vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC changed their website to pay bills online about three to four months ago. The website is literally awful, impossible to navigate that I will now have to find time to close my online bill payment account which I have had for over twenty years. I have many automatic bill payment accounts, therefore closing my HSBC account will be time consuming. have two HSBC credit cards, a checking account and a savings account. In order to have free checking, I have to maintain a minimum of {$10000.00} in my savings account which is unacceptable. 

But getting back to bill payment. I tried to make a payment on my HSBC credit card, but I inadvertently made a cash advance instead. I called HSBC five minutes later and they refused to cancel the cash advance which carries a fee. They promised me it would be straightened out in 4-5 business days which is unacceptable. Also with the new online banking I can no longer see what my minimum payment due on my HSBC credit card account is. This is unheard of. A representative from HSBC told me I have to access my estatments.

In summary HSBC can not change their website to what it used to be. I have a college degree in XXXX XXXX  ; would be happy to send my college transcript, but this website is geared to consumers to miss payments and enrich HSBC. Case in point, when one wants to pay a bill, there is no pay bill to click on, one must click on " transfer money ''. How is one supposed to know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I received several phone calls from this number Including my family members are receiving phone calls from this number XXXX. I called them back to find out what company its, The Company calling me and my family members is ICS. 
I don't know what are the phone calls about I haven't receive none information in written just phone calls asking me for my Address, they want to know my address. I denied it to give such information.So At this time I would like to ask the CFPB to contact them to cease and Stop this phone calls because I believe this debt collector is violating my consumer rights under the 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 2018-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
It's plain and simple they have been calling me before XXXX. I believe they have called at XXXX once and this morning they had called at XXXX. Both of these times waking me up and disrupting my sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/XXXX, my wife and her 2 sisters inherited property from her parents estate after her fathers death. She sold that property, and split the proceeds with her 2 siblings. In XX/XX/XXXX, we went to refinance a home we had purchased, only to find out that the state of Alabama had assessed a lien on our credit, without even telling us. We fought the lien, and were able to get it RESCINDED, which means it was an error. We have provided a copy of the official letter from the State of Alabama Department of Revenue which states that the assessment was " RESCINDED '', as we never owed that amount, or any amount for that matter. 

Currently, on my XXXX and Transunion credit reports, I am still being shown as having a Tax Lien for {$9900.00}, showing that the lien was " released ''. Released is not Rescinded. We didn't pay that amount, we weren't forgiven or released from owing that amount, we don't owe that amount, and it was rescinded. I called the county clerk myself, and verified that there is no public record showing that I ever owed the state of Alabama that amount, and there is no way that they should be able to verify it, because it's not there, it was rescinded. I have written to both companies demanding that they remove this from my credit report, and they refuse. I am now filing a complaint.

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 2018-03-01 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: NJ

Complaint narrative:
I contacted Equifax on XX/XX/XXXX and XX/XX/XXXX on two accounts that have been paid, Equifax have been refusing to correct the information. I asked Equifax if they could change the payment status to paid rather than for it to say late. I provided them with all the information to prove that these accounts were paid and no longer late, they still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want to report repeating incorret questionare problems I encountered by logging into the Experian credit service and policies today ; as well as problems not being able to speak to a live person today. 

I called Experian questions department that was referred to me by an XXXX letter dated XX/XX/XXXX due to a previous log-in issues dated XX/XX/XXXX ( I had my PIN number ) and a verification of a new address, which is not new, but a variation of this existing address that we live on for seventeen and half years now. 

I wanted to submit a copy of my driver license and a phone bill as a proof identity to clear up any record problems. Our address variations are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX These are all the same address and the last two abbreviations were used for fifteen years without problems. Recently, our post office wont deliver certain mail or packages if the street name is XXXX XXXX or XXXX XXXX. 
I did get locked out of Experian due to one of the variations being listed as previous address, which is not correct. 

Once again they have errors in their records, because I answered questions No. 1, 2, and 4 absolutely correctly. Question No 3 was about credit card names, which I did not recognize. I verified the information per their XXXX credit report for my husband dated XX/XX/XXXX and my credit card statements. This report was provided to him due to a complaint filed with your office XX/XX/XXXX ( Complaint No. XXXX ). 

