vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In  XXXX  of  XXXX , I went to the  XXXX , Pennsylvania branch o f Wells Fargo B ank to address a concern about my ex-wife 's name still being on an account used to pay my mortgage each month. At that time, branch manager suggested I open a new checking account, in my name only, as a solution to this problem. The next day I returned to actually open that new checking account, and the manager then offered me a credit card account as well. When I asked some questions and found out there would be fees attached to these accounts, I declined to open either a new checking account or a credit card account, and left without opening any accounts.     On  XXXX   XXXX ,  XXXX , I received a phone call from a debt collector saying I owed money on a personal credit card account I had with  Wells Fargo. I  responded that I did n't have any such account, but right after the phone call, I went to the  XXXX , Pennsylvania branch of  Wells Fargo  to find out what was going on, and whether this might relate to my business account wit h Wells Fargo. The  bank assured me that the debt did not relate to my business account, but instead related to a personal credit card they insisted I had opened.     Even though I never received a personal credit card from  Wells Fargo, n ever received any statements and never made any charges,  Wells Fargo ul timately informed me that I had {$28.00} in unpaid annual fees. This is after my wife had put a bid in on a house, and after that bid was accepted, I also learned that  Wells Fargo r eported this supposed delinquency to the major credit reporting agencies, which dropped my  credit score f rom roughly  XXXX  to roughly  XXXX . As a result of this huge dro p in credit score, we lo st financing for the house, and lost the opportunity to reduce our monthly home ownership costs ( including mortgage, taxes and HO insurance ) from {$3800.00} per month to {$1700.00} per month. For the foreseeable future, I am losing {$2100.00} per month as a result  of Wells Fargo 's  conduct in opening a credit card account in my name and charging me fees without ever even letting me know they had opened a credit account in my name.      Wells Fargo has  opened a case number for my complaint, and it has submitted requests to  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX  to remove this alleged credit card delinquency from my name. But the damage is done, and Wells Fargo has not offered any significant compensation for the damage they have caused 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 monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
L   XXXX   XXXX   XXXX   XXXX   XXXX   - North Carolina. While I was approved for {$500.00} with a repayment of {$670.00}, my bank account was changed for more with now a balance of {$1000.00} to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a credit card  ( visa ) w  ith Wells Fargo Bank  and my statements are reflecting  XXXX  different interests charges that I must pay otherwise I will never get out of debt with them! I had gone paperless since  XXXX  and it was n't until a company known as    XXXX   XXXX    XXXX  th at I realized I was being charged a fee each month for insurance that did not apply to me, so I requested all of my statements from  Wells Fargo. I  was told that my minimum payment was calculated : Interest rate times new balance plus 1 % of my new balance and when charged additional interest its calculation : Interest rate time my average daily balance.   Since I have not charged on my visa since   XXXX   XXXX   XXXX   my minimum payment and my  Interest  charged are still running neck to neck in which that would be the case since my balance is being charged interest twice! In order to get my visa lower I have to add additional monies in which will thereby would lower my principle balance! Right now I have interest charge d by Wells Fargo Bank o ver {$5000.00}. I am trying to find out if  1.Is this legal and 2. If not would this be classified under RICO?

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 2017-04-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX 2017, I applied for a XXXX XXXX XXXX card under a special rewards offer. The offer at the time was XXXX points after spending {$5000.00} in the first 3 months. I opened this card in my local Chase branch through a special business relationship manager. Shortly after applying, Chase came out with a new rewards offer for the same card of XXXX points after spending {$5000.00} in the first 3 months. I called Chase to request a match and I received a letter in the mail from a Chase representative that the offer would be matched after completing the {$5000.00} spend. I reached out to Chase earlier this week but the representative saw nothing on my account and did n't know how to fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
This debt from the original creditor   XXXX   XXXX   XXXX   was deleted from my credit report  XXXX  last year. Now this new collection agency  XXXX   XXXX   XXXX  has paid for this alleged debt that was already proven not to be mine in hope to collect on a debt that was already deleted and apparently resold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BB&T CORPORATION
State: TX

Complaint narrative:
purchased a car from  XXXX   XXXX , within  72 hrs t he car was taken back twice due to malfunctioning, I told them to keep it and left the keys and stop payment on my down payment ... they are now trying to collect debt stating that the car was n't returned to them or reported to them until the next year ... im been going back and forth with them for quit some time ... I even called them when I left the car in the car lot to let them knw that car was returned due to problems with the car ... I infrm them to go back and look thru their notes from  XXXX  ... there telling me that since they sold the car in an auction then im responsible for what was left over ...  .also both    XXXX   XXXX   and collection agency is trying to collect on this debt

