vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 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: PA

Complaint narrative:
This is a complaint to help protect other card holders of Capital One.
I had paid, balance in full and on time, all of my credit cards with Capital One and other credit card companies. Capital One was the only company to charge me interest and post another bill with a balance. I called Capital One and informed them that I had paid in full by the due date. That I would appreciate if they could remove the charges for interest.
They took care of all 3 of my accounts and reversed the charges. Which would have totaled over {$130.00}. My concern is how many consumers would just pay these charges and not know to call to have them reversed? Would this be considered unlawful? I would think that Capital One could adjust their program to payment in full would cancel the charges? How do other credit card companies handle this and not forward another bill for interest?
<P/>
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Initially I called in and requested my son to be an authorized user on the account and the representative added him to the account he went into the store and the card declined even though I have a $ no balance and a {$700.00} credit limit I then proceeded to call again and a representative and their fraud department said that the card was ready for use a third time since the card was n't ready for use again the second time I called. Now they are requesting Social Security card driver 's license income and basically I do n't have an issue with that but my issue is the discrimination against my personal XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: NH

Complaint narrative:
From XXXX to XXXX I received student loans from XXXX XXXX. I begin the repayment of these loans in XXXX, however over the course of 10 years the owed amount has increased even though I pay faithfully every month. During the course of those 10 years I attempted to negotiate the terms with XXXX XXXX and now Navient yielding zero results. Often times the customer service representative would explain to me that they are not entitled or obligated to change the terms. Additionally the representatives would basically tell me " tough luck ''. As a result the principal amount has increased {$3000.00} over the 10 years of attempting to pay back these loans. I believe these are predatory lending practices without any checks and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: SC

Complaint narrative:
I have been disputing credit inquiries with Transunion and have not had successful results. A computer glitch that was Transunion 's problem caused my inquries to be deleted and later on they were added back on to my report without giving me the legally required written notice 5 days prior to them being added back on. I have contacted the credit bureau in good faith to delete these but they are still on my reports. My rights were violated by Transunion and these inquiries have caused me to lose points on my credit score. Will the CFPB please stop Transunion from victimizing me.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My former employer amended & restated my tax returns & made themselves my conservator. In order to get the golden parachute tax break in XXXX my home was sold without my knowledge. XXXX XXXX XXXX XXXX have been stealing my mail. I never received any of my XXXX-mortgage interest statements. In order to properly file my tax returns. I truly need that information. May I please get those statements mailed to me from XXXX-XXXX. These transactions was made while I was under wage earner. The case number was XXXX. I was discharged from this case in XXXX. I need XXXX XXXX to send me an identity theft packet please.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My former employer amended & restated my tax returns & made themselves my conservator. In order to get the golden parachute tax break in XXXX my home was sold without my knowledge. XXXX XXXX XXXX XXXX have been stealing my mail. I never received any of my XXXX-mortgage interest statements. In order to properly file my tax returns. I truly need that information. May I please get those statements mailed to me from XXXX-XXXX. These transactions was made while I was under wage earner. The case number was XXXX. I was discharged from this case in XXXX. I need XXXX XXXX to send me an identity theft packet please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Hello XXXX XXXX, It has been over 4 months since I replied to your email request for my phone number. This is the same treatment I received previously from PNC Mortgages XXXX XXXX. Excuses of not receiving phone calls, emails and most shockingly documents. I am astounded how PNC is able to stay in business if this treatment is standard behavior. The financial devastation caused by PNC keeping me on the hook for over 16 months with the promise of a first mortgage in order to continue to cover my Moms caregivers costs on a fully collateralized loan has not gone away. I did everything that was asked of me, creation of documents, all the documentation required for a first mortgage sometimes twice because documents were mysteriously disappearing or I was told they were never received and two appraisals within a 12 month period. The unethical practice by PNC has financially compromised two lives. The professionally responsible action on PNCs part would have been to answer my many questions regarding PNCs ability to close on a loan. But no, I was continually assured that PNC was going close on the loan. Had Id been treated with respect and honesty I would have made arrangements sooner to move my Mom to an XXXX XXXX not incurring expensive 24/7 at XXXX XXXX costs waiting for a loan that PNC never intended to close. How do you people look yourselves in the mirror each morning. I cant be the only customer this has happened to. The only fair action on PNCs part at this time would be to pay {$250000.00}. to cover debut costs, appraisal costs and lost wages. <P/>I look forward to hearing back from you. <P/>XXXX XXXX XXXX cc : Consumer Financial Protection Bureau case # 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 monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
XXXX XXXX talked me into a contract on phone service I did n't want in year 2013 or earlier. They keep billing me and collects payments from me and my payee to a debt collector called Diversified Consultants. They told me I now currently owe them {$710.00}. Also XXXX says I owe them {$120.00} and sent me over to a debt collector just because I no longer wanted there service to XXXX. I feel this is not right because I have no service with any of them right now and they are taking money from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CitiMortgage gave me the run a round on the short sale on my home I had to do because of severe financial distress and job loss. They kept asking for the same paper work over and over acting as if they did n't get it. It caused a foreclosure of almost 7 years ago -- when a short sale would have worked. I have evidence as I used a short sale expert broker named XXXX XXXX and he can attest to the stonewalling and complete run around. <P/>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 2017-07-12 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: SLM CORPORATION
State: MN

Complaint narrative:
In XXXX my daughter who was attending the XXXX XXXX XXXX took out a Sallie Mae loan for {$11000.00} that I co-signed. Long story but I think she was XXXX class short of graduating. She is XXXX for XXXX XXXX and not making her payments of {$170.00} per month. This is causing me great financial hardship. I am wondering what recourse I have. Even if it involves legal action against my daughter. I just want to know my options and I think that Sallie Mae is the XXXXXXXX XXXX spawn. I do n't trust anything they tell me. They just throw you into a loop of lies and telephone holds. Hence, I am asking you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MS

Complaint narrative:
I have contacted Southwest Credit Systems several times to validate debt of which i have no contract with them. They refuse. Southwest Credit Systems have also fraudlently contine to report to XXXX, XXXX, and XXXX untrue and not validated information. I have no contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I just received the response from the company ARS and they are once again not sending me any signed documents stating this debt belongs to me nor any information pertaining to show that this debt ARS is claiming is mine. Any information they have sent is just showing my name and charges received. It is still not confirming by any signature of documents or anything specific to show the debt from them is my debt. It could have been possible identity fraud due to my social security card, birth certificate, and passport were all lost together so Im trying to validate in anyway to see if this is my debt by a signature, photo in the building etc. I 've already reported my items lost and once again ARS is refusing to show me what signed documents or any information from the hospital they are collecting from that I was the one to agree to any charges. They are not even showing me the original agreement only sending a paper saying the debt is validated from another party and assuming I am the one who agreed to it.

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 2017-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
How is Wells Fargo able to approve me for a  XXXX  Mortgage Modification when the appraisal of the property is  XXXX ? Also, they have charged over  XXXX  on an Interest only pick-a-payment loan and the company settled out of court and was paid off by the government  XXXX  of dollars, and were supposed to use that money to help homeowners get a more affordable mortgage modification. They never have helped the homeowners, including myself like they were supposed to! I would like an explanation of why this is being allowed and how this is legal to do.

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 2017-07-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting a ID Theft account that was removed several months ago,. It was removed and now it is re-reporting again. Police reports as well as other supporting documents have been sent in several times. XXXX XXXX is a FRAUD ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
When I opened checking account withUS bank, bank without my knowledge or my agreement automatically opened line of credit. I did n't ask and did n't agree with that. Later when I had fraudulent transactions and my balance was negative they automatically transferred funds from line of credit. Now they closed my account without my knowledge and expect me to pay this line of credit. I do not have another checking account and did n't want it in a first place.

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 2017-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a VICTIM of Transunion inquiry issue, customer service would not help and take care of the negative inquiries reporting on my credit report, I sent them a certified letter to remove the inquiries and made two phone calls, these inquiries was previously moved off my report and when they had their issues with the inquiries showing back up on credit reports it caused my credit score to go down and I was not notified of this issue and by law they are required to notify me. I addressed this issue with Transunion and they still will not remove these inquires.
<P/>
XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/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 2017-07-12 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: FL

Complaint narrative:
To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by : 1. XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON DATE : XX/XX/XXXX 2. XXXX XXXX -- Unauthorized Credit Inquiry ON DATE : XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX4. XXXX -- Unauthorized Credit Inquiry ON Date XX/XX/XXXXXX/XX/XXXX5. XXXX XXXX -- Unauthorized Credit Inquiry ON DateXX/XX/XXXX 6. XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON DateXX/XX/XXXX I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.
<P/>
I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.
<P/>
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
<P/>
Thank you, 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 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My  XXXX   XXXX   XXXX  is trying to open an account with Wells Fargo. When he presented his social security number, they were unable to give him online access to the account because his social security number is already in use with a customer of Wells Fargo in California. This is crazy, and cements to me that son 's credit identity has been stolen and is being used. Because he is minor, I have been unable to pull his credit report from  XXXX  of the  XXXX  major crediting agencies. And how is a  XXXX  in California using my UNDERAGE SON 'S CREDIT INFORMATION WITHOUT MY PARENTAL AUTHORIZATION?

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 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have been contacted by Trans World Systems. They ask if I am XXXX XXXX and then I said Yes. They said they are calling for XXXX.I ask who they are and they tell me they can not talk to me unless I give them my birthdate, last 4 numbers of my social security number and my address. I only know XXXX XXXX as they were my XXXXYear old mothers pharmacy which she owes a small bill which has been disputed. I have not received any letters in writing and my mother is ill and uses my address. All her mail comes to me. I do not know for sure if this is a collection agency, if they have my mothers name. They are calling 3-4 times a day on the XXXX  number and XXXX. Trans World does not come up on the phone screen only XXXX Fl on the cell with a NY # XXXX  and on the landline-XXXX, fl,XXXX. As they do not say they are a collection agency, they could be scammers. I keep asking them to send me a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXXwhen I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: ME

Complaint narrative:
When I last checked with Fedloan Servicing, They informed me I could submit my   XXXX   loan forgiveness with papers signed on  XXXX   XXXX . I feel like this is just the final and most gregious  XXXX  up in a long list of misinformation by the company.  Today (   XXXX / XXXX /   17   ), I c alled to check on the status. They informed me that that rep was wrong and that I needed to wait until  XXXX   ( 5 full CALENDAR years ). I  am now switching jobs and dont know  if Ill b e eligible. I thought after 5 years of   XXXX   I was all set. I just found out that I am not. When I informed them that this was a  XXXX  dollar mistake that they should be accountable for, they informed me that it was my fault and that I signed the terms that I understood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The servicer refuses to give information regarding the class action lawsuit against XXXX XXXX for XXXX colleges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
Someone have stolen my identity and refinanced my home while I was under wage earner. The case numbers are XXXX which was discharged in XX/XX/XXXX. On XX/XX/XXXX, the loan I had with XXXX XXXX XXXX was refinanced, the new loan is with XXXX XXXX. The loan number is XXXX. IRS brought this to my attention while I was pulling transcripts. I paid XXXX XXXX XXXX off through payroll. Case number XXXX was discharged XXXX. I had no idea that loan had been refinanced, I did n't know that could be done while you 're under wage earner. I thought you were protected by law. That Was The second loan. I need property taxes from XXXX. The property parcel I 'd is XXXX.

Company response to consumer: Closed with non-monetary relief