vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I was considering putting my house on the market and the agent told me what we would list for. I decided not to sell right now but realized I should have PMI removed since the the market has improved significantly since I purchased my home. Caliber Home Loans offers two options for removing PMI 1 ) full  appraisal and 2 ) Broker Provided Opinion. 

I chose the BPO. The Broker came to my home on XX/XX/XXXX. I told him that a bonus room was added and I wanted to make sure that was reflected in the sq footage. The Broker told me that he had to use the sq footage on the tax record unless I could give him the appraisal that shows the sq footage has increased. The bonus room was added before I purchased the home but after it was originally built. I didn't have a copy of the appraisal but told the Broker that he can get that from Caliber. The Broker said it would have to come from me. I called Caliber around XX/XX/XXXX and they mailed me a copy of the appraisal showing the sq footage to be XXXX vs XXXX which is on the tax record. On XX/XX/XXXX I received the appraisal AND a letter from Caliber saying I did not meet the requirements to remove the PMI, my LTV is 78.390 %. I didn't receive a copy of what the Broker gave them as far as what sq footage the Broker used, comps etc. 

Around XX/XX/XXXX I called to confirm that he used the actual sq footage and NOT the tax record because there is appx 300 sq ft difference. I called the Caliber XXXX number to ask for a copy and what sq footage the Broker used and if he had used comps. I spoke to agent XXXX. She said she could not give me that information and my only option was to appeal the decision by completing the " contact us '' form. She said there was no one I could actually speak to. I completed the form twice since speaking to agent XXXX and have not heard back from anyone via email or phone. I also sent a message via twitter asking that someone contact me and never heard back from anyone. 

I paid for the BPO so don't understand why I can't get a copy but more than that I don't understand why I can't find anyone that will actually speak to me. I would like to see what the Broker used to make his decision. 

I have attached the original appraisal to show the actual sq footage and the last 5 homes that sold in my subdivision as well as the denial letter. The average per sq ft is {$110.00}. If you multiply that by my ACTUAL sq footage that is {$250000.00} and I owe {$190000.00}. That is 76 %. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank XXXX N.Y. 

I was recently a victim of Identity Fraud and I was pre judged by that Branch manager and wasn't given any courtesy that the average customer with a simple checking account would've have gotten. I'm literally trying to keep everything together because the same people and or someone else has compromised my pre paid card as well. The police officers explained that TD is sending to may people to the station for police reports. 
I have way too much going on to get in depth but the way I was treated by that branch and the entire parties in this matter was extremely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I filed a complaint about the fixed rate account suddenly becoming a variable rate account and chase is going to double the interest rate for new purchases after XX/XX/XXXX ID # XXXX. Chase closed this without doing anything and RETALIATED AGAINST ME without abiding by the 45 days RULE of LAW and against the written 45 days notice required by law. It states transactions made BEFORE XX/XX/XXXX : The current APRs will continue to apply to these transactions. it states ALL changes take effect XX/XX/XXXX. Chase increased my intererest rate from XX/XX/XXXX intererest rate of 5.90 % APR to 6.15 % APR interest rate in XX/XX/XXXX .... PRIOR to the 45 days RULE of XX/XX/XXXX. 

Chase also RETALIATED AGAINST ME regarding my HEARING XXXX. Without ever answering my phone calls or calling me back after the first phone call to me. I kept just leaving voicemails. Then they RESTRICTED ME to WRITTEN communication only through the mail and DENIED me the ability to contact them by phone, text or email messages. The hearing XXXX rely on text and email messages and WITHOUT getting my permission at all, then they wrote saying that all future communication is only by written communication SUPPOSEDLY with my permission which I never gave at all. 

So they increased my intererest rate prior to the 45 days RULE of LAW of XX/XX/XXXX from 5.90 % to 6.15 % and restricted me without my permission to written communication only as RETALIATION for my complaint on XX/XX/XXXX. See enclosed photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: TX

Complaint narrative:
I have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: TX

Complaint narrative:
I have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.

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 2018-05-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc.
State: PA

Complaint narrative:
I do not owe XXXX XXXX XXXX  University. This is false and misleading information. This collector is reporting an erroneous amount. I disputed this debt with all 3 credit bureaus and this collector changed the amount owed from {$5500.00} to {$4200.00}. Now on XXXX  they changed the amount back to {$5500.00}. How can 1 bureau show a different amount than the other 2? This company has violated my consumer rights under 15 USC 1692 FDCPA and 1681 FCRA. If this account is not immediately removed i will turn this over to a consumer protection attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
These student loans were acquired by my daughter fraudulently USING MY IDENTITY/INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have contacted Transunion, XXXX, and XXXX several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX '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 2018-05-21 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: DISCOVER BANK
State: IL

Complaint narrative:
I was charged XXXX from a place called XXXX. I never signed up for this. There are many sites to look at such for free. I discputed these charges with Discover Card and all they told me is that XXXX told them is that the charges are no fraud since the card has my name on it which associates with my email. They also told me that they sent me a Welcome letter in email and several other emails. When questioning to recieve such emails XXXX has yet to supply such and Discover Card keeps telling me I subscribed to this company on XX/XX/2013. At that time I was in the process of going thru with a home purchase, so why would I sign up to look at foreclosed homes. Discover card refuses to write off these charges that I never authorized. Funny how XXXX says your never liable for unknown charges, yet they are screwing me over

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX a company charged {$44.00} on a Barclays credit card I had not used for a few months. XXXX must have changed me to paperless because I never received a statement. In XX/XX/XXXX, I saw a drop on my credit report because of late fee and interest charges. I talked to Barclays and they did waive all the late fees and payment charge fees. However, they said it was too late for them to tell the credit agencies and I would have to dispute the charges myself. This policy is crazy, because I have to dispute the charges myself and then it takes 30 days to investigate the charges. During this time my credit score has dropped over 100 points because Barclays wouldn't contact the credit agencies directly.

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 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Attempted to request for a workout option to keep home with lender and was denied for only one option ( modification ). Was told there was no other option and could not reapply for a modification. Lender requested that 50 % of past due amount would have to be paid upfront before any consideration of a repayment plan. The amount was estimated to be over {$7500.00}. I do not have that amount of money. I have attempted several times to negotiate with the lender and have provided all requested documents. I want to keep my home after residing there for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have contacted XXXX, Equifax, and XXXX several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have contacted XXXX, XXXX, and Experian several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX '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 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received a call from someone reporting to be from XXXX XXXX attempting to issue me a summons to appear to court for a debt that was owed to XXXX XXXX. They said that they sent me a notice 45 days ago and if I did not pay today that they would sue me. I gave them my email address so I could see the paperwork that they sent to my address. I then called XXXX XXXX ( previous XXXX ) to confirm the debt. Representative from XXXX XXXX said that they are not reporting and debts 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 2018-05-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These student loans were acquired by my daughter fraudulently USING MY IDENTITY/INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX I worked with my XXXX XXXX XXXX Navient to agree to terms for a Forbearance. I live in the XXXX and spent much time on the telephone working out these terms. The agreement was that they will automatically deduct {$390.00} per month on the XX/XX/XXXX of each month from XX/XX/XXXX - XX/XX/XXXX, after which we will come to new terms for payment. So far, Navient has deducted the amount on different of each month : XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This is every three weeks and not on the XXXX of each month. The problem is 1 ) this is not according to the terms of the agreement I made with Navient ; 2 ) this is every 3 weeks, not monthly ; and 3 ) this could cost me fees if my bank balance is overdrawn. Note that I have to wire money internationally from my XXXX checking account in order to get money into a US checking account to make payments. This is going to wreak havoc with my monthly expenses. I have been trying to call Navient for the last two weeks and have been unable to get through to a person. Usually there is a 20 minute wait time, and I can't afford to sit on the telephone for 20 minutes ( paying international rates ) waiting for a representative, not to mention the 10 minute it takes to repeat my information over and over to a robot and then to staff who usually can't help me and have to transfer me to someone else. Today,XX/XX/XXXX, I decided to wait it out and sit on hold, because I need to get this matter resolved. The first time I called, I was on hold for 10 minutes, then was put through to a representative who needed to transfer me to someone who could help me. He did and, in the process, disconnected me. I then called back, sat on hold another 10 minutes, got through to someone else who couldn't help me and transferred me to another representative. By then, I was out of patience at having to repeat my stats and contact information again. I then began explaining what I needed and that I had already been disconnected and could not sit on hold while paying international rates. He hung up on me. I then tried to use Navient 's system to send an email about my issue. I typed all of the above information, clicked on 'SEND ' and received an error message that the system was not working. I need Navient to correct my auto payment details to reflect the agreement that was made regarding withdrawl of payment on my account : XXXX should only be withdrawn from my account on the XX/XX/XXXX of each. This is unbelievable. They are absolutely contemptuous of overseas customers. They have made it literally impossible for me to alert them to the fact that there is a problem - and I will be the one paying for it in overdraft fees, which is absurd since it is Navient who is violation of the terms that they themselves stipulated - terms I have absolutely abided by.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I had an account with XXXX XXXX, I made one purchase, ( around {$130.00} ) paid that purchase in full but was late a few days with the payment. I then paid the late charge ( {$27.00} ) after speaking with the agent on the phone, the would not take a phone payment at that time without further charges so I made the payment myself and asked the agent to close my account, which they did. The payment posted 2-3 days late so they charged me yet another late charge for the late charge payment. The bank agents have been calling me at home, work and even my in-laws house harassing me to pay them for another late charge. ( I told them I would just return the item ). They said I couldn't do that. They have sent me to collections, ruined my credit score all because they wanted me to pay them more money for and item I paid in full for and paid a late charge for. This has been going on for months. Calling every day, then calling my work, saying they are going to turn it over to their attorney 's to sue me. It's just an awful bank and should not be allowed to be able to treat people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I received a cold call from a travel agency, The XXXX XXXX, a XXXX company, about the purchase of an all-inclusive pre-paid vacation package on my cell phone. The caller indicated that they received my information from AMEX, and they were a preferred AMEX merchant.

I thought it was a little suspicious and called AMEX customer service to discuss my worries about purchasing the vacation. The AMEX representative told me that if the vacation turned out to be a fraud or scam, then I would be protected by AMEX.

I tried to schedule my vacation with the travel agency in XX/XX/XXXX per the terms of the contract. It turned out that it was not a vacation, but an expensive trip to be in a high pressure time share sales pitch. The hotels that they offered were not the same as the ones they sold to us in XX/XX/XXXX. It became very apparent that it was a bait and switch. 

I immediately contacted AMEX with the information and sent in about 30 pages of documentation. I also sent a detailed cover letter that discussed the timeline of all actions.

AMEX opened the dispute then closed it. We refiled several times and they kept closing it down. 

After researching online, we discovered that The XXXX XXXX had been defrauding many other AMEX customers. The XXXX XXXX uses the same modis operondi on all their victims. Some have received their refunds from AMEX, others haven't. 

I want AMEX to do what they promised on on XX/XX/XXXX and give us consumer protection because we were defrauded by one of their preferred merchant accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
All people are the same. In XXXX, I purchased XXXX used cars The first down payment was XXXX, the Toyota loan, interest rate was 15.89, the monthly payment was XXXX, 72 months, and the full payment was XXXX, which was higher than the price of buying new cars. .. XX/XX/XXXX trailer This company dragged the car, I looked for two months, went to the trailer company twice, saw the car, but did not let me get my things back, my tools in the car, not On a fair loan, I bought a car and the dealer actually gave me a budget statement that deceived me as a contract and mailed the contract to my house within a few days. Does the Toyota creditor operate credit? Given that the maximum loan interest is 16, Toyota Credit gives me 15.89 interest, is it now a law to maintain a dealer like Fraud Robbers? To provide 2 to 5 interest rates for local residents, I read on the Internet every day and can see Fair loans, regardless of race, so I am a fair loan? The discrimination against me is that XXXX people do not speak English and English pays more than my credit. Credit companies fraudulent loans. As a result of future generations, I definitely Do not recognize such credit companies, for those who have a wealthy and poor value, laborers, how the labor force repays this unfair loan. Legal, legal, legal, all people in the world must abide by and believe, fair law, I beg you to have the rights and the law enforcement person to help me escape this dilemma.

Company response to consumer: Closed with explanation