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 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am making a dispute agains t Pinnacle, LLC  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX   XXXX   XXXX   XXXX   ). T his action constitute fraud under both  Federal and State Laws. Also the stature of limitation are up on this debt and is no longer collectable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I received a quote for a  10/1  ARM in the amount of {$700000.00} at a rate of 3.325 %. A rate lock agreement with this rate was signed. A few days later, I received an email stating the rate would no longer be honored and it was being increased to 3.475 %. The bank stated they had not done their due diligence in determining which types of loan rates I would be eligible for. I had selected the bank for its low rates and the rate should have been honored instead of providing a bait-and-switch once I completed an application and signed a rate lock agreement. No one should be subjected to this type of predatory lending.

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 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Before my loans were in repayment I was making payments on the loans, There is nothing that says I can not pay on my principal balance, and yes I am allowed to pay ahead with out prepayment penality. I my case I considered my payments being a penality since the payments would only go toward the interest first and nothing to the principal balance. Please remember I was not in repayment status at that time. Only now that I am in repayment does part of my payment go toward principal. Now I am receiving, " capitalized interest '' meaning, my interest is being added to my principal and I get charged interest in my interest. What? No Bank, credit card or other legitimate lending institution would be allowed to do this. One loan  XXXX   XXXX ,  XXXX  my principal and interest combined balance was {$5300.00} today  XXXX   XXXX ,  XXXX  the principal balance is {$5500.00}. How can a company that gives the impression it is a government based program, and I think it is, rip us off like this and do it to millions of people and continue to no matter what. I feel like my goveronment hates me ; make billions of dollars off illegal lending practices and I will get this paid off, NEVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Having been paying on wedding ring faithfully every month. There have been a couple of months that the payment was made  but Capitol One proce ssed it a day o r two late,  so therefore they hit me with last payments and fees and they keep racking them as I am only paying the amount that I agreed to when I signed the contract. Tried speaking with them and they state they can only go back a year, which would have been   XXXX   XXXX     and during that time the payment was processed late twice, however, they will not let me know what the payments were before that time. My credit has been highly affected by this. I have spoken to my attorney about this and he suggested I contact you as I am probably not the only person they are doing this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Hello CFPB, We just read about the multistate action involving  Ocwen Loan Servicing.  Is there a plan to provide consumers victimize d by Ocwen with a s hare of the fines levied  against Ocean?  In   XXXX   after Ocwen claimed we were behind in our escrow balance we initiated our own research and found our escrow account had been mishandled  by Ocwen. After m onths of effort on our part to get our escrow funds back and eventually refinancing our home, we got out from und er Ocwen and their thr eats to dramatically increase our mortgage payments.   We spoke with several attorneys in     XXXX   and they felt there must be many others affected by similar   Ocwen stunts but believed it was cheaper for us to refinance and move on.
Are previous customers of Ocwen going to receive any money for damages ( stress, lost time, lost money, etc. ) from this action? We are Maryland residents and would like to know how to file a claim.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA

Complaint narrative:
In  XXXX    XXXX  , the medical lab,  XXXX , performed wrong blood tests, not what was ordered by my doctor. They acknowledged the error and I was told there would be no charge to me. Shortly thereafter I began receiving bills from  XXXX  which I forwarded to my doctor 's office. They called  XXXX  who assured them the matter was taken care of but I continued to receive bills from  XXXX , and now from debt collection companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: AZ

