vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
A Bank of America credit analyst agreed to open a new Merril Lynch card with sign up offer of XXXX reward points if I closed and transferred 4 existing accounts with their credit lines to the new card. I agreed to do so and received the new Merril Lynch card in the mail with its credit line of {$20000.00} plus ( from transferring my closed accounts credit lines ). Upon activating I was made aware the new card will not be honored per the original offer by the credit analyst and has in fact been closed. So, in addition to not being able to take advantage of the Merril Lynch offer and card, I also lost all the credit lines with the cards I closed by the credit analyst and to no fault of my own. I spoke with a manager in the credit department to address the issue and was told they would not honor the original offer and expectations that were set with me. I would like this to be done as it was Bank of America 's analyst who made these initial arrangements with 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 2017-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Lag in affording classes due to divorce and XXXX child. I can not work because of my XXXX child, which I have in writing. Will not resolve initial request for Forbearance or Deferral. Was told they needed documents. Sent some. No response. Now they claim the initial request was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a checking account with BMO Harris ( the bank ) and am required to maintain a balance of at least {$2000.00} to avoid a monthly charge. I looked at my account online this afternoon and discovered that the bank assessed a {$15.00} charge to my account on XX/XX/2017. I contacted the bank and asked the customer service representative ( the rep ) with whom I spoke the reason for this charge. She stated that it was due to my account balance decreasing to less than {$5000.00}. I informed her that I received a notice two or three years ago stating that I must maintain a balance of at least {$2000.00}, but that I was unaware of the requirement to maintain at least a {$5000.00} balance. I asked her when my account terms changed and when the bank issued the notice to me. She reviewed the account further and confirmed that I was only required to maintain a {$2000.00} balance. She stated that the fee was assessed in error and that she would reverse the charge. However, I believe this error, without the rep even understanding why it occurred, reflects a major flaw in the bank 's compliance management system.

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 2017-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WY

Complaint narrative:
I have been making extra principle payments to ditech to pay off my mortgage early. When I asked for the paperwork telling me the loan was paid in full, they told me I owed an additional {$2700.00} in a deferred interest payment from 2005. I asked why it was not on any paperwork, statements, credit reports, etc, and was told they did n't know but I still owed it. I asked who authorized this and requested any and all documentation considered in this incident including signatures and was told I would receive such in seven to ten working days. 
I have since contacted them on more then one occasion, requesting the same thing and getting the same canned answer, but no results, no paperwork, nothing but a practiced stalling technique. First off, I think this should have been disclosed on my monthly statement, if it was legitimate. Second, the amount is nonsensical and excessive if legitimate. Third, I think they may just be trying to recoup the lost interest if the loan was paid to reach maturity. I DON '' T KNOW. They have kept this charge secret and continue to do so, while my house is now paid off. Is this a standard practice for all mortgage lenders or is there some illegitimacy here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Contacted the credit bureaus concerning several accounts that 's in collection that are not mine. disputed this information along with unauthorized inquires. the credit bureaus would not move. also advised that they have the incorrect birth year for me and also sent in my birth certificate along with dl, and ssn. but they will still not remove. also contacted these agencies and they will not remove. please help. I am only XXXX and did n't not do any of those transactions

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 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I refinance my mortgage and Hloc Loan with my bank, Bank of the west, and I never authorised they touch my car loan ( with the same bank ). However without my authorisation they included my car loan I had for 2.92 % interest rate for 5 years fixed, and I already paid for 8 month, they included this loan in the refinance without I authorised for 4.75 interest rate for 30 years. I am so mad about that, I trusted in the bank and I feel I was scammed per people to try to sell services without asked me. 
I contact the bank, itis very hard to get hold of them, all I got was a letter from the compliance department saying it is fine. But never gave me a contact to contest 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 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have been paying all XXXX of my Federal student loans, and XXXX Private ones through Navient/XXXX on time for over 8 years now. I owe much more now and had no idea what this was going to do to my loans. I did n't know what Forbearance or deferment was or meant. I was forced into deferment and forbearance when I was on XXXX Leave with no income. It was presented as my only option to keep them " current ''. I sent in my pay-stubs and income based repayment application multiple times to try to lower my payments and was ignored and then denied. I found out they capitalized my interest and principle even though I was only on Forbearance or deferment from XX/XX/XXXX to XX/XX/XXXX ( 2 months ). My interest rates have increased and I do n't understand why. I should have been on a 25 year repayment plan, not 10 with my total loan amount. I feel totally taken advantage of and this this was deceived and miss led into both deferment and forbearance when it was not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
I bought a new Kia vehicle on Sat XX/XX/XXXX. In the following week I set up the info online so that Kia Motors Finance ( KMF ) would be able to automatically draft the monthly payment from my checking account when payment was due. The first payment was due XX/XX/XXXX. However, my action in setting up the automatic draft info prompted their system to actually take a payment for the loan out of my checking account immediately, without my authorization. I contacted them on Mon XX/XX/XXXX to find out how I could get that refunded. I followed the instructions and provided them proof of this the same day. I was told it would take seven business days to process. 

