vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX, I had a payment due for my credit card balance. I made the payment on the due date at around XXXX XXXX XXXX XXXX. As I was processing my payment online, I read a line that said my payment will not be posted until XXXX/XXXX/XXXX, therefore forcing me to be late. I immediately called Capitol One, spoke to an agent who said that I would be charged a late fee, and that she could not reverse that charge until it posts to my account, the next day. She instructed me to call back. I called back on XXXX/XXXX/XXXX @ XXXX ( et ). I spoke to XXXX in the customer service team, who said neither him or his supervisor had the authority to waive the {$25.00} late fee. I was transferred to a senior Account supervisor by the name of XXXX, ID # XXXX. XXXX stated that the computer did not give her the 'opportunity ' to waive the fee. I asked why, XXXX stated it just did n't give her the 'opportunity '. I then asked, under what circumstance or on what basis does the system not allow the 'opportunity ', as she called it, she gave no answer but continued to say 'it just does n't give me the opportunity '. She failed on several occasions to answer the question informatively to a consumer. I asked for a direct answer and she just refused due to her lack of knowledge on the matter. I informed her I was instructed from a representative on XXXX/XXXX/XXXX to call back and get the late fee waived of {$25.00}. XXXX gave no such concern nor emphasized with me as she robotically continued to say she could n't do anything for me in regards to waiving the late fee because the system did not allow her the 'opportunity '. I expressed my frustration and discontent with her and the company 's handling. I then politely asked for a XXXX, she refused to transfer or even provide a name or extension. Nearly 10 minutes in, she finally gave the name of a man named XXXX, ID # XXXX. then, told me that he would not help me. I again stressed to her what a former employee told me on XXXX/XXXX/XXXX. She cared none to seek proper resolution as to what I was promised by their company. The fact that capital one 'FORCES ' card holders to be late based upon a submission time of payment is outrageous. I was nearly an hour past a time, but still paid on my due date! I been with the company for a couple years now and expressed how I was looking for a one time waiver of a late fee. The company failed to enforce their prior verbal promise to me as a long time cardholder. I feel as though their representatives were resistant every step of the way to make right what was told to me, though they seen notes in my account of the same version of events I told them took place on XXXX/XXXX/XXXX. They were unsympathetic to the fact and as a long time customer, I find it disheartening. Should there be no amicable resolution from Capital One, I will look into cancelling my card soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Balance Transfer submitted back in XXXX and still not applied to account. Amount still showing on statement. Company wo n't produce proof that payment made to XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
I am complaining against DiTech XXXX XXXX XXXX, they increase my mortgage payments from {$790.00} a month to {$820.00} a month. Then they would n't approved me for HARP modification, after I have turn in all the proper paper work. I just got my monthly statement for XX/XX/XXXX showing I owe {$9100.00}. That is a XXXX lie, I am six months behind because I am going through a modification, my incorrect monthly payments of {$820.00} x 6= XXXX. They are cooking the books, then add injured to insult, they turn my loan over to another company. They are call XXXX XXXX XXXX XXXX. DiTech is a bunch of crooks, everything they do is illegal, I am trying to keep my home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS is my loan servicer that was tranferred from XXXX XXXX XXXX. In XX/XX/XXXX I filed a Ch.XXXX bankruptcy on XX/XX/XXXX our bankruptcy was paid in full and discharged. On XX/XX/XXXX I recieved a letter from SLS stating that we were late on our mortgage payments. I contacted SLS and XXXX XXXX XXXX on XX/XX/XXXX. SLS says the loan came to them behind on payments. XXXX XXXX XXXX says that we still owed fees from the bankruptcy and they collected the fees in XX/XX/XXXX after we recieved a modification. I would like to get a complete payment history from SLS and XXXX XXXX XXXX We successfully paid the terms of our Ch.XXXX they ca n't come back and say we owe money. I would like to get this matter resolved.

