vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 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: EQUIFAX, INC.
State: WA

Complaint narrative:
The company closed my card and made it very hard to make payments.. was dealing with fraud issues on a checking account causing a payment to not go through.. Payment was not due and was an extra payment. They closed my account. I called and paid account to 0 balance. They are showing I owe {$2.00} still. They were to mail me a pay for deletion letter and never did. So now I have this on my credit report and can not get it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The company closed my card and made it very hard to make payments.. was dealing with fraud issues on a checking account causing a payment to not go through.. Payment was not due and was an extra payment. They closed my account. I called and paid account to 0 balance. They are showing I owe {$2.00} still. They were to mail me a pay for deletion letter and never did. So now I have this on my credit report and can not get it off.

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 2019-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation
State: AZ

Complaint narrative:
2 days ago I looked into loan options. Zoca was one that offered options but I was not interested. They called around 10 times in 2 days. After blocking the number, I called them back and was on hold for 15 minutes to speak to someone to tell them to stop calling. I then emailed the company to tell them to stop calling. They then called 2 more times last night. I called them back and told them again to stop calling. They have called now 3 times today. I want to be left alone.

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 2019-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC
State: VA

Complaint narrative:
I am having a difficult time getting my private loans from Activate Financial discharged. Also, the money that was paid on the account balance originally, must be reimbursed. However, the original creditor, ( XXXX XXXX, XXXX. ), is no longer the current creditor as it is now, Peaks Trust XXXX. I do not have any of my previous receipts to prove my claim, however, I am sure that I have paid close to {$2000.00} on my original account balance. Originally, my account balance exceeded {$8000.00} and now it is just above {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: KY

Complaint narrative:
Paid XXXX  XXXX  the regular pmt. Check was cashed for XXXX but not applied to account as the pmt. Had increased unbeknownst to me. Being reported as 30 days late XXXX yet the supposedly amount unpaid was XXXX Unfair that they took my money and simply did contact me for the dicrepancy amount.

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 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Sold two collectible coins on XXXX  and funds were put into Paypal account. Paypal requested verification of ID, order confirmation, and tracking number. All was provided and my Paypal account was fully verified with banking info and personal info. However, they decided to lock my account and hold the funds for 180 days. I need access to the money immediately as they are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase home lending assumed my mortgage from XXXX XXXX. In the last week of XXXX, my insurance company informed me that they had cancelled my insurance policy for XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, TX XXXX last spring. They were unable to get in contact with the lender ( Chase ) to update them with my new policy. I never received any communications ( letter, e-mail or phone ) from Chase about this. Therefore one of the two scenarios has occurred : - My property has been uninsured which is a huge liability. 
- Chase insured my property at a rate that is higher than I planned on paying, without telling me. 

This needs to be rectified. I have not been able to resolve this with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My savings account at TD Bank was opened using a promotional offer to expect {$200.00} bonus for keeping {$20000.00} in the account for three month. Unfortunately, a reoccurring transfer processed by the bank two days later than scheduled brought the balance little below the 20,000 toward the end of the three month period for two days total. 
The money was in the linked checking account at the same bank all along. This was acknowledged by two representatives at 24 hour customer service on XXXX, and XXXX submitted a request for my bonus consideration assuring me of the understanding. 
However, on XXXX, when the time came to hear back from the bonus department, I am advised by XXXX that the bonus department submissions can not be customized in any way. This contradicts my earlier expectations and makes it easy for the bank to disqualify me at their pleasure. She also assures me that her manager could not do anything else and nobody else could. 
This is a big disappointment for me, especially considering that my money could be earning interest elsewhere similar to the promised bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MD

Complaint narrative:
After receiving notification via email from XXXX XXXX at TrueAccord on XX/XX/XXXX about an outstanding debt I had. I had asked a question about having signed documentation to have the account removed from my credit report once paid. I then received an answer that I did not see until today XXXX, on XX/XX/XXXX with this reply " Thank you for reaching out about this balance. 

TrueAccord does not credit report. If XXXX XXXX, XXXX reports, they will update the credit reporting agencies as required. It may take the credit reporting agencies more than 30 days to reflect the update. For more information, you can go to www.consumer.ftc.gov and click on Get your free credit report to get a free copy and see for yourself. 

Please let us know if you have any questions. Were here to help. 


Best Regards, XXXX XXXX '' I then on XX/XX/XXXX XXXX emailed again trying to touch base about my balance. Not having seen the previous reply I again asked my same question. And on XX/XX/XXXX got a reply XXXX XXXX, which again I did not see until today. XX/XX/XXXX XXXX emails me again, regarding my debt, but does not answer my question. On XXXX in then get this email from the name on the email, not even answering my question. 

" Thank you for replying to our email. 

You can reach us at XXXX. Our office is open Monday through Friday XXXX XXXX  to XXXX XXXX  ET. 

