vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a Capital One Credit Card for 15 years with a $ XXXX  line of credit. I never missed a payment, never was late paying thus I never paid interest. I accumulate XXXX Rewards Points. Recently a purchase of {$70.00} was declined and so when I inquired they advised me that I failed to make the payment of {$70.00} which was silly because from my past 15 year history I have never carried over a balance. Suffice it to say I may not have received the bill or I just missed it. When I phoned in to inquire the lady was very short and so I told her to just close the account.I then called back and spoke with XXXX within 3 days about my rewards points. She said she would review and get back within 5 days. She didnt. I then spoke with XXXX ID # XXXX   the following week and was promised a response within a week. Now on XX/XX/XXXX I get a call from XXXX who says it is now over 30 days and they are refusing to reopen the account. I could care less about the account but feel it is because I have XXXX  points they dont want to give back.Those are my points. They didn't tell me I would lose them and in my opinion it is stealing from me. I would like the points or the cash for them since they failed to tell me I would lose them. Card ends in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Lost my job coming out of college in 2012, so obviously couldn't make many payments on my already predatory loans ( 15.25 %, 11.5 %, 7.25 % ). Asked Sallie Mae if I could refinance or lower monthly payments, they declined abruptly. Said I could go into forbearance to stop payments altogether, but interest would continue to grow. At those interest rates, non-payments would increase the amount of time I would have to make payments significantly.

I entered Forbearance and continues to make as much repayment as I could, but eventually had to go to XXXX  and utilize some of my parents ' assets in order to get a lump sum loan in order to pay off these higher interest loans ( at this point, they were around $ 30k at 15 % when the initial loan amount was somewhere around $ 10k-12K ).

If it weren't for my parents to put assets up for me to get a loan, I would be drowning in student loan debt right now. Not everyone is as lucky as I am, and it saddens me to see a promise of a better life via education be taken advantage of by these greedy companies who pose as someone out there to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
First Heritage has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc.
State: NC

Complaint narrative:
Merchant and Medical Credit Corporation violated the Fair Debt Collection Practices Act, Telephone Consumer Protection Act, North Carolina Collection Agency Act, and other applicable state statutes for its ' continual calling me for someone's else debt which I informed the representative several times that this is a wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
I have never been late on a mortgage payment as long as i have owned a home. Roundpoint Mortgage failed to draft my payment XX/XX/XXXX and then again in XX/XX/XXXX wwhich is adversely affecting my credit. I have spoke to numerous supervisors many times who have said they would correct their mistake and remove the two derogatory items on all three credit bureaus. Now my account has been purchased to another company and Roundpoint Mortgage is refusing to help in the matter after two years of trying to fix and resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Ive been a good customer of Huntington bank for over a year now, rarely have I ever been in the red with them, and I got slapped with a {$150.00} dollar overdraft fee because I booked a hotel and didnt put money in until a couple hours after my 24 hour grace period. Now my account is negative - {$370.00}. I am about to go out of town on business and this cuts into my funds and this is the only bank account I currently have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DEEP SOUTH FINANCIAL SERVICES INC.
State: LA

Complaint narrative:
Deep South Financial Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
My loan was sold to a new servicer effective XX/XX/XXXX. I did not discover this until today, XX/XX/XXXX, and I only discovered it because I noticed the payment I made on XXXX had not yet been pulled out of my account. When I contacted Cardinal financial I was told that the loan had been sold and the payment was returned. They told me they mailed me a notification of the change on XX/XX/XXXX ( which I have yet to receive ). As I understand the rules, they should have given at least 15 days notice. Instead they mailed something out 6 days before my payment date and called on XX/XX/XXXX after XXXX. There was no email or secure communication through the website, despite the fact that I'm a paperless customer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I paid my XXXX payment through my bank 's website as I do every month and they received it on the due date ( payment is due the XX/XX/XXXX of every month ). I was surprised to see a late fee on my XX/XX/XXXX bill so I called and was told that the late fee would be waived. Then I paid my XX/XX/XXXX bill through my bank 's website on the XX/XX/XXXX to avoid the hassle I had the month before. Earlier this week, I started receiving calls from XXXX XXXX. I called them back and they said I shorted my XX/XX/XXXX payment {$33.00} so I needed to pay that plus an additional late fee because the {$33.00} was late. I informed them that the {$33.00} was the late fee that was waived. They said they took the late fee off my balance and I still owed them the additional {$33.00} plus late fees. This did not make sense to me because any time I have been charged a late fee and had it waived it was always waived from the total amount due that month.I was told this most recent late fee could not be waived because they had just waived a late fee. I informed them that the first late fee was erroneous because they had received my payment on the due date. I was basically told they could do nothing and I needed to pay these additional late fees.

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 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Consumers Financial LLC
State: LA

Complaint narrative:
First Consumers Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/2017, I called U S Bank and ask the representative to look and see when was the 2 bill pay checks was mailed. And ask her to stop payments on the checks.

She did only one stop payment. And now I have paid 2 times to the same merchant.

The 1st presentative that I spoke to today. Told me that I could not file a dispute on checks. I called back and spoke to an other presentative today and she said that, I could. 
The fault is on the bank and the merchant employees. And they are forcing fees and payment on me .I would like the employee 's fried for this mistake. Because we do not no to how many others are con out of fees and a double payment to pay bills.

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 2018-05-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I was notified of new delinquent accounts on my credit report, I checked into these delinquencies to find that it was two different collection agencies reporting the same debt for two different amounts ( {$2500.00} & {$980.00} ) as of XX/XX/2018. I am not aware of these debts and have only been contacted by one agency in regards to this debt and asked if they could send in debt validation, in which, I have not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 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: CA

Complaint narrative:
My credit file landed with The Office of Consumer affairs for Equifax due to mix of files with someone else which to this day they refuse to admit it Denied Access to monitor my credit file online by me or any credit monitor agency institution that offer such service by blocking acces file monitor any innacuracies that where the result of a mix file which con they mon taken possession and claim as is their Their reason Equifax is blocking my credit file does not justified why I cant have access? It is done to protect my credit file this is absurd Incorrect information on a credit report Equifax consumer reporting agency investigation incomplete Improper use of my credit report refusing me access to it Being unable to get a copy of a credit score or file ; and Problems with credit monitoring or identify protection services because Equifax putting block on my credit file Variations between the credit scores and is provide to prospect lenders has led to credit harms from this error not been corrected. These harms include those resulting from inaccurate perceptions of my credit worthiness.

Access to credit reports : By demanding rigorous identity authentication questions to which is preventing me from accessing my credit reports.

Problems disputing errors : When reporting problems disputing errors directly with Equifax. In particular with account place on my credit file that o not belongs to me. by their inability to correct inaccuracies my reports with both Equifax and creditor This issue with Equifax has delayed the process when applying for credit, forgoing the opportunity to refinance my house and my car loan delaying a valuable mortgage refinancing.

As a result because of their inability I am been force to apply with lenders who offer less favorable terms instead of having what truly I might qualify for.

higher interest costs get you to risk and the likelihoods of default due to the greater costs and difficulty of making monthly payments can let too and all because Equifax negligence of correcting error.

I have try to have Equifax understand the important for them to respect of my right as consumer they intentionally have disregard it. This rights are guaranteed by federal consumer financial law whether they like or not, if no they need to be accountable I have follow the credit reporting complaint process but let me nowhere once the process was complete, I was dissatisfied with the resolution and the result because they did not follow protocol and in most cases the issue was not fully corrected until they did not longer have an option than to correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
I bought my house in 2003 for XXXX. I put XXXX  as the downpayment. My loan was with XXXX  After more than 12 years paying them, on time, my loan went up. For months I tried to negotiate the loan ( trying to bring the principal down ) because it just went up. I sent them all the letters they requested. Months and months passed and they made all kinds of excuses. Then they sold the loan. I tried to get a loan modification through HUD and a lawyer. The loan modification I got has horrible terms. After paying more than 300K to the various companies, I still owe XXXX plus some late fees!!!! That is not just outrageous but unethical and perhaps illegal. I have been paying XXXX to Rushmore who bought my loan from a horrible company called XXXX which is now being sued. I have never been late in payment but my principal does not go down. Now they have raised the monthly fee to XXXX  which they say it is for back taxes. I did not agree to this as coming up with XXXX dollars a month is a lot of money. I would like to pay the same amount and I would like them to reduce the balance. Why should they be making XXXX percent profit and the homeowner NOTHING. I want them to reply and to come up with a resolution that is beneficial to me and not just to them. I also pay for insurance and HOA which means I can't come up with XXXX extra a month. I would like CFPB to negotiate a better loan with them. I want to own a brick in my houseXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Three transactions were presented at the same time. It was the order in which they were presented and I was charged a {$35.00} handling fee.

The three transactions were onXX/XX/XXXX. {$1200.00} transfer, {$25.00} debit card and XXXX   debit card.

I requested bank to review order of transactions, remove the fee and deny the {$22.00} transaction since it had dropped off the account for two weeks, and then resurfaced. Either don't charge me the fee since all transactions were approved and processed when made, or deny the transaction that came back and should not process.

I did not sign up for banks overdraft on purpose.

I would appreciate your review and see what can be done to return the overdraft fee.

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a phone call XX/XX/XXXX @ XXXX from a private number. The caller stated that she was with XXXX County courts and was calling in regards to a civil suit involving US Bank. When I began asking for specific information about this case she provided me with a phone number and reference number as follows XXXX ( XXXX ) XXXX Reference # XXXX. The caller then proceeded to transfer me to the agency. When the agency answered the phone I provided them with the above listed reference number. I was transferred to a woman named XXXX XXXX. XXXX proceeded to tell me that this case was in regards to an account that I had in XX/XX/XXXX with US bank. She stated that there were 2 separate checks written that totaled the amount of {$2300.00} and that with collection fees and attorney fees the total now exceed {$3000.00}. I then asked XXXX what agency she was calling from and she refused to provide the information. I asked XXXX for an address in which I could mail an inquiry letter and she stated " we are a national company so you are not able to mail however I can provide you with a fax number ''. During this conversation XXXX began to raise her voice and cut me off while speaking. I requested to speak to a supervisor and was told that I could not. When I asked why I was not able to speak to a supervisor XXXX informed me that she was the supervisor. At this time I informed XXXX that if she was not able to provide the information that I needed that I would have to contact a lawyer. At this point XXXX hung up on me. 
After I got off of work at XXXX I called the agency back. A gentleman named XXXX answered the phone and after providing him the reference number XXXX informed me that XXXX had left for the day and would return tomorrow. I asked to be transferred to XXXX 's supervisor and he stated that XXXX 's supervisor was also out of the office. I asked for XXXX 's supervisors name and he stated that he was not permitted to provide this information and hung up on me again. Both instances in which I was hung up on there was no warning regarding termination of the call. I have since been calling the above listed number multiple time XX/XX/XXXX and have only gotten answering machine. The message that is recorded does not provide information on what agency I have called and I am unable to leave a voicemail as the mailbox is full.

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 2018-05-04 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: NM

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX  credit card with XXXX XXXX XXXX XXXX.

Application number XXXX XXXX and was denied. The following letter, XX/XX/XXXX, states " For unsatisfactory or unverifiable information '' I called the number given me in the letter to XXXX  and the rep.could not give me a specific reason, not one! and suggested I contact Equifax and get a credit report. TodayXX/XX/XXXX, I tried, on line to obtain a report and even with my old report in hand, apparently did not answer the questions correctly (? ) Then I called the number given me on the Equifax website, went through the question process and then I was told I was unable to get a report! and then was disconnected! I have dealing for over a YEAR with some unknown issue with my credit, even after, with a great deal of effort and your help, removed a " Extended Fraud Alert '' even after all this I am denied credit! XXXX XXXX has my credit rating at XXXX!! Why is this hapening to me?? For God 's sake I think at an XXXX credit score I should have companies falling all over themselves to give me credit instead of treating me like a leaper!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion report shows an account change made on XX/XX/XXXX obtained through 3rd parties. I received an alert from XXXX XXXX   about changed account reported by TransUnion stating dispute was resolved. On XX/XX/XXXX I received an alert from XXXX a collection account was reported by XXXX with a credit limit of {$2400.00} opened XX/XX/XXXX. The reporting source was TransUnion.

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 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Designed Receivable Solutions, Inc.
State: NV

Complaint narrative:
I been trying to work with " Designed Receivable Solution Inc. '' for the past month and a half. I spoke with a man working there and explain my problem and ask the man why that company was sending negative and false inaccuracy reporting to all three major credit bureau. I was never given a clear explanation why this third party collection agency was reporting bad and false information. I don't owe " DRS '', any money or anything else. This matter was handled/discharge in US BKPT Ct CA XXXX XXXX 2013. Why " DRS '' did what they did was unlawful. I am not obligated to them for anything.

Company response to consumer: Closed with explanation