vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
More than two years ago, I fraudulent account was opened in my name with HSBC. I immediately contacted them and asked to close the account since it was a result of my identity being stolen. HSBC refused to act. Since then, I receive a statement every three months, and I call their fraud helpline to ask them to close the account. This has been going on for two years, and always HSBC refuses to close the account. They have never gotten back to me to let me know what they would do about this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
We purchased a XXXX Hyundai XXXX on XX/XX/2020. It was financed through Hyundai Finance Company, loan XXXX. 

We financed at 4.85 % an amount of {$18000.00}. Total of payments to be {$20000.00}. Our monthly payment per the Truth in Lending form is {$280.00}.

Since loan payment, Hyundai Finance has been charging us {$300.00} per month. I have called them now 3 times to dispute this and have it fixed, and each time Ive been told they are sending it to their rebooking group to fix as the paperwork they have also shows I should be paying {$280.00}. At this current rate I will overpay this loan by almost {$1000.00} if not corrected. 

This is something that shouldve been corrected in XX/XX/2020 when I made my first call about this error. I have tried unsuccessfully to resolve with Hyundai Finance three times now, so I am seeking a more formal resolution through this process.

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 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Debt was originally owned by XXXX XXXX XXXX. It was opened on XXXX XXXX and closed on XXXX XXXX XXXX. A new debt collector picked it up and said the original debt was opened XX/XX/XXXX. Now I have no way of getting rid of the original debt after 7 years because this new collector won't acknowledge my attempts to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
XXXX Loancare Account # : XXXX. Conventional 15 year mortgage. Received letter advising of {$120.00} Esrow shortage XX/XX/XXXX. Mailed check to cover XX/XX/XXXX. 
Morgage payment sent electroncally by usual bank XXXX XXXX XXXX XXXX for {$1300.00} noted as recieved and cashed by bank XX/XX/XXXX. 

Issue : Morgage holder denied receipt of payment. Sent add'l confirmation to mortgage holder and recieved email confirmation they received the payment in XX/XX/XXXX. 

XX/XX/XXXX Advised by credit agency that my credit score dropped 60 points in XX/XX/XXXX when they were notifed by mortgage holder that I was over 30 days delinquent in payment. Per telephone call to mortgage holder XX/XX/XXXX they would not correct credit report until add'l transmittal information recieved from my bank. 

Besides ruining by credit, this has also stopped my refinancing process

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 2021-01-18 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
there is a promotion for opening united club card if you spend XXXX in the 1st 3 months they would give you 100000 miles when I saw this promotion I applied for the card when I got approved they said I would qualify and they gave another promotion with a fee waiver s most of the united clubs are closed so I understand wavier but I was going for the promotion for the 10000 miles which Is way I applied for the card in the 1st place chase refuses to honor and I am really upset now they have a 50000 mile offer if you spend 2000 and they refuse to honor that I will include in this complaint the details of the promotion of th 100000 they refuse to honor and I want this honored I even called united and they will not do anything about it and I really upset and this is why I applied for the card in the 1st place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX {$150000.00} Balance updated XX/XX/2021 9 late payments fcra violations never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I currently have a credit card with CpaitalOne - Via - Walmart. I have had this card for over 10 years. I have been able to use the card up to the past year. I have contacted CapitalOne, which had asked for my XXXX XXXX Licenses, due ( I am assuming ), the fact that I have gotten married during this time. I tried to send via phone, which didnt work, I have sent it by mail, not ONCE< TWICE, but THREE times. Each time, I have had to call them back ( after waiting 6 weeks ) to get the release of my card, as they have suspeneded my account. I have spent hours on the phone trying to get this resolved, I have tried hours also talking w/a representative on being able to sign onto the account via web to pay the bill, and I am getting nowhere. All I keep getting is that when I do send in the information, they are not able to read the back of the licenses. 
I am sorry, I do not know what they are looking for, but short of going up to XXXX, VA. there is nothing else that I can do. 
Again, I was informed today, they had received the info, but unable to read ... 
This is unfair to me on something that is not new, again, I have had this card for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
My bank account was hacked and both my savings and checking that I stored with Chime are now gone. I had {$1600.00} stolen from my account on XX/XX/2021 using the pay friends feature. My account has been completely wiped out. I can see the persons name and know that I have never once met or authorized someone with this name to be in my contacts or on the Chime app. I have filed a report with Chime, filed a police report, and am also doing this now. This was my savings to invest into my business and now its gone. I have not gotten a response from Chime yet about this. I have filled out their form and sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
I received a phone call today from this company. On the voicemail, it stated they were attempting to collect a debt. This is not ok. 

Ive never heard of this company, nor what debt they allegedly hold in my maiden name. Ive been married for 10 years so its highly likely whatever they have is out of statue, or the result of my purse being stolen from my car in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, as required, I paid {$1000.00} for the 2nd Installment of the XXXX Taxes for my property. I made this payment in person at my bank because there was no information in the XXXX County Treasurer 's Office that Select Portfolio Servicing , Inc., had paid {$1000.00} as required by law. The result was both payments were received by the Treasurer 's Office on XX/XX/XXXX. I called several times and wrote to Select Portfolio requesting reimbursement. Select Portfolio had transferred my mortgage loan to another company to be effective on XX/XX/XXXX. When I called Select Portfolio 's Customer Service I could never get through to an Agent because my loan number was no longer active. In addition, my correspondence was never acknowledged by Select Portfolio. I visited the XXXX County Treasurer 's Office and was told that since XXXX XXXX, the Agent for Select Portfolio had declared that they were paying on their behalf, not on my behalf, as the mortgagee, they could not return my payment. Why would they pay on their behalf? It's not their property. The XXXX County Treasurer 's OfficXXXX website shows I'm due this refund. According to the Treasurer 's Office, XXXX XXXX must request a refund from the XXXX County Treasurer 's Office and issue the refund to me. Both companies, Select Portfolio Servicing , Inc. and XXXX XXXX must act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Debt was originally owned by Barclays Bank Delaware. It was opened on XXXX XXXX and closed on XXXX XXXX XXXX. A new debt collector picked it up and said the original debt was opened XX/XX/XXXX. Now I have no way of getting rid of the original debt after 7 years because this new collector won't acknowledge my attempts to dispute.

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 2021-01-18 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: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I received a pay day loan for XXXX. Dollars I paid {$13000.00}, I paid what I thought I owed, to XXXX XXXX XXXX XXXX, they repossessed the vehicle, I paid the payoff, and only owed {$1500.00}. XXXX, dollars. That was in 2013, now they reappeared on my credit report and are now harassing me and ruined my credit for arbitrary leading reasons. For {$15000.00} XXXX dollars I need this stopped and deleted off my credit report please help.. They need to be put out of business for these types of fraudulent title loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Khols claimed I owed them {$260.00}. I paid off my credit card and tried resolving this with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Conduent Incorporated
State: FL

Complaint narrative:
My name is XXXX XXXX. I received a Way2go prepaid card and I never applied for. It came under the name of XXXX XXXX XXXX my previous married name ). I Have called the number behind the card and it required me to activate the card first. I dont know what to do to report it and cancel it. Please I need help with this issue. I have an idea of who did it. His name is XXXX XXXX. Im going through a divorce and he is been trying to open credit in my name in multiple occasions. He is a felon in the state of Florida. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Our mortgage was transferred from PHH Mortgage Services to Shellpoint Mortgage Services late last year. Since the time of this transfer, we have experienced much confusion and disappointment. In XXXX of XXXX, we were placed on a trial loan modification. We were allowed to make our regular monthly payments for four months. Then at the end of four months, we were instructed to pay {$4000.00}. At the end of four months XXXX XX/XX/XXXX XXXX, we only had {$2000.00}. Shellpoint then told us that they would check to see if they would accept the {$2000.00} and place us on modification. Then a few weeks later we were told that it was ok that we did not have the full amount because we had made the payments on time. They would be sending the papers out for our modification. So, we waited for another three or four weeks and never received the promised documentation. Therefore, every time I called Shellpoint, I would get a different person and a different statement. Finally after calling for several months, we were told that we would not be able to receive a modification because we had exhausted all modifications. Then the next thing I know they are going to foreclose on our home. Our only option is to do a short sale or deed in lieu. We received very poor service from Shellpoint and feel that we deserve better than this. Of course we believe that there are other programs out there that can assist us in saving our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I opened a transaction dispute claim with Bank of America on XX/XX/2020 in the amount of {$1800.00} for merchandise I never recieved. I submitted the fraud department with all appropriate paperwork signifying and proving the exist of my claim, XX/XX/2020 I was informed by Bank of America of the documentation they received back from the merchant regarding the dispute. I informed Bank of America fraud department that the information they received from the merchant was false information and contradictory of additional documentation I had, at that point Bank of America asked me to send them the additional documentation which I did on XX/XX/2020. I followed up with Bank of America to make sure they received the additional paperwork I sent regarding the claim I spoke with a representative and she did confirm they received it and the claim was continue to be open and they will look into it. I did not hear anything from Bank of America regarding this claim for almost 3 months so I decided to give them a call and follow up on the claim, this was on XX/XX/2020. At this time the representative let me know that it looked like they had no further information regarding my claim but now they were out of their initial time limit to investigate the claim and they would give me an answer within 48 hours, I then received an email notification that my claim was disputed because it had reached the time limit. I called Bank of America fraud department to get further information regarding this, and they let me know that there is now nothing they can do because they have reached the 40 day time limit from the time the claim was open and they have no rights to pursue the claim anymore or provide me any kind of financial compensation. I was never communicated throughout the process of any kind of time restraints that we were working through, I kept close contact with Bank of America throughout this process and was never told when I sent the second documentation paperwork that there would not even be enough time to do a thorough investigation, Bank of America did not do a thorough investigation they did not take into consideration all of the documentation that I sent them which clearly explains that I have absolutely zero merchandise from the merchant who charge me this amount, I was continually informed by Bank of America that they did receive my information that the claim was being looked into they advised me to send them additional documentation they never told me that when I sent them the additional documentation it was now out of their time restraints.

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 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting.

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 2021-01-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting.

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 2021-01-18 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: VA

Complaint narrative:
I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting.

Company response to consumer: Closed with explanation