vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
I have a checking account with HSBC. The account was hacked on XX/XX/2018, and a fraud wire transfer of {$8200.00} was made. The wire transfer intended to send money to XXXX XXXX. XXXX XXXX contacted me on XX/XX/2018 because they thought this wire transfer was suspicious. I confirmed that transfer was fraud and contacted HSBC on XX/XX/2018 to cancel the transfer. I was told by HSBC that the money will go back to my account by XX/XX/2018. I haven't seen the money in my account yet so I called HSBC on XX/XX/2018 to inquire about the status of my money. After a long wait, I was simply told the transfer was cancelled and the money will be back to my account in a couple of days. I called HSBC again on XX/XX/2018, but the money was not in my account yet. I have difficulty in reaching a HSBC representative who could tell me when the money will be back to my account. I would appreciate it if you could help me find out when the money would be back to my account. 

Because it was extremely difficult to reach a HSBC representative, I filed a complaint through their live chat on XX/XX/2018 ( the confirmation number is XXXX ). However, none contacts me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-10-25 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
My credit card company, Barclays, has repeatedly pulled my credit without my consent or authorization. Every time I ask them a question about my account, they pull my credit. They have done three hard pulls to my credit without my authorization this year. I would not ask them any questions, if I knew their intention was to do a hard pull on my credit. I want all of these hard pulls to my credit removed immediately. 
BarclayBank Hard Pulls XX/XX/XXXXXX/XX/XXXX XX/XX/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 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
On XX/XX/2018, I contacted XXXX XXXX XXXX to obtain an estimated payoff for my current balance of {$530.00}. An estimated payoff would factor in residual finance charges and the " bogus '' {$12.00} monthly maintenance fee charged by XXXX. I chatted with XXXX and then XXXX who both said that they do not provide payoffs. I then left a message for XXXX XXXX ( an exeuctive in the XXXX office at XXXX ), but I have not heard back from him. I then called XXXX 's Customer Service and spoke with a representative who was totally and absolutely clueless. In fact, I think he was in another country. He had no clue about providing a payoff. He tried to refer me to Consumer Credit Counseling but then said that he could not because the account was current. By my calculation, an estimated payoff would be {$560.00}, but I could not pay it online because it is more than the total balance. As such, I paid {$530.00} online to post today, XX/XX/2018. I do not want to receive another bill for any fees or finance charges because I tried ( to no avail ) to payoff this account with residual finance charges today. Yet, XXXX apparently has a practice, perhaps illegally so, of not allowing customers to include finance charges with their final payment. I see this as just another way to continue billing finance charges and fees. This is not fair to the consumer and should be illegal. According to this practice, a consumer would never be able to zero out the account because fees and finance charges would continue. I also want a letter from XXXX stating that my account has been paid off in full. XXXX needs to be investigated for illegal practices -- charging annual fees on closed accounts, billing {$12.00} monthly maintenance fees on closed accounts, and refusing to provide estimated payoffs to factor in residual finance charges. I will be searching for a class action attorney because these illegal and abusive practices must stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2018 I received an e-mail from XXXX including a tracking number and shipping details for a payment of {$500.00} that I did not make. The e-mail appeared to be from XXXX and the seller was listed as : XXXX XXXX and the e-mail was : XXXX. The e-mail included my current address and was sent to my current e-mail address. I did not purchase anything through XXXX and did not authorize any payment of {$500.00}. My credit card was charged the {$500.00} on XX/XX/2018. 

Within 24 hours of receiving this e-mail and the unauthorized charge, I immediately contacted Bank of America to report the suspicious activity and the unauthorized purchase. The money was credited back to my account on XX/XX/2018. 

A few days later, a manila envelope was in my mailbox, with no return address. I opened the envelope and inside there was a crumpled and ripped up magazine. There was nothing else in the envelope. I could not return the contents as there was no return address. The tracking number also was updated to say my " package '' from the unauthorized vendor had been delivered, further confirming that the envelope with a crumpled magazine was part of this {$500.00} scam. I did not authorize any purchases, nor did I purchase a crumpled and ripped magazine for {$500.00}. 

On XX/XX/2018 I received a one page letter from Bank of America saying the following : After a review of details you provided, we've determined that no fraud has occurred. As a result, you'll be responsible for the balance on the account in accordance with your Account Agreement. The adjustment ( s ) will appear on your monthly billing statement. 

Again, I immediately contacted Bank of America. They informed me that through the investigation they contacted the merchant and he said that I received the package. Therefore, according to Bank of America, because I received the package and did not return it ( despite not ordering this package and having no way to return it with no return address ) that I was being held liable for the {$500.00}. They informed me that they would re investigate the claim. I reiterated multiple times to Bank of America that I do not use XXXX and I have documents that show an outdated XXXX account ( which includes an expired e-mail address, an address where I have not resided in over three years, and an outdated debit card ). Furthermore, when I was able to access this old XXXX account, there is no record of any purchase being authorized, no record of XXXX, and no history of any payments.

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 2018-10-25 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: EQUIFAX, INC.
State: DC

Complaint narrative:
None of my current loans are showing up on my credit report with EQUIFAX only. The other two agencies are accurate. I called my mortgage and auto loan company and they both confirmed they are reporting to all three agencies. 

When I call Equifax located in the XXXX, I have a hard time understanding or hearing them and I am not sure they understand what I am asking them to do. They were so focused on the security questions, we did not spend much time addressing the problem. For example, they kept asking me about an AUTO loan which I explained YES, I have a current AUTO loan with XXXX XXXX. They asked about about another AUTO loan and I explained, I did not have any other auto loans. I then asked, could you be referencing a MOTORCYCLE loan? They would not answer me. I had a MOTORCYCLE LOAN with XXXX over 10 years ago. Once I was able to actually get my report and use it to answer the questions, I was able to answer the questions successfully. 

Again, they went back over 10 years- no way I can remember credit cards and balances from 10 years ago! Not a fair or good process to confirm identity. I ended up having to send my drivers license, social security card and passport via fax and they still gave me a hard time with security questions but never addressed why nothing was updated on my account since 6 years ago. They were clueless and not helpful at all. I spoke with 5 different people yesterday and today and hence I won't likely be getting refinanced anytime soon without my EQUIFAX report being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened my account with Citibank back in XX/XX/2018 under the promotion bonus of depositing {$15000.00} ( within first 30 days ) and maintaining it for 90 days to earn {$400.00}. I had completed the deposit as soon as I was able to access my account online, and the money is still in the account from XXXX through end of XXXX now. I have for more than 60 days for them to deposit my bonus. My last complaint was filed on XX/XX/2018 with reference number XXXX. I prefer to be contacted via email, I was told they would resolve the issue with 24-48 hrs and the promotion team is working on it. I checked again on XX/XX/XXXX via online chat and was told I should hear back in 24-28 hrs. I contacted them today via online chat and the rep said they have until XX/XX/2018 to respond ( not resolve ) to the query. This is the first time I am being told about it. Upon further questioning, I was told to contact Central Dispute unit. 
When I did that via phone, I was told they are working on it. I told them this is not a fraud issue, it is a simple straight forward question of whether I have met the requirements and when they will deposit my bonus. The rep did not answer it. When I pressed further how long it would take " and do I have to wait a decade for an answer to the query '' she said the 24-48 hr timeline is incorrect, she does not know why I was told that and that they can take up to 45-60 days just to respond to the query ( not resolve ). 

I feel they are not honoring their terms. And skirting the rules. Please help me get this resolved.

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 2018-10-25 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: Carter-Young, Inc.
State: GA

Complaint narrative:
My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the credit bureau. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: Darnel Quick Recovery, Inc.
State: GA

Complaint narrative:
My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the credit bureau. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jeffrey G. Lerman, P.C.
State: NY

Complaint narrative:
Medical bill that was paid by insurance company was obtained by JEFFREY LERMAN XXXX XXXX XXXX license # XXXX and he attempted to collect on a bill from XXXX XXXX that was paid by my insurance company, XXXX. Imagine if I had not been an educated, English-speaking person able to handle this? This is despicable behavior - it is billing fraud which is a felony. Shame on this guy!!! I am reporting him to every city, state and federal agency able to investigate this illegal and dishonest practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-10-25 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: GA

Complaint narrative:
XXXX report # XXXX for XX/XX/18 and XXXX XXXX file number XXXX for XX/XX/18 and equifax XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
experian report # XXXX for XX/XX/18 and XXXX XXXX file number XXXX for XX/XX/18 and XXXX XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.

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 2018-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: ONY GLO, INC.
State: CA

Complaint narrative:
I went to OGI Mortgage Bankers to help me with an equity line of credit against my property so that I could pay off current good credit cards and prepare to invest in about 6-8 months. XXXX XXXX, the Loan Manager agreed to work with me, but he failed to provide an ethical process and my credit profile was damaged. 

The list of issues outlined below is taken from an email that I sent to the attorney of OGI Mortgage Bankers/Ony Glo, Inc. 


1. My credit score was NOT an issue when I approached XXXX of OGI Mortgage Bankers, for the Equity Line of Credit request. I approached XXXX for an Equity Line of Credit because I was looking to invest in property within the next 8 months. I wanted to pay off my current debt to raise my credit profile so that I could invest. 
2. XXXX began the process to re-finance my property because he said it was a quicker and surer way to resolve debt and raise my credit profile to expedite investment opportunities. 
3. My credit and/or score was NOT mentioned as a problem to secure the re-finance. My outstanding student loans was mentioned as a factor. 
4. When XXXX failed, to his own written admission, to provide what he promised, I requested him to cease ALL loan processing. 
5. I secured an Equity Line of credit loan ( as initially requested ) within 3 weeks by XXXX XXXX XXXX. 
6. XXXX was negligent, unprofessional, and dishonest. This has negatively impacted my credit. I am requesting OGI to make this right!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
So on the early morning of XX/XX/18, i was awake whena depost came through that I had been waiting for that i really thought would show up at another bank. I immediately transferred the money to another account so that i could withdraw the cash Wednesday morning at the branch. I went into the branch on XX/XX/18 ; Wednesday and withdrew XXXX from this other account. While at the branch, i was never told that my account was overdrawn and when looking at the app i never saw a pending transaction, or a scheduled transaction. On the morning on XX/XX/18 i woke up to my account being overdrawn by XXXX and some change. I called navy to find out what happened and to get them to reverse the payment that was made to a checking line of credit. I was told that i set up an automatic transfer, which i never did, and that the payment would not be reversed. I spoke to at least 3 representatives that did not really know how to handle the call and then i was transferred to a manager who insisted on talking over me and saying that the only one who took money out of the account was me and not navy. Why would i be allowed to transfer, and withdraw money that is not available for me to do so, especially if the line of credit is frozen and would not cover any negative activity on it. This should have never happened. I would also like a time stamp of all transactions which i was told was not available. At the end of my conversation with the manager i did have a little bit of an attitude, but i was cordial and polite and told him all my info was up to date with the bank. O hung up not satisfied and the banker telling me that instead of owing money to line of credit i now owe the exact ammount to brong my account balance back down to XXXX. I would like them to show me that i have a signed contact ; which is a meeting of the minds with 2 signatres show navy took from their profits and that navy has been harmed in anyway. They have not, but i have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have had my loans since XXXX. Started with a balance of approximately {$30000.00}. It is now XXXX and I owe over {$32000.00}. I have paid them different payment amounts each year, 4-5 years anywhere between {$36.00} - {$120.00} since it varies due to their plan and my income. How am I ever going to pay them off if out of this entire time and I can't seem to ever lower this balance. Instead it continues to increase rather than decrease!! This is a total scam these people have and someone needs to do something about it!!! 
Nobody there seems to be able to give me a logical explanation as to why the balance has not gone down at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I work as an RN for a non-profit and was under the impression that I would qualify for public service loan forgiveness. I went through the appropriate steps of consolidating my loans ( per Navient, formerly Sallie Mae ) and was guided towards a specific repayment option. It is now 6 years later and I am just finding out that the repayment option that I was guided to is INCORRECT and INELIGIBLE for the program, and that I essentially have 20 more years of repayment under my current option, NOT the 4 years I thought. I am now in the process of changing my repayment option but have to restart with 10 years of payments. 

I was guided by Navient ( Sallie Mae ) officials to Consolidate under Direct Loans, and then use Graduated Repayment, which per them, was an acceptable method of repayment for PSLF. I have been hearing about this problem in the media, so I did a little research to find that I also have been a victim of this misinformation. 

I believe I started repayment after consolidation around XXXX/XX/XX/2012, with $ XXXX consolidated under Direct Loans. I have not missed a payment and very responsible with my finances. This whole situation is sickening. I would have chosen a different payment method from Day 1 if I knew I wasn't eligible for Public Service Loan Forgiveness. I have been seeing a lot on the news about lawsuits against Navient for this exact reason, but it being held up by XXXX and XXXX. I do not know what I am supposed to do at this point. 

I know that there is Temporary Expanded Public Service Loan Forgiveness that is supposed to address this issue, but you can only apply to that if you have made 10 years of payments. I am only 6 years in to my payments, but what am I supposed to do moving forward? If I don't qualify for PSLF I want to chose a different payment method that accrues less interest, but I also don't want to switch my payment method and get penalized for it.

Company response to consumer: Closed with explanation