vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I received phone call on XX/XX/XXXX about accumulated debt of XXXX for bed I am purchasing. Advised the representative I had just made a XXXX payment on XX/XX/XXXX and would try to pay more on XX/XX/XXXX with my next paycheck. The phones calls stopped till XX/XX/XXXX, when they started trying again to collect outstanding balance on my account. I advised them that I could not make another payment till after XX/XX/XXXX. Further was going to advise that previous representative said further calls would be prevented till XX/XX/2018, but new representative advised since no payment can be collected further collection calls will continue. And ever since then, they have called 5 times a day starting around XXXX - XXXX daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
hard credit inquiries XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/quicken Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/quicken Loans Inquiry from XX/XX/XXXX XXXX/quicken Loans Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BB&T CORPORATION
State: VA

Complaint narrative:
We turned in a boat to BB & T in XX/XX/XXXX because we could no longer afford it due to my husband losing his job and having a rental property that had renters that would not pay their rent. I contacted the bank and told them of what we were going through and they said I could give back the boat and they would auction it off. However, the amount they are charging us is the full amount of the boat loan. We have paid {$500.00} per month for eight years and have paid more than {$48000.00} for a boat we have not had since XX/XX/XXXX. The collection company we have our payment set up through is XXXX XXXX XXXX and they originally set up our pay back in XX/XX/XXXX in the amount of {$64000.00}. They put a Judgement against us in XXXX for non payment. Again, my husband was laid off, we lost our house, yet we tried to keep making our payments on this boat but could not be consistent for a few months till my husband got another job. We once again signed another agreement to make payments and have been for over a year and yet the civil action is sitting on my credit report as if we have not been paying on time again for the past 12 months. I need this off my report since we are in good standing even though they are completely taking advantage of us and have ruined our lives with this outrageous payback for a boat they sold and I never got to see the amount they sold it for. Clearly they did not sell a {$100000.00} boat for {$20000.00} but no one will show me those figures. Please remove the Civil action from my credit report. I have called BB & T and spoke to three people in their collections/Recovery Department and they said they did not put this civil action on my report. I then spoke to three separate people, two being managers, at XXXX XXXX XXXX and they said they did not put this on my report. Someone put the civil action on my report and it needs to be removed since we are in good standing for over a year even with me losing everything to try and make good on this account. The last person I spoke to, XXXX XXXX, Supervisor, at XXXX XXXX XXXX, and said she would contact the attorny 's office at BB & T that I had spoken to and work through the situation and call me back. This was XX/XX/XXXX and after speaking to at least six people between the two companies and spending over two hours on the phone, I have not heard back from anyone nor has the problem been resolved. Please contact me at XXXX or XXXX to let me know this has been removed from my credit. Thank you. 

XXXX XXXX The account number with BB & T is 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 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Signed up for Wells Fargo XXXX XXXX XXXX because was told would get {$200.00} back if I charged {$1000.00} in 3 months. This was over 3 months ago and I charged more than {$1000.00}.

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 2018-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
This company calls constantly! They are trying to reach XXXX XXXX who divorced from the XXXX Family more than 20 years ago. She has our number listed on a number of bad transactions. XXXX remarried several years ago, but we don't know her last name. She lives in XXXX, NV. We would like all these harassing calls to stop! The XXXX debt collectors were extremely rude and aggressive. Since they are calling about something that is not even our business, we would like to lodge a complaint against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
On XX/XX/XXXX I got served papers from Lloyd and McDaniels. So I worked out a 50 month payment which I have paid faithfully on this and today got a lein notice of which I have no real property in this county and it was sent XX/XX/XXXX and issued XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: MISSION FINANCIAL SERVICES CORPORATION
State: OK

Complaint narrative:
XXXX XXXX is reporting incorrect information such as terms, amounts, balance, origainal balance to XXXX. 
i have asked to send contract that bears my signature no response. 
they have been asked to verify no response but keep increasing there balance on loan monthly and when challenged. 
XXXX also has fail to verify information and provide such information to me on several attemps to resolve this 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: KS

Complaint narrative:
My mortgage company ( currently Home Point Financial Corporation, formerly Stonegate Mortgage ) provided me a notice in writing on XX/XX/XXXX that my mortgage insurance premiums would be removed when I reach a loan-to-value ratio of 78 % or lower and make 60 monthly payments. I did this, however, they kept charging me the premiums. They over-charged me by {$580.00}. They have stopped charging me, as of XX/XX/XXXX. 
I have made attempts over the phone, via email, and through their customer portal online to request the refund, however their response is that they looked into it, and that I'm not owed a refund. They will not tell me who I can talk to in order to appeal the decision

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX is reporting incorrect information such as terms, amounts, balance, origainal balance to transunion.

i have asked to send contract that bears my signature no response.

they have been asked to verify no response but keep increasing there balance on loan monthly and when challenged.

Transunion also has fail to verify information and provide such information to me on several attemps to resolve this XXXX, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

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 2018-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
It all started when my account was negative due hardship. An error through a gas station app made 3 transactions on my bank account. I understand that the bank charged a fee of {$35.00} for each transaction on XX/XX/XXXX and XX/XX/XXXX. I did made a check deposit to clear the payments, but the bank put a hold on for days and kept me charging for more overdraft fees on XX/XX/XXXX and XX/XX/XXXX. For some family that was going through a struggle all that fees are unnecessary. 
I called bank of America and they helped me with only 4 other charges that were also made on XX/XX/XXXX way after my check was cleared. I was transferred to another department, and he also said nothing he could do with those 5 other fees they were charging on XX/XX/XXXX and XX/XX/XXXX. They charged me over {$400.00} only in fees. I said I understand the first ones was made due negative account, but not another XX/XX/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 monetary relief
Consumer complaint received 2018-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
they keep adding 30 day lates to my mortgage pay history they say that no matter how many days the payment is late they can mark it 30 days late if it is not made by the next due date. in XX/XX/XXXX of 18 they have marked my credit 30 days late and it was 28 days late thus adding derogatory information to my credit report that is in accurate. this is not fair credit reporting and they need their practices investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 147 days and counting And still I can not prove I own the home I live in.

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 2018-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIBANK, N.A.

Complaint narrative:
I took a student loan on XX/XX/XXXX with Citibank for an XXXX. in XXXX XXXX University. The total amount of the loan was US {$40000.00}. 

After I graduated in XX/XX/XXXX, I returned from NY to XXXX, XXXX, where I currently live. I do not have a bank account in the US. Thus, I made my monthly payments to Citibank with my XXXX  Visa credit card. 

The loan was sold to a company called XXXX XXXX and XXXX XXXX does not receive payments by credit cards ; I do not have a US checking account, XXXX does not work for XXXX, etc. In sum, I was not being able to make my payments. 

In XX/XX/XXXX I sent an e-mail to XXXX asking how to make a payment and explaining the situation. On XX/XX/XXXX I received this response : " We apologize for any inconvenience this may cause you. After review of the account, it has been referred to collections. International borrowers can call XXXX to inquire the next steps. '' I called collections various times and left messages. I also sent another e-mail to XXXX explaining that I was not able to contact collections. Finally, I was able to obtain from collections the wire transfer data in order to send payments. 

On XX/XX/XXXX I wire transfered US {$4800.00}. I informed XXXX. XXXX, however, says they do not have a way of confirming that the money has been received. Collections said on XX/XX/XXXX ( approx. ) that they have not received the transfer ; that it may take a couple more days, and that they will inform me as soon as the money was received ( I gave them my e-mail address, but, although I requested it, they did not give me any e-mail address ). 

Neither XXXX ( despite various e-mails asking the balance, requesting an e-mail for collections and asking which is the authority that oversees collections ) nor collections ( in the phone numbers provided ) have been able to give me an e-mail for collections in order to forward proof of the transfer. 

In sum, I do not know which is the balance, and I will not make further payments until I receive confirmation that the US {$4800.00} were indeed received.

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 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have applied for a credit increase with my XXXX credit card XXXX. Capital one denied me several times. Capital one reason was I was making low payments which is not true. My current balance is {$590.00}. My credit limit is {$3500.00}. I always make payments on time and way above minimum. No late payments. Excellent credit score. I want a significant credit increase based on my excellent credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has a " hard '' credit inquiry dated XX/XX/2016 still listed on my XXXX credit bureau report. 

According to the FCRA ( Fair Credit Reporting Act ), passed by Congress, all inquiries older than 2 years old on a consumer 's credit file, must be deleted by the credit bureau. 

I have contacted both Bank of America and XXXX credit bureau to have them remove this inquiry from my credit bureau credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 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: Informative Research
State: KY

Complaint narrative:
Inquiries were placed on my credit report during XX/XX/XXXX - XX/XX/XXXX without my consent I

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I contacted American Education Services about reducing my loan payment while I attend dental school full time and can hardly work. They concluded that I can not receive income based repayment or deferment. This occurred on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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.
State: PA

Complaint narrative:
Original loan was bought out by Navient. Began to notice that the loan payment was increased. Called company and was told that the interest rate increased. Was informed of what total amount to pay. I use automatic banking so I set that amount and payments continued with the updated amount due. Received letter stating my loan was late and fees were included. Called and company informed me that the date due was wrongly confirmed during my last phone cal pertaining to amount change. I then had to go in and while on the phone with customer service changed my online banking again -- confirmed the amount due monthly ( {$120.00} ) and the monthly date each payment should be sent ( XXXX ). A few months later, I began to receive notices that payments were late. NO changes have been made as I do not agree and am not comfortable with the unilateral changes to my account, and the constant harassment ( phone calls and letters ). Please help stop this company from lying and cheating!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has a " hard '' credit inquiry dated XX/XX/2016 still listed on my Transunion credit bureau report. 

According to the FCRA ( Fair Credit Reporting Act ), passed by Congress, all inquiries older than 2 years old on a consumer 's credit file, must be deleted by the credit bureau.

I have contacted both XXXX XXXX XXXX and Transunion credit bureau to have them remove this inquiry from my credit bureau credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 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: PA

Complaint narrative:
I make my payments every month in full amount, before the due date. However, the principle balance is going up instead of gowing down and my payments are not applied correctly. I pay XXXX per month, my interest occrued minthly is about 77.00 but they apply more towards interest and less towards principle. This is illegal. Every time i call nobody can provide exact math explanation on how they calculate how much to apply to pc and interest. This is 5th year i am trying to find out what is going on. They simply stealing my money every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Mercadolar, Inc.
State: MA

Complaint narrative:
MercaDolar Inc. is a company that connects individuals who are buying and selling American dollars and XXXX bolivars, to allow currency exchange among individuals in US and XXXX. MercaDolar Inc. works as the intermediary that holds the dollars while the buyer deposits the amount required in a XXXX bank account. There is a clearance process, that once approved, MercaDolar has 1 business day to release the dollars to the person who bought them via ACH. 
On XX/XX/XXXX I put an order through MercaDolar to buy {$100.00} ( MercaDolar will take 4 % from this amount as service fee- so the net amount is {$96.00} ) at the exchange rate of XXXX bolivars/USD. I deposited the money in the Venezuelan bank account as required, and the seller confirmed the reception of the funds on XX/XX/XXXX. On XX/XX/XXXX, I got a notification from MercaDolar saying that since the seller confirmed the reception of the funds, they will proceed to transfer my USD in 1 business day. 
On XX/XX/XXXX I contacted MercaDolar asking about the status of my transfer. They answered that their " agents '' were processing it and that my money should be available the next day. It did not happen. They asked me to confirm if I received the funds on the XXXX. I contacted them again, and told them that funds were not available yet. They responded that by their records, money should be available on XX/XX/XXXX. Again, it was not available on XX/XX/XXXX. I asked to solve this situation immediately since this situation was a week overdue and they responded that they will check with their agents. After this last email, I asked to give me a final answer by yesterday ; otherwise, I would need to start a dispute because I was feeling that they were not responding to my claim. 
In the meantime, I called their customer service number all week long to see if I could talk to them on the phone, they never answered, and their customer service via e-mailed stopped updating me on the status of my issue. Also, even when they replied via email, their response was generic and delayed. 

I am looking for help to solve this issue since my money is at risk, and I consider that the are not responding to me. I do not trust the business anymore, and I am not sure if this is a scam or what else could be going on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation