vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Just read about deceptive experian/XXXX {$1.00} marketing and then charging $ $ for unwanted services. I 'm a senior citizen who they took advantage of by charging me hundred+ $ $ per month on my credit card for over a year before I realized what they were doing. I complained by phone but they were obnoxious and would not return my $ . It was XXXX of these XXXX companies but I can sure use your help getting my $ $ back. I 'm retired And told them at the time over the phone they were thieves to force a service I never enrolled for and had no use for. Please Help.

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 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In XXXX 2016 I faxed a letter to Experian with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX {$5100.00} is showing good on all XXXX credit reports Cause they are not reporting this info. to all of the credit companies.

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 2015-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
ALLY BANK BOUGHT A ILLEGAL CAR CONTRACT WITH A FRAUD AUTO DEALER IN NJ,THE DEALER COMMITTING ILLEGAL HARD INQUIRIES ON MY XXXX XXXX, EXPERTS IN THE NJ STATE ATTORNEYS OFFICE, HAS BEEN PROFESSIONALLY INVOLVED IN THE INVESTIGATION OF SELLING A USED XXXX, 2007'
THE XXXX, NJ XXXX DEALER HAD THE  AUTO TOWED TOO A JUNK YARD.
THE CAR WAS IN A ACCIDENT,UNDISCLOSED BY DEALER WITHOUT DISCLOSURES, THE DEALER ALSO CHARGED MY CREDIT CARD,$XXXX'I  I'M ON A NEW LEASE WITH XXXX,
THE BANK ALLY WAS TOLD BY ME, THAT I DON'T HAVE A CONTRACT WITH ALLY AUTO FINANCE DEPARTMENT.
I'VE HAD MAJOR PROBLEMS WITH ALLY BANK, THEY PAID THE DEALER FOR THIS CAR, EVEN THOUGH THEY WERE NOTIFIED BY ME,THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE
I'VE BEEN PROFESSIONALLY INVOLVED IN THE ILLEGAL USAGE OF MY CREDIT REPORTS
THERE ARE THREE MONTHS OF INVESTIGATION BY ME AN THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE INVESTIGATION DIIVISION,,MOTOR VEHICLE COMMISSION OF NEW JERSEY
CONTACT ME ASAP TOO DISCUSS THIS CAR DEALER BANK,,ALLY FINANCIAL DIVISION.
MY PRIVATE INFORMATION IS AVAILABLE ON MY EMAIL ACCOUNT OR CONTACT ME AT XXXX. ASAP
THANKS
XXXX
.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: OK

Complaint narrative:
We needed money to pay the rent, car, and food for the two months I was without a job. I am not educated with money and we needed money really bad. I borrowed XXXX dollars from XXXX XXXX / Cash Call. There was instantly a XXXX processing fee, so I basically borrowed XXXX. Since XXXX 2013, I have been paying XXXX dollars per month. Today, I still owe Cash Call 2500 dollars. The interest that I am paying against is evil. I will never be able to pay this off. To date I have already paid approximately XXXX for a 2300 dollar loan. I do not know what to do. I have paid XXXX the principal of the loan. And I still owe them XXXX. I did not know that this loan would be literally putting me in a mountain of revolving debt that I will never be able to pay off. I would like to report them for convincing me to take out this loan. This is a scam. This has caused major hardships for me and my family. We need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Received letter from LoanMe , Inc. offering a loan of up to {$10000.00} at an APR of 99-180 %. 

That does n't sound right to me. The XXXX gives this business an A+ so I 'm not sure if it 's criteria can be trusted either. 

Maybe I do n't understand what a fair installment loan is but 99-180 % APR just seems ridiculous. What makes matters worse is that I could use the money and can just imagine there are folks out there who may just be desperate enough to accept the terms. It just seems wrong that these loan offers can be sent to people when they just seem so unfair.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
CREDIT MANAGEMENT is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a XXXX rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I am disputing a collection debt from JH Portfolio Debt EQ ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with JH Portfolio Debt EQ. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is XXXX whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting JH Portfolio Debt EQ to you so as to warn others about the illegal practices of debt collectors.

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
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
At the end XX/XX/XXXX for the period XX/XX/XXXX to XX/XX/XXXX we had a balance due of {$54.00} on a Menards Big Card, hosted by CapitalOne. We paid that off by check on XX/XX/XXXX, which was cashed by Capital One on XX/XX/XXXX. 

That was the last we heard from Capital One until - the end of XXXX when we received a bill from Menards ( Capital One ). The balance due was XXXX, but they added a {$25.00} 'late ' fee, bringing the new bill to {$180.00}. By looking up the receipt online, I find we charged {$150.00} on XX/XX/XXXX. We never saw a XX/XX/XXXX bill for that charge. 
I do n't think the late fee was warranted, as we had NO record of owing Capital One any money. Regardless - We decided to pay the bill and be done with Menards and Capital One. So we paid them the {$180.00} through XXXX XXXX XXXX on XX/XX/XXXX, who sent it to Capital One on XX/XX/XXXX. 

Capital One claims to not have received that money until XX/XX/XXXX, although XXXX XXXX shows Capital One took it on the XX/XX/XXXX. 

Now ( XX/XX/XXXX ) we get our XX/XX/XXXX statement from Capital One, where they add another late fee of {$30.00}, plus interest of {$4.00} for a bill that WE paid off on XX/XX/XXXX. 

Checked with the CU, they sent it to the right account, and confirmed when CapitalOne Acknowledged getting the funds. 
Called CapitalOne, they were n't helpful only telling me the CU mailed them a hard copy check, which is what took so long. Cancelled the card and told them to send me a final bill. 

After lodging a complaint with Menards - CapitalOne gave us a refund on XX/XX/XXXX of the late fee 's and interest. My complaint stands however as part of this companies record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have been contacted on numerous occasions by the mortgage servicing company, Ditech Financial, LLC on behalf of my deceased mother 's account, whom was the sole-owner of the mortgage debt. The loan inception date was dated back to XX/XX/XXXX, under Green Tree Servicing. She passed away in XX/XX/XXXX ; the family has been in the process of legally obtaining the Administrator of Estate in the state of Georgia. Currently there is not an executive administrator in place in place for any person ( s ) to legally handle her debt with any debtors. We have advised them on several occasions of this matter. I myself have continued to make payments on the mobile home using my fixed income until we can get all the legal matters cleared. Unfortunately, the payments were not made promptly each month and they have called and harassed daily on my cell phone and landline to collect on the account. The main issue is I am not the original loan holder and do not feel i should be harassed in such a manner by the company or its collectors ; they have threatened to come pull the mobile home from the land, mailed certified letters to my address, canceled insurance ( per their conversation ), and will not provide any significant details on the account except the current payment due and demanded I pay immediately using their preferred method of XXXX/or XXXX services to bring the account up to speed. The representative name over our account is XXXX and she has been contacting me for over two years now and is fully aware of my deceased mother and continues to contact me with harassing collection practices. On one occasion a representative contacted me regarding the debt and I advised her of my fixed income situation and the legal proceedings of the Administrator of Estate. The representative advised me the account could possibly qualify for some type of " hardship '' after we brought the account up to date but we have yet to receive the paperwork.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a homeowner who is currently recovering from a XXXX and I have been off work for the past 6 months. I received payments from earned leave and advanced leave from my employer. In XX/XX/2015, my leave reserves were depleted. I still required recovery time, and I was placed on FMLA without pay. I have been unable to pay on my Bank of America mortgage since XX/XX/2015. To date, I have missed XX/XX/2015, XX/XX/2015 and XX/XX/2015 payments. I contacted Bank of America as soon as possible to inform them of my current financial and medical status. I was informed by them to file for the Keep Your Home Program and they can offer {$3000.00} per month toward my mortgage and provide temporary assistance with some utilities as well. I applied with the Keep Your Home California program and I was conditionally approved XX/XX/2015. The KYHC program indicated in the notice that my loan servicer Bank of America must agree to a Loan Modification in order for me to get help. Bank Of America sent me a notice in XX/XX/XXXX stating that I they would be reviewing my account for the Hardest Hit program. Then on XXXX/XXXX/2015, I received a call from Bank of America and spoke to an Agent by the name of XXXX. XXXX stated to me that I have until XXXX/XXXX/2015 to pay {$7.00}, XXXX or they will be issuing a Letter of Intent to foreclose on my home. 
I know that I am behind on my mortgage, and I have been trying to return to work, and hope to return to work soon. However, I am suppose to be in a work-out stage with my loan servicer and I should not be threatened with foreclosure while I am in a work-out stage. 
Additionally, I do n't understand how they think that I can come up with {$7800.00} by XXXX/XXXX/2015 when I am currently XXXX and not working. I had to deal with Bank of America Representatives before, and I have had them laugh in the background, make fun of me, belittle me and try to shame me because of my circumstances. People like me and Homeowners like me need real help and real solutions, and we do n't need people trying to cause more heartache and problems in our lives. We are people too. I am hoping to get back to work soon so that I may be able to continue being a productive citizen in society. 
Bank of America is deliberately, willfully and intentionally trying to sabotage me and keep me from getting the help that I need so they can foreclose on my home. 
I have invested a lot of money into my home, and I want to keep my home. But Bank of America and it 's representatives are giving me the wrong information. I had XXXX from Bank of America tell me that she was giving me a number to the Hardest Hit Program, but she gave me a number to the KYHC program. When I informed her of this, she just non

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I get two to three robo-calls a day from the CBE Debt Collection Group. When I answer the phone there is no one on the line, just a prerecorded message telling me to call them. I have no one who has claimed that I owe them anything ; I have no one warning me that they are turning a debt over to a debt collector ; I have no outstanding debt ; and I am certain this is a phishing expedition or scam, and I am not going to call the CBE Group to reinforce their manipulative tactics and questionable motives. If they believe the CBE Group believes it has a claim against me they can write me a letter explaining their claim and provide documentation or they can call and talk with me directly, but I will not initiate contact with them. I want their harassing calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Addendum to Case number : XXXX. In the documents forwarded to me by XXXX, on XXXX XXXX, XXXX, Bank of America states I received documentation the servicing transfer was mailed to me on or about XXXX XXXX, XXXX. I have attached documentation from the Department of Veterans Affairs, along with a copy of my drivers license, proving my address at the time the notice was allegedly mailed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing sent me a repayment plan with outrageous terms in XX/XX/XXXX. They requested a monthly repayment of {$6600.00} per month for 12 months and a balloon payment at the 13th month for over {$40000.00}. This is extortion. They also provided NPV information with only XXXX items on it. The NPV had old financials from XX/XX/XXXX. They never contacted me to ask me if my income was still current. They also claim that both me and my ex-husband has the same XXXX credit score which is not true. They just pulled these numbers out of thin air and created some foolishness. They also are not compliant with the XX/XX/XXXX final settlement with XXXX and the Department of Justice. Even though that settlement agreement offers consumer relief SPS refuses to offer any consumer relief. They know their days of being in business are over. It seems as though they are trying to get as much money from homeowners as they can before they are forced to close their doors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX : In 1978 either in the months of XXXX or XXXX I had my brother buy me a saving bond for 500.00 dollars then give it to me as a gift.the banks name is XXXX in XXXX.XXXX was the c.e.o at the bank but when i melt him his was just a accountant. checks and bonds was sent to a old address XXXX XXXX XXXX XXXX.someone stole my mail but some how sent the check to XXXX XXXX XXXX XXXX XXXX.the person the got the check give it to XXXX XXXX XXXX XXXX to give to me but he took it to chase bank XXXX XXXX XXXX XXXX to cash it. the bank call me. to see if it was alright to let him cash it over,XXXXtimes I told the lady no.but she acted like she couldnt understand no.or call the police.my check and saving bond are now gone.can you help me.I live at XXXX.cell phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a reservation at a XXXX weeks prior to use. The booking agent would not accept the code for the wedding party discount. I asked to cancel the reservation. He said no unless the motel manger agrees. I asked manager she said OK if the agent agrees. Neither one would cancel and told me there were no cancellations or refunds. 
I appealed to my credit card carrier Chase Card Services and was told I would have to pay even thought they had not seen my circumstances in the form they sent me. 
I was told by Chase Card Services that I would have to pay even though services were not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD bank overdraft fees - set up new XXXX new accts, XXXX saving & XXXX checking with debit card. I was clear I only wanted too use money on my card, but in signing all paperwork I did sign off on overdraft protection. XXXX weekend I had XXXX debit withdrawals ( all under {$15.00} some only {$2.00} ) - they were not deducted from avail cash and all processed on Monday, using the highest amount XXXX ( not the dates of withdrawal ) thus creating {$170.00} in overdraft fees. I went to bank to XXXX ct branch and spoke to branch mgr & Vice President, XXXX fee was removed but would not remove {$140.00}, my mentor then went too see her and was told " it 's all his fault, not the banks, and perhaps we need to due a better job teaching life skills, and maybe he should n't be on his own yet " we 've exhausted all avenues with bank, with no help because they all refere too what this Vice President put into acct, our last conversation was with a customer service supervisor ( XXXX ) that told us nothing could 've changed because it 's all done by computer algorithms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AK

Complaint narrative:
My husband and I received a letter from Loancare XX/XX/XXXX stating that our escrow balance was XXXX dollars short. I called and after a XXXX minute wait, an agent came on the phone. I explained to her, ( agent XXXX ) that I did not understand how there could be such a drastic increase. Our property taxes went down XXXX dollars and her response was that our homeowners insurance increased by XXXX dollars. She emailed me a payment history that could not be read. So I called our homeowners with XXXX and they adamantly told me that they have not processed our XX/XX/XXXX-XX/XX/XXXX premiums and that no one has spoken to a Loancare rep. I asked for that in writing and she sent me an email through our account. Loancare will not respond to my emails or calls. I continue to have XXXX min+ wait times. 
I would like to know where and how they are coming up with an XXXX dollar shortage. This seems unethical and fraudulent. I trust that XXXX is acting with integrity and telling us the truth, Loancare is not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/2014, I had a chapter XXXX Bankruptcy discharged, since that time until the present all of my currently open revolving credit accounts have been paid on time and never late, there are XXXX derogatory items on my credit report. Despite this earnest effort to pay everything on time and be responsible with my credit my, my credit score is still unable to exceed XXXX, despite every account on my report stating on time, never late, my credit score still remains low to poor. It seems as if the credit reporting agencies are intentionally keeping my score low, so I may never be able to obtain a loan or rebuild my credit. I am currently trying to buy a home for myself and my family and this is seriously affecting my life negatively. I have also been very cognizant of the number of inquires and accounts on my credit report in an effort to increase my FICO score, despite my efforts my score continues to remain low no matter what I do.

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