vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-02 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:
On XX/XX/XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XX/XX/XXXX. Account was paid directly to XXXX XXXX on XX/XX/XXXX and was advised that a supervisor with XXXX   XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XX/XX/XXXX, I was advised by the collection agency that no information was submitted from XXXX   XXXX and that account will remain on my credit report until notification from XXXX XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX  XXXX directly. On XX/XX/XXXX, I spoke with a supervior at XXXX XXXX who advised me that communication was previously sent on XX/XX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with Transunion. However, Transunion states that collection account was verified as correct reporting as of XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX  XXXX concerning account being paid, at which point I stated that I have proof from XXXX  XXXX that account was paid in full on XX/XX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.

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 2017-12-02 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: FL

Complaint narrative:
On XXXX, XXXX, XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XXXX, XXXX, XXXX. Account was paid directly to XXXX XXXX on XXXX/XXXX/XXXX and was advised that a supervisor with XXXX XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XXXX/XXXX/XXXX, I was advised by the collection agency that no information was submitted from XXXX XXXX and that account will remain on my credit report until notification from XXXX XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX XXXX directly. On XXXX/XXXX/XXXX, I spoke with a supervior at XXXX XXXX who advised me that communication was previously sent on XXXX/XXXX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with XXXX. However, XXXX  states that collection account was verified as correct reporting as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX XXXX concerning account being paid, at which point I stated that I have proof from XXXX XXXX that account was paid in full on XXXX/XXXX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
Prior to XXXX, I was on an income-based repayment plan. When I had to submit documentation for renewal, they refused to accept it and my first notification was months later when they demanded payment that well exceeded my total monthly income. When contacted, they played word games and demanded specific wording to process my XXXX. I provided such, and was notified yesterday that I had new documents, but was unable to access them as there was no link on their website to do so, and the direct link in the email dropped me at a landing page. 

Today I got another demand for payment with a link that finally allowed me to view the documents, which apparently were about a refusal to process my XXXX as now that they had my documentation explicitly for the renewal of my XXXX, they claimed I did n't request an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX our family was relocated to XXXX for my husband new job. During this period we was already beware a loan modification process of our house in Puerto Rico with XXXX XX/XX/XXXX. On XX/XX/XXXX SPS the organization that XXXX XXXX  use to manage their mortgage accounts finally approved our loan modification. We signed it on XX/XX/XXXX. On XX/XX/XXXX our realtor recommend us the short sale option to sale our house because Puerto Ric 's economy situation was too unstable and this option give us a better opportunity to sale. The agent also told us about a client who was interesting in the property. Immediately we call to SPS to expose our opportunity to sell with a pre-approved loan of our recommended agent 's client. SPS told us that to use this method our loan need to be late on payments. They also told us that they can consider the proposal and that during the proposal examination process ( 90 days ), we do not have to make payments. After that they accept the short sale proposal examination process, but they also delete our loan modification unilaterally, even when this was already done. This first short sale process never finish because SPS was very slow in the entire application review ( almost 4 month ) and our client just denied. After the process with our first client we start over again to make payments as they told us, in XX/XX/XXXX and for a regular quantity, {$1100.00}, without modification plan payment as SPS tell us. In XX/XX/XXXX another client was presented to the SPS with a new proposal. SPS accept the analysis to this new proposal and told us about the new 90 days period, stopping our payments during this period again. After almost four month, during the first week of XX/XX/XXXX, SPS sent a letter rejecting the proposal again without any explanation. They just said that the lender did n't accept the quantity and never told us who is the lender of the mortgage. So until today we did n't know who is the investor of our mortgage and what they expect as a reasonable price for the properties. The quantity submitted in the proposal was the recommendation of the realtor using the sold properties around our community.The same client that is very interesting in the property and have a approved loan increase the quantity of the proposal and the realtor decrease her commission and in XX/XX/XXXX their new proposal was send to SPS again. XXXX  this organization until today XX/XX/XXXX did  n't give us a respond and our client is getting tired to wait again. SPS even when stop our payments during their Short Sale verification processes report " our delay '', to the credit bureau. Please help us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX ( XXXX ) XXXX Bank of America Attention :  XXXX XXXX XXXX Chair and Chief Executive Officer/ Customer Service Department/XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX XXXX : Reonveyance of Property at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Dear XXXX XXXX : This is a Notice, in lieu of a complaint at this point and time. 
Thank you for the affirmative steps youve taken to aid in the possession of our property. 
Pursuant to our ownership rights, as corroborated by your Companys recording of : a ) Substitution of Trustee, ( XXXX ), XXXX/XXXX/XXXX and, b ) Reconveyance recorded on XXXX/XXXX/XXXX ( XXXX ) c ) Substitution of Trustee and Full Reconveyance ( XXXX ), recorded on XXXX/XXXX/XXXX ) d ) Preempting the Trustee Deed recorded on XXXX/XXXX/XXXX, and, e ) Replacing it with, the Full Reconveyance ( XXXX ) : We are informing you of our action to reclaim possession immediately. 
For a smooth transition, as the Trustee, I will expect your cooperation in retrieving access to the property by : 1. Surrendering the Keys to the house to us, by mail, or providing a location for me to pick them up, or, 2. Advising the current Holder of those keys either to : a ) Mail them to your office, or, b ) Mail them to us at the above address If I have not heard either from your or the former managers by XXXX/XXXX/XXXX, I will pursue action to change the lock ( s ). 

