vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is using a deceptive sign-up form for their Credit Monitoring product. Consumers think they are filling out a form for a one-time credit report and credit score.  TransUnion attempts to hide from the consumer 's view that they will immediately be charged {$19.00}, and then charged this amount monthly thereafter. They do this by placing the details on the lower right-hand side of the web page. 

THIS SHOULD BE PROMINENTLY DISPLAYED IN THE CENTER TOP PART OF THE FORM! 

The second page of the form - where you enter your credit card number - has absolutely no mention of the pricing and recurring charges. There is a Service Agreement link in  small print at the bottom of that page. Otherwise, there is no confirmation through the rest of the sign-up process that you are signing up for a subscription service. 

The fact that they designed the form this way clearly demonstrates their intent to be deceptive.

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have been dealing with Diversified Consultants regarding this XXXX XXXX XXXX acct since last year in XXXX. I mailed letters asking for validation and verification to be sent and because they could not provide documentation with my signature they seized all collections efforts and deleted from all credit bureaus. I see that they have once again put that same XXXX XXXX XXXX acct on my credit without proof that this acct belongs to me. I want this acct deleted for the 3rd time and to stop trying to collect on an acct that isn't mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: MI

Complaint narrative:
Thank you for the opportunity to discuss my problem. On XXXX XX/XX/XXXX I suffered a career ending injury. I applied for, and was granted XXXX XXXX  XXXX benefits in XX/XX/XXXX. In the subsequent 2 years I had no problem meeting my financial obligations. In XX/XX/XXXX, my benefits were arbitrarily terminated. A federal law suit was filed and is currently working its way through the courts. During this time I exhausted my life savings in an effort to meet my financial obligation. In late XXXX I began the process of requesting a DEED in LIEU ( DIL ) from HomePoint Financial,  the holder of my mortgage. After several difficult months of a run around trying to execute this, Homepoint finally, apparently put the process in motion. During this time period Homepoint was very difficult to communicate with. Often avoiding answering my questions. Frequently stating they would " look into '' my question and get back to me. Often never reaching back out to me. Finally after jumping through every hoop, always in good faith, the DIL was approved. On XXXX XX/XX/XXXX the appropriate legal documents were recorded with the registrar of deeds in the County of XXXX. These included the Warranty Deed and Discharge of Mortgage. I have attached them below. As todays date, XXXX XX/XX/XXXX, the account remains open with a balance of {$160000.00}. In addition Homepoint continues to report me to the credit bureau as delinquent. I have made several attempts to discuss this with Homepoint in the last several days and have been met with severe obfuscation. Every attempt to contact Homepoint has resulted in me speaking to a low level bank representative that has been unwilling or unable to rectify or even explain what is going on. I am sure CFPB can understand my frustration. This long drawn out process has had, and continues to have a very significant negative effect on my credit history. 
I believe Homepoint 's behavior is at best, bad faith and at worst, possible a violation of the law. I have completed every request made of me in good faith. Any help you can give in getting this issue resolved would be greatly appreciated. 
If you have any questions please feel free to contact me at your convenience. 
Sincerely XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Through out my entire loan navy federal has charged {$29.00} fees for being late and there was never an agreement of such fees. They are also charging {$29.00} for fee adjustments on both loans I have with them that has been going on through out the term of the entire loan. I can never seem to pay my loans off as they keep adding these fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: FL

Complaint narrative:
i was contacted by Rash Curtis and associates for a medical bill from some where in California and also have an address and phone number listed that has never belonged to me. I called them on 3 separate occasions stating that this is not my bill for {$990.00} and I had never lived at that address. I said I would be more than happy to pay the bill if they could provide me with any information at all proving it was mine. To date this has never happened. I also disputed this with XXXX  as they are the only credit agency that has it listed on my credit report. I do not know what else to do to get this bill that is not mine removed from my reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: NC

Complaint narrative:
This complaint is about EQuifax I contacted them in XXXX about an account on my file from XXXX XXXX XXXX the contract for this account has been cancelled now they sent me paperwork on XX/XX/2018 stating that it was not reporting thats not an answer and it needs to be removed this is my fifth time disputing this and nothing is being done the contract has been cancelled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On several occasions I have attempted to resolve a usury problem with Lowe's/ XXXX XXXX credit card. The APR on the card is 26.99 % which is preventing me from paying down the principle. It is apparent that this 26.99 % APR is usury at it's best or worst.

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I moved out from XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) reported my name and amount owed to collections agency. XXXX XXXX XXXX claimed that they have sent a notice about my balance to my address. Supposed letter was dated XX/XX/XXXX and didn't have my address at all. I have never received the notice. 

As a result, this balance was reported to collections agency, PROCOLLECT , INC, XX/XX/XXXX. I have notified this agency that the information is wrong, and the letter from the XXXX XXXX. However, they still have my report in collections.

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
There is a bill that is reporting with a XXXX XXXX and it was disputed, they then reported it as XXXX balance and sold it to another collection company a Source Receivables. So the XXXX has hit my credit scores then the Source Receivables hit my scores. Since XXXX is a collection company and not the original company they should not be reporting the account at all because they have not vested interest in it. The Source Receivables is also reporting a new open date and not when the account first became late and never again went current therefore it's re-aging a very old account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is has inquires on my credit file that I did not give any authorization too. I disputed the inquires in a later XX/XX/2018. They did not remove any of the items that I did not authorize.

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 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Consumer disputed Inaccurate information on credit profile with Credit bureaus & they haven't corrected the item in question. On XX/XX/XXXX I received notification that public record accounts were reporting in my name on my credit report. I've disputed this error with them and have since contacted this credit bureau numerous times via mail, phone, & online disputes and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well. I've sent certified letters U.S.P.S Postage mail to this Reporting Agency over the course of 6 month. Ive disputed these same items & the company has yet to provide a response within the 30 days allowed, provide any Validation of Record which I requested nor correct this costly error on my behalf which is affecting my opportunities to obtain credit. It even doesn't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I've written the US Northern district Courthouse & their response ( which  I can provide ) is that they do not report any activity with credit bureaus or third party companies. This letter was officially sealed and notarized by an agent representative of the Courthouse. So my concern is that if they aren't reporting any information how is that being retrieved This public record is only reporting on my Lexis Nexis report and not any other bureaus. I have suppressed my public file with them ( see attachment ) as well as placed a security freeze on my profile as well. Yet they've yet to correct this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal has a purchase protection program and resolution service. It is not clear whether it actually fulfills its promise in the contract to provide a genuine or real purchase protection program. My complaint through their resolution program seems to be a joke in that their responses are always in a form letter response, and responses from them have no relation to my complaint or case. In the case of " Item Not as Described '' I received a defective instrument costing {$7100.00} and provided pictures of the defect. They immediately declined to provide protection claiming the third party documentation did not meet their standards when I had not even sent a third party opinion nor had they asked for one. I sent photographs by mail, by email and through PayPal 's Resolution Center. Their decisions are not explained at all, just form letters that are irrelevant. In an obvious case of fraud ( seller claimed that the returned item was damaged in transit when the Post Office and photos confirm it was not damaged at all ) PayPal ignored the claim. In two cases of photos showing manufacturing defects, they apparently did not even look at the photographs. The process of relying on their Resolution Center is cloudy and unfriendly. I believe it is a fraud that they offer protection when they in fact do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/2018 we found a {$200.00} withdrawal from our checking account with Bank of America that was not authorized. We notified the bank immediately and they started a fraudulent charge case and credited the {$200.00}. Nothing was received about it afterwards. 
XX/XX/2018 we discovered their was a {$200.00} hold placed on the account. When inquired the bank said they did not find the charge to be fraudulent and was taking the money back. When informed that it was not authorized they said they would " reopen the case '' and it would take 30 - 60 days to get it started and were not reimbursing the funds lost.