I am also running into problems with Experian listing an employment at XXXX XXXX, which is my husbands previous employer, not mine. I wanted to make sure XXXX   does not list it as well.

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 2018-03-01 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: Riverwalk Financial Corporation
State: NC

Complaint narrative:
I sent a letter of Validation on XX/XX/XXXX I have not received any response from this company. I have attached the certified letter that they received on XX/XX/XXXX. I also fax and e-mailed this company the same letter that is attached with still no response. This company should not be allowed to report information on my husband and my credit that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: Exeter Finance, LLC.
State: NV

Complaint narrative:
I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with Exeter. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX sold my loan to M & T Bank , M & T Bank messed up my escrow account, causing my payments to double. I was advised by another banker to default my loan for them to fix my escrow. Upon doing so, M & T Bank offered a loan modification. The first loan modification was rejected because one signature was not shown on the documents and I was not advised. M & T Bank started a second loan modification which was approved. During this time, I had ALWAYS made payments as they requested, however, once the loan modification processed it showed I had not paid for years, which is completely UNTRUE. I am looking to purchase a second home and need these missed payments to be removed.

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 2018-03-01 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX XXXX XXXX response to my initial complaint is insufficient and did not address the issue. I was not informed of an outstanding balance being a {$620.00} Wear & Tear fee at the time of leasing another XXXX vehicle. I was informed there was a Wear & Tear fee that was taken care of by the Hyundai XXXX dealership and that was it. Once informed via letter in XX/XX/2017 about a {$620.00} Wear and Tear fee, I immediately called the dealership to inquire why this fee was not paid and was assured by them it was handled. I then called XXXX to inform them that, again, the dealership paid because the dealership continuously told me it was paid. I did my due diligence in trying to remedy this issue multiple times between XXXX and the Hyundai XXXX dealership. XXXX  neglected to admit in their initial response that my account was paid in full by the DEALERSHIP and not by me. Again, no payment that came from me was ever late. Better yet, this late payment they claim was my responsibility came from their own dealership 's checkbook! The Hyundai dealerships payment to XXXX was late. The dealership has even admitted responsibility for this payment ( see letter from dealership attached ). The dealerships manager says, XXXX sent XXXX XXXX a bill and she advised them that the dealership was to pay that amountthe dealership failed to do this. The fact that I, the customer, have been the middle man between these two entities, dealing with their lack of communication with one another and being personally affected by their failure to remedy this situation several times is abhorrent. Had I been told by XXXX  or the dealership to pay a {$620.00} Wear & Tear fee, I WOULD HAVE and quite frankly, I wish I was given the opportunity to do so rather than be lied to multiple times by the dealership that the payment was handled and be in this present situation. Look at my payment history- I have never been late on a payment once in my life and would never not pay an outstanding balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I applied for an FHA mortgage with an exception request and was denied. I was told by my mortgage broker.. '' it had not been enough time ''. 

In the exception request we explained in XX/XX/XXXX my previous home had been foreclosed on. At that time, Citi Mortgage failed remove my name from the deed. I worked tirelessly for approximately 18 months after the foreclosure date to have my name removed with no luck. I finally gave up as I could not afford to pay an attorney to continue to fight this battle for me. 

All the North Carolina state documents confirming the XX/XX/XXXX foreclosure had been attached to the request. 

I have clearly already waited the full 3 year waiting period and now am being told I must wait the full 3 years again. At that point I will have waited well beyond the required waiting period. 

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 2018-03-01 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I sent a letter of Validation on XX/XX/XXXX I have not received any response from this company. I have attached the certified letter that they received on XX/XX/XXXX. I also fax and e-mailed this company the same letter that is attached with still no response. This company should not be allowed to report information on my husband and my credit that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with XXXX. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.

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 2018-03-01 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: NV

Complaint narrative:
I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with XXXX. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This has been going on since XX/XX/XXXX, My mortgage account with XXXX XXXX XXXX   is showing as closed on my Experian credit report, with numerous disputes and even a phone verification in XX/XX/XXXX, Experian continues to report my account as closed, I am unable to get a home equity line of credit or loan because my mortgage is not reflecting on my report, this is causing me stress and harm because am unable to get my financial needs met related to this situation, I will be seeking legal action, it is my right to have my credit report reflecting accurately. 
XXXX is stating that there is nothing they can do and Experian is stating that there is nothing they can do so I am left in the middle holding the bag with nothing in it!! Completely frustrated and disappointed.

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 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Received a phone call from an alleged ( Pro collect ) XXXX or XXXX credit debt collection agency regarding an apartment that was rented, which the operator ( XXXX XXXX and XXXX XXXX ) stated we still owed {$1000.00}, to which we have never received a bill or contact from the Latitude Apartments XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. On XX/XX/XXXX we turned a 60 day notification and asked if we would be able to move out by XX/XX/XXXX, we were told yes they were unable to find our lease, so we proceeded. We turned in the keys and left a clean apartment on XX/XX/XXXX, after that we proceeded to call the apartments on several occasions, to ask if we owed anything we were told no. We proceeded to leave our forward information for any future questions, still not receiving any bill. The collection agency has been a nightmare, very rude staff, and unable to help us resolve this mistake, continually threating to ruin our credit.

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 2018-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Windham Professionals, Inc.
State: LA

Complaint narrative:
For the time that I have been out of school, my student loan has bounced around to different " creditors. '' Each time it has been " sold '' to them, another surcharge has been added. According to my calculations, they've tacked on almost another {$1000.00} dollars on top of my {$3500.00} dollar loan. I have set up payment plans numerous times for them to be paid for about six months and then suddenly stop, putting my loan back in to default and adding on more surcharges. 
Now, my account is currently being overseen by Windham Professionals. I spoke with them around the beginning of XX/XX/XXXX, they were trying to set up yet another payment plan, stating my loan was yet again in default. When I asked to young lady to provide me with any statements or records of my account, she caught an attitude, claiming that I should have records of everything I paid and that it wasn't their responsibility to provide me with any information. 
To me, this seems like I'm being scammed. There should have not been any reason to put a stop on any payments i was making. This seems like they are purposely putting a stop so they can add more fees and collect more money from me. 
In XX/XX/XXXX alone, I paid off {$2000.00}.

in XX/XX/XXXX, another {$510.00} That is just what I've been paying since I've been working at XXXX. I do not have access to the statements from previous employment when I was set up to make payments automatically. 
They are currently saying I still owe over {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On Tuesday, XX/XX/XXXX, my parents received a call for me concerning my Citi Simplicity Card.  This is very odd, as I have lived on my own for 11 years, and Citi does not have this number on file for my Credit Card. On Wednesday XX/XX/XXXX, I logged into my account and was greeted by a splash screen to contact their Customer Service Department at XXXX. I immediately call this number, and I am asked to verify my identity. I provide all the correct information ; however, the representative claims they can not verify me. I am then asked to provide them with a credit card account from another bank. I decline to provide this information, I am then asked to provide my bank account information. I declined to provide this information, and asked to speak to a supervisor. The supervisor stated that all they could do was mail me a letter to my mailing address, in 5-7 business days. Approximately 5 minutes after hanging up from the supervisor, my mother calls me to state Citi was looking for me at their house again. Thinking this was odd, I called the number on the back of my credit card. The representative told me that there was a problem with my account, but he did not know what it was, and that he would call me back on my cell phone. I waited 24 hours with no call back and called the number on the back of my card again this morning, XX/XX/18. I was greeted by a female representative that took all my information, and then states they are having technical difficulties, so I should call back in one hour. Later in the day I call the number again, and XXXX tells me that she can not verify my information. After a heated conversation, she says she has to mail me information, and requests my mailing address. After hanging up with XXXX, my wife calls me to tell me that XXXX from Citi called her cell phone looking for me. Again, this information is not listed on the account. So I call back, as I am pretty angry at this point. to see Why they seem to have information related to me, that is not a part of my account, yet they can not verify my account to tell me what they deem is wrong with 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