vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX Are Closed / Charged off reporting in active balance. submitted numerous of disputes and contacted the credit bureaus to remove inaccurate account or change balance to {$0.00}. But do not investigate or change.

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 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: OR

Complaint narrative:
I received a an application to apply for a credit card 0 % APR * ( defined by the fine print : * The 0 % APR applies to balance transfers made within 60 days of account opening and for 20 months from opening the account. A balance transfer fee of 3 % of each transfered amount will apply ). After completing the arithmetical calculations it turns out the APR is 1.8 % not 0 % So right there the US bank exposes itself as fraudulent because when you charge a fee the APR cis not XXXX. I contacted US bank and they keep repeating the same line, even though their website explains the difference between interest rate and APR ver cleary. 
Thank you, XXXX XXXX

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 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I sent a certified letter on XX/XX/XXXXit was signed for on XX/XX/XXXX, requesting validation of debt owed, and my signature, or they needed to delete the debt from my credit reports. All they sent back that was dated on XX/XX/XXXX was a letter stating the debt was valid, and a statement that was dated back in XX/XX/XXXX/XX/XX/XXXX for the Seller- XXXX XXXX XXXX Merchant-XXXX XXXX. 
Since they also marked the account disputed and never sent me actual validation, and they can not prove this is my debt, this is a violation of the FCRA & FDCPA, so they must delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The pretender lender loan servicers opposing counsel responded to my consumer complaint on XX/XX/2018 attaching manufactured documents with scribbled signatures. Opposing counsel failed to provide me with the so-called notarized original loan documents because he knows the pretender lender loan servicer only has manufactured copies. When is opposing counsel going to be honest and provide me with color copies of the so-called original loan documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
XX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXX, constant for 5 years ... and then ....

XX/XX/XXXX interest rate = XXXXXX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXXXX/XX/XXXX interest rate = XXXX   XX/XX/XXXX interest rate - XXXX For 5 years I had a rate of XXXX. Starting in XX/XX/XXXX XXXX XXXX started increasing my rate at 0.25 % per increase, with 6 increases in 18 months! I called and complained. They said that there was nothing that they could do. This is greedy and immoral.

3 increases in 5 months!

I have had no late or missed payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Good afternoon! I am writing today regarding Citizen 's Bank. I had a personal student loan that I took out sometime prior to XX/XX/XXXX. In XX/XX/XXXX, my husband and I fell on hard times and filed bankruptcy. After the discharge, all of my student loans contacted me and made arrangements for payment. I have been paying on these student loans faithfully for over 6 years. I had many loans, and I lost track of which investors were to be paid. The only company that never contacted me, ever, was Citizen 's Bank. I was not even aware that I owed them any money. In the past 6 years, not once did I receive a notice of payment in the mail, in an Email, or a phone call. I have had a personal account with them for many many years. Last Friday, XX/XX/XXXX, Citizen 's Bank went and took every penny that I had in my account. I am now in the rears with them due to bill paying online, and have several checks that are going to bounce. I understand that they have a right to do this and what occurred was completely legal. I first thought it was a fraudulent removal by someone who may have copied my debit card. When I called the bank, I was informed that the money was taken to partially cover a prior debt with them from years ago. I explained that I have checks out in the mail to pay my utilities and other such bills. I also explained that I have no money left to feed my daughters. I informed them that I was never notified of the debt, or I would have made arrangements. I also informed them that if they placed some of the money back in the account, I was 100 % willing to cooperate and start a payment plan as I have with all of my other student debt. They were unwilling to assist. At this point, I am not sure how I am going to afford gas for my drive to work. They disregarded anything I said and were not helpful at all. Like I said above, I understand that they had a right to do this, but to be so unwilling to work with someone, and to have not provided at least some form of contact for payment in the last six years is in my mind immoral, unethical, and cruel. I don't know if you can be of any assistance or not, but they really put me and my family in a terrible position and I am not sure what I am going to do. We live paycheck to paycheck, and my husband is on unemployment at this time. Taking {$1700.00} is enough to put us in a predicament that we may not be able to dig out of. Thank you so much for taking the time to hear my voice. I appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I communicated with XXXX from XX/XX/XXXX to solve the problem of their service. They were not able to solve the problem, I closed my account with them the morning of XX/XX/XXXX. Their billing cycle closed on XX/XX/XXXX. Attached is my log of the calls which I made to XXXX with their dates. I have taken these from my daily journal. Attached is a file of the details which I sent to the first collection agency XXXX assigned to collect. The first collection agency was sunrise credit services. See the attached pdf file XXXX. This also has the information that I had sent XXXX their equipment back to them. 
They had told me that XXXX  is charging for equipment not returned to them. I sent a second Fax with the receipt of XXXX equipment sent to them by XXXX ( as per XXXX request ). I also asked them to send the details of the {$210.00} bill, which I never received. I was told that since my account was closed they could not send me any details. I did not hear from sunrise credit service again. See XXXX for their info. XXXX was the letter sent by XXXX I did not receive any bills from them detailing the amount. See XXXX for their last bill sent to me and there is a credit since I paid them on XX/XX/XXXX for the amount I owed them. 
I was contacted by Diversified Consultants in XX/XX/XXXX. See XXXX. I told them that I contest the billing. I have not heard from them. They do not have a fax number on their letter. 
I do not think that it is fair to get multiple collection services after me and XXXX not giving me information on their last bill. If they are charging me for equipment then they have received their equipment. If they are charging me for closing their services, then they are wrong on two counts. 
1.My service was started as with no contract. 
2. They could not provide the services so I had to close their account and ask XXXX to install their equipment. They installed new modem which solved the problem which I was having with XXXX. 
I have XXXX XXXX XXXX and I do not appreciate XXXX hounding me with multiple credit services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: TN

