vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 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: U.S. BANCORP
State: OR

Complaint narrative:
I have been a loyal customer with the U S Bank for over 50 years. Ive had both personal and corporate visa credit cards throughout the years and have consistently paid the monthly payments on time. The interest charges have always been competitive and consistent with my other banks. Although, recently the US Bank substantially increased the interest rate for no justifiable reason. I have contacted the US Bank card services to come up with a solution to this situation but unfortunately the US Bank is not willing to work with me to get the payments back to a reasonable monthly payment. As a senior citizen age XXXX on XX/XX/XXXX of this year, being on a fixed income has put my wife and I in a financial bind. I can understand an interest rate change for customers that consistently make late payments, but in no way should a rate increase be made to a long lasting customer that has made monthly payments on time for many years to current. I am asking for your help to get a resolution to our problem, as well as making sure this does not happen to any other elderly customers that are compliant with US Bank.

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 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
All I know is the thing on my credit report is BRCLYSBANKDE and I dont know what this is

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 2018-09-11 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: United Revenue Corporation
State: TX

Complaint narrative:
I filed a complaint with the CFPB -Experian has responded that United Revenue STATES THIS IS legitimate- NO DOCUMENTATION - ZERO - and has placed this FRAUD statement on my credit bureau again- Experian has no PROOF - NO DOCUMENTATION what so ever and never will - this is a fraud debt by this firm United Revenue- I am demanding Experian follow the FTC guidelines on Credit Reporting - I am XXXX - elderly and handicapped this is a TOTAL fraud and I have reported it to the ADA * XXXX * I am seeking damages in a court of law - This is what is reported ** XX/XX/2018 Source Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I recently submitted a complaint to CFPB on XX/XX/XXXX since I was given a loan modification by Ocwen Loan Servicing Company ( Complaint No. XXXX ). Therefore, since I was granted a loan modification and accepted the Streamline Trial Period Modification I was reassured once again by the Relationship Manager XXXX XXXX XXXX that the foreclosure case would not proceed. Please keep in mind that this foreclosure action was dismissed in XX/XX/XXXX and signed by the XXXX Supreme Court Judge XXXX XXXX on XX/XX/XXXX ( Index No. XXXX ). However, on XX/XX/XXXX the attorneys for XXXX XXXX XXXX and XXXX did not remove their motion to restore this foreclosure case even though a Consumer Financial Protection Bureau XXXX HOLD '' applies to this action. The attorneys for Ocwen wrote a letter to The Honorable XXXX XXXX of XXXX Supreme Court on XX/XX/2018 informing him of the CFPB " HOLD '' applies on this case, and it was XXXX -filed on XX/XX/2018. I Quote the letter by Attorney XXXX XXXX " We have been advised by Plaintiff, through its servicer, that an active Consumer Financial Protection Bureau ( hereinafter " CFPB " ) hold applies to the Action based on loss mitigation activity. The subject hold takes into consideration any appeals, as stated in 12 CFR Section 1024, which may be taken by the borrower. '' " In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time it prepares to foreclose on the subject property. See 12 CFR Section 1024. '' " Accordingly, Plaintiff respectfully requests that the pending motion practice is held in abeyance while the matter remains on a CFPB hold. We thank the Court for its time and understanding '' ( END QUOTE ).

When I spoke to Miss XXXX my relationship manager at Ocwen today XX/XX/XXXX she told me that their was a foreclose hold on this case, but when she emailed me today she stated that there was a foreclosure sale hold on my case. Please keep in mind that this action was dismissed and not restored, and there is currently a motion pending to restore this case. However, since I accepted a Streamline Trial Period Modification their motion to restore must be removed, immediately. Ocwen is violating RESPA Regulation X. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK

Complaint narrative:
I attempted to make my XXXX mortgage payment on XX/XX/XXXX only to discover my mortgage payment was increased without any notification. I contacted XXXX XXXX XXXX XXXX and was informed that I failed to pay my taxes for XXXX. I explained I had a receipt for the XXXX taxes that I paid in XX/XX/XXXX. I was told on teo different phone calls on XX/XX/XXXX and XX/XX/XXXX that the correction would be made. As of today they are still escrowing for taxes. I have a not escrow account as I approval from previous lender to pay my taxes and insurance. I feel Rushmore has violated my rights as a consumer as they did not contact me by phone, e-mail or mail advising or asking about the taxes. I believe i was to be given notice of the payment change at least 15 days or more before the effective change as if this date that still has not happened. I have made the payment at the higher amount because I can't afford to ruin my credit just because Rushmore will not fix the payment to principal and interest only. Rushmore has been very uncooperative and has given me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX XXXX  XXXX. for breach of warranty under the Uniform Commercial Code.

