vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC Bank USA reported that I have a balance to the credit company in XX/XX/2019 and I had a XXXX balance. It made my credit score drop from XXXX to XXXX. I have contacted them to update my information correctly, but a letter was sent to me stating it updated. But its not updated. My XXXX  report for my HSBC creditcard ending in XXXX is currently showing no payment status on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: AR

Complaint narrative:
I was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some student loans on my account that was hurting me. I have never applied for student loans. The loans do not belong to me. My identity has been compromised. Please delete these student loans from my 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 2020-02-27 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: AR

Complaint narrative:
I was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some student loans on my account that was hurting me. I have never applied for student loans. The loans do not belong to me. My identity has been compromised. Please delete these student loans from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I purchased my property on XX/XX/XXXX. Early in XX/XX/XXXX it was sold to Penny Mac. All correspondence advises they accept checks. 
On XX/XX/XXXX I advised them of my proper mailing address On XX/XX/XXXX, I sent a check for {$250000.00} to them- approximately my princ balance. 
On XX/XX/XXXX, I talked with them and they had not received my check. Other check 's mailed out had all been cleared by XX/XX/XXXX but this one with them had not. They assured me they had not received it. ( XXXX ) On XX/XX/XXXX, they still had not received my check, and i advised them i put a stop payment on it ( {$25.00} ). I was concerned now that it was lost in the mail, again they assured me they did not have it. ( XXXX ) On XX/XX/XXXX and XX/XX/XXXXh i paid electronically {$99000.00} each day. 
On XX/XX/XXXX- I received a letter ( dated XX/XX/XXXX ) mailed to the physical address, not my mailing address. Of which they have had the correct address since XX/XX/XXXX, stating they are returning my {$250000.00} check for it is not " certified funds ''. They are claiming now that they only accept checks for regular payment amounts. Included in the mail was also the attempt to send to my mailing address on XX/XX/XXXX stating got returned? 

So to my estimation, it has cost me about {$330.00} in interest, plus {$25.00} and my time because they didn't accept my pmt, advised me they never had it when if fact they did and sent correspondence to the wrong address regarding this matter ... 

On XX/XX/XXXX ( XXXX/XXXX  ) - advised they would go up the chain of command because not accepting my pmt ( when in my agreement, not their policy, does it state they wont take a check? This is appears, knowingly or unknowingly, directly cost me more and they have yet to correct this. Isn't this a compliance violation? Proper billing and crediting payments properly??? 

Since they promised me to call me back by the end of the day on XX/XX/XXXX and have not. I have chosen to email the CFPB on their compliance issues. To settle this account, i respectfully request they reduce my pay off by {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
Good morning, I would like to start to say that I got very sick on XX/XX/2017. there has been a numerous procedures that took place in XXXX XXXX hospital . I haven't been able to pay the part that my insurance didn't cover. 
I tried to work with them and every time the price goes up in my debts. every day they said accumulate interest. Offer to pay in portions and they said all or nothing and that I'm being sued. I haven't seen any bills, I paid other medical collections bills i don't want to pay the same bill twice. please help me. 
the Agency is Skagit Bonded in XXXX XXXX WA

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 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I want to report multiple violations that JEFFERSON CAPITAL SYSTEM is committing to the Free Credit Reporting Act and to my rights as a consumer.

Just to mention two serious violations, see below : 1. Post charge-off interest 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having XXXX  issues because of this situation.

Please send the attached documents to Jefferson Capital System.

Thank you so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my 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 2020-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
XXXX opened a CapitalOne account in my name without my express consent, and did not link it to my store account. Apparently they did this in XX/XX/XXXX. The old account was still linked and showed a XXXX balance and XXXX payment due when I went to check it in XXXX, leading me to believe that I was current and had no balance. I continued as normal thinking all was good, tried to log in later as routine and the old account was down, thought it was just a glitch, and didn't follow up because in my mind I had XXXX payment due. Since CapitalOne sends so much predatory lending junk mail, these all end up on the burn pile. I was unaware that a CapitalOne account was opened in my name and the balance transferred. InXX/XX/XXXX, I went to make a purchase with XXXX and it was declined. That is when I discovered that there was a new XXXX account and card and it took me a couple hours to get it linked up. I spoke with someone, either XXXX or CapitalOne, but my memory on this is vague, it was the day after XXXX, but I made the payment to pay the full balance and left with the impression that the late fees would be removed and my account was in good standing. In XX/XX/XXXX I discovered they did not do this and are reporting me late to the credit bureaus. Have called XXXX about this and their customer service says they have no visibility or ability to remove these fees, otherwise they would. Everyone at XXXX says they are sorry, but their system doesn't let them do that. CapitalOne says their system won't let them do it either, that they have no 'options ' available to them. Each points the blame at the other, but one agent at CapitalOne admitted that CapitalOne does have the ability to do so, but then the supervisor said they didn't have any 'options ' again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
2015 federal loans were taken in out my name from XXXX XXXX college, 2 loans totaling {$3500.00} with taxes, fees and interest. I never received any money or loans from this institute or school. Contacted XXXX XXXX, XXXX, MI and customer service ( which has my SSN # ) about the fraud. I sent in affidavits to verify theft and have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights.

This Consumer Complaint is against Optimum Outcomes , Inc. for it's violations of the Fair Debt Collection Practices Act ( FDCPA ) against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g.

