vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Around 2013 I got into IBR with XXXX XXXX at that time. The person who set up my loan repayment said that because of my income I would not have to pay anything. Immediately that changed. I received coupons in the mail telling me I had to pay about XXXX bucks a month. The next year the payments went to about XXXX/mo. My INCOME had gone down. So why were my payments going up? Then after paying for about 2 years I received notice that my loan payment would DOUBLE the next year to about XXXX/mo, after that it would go to XXXX/mo. How is this possible under IBR? When I called to discuss this with the company who had then become " Navient '' they gave me a run around that I was no longer in IBR since it was no longer available and that I had to get into a new plan. The woman on the phone was very nasty to me with this information. Since then I have received over 100 phone calls from them from different numbers every time and sometimes they use my old area code to call me trying to get me to answer them, I do n't. This is not because I do n't want to make some kind of arrangement but because I read on forum posts constantly about these tactics and that they even have you pay then say you never paid and put you in default. Now i go to the Navient website and it says I have a XXXX balance and that my loan was paid off by XXXX XXXX. When I try to call XXXX XXXX directly using numbers found on the internet I get Navient on the phone, or some other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I received a letter from Credit Collection Services in  XXXX , MA about a debt they claim to have that is suppose to be mine. I reached out to them as soon as I got the letter and sent a debt validation letter where they are required to : Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.  <P/> I also asked for proof of them being licensed in NC where I live and is a requirement for debt collection to be licensed/bonded here in order to try to a collect debt in NC. I only received a letter back with no proof of being licensed, and debt not being validated correctly per the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last XXXX, I applied for a credit card at my XXXX XXXX XXXX XXXX, and at XXXX XXXX XXXX.
My credit score, according to Experian, was XXXX, I have NO debt and all my bills paid way ahead.
Currently, I have only one credit card, XXXX XXXX, and its in a constant use for ten years.
XXXX denied me any credit, because Experian ( which they are dealing with ) did n't let them see my information ; it was a Freeze on it.
XXXX XXXX XXXX refused me any credit, as well, due to my phone number missing on that file they were supposed to view.
I did call Experian on XXXX XXXX, and had a 40-min-long pleasure talking to their XXXX, in XXXX XXXX. He assured me that from now on, my phone will be on my file, but could not explain, why the XXXX it was n't there to begin with.
On XXXX XXXX, Monday morning, I called Experian, again. This time I asked to talk to USA personnel. Guess what, over an HOUR later, their lady - Manager, with initials XXXX, still did n't have my phone number on file that banks need to see, two months later, and she also had no clue, why Experian 's staff fails to type-it in, over and over and over again.
By the way, Experian 's staff is so challenged that nobody noticed that my only phone number was repeated twice, on p.2 of 4 : " The numbers you provided when adding this alert are : XXXX and XXXX. '' But when XXXX XXXX XXXX needed to see it - it vanished ...
<P/>
Because I have applied for a credit card twice, at two different banks, my credit score of XXXX  went down significantly, and I never got any approval.
<P/>
Report # 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 2017-07-13 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I have never opened a Home depot account. It 's fraud. Opened XX/XX/XXXX balance as of XX/XX/XXXX {$1700.00}. Just found it on my credit report I pulled and disputed thru XXXX credit reporting.. Needs to be closed/find out who it really belongs to. Have had fraud alert on account from XX/XX/XXXX when wallet was stolen with everything in it. NEVER HAVE HAD AN ACCOUNT WITH THEM.. Please take it off my credit report.

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 2017-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Thu,  XX/XX/XXXX  at   XXXX   XXXX  ,   XXXX   XXXX    wrote:
Dear   XXXX   XXXX  ,
CEO Capital One

I am contacting you re the abusive policies at Capital One  Regarding my Mastercard ending   XXXX   and VISA ending  XXXX  accounts.

I have for several months paid regularly in an effort to bring down my balance on these accounts.  Several times I see that you have charged me with late charges in spite of the fact that I have made regular payments more that the minimum required like clockwork!!!!!  Please see the attached proof of payments.....that you would treat me like this is abusive.  I pay and pay and the balance never comes down even though recently I have not initiated any new transactions.  NOT FAIR!!!!
What the heck is your justification for these fees?  It is because of YOUR fees that my account has go over limit!  Not due to my over indulgent spending.!!!  

You will personally see to it that all these fees are removed from these accounts by close of business on  XX/XX/XXXX and send me a personal confirmation that this has been completed.  If I don't hear back from you by then I will initiate a class action against Capital One and   XXXX   XXXX   for abusive practices regarding interest rates and punitive fees to customers.  Just on   XXXX   there are over 3,480people who have complaints about your business practices.  I know that there are a myriad of complaints regarding your bank and also several other class actions at $ XXXX  that you have had to pay regarding harassing phone calls to customers.  But there may be more coming re actual banking policies.  You need to implement fair and realistic policies regarding revolving accounts at the corporate level or face the consequences of a constant barrage of complaints and bad PR to your company.  I have had it with abusive bankers who are making obscene profits on the backs of working and retired people.  I will be draft a legislative bill to send to my Senators and Representative in both the Federal and State levels to deal with the abuses of the financial corporations.

The choice is yours.......do the right and moral thing here and restore my accounts by removing all extra fees other than interest and you will adjust the interest rate to 12%.  Then recalculate the actual amount owed.  Anything more than 1% per month is abusive.

-- 
Best Regards,   XXXX   XXXX   XXXX     XXXX   XXXX   This letter will be posted to FaceBook on a special page to garner support to fight back against abusive banks.

--

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: GA

Complaint narrative:
They keep repeatedly dinging my credit reports with false info. It is my son 's debt. They change the dates and for 3 years in a row keeps getting put back into my credit reports in  XXXX  with a new date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion had a computer glitch in which several of my inquiries were deleted, then placed back on my credit report - I did not receive any notices 5 days prior to them re-adding the inquiries to my report - I contacted Transunion on  XX/XX/XXXX   in good faith to ask them to delete the inquiries that they illegally placed back on my report - I am in the process of trying to purchase a home for myself and my children and this mishap has caused a major hardship with this process. It is causing major questions about my credit report, why all of a sudden do I have so many new inquiries showing, etc etc etc, I have had to put off trying to purchase for 30 days, which, as I 'm sure you well know, means the home that we want will be sold to someone else in that timeframe.

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 2017-07-13 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: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
Because i was trying to pay  XXXX  a month and the interate keep going up was trying to explain to them that i am on a fix income and all i could pay is  XXXX  a month and they told me i had to pay  XXXX  are my interate will keep going up which i dont have  XXXX  a month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
I called in to my mortgage servicing company, Rushmore Loan Management, to complain that I have not received any monthly statements for several months. The servicing company advised me that since I have gone through a chapter XXXX  bankruptcy, that I would have to send a letter stating that I re-affirm the loan before they will send me statements, that it was a new company rule that went into effectXX/XX/XXXXXX/XX/XXXX. The problem is, the bankruptcy debt was discharged XX/XX/XXXX and I have been getting monthly statements from them with no issues since them. They have just begun to hold my statements hostage as of XX/XX/XXXX. I advised the customer support agent that at the time of the bankruptcy I was working on a loan modification and that I had signed a loan modification agreement, in effect taking on a new loan outside of the bankruptcy and that I have been on time with payments since the new agreement went into effect. The CSR advised that I would still need to send a letter stating I re-affirm the debt or that they will not send me monthly statements. I believe this behavior violates the periodic statement rule outlined in 12 CFR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a HELOC with Wells Fargo ( WF ). As I am in the process of selling the property attached to the HELOC, my realtor asked WF for a payoff amount. He was told that the amount owed was over {$9000.00} more than what I understood as the balance of {$13000.00}. ( This is the " balance '' as reported on the WF website, and when I call in. ) The reason for the discrepancy is over {$9000.00} of accrued interest! See the attached for how " balance '' is reported. It is not the " total balance '' at all, which is misleading. <P/>In 2008 I applied for an received a hardship refinance of the HELOC that lowered the interest rate to less than 2 %. I had the understanding that this was for the life of the loan. I set up my payments at the amount needed to cover the interest at 2 %. I have made those payments without fail until present. Apparently, a year later, WF increased the interest rate to an astounding and incredulous 15.8 %! <P/>I have several accounts with WF ( see attached ) and not one of them is delinquent, or has exorbitant accrued interest like this account, and I always make my payments. In fact, none of my assets have ever accrued such an absurd amount of interest. <P/>WF has refused to offer any relief of the accrued interest. As a supposedly valued customer, I am terribly disappointed that, first, they never contacted my about the interest getting so high, that they provide a misleading and deceiving " balance '', and that they will not provide any relief. I have been a reliable customer for many, many years.

