vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
I am currently enrolled in a XXXX XXXX XXXX program for all my medical bills. Harvard Collections Service was deducting $ per month until I enrolled in the program. Once enrolled in the consolidation program, the agency were informed to cease deductions. They were provided the information to call to work with XXXX ; however, they continue to ignore and deduct without consent. In XXXX they continued to deduct which lead into XXXX and most recently in XXXX. I have spoken with the representatives and informed them to stop. They are calling repeated, continue to deduct from my bank account after they were instructed to stop. The deductions caused overdraft charges. I spoke with the manager, XXXX XXXX XXXX informed him he is violating my rights, deducted without consent. I sent an email and a certified letter ; however, filing a complaint since my efforts are ignored since XXXX. I will contact my bank and advise them any more deduction is illegal. they continue to run my credit every few months causing my credit score to drop dramatically which is effecting other issues. If you help that would be grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My husband added me as an authorized user to his bank of america credit card account back in XXXX of XXXX. They asked for my personal information including my social security # to issue me the credit card. The whole idea behind adding me as an authorized user is to help build my credit. It is now XXXX and it still is n't being reported to my credit report. This is hurting my credit score because I am missing revolving credit history when in fact I should have history from XXXX XXXX and up showing I pay this credit card on time every month. I have repeatedly called them and submitted a complaint internally to bank of america and they sent back a form letter stating it is being reported which is clearly untrue. No one seems willing to help me there and I feel powerless. I am trying to buy a new car next year and this is really going to hinder me from doing so. I have included the letter they sent me which has the account information on it. 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 non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am being charged XXXX from Kia. It was never brought to my attention disposition fee to turn it in and a sales tax of XXXX. They say it was in the lease but i would not have bought it if I knew. They say if I lease of buy another car from them it will be waived, I am now XXXX and can not buy another car. Plus m6 car was XXXX miles under the lease agreement but they wont give me anyth8ng for that. Not fair. I can not afford to pay this. I spoke with the finance end of it and they said n9 way 8 have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Prior to XXXX XXXX, 2017 I reached a settlement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an account held by XXXX XXXX. I received a letter of satisfaction for the settlement and have asked that my credit report be updated to reflect this is no longer derogatory. Twice I have requested this and both times I received a report in the mail stating the information is accurate and will remain on my credit report. I have contacted both companies, XXXX assures me this account is settled and closed and that they did in fact notify XXXX XXXX twice. Any time that I have called XXXX XXXX they refer me to XXXX. I am getting nothing more than the run around and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased two tickets with XXXX last XXXX to fly on XXXX XXXX but last XXXX I got an email from XXXX telling me that they filed for Bankruptcy so my flight was cancelled and because I purchased before XXXX I wo n't get the money back. So I contacted Citibank to dispute the charges and they removed the charges momentarily but last week Citibank put the charges back even after I sent all the information and letters sent by XXXX and 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 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
We have been getting a lot of phone calls from a company known as " XXXX XXXX XXXX Services ''. They 've been using about eight different phone numbers, and I '' ve blocked all of them using call block and caller ID, but since they continue to call, I 've turned around and called them a couple of times to find out what 's going on. A couple of weeks ago I spoke to a live person, somebody named " XXXX '' and she told me they were looking for somebody by the name of XXXX XXXX ( that 's not us ) who apparently owes them some money. XXXX told me she would take our name off the list. Now they called again this morning and I again called them back and I again talked to a live person ( did n't catch her name this time ) and again explained the situation and who I spoke to last time, and again she said she would take our phone number off their list. I doubt that will happen though. And I told her that we do not have any debts that would require the use of a debt collection agency. So somebody needs to track down this XXXX XXXX person and get in touch with that individual instead of calling us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 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: PA

Complaint narrative:
Multiple inaccuracies on my credit report. Old and outdated information or items that should have been removed. I dont recognize a few items on my report, and Im trying to repair my credit so its very frustrating

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 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR

Complaint narrative:
This is an HSBC account from XXXX, and was settled back in XXXX with another collection company by the name of XXXX XXXX XXXX. I just started receiving calls from the company this week from a XXXX, they are leaving long messages advising they are trying to catch up with me, they are filing court documents, they have given me information about my car, my old residence as well as advising to get my license suspended for not paying the debt. My daughter reached out to HSBC XX/XX/XXXX to see who this company is because the company will not give out any information at all no addresses nor first or last names, they get very hostile with customers that they are trying to collect debts on. HSBC advised that there are no longer any accounts in there system for me and if the company is not willing to give any information about their company then its most likely a scam. My daughter reached out to this company who goes by XXXX XXXX XXXX which there is no information available on line about this company. And advised the same account number given was paid back in XXXX, the representative then advised her to send through email. My daughter then advised she will not she will like to get a physical address to mail, in return the rep sent her to a voicemail because she advised she did n't have the address. And said it will be quicker to just email the information to show the debt had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XXXX/XXXX/XXXX I paid Citibank {$1100.00} on bill pay on accident. I used to have an active account with Citibank but the account has since been closed. I clicked the wrong payee on my XXXX XXXX bill pay and mistakenly send Citibank the payment. 

XXXX/XXXX/XXXX I realized I paid Citibank instead of XXXX XXXXXXXX XXXX. I called Citibank to ask for a refund. I called three times and each customer service agent said they would call me back to verify my identity. I got one call back from XXXX XXXX XXXX XXXX but it only rang twice and I didnt get to the phone in time. ( called and spoke for 16 minutes, 5 minutes, and 11 minutes ). 

XXXX/XXXX/XXXX I called Citibank to follow up and asked to spoke to a supervisor. They told me they have no way to verify me and I have no avenue to verify myself, as I dont have the phone number I had when my account was active. They only verify identity through a third party phone number resource. I offered to send a utility bill, drivers license, or social security card and the agent said that they will not use that to verify identity. Because I cant verify my identity, they will not refund my money. ( called and spoke for 7 minutes, 59 minutes ). 

XXXX/XXXX/XXXX I called XXXX XXXX and had them call Citibank with me on the line. Citibank said I cant verify my account without a phone number that checks out with them. They dont have enough information to verify my account and it will remain locked. Citibank gave XXXX XXXX agent the fax number XXXX XXXX XXXX XXXX to fax proof of payment, she said 5-7 business days to receive refund. Supervisor is XXXX : XXXX is her identification number. XXXX XXXX guy XXXX ID : XXXX. ( called and spoke for 75 minutes ). 
This did not result in my getting a refund. I continue to receive bill statements from Citibank showing a negative balance of {$1100.00}. 

XXXX/XXXX/XXXX I called XXXX XXXX to follow up. They offered to try to call the customer service again. I opted to call the number for Citibank corporate ( XXXX ) instead. I was re-routed to a call center outside XXXX, so I hung up. ( called and spoke for 1 minute )

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 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Uber Technologies Inc.
State: PA

Complaint narrative:
XXXX/XXXX/2016 XXXX XXXX XXXX I was told that credit does n't matter good or bad, and the lease of the Vehicle would n't effect my credit. I was never informed that a hard or soft inquiry would be done. 

This vehicle was leased from Uber to drive Uber. I was told it would not effect my credit in any way positive or negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I took a mortgage about 1.5 years ago and was told that when the mortgage reached 80 % loan to value that I could remove the mortgage insurance. The appraised value of the home that the mortgage was based off of was {$140000.00}. 80 % of {$140000.00} is {$110000.00} which we are extremely close to. I have intentions of making a principle payment to bring the balance below the {$110000.00} threshold. I put in a request to the bank for written conformation before I make the principle payment because I know how shady banks can be. Well to no surprise they are now trying to change what I was told and claim that the 80 % is based off the purchase price. I 'm sorry but I disagree. The value of the home is the appraised value that the loan was based off of not the loan amount. These were the terms I agreed to and I would like the bank to honor them or the contract is in default. I have documents from the bank stating PMI can be removed at 80 % of the original value of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: SecurityNational Mortgage Company
State: UT

Complaint narrative:
We bought a home in 2014. We have never misse a payment. XXXX XXXX XXXX sold our loan to another lender and is now saying we missed a payment in 2014 and have dinged us since. This was part of the loan sold and they are attempting to collect twice what they say is owed. They were never missed inthe first place.

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 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am trying to refinance my house but when I pulled my credit report I noticed that my chase credit card is saying that i missed a credit card payment in XXXX. I never missed a payment since i opened the card in 2014. I told Chase that I did not receive the bill but they wont listen to me. I researched on XXXX and the fair credit reporting act says that all information on my credit report must be accurate. This is causing me so much stress and money. Please tell chase that they can not do this to people. 

it is showing a 30 day late payment in XXXX showing on all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: MD

Complaint narrative:
credit agency reporting information from identity thief. Ive tried to dispute unauthorized usage off my identity for over a year to no avail.

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 2017-11-21 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: MD

Complaint narrative:
credit agency reporting information from identity thief. Ive tried to dispute unauthorized usage off my identity for over a year to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
XXXX decided to charge my account since my main account was closed due to fraud, and because I did not have enough funds to cover all those transactions USAA declined them all. Declining the transactions is fine. The important issue here is that I was charged a returned fee on every single transaction twice due to XXXX resubmitting those transactions. I called USAA on XXXX XXXX and spoke to an Executive Agent ( Supervisor ) who stated she would make an exception and waive one last overdraft charge to help me out. Also, she stated she would put a stop pay on those transactions to prevent them from hitting my account. Today to my surprise I see that the credit she promised is not there and also another transaction from XXXX caused another overdraft. I ca n't remove the account on XXXX 's end because there are pending transactions. I need someone to review my calls and explain to me why I was lied to. I 've had my account for years and I 've never had this issue. I just moved my entire family from Puerto Rico to the states because the hurricane and this bank has decided to not help at all with the situation. Also, they are not allowing me to close the account which to be honest would have solve the entire situation. Currently the account is still overdrawn due to the missinformation I was given when I called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I received notification from a home lender that I have a collection account on my credit from California Business Bureau for {$590.00}. 
I called the California Business Bureau to learn what the account was for. I did not have knowledge of the account. 
They told me that it was a remaining balance from a XXXX at XXXX XXXX XXXX in 2014. They also stated that the balance had now gone from {$590.00} to {$750.00}. I called the same day the credit report was issued. 
California Business Bureau said that {$590.00} was the principal balance, and the additional charges was interest placed by California Business Bureau. 

I called XXXX XXXX XXXX to confirm that this was accurate. XXXX XXXX XXXX informed me that the principal balance was {$290.00}. The original balance was {$590.00}, however I paid {$310.00} on the day of XXXX. Leaving {$290.00} remaining. 

I then called my insurance to confirm that the patient responsibility being claimed by XXXX was correct. They said that the patient responsibility had been fulfilled and no other payment was due. 

I then called California Business Bureau again, and explained the descreency between my insuracne company, the hospital and them. 

They told me I was wrong, and to quote XXXX XXXX ( who I spoke to ) I was " full of XXXX. '' I suggested more than once that I would pay the true balance of {$290.00} declared by XXXX XXXX XXXX that was sent to California Business Bureau,  including their interest. They declined, and only would allow me to pay their stated about of {$750.00}. They continued to claim that I was lying. 

I offered XXXX to have a call with me and XXXX XXXX XXXX so we could collectively get to the bottom of the true balance owed. She declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Due to 10 months of trying to repair erroneous credit reporting and a hack of XXXX and Dodd / Frank our credit destroyed. Consequently this is the result. Instead of having excellent credit we are no Low Life 's. In our opinion by experience false advertising, misinformation, misrepresentation has created this fiasco and you, yes you do nothing. You did nothing about the Reverse XXXX lender who created this mess. You did nothing about the Credit Bureaus. You did little to nothing about the creditors who reported wrong and added to this mess. Yes we got ourselves in deeper BUT if you would have been the agency you profess to be none of this would be on our backs today! The facts are many of these companies not signed up with you why????? I guess above the 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 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I received 5 phone calls from 5 different numbers within the past week, each one identified as " PORTFOLIO RECOVERY. '' I finally answered a call from XXXX, and the caller identified herself by name only. She asked to speak to " XXXX XXXX '' ( assumed spelling ). I replied by asking her who she represents and what was the nature of her call. She simply repeated her demand to speak to " XXXX XXXX, '' so I demanded that she remove this number from her call list and hung up. 

" XXXX XXXX '' has never been associated with my phone number, which I 've had for well over 10 years. 

The callers refusal to properly identify the business that she represents and the nature of her call is a violation of fair debt collection practices. Had the caller provided this information, I would have been forthcoming in my response, telling her that she must have the wrong number and asking her to remove my number from her business 's call list.

Company response to consumer: Closed with non-monetary relief