vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. XXXX XXXX XXXX has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to XXXX XXXX XXXX requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I AM APPLYING FOR HARDSHIP ASSISTANCE WITH MY LENDER FREEDOM MORTGAGE. THEY ARE REQUESTING FOR MY XXXX TAXES, I HAVE LOST MY 1040 'S AND HAD TO CONTACT THE IRS TO REQUEST FOR A COPY WHICH THEY PROVIDED MY TRANSCRIPTS FOR XXXX AND XXXX. I HAVE SENT THEM TO MY LENDER AND THEY ARE STILL REQUESTING FOR MY TAXES, I HAVE CONFIRMED THAT THEY HAVE ALREADY RECEIVED THE TRANSCRIPTS VIA EMAIL AND THE REPRESENTATIVE THAT I WAS SPEAKING TO TODAY STATED THAT HE DOESNT KNOW WHAT TRANSCRIPTS ARE!! THIS IS INSANE! HOW DO YOU LIVE IN UNITED STATES AND NOT KNOW WHAT IRS TRANSCRIPTS ARE, HOW CAN FREEDOM MORTGAGE HAVE AN UNDERWRITER ON STAFF THAT DOES NOT KNOW WHAT TRANSCRIPTS ARE!! I LITERALLY HAD TO EXPLAIN STEP BY STEP WHAT TAXES ARE FROM 1040 'S ALL THE WAY TO TRANSCRIPTS FROM THE IRS!! 

IT IS APPARENT NOW THAT FREEDOM MORTGAGE IS DUAL-TRACKING AND I WILL NOT TOLERANT THIS IGNORANCE. IT IS NOT MY RESPONSIBILITY TO TRAIN FREEDOM MORTGAGE UNDERWRITERS AND EMPLOYEES TO RECEIVE HARDSHIP ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was offered a deferred interest credit card by Synchrony bank for Living spaces. 
I was making the regularly scheduled payments, but noticed that my balance was not going down at the rate expected for a zero interest card, upon further examination, I noticed after 8 months of paying on the card, that they had added a credit protection service to my account without my permission at a rate of XXXX per month. 
My promotional balance shows XXXX, however the total balance to be paid shows XXXX. My balance is increasing month over month XXXX per month for nearly 12 months charged without my permission with interest being charged on that XXXX. 
I attempted resolution early XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. Each time saying it would be credited back, with no real resolution. 
My concern is that they are adding these fees without consumer permission and it will prevent the promoted no interest balances from being paid in full. that means more than 26 % interest will be charged massively increasing the balance. This definitely is shady and similar to the conduct XXXX XXXX was practicing.

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 2018-09-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Conserve is violating my FCRA rights, by reporting things on my credit dumping my score tremendously, i paid XXXX  XXXX XXXX because they state to me that they were not paid so i paid the school directly on XX/XX/2018 Vice President XXXX XXXX of XXXX XXXX XXXX call me and told me that he had some great news for me that he contacted Conserve and advised them to stop reporting on my credit and return all files that they had for me and apparently they wont comply because XXXX   advised me that they reported on my credit today after the Vice President of XXXX XXXX XXXX advised them to not report on my credit anymore and to send my file back to they office ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : On XX/XX/2018 I sent a police report and letter to Experian stating my identity had been compromised. I notated the accounts that needed to be addressed. XXXX XXXX XXXX XXXX - acct. XXXX - XXXX XXXX- XXXX. Experian responded with " contact the creditor '' in which i had already done. Experian violated sections 605, 609, and 611 of the  FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Experian has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act.

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 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan was originally serviced by XXXX XXXX, which was acquired by Nelnet in early 2018. Since the migration to Nelnet, my payments ( and payment overages ) have not been applied correctly, despite the issuance of special instructions. I have one loan group ( A ) with two loans ( 1 & 2 - subsidized and unsubsidized ). I want both loans to have the same balance moving forward, thus requiring equal allocation of all future payments. I have twice attempted to equalize the present balance between the loans by making small payments, then, I requested that all additional payments and overages ( since I pay more than the minimum payment ) be allocated equally so that loans 1 & 2 have identical ( or near identical ) balances at all times. Nelnet has, after repeated requests over months, consistently misapplied payments and failed to achieve this task. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I RECEIVED A COLLECTION NOTICE FROM AUDIT AND ADJUSTMENT I PAIDED THE COLLECTION IN WHICH IS WAS A MEDICAL COLLECTION..AMOUNT XXXX ON I WAS PAIDED MONIES BACK BY MY INSURANCE COMPANY AND THIS COLLECTION SHOULD BE REMOVED FROM MY CREDIT REPORT SINCE IT WAS A MEDICAL COLLECTION.. I HAVE FILED A DISPUTE WITH EQUIFAX AND TO THIS DAY IT IS MARKED AS PAIDED BUT NOT REMOVED. ACCORDING TO THE NEW LAW A PAIDED MEDICAL INSURANCE BILL PAIDED BY INSURANCE SHOULD BE REMOVED..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I XXXX XXXX XXXX ( Married name ) opened a Credit Card with XXXX  XXXX XXXX with a credit line of {$800.00} on XX/XX/XXXX as XXXX XXXX ( Single Name ) because of lack of communication at the branch where i opened since i didn't speak XXXX neither XXXX which the XXXX  XXXX XXXX associate spoke, i didn't make payments on time, so it went for collection. 
But i never refused to pay for my debt, i just refused to pay the outrageous bank over fees, so as it went for collection i negotiated with the collection agency and Settled the balance in Full. 
Also i want to report XXXX  XXXX XXXX for fraudulently using my married Name to report on my new social Security name that i obtained after my marriage privilege that gave me a status of obtaining a social security number which i didn't have any when i opened this account on XX/XX/XXXX as a Single Lady. 
My Social Security Number only got issued this year on XX/XX/XXXX. 
I am not neglecting to pay any legal amount that i owe, So only what i owed, i paid and settled in Full. 
The Representative at XXXX XXXX XXXX told me that i didn't have to make any payment on this credit card till after 8 months of opening it. 
I invest my money oversees in Banks so i totally understand how horrible fees can be if not managed properly. 
I could even file a Consumer Law Action about this but i rather seek for my rights with Consumer Financial Protection Bureau. 
So i Hope this finds a good hearted person to help me dispute this from my credit correctly. 

Thank you so Much. 
Kind regards 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 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
To Whom it May Concern, I XXXX XXXX have had nothing but issues with Santander Consumer USA, they erroneously placed me on a cease and desist in regards to communications. I spoke to multiple representatives at this company and the last was finally able to resolve this issue. The reason I bring this up is because the repossessed my car with no forewarning and or no explanation of any of the fees that have been incurred on the account. My original loan was for roughly {$13000.00} and I've paid nearly {$30000.00} for car that I still owe XXXX on. I have upload a transcript of all transactions on the account and am more willing to suffice any other documents needed. I am filing a formal complaint with my local consumer protection agency for the first repossession as the tow truck company illegally entered into a gated property for residents only, the sign outside states " private property violators will be prosecuted '' the tow truck driver followed behind a vehicle and illegal entered my residence with no consent from the landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Loan transferred from XXXX to Rushmore Loan Mgmnt Svc. My initial loan payment has been misapplied with 83 % of my payment being applied to interest ( last payment w/CapOne was approximately46 % ). I noticed this immediately and contacted RLMS by phone. First, I was told I was not calculating it properly ( I am a banker, so I do understand the correct methodology ). Second, I was told to write their Department of Consumer Affairs - mail or fax. Third, I called again and was now told my case had been escalated and it was not an isolated case. They asked me ( again ) when was my last payment ( note, payments have been auto-debited, on-time for 4 years - and Ive made additional principal payments ). They said they are reviewing it and would provide no timetable for resolution. No estimate, no guidance as to how to obtain an update other than checking onsite daily, calling daily, etc. 

If your business is processing loan payments, it should be fairly simple to do so. And, if an error occurs, they should be able to correct it. Instead, this company is trying to charge me a larger amount of interest than when my loan balance was $ XXXX higher! I question if it is an error or intention and would like this resolved. Also - in researching this company, I have seen countless reports from individuals who can not even payoff their loan and leave RMLS ( they keep denying the payments for a number of reasons, delaying payoff, gaining interest ). I am worried I may not even be able to pay them off and get away! 

The {$2600.00} payment was applied {$2100.00} to interest and {$450.00} to principal. The current loan balance is approximately {$370000.00} and the interest rate is 3.625 %. Original balance was {$560000.00}. Even on the original amount, the interest portion of the monthly payment would not be anywhere near {$2100.00}. Very cautious this is a scam to derive more interest payments from clients as many individuals would not check the details. 

This is only the first payment due/made. I am questioning how long it will take to correctly apply the payment as future payments will further complicate the situation. I do not want this company to damage a strong credit history Ive established over many years. I also set up auto-debit before I realized there was a problem and am now worried what this company may do with this capability. Reports indicate they change amounts and debit at their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I needed urgent dental work done last XX/XX/XXXX XX/XX/XXXX and had no money available. The dentist suggested applying for a Care Credit card. The office let me know that they offered 12 months no interest. Because the promotional period is over, I've now been charged {$570.00} in interest all at once. My balance was down to {$1400.00} but because of this added interest it is up to {$1900.00} more than I owed originally for this one and only charge of {$1900.00}. I knew there was no interest for 12 months but was not aware that I'd be charged interest on money I've already repaid. This seems like a very unfair practice, it's like being charged twice.

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 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received an offer ( attached ) from XXXX Bank about opening a new checking account with them. The offer required me to open any checking account between XX/XX/XXXX and XX/XX/XXXX and complete 10 debit card purchases within 60 days of account opening to receive {$150.00}. I opened a simple checking account in a branch on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX. My account was a new account and neither I nor any member of my household had any account with XXXX bank when this account was opened. The terms of the offer stated that once the requirements have been fulfilled, the {$150.00} will be paid in 4 to 6 weeks. Around 8 weeks have passed since I made those 10 debit purchases, but the {$150.00} was never paid out and contacting the customer service led me nowhere.

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 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I called Transunion for the fourth time and I wrote Transunion a letter on XX/XX/XXXX regarding a collection item, that was not verified. I spoke to a " XXXX '', who stated he was a supervisor. I told him that the collection item was not mine and that it was inaccurate and unverifiable, unfair as per FCRA section 611 ( a ) ( 1 ) ( A ). And should be removed from my credit report. He was very rude and discourteous, and did not listen to what I was saying at all. I asked him what " method of verification '' under the FCRA, section611 ( a ) ( 6 ) ( 7 ), was used, that I had previously requested and Transunion,  did not honor. He said the method of verification was automated through a computer. I told him computers make mistakes and errors all the time. I asked who did Transunion speak to regarding this item and he stated they never speak to anyone, it is done by computer. Transunion is practicing illegal and unethical business practices. He also, stated that whatever the creditor says goes. I then told him I never consented to XXXX   or any type of automated verification. My name means something to me and Transunion is in violation of the Fair Credit Reporting Act and something should be done about them. Transunion should not be in business. They care nothing about the laws, or consumers. Transunion should be held liable for their willful non compliance. This is the worst service I have ever received. ( XXXX XXXX Transunion XXXX XXXX. XXXX, XXXX   XX/XX/XXXX ). The public should be made aware of Transunion unethical business practices. As well as the Attorney General and Federal Trade Commission.

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 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
amex cancelled my platinum card and refuses to refund the annual fee

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX has significantly undercounted my repayments made under the Public Service Loan Forgiveness program. They have also mishandled the Income Based Repayment ( IBR ) process, forcing me into forbearance against my will. According to XXXX  it takes 7-10 business days to process the IBR paperwork but up to 1-2 billing cycles to apply it to my account. That's a ridiculous time lag and is forcing me into a forbearance program when there's no need for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I paid {$10000.00} on my mortgage. This should have been allocated as a single monthly interest payment ( in XX/XX/XXXX, interest was {$960.00} so XX/XX/XXXX should have been similar ) and the rest to principal. Instead, Ditech charged {$2800.00} in interest. Importantly, this is a pattern of overcharging interest by Ditech. They have done this several times to me as you can see in the payment history.

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