vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Bank of America regarding interest rate changes to my credit card account XXXX ( Case # XXXX Rep XXXX ). The credit card account was opened in XX/XX/XXXX as a new Bank of America employee. The Credit Card Agreement indicates the initial interest rate was 8.24 % Standard Rate. Bank of America advised there was an interest rate change of 8.49 % on XX/XX/XXXX ; 9.24 % on XX/XX/XXXX and 9.49 % on XX/XX/XXXX. However, Bank of America did not to send a 45-day Notice advising of any of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XXXX. Although the CARD Act Notices were never received, Bank of America insists the notices were sent accordingly. On XX/XX/XXXX I requested copies of the Change of Interest Rate Disclosures, but as of this date the letters have not been received. It also appears Bank of America changed the interest rate from a Standard ( Fixed ) Rate to a Variable Interest Rate and has assessed the changed interest rates to existing purchase balances with no Disclosure Notice of the changes. In addition, upon separation ( due to lay-off ) from Bank of America effective XX/XX/XXXX the terms of the Severance Agreement specify existing interest rates on credit cards will not change based on the change of your employment status. Bank of America is in violation of the CARD Act of XXXX and the Severance Agreement.

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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On my credit reports it shows that Wells Fargo pulled my credit without my consent. That is a violation of my privacy. I did not authorize this inquiry.

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 2018-04-20 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo account re-aged ; XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX, XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX. I've disputed the accuracy with credit reporting agencies with no success. I have attached copies of credit reports for both years.

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 2018-04-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Disputing a debt showing on my credit report by XXXX XXXX for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.

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 2018-04-20 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 — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Disputing a debt showing on my credit report by Portfolio Recovery for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I blocked XXXX (XXXX XXXX) from my phone and reported to XXXX, FTC, FCC, CFPB (CFPB Complaint #XXXX). I called XXXX to be put on XXXX XXXX's Do-Not-Call List but all they did was send my number to a different department, so that now it shows up on my phone as XXXX. I am still getting calls and voicemails from XXXX XXXX. PLEASE STOP THESE PEOPLE FROM HARRASSING 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 explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: NY

Complaint narrative:
Please be advised that XXXX XXXX ( XXXX ) of Delta Management Associates is constantly conducting harassing phone calls to my cell phone, my immediate family members and my distant relatives. 

XXXX and Delta Management even sent a text to my cell phone from a XXXX ( whom I do not know ) of XXXX indicating that she and I are longtime lost friends and XXXX just happened to call her in an attempt to make contact. 

I have respectfully requested that Delta Management Associates CEASE AND DESIST, the Harassing Calls, Immediately. 

Delta Management XXXX XXXX XXXX - XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Ma. 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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I do not know who they are or where this account or fee comes from, please help me how to remove this fraudulent account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
THIS IS NOT A DUPLICATE. 
I AM FILING A COMPLAINT AGAINST MR. COOPER ( MORTGAGE COMPANY ) LOAN # MR. COOPER CASE REFERENCE # 2 PROPERTY ADDRESS : Mr.Cooper ( Mortgage Company ) is attempting to modify my existing signed contracted mortgage agreement by making false statements. I have enclosed all necessary correspondence letters for your review. In the letter from Mr. Cooper dated XX/XX/2018 they clearly state '' Through review of the account history we verified there hasn't been any 30 day or more late payments received. '' That statement confirms that there was no reason to change or modify my original signed contract with XXXX XXXX of me ( owner ) to continue to make property tax payments directly to the XXXX XXXX   XXXX. Mr Cooper made an erroneous payment to the XXXX XXXX XXXX without cause. Also on the same letter dated XX/XX/2018, Mr. Cooper stated that they spoke to " Tax Collector XXXX, confirming the funds they remitted will be used towards the 3rd installment for the taxes ''. THIS STATEMENT IS COMPLETELY FALSE AND UNTRUE! I have enclosed a letter dated XX/XX/2018 from the actual tax collector for the XXXX XXXX  XXXX, NJ, XXXX XXXX XXXX, clearly stating that " The XXXX XXXX  XXXX does not apply bank payments made to an open quarter and then transfer that payment out and reapply to a future tax quarter '' .In conjunction with that statement, XXXX XXXX , also states " In the instance where a bank identified that they made a payment to a parcel in error, upon written request, the bank will be refunded the erroneous payment ''. Which is exactly the situation here, the payment that Mr.Cooper made to the XXXX XXXX XXXX was in error. Nothing on my part, caused Mr. Cooper to make that payment, and most importantly it's not part of my original signed contracted agreement for them to make property tax payments. Bottom line, the payment should have never been sent by Mr. Cooper. Therefore, I am demanding that Mr. Cooper request a refund from the XXXX XXXX XXXX directly, and exclude the modified amount from my account. The signed contracted agreement can not be changed due to an error by Mr. Cooper. I am not paying any additional amount or extra payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
A request for an Unemployment Forbearance Plan was submitted on XX/XX/XXXX. The 5-month Unemployment Forbearance Plan was approved XX/XX/XXXX ( effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00} ). However, on XX/XX/XXXX a Flex Modification Trial Plan Notice was received dated XX/XX/XXXX with an effective date of XX/XX/XXXX. A borrower solicitation call was also received from Ditech on XX/XX/XXXX in which the Loss Mitigation Representative ( XXXX ext. XXXX ) indicated the loan was not on an active Unemployment Forbearance Plan and the loan was not eligible for an Unemployment Forbearance Extension. I advised the representative that the next plan payment was due XX/XX/XXXX. In addition, I advised that I was still unemployed and according to XXXX XXXX   guidelines ( D2-3.2-02 : Forbearance Plan for Unemployed Borrowers effective XX/XX/XXXX ) the Servicer ( Ditech ) must evaluate the borrower for an extension of the Unemployment Forbearance plan if the borrower remains unemployed during the final month of the Unemployment Forbearance plan. I also advised the Servicer must receive written approval from XXXX XXXX prior to offering an Unemployment Forbearance plan with an initial term longer than six months. 

Unemployment Forbearance payments : PLAN DATE DUE AMOUNT PAYMENT DATE PAYMENT AMT DATE APPLIED 01 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 02 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 03 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 04 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 05 XX/XX/XXXX {$390.00} Not Due Yet *Escrow Shortage payment made XX/XX/XXXX in the amount of $ XXXX Since the initiation of the Unemployment Forbearance Plan there have been multiple servicing issues. The approval process for the forbearance plan took seven weeks to approve. Late fees were assessed although, the Fannie Mae Servicing Guide indicates the Servicer must not accrue or assess late charges to the borrower during the Unemployment Forbearance Plan ( fees finally reversed XX/XX/XXXX ). Forbearance payments ( escrow portion of scheduled payment ) were applied as a payment ( PITI ) on XX/XX/XXXX instead of being held in Unapplied Funds which will create an additional escrow shortage at the end of the Unemployment Forbearance Plan. 

It appears Ditech erroneously cancelled the Unemployment Forbearance due to the Modification Trial Plan Solicitation mailed XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB, On XX/XX/XXXX, I have called Citi Bank to resolve issues in regards to late fees and interest posted on my account. I opened the Citi AAdvantage platinum select card in XX/XX/XXXX, and I have made a purchase of $XXXX on XX/XX/XXXX through a method of payment system in a convention center at XXXX XXXX where the payment was charged without my presence on-site. Normally, we provide our credit card information to the convention center before any trade show begins. Basically, I am not aware of whether there are charges or not on the Citi Platinum credit card. The only way I would know is if the banks send me a statement every month. I have credit cards with Citi Bank for over 10 years and I have so many other credit cards with other banks for over 15 years, and I have never made a single late payment because I always receive a statement. However, I have never ever received an e-statement or paper statement from Citi Bank for this Citi AAdvantage platinum select card. Since this is a new card that I applied in XX/XX/XXXX, I did not have any information about who to pay to and where to pay because I did not receive anything from Citi Bank. This is a completely new card that I applied, and I am not aware of anything since the beginning. Until XX/XX/XXXX when I finally received an email saying that my statement is ready. It is then I know that there is a balance of $XXXX since XX/XX/XXXX, and for 4 months of interest of late fees added up to be $XXXX. I contacted Citi Bank in regards to this issue, and they said they have no fault and I have to pay all of the late fees and interests. To me, this should not be my fault either, and I feel I am treated unfairly as a consumer. If this is not the bank's fault, and this is not my fault, why do I have to carry the fees and interest. It is almost $XXXX! This is very unfair to a customer who has always been loyal and responsible. The most important part here is that I have never received a statement and how am I supposed to know who to pay at the first place? This is a completely new account! I have called Citi bank multiple times, and I have spoken to different representatives, supervisors, managers, but they do not want to solve this issue. It is 4 months of late fees and interest charged to someone who has never received a single statement or notification from Citi Bank.

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 2018-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I have the XXXX Store Card since XX/XX/2015 ( approximately ). I have recently discovered that each month I have incurred a variable fee ( in relation to account balance ) from " XXXX XXXX XXXX. '' Evidently this is a service that can be added to the account so that in the event of job loss, or other significant financial event, the account will be protected from going into default. 

I did not request or authorize this service to be added to my account. 

I have reached out to this company at XXXX on numerous occasions. I have been told that I authorized this service when I opened my account. This is absolutely incorrect. I have asked repeatedly that the company provide documentation to substantiate this claim - they have not been willing or able to provide any proof.

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 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I do not know who they are or where this account or fee comes from, please help me how to remove this fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have never received any information about final bill when I call they have no records of my information to prove that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have sent various dispute letters via certified mail to have this debt validated or to be removed from XXXX. This item has been removed from XXXX XXXX and XXXX   months ago because they couldn't validate the debt. Please delete asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase DDA had 3 service charges of {$12.00} due to my employer removing my direct deposit set-up to my Chase DDA. I called Chase on XX/XX/XXXX to inform them of why the direct deposits weren't coming in and that there is scheduled to be a direct deposit on Friday, XX/XX/XXXX therefore I wanted to see if the {$36.00} in fees could be reversed, bringing my account balance back to a positive {$0.00}. After a long hold on the phone, the representative indicated that he received approval to reverse the fees, which I would see credited in approximately 3 days. 

To my surprise, when I logged into chase.com on Friday, XX/XX/XXXX to view my direct deposit, my Checking account no longer appeared in OLB. I contacted Chase customer service again on Friday, XX/XX/XXXX and they informed me that the account had been closed. When asked why, I was told Chase closed it due to inactivity. When I spoke with the representative I explained that I didn't want the account closed and that the direct deposit of {$250.00} came into Chase on XX/XX/XXXX as planned ( and they confirmed ) so where are those funds and why was the account closed? 

In addition, I recived an e-mail from Chase on XX/XX/XXXX indicating that my deposit account statement was ready for viewing ... when I go to chase.com to view the statement, I can't because the account is no longer listed in OLB - how can they communicate a deceiving practice like this to consumers?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has informed me that I can't make valid charges to a person because I know the individual. This is absurd and I have had difficulty understanding their position. I know many of the people to whom I make purchases and their position is unclear and their representative had difficulty explaining their rules and what the are requesting. I am now being asked for bank statement and they have not informed me of the reason. 

I think the real issue is that they have extended me a large amount of credit and they are now nervous. This is the best that I can come up with. In an attempt to get to the bottom of this, I am also contacting me congressional representatives about this matter. 

Please let me know of any further information that you require. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION WERE DISPUTED WITH EQUIFAX ON XX/XX/2018. I DID NOT RECEIVE ANY FILE BACK AFTER 30 DAYS.

Company response to consumer: Closed with explanation