Complaint narrative:
Lender notified borrower that they are increasing the cost of our loan from $  XXXX  to  XXXX . They also required this increase to be effective the next payment thereby providing no advance warning that our monthly payment was increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
The law firm of  XXXX ,  XXXX ,  XXXX ,  (  "  XXXX  '' ) contacted me about a credit card that I was behind on from Chase Bank.  XXXX  made numerous phone calls, and sent letters that implied came from an attorney at  XXXX . I just could n't pay anything.     After a while,  XXXX  then starting calling and sending letters, saying that the account has been acquired by a third-party debt buyer  XXXX   XXXX . The calls and letters implied that it was coming from the same set of attorneys that had represented Chase Bank. I still could n't pay anything. However, I noticed that the new client of  XXXX -   XXXX   XXXX  , was not licensed nor regathered to do business in  Indiana  . This was a violation of at least Indiana law, and may also be a violation of the FDCPA.     I wrote to  XXXX , and told them that they were in violation of law. I told them that I had talked to Indiana attorneys, who told me that   XXXX   XXXX   was in fact violating Indiana law, and had no legal standing, etc.  XXXX  failed to respond, so I called them. I left several messages, and sent Certified Letters, which I can provide to the CFPB. I finally got to speak to the so-called  Compliance Officer, wh o said that the " boss '' was on vacation, and would get back to me.     Its been a few years, and the Compliance person I guess is still on vacation. But,  XXXX  has quit calling and has n't sent any letters.     I also discovered other lawsuits that  XXXX  has filed in Indiana, for other debt buyers and other financial groups that are also not licensed nor registered to do business in Indiana. In talking with some Indiana attorneys, it is a requirement that an attorney first check to make sure that a corporate client has legal standing prior to trying to collect on a debt for the client.     I have been told that unlawful attempts to collect on debts for unlicensed and unregistered clients is a violation of Title  5 of the Federal Trade commission Act, in what is known as UDAAPs, or Unfair and Deceptive Business Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On our  Sam 's Club C redit Card, They say I have been late more than 3 times since   XXXX   XXXX    . If you view my attached payments, you will see that several months I have actually made  2 pay ments a month. I called them because they said I was late again. I checked my bank statement and saw they had deducted my payment. When I called I was told that by making a payment in the middle of the month it actually just applied to the current month and was not viewed as an early payment for the next month. I had just made another  XXXX  payment which does n't show yet on my examples of payment printed from their website. Since this is still   XXXX   it will not apply for my   XXXX   XXXX   payment due of {$6.00}. I thought all of these shoddy ways of doing business were taken care of during the housing crash and credit card consumer abuse and what I call trickery. My husband gets his social security benefit check the  2nd Wed.  of each month and I pay my bills then. All this time since he opened this account, they have been doing this and I was not aware of it until today. No other company that I deal with does this if I make a payment for the next month it is credited for the next month. I think this is a very unfair practice for the consumer especially when they can see I have clearly made a payment in the current month.

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 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Please help me ... i am a   XXXX  year old   XXXX  man from   XXXX   XXXX   of 25 years. I really want to keep my home ... I submitted my loan modification paperwork with all docs and today they advised me that i waited to late to send in my paperwork. I talked with an attorney and he advised me to file a complaint with you guys and to file a debt validation because i was within my 30 day time period. Please help me to keep my house. I do n't know what i am going to do

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 2017-04-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I got a {$35000.00} private " signature '' student loan from  XXXX   XXXX  in  XXXX  for graduate school at   XXXX   XXXX   University. I had previously taken out other very small " federal '' loans through  XXXX   XXXX  for  undergraduate  school in  XXXX  -  XXXX  for which I attended a mandatory seminar covering all the rights, responsibilities, and provisions of student loans. This included things like, the debt would be forgiven if I die and there were provisions for forbearance if I should become unemployed or have financial hardship. When I took out the " signature '' loan, I was told that it was a  XXXX   XXXX  education loan like the others I had, but I needed a co-signer. My brother agreed to do that for me. After I graduated in  XXXX , I found out that this loan was nothing like my other loans. I could n't find a job and the only income I had was what I could get from   XXXX   XXXX  . The only " forbearance '' I could get was for 30 days and I had to pay {$50.00} for what really amounted to a 30-day extension, not a forbearance. Later I was told that even that option was no longer available and that there was no forbearance or hardship option at all. The only job I have been able to find since graduating with my  XXXX  is working in a   XXXX   XXXX   part-time for $  XXXX , which is what I do now. I have been paying on the loan since  XXXX  as an automatic deduction from my checking account. I am paying $  XXXX /month on an " income adjusted '' program when my net income is about $  XXXX /month. In spite of the fact that the payment is debited automatically every month and am not delinquent in my payments, my brother gets  DAILY  collection calls and letters from Navient. Then he calls me and is terribly upset, which is much more upsetting to me than it would be if they called me directly. The stress is enormous. I have asked how I can get him released as a co-signer and was told that I ca n't. They said my only option is to take out a loan with another lender and pay off my student loan. I now have to take medication for  XXXX  and  XXXX . My student loans are my only debts. I have no credit card debt, mortgage, or even a car loan. I now owe more than I originally borrowed. This is a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I signed up for interest free financing for 18 months. I made all payments on time every month for the minimum payment or more, they prematurely added the {$2000.00} in interest to my approximate {$300.00} balance. Did not allow me to pay the principal, reported me as late, charged me off and in addition to having a lawyer take me to court lowered my available limit to less than  1/4th  of what I had available credit limit with all my Synchrony Bank accounts even if they were in good standing which had no late payments. This is has negatively impacted my life and ability to purchase a home for me and my  XXXX  children.

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 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
The company  First Source Advantage  keeps calling for a  XXXX   XXXX . I explained I do not know this person and requested that my number be removed. They keep calling repeatedly with over 80 calls logged in the last month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation