vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 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: U.S. BANCORP
State: MO

Complaint narrative:
I own a small business and, our business has been using US Bank Credit Card for over 10 years. Our company has always paid the full balance or the minimum balance required by the credit card terms and conditions. However, our business took a downturn in XX/XX/2016 with unexpected drop revenue and change in the market place. 

We haven't been able to recover thus we have not been able to make the full payments to the credit card. 

Since XX/XX/2016 the US Bank Credit Card started to increase our interest rates from 13 % to 24 % APR. and 29 % APR thus costing us a lot more to make the minimum payment and sequentially our ability to eliminate the debt. Furthermore, they allowed our credit card to go over the {$6000.00} credit limit causing our account to incur additional fees per cycle. 

I spoke with the credit card stating we didn't want our credit to be expanded if we didn't have any additional credit and also to return the {$39.00} fees assessed to our account and Indeed they did. however, they continue to add the fee each and every cycle. 

First, we have paid our credit card for the last 13 years. We should not be penalized our interest rate increased 10 points on the Apr. It's simply unfair and predatory. 

Second, if the credit granted we should not be charged the recurring {$39.00} over the limit fee. In both instances, it not because we are not paying our bill on time it is simply trapped to charge our account additional fees. 

I would like a comparable credit to our account our ability to fairly negotiate the debt so we can move our business forward. 

sincerely XXXX XXXX XXXX XXXX XXXX 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 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am attempting to sell the home that was granted to me through a will from my father. Over the past 2 months I have made several attempts to provide the information they need in order to discuss the loan and be provided with a pay off amount for the title company. I have hired an attorney, and I have had no luck communicating with this mortgage company. The home is under contract and set to close on XX/XX/XXXX. The title company and the law firm doing the closing have also requested payoff information and this bank refuses to provide us with the necessary information and amounts in which to pay off and satisfy this mortgage. This is a last resort in order to attempt to find a way to fully pay the debt that is owed on this house. 

Please note I have been working on this since XX/XX/XXXX. 

We have attempted to supply all information the bank has requested on multiple occasions and they refuse to confirm and/or acknowledge that they have received the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: MD

Complaint narrative:
Ive been contacted by ERC telephonically but they will not identify the supposed debt without me providing them with information. To my knowledge I have no outstanding accounts. I was contacted by them some months ago but they had my phone number and address and a different name. I advised them of this and now the calls are starting again but I havent received any written communication so that I can assess the validity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: OR

Complaint narrative:
American Express is repeatedly calling me for a debt owed by someone else. Over past 4 or 5 yrs they call my number asking for someone by the name of XXXX XXXX XXXX XXXX ( spelling phonetically ) is the debtor I keep asking them to stop calling they repeatedly tell me they are removing my number and they say they will but I just received a call from them 2 days ago. I am tired of being harassed for a debt that is not mine, nor do I have any information about this person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has not properly done an investigation of this matter. I have submitted proof that this report is not mine and they still fail to delete it from my records.

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 2020-02-20 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
XX/XX/2019 was contacted by Navient because my loans were out of wack. 

I have 3 loans, the lady continually said all 3 loans are covered and for XXXX a month we will take out two separate charges and all 3 loans will be in good standing ...

Fast forward 6 months and they say 1 loan has not be attended too and Im 3-4 months behind.. I asked about what I was previously told and was acted like I was a lair..

Finally a supervisor said she would review the call and get back to me a week later ... .no one ever called me back so I called and it was the same XXXX ... 

They reported to me credit and are claiming my loan will be in default when I have been lied too the entire time. 


They have constantly messed up my loans, changed the rates on them, and generally rude and abusive with their tactics ... its truly unfair and not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian has been authorizing 'Soft Inquiries ' on my account to sell my information to 3rd party lending companies despite being registered on the do-not-contact/opt-out permanent listing for the last two years. This is in direct violation of the FCRA. Experian offers no mechanism through their web site to dispute these 'Soft Inquiries ' and confirm your status on the permanent opt-out listing ( already confirmed with the two other credit reporting agencies ). However, Experian 's violation was confirmed through their online dispute process by showing the vast number of these 'Soft Inquiries ' that were actioned against my credit report.

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 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE LENDERS OF AMERICA
State: MA

Complaint narrative:
I closed on a conventional mortgage with XXXX XXXX XXXX, XXXX ( XXXX ) on XX/XX/XXXX for a single family home. In late XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating my loan had been sold to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and that payments beginning in XX/XX/XXXX must be made to XXXX  ; the letter also stated that my payment due XX/XX/XXXX should be mailed to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. A payment was submitted via XXXX  XXXX XXXX online bill pay which arrived on XX/XX/XXXX. In XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating my loan had been sold to XXXX , XXXX . ( XXXX ). In late XX/XX/XXXX I received a statement from XXXX dated XX/XX/XXXX indicating that my payment due XX/XX/XXXX had never been received and that another payment would be due in XX/XX/XXXX. I called XXXX at XXXX on XX/XX/XXXX to discuss the discrepancies on the XX/XX/XXXX statement and spoke with a representative named XXXX ( no last name was given ). She said that the XX/XX/XXXX statement erroneously reported the XX/XX/XXXX payment would be due, and that I should not make that payment to XXXX. She also stated that she had no record of the letter dated XX/XX/XXXX indicating that my mortgage had been sold to XXXX, and that I should be paying XXXX ( I later learned independently of XXXX that XXXX is a subservicer of XXXX loans ). Further, she stated that my XX/XX/XXXX payment to XXXX should not have been sent to XXXX XXXX XXXX # XXXX, XXXX, IL but that it should have been sent to XXXX XXXX XXXX, XXXX, PA XXXX as indicated on a statement I received in late XXXX, several weeks after my payment was due. She informed me that my payment would not be considered past due by my new mortgage servicer ( XXXX/XXXX  ) and that I should not send any more payments to XXXX because they would be received after XX/XX/XXXX, when XXXX/XXXX  took over servicing of my mortgage. Based upon that conversation I did not send any further payment to XXXX. I had already paid my XX/XX/XXXX payment to XXXX  via ACH transfer on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating that I was past due on 2 mortgage payments, due XX/XX/XXXX and XX/XX/XXXX, respectively and that XXXX has " a right to invoke foreclosure based on the terms of [ my ] mortgage contract ''. I have not been able to reach a customer service agent at XXXX regarding this latest letter but at this point I have no confidence that XXXX can resolve these continued errors without outside intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a two-letter first name, XXXX XXXX XXXX. Experian 's credit report for me lists my used names as " XXXX XXXX '' and " XXXX XXXX ''. XXXX is not and has never been my first name ; it is my middle name. After several frustrating calls in which they claimed that this was the name being furnished to them by my accounts ( it isn't ), they finally admitted that " their system can't handle two-letter names ''. This is an invalid excuse for KNOWINGLY providing an inaccurate name on my credit report. Additionally, because of the name mismatch, they are not including some of my accounts that I know send data to Experian on my report, such as 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 2020-02-20 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: MO

Complaint narrative:
On XX/XX/XXXX I sent the following information to Transunion. These XXXX loans were discharged due to total and permanent XXXX and I am not liable for them and they should have been removed. XXXX   removed them XX/XX/XXXX. XXXX removed last month on this same dispute however Transunion still sends back verified or updated. This letter was sent along with proof of the discharge, proof of the other removal ( attached ) and has been sent multiple times over the last year and it seems like thie request isn't even read and properly taken care of. This was the XX/XX/XXXX letter ( also attached ) ... 
These old closed accounts are duplicates and Im being reported for derogatory accounts that are no longer derogatory. These 8 original accounts are first reported by DEPT OF ED / XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and then also reported by US DEPT OF EDUCATION account numbers of XXXX , XXXX , XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have been consolidated and duplicated into four new accounts first reported as DEPT OF ED / XXXX account numbers XXXX and XXXX and then also as DEPARTMENT OF EDUCATION/XXXX/XXXX account numbers XXXX and XXXX. These accounts have all been discharged due to total and permanent XXXX and need to be deleted. I have sent this information in for over a year and it appears that this has not been read and deleted as it should. I have sent the proof of discharge as well as the fact that XXXX has deleted all of these accounts for the same reason and needs to follow suit as these accounts are not liable to me and need to be deleted.

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 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vericred Solutions LLC
State: FL

Complaint narrative:
A company called Vericred Solutions just reported a collection debt on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recoveries, Inc.
State: WI

Complaint narrative:
Reported it to credit bureaus only XXXX has removed them, sent court documents, hired attorney to stop garnishment unconditional release of garnishee was signed dated by plaintiffs attorney XXXX on XX/XX/XXXX, financial recoveries inc after unconditional release signed again is trying to illegally garnish my wages, they have falsified documents to XXXX and XXXX   saying this is a creditor who hired them when this is a small claims case for eviction back in XX/XX/XXXX, when I requested from them meaning financial recoveries how they got this they refused to say exactly how they got this, when asked to show documents if hired by the XXXX XXXX they hung up the phone, they have stolen from me over a {$1000.00} never reported it to the credit bureaus nor have they sent any money to the courts like they are to when it comes to any and all court order judgements

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: NAVY FEDERAL CREDIT UNION
State: VT

Complaint narrative:
Navy Federal Credit Union offered a zero percent interest on balance transfer to my credit card. They hid the promo rate expiration in a separate box on my credit card statement, creating two " interest charge calculation '' boxes. The important box was on the last page of the statement after all the fine print. While the main page showed my balance would be treated as 0 %. They then told me when I asked about the extremely deceptive interest charge calculation, that the 0 % does not work like other balances and would be given 0 " grace period ''. So basically they hide the needed information, I paid the balance in full before the next statement, but they still charged interest on the amount even though the prior statement showed 0 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent the following information to Equifax. These XXXX loans were discharged due to total and permanent XXXX and I am not liable for them and they should have been removed. XXXX   removed them XX/XX/XXXX. I received a notice from my credit monitoring that Equifax removed the accounts but then they were reinserted back on to the report which should NOT have occured. This letter was sent along with proof of the discharge, proof of the other removal ( attached ) and has been sent multiple times over the last year and it seems like this request isn't even read and properly taken care of. This was the XX/XX/XXXX letter ( also attached ) ... 
These old closed accounts are duplicates and Im being reported for derogatory accounts that are no longer derogatory. These 8 original accounts reported by US DEPARTMENT OF EDUCATION account numbers of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have been consolidated and duplicated into two new accounts reported as DEPARTMENT OF EDUCATION/XXXX/ account numbers XXXX and XXXX. These accounts have all been discharged due to total and permanent XXXX and need to be deleted. I have sent this information in for over a year and it appears that this has not been read and deleted as it should. I have sent the proof of discharge as well as the fact that XXXX has deleted all of these accounts for the same reason and needs to follow suit as these accounts are not liable to me and need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX, I had a vehicle repossessed because I could no longer afford it. This was a voluntary repo. I only received a letter from the original creditor, XXXX XXXX XXXX, dated XX/XX/XXXX, that they " had my car and intended to sell it at a private auction. '' This was the last communication I received about this matter. Fast forward to XX/XX/XXXX, I received a call from my employer at the time that an unfriendly person was trying to find me, but they refused to say why, only that " it was personal. '' From what my employer said, this person was very aggressive and they had to ask him to leave. I contacted the police, fearing for my safety, and through several communication with law enforcement, I found out who the person was, and that he was a process server trying to serve me something. XX/XX/XXXX, I contacted the process server 's employer, XXXX XXXX XXXX, who told me they were hired by Sentry Credit and had no other information. I contacted Sentry Credit and  asked them what is going on. They only told me they had a debt in their office. They never contacted me prior to that conversation. I asked them to send me all documentation regarding the debt, including all letters that were supposedly sent, so I can verify the debt. Almost a month later I received a packet from them dated XX/XX/XXXX. No where in this packet was a letter about a debt in their office, or giving me the option to dispute the debt. XX/XX/XXXX, I received the paper they were trying to serve me, and it was a court summons for 20 days, dated XX/XX/XXXX, stating that they were suing me in court. I contacted sentry credit around XX/XX/XXXX or XXXX, and asked them why they were doing this, and they did not say. I attempted to ask them to give me a court date, but she only said that I didn't need to go. I offered to set up payment arrangements to stop this process, and she refused. both times I spoke with Sentry Credit, I spoke with XXXX XXXX. I do not know the name of the individual at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: MO

Complaint narrative:
On XX/XX/2019 I sent yet another dispute to Transunion because these two accounts were reporting as the same account. These accounts had already been investigated and deleted by XXXX   as they were unable to be validated but Transunion continues to update and validate. I have requested Method of Verification in the past and not received results just another updated dispute, I have attached proof of the XXXX deletion as well as the last dispute letter. 
In XX/XX/2019 I received a response from XXXX   stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s XXXX/XXXX XXXX XXXX XXXX XXXX XXXX ( Same 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 2020-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, a Mr. XXXX XXXX received {$1400.00} from my checking account, despite my knowledge or consent. Before that, someone locked my debit card at XXXX. I called BoA within a couple minutes of waking up at XXXX to resolve the transaction. I was forwarded several times and finally told a case was opened, a new checkings account would be set up, my online id and password would be changed, my checkings account will have XXXX withdrawn from it, and to wait 10 business days for the results of the case. Even after the entire time I spent with BoA, the transaction was still " processing ''. I went to visit the bank in person to talk about what happened the day after, because my parents had money from their account taken as well, and were able to get it back within that day. I got the case back on XX/XX/XXXX, XXXX XXXX  and was not refunded my money because I had apparently authorized it. I tried to reopen my case and went to the local BoA again on XX/XX/XXXX, and the representative let me call the Fraud services while in his presence. He recommended I ask if opening a police case would work and nothing was resolved apart from BoA saying I could do that and they'll have to send me the paperwork for the report and fax it to them. I never got the paperwork in email or physically. I left the physical bank and called BoA later in the day and set up a 3-way call with my mom and the BoA representative. My mom and the representative discussed my case and they concluded that they will reevaluate the case and respond back by the end of 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