No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OR

Complaint narrative:
On XXXX XX/XX/XXXX at XXXX, my financial counselor and myself called XXXX XXXX to get a deficiency balance statement on a repossesion that happend in summer of XX/XX/XXXX. XXXX XXXX stated the debt was sold to a collection company. They gave us the contact number at XXXX, Crown Asset Mgt. We called Crown Asset Mgt and spoke with XXXX. She informed us that it was in the process of being sold to another collection agency and that she could not give us the deficiency balance. She requested that we give her a cell number so the new company would be able to call. She would not give me the name of the next collection company. I did not give her my cell number as I am in XXXX XXXX/XXXX  in the United States XXXX at XXXX  XXXX XXXX. I explained that I could not receive calls on that cell. My counselor requested a timeframe so that I could be pulled out of training to be able to take their call. She could not provide us with a time nor a contact that I may get in touch with them when my drill sergeants allow me access to my phone. My initial security clearance is in jeopardy due to Asset Mgt dragging their feet about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Today is XX/XX/XXXX @ XXXX CST 1. XX/XX/XXXX closed Citi account and received email to confirm account closure ( there was still a balance due ) - made the monthly payment XX/XX/XXXX {$140.00} - there was an increase to my bill immediately following the closure {$10.00} ) 2. XXXX made monthly payment made XX/XX/XXXX again increased payment from {$130.00} - paid {$140.00} 3. XX/XX/XXXX paid Citi card off in full {$4800.00} ( which was listed as the PIF amount due ) 4. XX/XX/XXXX Citi payment was posted to my debit card bank 5. XX/XX/XXXX at XXXX CST - Called Citi because they had charged additional interest to my account of {$16.00} since the paid in full payment on XX/XX/XXXX and - spoke to XXXX ( 2nd level management ) he waived the {$16.00} additional charge and stated a XXXX  balance email would be received that would arrive as soon as the payment was posted and state account closed. The excuse was the payment had posted at the time I made a payment leaving interest due - however their website stated this was the total amount due on the date of the payment! He allegedly removed any residual interest charges they added to the account. XXXX also said he would send an email generating a XXXX  balance by Tuesday as that is how long it would take Citi to clear his interest adjustment and generate an email to me with account closed and XXXX balance. To date ... nothing has arrived. 
6.XX/XX/XXXX - Logged into my Citi account it does show an adjustment of the interest subtracted for {$16.00} - BACK DATED to XX/XX/XXXX? 
Yes, he lied in the system because the adjustment took place on or after ( according to XXXX at least 48 hours to adjust ) the phone call stated # 5 above!!! 
7. XX/XX/XXXX - The " running balance " as of today is {$0.00}. However, no email has been received as promised regarding the account paid in full and XXXX balance. 

I am requesting : 1. all of my personal account information - phone, email and payment info be removed from this account 2. a letter emailed asap stating the account is closed and was paid in full on XX/XX/XXXX and a XXXX  balance. 
3. Payment and all PII information deleted and suspended immediately. There is not a way for me to delete the payment information from the account!!!! However, I can ADD another account! 

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 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
In previous debt dispute letters, I have requested not to called and only to be contacted through mail. I've had to block their numbers they use to harass people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have an Apple Credit card issued to me that I have no idea how or when I applied for this! It also now has my storage fee for my Apple account charged to this card. It all seems very unethical to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I have Student Loans from Nelnet when I was attending XXXX College in XX/XX/XXXX to XX/XX/XXXX in XXXX, OR. My monthly payments was approximately {$500.00} a month. My loan started off with {$35000.00} and now it has increased to {$46000.00} from all the interest and late payments I been struggling to pay. I have recently fell in a financial hardship and it has been difficult to continue to pay the loan even though I entered into forbearance. I have also recieved an email about XXXX college being sued for false marketing and advertising. It mentioned they were going to try to remove anything that negatively affected my credit report and I am not required to make any other payments. I am still being billed for the interest on the loan. XXXX College In XXXX shut down and I am not able to contact the campus as they failed their students on their promises before enrolling. I have already communicated with the lender and FASFA and I have not recieved a response and it's been longer than 60 days. I was young and did not have a lot of knowledge on schools, loans, and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I opened a checking account with Regions that is a business checking account and to get no fees on the account I opened a merchant account with them also. There were to be no fees associated with the Merchant account unless I used the account. The merchant processor has repeatedly charged me a fee for using them and has constantly stated that I had to do the PCI Compliance or be charged a fee and I have done the PCI Compliance. I have tried to be nice and work with both but neither are working with me. Also, Regions has been charging NSF/Overdraft fees and I have no record of why these are being charged.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX Mr. XXXX was hospitalized out of state from his home town due to a severe fall. Mr. XXXX remained hospitalized and in-house rehab until XX/XX/XXXX. During the time of being confined to the hospital his job and other businesses had continue to deposit funds to his Netspend All-Access prepaid debit card. Those funds was stolen from Mr.Coats accounts. 
Mr. XXXX filed a dispute with Netspend Dispute department and included the discharge summary from the hospital, a police report, Federal Trade Commission report, Netspend Unauthorized Dispute document and other relevant information. The dispute department closed the claim due to no error found on XX/XX/XXXX. The dispute department reason of account closure is as follow The PIN transactions being disputed are consistent with your previous account activity, such as the merchants shopped and their physical locations. Additionally, our records show that the PIN was not changed prior to the period of unauthorized usage. 

We are certain that the card was compromised by a possible relative or associate that lived in the same area and was knowledgeable of Mr.XXXX  whereabouts, So it likely that the card was utilize at the same merchants where Mr. XXXX previously shopped but that shouldnt disqualify the charges from being unauthorized. 

Mr.XXXX  is requesting the claim investigation to be reopened and he receive his provisional credit as scheduled by 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