vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
An account was opened for me XX/XX/XXXX. At that time I was in the process of repairing my credit. My credit score was in the low XXXX and I had filed a Bankruptcy. However, I was given a card. In the 2 years that I have had the card, I have paid on time and my limit has been increased. However, in XXXX of this year ( XXXX ) I called the store to see if i could get a XXXX XXXX with the card. I had cut the card up after XXXX in an effort to pay it off..However, they told me I would need the card and asked if I wanted another one. I said no, I'm trying to buy a house, so that was OK. The next month I got a letter saying they had decresed my limit, based on my credit report. My credit score is now XXXX and all the accounts in my name have paid been paid on time. The decrease in the limit has lowered my credit score. Can they lower my limit for no valid reason, other than I didn't want another card?

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 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Worldwide Processing Group, LLC
State: CA

Complaint narrative:
I received a voicemail at work and on my cellphone from a person name, XXXX. I did some research and found she is from a place called Forward Movement Recovery. Message left stated she was trying to locate me for tracing efforts. The message is also stating if they are unable to make contact with me they will take other means to contact all my references to locate me. The messages is threathening and does not say what it is regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Yes thank you! .. Ive been trying to pay on the phone as XXXX compass bank said _last month that they had an internal/technical problem with the XXXX app.. however my complaint is I tried to pay with my XXXX bank on my current account _this month before the due date ( & previously ) as usual.. 
Recording ; _no operators available to take your call! _ Ive tried now three days and get a recording to leave my telephone number for _call back when they arent so busy__ I did <ph # can only leave it once> this is crazy.. now a late fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I borrowed approximately {$10000.00} on XX/XX/XXXX for a Term of 67 months from SANTANDER CONSUMER USA through a car dealership in XXXX, Vermont. I was given fraudulant information from the dealer, they gave the wrong VIN # and Santander approved the car loan based on that information. 
On XX/XX/XXXX Hurricane Irene hit, I lost everything. I was listed with FEMA as a catastrophe victim. When I went to trade my car in for a less expensive vehicle, as then I was homeless and broke, I learned of this fraud. The car dealer ran the VIN # and showed me how the car was worth XXXX dollars. 
I wrote Santander, called them and I could not get anyone to go off script and to help me to do the right thing. All I wanted was advicew from the legal department. 
I was homeless and broke and Santander would not allow me to deal with their legal department. I called and emailed them and got nothing. 
After months of trying to resolve the issue I left the keys in the car, and I left the car on the street in Washington, DC. I called Santander to tell them I was doing this, and still, I got no response other than, you need to pay your bill. 
Now it is XX/XX/XXXX and I would like to apply for a loan to buy land and a small shelter. Still I have Santander on my credit report looking like I just decided to stop paying for my car. 
I feel this is a false representaion of my credit record and with my wanting to do the right thing with Santander. I wanted to proceed with a case of fraud against the dealer. I needed Santander to help me with this, but all I could get was scripted Customer Service Representatives. It just breaks me that all these years later Santander is still on my credit records, misrepresented as the victim of a default. 
They are in the business of lending money it is their responsibilty to help a customer when fraud like this occurs. yet they were completely inaccessable to me. 
I was broke and homeless from a hurricane and they just wanted their next payment. 
What made matters worse forme was that my only FEMA emergency funding was {$1200.00}. That is what I walked away from after Hurricane Irene. I could not organize myself to start a suit of Santander or the dealership at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of Limitations and FDCPA. I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. To date, I never contacted nor authorized XXXX XXXX XXXX XXXX nor Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me. 

XXXX XXXX XXXX XXXX XXXX XXXX is an assignee who can not produce any information referencing collecting on time-barred debt in PA nor furnishing documentation giving them authorization from the original creditor ( XXXX XXXX  ) that they are the note holder and authorized to collect on a debt that was charged off. XXXX, XXXX XXXX, Specialized Loan Servicing , XXXX XXXX XXXX XXXX, XXXX has violated FDCPA by not responding to my debt validation letter within 30 days under the FDCPA and The Law Firm ( while ignoring my concerns addressing the FDCPA ) contuie to forward me letters stated that I must pay an inflated debt with 15 days being XX/XX/XXXX or they will proceed to foreclose. From my understanding of the FDCPA a consumer is given 30 days notice. Secondly, the letter from the Law Firm is confusing and misleading by stating information referencing foreclosure. 

Please note others who are complaining about being forced into foreclosure with any remedy to justify a debt that was charged off. Please view : 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 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX reported that on XX/XX/2018, an inquiry to my credit file was made by : XXXX   XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, NJ XXXX This alert was conveyed to me by XXXX - through XXXX XXXX. 

Upon research, the XXXX XXXX XXXX ( XXXX ), which referred to the company as XXXX XXXX XXXX, had rated this company with an " F '' and indicated that there were 50 complaints against the business. Further research revealed numerous consumers documenting online at various website about multiple inquiries to their credit file by this company even though they had not applied for a mortgage.

I also did not apply for a mortgage on XX/XX/2018 nor have I had any business in the past with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

Experian continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

Experian has not provided this consumer with the information of Who verified these accounts and HOW these accounts were verified by virtue of documentation containing my signature binding me to these negative accounts. 

Experian is now in violation of the FCRA and continues to be in noncompliance.

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 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I filed a claim for unauthorized ATM transactions on my Bluebird American Express account. The claim was for $ 3k+ in fraudulent transactions. They research for one whole day before declining my dispute. The reason they gave was there was no error. No other explanation. I dont think they even researched my claim. Also, Ive previously sent them two dispute letters and they claim they never received them. I dont believe that for a minute! They just dont want to honor their zero liability policy. Im including the original letter I sent to them. The transactions are as follows ... 

XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$700.00} XX/XX/XXXX for {$700.00} XX/XX/XXXX for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I requested via on-line form that Experian place a credit freeze on my account due to the XXXX data breach. After completing the form and submitting it, the web response was that my request could not be completed on line and that I had to send in a mail request, a request that had to include documents confirming my identity, which of course were also subject to data theft via mail diversion. I requested in my letter that I be informed as to why my freeze request could not be processed on line. I received a letter from Experian noting that my freeze had been placed, but no answer to my question regarding why I could not establish a freeze on-line. On XX/XX/XXXX of this year, I wanted to have the freeze temporarily lifted in order to apply for a credit card. I completed Experian 's on-line form requesting a temporary lift, which included my credit card info for a {$5.00} charge, and submitted the form. The next screen informed me that my request could not be completed on line, but had to be mailed, once again including social security number, utility receipts, my freeze PIN, DOB, copy of license, etc. All info subject to mail diversion/theft. I have tried calling Experian at least 10 times using various numbers ( XXXX XXXX XXXX ) ; during none of these calls was there ever an option to speak to a live representative - only multiple voicemail options with instructions followed by a hangup. The requested information was mailed to XXXX on XX/XX/XXXX by certified mail. It arrived in XXXX TX on XX/XX/XXXX but was not delivered to XXXX until XX/XX/XXXX. Experian states mail requests will be honored within 3 days. It is now XX/XX/XXXX and I have received no information from Experian that my freeze has been reversed. It seems impossible to check freeze status by internet web service or by phone ( yes, multiple failed attempts again today ). 
It is unconscionable that a company whose business model is to profit from my personal financial data without my permission or recompense to me would not provide a readily accessible means to speak to a customer service agent in order to get a question answered, and would not answer a specific written question about freeze services. This is obviously deliberate on their part ( multiple similar complaints in on-line and social network forums ).

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 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
Prestige Financial out of XXXX XXXX XXXX Utah sold my car after I did a voluntary repo. They are now trying to sue me for over {$16000.00}, reported on my credit and that car is not even worth XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

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 2018-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: AZ

Complaint narrative:
I have taken out loans through Rosebud Lending ( d.b.a. XXXX  ) in the past but I was unaware these loans are illegal in my state of Arizona where I am located. The interest on my loan is more than 500 %. I have already repaid the initial balance and interest ( more than 130 % of the original balance within 2 months ). I would like this loan to be voided since it is illegal in my state. I am not, at this time, seeking a repayment of the thousands of dollars I have already repaid under previous illegal loans.

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 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I purchased a home for $ XXXX in XXXX. I put down a considerable amount leaving me a mortgage balance of $ XXXX. I am on XXXX retirement from the USPS. 
In XXXX-XXXX, I began to contact B of A to see if I could have a loan modification as my wife lost her job, her mother, who lived with us after my daughter was born in XXXX, had passed away. From this time till XXXX, B of A gave me the runaround! I had several employees who were my workout representative and after a new employee was assigned it seems that I had to re-fax in my paperwork and Hardship Letter all over again. I kept notes with dates, whom I spoke with etc.. 
I was actually told that they could not do anything because I hadn't missed a payment yet! 
So now payments were missed in XXXX continuing into XXXX. We had to turn in my wifes ' vehicle, sell furniture and other items just in an attempt to make ends meet. 
I received " foreclosure notices, '' and eventually had to file a Chapter XXXX, in XX/XX/XXXX, because we couldn't meet all the bills and the mortgage. 
Obviously, our credit was shot and FINALLY, B of A approved a loan mod for us. However, this loan mod was not the best by no stretch of the imagination! The interest rates at that time, in XX/XX/XXXX, were very low hovering around 3 %!! My balance at the time this all began was {$220000.00} at 5.875 %. So, in their infinite wisdom gave me a loan mod at 4.625 %, with a hefty balance of {$230000.00} ( adding in missed payments ) and the new term is 40 years!! Are you kidding me??!! 
Presently, I am making payments but there will be a time in the very near future where I may be  unable to meet my payments again. 
I would like to see an adjusted balance or some hefty compensation for B of A dragging their feet, actually informing me to miss payments and then forcing us into a Chapter XXXX. I hope something positive comes of this. 
I have my detailed notes, even some telephone recordings, as I am allowed to do in AZ. They made our lives very stressful to say the least.

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 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Services, Inc.
State: FL

Complaint narrative:
This was from a Doctor in California. I provided all of the necessary insurance information as well as XXXX XXXX Account ( XXXX ) information for them to take care of any bills that may be mine. To my knowledge I did not have a balance. I was never contacted by the Doctors Office or informed i could dispute. 

Now it has popped up on my credit report and I have been receiving an overwhelming amount of harassing phone calls in an attempt to collect on a debt that is not valid/ was created out of negligence from the doctors office. The phone calls need to stop and this debt needs to be removed from my account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I use a number of financial management applications that leverage fully legal financial aggregation services to pull my checking, savings, and credit account information together. Over the course of the last month, Capital One has taken an active role in blocking my ability to use these 3rd-party services with my data stored in Capital One 's systems.

I am filing this complaint in response to discovering that this was not just impacting me, but all Capital One customers -- My financial data is my own and I should be permitted to use my data however I so choose, not just in the prescribed, highly restricted access Capital One offers.

In calls with Customer Service, I was told that this restriction is put in place for my own protection, however that is not Capital One 's place to be able to make that distinction -- I get to choose where I bank, how I bank, and with whom I share my banking information. I get to vet the security of a given service not Capital One 's one-size fits none approach they have taken by blocking all 3rd party access to my financial data, be it through financial aggregators like XXXX, or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient offers a .5 % discount per each loan that is scheduled for auto repayment. I recently realized that my discount was " disqualified '' so I called Navient to determine the reason why they were not applying that discount to my accounts. I must note ( prior to discussing call with company ) that per their website, under " Loan / Borrower Benefits '' the option is direct pay and their is an information button next to it which includes the following information " while in active repayment '' ( 1 ) I am currently in active repayment " you receive a .5 % interest rate discount for making payments via Auto Pay '' ( 2 ) I  am making payments via Auto Pay. So I was perplexed to see that the status of the discount was " disqualified. '' So on the phone with Navient I spoke with XXXX ( spelling?? ) and inquired about the disqualification. I informed her that I was in active repayment and enrolled in auto pay. Which she confirmed that my next automatic payment was XX/XX/XXXX. She stopped talking as if that was the end of the conversation and the answer to my question. So I reconfirmed with her and said so you have confirmed that I am in active repayment and on auto pay, then why is the status of my .5 % interest rate discount " disqualified '' with that question she confirmed the reason I am disqualified is due to insufficient funds. So I asked her when funds were insufficient and she confirmed XX/XX/XXXX. So couple problems here. No where in the documentation available online or the information lists that it is possible to be disqualified from the interest rate discount ( but as mentioned above completely opposite - 2 sets of criteria are required. Active repayment and enrolled in auto pay ). Second problem is that the insufficient date she mentioned is over 1 year ago, and that there is no specific time frame to allow me to be qualified for the interest rate discount. I find this very predatory. They should indicate in writing that there are penalties that would " disqualify '' from the interest rate discount. I find this unnerving that my {$33000.00} dollars of loans with them are disqualified from an interest rate discount because I had the unfortunate incident of insufficient funds over a year ago. Please assist in getting this corrected as again I believe this to be predatory and illegitimate.

Company response to consumer: Closed with explanation