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 monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX was contacted by National Credit Systems I owed money to XXXX XXXX XXXX NC where I use to be a tenant. They asked NCS to collect debt.. In XX/XX/XXXX I sent NCS a Cease Comm letter telling them to cease all communications with me, also told them I will deal with XXXX XXXX myself and that I refuse to work with a collection Agency. I also told them not to contact any credit rating agencys of this debt. In XXXX I checked my credit reports and NCS has this debt listed. On XX/XX/XXXX I send NCS another letter telling them I do not want to deal with them. According to the post office they picked up letter XX/XX/XXXX. Yesterday, XX/XX/2018, NCS sent me another letter demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
RECEIVED THE WRONG INTEREST RATE FOR MY MONEY MARKET ACCOUNT. OPENED THE ACCOUNT IN XXXX XXXX FLORIDA IN XX/XX/2016. MOVED TO OHIO IN XX/XX/2016. HAVE BEEN RECEIVING THE FLORIDA RATE FOR TWO YEARS, AND I WANT THE CORRECT INTEREST RATE APPLIED TO MY ACCOUNT. BANK TOLD US THAT WE WOULD HAVE TO CLOSE THE ACCOUNT AND REOPEN IT. WOULD NOT MAKE UP CORRECT INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
Received call from XXXX XXXX the beginning of XXXX about my not making my XXXX payment. I explained that I don't have the money until the XXXX  Wednesday of the month ( soc.sec ck ). Received letter from them dated XX/XX/2018 saying I was two months behind, XXXX payment due XX/XX/XXXX have 5days grace. Letter stated that if I didn't make payment they were going to repo my car if I did not respond within 13 days from the date of the letter for the balance of {$280.00}. I borrowed {$230.00} added note that I would pay extra each month to get caught up. Didn't hear anything from them. Now I am receiving calls from them. I changed my phone number so I wouldn't get any more calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I closed this card quite some time ago, and I am being billed 17.99 % APR on {$1500.00} and 23.74 APR for cash advance of {$1400.00}. This is usury at it ; s ugliest and deception.

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 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I'm writing in reference to my son 's checking account that I am on as authorized user with Wells Fargo. My son whom is XXXX yoa just graduated from high school this XX/XX/XXXX had his wallet stolen. I am very displeased with how WF has handled this case. My son 's account was comprised by thieves and now he is currently being punished for others crimes. I have called and written several times that my son nor I have authorized ANY transactions that occurred on XX/XX/2018. The transactions occurred online, ATM, and in a branch. Also, the locations of these transactions are over two hours away from where we live. I have requested repeatedly to have footage pulled to show fraud was committed. As well as look at the account history to show never have so many transactions occurred in one day.

Clearly WF should be able to tell that more than 5 transactions occurred from opening of two checking ( ending account # XXXX ) and savings accounts ( ending # XXXX ). These individuals were depositing, transferring, and withdrawing funds before anyone could catch this. Also, it was proven that checks were deposited with irregular signatures as well as third party names. None of those checks were written out in my son name or mine. Now the account is in negative status of over {$1500.00}. I have tried to handle this situation myself, but it seems I have not been able to get a fair resolution and being that WF does not believe or trust their own customers in trying to explain that we have been victims of financial fraud. It is evident that this day in time thieves are able to hack into someone personal business and life and destroy it and this is the case with our account. I have attached documents to show all the transactions that occurred on XX/XX/2018 as well as the checks that were deposited.

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 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
For fifteen years I have faithfully and on time paid my monthly mortgage payment via direct automatic debit from my checking account. The final payment was due in late XXXX. The servicer, Nationstar Mortgage d/b/a Mr. Cooper, did not debit my account for the final payment. I was told that they would only accept payment by wire transfer or cashier 's check sent via overnight mail. I have reviewed my mortgage and do not see any terms that would allow the mortgage holder or its servicer to place such onerous restrictions on the payment modality ( restrictions which will cost me money ). 

The company has also now assessed a late fee. In addition, the final payoff statement includes a recording fee of {$60.00} ; again I don't see anything in my mortgage that would allow that to be charged ; it is a cost of their doing business. 

I have spoken to the company four times and every time the answer is " that's our policy ''. At the end of my most recent call ( XX/XX/XXXX ), I was promised that a manager would call my cell phone to discuss the matter within two hours. Over a week later I have never received a call. 

I wrote to them twice ( attached ) and have not received a substantive response. They have me over a barrel - I can't in good conscience make my final payment because they are making it so hard to do so - both method and amount ( I question their statement ). You will note from the attached correspondence that they will not respond to me for over a month - by XX/XX/XXXX. That puts me another month past due, and of course I have legitimate concerns about their reporting me to credit bureaus I believe that the company is engaging in unfair trade practices by forcing final payment by restrictive and consumer costly methods, adding a recording fee, and not answering my good faith questions. 

Please review the attachments. They document my good faith efforts to engage and their

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
Upon viewing my credit file with XXXX, XXXX, XXXX  I became aware of Security Credit Service reporting an amount : {$1200.00} owed. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. This creditor should remove this account from my file ASAP.

Company response to consumer: Closed with explanation