Complaint narrative:
I have three private loans with XXXX XXXX totaling to about 84 thousand dollars. The original interest rate were about 8-9 % but recent all of my loans have been bumped up to 12 %. That high of a interest rate is criminal. Because of this I have had to drop out of college and work to pay the loan off so because the interest alone would accumulate to an amount that would be un-payable in the future. My dad took a loan out on his credit card of the amount of {$28000.00} which he had the credit card company ( XXXX ) pay directly to XXXX XXXX. XXXX sent the amount on XX/XX/2018, however XXXX XXXX insists they haven't received it yet. Now we are collecting interest on two loans and XXXX XXXX does not care about helping us. Please help me and my dad, we are desperate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sherloq Group, Inc
State: FL

Complaint narrative:
On XXXX XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XXXX XX/XX/XXXX I responded to XXXX  via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, SHERLOQ Financial ( " SQ '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, SQ is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to SQ. SQ is collecting on an uncollectible debt- conveyed to SQ by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and SQ continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, SQ.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I purchased a foreclosed home back is 2005 for XXXX. We could not get a conventional loan so we were able to get a stated income, adjustable rate mortgage. I remember the mortgage company telling me to say I made {$100000.00} a year so we could get approved, but I refused and they were able to secure it without my singing the documents. We opened an ARM with XXXX in 2005 for the principle amount of XXXX. We have made all our payments and our principle balance is still XXXX. that means we have only payed XXXX over the 13 year life of the loan? that's less then {$100.00} a month. We also received notification that our rate was increasing to 9.75 %. We don't understand how our interest rate could go up when the interest rate is at an all time low. We tried to refinance with XXXX mortgage. The underwriters at XXXX told us we didn't show enough income on our current taxes to qualify for a refinance?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
My mortgage company changed my account number and bill address. I followed their instructions and changed the account number and bill address. 5 weeks later I received a missed payment letter because the new account number apparently didn't link to my account. The missed payment notification had a different account number on it than either the new account number or the old account number. My bank verified that the check had been cashed before the due date by the mortgage company. I tried to access my account on-line but couldn't because the account numbers have been changed. The mortgage company is refusing to cooperate with either my bank or I in our attempts to prove payment, instead insisting on copies of the cashed check, which don't exist because it was an EFT. The missed due date was XX/XX/XXXX, the check was cashed on XX/XX/XXXX, the next check sent to the same address with the same account number is due today. I believe the Mortgage Company is dragging this out to get more penalty fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
My mother used my information while she was living with me to take out a student loan ( also maxed out credit cards in my name ). I have already reported identity theft and filed a police report. Company will not remove the negative collection from my credit report. The amount is around {$7100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: NY

Complaint narrative:
I filed a complaint about 10 days ago with this office a day or 2 after filing the complaint I received a phone call from a rep in the executive office claiming that she wants to help me, but the fact of the matter is that even after waiting my time with her for hours repeating and explaining my issues as well as she admitting that they were wrong she wasn't able to resolve this issue and just continuing to waste my time with flawless resolutions back and forth which are fruitless and non sense while she is aware of the non sense. Other than wasting my time and their time nothing is moving, they don't feel sorry enough to rush it or do something at least to prove that they are taking responsibility on their failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I'm trying to have this item move from my credit report, causing problem, paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center
State: CA

Complaint narrative:
XXXX is the company and i did get accepted for a lower -payment option setup. But, the problem I have is that going through a Student Loan Foregiveness program from this website - XXXX XXXX   XXXX - this was determined from this information about XXXX being a bad group to have do loans and repayment options correctly. This Relief Program is from a company called Premier Student Loan Center and stated to me about my loans getting to a point from where the lower payment option i agreed upon would be paying pretty close to double the amount to Navient when i'm all paid off. They gave me numbers that seemed reasonable, but i'm unsure if they aren't a scam or if they are a legit company but i thought i'd bring it up to you guys since they are using information that seems to be the same kind of information that you guys provide for people going through these hardships of loan repayment situations. They also stated that they would need {$20.00} fee annually for this process of agreement plus 5 months of {$230.00} for getting this allowance approved. Lastly the amount determined for my repayment plan was {$100.00} for 235 months - I'm just more confused if what they told me was something that is even allowed for a company to deal with from XXXX and i thought XXXX was worth trusting, but i'm unsure now after being told from this Forgiveness Program. I'd just like to know what's my best option and who i need to trust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to the TD Bank locates at XXXX XXXX XXXX in XXXX, Fl in ref to an account being opened in my name. I received a statement from XX/XX/XXXX-XX/XX/XXXX with a XXXX balance. The bank rep, XXXX XXXX XXXX, said the acct was opened on-line and they immediately closed it. I informed them I had my personal info compromised in the IRS release of info and had a police report for that. I had a police report written for this incident. 
In the last week I have received two ledgers with checks and deposit slips for my new acct wITH TD Bank, each with a different acct number. Both ledgers were sent to my house. I called their Fraud dept and after being on hold for 30 mins, was disconnected shortly after the fraud employee answered the phone. I called back and have been on hold for 25 mins again after explaining to the receptionist I am a victim of fraud agai with their bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 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: Convergent Resources, Inc.
State: MO

Complaint narrative:
I called Convergent formerly XXXX XXXX due to them.still reporting an active account in dispute even though the dispute has been resolved. I have been trying to get a mortgage in which you can not have active disputes in some cases. I received confirmation from all 3 credit bureaus that the dispute had been resolved on their end. However when my credit pulled the dispute is still.reporting on there. The credit bureaus sent me a copy of my report showing me that it was resolved on their end and that I would need to contact the collections agency directly and request for them to remove that statement from my report since the dispute had been completed. Convergent told me that they were not going to remove that statement until I satisfied my debt with them and they the active dispute would remain on my credit. I let them know that I would be contacting the cfpb about this and he stated that he would have to do more research but he wasn't going to provide me with any more information on the account. They started all calls are recorded so they should have the phone call available for review as well.

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 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: PA

Complaint narrative:
This is a 3rd party debt collector, attempting to collect off a discharged, or closed account ... the original Creditor, was XXXX XXXX, when fraudulently opened in XX/XX/XXXX, in XX/XX/XXXX I sent a letter and repeated calls to XXXX that this account was not opened by myself, they closed it in XX/XX/XXXX, XXXX XXXX bank then attempted to add fees on a closed account, originally a XXXX dollar line of credit ... in the excess of XXXX dollars, so far. in XX/XX/XXXX I filed in court and notified them of a court date, they did not appear ... debt was removed, and XXXX XXXX removed it from my credit reporting file, on XX/XX/XXXX I received a letter form the Collection company XXXX, and repeated phone calls of harassment, on my JOb phone number, I am fed up of this, I am also enclosing the cease and desist letter I sent them ..thank you

Company response to consumer: Closed with explanation