vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
This is related to XXXX XXXX XXXX , XXXX and HSBC Beneficial. In XXXX my wife and i took out a HE Loan with Beneficial Mortgage ( HSBC ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with Beneficial Finance. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, Beneficial sold my loan to XXXX, XXXX. There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from XXXX for the lien they assumed from HSBC, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by Beneficial. I am being told by XXXX XXXX , XXXX that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told XXXX  the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact HSBC Beneficial other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Student Loan policies are designed to maximize interest charged. You are forced to sign up for autopay or you will pay 0.25 % more. The autopay can take out anywhere for 1 to 3 days to take out payment. I pay average of around $ XXXX/month or more in interest, so you are looking at up an extra {$60.00} dollars interest per month. 

In addition, the information in account balance, monthly statement and student loan history ( which can be requested after struggling with hours of arguing with customer service ). 

Any time you make any changes to your account, discover re-calculates your interest and increases it. 
There needs to be transparency and illegal practices need to be stopped. I would like beg to lawmakers or anyone who can help to please -please -please don't torture the payer. I am already paying so much interest and making on-time payments plus taxes. Can anyone help. I have paid more than originally borrowed amount. I am not asking for forgiveness, I am asking for transparency. I need to know where my hard earned dollars are going??????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have not received receipt of my Mortgage Loan Modification Application I sent via certified mail for the past 3 months. 
BANA has removed my ability to upload documentation to my borrowers portal making it impossible to provide additional documentation should you require it. 
BANA has failed to remove my loan from a foreclosure status though they have been provided ample and adequate supporting documentation providing you the proof that my loan application was received XX/XX/2018and moved to an attorney for foreclosure purposes less than 2 weeks later.

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 2018-09-25 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: The Outsource Group, Inc
State: NC

Complaint narrative:
In XX/XX/2018, I sent a letter to XXXX concerning payment for a debt. I requested them to remove this debt amongst all the credit bureau 's if I paid off my entire amount. They responded and said yes they will. On XX/XX/2018, I spoke with a representative named Ms. XXXX. I again asked her if they would removed this debt if I paid, she said she would submit my request to a supervisor and for me to call back. I called back not too long after, and they again stated they would remove this debt completely off of my credit report. Up until XX/XX/2018, this debt has NOT been removed as stated.

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 2018-09-25 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: PMAB,LLC
State: NC

Complaint narrative:
In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to XXXX, along with XXXX. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both XXXX   and XXXX have NOT removed this debt off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to XXXX, along with Equifax. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both XXXX   and Equifax have NOT removed this debt off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
My car had to undergo repairs at a shop in XXXX, Fl around XXXX of this year 2018. The store recommended, because of the amount of the cost for the repair, to get approved by a company who will do the financing, ACIMA from  Utah. Those people immediately called me and started sending me text messages for me to sign the " agreement '' OVER MY PHONE. They were giving me just minutes as deadlines to get the ball rolling and be able to take my car from the shop. Unfortunately, and due to the pushing and the deadlines, I did that and signed over the phone, without being able to read the " Agreement '' in its entirety. 
I had to leave the country on XX/XX/2018 and returned last XX/XX/XXXX due to a family issue ( death in the family ), and to my surprise, yesterday I received a call from ACIMA, telling me I was behind on the XXXX and XXXX payments because they were unable to pull the payment from the Card on file. My bank account got hacked during my trip and because of my circumstances abroad I didn't have my new card which was sent to my home in USA, and didn't even think about that payment coming out of my card either, but once I explained that to the person who contacted me yesterday, I asked him, just by chance, what was my payoff. That company is a total ripoff, they charge usury charges that are in the range of 100 % or more annual interest. The original amount being supposedly " financed '' was {$390.00} Dollars. they had me pay {$53.00} at the beginning, to them tell me that amount was " added '' to the " lease '', and that they are not " financing '' but " leasing the debt ''! 
Once I got back home I went online and was finally able to read the whole " agreement '' I was forced to sign over the phone without having a chance to read it. As per their agreement, the total amount I would pay if I waited 12 months, will be {$800.00} + dollars. That is more than a 100 % interest rate per year, which, as per my understanding, is illegal and a crime in the US based on usury practices! 
I spoke to a supervisor over there at ACIMA and she told me that if I had paid the whole amount back on XX/XX/XXXX ( just a week ago, and while I was abroad ), my payoff amount would be in the range of the {$400.00} 's dollars.I had paid them {$220.00} already, on a debt of {$390.00}, yet they are pretending to charge me {$75.00} dollars for not paying off on the XXXX, plus {$50.00} more for not being able to pull both payments, plus I am not sure what, for the total above or more! 
So that's where I am standing and I refuse to support those usury practices and pay those outrageous amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I contacted an A/C company ( XXXX XXXX XXXX XXXX XXXX ) for repair a few weeks ago. I spoke with them on the phone before they came and they promised they would provide a solution. The technician arrived an hour late and look a brief look at the system. He told me he was not able to fix it and walked away. I had to call another A/C company and they came over and fixed it quickly. 

