vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I took XXXX XXXX XXXX to court onXX/XX/XXXX regarding a {$1500.00} bill. They XXXX out the balance during mediation, rather than risk my winning in court. I checked my credit report shortly after the court date and noted that the debt was actually removed from my credit report, prior to the court date. <P/>Today (XX/XX/XXXX ), I received a credit alert and found that the XXXX XXXX XXXX debt is back on my credit report.I contacted the agency, Diversified Consultants, and they told me that they did not report it ; and even so, they told me that they do n't remove items from credit reports. I asked to speak to a supervisor, who told me that XXXX XXXX XXXX recalled the debt, but that they did not actually report it to the credit bureau. After I insisted that it was on my report, I was told to send them screen shots of my credit report and that they will get back to me. <P/>The fact that they told me they do n't remove items from credit reports, and the fact that they are unable to even locate a record of the report, leads me to submit this complaint. <P/>I have submitted a photo of the letter from XXXX XXXX XXXX 's legal counsel, as well as the screenshots of my credit report that I was forced to send to Diversified Consultants, since apparently they do n't keep records of the debts they send to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On Sunday XX/XX/XXXX XXXX XXXX informed me that a new account had been opened under my name. On Monday XX/XX/XXXX I received a BP Visa Card in the mail. On Monday XX/XX/XXXX I filed a dispute with XXXX XXXX. On Tuesday XX/XX/XXXX I received a letter from SYNCHRONY Bank asking for confirmation that I had opened a BP Visa account. On Wednesday XX/XX/XXXX I called the Bank and they opened a fraud account, they closed the account and said that they would sent notification to the credit rating companies.

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 2017-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom it may concern, On or about XX/XX/XXXX my wife and I were vehicle shopping due to the necessity of a reliable vehicle and were told numerous times that a XXXX XXXX holds it value prior to purchasing this vehicle. I moving forward with this understanding in mind having negative equity of {$3000.00} on a vanXX/XX/XXXX. The XXXX XXXX that was shown on this date which used the most manufacturer rebates was said to and I quote " Eat up was was negative in the vehicle prior '' was the Opportunity of a Life time. This seemed like a great opportunity for a hard working Service member and his family. My wife and I at this time were and still are re-establishing or rebuilding our credit and were told several times that we are taking the opportunity now to get back on track with rebuilding and would be able to refinance this vehicle with a lower payment and lower interest rate. The interest rate that was given was a 12.57 % interest rate and a monthly payment of {$700.00} cents. The total sale price of this vehicle with a down payment of {$910.00} dollars came to {$51000.00} at the very end. I am an understanding citizen that I am and was rebuilding my credit at this time, but this fine print was not understood and sales men tactics were used on a simple XXXX XXXX. I have made several payments on time since this tragic day in XX/XX/XXXX in the amount of {$700.00} each month. I have payed in over {$6000.00} dollars towards this vehicle. I am now {$16000.00} dollars now upside down today XX/XX/XXXX. When I spoke with Capital One on XX/XX/XXXX to refinance the vehicle loan as they originally stated. When no resolution was given. I called and stated that I would have to voluntarily surrender this {$18000.00} thousand dollar appraised vehicle XXXX XXXX according to the dealers. Capitol One assured me that vehicle would be auctioned off and all debt that was left after the sale. I would be still be liable for which is in excess of {$16000.00} dollars. I believe this to be a fraudulent sale. I believe in my opinion sales tactics and customer pressure were heavily applied into this contract and under false pretenses by Capitol One. I am at a loss for this company and how they gave false perceptions to a hard working service member and veteran. I hope my future and financial freedom are still intact after this surprise attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I tried to resolve a dispute regarding a deposit charge that was supposed to be returned to me from a XXXX XXXX XXXX car dealership. Per the agreement submitted to the CapitalOne credit card company section 12 this deposit was supposed to be returned if the sale of a used car did not go through. This was acknowledged by Capitalone and discussed in detail with a fraud supervisor named XXXX in a recorded conversation but the CapitalOne company still did not reverse the charge and claimed the decision was not up them but with " either XX/XX/XXXX or XX/XX/XXXX ''. Capitalone did not live up to its Agreement to have protection from false billing as it claimed when I signed up with the company as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I recently acquired the Barclaycard Arrival Plus Mastercard because of the alluring promise that I can earn XXXX miles per dollar spent as well as redeem them for travel purchases at basically XXXX cent per mile rate. The travel credit redemption program states : " Choose any qualifying travel purchase of {$100.00} or more made within the last 120 days to redeem your miles for a travel statement credit. Travel statement credit redemptions start at XXXX miles for {$100.00}. Please note, only qualifying travel transactions made in the last 120 days will display, and you may only redeem against a transaction one time. '' However, it does n't state anywhere in the rewards program description that AFTER the initial {$100.00} threshold has been met, there is a {$25.00} increment in redemption. Meaning that my charge of {$120.00} CAN NOT be redeemed with XXXX miles and instead the maximum I would be allowed to use to redeem is XXXX miles for {$100.00} of the {$120.00} charge. Phone representative admitted that there 's a {$25.00} ( or XXXX mile ) increment after the initial {$100.00} ( XXXX mile ) threshold has been met. He also admitted that this is not clearly stated and as a consumer I feel that I was not able to maximize the rewards that I 've earned because no attempts were EVER made by Barclaycard to disclose the " rule ''. The phone representative XXXX made it very clear that I will never be able to use the entirety of my miles ( XXXX miles at the time of writing this ) because of the unstated rule and I do not think that Barclaycard has been upfront about the rewards program to allow a consumer like myself to make an informed decision about their product.

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 2017-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
I am an XXXX military personnel and I bought this house sometime in XXXX at XXXX XXXX XXXX XXXX XXXX CA. But unfortunately, after closing our escrow about ( one week after ), I received an assignment to go to XXXX immediately with my family. We left and we did n't even have a chance to live on the property. I was in XXXX for 5 years and then got another assignment to go to XXXX which I stayed for another 5 years. When we came back, I thought that the house went on foreclosure as we abandoned the house for 10 years and did n't pay anymore. The only time I found out that it was still in my name is when I was trying to cosign with my brother in buying a house, this property pop out that it is still in our names. I immediately called XXXX XXXX and told us that they ca n't foreclose the property as I am an XXXX military personnel. So they suggested to do a short sale in which they approved it right away in less than a month. Now, there was a 2nd with Trinity Financial, in  which my agent was trying to talk to them and negotiate. The original balance is only {$74000.00} but because of the interest for 10 years it became {$130000.00} plus. So, XXXX XXXX offered them first for {$3000.00} but they did n't want to accept it and told my realtor that SHORT SALE Is not an option. We tried to communicate with them as to how much they are willing to accept as we already have a buyer that was approved for the loan already and ready to close, but they are insisting on getting the full amount of {$130000.00}. and didnt even want to come up with any amount except the full amount and told my agent that SHORT SALE IS not an option. My 1st Lienholder is not going to pay them the full amount as their taking a big loss of {$400000.00} based on the attached demand letter and the property value is {$290000.00} only. We tried to speak to them to tell us what amount are they willing to accept besides the full amount but did n't want to give us any respond except they send my realtor a denial letter saying SHORT SALE IS NOT AN OPTION. I did n't want and neither XXXX XXXX to foreclose this property considering that I have served and continously servicing our country for 21 years but Trinity Financial did n't want to cooperate to close this and be removed in my name. What can I do? I beg them and told them that it is not fair how they treated a Veteran trying to avoid foreclosure, when the 1st lienholder who is taking a big loss allowed and approved the short sale right away.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX of 2006, My wife attempted to refinance our home. She provided check stubs showing her accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX XXXX generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from XXXX to XXXX XXXX. So without our knowledge, of this fraud, they approved my wife for a loan that was already illegal to sell to consumers in Illinois ( Pick-a-Pay mortgage ). Then, they took out a default insurance policy in anticipation of my default. We were not aware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. The auditor first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not follow the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, we are not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. There are several notary signatures. We also previously put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, the bank lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I my wife does not have a mortgage. I was not working and therefore the mortgage was only in my wife 's name but the title search shows that the mortgage is under my name. I have a XXXX XXXX and they did not follow the federal guidelines when selling a loan to a person with a 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 2017-06-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX and XXXX ) for the amount owed to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, Transworld Systems , Inc., was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at Transworld stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX and XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Navient has breached it 's own verbal contract numerous times, and is now threatening default and lawyers. XX/XX/XXXX I was diagnosed with XXXX XXXX that forced me to close my business, created a separation from spouse, became homeless and forced to move to a healthier environment. <P/>I contact them many times via the only platform available due to homeless situation, email. Told them numerous times of the above situation, that I had no income but was spending meager savings to try and continue payments. I did so for a few months in XX/XX/XXXX until savings depleted. In XX/XX/XXXX I got part time work that did n't effect my XXXX, but left me with a take home pay under {$700.00} a month. Navient would accept nothing but a call, so had to find a phone to borrow for the call, thyey claimed " This call is recorded ... '' so, should have on file, requested Income Based Repayment, they complied and set a monthly {$50.00}, I have paid {$60.00} most months, and never missed one payment. Since the very next month after the first call, as well as another in XX/XX/XXXX, and on a monthly basis, they harass me stating " missed several payments, will go to default. '' I have never missed a single payment, sent numerous emails from a verified email address stating my income, employer, etc. ( No phone available. ) Only reply is continued form letters via email, " Several payments behind ... default, may turn over to lawyer ... call us ... '' I 've replied that I live in XXXX NM, phone N/A majority of time, FTC says verified email IS valid contact only to get same as above over and over. I 've researched Navient online and speaking to others via my XXXX work, and have found Thousands of complaints not unlike mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AES/PHEAA
State: OH

Complaint narrative:
In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) for the amount owed to the original creditor ( National Collegiate Student Loan Trust,  {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, XXXX XXXX , XXXX, was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at XXXX stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have never done business with Ad Astra Recovery Services. I do not have a signed contract not any contract with Ad Astra Recovery Services. I have the right to demand to see a signed contract between Ad Astra Recovery Services and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I submitted a request to modify my loanXX/XX/XXXX to M & T Bank via XXXX XXXX XXXX because I was having financial difficulty. The modification was not completed until XX/XX/XXXX and the foreclosure process was initiated in XX/XX/XXXX. The loan company did not allow me to stop the modification process and enter to a re-payment plan. They stated that I was still in good standing and the loan modification was ready for completion in XX/XX/XXXX. However, the company continued the loan modification process requesting the same paperwork numerous times and allowing critical paperwork to expire. Missing documentation letters they claimed to have sent to me were not sent but manufactured after the fact. I have requested that a list of dates that requested documents were received and scanned to compare them to these documents. I believe it would show that the documents they claimed were not received were in fact in their possession. After assuring me I would not go into foreclosure, the foreclosure process had already begun. The company refused to send this info as it would show that the missing documentation letters were addressed in a timely manner and the delay was on the part of XXXX XXXX XXXX. When the trial modification was complete, the loan was higher than the previous loan I was trying to modify. I was ordered to pay {$470.00} instead of {$440.00} per month, a net increase of XXXX and I also have to pay {$4700.00} in foreclosure fees, which could have been avoided if the organization would have been able to process information for the loan modification.

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 2017-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) placed {$4200.00} in collections without notifying me about the debt, attempting to take the debt from my bank account, etc. I learned about it because my XXXX  credit card closed due to a " serious delinquency ''. My Transunion credit report shows that my XXXX account is in collections. My credit score has fallen more than 100 points because of this error.

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