vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Amex calls me repeatedly even though I have explained my financial situation and my inabiltiy to pay at this time. The phone call I just had with a debt rep from Amex consisted of him repeatedly telling me if my payment wasn't made today, I would be turned over to collections. I asked for the late payments to be removed and he stated they could only remove 3 fees. I asked for more and he kept repeating himself about closing the account and sending me to collections. When I asked him to stop making threating statements and asked for his supervisor, he refused and continued repeating himself about what will happen if I don't make a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have requested on numerous occasions for information about the loan listed on my report for over {$5000.00}. I believe it is not mine. I NEVER took out a line of credit. I requested information over the phone and was transferred over 6 times and still was not given an answer or proof of the loan. I am requesting documentation that has my signature, the application that I filled out, the contract, and proof that I am the actual owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Company : XXXX XXXX -I have two accounts with this company. 
-I have received correspondence from them in the mail - to my mailing address. -I have never received a personal phone call from this company. 

My complaint is the following : They have called my XXXX-year-old Father, ( who lives 5 hours from me, ) multiple times on his home phone. I have no idea how they accessed his phone number. I asked the Representative how they accessed his number and she wouldnt tell me. I asked if she would please stop calling him. He wasnt even aware that I had these accounts, but thanks to the repeated, multiple calls, of course he knows now and extra stress was put upon him that absolutely shouldnt have occurred. I have taken care of my accounts with a different Representative. Even though I asked the other Rep to please stop calling him, he still receives phone calls.

Here are the phone numbers, dates, and times of when this particular Comenity Bank Rep has called my Father this is from the beginning of XXXX. I dont have the current dates and times, yet. 

Dates, times, phone numbers : XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX As I stated, there are more dates and times to document, as he still receives calls from this company even though I have taken care of my accounts and standings. Any help anyone can provide is appreciated so much I really need this company to stop calling my Father. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
XXXX XXXX with Mr. Cooper Home Loans advised me that my FHA loan conditions were all cleared except the appraisal and that as long as our value came back okay, we would be closing our loan within 2 weeks. I paid an appraiser {$490.00} to do the appraisal, which came in higher than needed. Two weeks later I was told that due to a land lease the underwriter had changed their mind after doing a 2nd review and our lease terms were not exceptable. We weee told our only option was to change our loan terms from 30 years to 15 years or to renew our lease for 40 years, which would cost us {$1500.00} out of pocket and {$3000.00} more per year in lease payments. I asked them why they didnt figure that out before I paid for the appraisal and XXXX XXXX said it was just one of those things and he was sorry. I asked if they would refund my money for the appraisal and they said no that we sign disclosures saying we would pay wheater it closed or not. I said but you lied to me. Does that disclosure cover lies? His reply was that this out out of his control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CA

Complaint narrative:
My bank of America tons of phone calls went into the branch to fax necessary paperwork to submit a claim reg a check to XXXX .they did the check electronicly and then ran it as a paper check. I was not aware until I looked at my acct. Dated on XX/XX/2018.bank gave me tenp credit and then removed it 0n XX/XX/XXXX. I had faxed sent to the bank the required affidavit they needed.truly been a nightmare. Nothing is being done .they keep lieing to me over and over again. I need some help with this asap please. I had the branch managers doing it for me. They claimed they never received it. Also constantly being told wrong info and sent to wrong depts over and over again. I need this credit of XXXX plus any additional fees to be credited back to my account. Even being hung up and disconnected all the time. Really getting sick of this. Service is horrible.very disappointed.of Bank of America. I even had to overdraw my acct to get access to funds.etc.

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 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A & E Futures LLC
State: MO

Complaint narrative:
Sent them a validation letter on XX/XX/2018 and have not received a response from them but they updated the amount on my credit report for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank charged me an overdraft fee for an item posted on XX/XX/XXXX. 
My ending posted balance on XX/XX/XXXX was + XXXX. 
On XX/XX/XXXX the bank charged me XXXX overdraft fee for a posted transaction on XX/XX/XXXX for XXXX. 

My issue is that if I have ending positive balance on XX/XX/XXXX why would I be charged an overdraft fee. 

Ive been with Wells Fargo since XXXX and they have never in the past acted this way and when I asked if something change, they have not. 
I find it very hard to believe that in 28 years that I have gotten away with not getting charged overdraft fee. 
Attached is email after I made a deposit on XX/XX/XXXX at XXXX PT. 

Thanks 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 monetary relief
Consumer complaint received 2018-11-20 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: FL

Complaint narrative:
The reason I am filing this complaint is because i tried working it out with equifax but they dont seem to help me there is two accounts reporting on my equifax report that dont belong to me XXXX and XXXX   are not reporting it only equifax i can show screen shots as proof i have been trying to dispte it for almost 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Bank blocked my online access. Even after I sent required paperwork, they told me to go to branch which is 2 hours away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XXXX XXXX I have received my request for ICR and my three loans interest individually are 6.840 7.000 6.310 so that means it should be 6.716 or rounded 6.72 % which we discussed on the phone. The letters said that it will be 6.75 % which is clearly not the correct Interest rate, I mean a XXXX year old can do that math. MEANWHILE they said I could not do this until I was out of my grace period so I have to be in a forbearance until XXXX for approval. I will be accruing interest during this time. With the lawsuit against Navient I just have absolutely no trust in them at all and every time I call I feel like I am being lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: TX

Complaint narrative:
Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX 's XXXX  XXXX   Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: FL

Complaint narrative:
There are two accounts reporting on my Equifax and XXXX   credit report that dont belong to me XXXX has the right information they are not reporting it i can show screen shots

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: FL

Complaint narrative:
There are two accounts reporting on my XXXX  and experian credit report that dont belong to me XXXX has the right information they are not reporting it i can show screen shots

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
i applied for HSBC Master card over internet, was approved and have confirmation e mail.then welcome e mail and 2 letters came, then PIN letter and e mail came and finally i got card itself [ ends XXXX ] .i activated over the phone as advised on card letter and went to local XXXX XXXX for food.all i spent is {$1.00} but card was rejected so i used other card. i called customer care # XXXX and was told they off till XXXX next day.i went and again activated card over hsbc.com/activateus, as it was 2d option on card sticker. received e mail saying : card is activated and ready to use again but to be on safe side i choose chat option and waited 3 hours until it was answered just to learn that i must call to fraud department and agent XXXX said i do not know what to do [ i have copy ] since it is frozen. # i got is:XXXX.i called XXXX today and was told it is international call so i went back to chat.this time i got # XXXX, of fraud department.i was on hold since XXXX till XXXX, when i walked to branch of HSBC and showed them ringing phone.Manager Mr.XXXX XXXX called himself and we all spent 3 hours on hold then he gave up and said : it is unusual.No kidding.Now they have my S.S number, driver license, D.O.B. last working place etc. and all i have is useless card i can not use.Please help.I am XXXX person and do not need that aggravation besides i learned now this bank being hacked daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: D. SCOTT CARRUTHERS
State: VA

Complaint narrative:
First call was at XXXX in XX/XX/XXXX.A XXXX  XXXX is calling me regarding putting a court ordered lien on all my bank accounts. I was told I owed a debt from XXXX and a judge had ordered a lien on my bank. He provided a docket number from a county I lived in at the time. I asked for correspondence regarding the legitimacy of the debt. He got loud and ordered me to talk to the court where the judgement was ordered. I again asked him to provide the proof as I am unaware of any judgements on me and nothing has been sent to me, nor do I recognize the debt. He gave an address to a place where a family member once lived at the time. On the night of XX/XX/XXXX I advised him I talked to the MA State Attorney Generals office and they advised me to again request documentation be sent out. He then told me hed email me the court decision to me. On the first night he stated the lien would be for {$3500.00} all said and done. On the second night he stated the lien was going to be {$7500.00}. I told him I need to know the legitimacy of the actual debt being mine and that way I could have a lawyer look at it and tell me if it was in fact not a scam and then Id settle anything that is in fact mine. He started yelling and talking over me. I asked what company he represented and he stated he works for Norfolk Financial thru the law office of XXXX XXXX in the XXXX Ma area. I called the low office of XXXX XXXX and they claim to have never heard of XXXX XXXX who claims to be a lawyer sometimes and then a paralegal the next. He then tells me he can have the Norfolk Finacial call me since they are right across the hall. I asked for a number and he provided XXXX and his number is XXXX. I asked for the toll free number and he stated they no longer have a public number. I decided to hang up at this point telling him hes not providing me the proper documentation to prove I owe the debt and two he cant prove he has the right to settle the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
MY CREDIT SCORE IS VERY LOW, DESPITE THE NUMBER OF ACCOUNTS I PAY ON EVERY MONTH. THESE ACCOUNTS ARE THE EQUIVALENT TO IN-HOUSE CREDIT. IN THE LAST YEAR, I HAVE PAID SIGNIFICANT AMOUNTS TOWARDS MEDICAL BILLS, I PAY RENT EVERY MONTH JUST LIKE PEOPLE WHO HAVE A MORTGAGE. AND IT'S NOT POSITIVELY AFFECTING MY ABILITY TO GET LOANS OR INCREASING MY SCORE.

TO EXPLAIN FURTHER, I USUALLY ONLY REQUEST MY EXPERIAN CREDIT REPORT, BECAUSE I CAN GET ACCESS TO THAT ONE FAIRLY EASILY. THE ISSUE IS THAT EXPERIAN AND XXXX ARE USING AN OLD MODEL ( FICO ) AND NOT NEWER SCORING MODEL. ONE I HAVE READ ABOUT IS XXXX SCORE. WITH THEM USING THAT SCORING SYSTEM AND ME  NOT HAVING ACTUAL " CREDIT CARDS '' I WILL NEVER BE ABLE TO GET ANY TYPE OF CREDIT ACCOUNT THAT WOULD BE CONSIDERED TRADITIONAL. I GOT MORE CREDIT CARDS WHEN I WAS IN COLLEGE AND I'M SURE MY CREDIT SCORE WAS IN THE 400-500 RANGE! MUCH LOWER THAN IT IS NOW. I HAVE APPLIED FOR SOME CREDIT CARDS THAT ARE RECOMMENDED FOR PEOPLE IN A CERTAIN SCORE RANGE, BUT THEY ALWAYS GET DENIED. I DON'T THINK MY CREDIT SCORE IS NOT BEING EVALUATED OR MEASURED THOROUGHLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Been with AMEX since XXXX and signed up for a XXXX XXXX AMEX credit card back in XXXX. I have been very unhappy with the credit card and the fact that the rewards certificates expire so quickly - Also, not happy with nor told about annual fee! Called AMEX and told them to cancel my account & they said ok & goodby! - There is no customer service at all with AMEX anymore - Such a shame - I want the {$95.00} fee refunded to me along with interest in the amount of {$400.00} charged to me this year - They did not notify me that my 0 % promo rate had expired and now I audit my account and find out they have been charging me interest! Obviously other AMEX cardholders find the same thing happening to them and I found out that XXXX XXXX has discontinued its relationship with AMEX effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: DC

Complaint narrative:
On XX/XX/2018, I received a letter from Penn Credit Corporation informing me that they were attempting to collect a debt from the City of XXXX for an unpaid parking citation. The letter itself provided a violation description, tag number, violation date, citation number and balance. 

Upon calling Penn Credit I was informed that there were two parking citations referred to them by XXXX XXXX. I do not ever recall receiving a parking ticket on from XXXX XXXX that went unpaid. Additionally, I never received from XXXX XXXX any notification that these tickets were unpaid and subject to be referred to debt collection. 

On XX/XX/2018, I called Penn Credit to dispute these debts. Without information regarding where the ticket was given, the reason for the ticket, and proof of a violation, I do not see this as a valid debt.

When I told the Penn Credit representative this information, she told me that a simple list of the reason for the debt sent to me was enough proof to make it a valid debt. I do not believe this is a fair practice or even a legal one for that matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I signed a Extension Contract with Santander Consumer USA on XX/XX/XXXX due to the hurricanes in the Carolina in XXXX. In that contract 2 months were moved to the end of my loan and my loan extended till XX/XX/XXXX. In addition my next payment was not due until XX/XX/XXXX. 

Company repossessed vehicle 11 days prior to XX/XX/XXXX on XX/XX/XXXX and refuses to return vehicle and reinstate loan or return vehicle. 

In addition company breached the contract and no other signed documents have been agreed upon since the XX/XX/XXXX. 

Company deceived consumer by information provided by management by changing the agreement and sending out a letter to the consumer ( never received ) stating that the payments waived were for XX/XX/XXXX and XX/XX/XXXX. IN addition this created a Right to Cure letter to benefit the company which the manager stated that needed to be paid by XX/XX/XXXX. That letter per the manager stated the amount due by XX/XX/XXXX was XXXX. That Right to Cure letter was also not received by the consumer. 


Lender did steps to the account without signatures or confirmation to agreement on XX/XX/XXXX that benefited their company. They did deceptive trade practices and mislead the consumer. IN addition they illegally repossessed the vehicle on XX/XX/XXXX and provided false and misleading documents to the Repossession company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: ME

Complaint narrative:
XXXX XXXX bought my VA mortgage, they removed the valid tax ID. by not escrowing the taxes properly, This recognized by state and county Maine tax office. This was cleared up at XXXX XXXX, I was charged supplementary taxes, they were paid. This was apparently cleared up, I refinanced through loan depot and they did not recognize the correction. My municipal tax office has never corrected the tax obligation, since the start, they have hidden covered up the fraud, They reduced the value of my property, ruined my credit, They have ignored state and county findings.

XXXX XXXX town manager has been there for 40 years, He is the tax collector, treasurer, ombudsman, he has charge of the archives and access to {$5.00}, XXXX. daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation