vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have 2 late payments on one of my capital one credit cards. I received paperwork on it saying my bill was due but I was already signed up for autopay and had more than enough money in my account to pay the minimum. When I realized there was an issue I paid this card in full and spoke with a representative to make sure I was signed up for autopay. I have spoke with customer service a couple times and they have not been helpful on something that was not my fault I have had no issues with getting my capital one account paid in time since this incident. I do not know what else to do. I should not be held liable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I filled a name change at my online bank ( HSBC, XXXX ) of which they forwarded me a secure email under a XXXX format ( automated signature done via email XXXX XXXX   XXXX? XXXXXXXX XXXX ). The documents they requested were an id, a document showing the name change like my marriage certificate, and they also asked for my full social sec #. I had no issue since it was via a secure method and from/through my bank. 

They just sent me the executed docs via email ( unsecured /no protection ) which contained the image of my license, marriage certificate, and the doc containing my signatures and Full Social Security number. I was leery of my social # initially being submitted, but did confirm it was a secure method so my concerns lessened. I was not aware they were going to send it back to me in what appears to be an unsecured format. 

I responded to the email indicating that they sent all of my personal identification info through unsecured methods as well as called HSBC to file a complaint. On the call they said their emails are encrypted if sent from HSBC but, again, I dont see it. Also the email sent back was from XXXX under the HSBC name so I dont know if that is something that is auto generated from the vendor they use, which may very well not be secure. Since I dont know if my complaint to them will go anywhere, I thought I would file this with you as well. I have my credit frozen from the credit bureau breech but this is awful to send all of that data out for anyone to pick up. Since they are an international company, if they are sending unsecured emails out w/ PII then that should be also violating GDPR in the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is sending out upgrade offers for their XXXX XXXX card. The offers range from XXXX points to XXXX points. For some reason, I was only target for the XXXX offer, despite being a member for almost 30 years and spending well over $ 100K a year. I was interested in upgrading my card, but did not want to take the lesser offer, so I decided to call American Express to discuss my options. Amex CS transferred my call to Membership Consulting in XXXX, FL. After going back and forth with the rep, I asked to speak to a manager. The manager ( XXXX ) promised to call me back within a day or 2. She never did, so I called Amex and filed a complaint about XXXX. Few days later I got a callback from XXXX who promised to look into the situation and let me know within 2 days. She said she had some contact at American Express who might be able to help us. She didn't call back as promised but did call the following day and left a VM. She claimed that she was still working on it. Few days passed without hearing back from XXXX, I called back only to find out that she was on vacation. 

Membership Consulting in XXXX, FL needs to be investigated as most of the reps don't help and they try to cover for each others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On or about XX/XX/2018 I had missed my most recent local home tax bill. I planned on paying it and knew it would be late ( one other time this happened and I paid late plus penalties ) Then I get a letter end of XXXX stating LoanCare paid the taxes and someone would be in touch with me. That never happened. I received a letter mid month stating my mortgage would go up {$1600.00}. almost double what I pay and have ever paid on any house I have owned. To date I have phoned over 15 times ( hold, put in a call back appointment-no call back, written emailed etc ) I have tried calling as of today 5 times the phone answering system is not working keeps pushing me out or not recognizing the numbers you push to move forward ( push 2 for this put your ssn in etc ). I CAN NOT afford {$1600.00} added to my payment and NOR should I have to. have sent notification I will pay the amount they paid on my behalf and I want my house payment back to the {$2100.00} ( or less if they can and I know they do lower ) for XX/XX/XXXX payment. There was ZERO notice and ZERO replies back to resolve this. Please help me with this complaint

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 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt and Negatively affecting my credit for a debt that they failed to validate by providing improper documentations from XXXX. 
I found a collection account on my credit report by XXXX XXXX XXXX ( CCS ). I disputed the debt with them and they mailed a summary final statement from XXXX. My initial dispute letter to CCS detailed that this was not a debt that I owe and I requested detailed validation to include the automobile ( s ) and policy period for which they provided coverage. CCS did not comply with my request. A simple letter from XXXX just stating the balance owed without identifying the Vehicle ( s ) covered and not including the coverage period is not sufficient to prove that this is legitimate. I sent a second letter to XXXX and they failed to respond to me. I also mailed a letter directly requesting this information and again XXXX failed to respond. It's been about 4 months now and CCS still has this on my credit report. 
I want this DELETED from my credit report, I want proper documentation to support this debt and the opportunity to investigate it and respond accordingly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: FL

Complaint narrative:
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECCRED Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXXr system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX, EQUIFAX, XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit.

I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX, XXXX, EXPERIAN RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit.

I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX 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 2018-09-26 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: FL

Complaint narrative:
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX   et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2018-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account  thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX    et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2018-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
I called and asked procedure to have pmi removed previously, was told on the phone once its paid down to 80 % just call and request. When I called back to request was told I had to pay for a new appraisal. My home was appraised at XXXX when purchased I have paid balance to {$160000.00}. I sent a letter in writing stating I have reached the below 80 % range in addition sent copies of current XXXX which is now {$250000.00} and copy of current XXXX which shows {$260000.00} All payments have always been up to date, insurance kept up, taxes kept up my loan is eligible to have pmi removed and the mortgage company refuses to remove it unless I pay through them a {$600.00} appraisal fee. The property is well kept and worth well over the original purchase price. I have submitted proof and have requested pmi be removed in writing Its my understanding that is the process and the pmi should be automatically terminated but my mortgage company Roundpoint Mortgage Servicing Corporation refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered that {$2000.00} was taken out of my account on XX/XX/XXXX. When I called customer service to see what happened they told me that I had written two checks, # XXXX for {$1500.00} and check # XXXX for {$500.00}. I let them know they were fradulent checks. I asked when those original check numbers went through the first time and was told XX/XX/XXXX. I dont know why the bank allowed the same check numbers to go through twice. They advised me to contact bank manager on next business day and told me they would send an email to them about the situation. I went to the manager,  XXXX XXXX with Bank of the West on 9/10/18. She was uncooperative and very unprofessional and kept telling me that BOTW would not take action, it was up to the bank that received the funds to take action. I went in to BOTW again on XX/XX/XXXX. Completed a notarized affidavit about checks as she still would not take action. Was assured by bank manager she would contact me on status of case on XX/XX/XXXX. On XX/XX/XXXX went back to BOTW with a letter from other bank involved that the fraud issue has been resolved and the funds were returned to BOTW. I was told that I still can not have my money because the BOTW claims department rejected the claim for no police report number. Manager never called me to let me know they didnt receive it. Filed a police report with the other party involved on XX/XX/XXXX and emailed it to BOTW manager on XX/XX/XXXX. I have been a BOTW customer for more than 10 years. I was never contacted by BOTW about ths situation, before the funds were released or after the fraud was reported. I am still currently waiting for the funds to be returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26 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: FACTUAL DATA CORP.
State: GA

Complaint narrative:
I did not apply for any mortgage online. I have disputed this with XXXX XXXX and XXXXXXXX XXXX twice and they are not working with me. I have also disputed this with XXXX credit reporting agency and they have refused to take it off of my credit report.

Company response to consumer: Closed with explanation