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 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I called Lvnv Funding LLC today in regards to a debt for XXXX $ that is reporting to my credit. I spoke to 2 people the first person offered to take my payment in full but stated that they do n't actually service my account. When I asked who does they gave me multiple names of company. I was informed that this debt was a purchased debt that they have had since 2015. I stated that due to lack of communication from the company that I would like to have this deleted from my credit and asked how that can be done. This rep was unable to tell me if any letters were mailed to me and that they wait for the consumer to contact them before they send out notice of collection agency placement. I advised that I felt like this was a violation as I was never given a 30 day opportunity to dispute. He placed me on hold and had me speak to XXXX XXXX, senior customer service manager. I asked her to provide me with a date in which communication was attempted and she stated that I needed to put that request in writing and that they would send me a letter. ( to me this would mean that they will then attempt communication ) She told me that the original creditor would have notified us that it was placed, and denied responsibility of the collection agency to do so. She then gave me the name of a different account servicer and said that they had placed my account with multiple servicers. She confirmed that she could see my account history and but still would not provide me with dates in which communication was attempted. I then requested to speak to her higher up and she kept saying that would be unnecessary, then said she was on lunch that she would take a message for her despite the fact that the supervisor ( XXXX XXXX ) has a voicemail. They also claimed that this debt was purchased directly from the original creditor however according to her they obtained it more than 2 yrs after it was charged off. When I started questioning how they purchased it directly from the creditor if there is such a large gap in time, she then stated it was probably with a different collection agency. To me this means that she is providing false information as well to make it sound more credible. And she said that she works for resergent?? How many company 's are truly attempting to collect my debt??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Our house burned down in XXXX XXXX. My insurance company sent the checks to cover the rebuilding of our house payable to me and to the mortgage company. The mortgage company is still holding on to {$7800.00} and refuse to give it to me. I need this money to finish paying my builder. They sent an inspector to my house to verify that it was rebuilt on XXXX XXXX, XXXX. The inspector and I both signed the inspection report wherein she stated that the work was 100 % done. You will see that the mortgage company very obviously altered the signed document stating that rather than 100 % completed, the house is only 28 % completed! How on earth can you determine such a precise number - 28 %? The mortgage company has deliberately committed fraud and should be held accountable for altering a signed document. In any event I want the mortgage company to release the remaining funds. This is MY money, not theirs. We received a Certificate of Occupancy, has been occupied since XXXX. There is no legal reason for them to illegally and arbitrarily refuse to release MY money to ME. I was instructed by a representative of the mortgage company to send my complaint to their customer relations department which I did on XXXX XXXX, XXXX. As of this date they have not even had the courtesy to respond to my complaint. Copies of the documents and my last correspondence to them are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had a XXXX credit card issued through XXXX XXXX. I just received a statement showing I had paid the previous balance in full and on time, but I was charged {$1.00} in interest charges. I called XXXX and was told that the bank that issues the card, XXXX, charges a " trailing interest fee '', but only for the time between the time they mailed the bill to me and the date they received my payment. Thus, they want {$1.00} in interest charges even though my bill was paid in full and on time. XXXX removed the fee and I cancelled my account. I am concerned that if this fee is legal, it should not be. I am also concerned that others are not catching this extra fee and paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
As part of a Chapter XXXX filing on XX/XX/XXXX XXXX mortgage was a creditor discharged. I discovered that XXXX had reported credit activity after having been discharged. The activity was reported to and published by Equifax. Although the creditor was discharged over 7 years ago and there was no reaffirmation agreement, Equifax chose to publish the information. Upon notifying Equifax of their reporting violation, they acknowledged knowing the Chapter XXXX Bankruptcy date yet misapplied and misrepresented the reporting period for creditors discharged in Chapter XXXX. While I fully agree that the " record of bankruptcy '' will remain on my credit record for 10 years from the filing, the actual credit activity for the creditors themselves only remains for 7 years and NOT 10. The Equifax supervisor " XXXX '' in the Resolution Department stated that if XXXX reports the activity, Equifax would include it on my credit report. She refused to provide a work ID or last name and only identified herself as XXXX. The representative then repeatedly stated that all the activity in the bankruptcy would remain for 10 years which is false. I repeatedly stated to her that there was a difference between a record of a bankruptcy remaining on my consumer credit report for 10 years and the creditor and credit activity additionally remaining for 10 years. The activity of a creditor should actually be deleted after 7 years from occurrence or the Chapter XXXX date of filing, whichever occurred first. If there is credit activity on the account after the Chapter XXXX filing or discharge date, the activity should NOT be reported or published unless the debt is reaffirmed. Mine was not reaffirmed. Equifax has an obligation not to repeat the mistakes of creditors and additionally should not misinform consumers regarding the law. Their ignorance has caused me much duress and time in trying to resolve the matter. I am seeking a home modification and this is adversely affecting the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Hi, On XXXX XXXX 2017 I transferred money ( XXXX or {$400.00} USD ) to someone in XXXX XXXX, who goes by XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX music controller used. I 've since found out that the person has committed fraud with other consumers on the forum and I then tried to cancel the transaction with PayPal. The seller convinced me to use " Friends and Family '' to transfer the money which offers no protection to the buyer. PayPal refuses to do anything and I have no recourse to collect my money. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the date below : Creditor : XXXX XXXX  ACCOUNT # : XXXX I was never late 30 days in the month of XXXX 2017. I am not sure how this happened. I have always made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California
State: CA

Complaint narrative:
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, as Collection Consultants have sent me a bill with a different address than my own from XXXX. The bill also had a name I do not know and am not associated with. The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
ACCOUNT NUMBER XXXX Property address XXXX XXXX XXXX, XXXX XXXX Fl. XXXX Mailing address : XXXX XXXX XXXXXXXX XXXX, XXXX TX XXXXXXXX These are Serious Mortgage practices you failed to provide /answer /disclose or maybe even broke the law. Attached is your letter dated XX/XX/2017 which appears your unable to find /locate the unauthorized charges which SPS has been the servicer assigned from XXXX and you provided never a response and again doing everything you can to stale /delay and not provide full explanation and simply make additional large excessive profit and simply ripping off consumers. You SPS have carefully, willfully and deliberately hide /refuse to acknowledge or provide proof ( more exact ) number which apparently your unable to locate is {$11000.00} of unauthorized charges ( SEE PAYOFF STATEMENT AND YOUR OWN STATEMENT ). My Principle balance was only XXXX yet you reported to the Title Company unpaid Principal is XXXX. You SPS are hiding interest from IRS and me as the customer. SPS assigned from XXXX XXXX have unauthorized charges to place on my account of {$11000.00} and I demand this money back to XXXX XXXX and XXXX XXXXXXXX XXXX the rightful persons on the mortgage. You find not find any authorization from XXXX or XXXX XXXX XXXX approving these this interest if anything SPS assigned from XXXX has been losing my paper work for six years trying to do a loan modification which SPS FAILED but amazing XXXX XXXX was able to assist. I demand this {$11000.00} that you added as principal which my balance and all these years my interest statement is as reported to IRS is {$84000.00} and that how interest statement were sent to me. You can not just add {$11000.00} to my principal just because you know this was unauthorized charges. Final, I check with XXXX XXXX there is NO subornation agreement notifying XXXX XXXX that the principal balance has been raised, XXXX XXXX servicing for FHA Since your unable to find your own documentation, I file an official complaint with XXXXonsumer Financial Protection Bureau as your mortgage practices fall in line with being Predatory as you are taking advantage of Senior, my wife at XXXX and me at XXXX, refuse to answer my questions, appears to be not explain proof of your actions and ( 3 ) unable to explain/find proof of anything ( 4 ) Unable to answer or respond to my principal is XXXX that how for 10 years sending 1099 statements out, we been filing interest claims and during the payoff you SPS added {$11000.00} of unauthorized charge which are and never was agreed on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The matter is in reference to a XXXX XXXX XXXX ( XXXX ) utility account I held from XX/XX/XXXX XX/XX/XXXX. The account 's final bill was reported to XXXX XXXX XXXX as not being paid. I have attempted ( three times ) to resolve this issue directly with XXXX, yet have received no response from them. While the XXXX electric utility account was in my name, payments were handled by a third party ( a roommate ) who failed/overlooked closing out the final XX/XX/XXXX bill. In XXXX, when the final bill was past due, I did not receive any email, mail or phone notification from XXXX that there was a past due balance. ( XXXX had all of my contact info. ) Therefore, I did not have a reasonable opportunity to fulfill the obligation and make final payment before the account was reported to XXXX XXXX XXXX. In XX/XX/XXXX, I learned of the collection and immediately paid the account in full to clear the balance of {$240.00}. The collection account now shows as " closed '' with a zero balance on my Experian report. Considering the facts of this matter, I am asking Experian to remove the closed/paid XXXX XXXX XXXX account from my credit bureau 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 explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named EOS CCA was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of XXXX {$1400.00} XXXX that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
My kids father told me the only way he would support my desisions reguarding my children was if I stopped XXXX payments and wrote off the back pay because my mother was telling my daughter to lie to me about things I did not want for my daughter. I filed for bankruptcy and 3 months later I was fired. I have a learning XXXX and I stated this to my attorneys from XXXX and XXXX. I have no one will contact me back. I have tried to email XXXX and XXXX. Last time I went into the office they told me to file for chapter XXXX once I have a job. I am a XXXX XXXX XXXX at XXXX. I give up my car. I have no support from anyone. I can not loose my house I am a single mother of XXXX amazing children. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
I saw a collection account on my credit from Stellar Recovery. It sates that it is for utilities and not who it is with. I do n't owe any utilities. I sent a validation request to Stellar Recovery and they are not responding to me at all. it has been three months and they still are not responding, but they are still reporting this on my credit. I was never notified by them that this debt even exists or that they were going to put anything on my credit or what my rights are. Stellar Recovery is in violation of the Fair Debt Collection Practice Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
For the past 5 days I have received numerous calls from a phone number associated with a debt collection agency dba as Amsher. They are calling from XXXX and then either hanging up or leaving empty voicemails on my phone, both of which are most unwelcome and unwarranted practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation