vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Why does my interest rate keep increasing and decreasing at random? I have been paying on this loan sinceXX/XX/XXXX and the principal and interest keeps flucuating. Example : on XX/XX/XXXX the interest payment was {$120.00} but on XX/XX/XXXX it was {$130.00}. On XX/XX/XXXX the interest rate was {$120.00}. 

This is a Wellsfargo account, and I have automatic payments. Please help with this concern. 
Thank you, 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 2017-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit managament can not prove ownership of debt, provide itemized charge or letter from credit originator. I have contacted them three times trying to verify debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I disputed this debt with the credit bureaus and directly with the collection agency via certified mail. At no time did I receive any documentation that legally verifies this debt. I have not even received correspondence from this company at all except for the original letter. Congress states that the only legal verification is the physical documentation that was filled out when this account was opened and this documentation was never sent to me. In addition, I 'm pretty certain that a company can not just state that the debt is mine, or else anyone can state that anyone owes them money. Where 's the proof and why ca n't this company produce it? I never stated it was identity theft, I never stated that it was n't mine. What I am stating is that I do not recall this debt and that I know my rights in regards to items reporting on my credit report : they must all be legally verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
In XXXX XXXX, I noticed a significant increase in my credit card bill which I utilized for medical treatment. I am an XXXX XXXX service member and am struggling significantly with finances due to frequent combat deployments and military relocation. I have requested that Care Credit waive this nearly {$2000.00} interest fee, and they have opted not to respond. My family and I have served 13 years in the XXXX XXXX and have been devastated by exploitative civilian companies who prey on service members due to our lack of options with relocating. I have been abused, oppressed, and exploited by companies similar to Care Credit due to lack of options and being forced to relocate at the demand of the government.

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 2017-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX is reporting on my credit report that I 'm deliqute when I 'm not that added more m onwy on to my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
This debt is being reported by the credit bureaus as being owed by me. I have sent two letters - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - to this collection agency requesting verification that the debt ( {$3000.00} ) is mine, including my signature agreeing to this debt. This collection agency responded to the first letter saying, but not providing proof, that this is my debt. The second letter has not been responded to. I am requesting that since they can not provided indisputable proof ( my signature ) that this account be removed from my credit reports and that this collection agency cease and desist from trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX my father was going to pay off my credit card as a birthday present.when he logged into my online account to make the payment. He accidentally made it from my old bank account instead of his. I made several attempts to have this account removed from my log in but was told it had to stay on file.when I realized what happened I called in that same day on the XXXX to reverse the payment. The associate I talked to told me it was no need to reverse the payment. She told me when the payment was returned just have him make another payment. The payment was n't returned in till the XX/XX/XXXX I called in today to make the right payment and was told my account was closed because if the initial returned payment. When I spoke with a supervisor today on the XX/XX/XXXX I  was told there was nothing they could do to reopen my account. I would have to just reapply. This issue is not only going to negatively effect my credit it was bring my score down even more when I reapply. Which is ridiculous the original associate from the XXXX should have reversed the payment like I requested instead of telling me not to worry about about. I have had this account for almost two years I have never been late or missed a payment and now its closed due yo an associate misinforming information and not doing what I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi, my name is XXXX lent and I have a serious issue with td bank and my home equity line of XXXX received the loan account number XXXX on XX/XX/XXXX.everything was well until XXXX, XXXX and XXXX of XXXX and here is what happened, I noticed on my XXXX statement that my account was in arrears, I called td bank customer service XXXX to find out what happened, and together we figured out that the branch were I got the loan had closed, and my payments were never forwarded to the proper place.so I understood and remade the payments with a check from my ready cash loc from my personal institute, hvfcu.i was told all fixed, but then on my next statement it said I was still behind, so I called again this time to be told they do n't take checks from a line of credit? what is going on they do n't know there own policies.paid again with my debit card and received a new address to send my bill pay payments which I use for all my bills including this XXXX from the start.i have proof I 've never missed a payment.bank statements to prove it.all was good until XXXX XXXX when a loan XXXX called to say I needed to refinance this loan for the next XXXX year draw and interest only pay period, well thanks to td bank I was reported to the credit bureau that I missed these payments and could not refinance.wich I was never made aware of, I was told it was a XXXX year draw and interest only loan.now the payment went from XXXX to XXXX and by the way we raised your interest rate to XXXX percent from XXXX. I have made several attempts to resolve this over the phone and in person. I was even told I was not a customer by a mr.dewight gillens of the XXXX, XXXX, ny XXXX and was told to leave he would not look at my statements.also was giving a name and number of someone who I was told was handling this case, XXXX crow phone # XXXX whom has never once answered my calls or called me back.please help me, save my home from this obvious predatory lending.next step is a lawsuit with the help of my attorney XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed this debt with the credit bureaus and directly with the collection agency via certified mail. At no time did I receive any documentation that legally verifies this debt. I have not even received correspondence from this company at all except for the original letter. From Experian I only received statements saying this debt was verified and then other statements saying that they will not reinvestigate this unless I have a letter from the creditor or courts. This is not legal! They can not just state something has been verified with absolutely no proof of it. This means that I can randomly choose any employ that works for Experian and state that they owe me {$20000.00} and send it over to a collection agency and no one will have to prove anything. Congress states that the only legal verification is the physical documentation that was filled out when this account was opened and this documentation was never sent to me. Congress further states that the buren of proof is on them and not me, so why am I being told that this has been verified with no proof and that I have to solve with the original creditor and the collection agency is giving me the same run around? Why is no one being forced to comply with the FCRA and FDCPA? Section 609 protects me against false reporting of the credit bureaus and this section mandates that the original paperwork that was filled out when this account was opened be sent to me bearing my signature! Changes to the laws last year make it so that the only items that can report on my credit file are the ones that I ever agreed to pay or owe a debt, so if no one can prove that I ever agreed to pay or owe it, then it must be deleted! 

I do NOT want a reply to this complaint from Experian stating that my name, address and SSN matches what the collection agency has - this is NOT legal proof and would not stand up in any court of law. If I take both Experian and the collection agency to court, what are they going to show the judge? They 're just going to say " I pinky swear he owes it? '' In addition, I 'm pretty certain that a company can not just state that the debt is mine, or else anyone can state that anyone owes them money. Where 's the proof and why ca n't this company produce it? I never stated it was identity theft, I never stated that it was n't mine. What I am stating is that I do not recall this debt and that I know my rights in regards to items reporting on my credit report : they must all be legally verified.

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 2017-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account at Bank of America and applied for a Visa Debit Check Card. I received a temporary card that is misplaced or even stolen. I need to file this complaint to assure that no fraudulent activities occurred on the missing temporary Visa Check Card.

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 2017-08-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I filed my first complaint on this company XXXX/XXXX/XXXX. My complaint number is XXXX for items that were purchased on XXXX in the amounts of {$280.00} & {$320.00}, They waive these items but did not reimburse me for the whole dollar amount. Which should have been {$600.00}. They only reimburse {$480.00} and then they applied an unauthorized charge of {$450.00} to my account. I 'm providing my XXXX statement as my proof.On my XXXX statement, an item that I purchased on XXXX for the amount of {$1100.00} had a current balance of {$960.00}. I noticed in XXXX that same item had gone from {$960.00} to {$1100.00}. This item was purchased on a promotion and should not have incurred interest or even went up in price that only thing I did was make a payment for {$32.00}. I have included a copy of my XXXX purchase invoice. I reached out to XXXX XXXX XXXX XXXX around XXXX and around XXXX she stopped returning my calls.My current balance on my statement says {$1600.00}. But, I noticed when I add all my items up it 's only {$1500.00} that is a difference of $ XXXX.Since XXXX I have been getting the run a round on non-promotional balances and so call interest incurring on them. My statement does n't show and I was told I do n't have any non-promotional balances. But when customer service ca n't explain the interest that 's on my account they try and say it 's a non-promotional balance but ca n't tell me what the item or balance is

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 2017-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armcon Corp
State: TX

Complaint narrative:
I discovered an account listed on my credit report for {$2200.00} on XX/XX/XXXX. I proceeded to dispute the trade line with the collection agency via FDCPA dispute letter dated XX/XX/XXXX. They have not responded to my dispute letter. I have submitted dispute reports to both credit bureaus as well. I have notified the Attorney General of the State of Texas as well, as they operating illegally in regard to the Texas Debt Collection Act. They do not carry a bond and are not registered with the Secretary of State or Texas Comptroller. They do not have a registered agent in Texas for service of process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Approximately, XXXX weeks before XXXX XXXX, XXXX when the transaction for the amount of {$530.00} from XXXX XXXX XXXX XXXX DFS ) on behalf of the account ending in # XXXX was charged to my Bank of America checking account, I remember receiving a call from the XXXX representative while I was driving back home from the University XXXX Texas, XXXX. During that conversation, I recall the representative asking me to set up a payment plan for my credit card account then existing with them XXXX DFS ), which had been already delinquent for the past few months. I remember saying to him that I did not have the funds required to make the payment and asking him instead to call back in the next XXXX weeks or so to discuss the payment. He/She would not budge and kept pressuring me to reply in the affirmative. Suddenly, the call got hung up. The next thing I know was that they ( DFS ) had already charged my checking account for the specified amount without my explicit authorization. I also remember contacting both BoA and DFS regarding this transaction to no avail, and the BoA representative instead referring me to the XXXX for reversal. There was nothing else I could do and found myself absolutely helpless. All the while, the non-sufficient fees and the overdraft fees charged to my checking account kept piling up, and by the end of the year XXXX, had already accumulated to {$1200.00} and {$1100.00} respectively, amounting to the total amount of fees charged for the year being {$2300.00}, as per the BoA statements enclosed herewith. 
Please be also aware that the BoA ended up closing my account in XXXX of XXXX with a negative balance of $ XXXX as of 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 2017-08-27 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
On XX/XX/XXXX a representative from XXXX ( XXXX XXXX ) signed my return certified mail receipt XXXX ; for a dispute letter that I sent. On XX/XX/XXXX I pulled my credit report which is past the 30 day allowance which was XX/XX/XXXX. Barclays have failed to mark my account disputed which is a FEDERAL and STATE violation, to be exact Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the REQUIRED 30 day allowance.

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 2017-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Care Credit/Synchrony Bank notified me that a promotional expiration date was expiring but did not notify me that I needed to 1. Make a payment to pay off the promotional balance of {$920.00} separate from the monthly payment of a total balance of {$2600.00} all of which was accrued for dental related services.
2. The interest charge was retroactive and totaled {$460.00} on a principal of {$920.00}. If Synchrony Bank had made it clear to me that I needed to make a separate payment to pay off the balance so as to avoid these high interest charges, I would have made the payment. The notification was cryptic and confusing and I believe reflects a deceptive practice on the part of Synchrony Bank.

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 2017-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I found this debt listed on credit report, therefore I sent a dispute letter in accordance of FDCPA and Texas Debt Collection Act on XX/XX/XXXX ( attached ). On XX/XX/XXXX I received this response ( attached ), requesting more time. National Credit Adjusters continues to report this debt on my credit reports so I have disputed to the bureaus as well, according to FCRA. They are violating FDCPA, Texas Debt Collection Act, and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
XXXX of XXXX : I have an XXXX done on my shoulder to determine if I need XXXX. This is done at XXXX XXXX XXXX in XXXX XXXX, IL. 

XXXX is done, and this all gets billed to insurance. By XXXX of XXXX I have all my bills situated, and run through insurance, have all the statements for what 's due in hand. 

Come XXXX of XXXX I get a bill for XXXX from XXXX Diagnostic Imagining for my XXXX, warning that this bill will be sent to collections if not paid by a date in XXXX. This was the first bill I ever received from them, so I paid it the first week of XXXX. 

Fast forward to XXXX of XXXX I get a collections notice in the mail from XXXX XXXX and XXXX XXXX in XXXX, IL. I filed a claim with transunion claiming I payed the bill, but XXXX XXXX never removed the claim from my credit history. I also sent them a certified letter the first week in XXXX with proof of payment to the original company and they still have not removed my collection from my credit history. 

This never should have been there in the first place, and my credit has taken a huge hit over a bill I payed, and now the debt collector refuses to remove 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 2017-08-27 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I notified Capital One Credit Card that my card information had been stolen and to close account, issue a new card, and to stop all automatic payments the person had put on card without my authorization. Captital One ignored my request andcontinued the unauthorized automatic payemnts to several companies ... running my bill up to approximately {$2800.00}. I believe I owe them approximately {$1500.00} and have offered to pay that month with {$100.00} installments for 15 months. They have refused my offer and have now involved an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: NJ

Complaint narrative:
All the inquiries fromXX/XX/XXXXandXX/XX/XXXX are not from me. Somebody has been applying for things in my name. The only valid one is for XXXX XXXX. I had to place a fraud alert on my credit because somebody has my information.

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