Final measure in a long term probate case which involved a check written to the estate that was mishandled ; received and deposited into a personal checking bank account instead of an estate bank account. 

Check written XX/XX/2017 to the Estate of XXXX XXXX XXXX deceased in the amount of {$15000.00}. It was received by XXXX XXXX XX/XX/2017 and deposited into a personal checking account.

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 2018-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Riverwalk Financial CORPORATION
State: OR

Complaint narrative:
Riverwalk called me to offer help lowering my student loan repayments however they did not explain the fee will apply. Instead they declared the money will go toward my loan repayments considering giving a fault statement. I did not want to pay fee to lowering my loan because it can be done free through fafsa.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
In 2012, I obtained a loan from US Bank to purchase a new boat. I have made regular payments over the life of the loan, and several years ago I started making principal only payments. I received monthly statements which indicated the principal balance outstanding, which I was steadily working down to the point this summer where the loan should have been paid off. My monthly statements for the past couple of years have always reflected " interest due '' of XXXX. When I got to within a couple of thousand dollars of having the principal paid in full, the bank claimed for the first time that there were thousands of dollars owed in interest. My monthly statements never reflected this. I requested a loan reconciliation/history of payments, which also shed no light on the interest now supposedly due. The explanation I received on the phone was incomprehensible, and I was assured there were no errors. Every time I call, there is a material difference in the sum they now claim to be the payoff amount. The bank has failed to disclose material information, and I have no confidence whatsoever in the accuracy or honesty of the amount they now claim is due.

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 2018-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I have been paying my loans through XXXX XXXX  since 2015. Whenever I make a payment either through Credit/Debit, Checking/Savings Account or automatic payment ; there is a fee of 3.95 % of the payment, plus an additional {$1.00} fee for one-time or reccuring payments. None of my other student loan providers demand such fees and it seems unjust that this is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX I applied for and received a GE Money Bank Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with GE Money Bank based on what I felt was a BAIT & SWITCH Scheme. GE Money Bank did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but GE Money Bank sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.

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 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had used my wife 's bank account to pay billing on credit card and some payments were returned. Since then my brother made a payment of {$300.00} and got account in order to charge for credit. Afterwards the account has become restricted for use even after verifying my wife 's bank account. The Capital One bank said they need to verify his account with bank as well and my brother refuses to do so stating it is unnecessary. Meanwhile I have credit available of close to {$200.00} but card is Restricted for use by me due to Capital One policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: NJ

Complaint narrative:
This creditor has illegally re-aged my accounts and the creditor and CRAs have failed to rectify the problem after multiple requests and a previously filed complaint with the CFPB and NCUA. 

The accounts appear to have been charged off in XX/XX/XXXX, first delinquency reported as of XX/XX/XXXX. However, the credit card account then begins to show as if it was being paid again from XX/XX/XXXX to XX/XX/XXXX and then resets to 30 days delinquent in XX/XX/XXXX then charged off again in XX/XX/XXXX. The one that was finally fixed ( XXXX ) shows that it will be removed as of XX/XX/XXXX, the other ( XXXX ) now reflects that it will be reported until XX/XX/XXXX, meaning the date of first delinquency was reset. 

These accounts have been illegally re-aged and should be immediately removed from my credit report.

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 2018-09-11 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: NJ

Complaint narrative:
This creditor has illegally re-aged my accounts and the creditor and CRAs have failed to rectify the problem after multiple requests and a previously filed complaint with the CFPB and NCUA. 

The accounts appear to have been charged off in XX/XX/XXXX, first delinquency reported as of XX/XX/XXXX. However, the credit card account then begins to show as if it was being paid again from XX/XX/XXXX to XX/XX/XXXX and then resets to 30 days delinquent in XX/XX/XXXX then charged off again in XX/XX/XXXX. The one that was finally fixed ( XXXX ) shows that it will be removed as of XX/XX/XXXX, the other ( XXXX ) now reflects that it will be reported until XX/XX/XXXX, meaning the date of first delinquency was reset. 

These accounts have been illegally re-aged and should be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: NJ

Complaint narrative:
This creditor has illegally re-aged my accounts and the creditor and CRAs have failed to rectify the problem after multiple requests and a previously filed complaint with the CFPB and NCUA. 

The accounts appear to have been charged off in XX/XX/XXXX, first delinquency reported as of XX/XX/XXXX. However, the credit card account then begins to show as if it was being paid again from XX/XX/XXXX to XX/XX/XXXX and then resets to 30 days delinquent in XX/XX/XXXX then charged off again in XX/XX/XXXX. The one that was finally fixed ( XXXX ) shows that it will be removed as of XX/XX/XXXX, the other ( XXXX ) now reflects that it will be reported until XX/XX/XXXX, meaning the date of first delinquency was reset. 

These accounts have been illegally re-aged and should be immediately removed from my credit report.

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 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
At some point in XXXX, a former employer used my information to open a XXXX account in my name. I have never lived in the part of the state the account was opened in, I have been a XXXX customer in good standing since XXXX ( when they were still XXXX ), I have never had need for any other phone service since I work with XXXX and they provide all my other data service needs ( hotspots and internet ). I immediately began contacting both this fraudster employer and XXXX to close this account or pay it off so that it could be closed and out of my name. XXXX was no help, and the fraudster made promises then fled the country back to XXXX after being investigated for other fraud. I have been fighting XXXX over a now closed and now in default account and balance of {$360.00} since XXXX. They have removed it from my credit report, asked me for affidavits which I submitted, and then resent it to collections multiple times. This is my final resort after 4 years of fighting. If this was my own debt, paying {$360.00} would be nothing. I refuse to pay something that is not mine and that I have never used or benefitted from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: URS Holding, LLC

Complaint narrative:
Additional documents related to CFPB case # : XXXX It appeared that XXXX charged-off this account, claimed a loss as tax cut, and sold the account to an agency named Alltran ( XXXX ). My recent payment to XXXX was returned, due to a change of payee. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
They are attempting to collect a debt for amounts not owed. They advise me that the bill is incorrect and acknowledged it themselves. they advised me that a final bill hasn't even been produced by XXXX but are trying to collect amounts that are not owed. and when a credit is due. so they are collecting a amounts not owed and they state that they can not follow dispute with XXXX 's even though they now have the account and the account was only the deactivated on XX/XX/XXXX but it's already in collections.so I want them to cease and desist all collection actions. I want the collection sent back to XXXX these amounts are not owed. I will pay for the days of service are utilized but they refused to take payment for that as well so this that is no longer owed and they need to not add this to my collections otherwise I will file Suit for a {$1000.00} for every violation as well I'll Sue for violation of the debt collection act they refuse to take payment and they admitted themselves these amounts are not own.

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 2018-09-14 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: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
This company is not Metro 2 complaint in regards to the balance being reported and also the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: MI

Complaint narrative:
This company is not XXXX XXXX complaint in regards to the balance being reported and also the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Total Card, Inc.
State: NH

Complaint narrative:
The company will several times a day multiple times a week when I answer the phone the person on the other end hangs up. An example of this would be yesterday they called 4 times XXXX XXXX, XXXX. Each time I answered the phone someone would hang up. I then called the number and spoke with a XXXX in customer service explaining my issue, she then turned the call over to a supervisor named XXXX who informed me she would remove my phone number from the account. However half an hour later at about XXXX they called again and when I answered they again hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I contacted XXXX by phone but it only gave me an option to leave a voicemail which I left 5 voicemails already asking to call me. No calls feom them for few days and finally after the fifth voicemail somebody called me and I ask them to place a security freeze on my file. The representetive stated that the request has to be submmited either by mail or fax and they can not proccess the security freeze over the phone. I already summited a security freeze request also by email, online by uploading the requested documents on their website and by fax. So far I only got one letter and they said because of the quality of the submitted documents ( which was my ID ) they need more info and better quality copyto be sent. Even though I submitted a original photo online and also by email, I sent them the docs one more time qith fax and since then I have not receive any respond or confirnation from them. I tried every single way they explained over the phone to place a security freeze but looks like nothing been working so far. Since they failed to place a securitybfreeze as they required by law if the consumer requests but they did not, I decided to use cfpb complaint system to submit my request. 
I am requesting XXXX  to place a security freeze to my file since I've been a victim of identity theft and recently some suspisious activity been going on under my name, I want to make sure all the sources or any report under my name to be freezed until the issue is resolved. 
Thank you 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