Sincerely, 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 2017-12-02 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I just relieved a notice from Chase that my Chase Saphhire account interest rate will go up at the end of XX/XX/XXXX ( XX/XX/2018 ). My current rate is 13.24 % and the new rate is 16.99 % - both variable. Here is my complaint : The notice that was sent, which I know is likely the least needed that is required, appears to be junk mail, and gives a very unclear understanding of what is occurring with the card rate. Although it clearly states what the NEW RATE will be, come XX/XX/18, it does not mention at all what the CURRENT RATE is, nor the what the INCREASE will be. It does not even state anywhere that the RATE IS INCREASING, and could easily be mistaken for a DECREASE in variable rate. I believe very strongly this is a form of deceptive practices that will prey on other consumers. There is no good way for a consumer to just what is fair if they are not being told clearly how their terms are changing. While I am sure the Bank ( JPMC ) would argue that a consumer needs to know their current terms, consider someone like myself who has had this card for at least 8 years or more, and hears % rates constantly for all sorts of reasons. I do n't remember, and I fear for older card holders and those not as able to recognize what is occurring or who may not understand that terms are allowed to change. I believe that JPMC could at least have been transparent about the change from OLD TERMS to NEW TERMS rather than just stating what NEW TERMS will take affect. Please communicate this problem to them clearly. I have spoken to their customer service about this problem but likely they will not do anything for which they are not explicitly required. Sending the notice in this drab legalese type B/W format, while XXXX knows any advertisement would be full of color and glossy with pretty photos, is obviously also an attempt to disguise the change and have consumers ignore it. It is a shame XXXX XXXX must n't be rich enough he has to take advantage of people. He must think consumers and the CFPB are all stupid. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
During the summer, I deposited {$750.00} in this American Express Serve account from XXXX XXXX checking account. In XX/XX/XXXX of this year. I got an email stating my account was being permanently suspended. I could then no longer look at my account on line. So Not sure of balance I called them and was told the account was suspended due to " funding source. '' He would Not explain any further. I then cut my card and wrote to their main office in XXXX XXXX asking for explanation. Received nothing. I believe I had a few hundred dollars on the account. But had n't looked for a time. I called again today and got that it was a fraudulent deposit from XXXX XXXX. After thinking about it, I had automatic deposits of {$75.00} for several years. And, coincidentally, I had to open a new account with XXXX during this time. So, the only thing I can think of is one of those autimatic deposits must have been made from the closed account. What a Poor way to handle a good customer ... ..IF that is what happened, I made a mistake ... .NOT FRAUDULENT EVENT. They did n't even check with me like most businesses. That was Just wrong!!! And, I do n't know If that is What happened!!! And, They said I have No money. How do I know that They difnt keep it for FEES. 
They Just cut me off and added on the phone today " You may never apply for an American Express card '' who would want to!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-02 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened my account in XX/XX/XXXXwith an interest rate of 9.24 %. For the past year the interest rate on my account had been modified to 11.24 %. On XX/XX/XXXX I received a notice that my APR will be increased to 15.24 %. 
On XX/XX/XXXX I called Chase customer service, the representative stated due to market, they have decided to increase my rate to reflect the market. 
Please note for the 10 plus years that I am a card member, all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Opened Capital One QuickSilver credit account XX/XX/XXXX. Never used card, and paid {$39.00} annual membership fee. Closed account on XX/XX/XXXX.  Requested refund of membership fee on XX/XX/XXXX, and XXXX from Capital One advised it would not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I believe I already paid off my medical expenses to XXXX XXXX XXXX XXXX XXXX on XXXX in XXXX Texas. In fact I was confused when paying initially months ago because I was apparently being billed by Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  PA XXXX, XXXX for the XXXX XXXX XXXX XXXX which I do not recall receiving a bill from. 

Needless to say I was skeptical at that time because I never recalled hearing of this company, and XXXX XXXX XXXX XXXX ( XXXX ) never informed me about expecting them to bill me on their behalf. At that time I checked the information on the statement, talked to representatives at both XXXX and Transworld and believed I did sufficient homework to reconcile the charges and they appeared to be legitimate. So I payed the amount and later received a notice from Transworld that I over paid and I believe they sent me a riembursement check. 

Now months later I am getting statements from Transworld again wanting to collect over {$1000.00} without any explanation. I believe I already paid what was due previously in good faith and they are trying to take advantage of me. 

I work long hard hours and I believe they know most people are strapped for time and are too stretched to research ( all over again ) and they hope people will just pay. 

Frankly, I do n't trust them and I am very stretched for time. 
I am willing to pay legitimate charges for sure, but how do I know this billing is legitimate? Its been a while and no one from the hospital has contacted me, and there is scant evidence on the Transworld Statement to even begin to believe the charges. 

There 's no history of past payment so I can not tell if they have done their homework and know if they are trying to charge me for the same service I already paid for. 

I need some help! They need to show me why I owe anyone money. If I sent them a statement out of blue, or to anyone for any reason, why would any rational person or business expect a payment for something that had no explanation for a service that supposedly occurred in the past that you barely recollect and believe you already paid for. This is insane?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: CA

Complaint narrative:
Equifax has been deleting inquiries off my report due to errors and then reinserting these inquiries without legal notifying me of what they have done. I called their customer service number to have all these inquiries removed via section 611 of FCRA about having to be notified within 5 days of any changes to my report but they would not listen to me even though I was telling them I was a victim of their inquiry issue. I want all these inquiries removed. These are the inquiries and dates below. 1 XXXX XXXX XXXX/XXXX/XXXX 2 XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I recently purchased a vehicle XX/XX/XXXX. I purchase this vehicle online through Carvana. At the time of purchase XXXX requires an ACH withdrawal to take place for the down payment. Which was verified account number and about directly with the bank via 3way calling. I was later notified on the XX/XX/XXXX the down payment did not go through. I was told that the account was unable to be located which they verified my account days prior. I was told that I would need to process the new payment either via credit card or send in a certified check. When I checked my bank account I realize I had an authorized charges and had to dispute them. During the process my credit card was canceled and I had to wait for a new card to come into the mail which I was told would only take 3 to 5 business days. I let them know that I could make the payment on the XX/XX/XXXX once I had the funds back into my account and a new card I was told that would be fine I had until the XX/XX/XXXX. With the holidays and I guess US mail service I had not received my debit card as well as the investigation on my account has not been finalized so I did not have the full amount. I borrowed funds over the next few days. As Iwaited for my new card. XXXX was the XX/XX/XXXX and Thursday which they were closed.When I called back Monday XX/XX/XXXX to correct the issue make the payment. I was told that they would no longer except my payment and they were going to repossess my vehicle and put it on my credit. I never received anything in writing I asked to speak to a manager and I was told that I was not be able to speak to anyone per the notes on the account the repossession order has already been sent and I would need to contact the Finance company. When I reached out to the finance company they told me that I would need to reach back out to the dealer. The finance company said they can not discuss anything on the account they didnt talk about and I needed to call back and speak to someone from the Carvana. When I called the dealer back the dealer explain to me that I needed to call the finance company and surrender the vehicle and they would not except my payment. I dont feel that they are being very ethical or acting in good faith as it pertains to this contract. The contract does not start that can refuse payment for any reason l explained that I can provide documentation to from my bank and still no one will talk to me other then tell me to surrender the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief