vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We opened a home equity line of credit with US Bank on or about XX/XX/XXXX At the time we applied, there were several important stipulations that the loan agent did not disclose at the time we applied : 1 ) There was a {$90.00} annual fee for the account that began 1 year into the loan 2 ) If we attempted to close the account prior to a 3-year period, regardless of the balance, we would pay a penalty of 1 % of the total line of credit, not 1 % of the outstanding balance, if any, 3 ) We assumed the the total line of credit was an arbitrary amount up to us to decide based on the equity in our home, but at no time was the 1 % penalty tied to the credit line ceiling. 

Our main concern is # 2. When we applied we took the largest line of credit {$55000.00} for which we qualified. We were never told that we would pay 1 % of that amount as a penalty for closing the account " early ''. 

We paid off our home equity balance of {$11000.00} this month. So even though we have a zero balance we can not close the account unless we pay 1 % of {$55000.00}, an amount which we never borrowed but theoretically was available to us if we chose to borrow. 

I found this all out when I called to close the account. I was told that unless I wanted to pay that {$550.00} I could wait until XX/XX/XXXX at which point I could pay the {$90.00} annual fee and then the following day ( being the end of the three-year period ) I could close the account with no further obligation ( either with the annual {$90.00} fee or the penalty ). 

So I have no alternative but to keep the account open, pay {$90.00} for an account I no longer want nor need. I think this is predatory.

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 2019-04-03 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: Westlake Services, LLC
State: KY

Complaint narrative:
The company submitted a response that I am unable to contest to the submitted complaint below My dispute is with Westlake Financial Services at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I had an auto loan with them and had purchased gap insurance. I was in a car accident and totaled this vehicle, and westlake financial made it near impossible to file a claim. When I managed to file a claim they denied my gap claim due to making late payments during the course of my loan. This provision was not in my gap policy upon purchasing. I have been unable to dispute this course of action for over a year. I can not call them without one of their agents, who speak english poorly, either hanging up on me or their automated system hanging up on me instead of transferring me to agents. I am tired of this being claimed as " Bad debt '' on my credit report. 

I am not satisfied with this response. This " gap waiver '' they are claiming was neither discussed or signed by me. As it was explained and required by law, I paid for the gap policy and they are required to follow through with payment of the rest of the loan. It is not on the condition I never have a late payment or extension over the loan. The company will either resolve my debt or I will take the next step legally for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
In XX/XX/2018, TD Auto Finance ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX, XXXX and XXXX secured a default judgment against me for a debt that I do not actually owe. It did so by going to another jurisdiction, that apparently did not require any proof that this debt was owed by me. XXXX, XXXX and XXXX was retained by Huntington Bank to collect on a home loan that was in foreclosure. I did not owe on the mortgage, rather my husband signed a lease to rent the property. The owner of the property went into bankruptcy, therefore no funds could be collected from him. Therefore, the firm XXXX, XXXX and XXXX sued my husband, and obtained a default judgment against him, as he had entered into an agreement to lease the property, however, I did not enter into any agreement to lease the property. 

A judgment was entered against my husband, on XX/XX/XXXX. Yet on XX/XX/XXXX a certificate of judgment was entered against both me and my husband, while the initial judgment was not. How did this happen? It seems that the firm XXXX, XXXX and XXXX simply added my name to the judgment, I guess, because the debt was owed by my spouse. Prior to that, the firm had been illegally garnishing my wages, all based on the debt of my husband. 

In XXXX of XXXX, I entered into a settlement agreement with the firm, agreeing to pay {$3500.00} to settle the debt. I have paid that amount, several times over. I have in fact, paid nearly {$10000.00} toward this debt that I do not owe. 

When I attempted to make settlement payments, the firm repeatedly breached the settlement agreement by continuing to garnish my wages, and refusing my monthly payments in order to trigger a breach of the settlement agreement and initiate the default judgment in its entirety. 

This debt collector has acted in bad faith in so manny different ways, beginning with the initial law suit. This is an attempt to collect on a foreclosed property, which neither I nor my husband owned or have any financial liability for, but because the owner of the property filed for bankruptcy, this debt collector has viciously pursued collection against me, who has absolutely no legal or financial connection to the property. I have already paid {$10000.00} on a debt that I did not owe. I want the firm to cease and desist from any further attempts to collect anything on this debt, which, again, I do not owe and never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
Boniville collections called me at XXXX XX/XX/XXXX stayed that I now have 3 different debts that Im not sure exactly what they are talking about I requested they send me the info on the debts they stated that they had sent someone to my address with papers to sue me and that Im never home when I exclaimed that was illegal and I wanted a copy of the phone recording they got hostil and told me no then demanded I maps payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am currently paying transworld an automated amount of $ XXXX monthly towards a {$670.00} amount for tolls by mail. I tried explaining that Notifications werent received and if I can just pay the bills owed since the majority of the amount is violation late fees. They said I only had the option to go on a monthly payment plan. Now I am currently unemployed and am not receiving any government financial assistance or any aid at the time and can not afford to pay this debt. I would like to know if its possible to dispute the violation fees and just pay the tolls owed at this time. Since I have no source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: IA

Complaint narrative:
XX/XX/2019 This involves on-line access to my current mortgage account. According to SunTrust Mortgage I am the " co-maker ''. We have an on-line account created, however, it had to be created in my husband 's name because he is the primary person listed on the mortgage. I needed to re-set the password after trying to log on too many times. I called SunTrust to re-set the password, however, they would not speak to me about it because the online account is in my husband 's name, not mine. Now remember, I didn't have the option to set up an account in my name. I am just a " co-maker '' to SunTrust. The customer service rep then attempted to set up my own on-line account, however, because I am not the primary person on the loan he told me they do not offer an online account for a " co-maker ''. 

I am just as financially responsible for the mortgage as my husband is. I should have the same access to the on-line mortgage info that my husband does. I explained to them that I am the one who set up the account initially and am also the one that accesses it when I need it. I am also the one that sends the payments. They would not re-set the password for me. They told me that they do not offer on-line accounts to " co-makers ''. 

Don't you think that anyone financially responsible for a mortgage ought to be able to have on-line access to the most current information? In this case I was trying to access the annual escrow statement that comes out in XX/XX/XXXXof every year. I am trying to adjust our budget to make sure I set aside enough money to make our next mortgage payment in the correct amount and in a timely manner. This was time sensitive information that I needed. 

I spent an hour and 16 minutes on the phone being transferred to various departments. This is not acceptable.

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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MT

Complaint narrative:
To whom it may concern, Hello my name is XXXX XXXX, I am writing you in reference to a situation in which my affiliation through the auto finance company called Credit Acceptance Corporation has persistently dropped my credit score and caused me financial hardship. After much effort to correspond respectfully and amicably, with honest and genuine intentions of coming to an agreement that would remidy the negative information reported to all three credit bureaus. On XX/XX/2018, my employment contract ended as a pilot and there was a three month period in which i was unpaid before my first check from my current place of employment was received. After my payment in XX/XX/2018, I contacted Credit Acceptance Corp. to explain and warn them of my empending and inevitable situation, in an attempt to come to some polite agreement that would eliminate the possible late payment from hitting my credit score and possibly paying more in XX/XX/XXXX  to catch up in good faith. To no avail ; I was rejected, and told that late is late, and there was no options for me. I paid them late one half the full payment, and struggleing to pay half, I was able to scrape the money up to pay half, after paying half the full monthly payment they reported to the bureaus that I was 60-90 days late a full payment which is incorrect. I have opted to submit a complaint with the CFPB in an effort stop the situation from worsening. I have called and on all three occasions been rudely turned down put on hold for as long as 45 minutes only to be told that whats done is done and there is nothing that I nor they could, or would do to reverse or rescind even lessen the impact of my late half of one payment. I am an upstanding, morally sound, honest American that I believe contributes positively to society. The customer service phone number is XXXX headquarters located in XXXX, MI. I am asking for help because I am unable to catch up on late bills with even the smallest consolidation loans with my current credit score impact, I have no where to turn for help, moreover the longer it negatively affects my credit, the longer I am unable to improve my situation or my dignity. 