The first A/C company charged me {$100.00} for the home visit. I felt this is extremely unfair because they did not provide me with any solution as promised while another A/C company fulfilled the job fast. It is very deceitful for the merchant by just collecting home visit fee without doing any real work. 

I contacted Chase for disputing this charge. The rep was not interested in my arguments at all and only said they could not help me with the claim. I felt they did not try to help me, the cardmember, work things out. They just wanted to close the case. This charge is an extremely unfair one to the cardmember and Chase chooses to not to back its customer up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
HSBC refuses my repeated request that it send me a check cor {$150.00} in redemption of its promotion of {$150.00} for {$500.00} charged by me to my HSBC credit card within 3 months! I have repeatedly told HSBC I find redeeming the cash online impossible to do after several attempts! It has provided me with NO help. I want a check cor {$150.00} promptly sent to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MO

Complaint narrative:
This company is attempting to collect a debt that has not been VALIDATED or VERIFIED. I asked the company for VALIDATION of this debt and they have failed to do so. They sent me billing statements which is not VALIDATING this debt. Also I've previously disputed this company for this same reason and somehow they managed to get back on my report, they did not notify me within the allotted time period they were going to add this back to my credit file. Therefore this needs to be removed from my credit report and this company needs to cease communication with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I went to XXXX and needed {$700.00} to fix my car. I did not have the funds to fix my car and the repair person gave me a referral to XXXX  XXXX. I called the phone number. I do not remember the person explaining that they were going to pull my credit report. but it was pulled. They wanted to give me a car title loan. I knew that I did not want a lien on my vehicle. 

I use XXXX XXXX and saw the hard inquiry on my credit report. I have been working with a local, non profit credit counselor and we discussed this hard inquiry. 

Later in XXXX, another hard inquiry from XXXX  XXXX  from XX/XX/XXXX. I definitely did not call or talk to them about this inquiry. In speaking with XXXX, the Branch Manager, at Eagle, he says that I called him. I did not. 

I was upset enough about the first hard inquiry in XX/XX/XXXX, I definitely did not contact them again in XX/XX/XXXX. XXXX also stated that the reason I called for the loan was due to BILLS. I do not need money for bills. 

I asked XXXX if he could go back and listen to the recording of these phone conversation and they do not have recordings of their conversations. 

Yes, I got phone calls and yes, I got letters. I did not contact them again once I found out that they wanted to put a lien on my old XXXX XXXX XXXX. 

I have disputed both hard inquiries through XXXX  and XXXX. XXXX took them off. XXXX  states that they stand due to XXXX XXXX  stating that I am the one that initiated these loans. I called the Branch Manager to see if he could assist me and he insists that I called in for the loan in XX/XX/XXXX. I know that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all 3 Credit Bureaus and XXXX as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court.  So the credit bureaus and XXXX verification method on how they verified the Bankruptcy is invalid.

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 2018-09-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have previously submitted a dispute due to Equifax not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through XXXX XXXX, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. XXXX XXXX sent me mail showing the account satisfied and closed. On XX/XX/2018 Equifax reopened this paid closed account to unpaid with balance of {$160.00}. I called XXXX XXXX XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with Equifax because them had indeed sent Equifax my file for this account being paid and closed. Equifax had severally damages my credit because of their negligence and I am ready to sue them over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
The loan is for 8.75 % and I was paying it on time for a number of years until the economy took a dive. I asked several times to be refinanced and they said no. I have asked many times for some help with HARP and they said no. Can you please see what is going on? They kept adding charges which is now over {$19000.00} which will prevent me from ever catching up when I am only 1 payment behind. They are charging me {$15.00} a week for someone to driveby and take pictures. It adds up quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
have been disputing a Chapter XXXX Bankruptcy with XXXX since XX/XX/18 and have sent multiple letters asking for verification. XXXX ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, XXXX ' claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.

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 2018-09-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
have been disputing a Chapter XXXX Bankruptcy with XXXX since XX/XX/18 and have sent multiple letters asking for verification. XXXX ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, XXXX ' claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.

Company response to consumer: Closed with explanation