vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne is the card issuer. I signed on to the card offer when the promotional APR was 0 %. I had used to card to transfer higher interest cards over to ease my payments. At the end of the promotional term, the rate jumped to 22.9 % even with my always On Time payments made at minimum amount but mostly with an amount over the minimum due.    Original Card Agreements s tated : ( APR ) fo r Purchases:0 % i ntroductory APR through you r  XXXX /2016  billing period. After that, your APR will be 12.9 %, 17.9 % or 22.9 %, based on your creditworthiness. This APR will vary with the market based on th e Prime Rate .     My rate is now 23.40 %  ( Current Prime Rate  - way to stick it to me! ) and accruing steadily - taking advantage of my hardship even when I phoned them directly after learning my job was going away. I had knowledge of company closing in  XXXX     2016. I W orked until end of  XXXX     2016. I mad e all payments even if just the minum oOn Time until the last 5 months. And now, the la st 4-5 mo nths Its over my head. I 've struggled to stay on top of payments and I have not yet landed gainful employment. I am optimistic I will in the next few weeks. Trying very hard to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo has disabled  my ability to make my loan payments online. This complicates the payment process and can lead to late payments. There is no reason that my ability to make online payments should  be disabled. I  have NEVER had an online payment be rejected.     This is clearly an effort to make it harder for me to make my payments so that they can accelerate the forclosure process.     They have also offered to allow me to make a payment in a lower amount, but refuse to clearly define how this altered payment will be applied. They expect me to give them money with absolutely no knowledge of how it will be applied. They tell me that these payments will get me set up to a new payment plan which they also refuse to define. It is completely unacceptable that a bank be so ignorant and secretive about my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TX

Complaint narrative:
I have  a PayPal extra Mastercard credit car d. I 've had this account for close to 10 years and have always paid the full balance amount due on time - not the minimum payment but the entire full amount of each monthly bill. Last mon th (   XXXX   2017 ), I in advertently paid the total amount short by {$200.00}  ( out of approx. {$2300.00} ). W hen I received my statement for this month, there was an interest charge of {$24.00}. When I reviewed my payment and noticed that I had paid the total previous amount short by {$200.00}, I checked the interest calculation and came up with {$3.00} in interest for the unpaid {$200.00} ( vs. the {$24.00} on my statement ). I called the toll free number on the back of the card and asked them to explain the difference. They stated that I was being charged on the " average balance '' of all my charges since my last billing statement. When I asked why that was the case, when I only had a {$200.00} amount due from the previous month, they could not explain this in ANY sensible manner. I asked them to explicitly read the card agreement language that covered this calculation - which a supervisor attempted to do without ANY clarifying effect. I believe this interest rate calculation practice is either fraudulent, abusive or incredibly deceptive. I would ask someone to look into this and, at the very least, inform the general public on what it could mean to them.   I have a finance degree and have worked in the financial services industry for over 20 years - and this interest rate calculation was difficult for me to understand. If I can be " suckered '' out of {$21.00}, I CAN NOT imagine how many people in the general population are being abused by this credit card company. I have now closed my account w ith PayPal Extra Mastercard but  PLEASE DO SOMETHING TO INFORM OTHER PEOPLE ABOUT THIS and help them make better, more informed choices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was contacted by someone on  X/XX/2017    at  XXXX  using a restricted number claiming to be a 3rd party who is filing a motion to prosecute me for a debt. That person called repeatedly from a restricted number until I answered. He told me that he knew my address and to be home tomorrow between specific times to sign for a court document. I asked about the nature of the document and he gave me a name and a number to contact   XXXX   XXXX   XXXX   at phone number  XXXX  with Case number  XXXX  and said to ask for  XXXX   XXXX  the arbitrator. When I called  XXXX   XXXX  she became extremely hostile after I asked what the debt was about. She said there is no way for me to pay the debt without going to court and threatened to call my employer and ruin my credit. She then hung up on me. I called her back repeatedly until she answered and she began shouting threats at me and calling me names. She threatened to put me in jail, call the police on me for calling her back, she said she was going to ruin my credit, and garnish my wages. She called me a " little man in a big mans body '', she called me other stuff too that I ca n't remember because I was trying to calm her down to communicate what this was all about. I attempted to call her back several times and she kept hanging up on me. The whole situation is extremely disturbing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: IA

Complaint narrative:
XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: IA

Complaint narrative:
XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received an offer to change my Banana Republic store card into a Visa Banana Republic card ( use everywhere ). I accepted the offer but soon noticed that when I went online to pay my bill that the   balance would say {$0.00} and no minimum payment would be showing. I would call and pay the bill express frustration that I am unable to pay online. I have been told repeatedly that the issue is fixed but it has never been fixed. I have been charged  XXXX  {$35.00} late fees by the company for making payment late due to this system issue. I request all fees to be waived and for the system issue to be fixed. I called and spoke to  XXXX  employee number she provided was  XXXX .  XXXX  was not helpful and quite rude. I explained why I was requesting the fees to be waived but she kept reiterating that the payments have been late even after I explained it several times. After I advised that she did not understand and was not listening she began to speak loudly and I disconnected after getting her information and advised that I would submit a complaint. I can not be the only person this is happening to. I was told nothing would change when I switched cards. I have attached a screen shot of me trying to look at my account today so you all can see it shows {$0.00}. I can not force the system to take the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: PA

Complaint narrative:
I purchased the property at  XXXX   XXXX   XXXX  in  XXXX , PA on   XXXX   XXXX   XXXX   XXXX   .   When I purchased the home the taxes were assessed on the value of  XXXX . I knew that was an unfair amount as property values declined significantly in the area. The previous owner assured me she had disputed this information and that I should see a reduction in  XXXX  of that yr.   I checked  the County websit e and did see that the value was reduced to  XXXX  dollar effective  XXXX   XXXX . I immediately called the lender to advise them of this information and inquire about a reduction in my mtg since this will affect my escrow.   The first lady I spoke with told me there will be another analysis in  XXXX . So, I called in  XXXX  to follow up. I spoke with a gentleman named  XXXX . He told me the analysis was opened and then, closed and no modifications were noted. He agreed this was absurd and he reopened the analysis.    XXXX   XXXX , I called to follow up and spoke to  XXXX . She also told me no modifications had been noted and she was going to look into it. She called me back to say they were working on the analysis but they never received a tax bill from m e. 1 ) I sent the most current tax bill 2 )   XXXX  told me they can acces s the County website an d he did that and attached a comment to Escrow dept so again, I am not so sure this is the hold up.   I have attempted to solve this issue myself by calling CS @  XXXX   XXXX   XXXX   XXXX  and I get the same run around. I should have received a refund check and my mtg should have gone down by now. I am asking for you assistance with this matter and to investigate any fraudulent activity on the lender 's part.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX  Borrower

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: FL

Complaint narrative:
I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention  XXXX   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: FL

Complaint narrative:
I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention  XXXX   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: CA

Complaint narrative:
I received your results for case #  XXXX  via mail and I do not agree with the method of validation. I am requesting proof of the original contract or document with my Name, Address, and Signature validating this item as accurate and correct. In addition, the person 's Name, Address, Telephone number, and Signature validating this item from the original creditor  XXXX   XXXX  University. If no documents can be produced please Delete the item from the credit report. I have attached my request in writing along with Experian 's results on this web portal.   Thanks ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
O n  XX/XX/XXXX , I  sent a certified written dispute to  Procollect disputing the debt they claimed I owed ( see attached ). I also requested documentation that proves that I owe Procollect as well as a breakdown  of fees for such de bt. Procollect DID NOT provide me with proper documentation. O n   XX/XX/XXXX , they  sent me a standard dunning lette r (  see attached ) with a printout of some information on a piece of paper with a name on it that is similar to mine that supposedly shows  XXXX  transactions made back in   XX/XX/XXXX   ( see attached ). First and foremost, my name is  XXXX   XXXX   XXXX   XXXX , my father, my  XXXX  cousins, and both of my sons all bear the same name, as well as countless others in the state of Louisiana. So whose debt is this? I will say again, I am unaware of such debt. Secondly, this printout was NOT a billing statement from the creditor that shows a detailed breakdown of the services rendered nor did it show a breakdown of fees or how they came to the amount they say I owe. This also was n't a contractual agreement bearing my signature. Procollect is playing games and trying to get me to pay an unverified debt they have no proof that it is mine.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. So, I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, and proof that there is some contractual obligation which is binding on me to pay this debt. Since I could n't get the proper documentation from Procollect via certified mail and they have violated the FDCPA by reporting a unvalidated debt to the credit reporting agencies, I am requesting again that this account is deleted from my credit reports or please provide me with the proper documentation, so this debt can be resolved.     Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, and authorization under subtitle D of the  ARRA, SEC. 13401 . Also, provide copies of any agreement that bears my sig nature wherein I have agreed to pay the creditor and as this is a medical account a copy of any HIP AA authorization.     In the event of noncompliance, I reserve the right to file charges in a small claims action against your  company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act & FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
We have submitted a Complete Loan Modification Packet but the lender is refusing to review because of the sale date.     Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regula tion X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).      QWR was sent on  XXXX  -2017 with  no response.

Company response to consumer: Closed with explanation