vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Credit card companies are required to allow me to opt out of information sharing. ( Thanks to government reguluation for this. ) It is my preference that they do n't share my information. 

In order to opt out I must call the on the phone. All other features and services can be done on the web site. For some reason this requires a phone call. I 've made that phone call and am currently waiting on hold. They claim high call volumns. I 'm taking this time to My complaint : Capitol One is making it difficult for me to opt out of privacy sharing. 

In fact, I 've not yet been connected to a representative. For all I know, it may be impossible for me to opt-out. It has now been 5 minutes. This function can be done on the web site. That i must call and wait on hold is an intentional barrier to opting out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
ALLOW ME TO TRANSFER MONEY THROUGH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I canceled my XXXX XXXX Policy on XX/XX/XXXX and started my XXXX XXXX Policy on XX/XX/XXXX. XXXX XXXX did not cancel my policy and sent a final bill due to a collection company.. I spoke to the collection company and explained to them that the policy was cancelled and provided the collection company my declaration page showing credible coverage. They stated that this was going to be reported to all 3 credit bureaus and that I need to pay the bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In XX/XX/XXXX, I was divorced from my ex-wife. My ex-wife and I had a combined income of about $ 125k.  After the divorce, I was left with the home and had to remove my wife 's name from the mortgage in order to keep it. The divorce left me with assuming all of the debts that were once shared with my ex-wife and damaged my credit worthiness. I applied to Chase Mortgage for a modification. After supplying my financial information in XX/XX/XXXX, Chase Mortgage agreed to a modification only lowering my mortgage by {$20.00}. Although, my household income had decreased by 50 %, I attempted to continue to pay the newly reduced loan through XX/XX/XXXX. I was supposed to sell the home between XX/XX/XXXX-XX/XX/XXXX, but I had been laid off in XX/XX/XXXX so I did not put the home on the market until the Winter of XX/XX/XXXX. I could not apply for another modification for a year, so I did my best to continue to keep my home. To no avail, I wound up filing Chapter XXXX Bankruptcy prior to the foreclosure scheduled in XX/XX/XXXX and surrendering my property. Earlier in XX/XX/XXXX, I received a check for a class action lawsuit that Chase had been sued for discrimination in giving bad loans to minorities. I destroyed the check because I felt that I had been victimized as well, and that Chase had given me the botched modification so that I would eventually lose my home in a great neighborhood with an excellent market. Now, we are going through a short sale for an amount that will cover the loan at about $ 170k. Chase was right in projecting that I would lose my home with the {$20.00} decreased modification, and that the home would sell quickly on the local market.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: NV

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX. I logged onto XXXX XXXX XXXX website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX Speed Pay website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX  XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX. They are stating the payment was due XX/XX/XXXX. I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX. They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: NY

Complaint narrative:
After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.

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 2017-10-11 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: NY

Complaint narrative:
After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: NY

Complaint narrative:
After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.

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 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Admin Recovery, LLC
State: IL

Complaint narrative:
. months later my home flooded, as did much of the surrounding area that i live in, and insurance would not cover it. I had to stop payments on several things including this furniture acct in order to not lose my home and rebuild three rooms in my home. In XX/XX/XXXX this account went into collections and i set up payments with Admin Recovery to pay this off. the payments came directly out of my checking account each month until this month, XX/XX/XXXX. The reason i stopped payments was due to the balance on the statements. I realized, yes i should have paid attention earlier and did not, the balance every month as on Admin Recovery 's statements is {$2500.00}. The same amount on every statement which is n't even the amount I originally financed. To make matters worse, I checked my credit on XX/XX/XXXX due to being subjected to the XXXX hackng issue, and saw that on my credit report the balance has n't changed either. It states the higher amount there as well and does not reflect any payments at all, even though i have been paying a year now. I called my bank and stopped payments on XX/XX/XXXX. I spoke with a supervisor at Admin Recovery on XX/XX/XXXX and explained all of this to him. I also told him they will not get any more payments automatically drafted from my account and that I am investigating this further before they get anything and that my hope is to just start paying XXXX XXXX again directly. The only comment the supervisor gave me is that i need to do what i need to do and that they will not give me a balance update until the account is paid in full. That is ridiculous! How will I know it if it is paid off, how long i have, what is left? When i originally set up the payments the man on the phone told me it would be paid off in XX/XX/XXXX, at the amount i am paying a month and this inflated amount that would never happen. Something suspicious is going on here. How am i not allowed to know the balance?

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 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I have not owned an XXXX XXXX XXXX phone for more than 20 years. This collections shows an age of less than 4 years. It was paid more than XXXX decades ago - the collection keeps getting sold to another collection agency, who changes the open date & it starts all over again.

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 2017-10-11 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: DISCOVER BANK
State: OH

Complaint narrative:
I have been experiencing medical financial hardship for the past few years. I have spoke to this creditor numerous times for help in lowering my interest which is extremely high. over 20 percent. they have put me in 2 programs and still i made every payment on time which still was a lot of interest. i spoke to them today and asked to close the account and reduce the interest rate so I could make a dent in the balance. my advice was to transfer to another card or file bankrupcy or contact a third party. They were not willing to help at all. I continue to get letters and offers in the mail to keep using my card when I 'm not able to afford the payment and the interest. I would never use this credit card or company again. I have been through emotional stress and they could care less.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, I saw a notification that on XXXX XXXX {$2500.00} was transferred into my Santander, bank account, using a mobile application, from an unknown institution. I also got notifications that my username and passwords were changed and that two new payees had been added to my account and that password had been changed a second time. In addition, 6 external transfers had taken place, a total of {$2800.00} I went to the bank that morning and was told not to worry, that if it had nothing to do with me, I would get refunded the money. The bank gave me a copy of the check and a transaction printout and told me to go and report it to the police. The police told me that they could not file a report as the bank had not given me enough evidence. 
On XXXX XXXX I went back to the bank and they told me they would file a fraud report and it would be investigated. 

On XXXX XXXX, my mother went to the bank as her ATM card was rejected and was told that her bank account, which had a balance of ca {$10000.00}, was frozen and it would remain frozen for 60-90 days until the investigation was over. If she wanted access to her remaining money she had to refund the {$2500.00} to cover the declined check. My bank account covered the remaining {$300.00} of the transfers. 

XXXX, in XXXX XXXX, was on the phone with the Santander Fraud Department who advised him to withdraw the money from my moms account including a fee of {$8.00} so that she could get access to her money. She had no choice but to agree. 

On XXXX XXXX, XXXX my mom called the Fraud Department and was told by the employee who told XXXX to charge my mom, that it wasnt the bank 's problem and when asked what her name was she refused to give her name and hung up. My mom called and reported the incident to a supervisor ( ref XXXX XXXX employee id XXXX ) and she was not very helpful or nice either. 

The banks guidelines are that one can only transfer {$1000.00} a day so it is strange that a un cleared check of {$2500.00} can be transferred out of the account the following day. 
I am convinced that we received such appalling treatment because I am only XXXX years old and we are XXXX and nobody really cared that I was the victim of a fraud. I have also reported the fraud to the institution who issued the check.

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 2017-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have called Navient back to back. Every time I call they hang up on me when it is time for them to transfer me to customer service. I reside in the state of Georgia. I call the XXXX XXXX ( Navient number ). They pick up, ask the reason why I call, then state they will transfer me to customer service. Every time they suppose to transfer me it hangs up. I have repeatedly call them back to back. I have phone records to prove it. I have talked to someone in XXXX, XXXX, and XXXX ( from Navient ) about why my credit score have decreased since I am on an automatic payment plan with Navient. Everyone I have talked to claimed that each month it would be updated. Each month my payment is considered missed or late on my credit score. Navient is the only thing that is messing up my credit score. I have sent letters to all 3 credit bureaus and only one sent something back ( XXXX ) which states the investigation will take 30 to 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I initiated a disputed with Convergent asking them to validate the two debts ( XXXX and XXXX ) that they were reporting on my account. I asked for a SIGNED contract between me and their company. As of XX/XX/XXXX I have YET to receive ANY documents that validate the debt. However Convergent has chose to ignore my request and violate my consumer rights by continuing to report their tradeline on my credit report. I sent them the proof they requested via the BBB the following day and they have yet to respond to my BBB proof they requested via my CFPB complaint. They are BEYOND the 30 days allotted by law and I am ready and willing to seek legal action to protect my credit worthiness.

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 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
XXXX payment is due 1 but not late or occur late fees until XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I receive 3 calls from Planet Home Lending in attempt to collect payment. I have no history of being late or missing payments for 7 yrs. I call and the message before you get a real person stated we are attempting to collect Debt. The rep stated You have n't paid you mortage and we are trying to get payment. Well yes.. I have it came out of my bank about ( I am thinking she is talking about my XXXX bill ) on XX/XX/XXXX- NO it did not post you did n't pay it she says. I then get angry and advise she needs to check on this because it was paid and deducted from my bank about.. " NO it did n't post and we are collecting you debt '' she says again. I hang up and call back beyond flustrated. The same message comes out about debt collectors for Planet Home Lending.. I ask the rep is this for XXXX? Yes Maam we have n't gotten XXXX payment.. 
Well, is it late? I believe I have until XX/XX/XXXX before it is late why is debt collector calling me.. Well Maam it is a courtesy call and you have to understand. Well NO I do n't have to understand.. they just stressed me out for NO reason and I believe it wrong to do a so called reminder call under a Debt Collection. Especially since I have NO history with them for being LATE or Missing payments to start. Also, if a reminder why 2 days in a row? IT is not what the recordings say - they say Debt Collector there fore it is misleading and border line fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
For over a year I 've been receiving robo-calls, adnauseam from a company that shows up on my caller ID as one of 3 names -- XXXX XXXX XXXX, XXXX or Municipal Services. The calls come 7-days-a-week and will start early morning and go right up to XXXX mst. 

If I answer the call, they hang up. If I do n't and it goes to my voice mail the message will say either to call the number and that it 's not a sales solicitation, etc. Sometimes it will say the call is for someone by the name of " XXXX XXXX ''? I 'm not him, do n't know him, have never met him and have no idea who he is. 

I used to get a message from the Municipal Services robo-call message telling me an arrest warrant would be issued for me if I did n't contact them. That 's actually illegal under the Fair Debt Collection Act to threaten to do something that you have no intention of doing. 

I mailed a cease and desist letter to them at the following address and told them I know of no such person they are trying to contact and I would file a complaint if I received another call from them. I stated in the letter that they may call me one time and one time only, just to verify they received the letter. I just got another robo-call last night on my voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
This is my third attempt to get this resolved. Stallings Financial continues to leave on my XXXX report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite Stallings continued reporting on my credit report. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
XXXX XXXX my mortgage was sold to Select Portfolio Servicing I continue to pay without any problem. Previous XXXX XXXX XXXX XXXX was my mortgage company. XXXX XXXX I giving XXXX permission to do a electronic draft from my bank account. XXXX they did and XXXX they did. I receive a letter stated they a sold it to Select Portfolio Servicing. On XXXX XXXX, XXXX XXXX went in my checking account and took out XXXX unauthorized. I did not give them permission I was not with this mortgage company no longer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IA

Complaint narrative:
I have disputed the XXXX XXXX XXXX on my account multiple times because it is due to identity theft and i have stated that numerous times in disputes to no resolve. This needs to be taken off my credit as it was identity theft. It says closed XXXX XXXX, 2015 and amount being {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I went to close my account, but they did not allow me due to open charges that have not been posted, I do not have overdraft protection. If i had no money to cover charges, money should not have been dispersed. I am now being charged additional fees for them paying bills when there was no money in the account to cover, multiple times. If I am held accountable legally if I write checks that bounce, how can a company do that for me, unauthorized ( no overdraft protection signed up ) and they were well aware at the local branch i visited that I was closing my account.

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