vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
I believe I was a victim of predatory loaning. I was given loans of over {$20000.00} while homeless with absolutely no way to pay them back and was not given proper counseling. There was no system in place to decide if I was a proper candidate to recieve loans and in all other situations where lenders are in involved it would be impossible for a person with zero income that was also homeless with very poor credit to recieve such massive loans. I believe these practices are predatory and should be illegal. I do not know how to continue with this complaint or whobto contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.

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 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC recorded late payments to the three credit reporting bureaus for a credit card I have with HSBC. I rarely use this card, whose last four digits are XXXX. The dates of the two late payment notices that I am aware of are for XX/XX/XXXX, and XX/XX/XXXX. The two charges involved were a {$5.00} airport kiosk charge in XX/XX/XXXX, and a {$100.00} XXXX XXXX XXXX donation in early XX/XX/XXXX that was refunded to me when the XXXX XXXX XXXX  participant did not reach her goal. I never received a paper statement or paper bill showing any amounts due for these two charges. Then in XX/XX/XXXX, I received a paper bill, showing overdue amounts, including late payment charges. I called HSBC and they said that they sent me electronic billing ( via email ) because I had signed up for electronic billing. I never saw any such electronic bill. Since I NEVER SIGNED UP FOR ELECTRONIC BILLING AND ALWAYS RELY ON PAPER BILLS, I was not looking to receive any electronic bill. After some negotiations and speaking with an HSBC supervisor at the HSBC collection department, HSBC agreed to remove the late charges, and remove the late payment notices from my credit reports. Although the late charges were removed, the late payment notations on my credit reports for XX/XX/XXXX and XX/XX/XXXX were never removed. I called HSBC customer service department and they said I owed them {$5.00} from XX/XX/XXXX. I paid the {$5.00}. However, HSBC still refused to remove the unwarranted late payment entries from my credit reports, thus damaging my credit rating which was over XXXX and is now under XXXX. Again, HSBC 's claim that I signed up for electronic billing is false -- I NEVER SIGNED UP FOR ELECTRONIC BILLING and never received any paper statements regarding the two charges discussed above, which is why I didn't make any payments. Thus, in all fairness, the HSBC late payment entries should be removed from my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
STATE COLLECTION SERVICE IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!. I believe it's also a violation of the HIPPA ACT by placing my medical information on a credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I was contacted in XX/XX/XXXX by a company that had an unknown number, telling me I have a bill from XX/XX/XXXX from XXXX ( spelling? ) I asked what the bill was about and to send me back up documentation. I still have not received it. They had my email address and I told them to send to my email address. I would not give them my mailing address. I contacted XXXX and they have been sold, I went thru 3 hours of people trying to find my account and the final lady told me well good luck, those people do not care what they do and they will put it on your credit. 

I called back to Southwest Credit Systems and they refused to let me talk to anyone in corporate or anyone that could send me a copy of the bill. 

They just put it on my credit this morning, I called them immediately and the call was recorded and the lady refused to say any more after I told her I never lived at that address and gave her my address in XX/XX/XXXX and the internet company I had. 

I am purchasing a home for my XXXX year mother and I and it has killed the deal most likely. I do not know owe this bill. How you can let people do this people I just do not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mobiloans, LLC
State: MI

Complaint narrative:
I applied for a loan through Mobiloans to help improve my credit score by making regular payments. I was approved and made every payment on time and paid in full successfully. I noticed that they had not reported any information to XXXX or XXXX. I called Mobiloans customer support on XX/XX/XXXX to inquire about why it has not been reported to all three agencies and also to ask them to report it. They told me that I would have to send them an email with the request to XXXX - I sent the email request on XX/XX/2018. In the email I clearly stated that I would like my loan account and all payment information reported to all three credit bureau 's ( XXXX, XXXX & XXXX ). I also indicated my name, email address, phone number and my loan account number. I never received a response indicating that they had received the email or if they were investigating my request. I called mobiloans customer support line again on XX/XX/XXXX to inquire about my request and to ask why I still have not had a response. They told me to send the request again and also copy the support email box and they would make sure the information was going through and the request was being handled. On XX/XX/XXXX I forwarded my original email and also included additional information and sent it to XXXX and XXXX. As of today, XX/XX/XXXX I have still not had any response from Mobiloans. They have not acknowledged that they have received my email requests and they have not made any attempt to contact me with any information regarding my request

Company response to consumer: Untimely response
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
I had a secured credit card for {$300.00}. I got behind on payments for a couple months 2 years ago XXXX XXXX XXXX closed the account and put me on a payment plan I was paying {$75.00} to {$55.00} dollars every other month than they sold it to XXXX XXXX and there aggressive Attorneys who filed a judgement against me when we only make when we only made {$42000.00} a year. The amount they are trying to collect is {$710.00} and my Credit Card was only a {$300.00} limit which I had been paying on for at least 6 months. They keep going to court and calling and harassing us my wife had major XXXX and is now having to go through another one. We have been hit hard with the loss of some of our income and we have XXXX children. My credit is now ruined because they filed a judgement against me that was an incorrect amount and extremely high. I have 2 jobs and we can not pay our mortgage we were trying to get a home modification and add me to our house as my wife no longer makes enough to be granted one and now we can not. This is the only thing on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: AR

Complaint narrative:
I was on XXXX XXXX in the XXXX XXXX at the time I incurred the debt, by being taken to the emergency room. This was XX/XX/2012. My XXXX should have covered it. Nonetheless I did pay the {$480.00} some years later to XXXX XXXX XXXX XXXX The amount incurred or being attempted to collect is {$480.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Loan was paid off last year. Received letter, check confirming overpayment. Bank of America refuses to removed loan from title report and release UCC. Second loan dates back XX/XX/2005, loan is closed. Loan was with XXXX XXXX and the loan was replaced by Bank of America after merger with XXXX XXXX. Title report reflects XXXX dollars on loans paid off. Bank of America refuses to remove loans and UCC FILINGS OFF THE TITLE REPORT.

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 2018-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Contacted " XXXX '' for the purchase of a puppy golden retriever " XXXX ''. The charge was {$550.00} and there were text messages back and forth, transferred money via XXXX, and " XXXX '' disappeared the website went down. I filed a police report in XXXX XXXX County, and went to Wells Fargo with said police report, they said they could not help. Went to XXXX XXXX XXXX and they too said they could not help. I lost {$550.00} and no one is able to help with this fraud.

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 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I am currently in repayment for my student loans, and planning on using the Public Service Loan Forgiveness Program. I have been paying my loan since XX/XX/XXXX, and have never been delinquent on a payment. The loan servicer has claimed that only 33 payments are valid and count towards the PSLF. In XX/XX/XXXX I requested confirmation of how they came up with only 33 payments, and I have not been able to get any information from the current servicer or the prior servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED O N MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My XXXX year old father went to his PNC Bank in XXXX MD with a withdrawal slip in hand to get cash from his checking account. He does not use the cash machines at his age. 

My father asked XXXX at the PNC Bank front desk to help him fill in the withdrawal slip to get {$400.00} cash from his checking account. Instead XXXX talked my father into getting a second credit card ( he already has a XXXX credit card from this bank and puts about $ 1,000/month on it ) XXXX neglected to tell my not-tech savvy father that this new credit card had a annual fee of {$85.00}. My father didn't need this, didn't want this and asked me to help him figure this out. Shame on you, XXXX! 

I'm sure XXXX decided her signing bonus was worth more than talking an elderly individual into something they didn't want or need. I find that reprehensible. 

I am ... a daughter who is helping her father stay independent by being his bookkeeper.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Three months ago, I contacted Bank of America ( BOA ) to have my address changed from XXXX to XXXX XXXX. BOA sent the title to NJ DMV and I was able to register and insure my vehicle with my new address.

One month later, I fully paid off my auto loan. My loan was opened in XX/XX/XXXX and I fully paid it off in XX/XX/XXXX. After the loan was paid, I called BOA and they informed me that the title would be mailed out to me 10 days. 

After one month had passed, I contacted BOA again, this time they informed me the title was accidentally mailed out to the old address. I don't know how something like this was even possible since the change of address 3 months earlier was facilitated by BOA.

Now they have informed me, they will be mailing out a lien release. In addition to the inconvenience, it will cost me approximately {$94.00} to obtain a duplicate title from the DMV which BOA is not reimbursing. The manager I spoke to was unapologetic and quite rude. 

Why should I pay for BOA incompetence? I have never been late or missed a payment and I have worked very hard to payoff the loan in less than 15 months. Its extremely unfair that I am now driving around in a vehicle that is fully paid off with nothing to prove I am the owner. I am annoyed and very disgusted with this company. 

I want to add also that I have another car and loan with XXXX XXXX XXXX ( XXXX ). Address had also been changed and the loan was also paid off at the same time. XXXX mailed me the title to the in title to the correct address in 10 days. Agent I spoke to was pleasant and very helpful. 

Just want to remind anyone reading this that you have a choice as a consumer. After this experience I will never again do business with Bank of America.

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 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
Repeated calls on my cell phone from BBVA Compass at XXXX and XXXX   concerning some type of debt of which I have no knowledge. I attempted to contact the caller  but was able to do so. It is not my debt. The debtor 's name caller use is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EMBRACE HOME LOANS
State: PA

Complaint narrative:
On XX/XX/XXXX I received a certified letter from my county tax bureau that I was in default of paying my local school taxes from the previous year - XXXX. 
The amount due ( with penalties ) is {$2800.00} that was to be paid on XX/XX/XXXX. The bill was to be paid via escrow by my company EmbraceXXXXXXXX XXXX, but was rejected back to the mortgage company on XX/XX/XXXX by the local tax collector in my School District for an unknown reason. 
No other payment was made after XX/XX/XXXX, and I was not notified of a problem until I received the certified letter from my county in XXXX. 
On XX/XX/XXXX, I faxed all of this information to Embrace and asked them to pay before the deadline ofXX/XX/XXXX. I have made several inquiries since then as to the status of this problem with no resolution. As of today XX/XX/XXXX, I have had no correspondence that assures me that this will be paid on time. If it is not, new fees will be assessed.

Company response to consumer: Closed with explanation