Followed up on XX/XX/XXXX as to status. Was told payment would be mailed on XX/XX/XXXX. 

Followed upon XX/XX/XXXX but got no update status because people who process refunds were unavailable. Operator supposedly emailed them to request status update but never heard any more from them. 

Followed up on XX/XX/XXXX. Told I could have the payment applied to my account since payment would be due XX/XX/XXXX. That would take three days to get processed. 

Followed up on XX/XX/XXXX. After three attempts to reach a supervisor ( first two of which I was hung up on ), I was told the refund check was sent Tue XX/XX/XXXX from Georgia. 

On Fri XX/XX/XXXX I received a call from XXXX with KMF. She told me the check was processed and mailed that day. I confronted her about how this information conflicted with what I was told on XX/XX/XXXX. I gave her an earful about all the lies I had been told throughout this ordeal with no resolution whatsoever. 

I need to get this resolved and have no idea of where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My issue is with Experian & some incorrect information that they are reporting in my file. They are reporting a XXXX XXXX account that does n't belong to me. Experian cites the account was discharged through Chapter XXXX bankruptcy, when in fact I 've never filed any type of bankruptcy or owned a XXXX XXXX Credit Card account for that matter. Which leads me to my next issue with them. Experian is also reporting a Chapter XXXX bankruptcy on my file, when in fact I 've never filed any type of bankruptcy. I 've requested validation & for them to remove but they refuse citing unless there is new information from when I originally disputed the XXXX items, they will not Remove or Reinvestigate the Accounts/Judgements. Furthermore Experian refuses to send me the items that were used to validate these XXXX items in my file. I 've had a lot of fraudulent activity on my file in recent years which led me to put fraud alerts on each of my files. Due to that, I 've worked tirelessly over the years to get my information corrected on my files with each Credit Reporting Agency. I 've also verified with all the 3rd party reporting agencies XXXX, XXXX, XXXX, XXXX, & XXXX that no public records, judgements, or tax liens exist in my files. At this point, I feel Experian Never Investigated or Verified the information in my disputes or credit files ... which is a huge violation of the FCRA 15 U.S.C, 1681g. If Experian does n't have any documentation in there files to verify the accuracy of these disputed accounts then they must Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on m credit reports and distributing them to 3rd parties, Experian is damaging my reputation and credit worthiness.

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 2017-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
Roundpoint paid my homeowners insurance IN ERROR. Only my principal/interest and taxes were getting escrowed. I tried calling many times and got different reps that all had different solutions. I paid the {$2500.00} back. They are now sending me a refund because I paid more than their INCORRECT escrow analysis statement and are raising my note {$150.00} a month. I can not get a direct line to any supervisor to get this problem corrected. I have been on hold for over 45 minutes waiting for a supervisor as I am writing this.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed inquiries that were not made by me however I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I was unknowingly enrolled in discover cards payment protection service since XX/XX/2009. I kept seeing the charge randomly on my bill and thought it had been a required service since I 'm positive I had never signed up for it. I researched it today and found out that they had a lawsuit against them for this service. I called discover and voiced my concern about feeling taken advantage of because I 'm fairly poor. They kept telling me the best they could do was reimburse me for six months. I 'm not satisfied with six months because they 've been charging me for this service for eight years now. They kept insistining that 's the best they could do. I feel really taken as a tale of at this point and hope there is something I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 30 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thou

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
The bank released 2 years of financial transaction and my account number to anparty not associated with my account. The bank then allowed a deposit from the same third party on a second incident again who is not associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: MA

Complaint narrative:
i have been applying for income driven repayment for almost five years. the application is either lost or they claim they need additional info from me when i have sent it multiple times throughout differing means ( Postal sevice fax and email ). they are continuing to charge me interest and will not defer the loan when i have financial issues. They al ; lso ask for every piece of information to validate the account when they are not required to. I have spoken with 4 reps today two were supervisors and all refused to help even tho i have provided them with 3 pieces of personal information to authenticate the account. I just want an income driven repayment plan and to have my bill lowered please assist. as i am getting nowehre calling them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
no contract, I send a letter certified letter to verify the debt on XX/XX/2017 and never response to the letter. I did advise in my letter if cant verify, please remove off my credit and it was never removed.

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 2017-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have written a certified letter with return receipt to Portfolio Recovery Associates that was received on XX/XX/2017 and signed for by XXXX XXXX. The debt they are trying to collect on is beyond the statute of limitations and they repeatedly call after verbal requests and subsequently a letter. Their last call was by XXXX XXXX on XX/XX/2017 at XXXX, where she was informed of my letter and receipt by the company. She noted that the information was not uploaded into my account. This is the second call that I have received since I have gotten confirmation of their receipt of my request. This complaint is due to their violation of the law and not honoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened an account at XXXX with Synchrony Bank. During the holiday season, someone depleted money from my checking account. I called Synchrony to explain what was going on and informed them that until I had money to put back in my account I was not able to make the payment on the card. They said they understood and not to worry - DAILY I received calls 2-5 times a day as to when I was going to pay the amount due. Once I got the money, I paid {$150.00} at XXXX and the next week I got a collection letter. I am trying to bring my credit report up, not lower it. In addition, I have a Care Credit account with Synchrony. I was paying {$50.00} 2x a month until it seemed that more money than I authorized was coming out. I immediately went into Care Credit and removed any future payments and then called Synchrony to make sure they had no other payments listed that they would take out for. I was told they saw nothing. Next month they took out {$50.00} and they cashed the check I sent them for {$50.00}. I have an Amazon account with them, so far so good, but I am sure after I have complained to the FDIC you and the Ohio Attorney General 's office that something will go wrong with that as well. In addition, I have requested paper statements - it is hit or miss when I get a statement - though they say they are sending them to me. I have been reading many, many complaints online with regards to Synchrony Bank - I wish I had read them before now.

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 2017-04-17 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I am an XXXX military member and signed up for the Barclaycard 's Luxury MasterCard Gold Card which carries an annual fee of {$990.00}. It became well known though that they would waive the annual fee for XXXX military members and lower the APR to 0 % while the cardholder is on XXXX. This is the case when I signed up and was informed that they indeed were providing those additional benefits under XXXX. Those benefits are above what XXXX calls for, but nonetheless, they are benefits that were promised and initially granted. I was told that I would pay no annual fee as long as I remained on XXXX. 
About a month ago, I received a letter stating that they would no longer waive the annual fee and that they were not grandfathering me in, although I had already signed up for the card about 7 months ago and was explicitly told that I would not be charged the annual fee ( the 0 % APR remains in effect ). They have reversed course on a deal that they were providing ( understandable ) and were not going to honor that deal that they had already made to current members ( not so understandable ).

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 2017-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Ditech failed to help me with my loan modification- they called it loss mitigation request. They had me send them all types of information for three months or more, telling me I did not send papers which I know I sent. While going through this, they kept increasing my loan amount. They even stated that I did not pay my escrow account, when I actually had. They over charged me and I had to pay more that month ( By the way, they did the same thing the year prior and I had to wait a month to get my money back. ). 
On XX/XX/2016 I had to pay {$1400.00}, then XX/XX/XXXX, XX/XX/XXXX I had to pay {$2500.00} and that continued until XX/XX/XXXX where it increased again. While this was occurring my loss mitigation claim was being ignored. On XX/XX/XXXX XXXX XXXX states she would escalate because all documents asked for had been turned in. Nothing happened. I contacted them again and XXXX XXXX told me the same thing. Still nothing. Then when I called I received a recording once I put in my claim number. No one called me back, after I left a message. 
I then had to refinance with XXXX because I could not afford the $ XXXX+ that my mortgage went up to. When I inquired why it kept increasing, first I was told my residual escrow account was added on. After proving I had paid it in full, I was told it was taxes. 
Recently, they sent a letter stating I was denied because I did not provide the necessary documentation. This was completely not true. I know of one other person that has gone through this, and she is is a completely different state.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation