USA, N.A. and HSBC USA Inc. at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXXXX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she will look into the matter and will contact me.

XX/XX/XXXX : I emailed both XXXX XXXX, Manager of Customer Relations AND XXXX XXXX, XXXX Branch Service Manager for a written explanation on why HSBC failed to deposit {$350.00} onto my checking account.

XX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she is continuing her investigation and will contact me.

XX/XX/XXXX : I wrote XXXX XXXX, Manager of Customer Relations a letter regarding HSBC Bank USA, N.A. failure to honor its contractual obligations.

As of this date, XX/XX/XXXX, no requested information as to the denial of the {$350.00} and failure to follow its own contractual protocol- We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes to complete our investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: OH

Complaint narrative:
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX. XXXX and XXXX XXXX. XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: OH

Complaint narrative:
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and Columbus Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: NC

Complaint narrative:
I had a loan with XXXX XXXX and after trying to work with them in 2017 to see what I could do to make payments since I couldnt afford them. I was told to apply for a forbearance or deferment right away without getting the option to see about an income driven repayment plan. Not only was I not aware of this but I was told I needed to pay {$50.00} dollars to be put into a forberence state which I couldnt afford to pay since I was living paycheck to paycheck just trying to survive. After all this happened, I stopped answering there phone calls for a short time to reset my thoughts and see about options. The very next time I communicated with them. They were rude, disrespectful and wouldnt let me talk without them talking over me. At the end of the phone call. I told them to stop calling me and to leave me alone. No sooner then the very next day, I started getting phone calls from them day after day after day. I answered quit a few times and told them to stop calling me especially since I was at work the majority of the time but still had no luck. The very last time they called me, I recieved a letter in the mail a couple days later saying they sold my loan to another company. My loan at the time with XXXX XXXX was around 5,800 dollars. By the end of everything when the loan sold, its over 8,000 now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: CA

Complaint narrative:
This complaint to to address a previous complaint Complaint number : XXXX & Complaint number XXXX There are multiple items that I have disputed however the bureaus Experian, and XXXX   have not removed the items and they did not perform a proper investigation with the creditors in a CDV format in accordence with 15 U.S.C. 1681s-2 ( b ) ( 1 ). I demand proof of the scope of the dispute outlined on a CDV form received by the furnisher. I do not believe that the previous items I disputed which are included below were investigated and I know for a fact that the bureaus never gave me proof of this investigation before so in result I demand all of the items be removed IMMEDIATELY to prevent my legal right to privately SUE the creditors and furnishers. Doing so will take so much time as I have already lost so much time and have been denied credit when I need it to better my life. 

In my previous dispute to Experian on XX/XX/2019 I also included copies of my ID, Social, and proof of address and on XX/XX/2019 I received a letter from Experian stating that in order to process my dispute I will need to send them my ID, Social, and proof of address. They deliberately sent me this letter as a stall tactic to completely ignore my disputes and proper investigations that need to be taken place in order to verify the accuracy of information on my credit report. They gave me other options to send in my id, social, and proof us address such as www.experian.comXXXX they are not allowing me to upload my documents to the system because it is rigged! I have attached this letter into this complaint which serves as total proof that Experian is not treating me fairly and has not properly addressed my disputes or performed a proper investigation. 





Items I demand be removed XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS COURT DOES NOT HAVE ACCESS TO MY RECORDS AND AS PROOF I CALLED THEM TO VERIFY THAT AND THE OFFICE DISCLOSED THAT THEY DO NOT PROVIDE PRIVATE INFORMATION TO THIRD PARTY AND SO IT IS IMPOSSIBLE FOR THEM TO VERIFY THIS ACCOUNT ON MY REPORT SO IT MUST BE REMOVED AS IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX I WAS NEVER LATE ON THIS ACCOUNT AND CREDIT HAS NOT PROOF OF SENDING EARLY WARNING NOTICE AND AGREED TO REMOVE ITEM OFF MY CREDIT OVER THE PHONE

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 2019-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient Corporations I heard they got a law suit against them can you help me look into the information about them. If they legitate and the balance i have to repay them back is XXXX.

Company response to consumer: Closed with explanation