vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account is showing inaccurate terms of 1 month. I demand proof of have any 1 month agreement with this company. The FCRA states that all information must be 100 % if its reported to the CRA and this case there's NO proof nor verification that I myself and this company made a 1 month agreement. Please send PROOF/Verification of this being 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC Platinum Mastercard XXXX So someone used my card to purchase 3 charges that were placed onto my account XX/XX/2018 XXXX XXXX XXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXXXX/XX/XXXX XXXX XXXX More info Select to Expand XXXX they refuse to take this as fraud saying i need to file a police report, I filed one in XXXX and sent them the details, no response calling them XXXX XXXX in investigations no response than at the end of XXXX finally got hold of XXXX XXXX in far as investigations, says she needs the police officer handling the claim so I gave her the info. I had to refile the report since it was done online. I received no response from that date to now. I even sent letter to CEO office who sent me a letter back saying i need to handle the claim through officer XXXX, so confusing. They wanted the police to pull the video. I spoke top officer XXXX and he says that its difficult now to pull video and that he has nothing to do with it although he will look more into it. I never made these charges protected by Billing Rights and I seem to get the runaround they have placed the charges as owing on credit report and their statement when it is far from resolved. I never made these charges and I should not be suffering still after 6 months. It is not matter for to be directed to police, HSBC should resolve. This is the letter received by HSBC Dear XXXX, Your email addressed to XXXX XXXX about your fraud claim was referred to my attention. I appreciate the opportunity to provide clarification. 

The transactions listed in your fraud claim were determined to be authorized and your fraud claim was declined. Attached are the documents we received from each of the merchants. 

If you have any questions or concerns, please contact Sargent XXXX of the XXXX Police Department at XXXX. 

Yours sincerely, XXXX XXXX XXXX Vice President Head of Customer Relations XXXX XX/XX/2018, XXXX XXXX   ( 7 days ago ) to me Dear XXXX, Again, we refer you to Sargent XXXX of the XXXX Police Department with any questions about this claim. That said, HSBC respectfully declines to comment further on the matter. 

Sincerely, XXXX XXXX XXXX Assistant Vice President Customer Relations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: NV

Complaint narrative:
I inadvertently made a larger overpayment to my AAFES Exchange Credit Program Card on XX/XX/XXXX. Within a week this payment was posted to my account leaving an over payment amount of  {$11000.00}. On approximately XX/XX/XXXXI contacted the company and requested a refund which they assured me would arrive in 7-10 days. I waited until XX/XX/XXXX before reaching out to the company via email saying, " I requested an overpayment refund three weeks ago and I still havent received it. How much longer do I need to wait? '' They responded 1XX/XX/XXXX saying : " Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ).

Please be advised that we have sent another request today for the refund to be sent to you. Please allow 7-10 business days for the refund check to be delivered. 

We do apologize for the inconvenience this has caused you. 

If further assistance is needed, please give Military Star a call at XXXX or via email. 

Thank you for your service and have a wonderful day! 

Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX I didn't receive a check so I contacted them again on XX/XX/XXXX saying, " This is my third inquiry into the overpayment on my account. Can I ask what the issue is that is causing such a delay? '' They responded XX/XX/XXXX saying, " Dear XXXX Parent, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). 

Please be advised we are researching this to see why the check is not getting processed. Once I receive a response form the accounting department XXXX will email you about your refund. We do apologize for any inconvenience this may have caused you. 

Thank you for your service and have a wonderful day! 

Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service I then waited until today ( XX/XX/XXXX ) to call the company again and now they are saying they are going to try and have the check mailed out to me by the end of the week.

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 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I provided XXXX  and XXXX with copies of the court document showing proof the Judge granted the Judgement in my favor. XXXX and XXXX have contacted the collection agency twice to verify the account. The did not contact the court involved and verify the information proving the Judgement was in my favor and this item should be removed from my credit reports. I filed a complaint with CFPB on XXXX less than 30 days ago and they till verified with the collection agency rather than the courts. They still refuse to remove this collection from my report. This is the first report with XXXX. XXXX  has removed the item as they verified the documentation.

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 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
Given the increase in property values of my area I decided to initiate the PMI removal process with Loancare , LLC back in XX/XX/2018. Knowing the appraisal on file would not suffice I requested a new one and was told it would cost {$420.00}, unless my property was remote or an appraiser was not in my area. I asked to schedule the appraisal immediately as I knew I would be denied based off previous information. I had to wait until XX/XX/XXXX to get a " denial '' letter from the company before I could even pay for my appraisal, which I did on XXXX XXXX. I was told someone would contact me immediately, after numerous phone calls to the company I was given a deadline of XX/XX/XXXX. No call. The next deadline given to me was that Id be contacted by XX/XX/XXXX. On top of that, they more than doubled the appraisal cost to {$910.00}, saying that was the fee for Colorado. Why wasn't that ever disclosed to me? I have called the company over 20 times and spoke with several supervisors with no resolution.

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 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX I got a call from a private number that claimed they were with XXXX XXXX and could not give me any information other than a case number ( XXXX ) and a phone number to call regarding that case number ( XXXX ). I called the number which belongs to what they claim is a debt collection company calling for a payday loan from XXXX with Cash Central called XXXX XXXX, they told me I was going to be taken to court and would have to pay {$1400.00} unless I wanted to take care of it over the phone with them which I could only do by providing a card number with them right at that moment ( they also mentioned they only take Visa or master ). At that point I told them I would have to call them back. I did some fact checking and called consumer finance later that evening. They do not have a valid website anywhere and the number seems to come up as scam on XXXX. I called them back today ( XX/XX/XXXX ) to ask for a physical address which they could not provide due to child protective services cases they apparently provide, and I also asked for a professional licensing number which at first they said I had to speak to a supervisor for that number, out me on a brief hold, then came back and claimed they also couldn't provide that number unless I had an attorney present or once I was already in court with them. At that point I told them I was not comfortable giving them information and they told me they would see me in court. The apparent employee I spoke to said her name was XXXX XXXX on XX/XX/XXXX when I called back today ( XX/XX/XXXX ) they first acted like they had no idea who that employee was, put me on a brief hold, then said she had stepped out and wasn't available to speak at the moment. I then called Cash Central, asked  who they had sent the debt to, they gave me the name and the number to the debt collection company they work with ( which is XXXX XXXX ) and mentioned they had never heard of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ND

Complaint narrative:
I have received e-mails from this company stating I have an outstanding debt with them and I checked my credit report and this company is not listed and also I don't recall ever taking a loan out with this company and also I have never heard of this company when I started receiving threating e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear CFPB Team I owned a Bank of America Credit Card for almost 4 years and have used it often for my regular purchases. recently on XXXX of XX/XX/2018 I responded to an advert on XXXX from XXXX XXXX about about buy one get one lXXXX XXXX   for {$4.00} and I felt it was a good offer and went ahead to purchase it using direct link from XXXX. on the XXXX XXXX page I placed the order and received receipt for {$4.00} and an email stating that my order is through. but there was no mention of my end pair of leggings. I promptly sent email to XXXX XXXX on XXXX of XX/XX/2018 stating the bill is incorrect coz I placed order during offer. There was no response to that and I wasn't sure what to do. I hadn't received the product until XX/XX/2018 and on XXXX of XXXX I wrote to XXXX XXXX  that the leggings were not my size and I don't k what to do. again there was no response and by now I had numerous charges on my account from XXXX XXXX  and I tried to call them @ XXXX but there was no response and then I reached out to bank and requested them to block the merchant which they couldnt and then I asked them to cancel my card and ship me new one. which they did I had changed my credit card thrice and somehow XXXX XXXX got hold of my new credit card and kept charging me {$49.00} monthly and by now I had 5 transactions of {$4.00} and 3 transaction of {$49.00} totaling my bill to {$170.00} and they shipped me 3 leggings without my  consent. and there was no response to my emails or my calls I explained this whole thing to my banker and they raised complaints but kept closing them on me and also said the time has gone by when they could have acted upon and merchant claims that I enrolled in some VIP program ( Which I did not and their claims are base less and they have numerous complaints on XXXX from folks who had issue with the way XXXX XXXX  in doing business ). am attaching document which has more info about my claims and amounts charged by XXXX XXXX. I got another number of XXXX XXXX  from BOA and contacted them and they assured to refund me {$64.00} and I did not see that coming through. BOA says they can not do anything in this matter coz merchant delivered product, whereas I never authorized those transactions and I changed my credit card too. so this is unauthorized transaction and I should be getting refund of {$140.00} from BOA. Also out of frustration I closed my account altogether coz this is becoming never ending saga for 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 monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
We attempted to purchase a XXXX  XXXX XXXX through XXXX  XXXX XXXX. When the item never showed up we cancelled the order on XX/XX/XXXX. We were advised that it would be processed and we would not be charged but it could take 2-3 weeks to process. The refund number is XXXX and XXXX. On XX/XX/XXXX we received another bill from XXXX  XXXX XXXX ( 2nd billing ) now also including late charges for an item we never received and was to be cancelled. We have contacted the finance area and customer service and are getting no help in getting this resolved. As of today it has been 33 days since we cancelled this and we are still being charged billed for financing on a product we don't have. If this is not resolved in the next 10 days this could result in late payment reporting on our credit bureau. This is not acceptable and has been a horrible customer experience. No one from the sale/customer service or returns area is wiling to assist with the financing area and the financing area continues to say it is the returns area. They are pointing fingers at one another when we are the customer stuck in the middle. I have attempted to also escalate this to the corporate office and they also would not help or provide any contacts. The director of customer service refuses to take calls from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I received a notification through myfico credit monitoring that a collection account had been added to my account. I logged in to see what it was about and saw that Waypoint Resource added an account on behalf of XXXX to my credit profile. Not only is this debt erroneous and obviously unverified according to FCRA requirements, but this is my very first time ever being notified of the debt. I have never received a letter or phone call to notify me of this fraudulent debt. They took away my right to dispute the debt which I believe is a violation of the FDCPA and the FCRA. This account has caused my credit to plummet and I am demanding this account be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
It started when we had a new roof put on the in the spring after a storm and summer of XXXX.When done in the fall I went to XXXX, we got the info before they did. Theysent us a letter they cancelled us because of the roof, we have until XXXX of 2018. We were hoping to go with travellers since our vehicles were with them.They sent a person nto inspect, we, we made the necessary adjustments and were turned down. I kept calling until until I couldfind one, we did, we let Bank of America know.  We found out they were double chargingus for homeowners insurance and still are. We kept making our payments every month. We even filled out a form about our income since we are retired. They saidthey never received it. In XXXX I called XXXX XXXX homeowners insurance and we were approved. I call themortage company letting them know the change. The person said are you with travellers and I said no and apparently they thought we were. A month later a letter came from from Bank of America saying you are doing a modification with XXXX XXXX and XXXX no choice. We told them no and the reason why. Then in XX/XX/XXXX.we were sold to this debt collector was taking over we said no. We are making all payments to Bank of America to their payment centers. We told this agencey do not call. They have been making robo calls. We have a lawyer working on this situation for us. We signed a letter for Bank of America, no signed contract with the other agency. We owe less than what our house is worth.

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 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I already have filed a complaint, XXXX. I have just gotten in touch with them at Capital One and got no results from them. They said all they could do is reduce my interest from 27 % to 22 % which would not help with what I want to do by getting them paid off. I wanted a 0 % rate for 18 months to pay it off completely and not wanting to hurt my credit score. They provide no help in even reducing it a considerable amount. 

My thing is, when you pay a {$230.00} payment and only {$70.00} goes to what you actually owe, maybe it is time for the Government to step in because this is highway robbery and they get away with it. It is awful ... I am on a fixed income, SS retirement and work part time. I just want to lose me as a customer, but don't offer any help with getting the interest low enough. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
3 checks were deposited into my checking account- not credit card account. 1. XX/XX/XXXX for {$6500.00}. Chase Bank released the funds the funds in a couple of days to have it bounce back 26 days later due to a " bad routing number ''. 2. Checks deposited on XX/XX/XXXX for {$5000.00} and {$3200.00}. Chase Bank held those checks for 12 business days and released the funds. Those two came back 28 and 29 days later stating " fictitious accounts ''. ALL 3 checks were written from the exact same account from XXXX XXXX. FDIC closed XXXX XXXX XX/XX/2010. Chase states I owe them and I have to take out a loan to pay for immediately for face consequences. I have filed police reports locally and with the FBI and found the person responsible. I have contacted Chase corporate several times in this matter and I'm treated like a felon, not a victim. I have left messages and no one returns my calls. I have a case number and phone of the Detective on my case ( which is a felony ) and chase won't return my calls. This same individual who wrote the bad checks also stole my debit card and I have asked for updates on that as well. Still no response. Why would a bank clear not 1 but 3 checks on a debit account to wait a month later to have them returned? One would think in this age of computers that a system as sophisticated as Chase Banking would be aware of a bad routing number in minutes of a check being deposited, not weeks later. Per Chase 's request, I went into my local branch, closed the fraudulent account and opened a new account. Chase has now frozen both accounts and failed to let me know why. Isn't that against policy when a financial institution closes a good account without letting that person know? As a customer, I relied upon the professionalism and safety of my banking institution to protect myself from issues like this. I believe Chase is at fault for not having protocols in place to protect the consumer.

Company response to consumer: Closed with explanation