vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
On XX/XX/18, I contacted Bank of America after my hairdresser attempted three times to use my Mastercard from Bank of America. I saw, too, they alerted me to check to see if some transactions were familiar, and they were not, but at that time, I could not get the system to work from my XXXX to check off and submit to them the purchases I had not made, so I called them. Long story short, over three hours later, I was still on hold with them, trying to reach the fraud department, which even a supervisor of the checking and savings department swore to me, and the credit card department, too, that they were working that day and I was simply to stay on hold. As I waited, more charges/attempts were occurring on my card, and I felt sick and upset, and could get no help. After over three hours on the phone ( no, I am not exaggerating and have phone records to prove the times I called, and asked for call back, too, which they never did call back at all ). I still have not heard a word from 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 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
AR RESOURCES INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX told them account was not my no response was giving

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Since XX/XX/2017 we have been trying to get our payment lowered by having the loan modified through the loss mitigation process. It took almost 9 months for a approval. They kept asking for paperwork I had already sent. While they wait for that paperwork other paperwork was out of date then they would request that again. I had to send them a hardship letter 5 times and pay stubs all most 10 times.I have fax confirmations. Our attourney sent the paperwork and authorization and they said they didn't have it at all. So I complained to the state and assigned someone then o got a approval. Then the trial period started and rather then lowering the payment everything increased.They said the reason is because of the back pay. So I filed a hardship with the state now it was current and we just needed it processed. Now we have to start over and now they are playing the paperwork game again and now we have a 30 day late payment. And they still have not explained the fees they charged and can't .Its just money they took from 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 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I received a credit alert regarding a collection from first credit services, this company me one day and i informed then this debt was not mine and they need to contact the gym for more information, i never received a debt validation letter or itemized statement with amount of charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I put in a dispute on XX/XX/2018 thru XXXX XXXX for TransUnion and they are still processing 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 2018-07-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I was not aware of this student loan company I only had loans with the department of education and XXXX and XXXX and have never heard from this company in XX/XX/XXXX my uncle said the sheriff delivered a letter to parents old home in XXXX ga I went to court and the judge told the the attorney that was representing this XXXX XXXX XXXX XXXX that they needed to provide proof of how they got my loan and how did they try to contact me before entering into judgement. They never did that in XX/XX/XXXX they filed papers again in XXXX county I went to court with them explained to the judge and he basically told them the same thing. It was a different attorney from the same firm and he was rude the attorney is XXXX and XXXX. They garnished my wages in XX/XX/XXXX while I working for XXXX XXXX as well and they have never produced any documents. On Friday the XXXX of XXXX I received a letter that they are garnishing my wages and they have never provided proof on how they acquired my loan. I was still in college until XX/XX/XXXX so I have never been giving a chance on any if I owe this people. They are stating I owe XXXX and the totally is XXXX I do not have any loans for that amount. I do not know what else to do I have file claims before with the CFPB on this company and nothing has been done, but I see a lawsuit is out on this company I am seeking assistance to get this garnishment stopped and my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
DIVERSIFIED CONSULTA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018 XXXX no response from collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I put in a dispute on XX/XX/2018 thru credit karma for XXXX and they are still processing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I contacted the Bank ( Suntrust ) in or around XX/XX/2017 to raise a chargeback against the merchant for services not describe. The merchant presented themselves with having the opportunity to trade and invest in a regulated financial products, such as Cfd, s stocks and options and other regulated financial instruments. However, I prove to the bank that the merchant was unable to provide said services on their website, since the merchant in question, lacks all necessary required licenses. Therefore the merchant is in breech of contract, thereby giving the bank the reason to raise a chargeback for services not as describe since the merchant couldn't provide the describe services. This is clearly a misrepresentation. Therefore this is fitting to have a charge back initiated under services as not described.

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 2018-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: TN

Complaint narrative:
Since XX/XX/XXXX, MonarchyRecovery has repeated called my phone. Interrupting and distracting me from work and daily life. The calls are frequent. Every 15 secs I receive a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I went to work in XXXX in XX/XX/XXXX. I intentionally missed one mortgage payment, so I would not be overseas with no money. With my first paycheck I caught up on the missed payment along with the payment due for the following month. A few months later I noticed a {$5.00} fee on my bill, so I called to inquire as to what the fee was for. I was told I must request that information in writing, so I did. The response explained that foreclosure proceedings were initiated at my expense of {$55.00} and charged to my account at {$5.00} per month until paid off. I never received any notice of foreclosure and, because I have equity, I believe they were trying to steal my home in a very unethical and possibly illegal manner. 
I believe it was XXXX last year I accidentally payed my mortgage twice. There was no payment due but Ditech put my accidental second payment toward the XXXX payment instead of toward the principal. In XXXX of this year I received a bill with the statement date of XX/XX/XXXX and the due date of XX/XX/XXXX. I payed {$800.00} for a {$570.00} mortgage due. I then received another bill with a statement date of XX/XX/XXXX with a due date of XX/XX/XXXX. Why am I being billed twice for the same payment, especially after it was paid? 
Another issue is my interest rate. I have a variable rate and it has been increased by .5 % twice over the last two years. I have called several times for an explanation and to find out which index my rate is attached to. They refuse to divulge that information to me and I am put infinite hold each time. I wish to research the index my mortgage is attached to and see if the interest rate increases were valid. I believe, because of their elusiveness, that the increases are not legitimate.

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 monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX has sent several statements to XXXX  and other credit reporting agencies for a dollar amount of {$330.00}. I never received any documentation from this company and they sent derogatory information to credit agency on the following dates : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 I am being harassed by this company and my credit report is being destroyed. I have never seen an agency go after a debt like this unprofessional organization. 
Who I owe {$330.00}? 
When did they first contacted me about this debt? 
Did they ever send me documentation? No!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For my XXXX  Visa card ending in XXXX, my XX/XX/2018 statement showed {$3000.00} due on XX/XX/2018. I paid exactly the full amount {$3000.00} on XX/XX/2018, a week before the deadline, and somehow incurred additional {$25.00} in interest.

Nowhere did it say that I had to pay more than {$3000.00}, either at the time of the statement or at the time of online payment. So the company basically gets to collect interest over the full month by withholding information from customers.

The attached files show the statement with XX/XX/XXXX due date and the full payment on XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30 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: Aldous & Associates, PLLC
State: NC

Complaint narrative:
On the XXXX of XXXX I applied and pay the app fee of {$50.00} for XXXX XXXX. On XX/XX/XXXX on the way to go view the house the property manger called me and said I couldnt look and my app been denied because of rental history. I dont know if it did that because I was late making a payment, but it's been verified by my landlord and the property company that I dont have a rental history and I've been a tenant for 11 yrs without any evictions and I have a XXXX balance. 

On XX/XX/XXXX an account with Aldous and Associate was placed on me. Its was XXXX XXXX and now called XXXX XXXX. I've had good cause and reason and tried to provided to the gym that I need to cancel my membership due to a heath issue that may cause XXXX. I tried to pay what I owe and they woudnt accept it. The company sent me to collection and when I called the supervisor to dispute the issue, the supervisor was very nasty and cursing at me stating that they going to put it on my credit even if I had documentation from the dr or not and I will be givng them their money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: GA

Complaint narrative:
On XX/XX/2018 I noticed that my credit score with Transunion dropped by 76 points over night! I contend that this is not only arbitrary, but also credit  discrimination. I also noticed the numerous inaccurate information and account claims on my report which I immediately requested that same be investigated. 
How can my score dropped 76 points overnight when I consistently pay my creditors? 
I contend that this tremendous drop in score is discriminatory, unfair, and bias! 
I am requesting an investigation immediately and a resolution of this grave infraction to my credit welfare and health! 
In addition, I noticed my credit score dropped by 27 points with XXXX. I contend that this is also arbitrary and discriminatory. I am asking that same be investigated as well. 

Sincerely, XXXX 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 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Disputes were submitted to Transunion XX/XX/18. I received a letter from Transunion dated XX/XX/18 that was postmarked XX/XX/18 requesting proof of address and identity. With my original dispute they received my military id which has my social security number on the front of it and a letter from social security & veterans administration with my address. Now they want a bank statement as on of the forms. Who in their right mind would send a bank statement. This is nothing more than a stall tactic to get additional information and extend their time for investigating. This is a unreasonable request and unnecessary. Transunion is in violation of the FCRA.

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 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Student Aid (USA) Funds
State: MS

Complaint narrative:
USA funds under XXXX Are trying to say that the information that I sent including a police report does not count and that for some reason the student loan is valid. Even though I sent numerous amounts of information to them to prove otherwise. I will be seeking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My credit card provider increased my monthly minimum payment without any type of notification of the change. My minimum payment of {$30.00} for months of XXXX and XXXX were paid. However there was an increase ( starting in XXXX ) in my minimum monthly payment of {$7.00}. I'm on automatic bill pay ( recurring payments ). Since I'm using this service I don't check my statements. I do not review my statements every month due to the fact I know what I'm spending. All they had to do was contact me and explain that there was going to be an increase in my monthly bill. Instead of contacting me they began charging late fees. If I was notified I would have immediately made the adjustment to my recurring payment total. I do receive a email each month that I have a credit card statement. Same as my other credit card provider. The only reason I had checked my credit card statement was because I received a different email " Account alert '' that is when I noticed the fees being charged.

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 2018-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX, I spoke with a Bank of America manager who was handling a credit card late fee escalation on my account. I had previously been told that a {$38.00} late fee on my Bank of America credit card would be waived. After multiple escalations, the manager told me it in fact was not going to be waived and I needed to pay. On that same call I decided to go ahead and pay the {$38.00}, funded by my Bank of America checking account. The manager read me the disclosure and asked me to confirm I was authorizing the {$38.00} payment from my checking account. I agreed. The next morning ( Friday, XX/XX/XXXX ) I logged into my account and found that my account was not charged {$38000.00} instead of {$38.00}. My checking account was overdraft by over {$35000.00}, leaving me with no access to any of my money. Out of all days for this to happen, it was a day I had taken off from work to take my daughter on a tour of a sleep away camp. The camp was offering an early discount if paid that day, however my daughter wanted to see and experience the camp first-hand prior to submitting the deposit. Since I had no money for fuel, I could not make the trip, devastating my daughter. In addition, I had no money available that Friday to go to a supermarket for food or formula for my XXXX month old XXXX son. Bank of America told me it would take 3 days to process the refund ( the following Monday ) which was unacceptable. After over 3 hours of  phone escalations, Bank of America informed me I would receive the credit by XXXX Friday ( same day ). In the early afternoon I was then informed the credit wouldn't be issued until XXXX. I then received a call that I would need to wait till midnight to have access to my money again. To add insult to injury, the credit was issued by Bank of America by placing a stop payment on the check that was issued to the credit card. A stop payment fee was then placed on my account ( additional {$30.00} ) which I needed to call and have refunded today ( Monday, XX/XX/XXXX ). I am ready to move my business elsewhere after having been a loyal Bank of America customer since 1995 ( 23 years! ).

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