vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NY

Complaint narrative:
I get numerous successive calls from XXXX XXXX XXXX. 
XXXX. It is abusive

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
I XXXX XXXX Have spoke with the company and informed them that I never made a purchase of that sort from XXXX XXXX XXXX and I also informed that I visited the XXXX XXXX XXXX location and they stated that I was in great standing with the company and that nothing was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: MS

Complaint narrative:
I contacted XXXX XXXX two months in a row, to see where I stand with paying of my loan. Last month, I was told I have a balance of about {$1300.00}, with a payoff of roughly {$1100.00}. This month, when I called, I was told that I had a balance of {$1500.00}, with a payoff of {$1300.00}. This baffled me, so I requested a payment history showing the breakdown of principle, interest, and late fees. I was told they could send me a payment history, but it would not have a breakdown in that manner because this was not a simple interest loan, like an auto loan. I was confused, because this is the first time I was informed of this. They said they use the Rule of 78, which I had no knowledge of until today. I have been over paying this loan every month, and did not realize, nor was I informed by XXXX XXXX that this was hurting me, by charging more interest. When I applied an accepted the loan, I was told there is no penalty if I wanted to pay the loan off early. That was incorrect, based on the Rule of 78 calculating principle they use. I was mortified. Until today, I had never heard of this rule. So, by paying this loan off early, they are charging me MORE interest than if I followed their payment schedule. Had I been informed of this when I got the loan, I would have never accepted it, or any others I got from this form. I thought I was well ahead to paying the loan off early, to find out on today, XX/XX/XXXX, that I have been hurting myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13 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: NY

Complaint narrative:
I made a purchase at XXXX XXXX XXXX online on XX/XX/XXXX for {$950.00} and another on XX/XX/XXXX for {$760.00}. I was billed for {$950.00} and attempted to pay this through the telephone automated system on XX/XX/XXXX. The automated call said " thank you for your payment '' and I assumed all was well until I received a letter in the mail that the payment did not go through. I followed up the letter with a phone call to XXXX XXXX on XX/XX/XXXX and spoke to a human who took my debit card information and assured me that I now had a zero balance for all purchases made to date including finance and late charges. On XX/XX/XXXX I received a phone call from XXXX XXXX The gentleman told me XXXX XXXX XXXX actually owes me money because I have a credit for {$2600.00} and I know I did not purchase that amount of merchandise. He said I had to contact Customer Care during regular business hours. I called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to straighten this out. The XXXX women I spoke to did not have any record of a {$2600.00} credit but they said I now owe {$800.00} for the XX/XX/XXXX purchase plus late fees and finance charges on that bill which I never received AND I was told on XX/XX/XXXX that I was at a XXXX balance for all purchases made to date. I asked if I paid this bill will I have a XXXX balance and she said yes. Again, incorrect as she did not mention a {$2.00} purchase I made last week. More late fees and finance charges would have been added to that. It seems to be their policy to ensure there is always a lingering charge the consumer is not made aware of so they can continue to add finance charges and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pan Am Collections, Inc.
State: IL

Complaint narrative:
Male caller identifies himself as representing PAN AM Collections. Telephone number is blocked. Argues when I indicate I can not pay bill at this time. When I attempt to advise him not to call but to contact by mail, he states, loudly, " I can not hear you when you talk at the same time '' very loudly. Attempts to get me angry as a form of abuse ( I am suffering from XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On approximately XX/XX/2018 Wells Fargo accepted my offer to purchase a foreclosed ( XXXX ) home at 23 Stage XXXX XXXX, XXXX, MA XXXX. The acceptance was based upon a pre-qualification letter from my lender. 

Since there was a seven-day home inspection contingency, the inspection was performed to meet the deadline. Although the listing agent refused to de-winterize the home by activating the water, I paid {$550.00} for the inspection to determine if it was in my best interest to move forward with the sale. The inspector found no major problems and recommended it was safe to advance with the purchase. 

The listing agent is now denying an appraisal of the home. It is well known throughout the housing industry that a loan is not granted without an appraisal, regardless of the type of loan ; however, XXXX XXXX stated to me if she knew it was this type of loan she never would have accepted the offer. This type of loan is a XXXX XXXX XXXX XXXX loan. The statement is discriminatory and leads me to believe there are other motives for the refusal of the appraisal. My realtor, along with my lender and several housing professionals, have never heard of denying an appraisal since it is a requirement from all lending institutions regardless of the type of loan. 

My lender offered an alternative of accepting the Assessment Report from the Asset Manager. This request was also denied stating an assessment report was never performed. If this is the case, how was the asking price determined? 

XXXX XXXX was also contacted by U.S. Housing and Urban Development and informed them I do not qualify for a loan to perform repairs on the home. This is not a fair statement since the repairs have not been determined. 

Therefore, I am filing a complaint against Wells Fargo and XXXX XXXX from XXXX XXXX for unfair and abusive practices. Their refusal of due process violates Federal Consumer Financial Laws.

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 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I applied with two mortgage companies for a home loan. Both companies told me they were unable to pull my Equifax credit score. I called Equifax the same day to find out the problem and was told there was no problem on their end ; there were no freezes on my credit. Today, XX/XX/XXXX, I tried to pull my credit score myself and was unable to do so. I called Equifax again and was told there was a problem and it may take ten business days to fix. I need my credit score now, and when I asked who to complain to, I was told there was no one I could complain and I would just have to wait. I am trying to buy a home and need to do this in a short period. Can you please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to XXXX and Equifax requesting that they verify the accuracy of the bankruptcy reported on my credit report and to also provide proof. I received a response from XXXX  on XX/XX/XXXX stating the company who reported the bankruptcy verified the information is accurate. XX/XX/XXXX I received a response from Equifax saying the public record item was obtained by local, state and Federal courts third party vendor XXXX XXXX and they verified the item was accurate. I have included a letter from the bankruptcy courts stating they don't report anything to credit bureaus. I have also included proof of a security freeze placed on XX/XX/XXXX from XXXX XXXX. This is the same third party company who verified the bankruptcy to Equifax on XX/XX/XXXX dispute there being a freeze request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
- American express card went to collection in XX/XX/XXXX to XXXX XXXX XXXX in XXXX TX, for the amount of {$1000.00}. 
- No late fees were deducted for the first 3 months of collection XX/XX/XXXX Nor this company discuss doing that, for me. 
- I agreed to pay {$50.00} a month until it was paid. 
- They used a sales pitch to get an American Express Optima card with a {$500.00} limit once the debt was paid. I told them I did not want it and I did not want a lot phone calls as I would pay the debt as stated two lines above. 
- They appeared to be using some over aggressive tactics, by means of tone of voice and words. I do not appreciate that. 
- On XX/XX/XXXX on or about XXXX eastern standard time : Caller from XXXX called me and said her name was XXXX XXXX, from XXXX XXXX. She said " we are gon na need to some secure some checks, this a 30 day card, so we need to get some checks from you ''. I already pay via bill pay to American Express, as I was originally told I could do. I also said I planned on having the debt paid with 12 months roughly. I told them this XXXX last year ( XXXX ). I then explained to XXXX XXXX, I do not give my checking account information out over the phone. Hence, the reason for Amex directly. 
XXXX XXXX also said during the course of the conversation : " Are you getting a an IRS refund? '' That is personal and not any of hers or their business. XXXX XXXX then says " Well we just want to see if you can pay more, now? '' - These are aggressive and unprofessional tactics, a completely disgraceful manner to conduct business. When XXXX XXXX realized I was well aware of my affairs, she quickly said thank you and got off the phone. I do not even know if she really works there or this was spoof call. Either way, if she does, XXXX needs to correct their training deficiencies and enforce quality control. 
- Bottom line is they are unprofessional and the above statements reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leading Edge Recovery Solutions, LLC
State: GA

Complaint narrative:
For the past 6 months at least, with the most recent coming this morning ( XX/XX/2018 ), we have been plagued with calls from XXXX XXXX XXXX. I DO NOT answer calls from unknown numbers, & we are, or should still be, on the NO CALL list. The Caller ID simply showed " Leading Edge '', but no further info. I googled that, with no satisfaction as to who or what Leading Edge is. NO MESSAGES on our answering machine were ever left previously. We chalked these up to nuisance calls. However, this morning a message WAS left. We did not get the complete company name, but XXXX XXXX XXXX is close. We could make out the XXXX XXXX. 
WE WANT THESE CALLS STOPPED!!!!! We believe this company is off-shore as well as bogus. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN

Complaint narrative:
Last year I noticed a transaction in the amount of {$28.00} that was designated as an escrow transaction. I do not have an escrow account, by choice. I was assured that the account had been corrected. 
Again, this year another transaction for the escrow account in the amount of {$340.00} posted in XX/XX/2018. Since I do not have an escrow account, where is this money coming from to pay the insurance? Would not someone have noticed there is not an account to draw this from? I am beyond frustrated with this lack of follow through. See the attached document from the re-fi closing where the mortgage is designated as non-escrow. ( in yellow ) Now  the insurance has been paid without my knowledge or consent and I am in the process of changing insurance companies. Now it is my burden to wait for a refund check from the insurance company that was paid in error. 
I paid more to obtain a mortgage as a non-escrow account and now I am spending my time to fix what should have been right the first time, or at the very least fixed when I inquired about it last year. 
When I contacted them last week, I requested that I be contacted via email within 24 hours regarding the plan to correct the issue, I have yet to hear from anyone at Rushmore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
XXXX XXXX from Williams and Fudge XXXX XXXX XXXX XXXX SC XXXX XXXX I have been repeatedly harassed after asking them to stop calling. They called my employer on XX/XX/18 at XXXX XXXX 

They have never sent paperwork to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
I received notification form XXXX  that a new collection was added to my report as of XX/XX/2018 from XXXX XXXX XXXX for over XXXX for XXXX XXXX. I have never had any services with XXXX XXXX. I was not sent any info in regards to this which gives me a chance to validate and dispute this debt which is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: TX

Complaint narrative:
This is my Third Attempt to have this account with XXXX XXXX Verified. I have sent in letters to all three reporting agencies and I have yet to receive any feed back and it has been over 3 months and no one has corresponded with me anything on my investigation. I have sent information in to the business to have this account verified if I can not obtain legal verification of this account I would like for it to be removed.

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 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I had an overdraft for a {$160.00} and paid it i am still getting mail from XXXX and others the amount was paid and cleared

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 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has begun charging a {$39.00} " annual membership fee '' on my Platinum Credit Card. When I applied for the card, I specifically chose the Platinum card due to the lack of annual fee. On all promotional materials, the Platinum card is listed as having " {$0.00} annual fee '' and in terms and conditions on their website, the {$39.00} " annual membership fee '' is not disclosed. A yearly " membership fee '' IS an annual fee. This is unethical and misleading conduct and I am not the first customer to have experienced this confusion at being charged an annual fee. If Capital One is going to charge an annual membership fee, the {$39.00} should be listed as an annual fee in their Product Terms & Conditions immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Consumer Financial Debt Services, LLC
State: WI

Complaint narrative:
XX/XX/XXXX @ XXXX XXXX I was called by a debt consolidation company that claimed they would lower my credit cards interest. They called from XXXX. Our phone number has been on the XXXX no call list since XX/XX/XXXX, verified. They are using cells and burner cells to call me. We have no consumer debt. 
I asked for the companies : name and address and was told no and they hung up.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I graduated from XXXX XXXX in XXXX, MI in 2003, although for some reason it is not on your list. Navient has proven to make it extremely difficult to repay my loan as they only accept a limited payment option by debit or check only. I was on disability for 7 months and they would not send me the proper paperwork. My loan balance for graduating now 15 years ago is still totally over {$20000.00} dollars. I find that very hard to believe considering is was a 2 year XXXX college. I tried recently to get my transcripts from XXXX  who is supposedly servicing XXXX students. I paid {$10.00} only to receive a measly certificate with the name of my degree. Right now employers do not even recognize XXXX as an accredited college for education. So my degree is worthless. I'm looking for a loan discharge as I feel that this is fraudulent, and are prepared to take legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have called several times sinceXX/XX/XXXX to try and get the account from XXXX XXXX in the amount of {$610.00} out of dispute. I'm in harms way with my funds in escrow trying to close on my home and they will not remove dispute account nor will they state on my credit report that the account is no longer in dispute. Asked for a supervisor on all calls and they would not let me speak to one as well as the supervisor said no need for me to talk to them that the representative is doing their job. They said that I have to write a letter and it will take them 60-90 days to reply. Really. I didn't have to write a letter for them to add the comments on my credit report but I have to for them to fix it. I really need this fixed asap please.

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 2018-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
I received a loan in the amount of {$850.00} and by the time the loan is paid in full I will have paid 8 payments of {$270.00} for a total of {$2100.00}. Per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid. Despite this organization providing illegal loans I have attempted to contact them to delay a payment 3 days from XX/XX/XXXX to XX/XX/XXXX and have been not only denied but threatened with immediate collection activities if I pay later than XXXX XXXX. on XX/XX/XXXX. This company is threatening to harass me when I am clearly attempting to pay this loan in full despite it being an illegal loan in the State of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: GA

Complaint narrative:
Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XX/XX/2017 which is not correct! I was never 30 days late!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: GA

Complaint narrative:
Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XXXX of 2017 which is not correct! I was never 30 days late!

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