Kind regards, 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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE
State: LA

Complaint narrative:
In XX/XX/2018, Huntington National Bank ( via XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I had a second Mortgage with Ditech. I refinanced my first and second mortgage together and Ditech was paid in full on XX/XX/19. Prior to this second mortgage being paid off, Ditech withdrew a XXXX payment from my automated payment. Once the mortgage was paid off on XX/XX/19, I had a total of {$1200.00} that ditech owed me for over payment of the payoff along with the XXXX they withdrew from my bank account. Once Ditech closed the loan and showed it paid in full, they applied this {$1200.00} to escrow which I never had an escrow on this loan since it was a second mortgage. They are trying to tell me they have 20 days to refund escrow but I have tried to explain to them that this is not escrow money and just an over payment after the loan was paid off. I have already received the escrow money from my first mortgage but for some reason Ditech is refusing to refund my over payment money to me. I need assistance in getting this money. I have copies showing where the loan was paid and how much they currently owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I returned my lease to XXXX and was told I did not owe anything and all payments were paid. On my auto credit report said balance due {$0.00} and on the XXXX XXXX XXXX website as well also said {$0.00}. Now I received a bill of {$380.00} after account has been closed and Balance is at {$0.00}. There was no excess mileage or damage and I was of any future charges I would be responsible for until now. My husband is currently XXXX XXXX XXXX and I am unemployed but currently only receiving financial help from family at the time and I can not afford to pay this amount and dont understand what why I am being informed of this being owed after I returned the lease and account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am currently under Chapter XXXX and making my mortgage payments please note that this mortgage was NOT included in the Chapter XXXX filing and I am paying the original payment amount and it NOT was negotiated, I am current with all of my finance 's. However I have been trying to get two copies of statements for XX/XX/XXXX & XX/XX/XXXX, I have been told by Mr. Cooper to contact my lawyer and have her to reach out to their attorneys. She has contacted them to no avail this has been going on for about two weeks, I don't understand how difficult and stressful this has been just to get a couple of copies. It's unbelievable how NATIONSTAR MORTGAGE aka Mr.Cooper is making things so hard to accomplish a simple task.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
My debt account with a hospital has recently ( XX/XX/2019 ) been moved to a different debt collection Agency. I continue to receive threatening phone calls from BCA Financial demanding that I state my name, social security number, and demanding that I pay the balance of my debt in full over the phone by credit card or bank account number. My account is no longer with this company, BCA, which BCA confirmed when I called them again. BCA has no record of this phone call that was made to me on Thursday XX/XX/2019. Someone is calling me and claiming to be BCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
On or around XX/XX/2019 I called XXXX XXXX to cancel my subscription due to a financial emergency. They offered to suspend my account for the month of XXXX with no additional fees, with the understanding no work would be done on the account, which I accepted. Called to cancel again around XX/XX/2019, with the understanding I would owe 1 month billing. I was informed I was being charged 2 months billings XXXX & XXXX. XXXX I understood, but I was told there would be no work done on the account in XXXX since it was suspended so there should be no billing for XXXX. On XX/XX/2019 I was charged 2 months fees. This organization lied and billed me for no work. Additionally, they dispute accounts in good standing instead of focusing on trouble accounts, in order to prolong the subscription and collect additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I receive repeated phone calls from a XXXX XXXX number 6-8 times a day. I spoke with a woman one time and explained Im not paying anything until I get something on paper. She then proceeds to say bye XXXX. I have asked several people to please quit calling me and they havent. This debt theyre speaking of is not on my credit report. They also text me as well saying to please give them a call using different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was victim of a scam. I received an email ( it seemed from someone I know and trust ) asking to buy gift card and send back by email. I did that since I was told was a birthday gift. However I then realized it was a scam since they kept asking me to buy more and more gift cards and when I asked more details, that failed to provide. I alerted the fraud department and all my credit cards company. However I was told by credit card company that I wont get my money back since this was a scam and not a fraud.

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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XX/XX/2018, Chase Auto ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This company sent me a letter attached on XX/XX/2019 informing me of this debt. I contacted them immediately to dispute the item letting them know it was not mine. I asked them for verification of the debt and was expecting such. 2 weeks later I noticed that they have put this on my credit reports even after i disputed the validity of the account. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: NC

Complaint narrative:
reason- I contacted Experian on XX/XX/2019 to dispute inaccurate reporting items listed in my file.I do not believe it is correct. Experian sent me back a dispute result where they claimed to have verified in which Experian has not furnished any documentation whatsoever which means they are reporting false information.

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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: LA

Complaint narrative:
In XX/XX/2018, Credco ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
In XX/XX/2018, Hancock XXXX XXXX ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with non-monetary relief