Please let me know if you have any questions. Im here to help. 


Best Regards, XXXX XXXX '' So on XX/XX/XXXX. I again ask the same question as previously mentioned, and get the same reply as previously stated in this complaint from XXXX XXXX. I then email back wondering why they can not get paperwork together to sign stating my concern when the creditor hired them to take care of my debt. So at XXXX today, XXXX emails me again with the same generic email to call them. 

I will not call because I want this documented on email. It seems to me this should be a simple matter to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have been involved in an ongoing lawsuit with American Express regarding a charge card that was open from XXXX. The judgement passed this summer stated that American Express violated the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( the CARD Act ) with regards to 15 U.S.C 1601, Section 1666c, the application of payments. On an account with both a cash advance balance with a higher interest rate and a purchase balance with a lower interest rate, American Express applied payments to the portion with the lower interest rate. Furthermore, interest charged on the cash advance balance was added back onto that cash advance balance, inflating it 10 times. 

The only cash advances drawn totaled {$1000.00} in the first month of card use, in XXXX of XXXX. No further cash advances were drawn on the account after this first month. Over 10 years of card use, payments made were never applied to the cash advance. Payments were also not applied to the interest on that cash advance. Interest was treated as a new cash advance charge and was added to the cash advance balance, growing the cash advance principle to {$10000.00} as of XX/XX/XXXX. 

The judgement did not address excessive interest charged on purchases when American Express repeatedly increased the interest rate, which violated the law prohibiting interest rate increases, as detailed in 15 U.S.C 1601, Section 1666i-1 of the CARD Act, captioned Sec. 171. Limits on Interest Rate, Fee, and Finance Charge Increases Applicable to Outstanding Balances. 

I request assistance in negotiating an appeal such that interest rate increases will be examined. Also, the judgement gives no consequence to American Express for violating the CARD Act. I  would like legal advice on how American Express can be held accountable for this blatant disregard for the CARD Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Under Equifax Creditor reporting agency my XXXX XXXX account XXXX is being reported as late. This account was never later. Please have Equifax Remove Late Status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have a loan with Specialized Loan Services and I have been requesting to get the Private Mortgage Insurance off of my loan for more than 8 months. After about 5 months, they finally had an agent call me for a valuation on my property and my house is unique. I live on a ski lake where every home on my lake is listing and selling for atleast $ 500k. The agent that SLS sent out came up with a valuation of $ XXXX and did not compare my home to any homes that have sold on a ski lake in the area. Now I am disputing the value and have been put through the ringer again. I wrote a letter to dispute the valution that was done and emailed it to them on XX/XX/XXXX. They said they never received it, so I sent it back on XX/XX/21 157 times with confirmation on each email that they received it. YES, 157 times!! The PMI is costing me more than {$240.00} per month and it is just me throwing money away. The managers never call back when they say they are going to call back and I am sick of dealing with this. I own 10 rental properties and 3 of them have loans on them where I had the PMI removed after a certain amount of time, but I have never had to deal with anything like this before.

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 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
ON XX/XX/2019 I LOGGED INTO MY BANK OF AMERICA BUSINESS ACCOUNT TO CHECK MY STATEMENT ONLY FOR ME TO REALIZE THAT ALL MY MONEY HAD GONE. I IMMEDIATELY CALLED THE BANK TO REPORT IT. I WAS TOLD THAT I WOULD BE ISSUED A NEW DEBIT CARD WHILE THE BANK PROCESSES MY CLAIM. UNFORTUNATELY, THE BANK FAILED TO RESOLVE MY CLAIM. I HAVE FILED A POLICE REPORT TO HAVE THE ISSUE INVESTIGATED AND I WILL LIKE THE CONSUMER FINANCE PROTECTION BUREAU TO HELP ME RESOLVE THIS ISSUE BY MAKING SURE THAT THE BANK CAN CONTINUE TO PROTECT ME AND REFUND ME FOR THE UNAUTHORIZED TRANSACTIONS THAT RESULTED FROM MY CARD BEING USED WITHOUT MY PERMISSION OR KNOWLEDGE.

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 2019-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Last XXXX I was asked if I would like to have my Bank of America business Account looked at from a small business BOA banker who they said might be able to give me some insights as to what Bank of America could offer with my business account in the future. They set a meeting up with XXXX XXXX from Small Business Banking. We had a meeting about my business and what work it was doing. I told them that I was good Shape with my banking for now, but glad to know what the bank can offer down the road. I was sent to my office a remote deposit machine that I did not want. I did not open the box and told XXXX XXXX to come pick it up from my office because this is something that I will not use and never asked for. XXXX came a picked the machine up. I thought that this issue over. 

My CPA told me on XX/XX/2019 that my business checking account is being charged {$15.00} a moth for a remote deposit machine since XX/XX/2019. I went right to my BOA brach and reported this problem. They maid some phone calls and told me that I would need to talk to my small business banker XXXX XXXX. I returned to my office and called XXXX XXXX many time with no answer and I could not leave a message because his mailbox is full. I called BOA help line and was passed around and found out that a charge of {$250.00} would go against my account to stop the remote deposit machine charge. I did not ever want or even open the box for this machine and it was returned to BOA. During another call to BOA I was informed of XXXX XXXX 's Boss XXXX XXXX. I called XXXX right away, and left a message. Later that same day XXXX returned my call and informed me that he was going to take care of everything. 
One week went by and no phone call from XXXX or XXXX. I called both of them again. 
finally, I received a email from XXXX informing me that I needed to call the remote deposit team to take care of this problem. I responded to XXXX and told him that they needed to handle this by XX/XX/XXXX and put my money back into my account that they had taken without my permission. Today is XX/XX/XXXX, and no action or money is back in my account. This is deceptive, dishonest and abusive behavior of the bank. It is outrageous and absolutely unacceptable. If they are doing this to my business they must be doing it to all businesses. This is flat out stealing from the customer. I have spent so much time trying to resolve this issue with the bank, please help 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 2019-12-04 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: Security Credit Services, LLC
State: FL

Complaint narrative:
XXXX XXXX, sold a balance of XXXX to security credit services. Security credit services is claiming they purchased remaining balance of XXXX. XXXX has confirmed they sold at XXXX on XX/XX/2019. A payment of XXXX was distributed by XXXX XXXX XXXX XXXX on XX/XX/2019 a third party service that provided statements and pay off information attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JH Portfolio Debt Equities, LLC
State: SC

Complaint narrative:
I sent a letter to XXXX XXXX. on XX/XX/XXXX to cease efforts to me on my default credit card due to my XXXX, telling them that I intended to file for Bankruptcy chapter XXXX. My XXXX is XXXX  XXXX-XXXX, and a XXXX  XXXX  turned to XXXX. I fell into a XXXX  XXXX and have not filed yet. Part of my XXXX XXXX  XXXX  XXXX   was due to having been damaged by a XXXX during a XXXX  XXXX XXXX. I continued in extreme pain for months during which he failed to recognize and diagnose that he had failed to reattach the XXXX XXXX XXXX. Only by seeing a different doctor did I find that out, and by that time, an attempt to reattach it failed due to the tissue change in the lapsed time. I have been increasingly in pain and XXXX  since this in XXXX of XXXX. Unfortunately, I opened the XXXX account when in an XXXX  XXXX  XXXX  XXXX  in XX/XX/XXXX. I tried to keep up payments until XX/XX/XXXX, with diminishing income and increased pain and difficulty in doing everything. 
On XX/XX/XXXX a company purchased my debt from XXXX and delivered a summons on XX/XX/XXXX, to appear in court and answer by tomorrow, XXXX.. The company taking this action is XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 
I have a monthly income of {$750.00} by way of SS and SSI. I am XXXX years old and take the proper medications for XXXX  condition, since diagnosed as an adult recently, but having suffered from it all my adult life. I am very despondent about it. 
The amount demanded is {$2900.00}, plus court costs and summons service. I do not have the means to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The company LVNV funding LLC calls repeatedly. I disputed errors on my credit and this account was removed and later reinserted. I file a dispute again and again then its removed and then it on my credit again. The company calls over and over sometimes after XXXX XXXX call this morning claiming I refuse to pay could be sued. I feel helpless as a consumer. Even once an account is 7 years old the collection companies still call and pretend to be lawyers. LVNV Funding is the only company that does this. It causes extreme stress and I dont understand why a collection agency could treat people like this. I spoke with company explained I was unemployed and couldnt make and arrangements. The lady on the phone became very rude. This company calls sometimes 9 times a day. This cant be the way to take care of one credit card with finger hit. There were over 500.00 in fees. I dont know what else to do. I answer the call so they wont call all day but they do either way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX Account XXXX XXXX XXXX XXXX - Equifax reporting agency is reporting that this account was late. This account was never later. Please have them remove late status from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On the date of XX/XX/XXXX I received a phone call to pay a bill that I did not owe. The representative kept trying to force me to pay a debt that I never owed the company in question. The next day XX/XX/XXXX the fourth they called my wife who was not on the lease and asked her to pay such bill. My wife told them she was not giving out card information and that we didnt owe and the employee proceeded to get snappy and yell and tell her she needs to pay the bill. I tried to speak to an employee who refused to listen to me and tell me that I didnt know what I was speaking of in relation to the fair credit act and said they would not cease communication. I asked to be on a do not call list and they refused and I also asked for my wife and they also refused. Highly unprofessional company. I stated I will be taking legal action which in return their reply was we dont care were a multi XXXX dollar company we dont care. The companies name is iqdata.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation