vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Have tried to have phone number removed even blocked numbers to not receive calls concerning interest rates. Received call this morning XXXX/XXXX/17 concerning reducing my credit card interest rate ; did not identify what card company. Requested to again speak with Representative. Explained that I had requested to be put on a no call list to not receive calls and wanted to know why I was receiving this call. Representative said something I could not understand ( due to XXXX accent ) so I ask him to repeat ; he stated '' Because a friend had told him I gave XXXX XXXX XXXX '' ; I told him where he could go. Hung up! Hit call backl and called the number XXXX and it went to Capital One Customer Service. I requested a supervisor who said they do not make these kind of calls concerning reducing interest rates. This call came in to me around XXXX XXXX lasted 4 min. This is also the number on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Tuesday of this week, XXXX XXXX, XXXX, I paid off my mortgage that was held by Bank of America. The money to payoff the mortgage was transferred from another account that I had with the bank ( Rewards Money Market Savings ). The amount of the payoff was {$40000.00}. Prior to the payoff taking place, I could view my mortgage payment transaction history ( Payment Date, Payment Amount, Principal / Balance, Interest / Buydown, etc ) online on the Bank of America website. After the payoff, the transaction history was removed, that is, it can no longer be viewed. So, the payoff and hopefully the XXXX balance can not be viewed or printed. I called the Bank of America Mortgage Department this morning, Thursday, XXXX XXXX, XXXX, at XXXX XXXX to complain about the removal of the transaction history. I was told that their system automatically does this. The representative told me she would mail me a copy showing the payoff amount and that I would receive it within seven to ten business days.

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 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
XXXX Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XXXX Sent letter to XXXX to dispute the collection ( {$490.00} ) XXXX Submitted online dispute to XXXX XXXX {$490.00} ) XXXX Sent letter to Suburban Credit Corporation to dispute collection ( {$490.00} ) XXXX Sent letter to XXXX that neither collection agency had verified the collection ( {$490.00} ) XXXX Submitted another online dispute with XXXX ( {$490.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened my checking and savings account with BMO in XXXX XXXX. I opened with a special offer of {$300.00} bonus for checking account and {$200.00} for the savings. I have been inquiring about the bonuses for months, only to be told to wait. Now I did not get the bonus and this was escalated to the marketing department under Ticket XXXX and I was told the type of savings account I opened was ineligible. This is infuriating as I had no say in what type of account was needed, I was not given a confirmation of the bonus or any other documentation at account opening about the requirements. I want this escalated and I feel that there is no reason I am not awarded the {$200.00} bonus.

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 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I access my account online and I noticed in my statement a charge of {$4.00} for cash advances. I call the institution to ask why they are charging me {$4.00} charge. They said the charge was for balance transfer from other institution card. I claimed that according to the terms and conditions of the product, there is no transfer fee. In addition, the promotion clearly established there is no charge for balance transfer. Therefore, i understand the charge does not apply. Moreover, I apply for the credit card because there were not supposed to be any charge. The institution insisted the charge apply, because the card has a promo of 4.99 % interest for the first 12 month.

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 2017-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: ME

Complaint narrative:
I received a letter from Avant informing me that I was pre-approved for a loan in an amount between : {$1000.00} and {$25000.00}. I logged into the company 's website to check my rate as instructed. When I did so, I was immediately declined without reason. Moments later I received an email titled " Notice of Adverse Action '' from Avant, informing me I was denied. Additionally, I was told to contact the Application Review Manager at XXXX XXXX Avant to request a reson for the denial. Lastly, the company informed me that they obtained my credit information from XXXX, the basis on which they made their decision. Why did Avant decline my loan request after notifying me four different times in their unsolicited letter that I was pre-approved? Why was I not informed that the loan was provided by XXXX? Why did the company run my credit report, when I was told at the outset that my credit report would not be affected?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: MB FINANCIAL, INC.
State: MI