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 2017-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On Sat, XX/XX/XXXX  at   XXXX   XXXX  ,   XXXX   XXXX    wrote:
Dear   XXXX   XXXX  ,

Once more I need to contact you re the abusive policies at Synchrony Bank.  Regarding my   XXXX   account Nr. ending  XXXX  and   XXXX   Account ending   XXXX  .  

I hav NOT made any purchases for several months in an effort to bring down my balance on these accounts.  Several times I see that you have charged me with late charges in spite of the fact that I have made regular payments more that the minimum required like clockwork!!!!!

What the heck is your justification for these fees?  It is because of YOUR fees that my account has go over limit!  Not due to my over indulgent spending.!!!  

You will personally see to it that all these fees are removed from these accounts by close of business on XX/XX/XXXX  and send me a personal confirmation that this has been completed.  If I don't hear back from you by then I will initiate a class action against Synchrony bank for abusive practices regarding interest rates and punitive fees to customers.  I know that there are a myriad of complaints regarding your bank and also several other class actions that you have had to pay regarding harassing phone calls to customers.  You need to implement fair and realistic policies regarding revolving accounts at the corporate level or face the consequences of a constant barrage of complaints and bad PR to your company.  I have had it with abusive bankers who are making obscene profits on the backs of working and retired people.  I will be draft a legislative bill to send to my Senators and Representative in both the Federal and State levels to deal with the abuses of the financial corporations.

The choice is yours.......do the right and moral thing here and restore my accounts by removing all extra fees other than interest and you will adjust the interest rate to 12%.  Then recalculate the actual amount owed.  Anything more than 1% per month is abusive.

-- 
Best Regards,

 XX/XX/XXXX   XX/XX/XXXX  This letter will be posted to FaceBook on a special page to garner support to fight back against abusive banks.

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 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK
State: OR

Complaint narrative:
I called the bank to close my account in  XXXX  of  XXXX  ( I do not have the date on me now, but I can access it via phone records ) while the balance was {$0.00}. I found later that they never closed the account, and assessed fees for inactivity. I assumed it was an honest mistake.  <P/> I called again on the  XXXX  of  XXXX , I asked that the fees be refunded and that the account be closed as it should have several months prior. The fees were refunded, but the account was n't closed as I was told it was. I have email proof of the refund on that date ... BUT.  <P/> On the  XXXX  of  XXXX , I received another notice that the account was assessed fees for no activity in the account. It appears for a second time that I was told over the phone my account was closed, and they ended up not closing it.  <P/> This appears to me to be a deceptive practice in order to try to assess fees for account inactivity, when I have tried now multiple times to close the account when the balance was initially at {$0.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 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: GA

Complaint narrative:
I called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX. My ssn is XXXX, address is XXXX XXXX XXXX XXXX XXXX, IL XXXX. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX on XX/XX/XXXX at XXXX XXXX CST, explaining that I was fully aware of the two separate glitches and that my inquiries were deleted and then re-added to my report once the glitch was discovered. XXXX refused to deleted the inquires that were made from XX/XX/XXXX. These inquiries add a hardship and that my rights were violated by TransUnion. I am asking that Consumer Financial Protection Bureau to help me make TransUnion stop victimizing me. I am asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
My mortgage was transferred from XXXX XXXX to BSI Financial Services XX/XX/XXXX. I filed for bankruptcy XX/XX/XXXX to avoid foreclosure ( Ch-XXXX ). My mortgage at XXXX XXXX was modified XX/XX/XXXX and the new mortgage amount added all fees and back accrued interest. This modification was confirmed by the United States Bankruptcy Court. When XXXX XXXX sold the loan to BSI Financial, BSI had it classified as a delinquent loan in Bankruptcy even though the loan was modified and current. All monthly payment are made on time and current. I spoke to XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from BSI and everyone refused to speak to me about my loan. I do n't receive statements or monthly coupons from BSI. The only letter I received from them was a Notice of Servicing Transfer. I was informed by my Home Owner Insurance Company my policy was terminated due to non-payment even though the mortgage is escrowed. My attorney spoke to BSI in XX/XX/XXXX and faxed the necessary documents on XX/XX/XXXX to allow BSI to speak to me and update their files. I have left 3 voice mails to XXXX XXXX ( he is assigned to my loan ) without any return phone calls. Without monthly statements I do n't know if my Home Owner insurance is current or if they have been paying my real estate taxes. I started doing research on BSI Financial and see they have a history of consumer complaints. I thought it best to file a complaint since my efforts and my attorney 's efforts have been ineffective.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: GA

Complaint narrative:
I called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.

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