vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On Wednesday, XX/XX/18 I opted to utilize two balance transfer checks to take advantage of an intro APR. One check for {$5000.00} deposited to XXXX and one check for {$1200.00} deposited to XXXX. This was within my credit limit including the transfer fee. 

On Thursday, XX/XX/18 I received a call from the fraud department to verify the activity at XXXX. I called back at XXXX and was on hold for 55 minutes before speaking to someone who told me that the fraud department is already closed. Not to mention that the voicemail I have said that I can reach them 24 hours a day, 7 days a week. 

I tried to call back this morning, Friday, at XX/XX/18 and could not get through. The check I wrote to XXXX has already been returned and will make me incur fees. I called the executive office and the operator is unavailable and the mailbox is full so it doesn't accept voicemails. 

I finally went to a branch to prove identity and my Drivers License with current address is not enough, they want a copy of my lease. I am willing to do that but now they said they don't handle placing the funds back into the other banks or handle fees by other banks. I asked the service rep if they can ACH the funds back to XXXX and she had to ask her manager because she did not know what ACH is ... I've been in banking for 20 years. This is completely unacceptable. 

I've attached a screenshot of the transcript from the voicemail left on my phone which states that I can reach them 24/7 and also has the time they called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I file complaint against Cash Store # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX I still receive SSI check every month. Why I can not afford to pay money back to every two weeks each. I want to pay back amount by cash in every month to the cash store. I need t pay expenses for rent, utility and gas and phone very important. 
I learned XXXX XXXX XXXX has had contact Cash Store without my permission. XXXX XXXX XXXXXXXX called me on this morning. XXXX XXXX XXXXXXXX should not contact Cash Store without me know.Cash store was taking my money from my current bank XXXX without my permission. I have been struggle to pay back to cash store by every two weeks.

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 2018-09-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have endeavored on several occasions to reconcile these errors to no avail. I recently obtained correspondence from XXXX XXXX that supports my claim. XXXX, XXXX and Equifax insist on reporting these inaccurate inquiries indeed. Litigation will now surely follow, because I have proof now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On my XX/XX/2018 statement there were 4 fraud transactions for a total of {$1500.00}. On receipt of the statement, I immediately called in and was told that I had to call the vendors for the transactions. XXXX XXXX and XXXX  XXXX. XXXX stated this was a known fraud already under investigation. XXXX XXXX said I needed to call Citi bank. I called Citibank and was told this would be resolved and noted the fraud. 

A replacement card was issued and sent via XXXX. Yesterday XX/XX/2018, I received a notice for past due impacting my credit. I then did the called and was told it was handled. No resolution. 

Today, XX/XX/2018, I then did the online dispute for the second time on the remaining transactions. Finally, got an automated response delaying payment for FRAUD transactions. 

Taking more than 45 days to clear fraud which were reported immediately and compounding with interest is unacceptable. This card was in a drawer and I have never used it.

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 non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
XX/XX/XXXX granted mortgage modification, began payments XX/XX/XXXX to Citizen 's One, have made all payments thru XX/XX/XXXX, XX/XX/XXXX payment being held in escrow. 

From XX/XX/XXXX to date, receive monthly statement showing account is delinquent, no payments made. 

Calls to customer service regularly ( will supply phone records upon request ), responses from Citizen 's One : " we see the problem, it is being remedied, '' " this is a large institution, these things take time. '' XX/XX/XXXX, Citizen 's One website updated and displayed account as being one month behind, called again to Citizen 's One asking this to be remedied, were told they would work on it and it should be all set shortly. 

XX/XX/XXXX- served foreclosure papers, and no longer able to make monthly mortgage payment, hence the escrow account mentioned above. 

XX/XX/XXXX supplied documentation of all bank statements and canceled checks ( attached ) from XX/XX/XXXX through XX/XX/XXXX to Citizen 's One and the law firm of XXXX, XXXX, XXXX XXXX, XXXX, RI. 

Have been told by Citizen 's One the package has been received but they do not know who has it. No contact to date from law firm regarding documents provided. 

XXXXXX/XX/XXXX- in the process of seeking own counsel. 

Unfair practices by Citizen 's One include : failure to apply payments correctly, falsely placing property in foreclosure. 

Damages to homeowner : incorrect XXXX tax documentation, home in foreclosure, seeking own counsel to protect home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I have received 3 phone calls from Diversified debt collectors, very crude verbally, said it was for XXXX XXXX XXXX, I have never had an account with XXXX XXXX XXXX, never received a bill or phone call from XXXX XXXX XXXX, I have never been late on any payments in XXXX years!, I  looked up Diversified on the internet, found many complaints, they have been reported to the XXXX many times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Commercial Recovery Systems
State: IL

Complaint narrative:
Getting repeated harrassing phone calls stating there are two allogations against my social security number for unpaid debt and that they are sending a process server to my home, which never actually happens of course, but the calls are getting annoying.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am an American Express Corporate Cardholder and had a fee for a balance that was overdue. This fee was added to my XXXX Statement for a XXXX charge that I did not clear in the time allotted [ 45 days ]. I discovered the error and called American express on XX/XX/2018. At the time, the customer care representative kindly removed the charge. The full balance was cleared on XX/XX/2018. 

On XX/XX/2018 the same {$39.00} fee was added back onto my account. American Express did not disclose that they would add the fee back on after they waived it for the charge that lingered between XXXX and XXXX. In fact, they credited my account for the XXXX $ fee on XX/XX/XXXX and then added it back on XX/XX/2018. I believe that this is not in good faith and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I tried to open a checking account at a national bank using their online process and was declined due to a credit check with Experian. 

So, I requested a free credit report online from Experian and entered all my info. I received a message that they have an internal error and could not provide report and provided a phone number to call. I called the number during their posted regular business hours and was stuck in an automated response system that had no options about free credit report and could not connect to a live person. I tried both online and calls several times over several days with same outcome. 

I have free credit reports from XXXX and XXXX and there are no credit issues at all. I have a very high credit score. I believe the bank 's online process rejected me because they are unable to get a credit report for me from Experian - as opposed to bad credit. 

Experian is now affecting my ability to do simply open a checking/savings account. I am not trying to get credit. Experian should be regulated and penalized for their incompetence and its impact on people 's lives! So, should XXXX, the bank that relies on them.

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 2018-09-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018 there was a fraudulent transaction on my account for the amount of {$140.00}. I filled out a fraudulent transaction form and sent to the company as per their policy. The company later responded with the following : Dear Valued Customer, The Fraud Investigation team has completed the review of your claim related to unauthorized charges for Case Number : XXXX involving card ( s ) ending in : XXXX. 

All fraud claims are reviewed in compliance with federal regulations, Cardholder Agreements, and MasterCard rules ( when applicable ).

Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim.

Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards.

While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.

For questions regarding your Cardholder Agreement, please call the Customer Service number on the back of your card.

Thank you for your patience in allowing us to complete a full investigation of your claim. We appreciate your business and look forward to serving you in the future.

Respectfully, Fraud Operations, Investigations Unit While the information in their response maybe true, it does not apply to my complaint. This was not an unauthorized use of a card. The card in question was in my possession at the time the fraudulent transaction was made and therefor meaning the card wasn't actually used at all. I would assume this was a electronic credit card fraud but either way the company is unwilling to answer me and don't seem to care.

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 2018-09-28 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: GVA Holdings, LLC
State: SC

Complaint narrative:
This was not me. I had identity theft 2 years ago. They did this. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: KEYCORP
State: CA

Complaint narrative:
I had a consumer Boat loan that I have had at this bank since XXXX. I contacted them in XX/XX/XXXX to request a Payoff as I was selling the Boat. I was provided a payoff with a timeframe ( 10 Days ) as usual. I was provided the information on where to send the payment.

I had the Buyer of the Boat XXXX the Check to the Bank. We had it Tracked It was received and signed for by the Bank official. Upon follow up, the Bank claimed they could not find the Check. They investigated and 4 weeks later could still not find the Check. In the mean time they charged me a {$30.00} Late Charge.

Hours of phone calls and communication with the bank, which I Have documented, We finally stopped payment on the Check and had the Buyer Wire Transfer the Money to the Bank.

The Payoff was {$10000.00}. The Check from the Buyer was for {$12000.00}. ( sale price agreed to with buyer and contracted by a bill of sale based on the Payoff Amount ) I received a Documented eMail confirmation of the Payoff received by the Bank. 

After One month had gone by waiting for the Titles and Refund of the difference, I received another statement from the Bank Stating my Payments are still due. Contacting the Bank again, they said the balance was {$14000.00} and was not paid off.

As I continued to try to get to someone with authority, I contacted the bank several more times. The automated phone system said there was a payoff balance of {$9.00}. When speaking with the Agent they stated that was wrong and they could not tell me the payoff over the phone and would have to send it via mail or fax it.

I communicated that I already paid the loan off based on the payoff provided and that I have documented confirmation of the payoff, and that it was {$2000.00} more than I was quoted.

Bottom line, This is an unacceptable behavior and actions by a bank that has Fiscal responsibility for consumers money. This includes lost checks, wrong payoffs, misrepresentations, false late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
In XX/XX/XXXX, I was disbursed a Federal Perkins Loan for my first year of XXXX XXXXl at XXXX University. This was my first year of three for XXXX XXXX. I subsequently transferred to XXXX University XXXX XXXX XXXX in XXXX XXXX   XXXX. I did the subsequent two years of XXXX XXXX in XXXX XXXX  XXXX. When I moved, I still had this Perkins Loan outstanding. My loan servicer is XXXX for this loan. 

After graduating from XXXX XXXX in XX/XX/XXXX, I again moved to XXXX, XXXX. On XX/XX/XXXX, I logged in to XXXX ' portal to find out that I was 60 days overdue. Not once has XXXX contacted me about my repayment options, when my first payment is due, what my interest rate is, or any other information regarding this loan. The effect on my credit report has been drastic : my score has dropped from mid to high 700 's, down to 650 's. 

On the phone, XXXX lied to my multiple times. First, I asked them what address they had on file. They responded : " XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX. '' This address does not exist. They said they've been mailing notices since XXXX of this year. I'm pretty sure the USPS sends mail back to sender if the address isn't correct. Second, I asked them how they are going to correct this. They said they are going to correct the negative credit reporting. Then, they said they can not. They are deflecting responsibility. 

There are several issues here : 1. ) I provided my address to XXXX University when I moved. 
2. ) I was never told until I called XXXX a few days ago that XXXX was my Perkins loan servicer. 
3. ) XXXX was using a fake mailing address, and they tried telling me it is a proper address. 
4. ) XXXX had my correct email address on file.

5. ) XXXX never used my correct email address.

6. ) XXXX never attempted to contact me using a correct contact address prior to my payment due date, my delinquency status, or any other repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: SC

Complaint narrative:
This was not me. I had identity theft 2 years ago. They did this. Please remove it

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 2018-09-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I owned a house at XXXX XXXX XXXX, XXXX XXXX XXXX, WV. through Bank of America. ( Account # XXXX ). My ex-wife and I divorced in XX/XX/XXXX and house awarded to me with the stipulation that it be sold. Ex-wife had not made payments during marriage and I got a HUD loan to catch up on payments. Was unable to sell house and county court reversed decision and awarded house to ex-wife, XXXX XXXX XXXX XXXX in XXXX. In XX/XX/XXXX, flood took the house. Had flood insurance and Flood Insurance Settlement BANA paid mortgage off in XX/XX/XXXX. HUD loan was attached to mortgage in refinance. Since that time, I have been paying the US Dept of Treasury for what I thought was a school loan, but after contacting them found out that it was for a HUD loan on the house. I told them that the mortgage was paid off from flood insurance, but they did not get paid off. This should have been paid off by flood insurance. The Flood Insurance Settlement ( BANA ) claim number that should have paid off this debt is XXXX. Please help me settle this. I have to pay {$180.00} dollars monthly to HUD and my wife and I live on a fixed income.

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 2018-09-28 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2018-09-28 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get 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 explanation