Complaint narrative:
I have multiple unauthorized credit inquiries  (   XXXX  in total ) over the past year coming from the same agency. The first  one  started on  XXXX   XXXX ,  XXXX  till the last one that happened  XXXX   XXXX ,  XXXX . This appears in   XXXX   and  XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
As of XXXX/XXXX/XXXX, I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX. to submit a complaint to CFPB indicating that my second mortgage SLS ( Specialized Loan Servicing LLC ) at XXXX XXXX XXXX in XXXX, CO XXXX either release me from the debt which is charged off or written off the books, or put back on books, which is preventing me from getting assistance through the EMAP Federal Loan program under CHFA, I was approved on XXXX XXXX, XXXX and provided all my documentation needed. Then on XXXX/XXXX/XXXX because SLS would not give a settlement amount or put my loan back on the books, I was denied. I receive a statement every month but it does not show the XXXX figure going down or the amount I have paid decreasing the loan. There is a past due amount but nothing indicating what has been paid on loan especially since I have had them since XXXX, a loan that started at XXXX is now up to XXXX. Original payments of XXXX in XXXX for at least 5 years until I lost my job and payments started at XXXX, monthly. XXXX XXXX was my loan servicer before SLS so I need clarification in writing indicating the balance owed. Thank you in advance for your help.

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 2017-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
The Texas Higher Education Coordinating Board currently services two of my loans. They have, for years, made it difficult to make payments in the following ways : Not accepting XXXX debit cards. Not having auto pay functionality. Using various external vendors to process payments. Multiple dead ends on phone tree, most recently on XXXX/XXXX/XXXX. They have also utilized lax and dangerous privacy policies : Until XXXX, the social security number was the login and date of birth was the password. My main concern is the lack of auto pay functionality and XXXX acceptance. In the current environment the only reason for either is, 1 ) Deciding not to incur the expense of setting up such a system, which is unlikely given the numerous vendors able to implement this. 2 ) Indirectly causing late payments or forcing payment through processes in which they collect fees, both of these in an effort to increase ancillary fee revenue. THECB, as recently as XXXX XXXX, has acknowledged the lack of the usability of both its website and customer service functions, but has done nothing to improve either. It plans in XXXX to spend $ XXXX on compensation servicing approx. $ XXXX worth of loans using XXXX FTE, an unfathomably poor efficiency ratio and a model of government employees enriching themselves at the expense of the tax base and their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
In XXXX XXXX, I withdrew from school because of the death of my then fiancee to XXXX. I was struggling financially from his death and I was left with no financial support from his estate. I was attending XXXX XXXX and I spoke to them about the issue and then informed me I owed money to the school because they returned the funding back to my loan company and to the VA ( Veteran 's Administration ) through my voc rehab program. I explained to the school I could only pay {$50.00} a month back making good faith to pay back the money. The school refused to take my money and was very rude and told me " should pay my bills ''. I tried over the 2 year period to speak with someone that would listing and help me through debt. I finally got back on my feet financially in XXXX XXXX and again reached out to the school about the debt. I was told that I could make payments to the school directly through the portal. I made my first payment in XXXX XXXX of {$270.00}, the school accepted the payment. I was then rudely told I could not work an agreement with them and I needed to contact ConServe. I contacted them and again after being spoken to in a very threatening and rude tone, I called back and spoke with a supervisor. We worked out a payment plan of {$200.00} a month, I have even made additional payments since that point to bring down the balance, however now they have put this on my credit report, runined my credit score and are n't even reporting the amount correct stating I owe over {$3800.00} which is not true. I just need help, I have filed a complaint against this company Conserve with the BBB and still have no resolution. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As a married couple we own real estate of over XXXX Million in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: MI

Complaint narrative:
The car was repossed. They say the balance is {$6600.00}. When I talked to the agent back in XXXX XXXX of 2016 they told me the balance was half of that.

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 2017-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
Dealing with OCWEN is like an endless game of chess with masterminds when I am a rank beginner. This game has gone on for several years but I will single out the most recent demands : I was told that I owe in excess of {$9000.00} and I must come up with two down payments to remedy the situation -- the first amount being for {$4500.00} due on XX/XX/XXXX and, then another due on XX/XX/XXXX for {$2500.00}. Thereafter, until XX/XX/XXXX, I owe an additional {$500.00} on top of my monthly payment of {$1700.00}. If I am ONE day late, all bets are off and they will begin proceedings against me. I have sent money via XXXX because if I send a letter with the funds they always say that I have not sent them on time and charge me additional money. They blocked the XXXX account that I have always used at the same place with the same service manager who has always been able to send the money but this month was unable to do so. I then sent money orders totaling my monthly payment which they returned to me, stating they would need " payment in full '' or nothing. When I challenged the amount they were demanding, they came up with a date from several years ago during which time they said I failed to make my monthly payment. However, I was in bankruptcy court at the time and the US bankruptcy trustee was overseeing my payments. He would have pulled my Chapter XXXX bankruptcy protection as a result and I would have lost my home then and there. Payments are not posted accurately. " Relationship managers '' which you are assigned and who supposedly sign off on agreements are not there when you need them. After sending them the {$4500.00} they demanded, they called to tell me they needed an OK to post the funds. Despite the fact that I provided tracking numbers for both the post office and the XXXX, they tried to imply that I had not sent them on time even though I e-mailed them the tracking information for both overnight and same day transmission of funds which should have proved the funds were sent on time. I could go on for hours regarding the mountains of mail I receive, the demands and the egregiously fraudulent activity I have endured. I know others trying to manage similar situations, one of who is an XXXX year old lady who is XXXX XXXX and can not manage any of the unintelligible XXXX they constantly sling. Time to serve a cease and desist order on these despicable people.

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 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I filed a complaint with you, complaint XXXX, regarding XXXX XXXX XXXX. The complaint was about being billed for a cancelled phone service. I cancelled my home phone in XX/XX/XXXX and in XX/XX/XXXX received a phone bill for a full months service even though my phone service was cancelled. I called XXXX XXXX XXXX and spoke with a rep who said he would resolve the problem.In XX/XX/XXXX I again received a phone bill for the bill I received in XX/XX/XXXX. I called XXXX XXXX XXXX and spoke with a rep who said he would resolve the problem. In XX/XX/XXXX I again received the bill and called again and spoke with a rep who said he would resolve the issue.In XX/XX/XXXX again received a bill. Didnt call because it never resolved the problem. In XX/XX/XXXX I received a letter from a collection agency, ( Diversified Consultants, Inc.regarding my bill from XXXX XXXX XXXX. Out of frustration I sent them the {$100.00} they said I owed to XXXX XXXX XXXX..I then filed a formal complaint against XXXX XXXX XXXX with your business, Complaint number XXXX. After receiving a reply from your company via e-mail telling me you had attemptrd to solve my problem with XXXX XXXX XXXX. Apparently your pressure resolved the issue as I received a check for {$100.00} from Diversified Cosultants Inc.stating there was an over payment on the acccount.. Was the problem solved? Apparently not as yesterday I again received a bill from XXXX XXXX XXXX for {$100.00}. I am angry, frustrated and totally XXXX XXXX. Once this issue is finally over I will cancell my XXXX, an affiliate of XXXX XXXX XXXX and switch to the XXXX XXXX. I presently pay over {$200.00} a month to XXXX for satellite TV and because they are connected to XXXX XXXX XXXX i want nothing to do with them. It will be almost a {$2500.00} loss to XXXX This issue has been going on for over six months now and XXXX XXXX XXXX need to realize I dont owe money for a cancelled phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Big Picture Loans, LLC
State: DC

Complaint narrative:
I borrowed {$400.00} from Big Picture Loans in XX/XX/XXXX and I have paid {$200.00} in each of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for a total of {$600.00}. The lender refuses to discharge the loan and wants me to pay {$200.00} a month until XX/XX/XXXX. I can not afford to pay that amount and have told the lender but they insist that I pay. The interest rate is 735.9112 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: PA

Complaint narrative:
I have inquires on all my credit report that was not authorized my me.  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , I 've send letters and made numerous phone calls to have this inquires 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 2017-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Main Street Personal Finance
State: VA

Complaint narrative:
I had applied for a home loan and found out there was a default judgement issued against me back in 2010 from XXXX XXXX XXXX.When I called the court I was told where they posted my court notice and I did not even live at that address which I can prove. The company is now out of business so I can not take court action against them for 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 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have 5 checking accounts w US bank and I received a 10 day notice they were closing all my accounts and would not give a reason. No checks were ever bounced. I will not get my social security check which I desperately need.

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 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
XXXX. My daughter had XXXX XXXX done. The XXXX is saying I owe a balance of {$990.00}. My daughter had dual dental insurance that paid for the services.

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 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc
State: IN

Complaint narrative:
I reached out to the credit bureaus to contact the collections agencies alleging I owe them a debt and to send me proof of debt with their company. I never recieved verifiable proof showing I owed debt to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: OK

Complaint narrative:
This is apparently a debt owed by my husband 's son XXXX XXXX. They call almost daily and I 've told them he 's a XXXX yr old man who does not live with his daddy. They call from XXXX. They said they are with XXXX in XXXX Mass. although that is not a XXXX area code. Address I was given by a XXXX was XXXX XXXX XXXX XXXX Mass. XXXX

Company response to consumer: Closed with explanation