vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I use XXXX XXXX XXXX online banking for the ease of : a ) removing the need for paper bills to mailbox & possible identity theft, b ) extensive electronic relationships provide expedient & efficient payment. 

However, some times due to any number of reason outside of my control, the creditor does not receive timely payment. Case in point against Barclay now seeks to charge {$25.00} late payment, but it's not my issue of their communication with XXXX.. 

I refuse to be charged late fees for matters outside of my control and DEMAND it removed from my bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: TX

Complaint narrative:
I have been going back and forth with XXXX XXXX XXXX  XXXX about two late payments that are showing on my credit report from XX/XX/2017 and XX/XX/2017. I Have never been late with my payments and when i spoke with them they claim their system was down and didn't process my payments on time but they refuse to correct the error that was caused by them not me. This has hurt my credit scores in a big way and i need this taken care of immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
This company is calling me constantly even after i told them to stop calling me. They are also threatening me!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
OnXX/XX/XXXX I went to Bank of America XXXX  ( XXXX XXXX XXXX  ) to make a wire transfer. While I was waiting in line, banker XXXX XXXX  spoke with me. She asked me whether I had a credit card, and I said yes. I told XXXX that I just opened my first credit card a month ago, and that was a XXXX XXXX credit card. However, XXXX  lied and told me that I needed to open a BOA travel card because XXXX  card had foreign transaction fee and less cash back ( Actually XXXX  offers 2 % cash back, better than BOA travel, with no foreign transaction fee ). She also did not tell me about the negative impacts on my credit report of opening 2 credit cards within the first month of credit history. XXXX lied and intentionally guided me to apply for a credit card using false information. It is clearly contrary to professional ethics. The decision of opening the credit card is not based on correct information. I contacted XXXX the afternoon of XX/XX/XXXX, asking her to cancel the hard pull on my credit report as well as the credit card. She said that she would contact me again the second day and provide a solution, but she actually blocked me from messaging.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Im writing this on behalf of my minor XXXX. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MedRecovery Solutions, LLC
State: NV

Complaint narrative:
This company has sold my credit and put it on my credit report yearl resulting in negative score. The debt is old. So I dont know how it continues to show up as new every few months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX breach cause my accounts to XXXX up inaccurate information reporting cra violaton please correct and items showing up that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: CT

Complaint narrative:
In XX/XX/XXXX, the company processing my federal student loans changed from ACS Education to Conduent to  now, XXXX. I've been trying to log in to ACS/Conduent 's website to retrieve my XXXX   information for the year XX/XX/XXXX ( student loan interest paid ). The website does not allow me to login and retrieve this info ( I get told I will be sent an email with a verification code to access my account, but these emails never arrive, not even to my spam folder ). When I call their customer service number, I am unable to retrieve this info either through their automated system, or even speaking with a live operator. I just get routed to a series automated messages with the final one hanging up on me.

XXXX   does not have this interest info accessible on their website ( presumably because my first payment to them was inXX/XX/XXXX ).

Please help, as I need that XXXX info for my taxes. Thanks! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
MONTEREY COLLECTIONS - This Company has been informed via the major credit reporting agencies that this is a debt not owed as it is absorbed in a chaper XXXX bankruptcy of 2015. The debt was obtained prior to the XX/XX/2015 bankruptcy which automatically includes it in the bankruptcy. 

It has also not been verified through the dispute processes of the cra 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I received an email in XX/XX/XXXXadvertising that " Charles Schwab is offering a bonus of {$200.00} for using your High Yield Investor Checking account. You must do the following : Enroll in direct deposit by visiting our site.

Establish and make direct deposits totaling {$2500.00} or more before XX/XX/XXXX. '' I completed the requirement and it stated that " The incentive deposit will be deposited into your High Yield Investor Checking account byXX/XX/XXXX. '' I have not yet received the bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07 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 — Problem with personal statement of dispute
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
The company is EOS CCA. I originally disputed an account for XXXX XXXX and it was removed from my credit correctly. EOS bought up the account in XXXX, XXXX. 

Ive never heard of them, Ive never received a phone call, Ive never received a letter, statement or anything from this company. My address was on mail forwarding so there is no way they couldnt have gotten a letter to me. I was never given the chance to dispute this before it was added to my credit in XX/XX/XXXX 

Ive attempted to call them but theyre either closed or never answer their phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My closing date for the XXXX XXXX  credit card is allegedly the XXXX of the month. However, according to XXXX  the last time my account was updated was XX/XX/XXXX. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full on XX/XX/XXXX. My account should have been updated by now, XX/XX/XXXX. I spoke to a supervisor, XXXX who stated she could not or would not correct the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I was unable to make a few payments on- time to capital one due to being unemployed and having a financial hardship at the time. I contacted Capital One with a Goodwill letter to remove the late payments and they were not willing to change the status. I have been a loyal customer to Capital One since 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a dispute for debt, this is a request to remove a name that does not belong to 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 non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  breach cause my accounts to XXXX up inaccurate information reporting cra violaton please correct and items showing up that are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX breach cause my accounts to XXXX up inaccurate information reporting cra violaton please correct and items showing up that are not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
XXXX XXXX  wrongfully applied the annually-recalculated, monthly Revised Pay As You Earn ( REPAYE ) payment for my student loan. As I am in repayment and on the REPAYE payment plan, I should make 12 monthly payments before my payment is recalculated. XXXX applied the newly recalculated payment amount for this year one month early. Instead of 12 monthly payments at the old payment amount, I made only 11. When I called XXXX and brought this to their attention, XXXX said they would look into it. That was over two months ago and I still haven't heard from them. By wrongfully applying recalculated amounts early, XXXX is in effect overcharging student loan holders. Correctly handling student loan accounts should be XXXX 's foremost priority. It appears to me XXXX is failing in handling this responsibility. Please look into this for me. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Around XX/XX/XXXX I applied for a Home Modification Loan through Nationstar aka Mr. Cooper and it would go until XXXX. I paid every month on time. It reduced my monthly payment considerably. Well before XXXX ended I called Nationstar to see what options I had after XXXX was over and they told me that they were going to submit me again for another modification loan. Well I waited and waited and called and called. I finally found out that the second loan modification was denied and I needed to pay {$28000.00} or go into foreclosure. I asked if there was anything they could do and one representative mentioned doing another loan modification. I told him they just submitted one and it was denied. He said well we can try again. I asked if he needed anything from me like check stubs or bank statements and he said no just like the previous time that I was denied. This came back at the beginning of XX/XX/XXXX as denied also and now the amount to reinstate and keep my house is {$33000.00}. I even asked if they could tack it on the loan. They said no and my monthly rate has gone up now from {$2100.00} to {$2200.00}. I have written to XXXX XXXX, CEO and he hasn't responded yet. This just doesn't sound legit to put someone in a home modification loan and then ask for the full balance when the modification is over. Not giving me any time to pay. I have been told that I can't pay payments unless its the full sum of what I owe from the entire year of XXXX. The Loan Modification was {$620.00} a month and I found out they were holding that in an account until during the loan they collected {$2100.00} and then they would apply that toward the loan so during the entire Mod I essentially only made 1 full payment and that is why I owe {$33000.00} for payments, late fees and attorney 's fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NV

Complaint narrative:
U.S. BANK DEEMED TO BE ACCEPTING FRAUD ACTIVITY WITH OUR CHECKING ACCOUNT. BY WAY OF ACCEPTING OR REINSERTING PAST AND PRESENT DEBITS TRANSACTION. WHICH CAUSING OUR ACCOUNTTO BECOME LOW SO FAST, WITHOUT AN EXPLICITY DETAILS TO US WHAT THIS AND THAT WITHDRAWAL, ETC. I HAVE NOTICE IT, BY RECOGNIZING OUR OWN FINANCIAL ACTIVITY VS COMPARING TO PRINT-OUT STATEMENTS I'VE ASKED FOR AT THE BANK COUNTER. I HAVE NOTICED SEVERAL OF FINANCIAL TRANSACTION I COULD NOT RECOGNIZED. BECAUSE I AM THE ONLY ONE DOING IT, AND NOT MY WIFE..AS BANK WORKERS TRYING TO SAY, MY WIFE MIGHT HAVE DONE SOME OF IT. MAKES ME WORRY ABOUT THEIR ASSUMPTION FOREMOST. SOUND SO EXPERIENCING WITH THEIR ASSUMPTION OF DOING SO PERHAPS. IT STARTED AFTER I CHANGED MY CARD NUMBER ENDING XXXX, AND XXXX, NOW I HAVE MOST RECENT ONE ENDING XXXX I AM SERIOUSLY CONCERNED ABOUT FINANCIAL MANIPULATION BANK WORKERS ARE DOING TO OUR ACCOUNT REASON WHY IT GONE TO LOW SO FAST ... .WHICH I NEVER HAVE THIS PROBLEMS BEFORE, EVER. SOMEONE OUT THERE IS STEALING OUR ACCOUNT PROFESSIONALLY WE ALSO DISCOVERED FINANCIAL SHORTAGE TO OUR ACCOUNT SUBTRACTING BALANCES FROM ACTUAL BALANCE. THIS TYPE OF ACTIVITY MUST RECOGNIZED, AND HAVE SUCH INDIVIDUAL PLACE UNDER ARREST FOR LAW VIOLATION. I SHALL SAY. ALSO ; XXXX AND XXXX DEBIT OUR ACCOUNT ... .WITHOUT OUR CONSENT. DOES CONCERNED US BIG TIME, THAT U.S. BANK WOKERS ARE AUTHORIZING THIS BY WAY OF " NEPOTISM, FAVORITISM, AND CRONYISM '' FOR SURE WITHOUT NOTIFYING ME FIRST. BECAUSE, I'VE TOLD THESE BUSINESSES ; THAT WE DO NOT ACCEPT " ON LINE PAYMENT '' AT ALL WHATSOEVER ... U.S. BANK STATEMENT PRINT-OUT AND MONTHLY STATEMENT ARE TOTALLY DIFFERENT BECAUSE ACTIVITY FROM MONTHS OR SO BEHIND ARE STILL EXIST 3 MONTHS AFTER ALL. SOMETHING REALLY DEVIOUS TOWARD FRAUDULENT ACTIVITY LEGITIMATELY.FRAUDS DEEMED TOBE FROM XX/XX/XXXX, ALL THE WAY THROUGH XX/XX/XXXX.. THANK YOU FOR ANY HELP. SINCERELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: OR

Complaint narrative:
After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/ 2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX  any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX  reporting this line once again when there is no way for me to satisfy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My balance on XX/XX/XXXXon my Capital One credit card was {$490.00}, credit limit on the card is {$500.00}. I made a payment of {$490.00} on XX/XX/XXXX prior to the end of my billing statement to pay the entire balance off. Later that evening I confirmed with my bank that the payment was made. On XX/XX/XXXX I checked my bank account and it stated processed and had cleared payment to Capital One. I then received an email from Capital One on XX/XX/XXXX at XXXX thanking me for my payment that stated that my payment has been posted. On XX/XX/XXXX at XXXX I contacted Capital One because my account stated a {$0.00} balance but also stated {$0.00} available credit. When I called the recording stated the same information about my account and that they have received and posted my payment on XX/XX/XXXX for {$490.00}. I spoke with two people one named XXXX XXXX and both stated that they can release the available hold once payment had cleared and when I told them its cleared through my bank and they emailed me stating its posted I was told that they would call my bank and be on the line as I confirmed my information on who I was and then ask my bank for banking information to confirm the payment has been processed. When I told them I would not allow them to contact my bank and be on the line as I went through the security process to prove who I was and I would not allow them to hear my personal banking information they stated the credit would not be available until Saturday XX/XX/XXXX. I brought up all my paperwork I had received from Capital One about the credit agreement, that I have paid on time each month for over 6 months being with them, I have never had a payment returned, and that the agreement states when the payment is posted the available credit is then available. My issue is they are holding the balance payment until the end of the cycle which will then report to the credit bureau that I utilized 98 % of my available credit and it will charge me 24 % interest on a balance of {$490.00} next month because he said the balance would not have cleared prior to end of billing cycle. How can they hold my payment once out of my account for 5 days until after the billing cycle ends, zero out my balance for the next billing cycle, charge me interest when they payment was removed from my account 4 days before end of billing cycle, report the high credit utilization to the credit bureaus, and breach the credit contract of available credit when they have the payment in their system days before. When I make the minimum payment or anything under full payoff they have never withheld it or the available credit for 5 days.

Company response to consumer: Closed with explanation