vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had few conversations with Capital One regarding my credit card. They have so many people calling from the executive office. I speak with someone and they tell me they will get back to me and never do. They randomly throughout the day as if they know that I am not at home. I have spoken to Capital One about the high interest fee on the second credit card that I did not want. I wanted an increase on the first credit card but Capital One denied the increase and stated that I had missed a payment even though my payment history was good. After I contact CFPB, Capital One only contacts me once about the matter of the extremely high interest and fees.They then send me paperwork in the mail in which I already can access on their website which does not solve my problem. The interest and fees are ridiculous!!! 

I would like to speak to someone more than once about this matter and finally come to a resolution!! Contacting me once and sending paperwork that I can access on the website does not solve this matter!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5]  XXXX was founded in Atlanta, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

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 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing is the mortgage servicer of the loan that we have with XXXX XXXX as the note holder. My wife and I received a federal loan to help us decrease our loan because we were upside down and we received a mount for XXXX that was sent to Select Portfolio service to put toward the principle. Once they did receive the check we asked if they could reduce our monthly mortgage payment and they said, " No. 
They claim that they had already done amortization and that they could not lower our payment. If they only service the loan then why are they acting like a bank and making decisions for XXXX XXXX. They SPS are taking in money for banks and modifying loans but they claim not to be able to lower monthly payments for the consumers that in up with this loan servicer. How can this be and this has to be illegal. So many consumers have had similar issues with SPS and they should not be allowed to be in business. 

Thanks, XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX reporting mortgage is 120 plus days past due, account is current and in good standing

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 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase mtg reporting account XXXX as XXXX owing and 120+ days past due. It reports open X/2007 with no credit limit but a payment of {$260.00} and XXXX balance. I have never had an account with Chase mtg with this information ... unsure if it 's error or somebody else 's account. needs to be removed from all 3 major reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hello. 

In brief, I have been a loyal Capital One CC holder for many years. I have XXXX cards with them and never missed a payment once. 

About XXXX years I downloaded their app and engaged the auto-payment feature. During XXXX and XXXX of XXXX it came to my attention that I had missed XXXX payments on of the cards. XXXX because I was n't even alerted to the first. This was impossible as I was enrolled in auto-pay. 

I learned that my interest increased by {$1.00}. That 's right {$1.00} and because of that my minimum increased by {$1.00}. The autopay did not account for that. Therefore, because I did n't pay the new minimum due-I was late! 

After researching this I found that this auto-pay feature is deceptive, not easy to use if you are n't told in detail how it works, and that many on time paying customers also have had damage to their flawless payment history due to this deceptive feature. 

I am intelligent person. I am a loyal customer and I pay all my bills on time. The damage this has caused to my credit was severe. All for a {$1.00}. And most importantly because they designed this feature to be deceptive and to their benefit. How much money did they make off defaulting people 's interest rates to max because of this shady feature? Millions I 'm assuming. 

What 's worse is that they have admitted that the feature is in fact confusing and that they had to deal with many calls such as mine-but there 's nothing they can do. Which is a lie. 

I truly feel like they are getting away with fraud to a degree. At least some form of profitting from taking advantage on their customers. I hate to use this term but it 's not fair. 

Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Today, I received an alert from Trustedid ( free from Equifax ) that I had suspicious activity on my credit report and that I should log in to my acct to see what it is. 

After spending an HOUR tracking this down, I now know that the alert is for the closing of a credit card that was closed in XXXX!! On my Equifax Credit Report, all account names are not listed. Had the name of all the accts on my report been listed along with the beginning numbers, I would have had better insight into tracking this down. 

I got to the bottom of this by retrieving my XXXX credit report, matching up the account number with an account on my Equifax report for which the name was missing. Then, with account name matched to account number, I was able to match it up with the alert I received. So an account that was closed in XX/XX/XXXXwas just yesterday updated at Equifax. 

Given this extreme and unacceptable delay in processing information ( nearly a decade late ), I can see how this firm was hacked. Unless there is some reasonable explanation for this kind of delay. I just do n't know. 

Another issue with Equifax credit report : on mine, it lists all kinds of accounts, most of them closed, but the report does not state that they are closed. XXXX, in comparison, states that they are closed and gives the date. 

What I really want is to opt out of having any and ALL of my information stored or shared by anyone, forever! This should be my choice. This is my information, and I should not have to be put through all this mess. If I ever do decide I want credit, I will do the work to obtain information that is needed, in writing, the long way. This should be my choice. I have saved money and worked all my life, and I do not want to have to spend the rest of my days looking over my shoulder, and creating yet another login to keep track of, all because I am not given the option to NOT allow my information to be stored by these credit reporting agencies. I have a feeling this is not so simple, and genie can never be put back in the bottle. But this is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax had a breech of security early in the year and failed to notify the public. I now have my information on the dark web. I have had my XXXX card compromised even though I had the card on my person including my identity was stolen. They were able to obtain my address, cell phone, address, account number with the security code on my XXXX. I just recently had my email attacked and XXXX shut it down for an entire afternoon for suspicious activity. I am a XXXX and my cell and email are my business!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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:
I have submitted this request 4 times to be fixed and Transunion has yet to fix it even though XXXX  corrected it. My score is XXXX on XXXX and XXXX on Transunion. The problem is with a credit card issued by XXXX that Transunion has deleted from my file. I explained that it should have not been deleted as I am a signor on the card and have been for many years. XXXX  corrected the mistake and Transunion has yet to do anything even though I have submitted the evidence and they can see that XXXX corrected the problem. I have called, submitted the corrections to them 4 times and they fail to so anything, I want this error corrected so my credit file reflects the XXXX card that is mine. The card was opened in X/XX/1998 and is in good standing. I have been an authorized user for years and has always reported on my credit file. I want them to restore it so my credit score reflects the correct amount of XXXX. 

Please help me in this matter as they have wasted many months on this and refuse to do anything even though the evidence reflects that they should of corrected it a long time ago. 

Best, 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 non-monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
A letter dated XXXX XXXX, XXXX from XXXX XXXX stated that a small change in the amount of {$2500.00} was assessed to my account, see Letter pg 1 PDF. Upon receipt of this letter I called XXXX XXXX and spoke to a man that looked up the coding and stated it was for an insurance premium. During that time, I had experience working as a small-business XXXX XXXX and understood that as much as lending is about lending, it is also about selling insurance. The borrower would have to understand and accept the purchase of insurance that would protect the lender in the event the borrower died, became disabled, or  couldnt pay. Now, I was not asked to purchase an insurance plan on myself, I did not give XXXX XXXX permission to purchase an insurance plan on my behalf. I called XXXX XXXX again and I asked for more detail on the insurance plan and the woman on the phone couldnt give me any information and said she couldnt see any insurance notes and stated the amount is related to an agreement found within my promissory notes. 

I must have requested a log of activity because I received a letter dated XXXX XXXX, XXXX from XXXX XXXX that detailed previous transactions on the account, see Premium XXXX pg 1 PDF. The {$2500.00} insurance premium was listed within this letter and was applied to my loan principal on XXXX XXXX, XXXX, see XXXX XXXX pg 3 PDF. It never seemed right to me that I had paid for an insurance plan I had no clue what it actually covered, let alone, any details about the plan at all. In the event, should I become disabled, could I claim disability and know that my insurance plan would pay for the remaining balance on the loan and relieve me of my debt obligation? Am I paying annual premiums and dont even know about it? If this insurance plan adjusted the risk associated with my account, then why hasnt my interest rate decreased? I called the Texas Department of Insurance on XXXX XXXX, XXXX and spoke to XXXX. She asked me who is the provider, who is owner of the loan? I did not know who owns my XXXX XXXX loans. I did know XXXX XXXX was the servicer, but XXXX wasnt able to help me given that information. 

My question to XXXX XXXX is - What exactly is the insurance plan for and why did I pay for it? Can I have a copy of the insurance plan? 

Also, another question for XXXX XXXX - Who owns my loans, and can documentation be provided that can prove ownership?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX mtg reporting account XXXX as XXXX owing and XXXX days past due. It reports open XXXX with no credit limit but a payment of {$260.00} and XXXX balance. I have never had an account with XXXX mtg with this information ... unsure if it 's error or somebody else 's account. needs to be removed from all XXXX major reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: LA

Complaint narrative:
On XXXX XXXX2017 2 accounts placed on my credit report in the amount of {$120.00}. I am unaware of any outstanding medical bills that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Multiple Bank of America accounts reported past due. Account reported open X/2006 with a balance of {$5500.00} is not my account, my BOA account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.

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 2017-10-26 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Account was opened XXXX. High balance of {$780.00}. I mailed a certified letter to the creditor in XXXX XXXX requesting account be validated. I put in a credit dispute in XXXX XXXX, and XXXX XXXX stating inaccuracies in the reporting ; the date of 1st delinquency was in XXXX ; account is too old to be still reporting to the credit bureaus. This account was updated as correct. If account went delinquent in XXXX XXXX, XXXX then the balance should be {$0.00} by now since XXXX XXXX when the acct was opened. However, original late payments are not reflected on credit report, only the last 1st delinquency in XXXX XXXX. Account was left owing {$240.00} but was sold to PRA in XXXX XXXX showing charged off to {$540.00}. I have tried to resolve this issue and request my payment history for XXXX XXXX  from date of account opened in XXXX XXXX. They have refused to provide me payment history and continue to report the account on my credit which is now 9 years old because they do n't want to remove it as stated by law. I have requested the account be removed to no avail. Also, I am currently dealing with PRA for a settlement of an incorrect balance owed and have request the same payment history from PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
I closed on a refinance XX/XX/XXXX. My loan was funded XX/XX/XXXX and my previous lender, Dovenmuehle Mortgage, was paid off. They were holding an escrow fund of {$4300.00}, which was to be mailed to me within 2 weeks. As of XX/XX/XXXX, I have still not received a check from Dovenmuehle. I have called their desk 4 times and requested them to reissue a check. Each time, they stated the original check was mailed XX/XX/XXXX and that their policy was to wait 30 days from issue to resend the check. Escalating to supervisors did not change their response. 

When I called today, they stated they would send another check with no tracking number. If I did not receive it in 30 days, I could call and have them re-issue a check. When I asked for them to overnight the refund check, they stated it would have to be escalated to another department. I would receive a response with 24-48 hours if they would decide to overnight the check. 

These are all classic stalling techniques. I do not know if Dovenmuehle is a solvent entity since my mortgage was purchased by them without my knowledge or consent. It is unacceptable that they can hold on to {$4300.00}, stone wall me, and refuse to expedite service when they are in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX Bank XXXX XXXX accounts reported past due. Account reported open XXXX with a balance of {$5500.00} is not my account, my XXXX account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Multiple XXXX XXXX XXXX accounts reported past due. Account reported open X/2006 with a balance of {$5500.00} is not my account, my XXXX account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.

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 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have attempted to work with Bayview for mortgage assistance but feel I can never get anywhere. I have never been assigned a point of contact, I have not been provided with a fair and proper review and am being turned down for reasons that do not make any sense. I am not being provided options to save my home, in return I am being forced to this foreclosure and losing my home. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered the Deed of Trust shall be void ab initio. My right has the borrower have been severally violated and at this point all Bayview wants to do is leave me homeless. I am always having to contact them and never vice versa, this whole process is very draining and mentally exhausting.

Company response to consumer: Closed with explanation