vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On   XXXX   XXXX   XXXX     I was to go to  XXXX , Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is   XXXX   XXXX   XXXX   XXXX   XXXX  . I was on my way from  XXXX ,  MS to  purchase a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and  XXXX  could pack his desk and leave. My son  XXXX  then called me and told me to turn around they did not want my business and I asked to speak to  XXXX  the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit.   I then come home and checked and sure enough on   XXXX   XXXX   XXXX     they checked my credit without my consent or signature. There are several hard inquiries on there now from   XXXX   XXXX   XXXX    . I then contacted the    XXXX   XXXX   XXXX    after they did n't want to speak with me on the phone, and no one returned my call.      XXXX   had tried two atte mpts to resolve the issue, they did n't respond and I received an email on   XXXX   XXXX   XXXX   advising no response and this negative information will be reported fo r three  years for  XXXX   XXXX   XXXX   XXXX   XXXX  of  XXXX , Florida.   I just purchased a car at the current company my son is a salesman at and seen there is still the ones from   XXXX   XXXX   XXXX    .       THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... ....      XXXX  Logo   XXXX   XXXX   XXXX      XXXX   XXXX   Re :  Complaint #  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX  In the absence of any response from the company to this complaint despite ou r two re quests to them, we are closing our file on this complaint.     This unanswered complaint will become part of the information we report to the public on this company for the nex t three year s. Should any government agency request our files on this company, your complaint will be included.     If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate.     Thank you for using  XXXX   XXXX   XXXX .        XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: BBVA FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XXXX XXXX 2017 I was to go to XXXX, Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is XXXX XXXX XXXX XXXX XXXX. I was on my way from XXXX, MS to purchase a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and XXXX could pack his desk and leave. My son XXXX then called me and told me to turn around they did not want my business and I asked to speak to XXXX the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit. I then come home and checked and sure enough on XXXX XXXX 2017 they checked my credit without my consent or signature. There are several hard inquiries on there now from XXXX XXXX 2017.  I then contacted the XXXX XXXX XXXX after they did n't want to speak with me on the phone, and no one returned my call. XXXX had tried two attempts to resolve the issue, they did n't respond and I received an email on XXXX XXXX 2017 advising no response and this negative information will be reported for three years for XXXX XXXX  XXXX XXXX XXXX of XXXX, Florida. I just purchased a car at the current company my son is a XXXX at and seen there is still the ones from XXXX XXXX 2017. THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... .... XXXX Logo XXXX XXXX 2017 XXXX XXXX Re : Complaint # XXXX - XXXX XXXX XXXX XXXX XXXX In the absence of any response from the company to this complaint despite our two requests to them, we are closing our file on this complaint. This unanswered complaint will become part of the information we report to the public on this company for the next three years. Should any government agency request our files on this company, your complaint will be included. If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate. Thank you for using XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 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: SUNTRUST BANKS, INC.
State: MS

Complaint narrative:
On   XXXX   XXXX   XXXX     I was to go to  XXXX , Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is  XXXX   XXXX   XXXX   XXXX   XXXX . I was on my way from  XXXX  , MS to purcha se a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and  XXXX  could pack his desk and leave. My son  XXXX  then called me and told me to turn around they did not want my business and I asked to speak to  XXXX  the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit.   I then come home and checked and sure enough on   XXXX   XXXX   XXXX   they checked my credit without my consent or signature. There are several hard inquiries on there now from   XXXX   XXXX   XXXX    . I then contacted the  XXXX   XXXX   XXXX  after they did n't want to speak with me on the phone, and no one returned my call.    XXXX  had tried  two attem pts to resolve the issue, they did n't respond and I received an email on   XXXX   XXXX   XXXX     advising no response and this negative information will be reported for  three ye ars for  XXXX   XXXX   XXXX   XXXX   XXXX  of  XXXX , Florida.   I just purchased a car at the current company my son is a salesman at and seen there is still the ones from   XXXX   XXXX   XXXX    .       THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... ....      XXXX  Logo   XXXX   XXXX   XXXX      XXXX   XXXX   Re :  Complaint #  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX  In the absence of any response from the company to this complaint despit e our two reque sts to them, we are closing our file on this complaint.     This unanswered complaint will become part of the information we report to the public on this company for the nex t three years. Should any government agency request our files on this company, your complaint will  be included.     If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate.     Thank you for using  XXXX   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 2017-05-08 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: NY

Complaint narrative:
Ever since my student loans were switched from  XXXX   XXXX  to  Navient I have had nothing but problems. I have contacted Navient on multiple occasions to discuss lowering my monthly payments. I pay my loan every month on t ime even though I am struggling to do so. I have asked for help but when I call I am told there is nothing that can be done. Every few months my monthly payment amount goes up a few dollars without my knowledge making it even more difficult for me to make the payment. From  XXXX   XXXX / XXXX / XXXX  my payment was {$290.00}.  78 t he following month  XXXX / XXXX / XXXX  my payment went to {$340.00}. Then two months later  XXXX / XXXX / XXXX  my payment went up to {$340.00}. Then  XXXX / XXXX / XXXX  it went up again to {$350.00}. In  XXXX   XXXX / XXXX / XXXX  it went up again to {$350.00}.  XXXX . Now I just received my  XXXX  bill and it went up again to {$360.00}.  XXXX . I called for help and was told that the interest rates keep going up so I asked if I can lock into a fixed interest rate and was given no help. I was told to write a letter which I did and never received any feedback. I am obviously not the only consumer having trouble with this company since they are currently being sued. They do not help at all. They do n't advise of any other payment plan options for people struggling to repay their loans. They are rude on the phone on top of this. I have Federal student loans on top of these plus my own personal bills. It 's horrible that this company treats people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I took an equity line of credit on a home that did n't have a mortgage, the home 's title was clear. The home loan was through  Ocwen  and   XXXX   XXXX   in  1993 The  company agreed to a mortgage assumption by  XXXX   XXXX  owner  (   XXXX   XXXX   ) on  a parcel of land title  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Excerpt from my   XXXX   XXXX   XXXX   letter to C apital One B ank : Dea r Sir/Madam : I  am responding to multiple conversations I had with representatives of your bank on   XXXX   XXXX   XXXX  . I spoke w ith three of  your Representative/Agents :  XXXX ,  XXXX  and  XXXX  regarding the fact that although I barely using the card, and pay the bill in a timely manner, paying an extra {$10.00} in an effort to reduce the balance, the balance consistently increase rather than decrease. Below is the information that I was given by your representatives : They could only go back to  XXXX  ( I have had this card for at least 25 years ) ; I was told that because the interest rate on cash advances is higher than on purchases, that a lesser portion of my payments are applied to any purchase balance with a portion of the purchase balance then added to the  cash advance balance, thus Capital One is allowed to charge a higher interest rate. The last cash advance that showed on my  record was {$20.00} in   XXXX   XXXX   XXXX  . From that {$20.00} I now owe {$1000.00} on cash advances even though I have not misse d one si ngle monthly payment and pay as much as I can afford over the minimum requested ( usually $  XXXX  {$20.00} ) in an effort to pay the balance down In fact, your representative was not able to tell me why I owe your bank {$1000.00}, other than that single  cash advance. One of t hem did offer to refund 3 months of interest at {$25.00} per month, which I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Collection Consultants of California
State: CA

Complaint narrative:
XXXX   XXXX ,   XXXX   Account name Collection Consultants of California  Inc. ( C CC )  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX , CA  XXXX  (  XXXX  )  XXXX  Account number :  XXXX   XXXX . CCC letter correspondence  XXXX   XXXX ,   XXXX  .     Original creditor  :   XXXX   XXXX   XXXX   XXXX  We are writing to ask that CCC update our account, and that you inform all  XXXX  credit reporting agencies to delete all CCC account activities from our credit report.     CCC has inaccurately reported account activities to the credit reporting agencies and negatively impacted our credit report and score for several years.     We will use all legal means to protect our rights and accurate account reporting.     CCC has unfairly and unreasonably approached alternatives to delete all account activities, similar to other account payment companies.     However, in order to reasonably close this matter, we are requesting that CCC mail us a formal response offer to significantly reduce any open account amounts and an offer to delete all account activities from our credit report immediately.     We will then review your offer and contact you.     Thank you for your consideration.          XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a personal loan from TD bank, that I had set up auto payments from my bank account. For various reasons last   XX/XX/XXXX  I had asked to have the bank account # that the payment was being auto debited from  changed to another account, as I planned on closing the current account.
 On   XXXX   XXXX  , 2016 I received confirmation that the automatic payments was set up to pull out of the new account#, however even though I received the confirmation that the payments were set up to pull from the new account, the payments were still trying to debit  from the old account# thus causing me  to be delinquent. I was advised from the banker that was helping me to go in a branch and make the payment or to mail it because she couldn't guarantee that the payments would pull correctly so just to make sure I should make the payments in person. This was causing me to either make double payments, because I never knew when and what their system would actually do.
 After numerous calls, email, letters, repeatedly to attempt to fix the problem, I was assured everything was fixed, however I continued to receive a past due notices  EVERY MONTH TILL TODAY, which concerned me as I knew I had made all necessary payments. I made many calls, and expressed my concern and worry that my credit would be impacted, not to mention I was concerned there were no fees charged, but I was told, NO LATE FEES< AND NO LATED PAYMENT HISTORY....! 
After several months of the delinquent notices, again I had concern  something just wasn't right, so I called again, and this time, the person I spoke to finally admitted to me that I had in fact been charged late fees and it was showing as being delinquent.  How upset do you thing I was???
After speaking with 5-6 more TD employees, the final word was that somewhere in all the chaos they were showing one payments was not made in   XX/XX/XXXX , months late r, now, event though I know all the payments were made. I attempted to get all my old records, however, the bank I had my account with was sold, and the new bank was requiring a $ XXXX  research fee to give me my record.  
No need to tell you how angry I was, and at this point I had enough and all I was going to take from this terrible nightmare, and not to mention all the time I have spent with all this back and forth, I was done at this point. I continued to call and demanded that all my funds be refunded, and if my credit was impacted, I would be hiring an attorney and I had every intention in pursuing this, but at the end of the day I just want all my fees refunded and I would pay off the loan and be done with all of it,, however, they are now not returning $ XXXX  in fees just because they feel they can. I work in the   XXXX   XXXX  , and never , ever,  have I  seen a customer been treated they way I have from TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am a co-signer on my daughters  XXXX  student loans.   She is an unemployed   XXXX   XXXX  r. I am out on a   XXXX   leave so I do not have a income. I have filed for bankruptcy.   I am harassed consistently by calls and mail stating  XXXX  will help with a payment plan ... but they request months worth of checking acct. statements, months of paycheck stubs and other private information. They even check my credit report with out my authorization.   The worst is on  XXXX   XXXX ,   XXXX    XXXX   XXXX  @  XXXX   XXXX  called a real state agent we WERE trying to sell a home through. The home is in Foreclosure. Can they do that!! Call and harass a realtor for my personnel info??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Recovery One, LLC
State: CA

Complaint narrative:
Received a call about a debt that was trying to be collected. Caller stated she was with Recovery One trying to collect a debt but would not inform me of the company the debt originated from and the amount When i tried to get that information she started to call me derogetory names and yell obscenities until i hung up on her.The number on my caller id is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association
State: NJ

Complaint narrative:
New York Community Bank started to escrow my mortgage payment after almost 20 years of service and not ever  one  late payment because they claim my property taxes were not being paid. I am disputing their claim because my property tax balance was paid twice. The township had to send  NYCB  their check back to them as an over payment check because they already received a check from me. Since then I have been trying to correct their mistake because they are charging me late fees, doubling my payments, and I am receiving harassing and demeaning phone calls also all of the   XXXX   they have caused in my life because I have   XXXX   XXXX   XXXX   I spoke to several agents a t NYCB  since  XXXX   XXXX ,    2017 and I  was lied to several times that I have to send in a payments because my payment of  XXXX  was n't enough to cover the new mortgage payment and late fees of now  XXXX  that was increased  XXXX   XXXX  , 2017 a nd  XXXX  late fee applied. I received a letter from NYCB   XX/XX/XXXX  telli ng me they never received my mortgage payment. I have record they received on  XXXX   XXXX    XXXX  . I received a   XX/XX/XXXX   statement reporting I owe  XXXX , past due amount  XXXX  for a total of  XXXX  and a late fee of  XXXX . I had every agent a t NYCB te ll if I were to send the amount of the escrow to them they would stop the escrow. At the same time I was sending the township tax payment of  XXXX  because the next quarter was due. I was sure this was a scam because I know I was making my payments and they changed the rules of the contract to be able to charge more and make more. I believe they want the house to go into foreclosure because I only ow e 4 mor e years on the mortgage and there is alot of equity they can take. If someone was experiencing even the slightest of financial difficulty they double your payment and add fees. I believe my privacy was breached from this bank and I believe they have broken they debt collection law. They never gave me notification, itemized stamp escrow and Contract of duty. I believe the cause unneeded   XXXX  and  XXXX   in my life. I cant   XXXX   anymore. I am pursuing legal actions for them being responsible for trying to ruin my credit my life and my .character. The tax collectors office told me that this ban k NYCB h as harassed several residents in my township for exact same issues They The over payment check that the township sent back to  NYCB t he second time was over  two thousand  dollars and the first check  NYCB  sent  XXXX   XXXX  was for over  5000.00.  There is proof here that big banks are taking down private residents and taking their homes. It was n't till my conversatio n  XX/XX/XXXX  that any  of the dozen agents from  NYCB as k if my financial situation changed and asked If I need help programs. Please send me all the money they have took from me with the understanding it would stop the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Since XXXX 2017 I 've been trying to resolve a dispute of {$2700.00}. My dispute has gone on deaf ears. I was charged {$2700.00} for a service that I 've never received. The company cancelled my service a couple days before The due date. They responded to the dispute credit card with a Copy of my signature on a contract that clearly stated if my XXXX was canceled by me they would keep {$100.00} of the money. Contract does not state what would happen if the surgeon canceled the XXXX. In my case the surgeon canceled the XXXX service. I did not cancel I was entitled to 100 % refund. Citi has not been helpful in my dispute. I Have sent several emails back-and-forth with the credit card company. including many calls. i was charged {$2700.00} by XXXX XXXX XXXX for a XXXX service that I never received and I 'm still required to pay. The credit card company is not crediting my account for that amount. Very same company named XXXX XXXX XXXX went ahead, without my permission and charge an additional {$100.00} of which I 'm also trying to dispute with the Credit card company and it still shows as processing. So far I 'm disputing two transactions that total {$2800.00}

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