vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp
State: CA

Complaint narrative:
Back in XXXX I was Contacted By A ( Licensed S. Loan Officer ) By the name : XXXX XXXX in witch he Asserted me that he would be the total point of contact with my loan, And that I qualified if I provided the following Documingtation. A credit report was Pulled. At that time XXXX would constantly communicate with me and all seem legitimate. After the 2nd week. I would never speak with XXXX XXXX again, Only via Email, witch I found very suspicious to begin with. On XX/XX/XXXX I made the attempt to call and find XXXX. Not to be found anywhere. I would call many time and finally, I received a call from XXXX XXXX, in witch he stated a few things I needed addressed on my Appraisal Report. I did all that was needed. three months have passed and I now start to Contact Headquarters at  UnionHomeMortgage. To this day XX/XX/2019 I still have not hear from XXXX XXXX And my loan amount has Increased in amount by adding Rate locks, Creating a larger Loan amount that I originally started. all the Fees are going Up and I now think that this is all done intentionally. I would like to have someone At Union Home Mortgage Contact me direct : XXXX and or have the CFPB look more into this matter. At this point my damages have been substantial. I needed to refi to pay off the Hard Money Loan on property. I now have to start with another Mortgage Company and start the process all over again. New Credit Pull, Appraisal cost, Time, I have to pay an extension fee to the current Lender, Etc. Please Help!! 

thank you.

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 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, I have an account with Bank of America. They are charging me a monthly service fee of {$12.00}. In order to waive their fees, you must have {$250.00} in direct deposits coming into the account on a monthly basis. I get paid twice a month on the XXXX and XXXX and at which point I deposit {$120.00} per paycheck to Bank of America. This totals {$250.00} a month. They have been charging {$120.00} in monthly service fees. The only reason I have this account is because of the fourteen year old account.

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 2019-12-30 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have an American Express credit card. I was three days late making my XXXX payment and they increased my interest rate from 15.24 % to a penalty rate of 29.99 %, and hit me with a {$39.00} late fee on top of that. Since I have a balance of about {$9200.00} this would result in me paying an additional {$1400.00} per year in interest which is three orders of magnitude greater than any harm that Amex may have  suffered by me being three days late paying them. I called their customer service and requested that they reduce the rate back down to the original rate of 15.24 %. The first representative I spoke to was named XXXX, refused to and told that they could do this because it was in the agreement. 
I then asked to speak to her supervisor. Her supervisor was named Mrs. XXXX. She also refused to reduce my interest rate back down to the original 15.24 % and justified it because their account agreement allowed them to do so. I asked her how much me being three days late making my XXXX payment cost American Express. She refused to answer my question. I believe that the cost to Amex of me being three days late paying them was less than XXXX dollars, and they also hit me with a {$39.00} late charge on top of that. So, as far as I can tell they suffered no net harm at all from my being three days late paying them. I asked to invoke their dispute resolution process and Mrs. XXXX claimed that she did not know what I was talking about. 
I also noticed on the CFPB website that credit card companies can only increase interest rates if you are more than 60 days late. I was only three days late in this case. 

Under commercial law the contract clause that Amex relied on to increase my interest rate to 30 % is considered to be a liquidated damages clause. In the case of liquidated damages Amex is only entitled to an amount commensurate with the harm they sustained by me paying them 3 days late. Since interest continues to accrue and they charged me with a {$39.00} late fee on top of increasing my interest rate to 29.99 % they have suffered no ascertainable harm. They have used my misfortune that caused me to be three days late paying them to unjustly and grossly enrich themselves to the tune of about {$1400.00} in addition interest I will have to pay them in the next year, and every year afterward at my current balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
As I always do, I made an online payment to my Target Red Card with my checking account. I made this payment on XX/XX/2019. This payment was deducted from my checking account on XX/XX/2019 and cleared my bank the same day. This payment was not returned and Target has their money. However, Target REFUSES to release the funds to my account. I have e-mailed and tried to get this issue resolved. They REFUSE to tell me how long that they hold payments for. They keep saying that it is close to clearing. It is now XX/XX/XXXX THIRTEEN DAYS LATER and they still have not released the payment. There is absolutely no reason why they should be holding my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc.
State: DC

Complaint narrative:
University XXXX XXXX XXXXXXXX XXXX sent me a bill for {$360.00}. I paid {$150.00} on that account and because I was in XXXX for XXXX and not making the payments fast enough, they sent the account to a collection company called ACEI.  Unfortunately, they lied and told ACEI that I owed almost {$390.00}. They also failed to report to ACEI that I had paid them {$150.00}. ACEI began trying to collect the erroneous amount of {$390.00}. I disputed the amount and also asked that I be credited for the {$150.00}. I paid the remaining balance on XX/XX/19 -- which satisfied the original debt of {$360.00}. 
ACEI continued to harass me and tried to collect because University XXXX XXXX   REFUSED to tell the company that I had already paid {$150.00} Before they even sent it to collection. I have PROOF of the initial bill plus every single payment I made to University XXXX XXXX AND ACEI ( see attached document ). The payments of {$100.00}, {$50.00}, {$210.00}, and {$10.00} are highlighted. Simple math will reveal that they satisfy the {$360.00} bill. 
Once UNiversity XXXX XXXX  XXXX XXXX sent false information to ACEI ( they never told them I had paid {$150.00} of it ), ACEI then broke every consumer law,  including the FCRA, by posting derogatory information to my credit report on XX/XX/19.  Although I only had ONE account with University XXXX XXXX  XXXX XXXX ( account XXXX ), ACEI falsely indicated that I had 4 accounts. That act allowed them to hit my report with 4 different collection accounts. I don't owe ACEI or UNiversity XXXX XXXX XXXX XXXX ONE penny. The {$360.00} was PAID IN FULL by XX/XX/19. I blame UNiversity XXXX XXXX XXXX XXXX  JUST as much as I blame this predatory company, ACEI

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 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Cancellation Debt Discharged per IRS 1099-C in XXXX XXXX ID XXXX States this debt charged off sold to debt collector I have Notified USAA XXXX XXXX XXXX they still try to collect this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: DISCOVER BANK
State: SD

Complaint narrative:
In XX/XX/2019 I submitted a fraud claim with Discover Card. I was notified on XX/XX/2019 that the investigation had been closed and that all unauthorized charges had been credited ( see attached ). I have still not received these noted funds of {$1100.00}. I have called multiple times and continue to be told the funds will be in my account within 12-14 days. The first time this was noted was on XX/XX/2019 by XXXX at XXXX. I called again on XX/XX/2019 at XXXX was spoke with XXXX who notified that the investigation was incomplete so they could not process the transfer and send me the funds of {$1100.00}. I again spoke with someone at discover on XX/XX/2019 at XXXX who notified me that they would transfer the funds after the credit refund team had time to review the claim. I have been given no reason to believe they will actually transfer the funds as they continue to say they will. I have also asked that any account in my name at discover be closed and have continued to fight them on it. I also have no reason to believe they have actually closed any of my accounts as requested based on the letter I received on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: NY

Complaint narrative:
i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: NY

Complaint narrative:
i am filing this complaint because experian, XXXX and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

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 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am having a very difficult time with Bank of America. I am now retired and have a reduction in income. I am requesting a modification review. I submitted the modification packaged at the end of XXXX. I have been updating documents for the past 60 days. I made one simple mistake on the RMA and can not get BofA to look at the correction and send my file to the investor for a decision. BofA is simply not allowing my file to move forward and keep asking for the same documents that do not exist. I have sent in multiple letter of explanation to try and correct and nothing gets resolved. This is beyond dysfunctional and I feel like it is predatory lending.

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 2019-12-30 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: NY

Complaint narrative:
i am filing this complaint because XXXX, transunion, and XXXXhas ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

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 2019-12-30 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/XXXX I made a payment of {$22.00} to PayPal Credit and {$23.00} to PayPal MasterCard. Both payments were " refunded '' on XX/XX/XXXX. My bank ( XXXX ) has NOT, I repeat NOT received a request for the payment. I have over {$18000.00} available to pay these two little amounts. It has nothing to do with XXXX. Synchrony has in internal issue they refuse to investigate. They have damaged my credit and I want a THOROUGH investigation into their system to determine the correct this issue and restore all my accounts along with an apology letter for the damage to my credit and lack of customer care over the past six months. 
LIKE LAST TIME, I HAVE INCLUDED MY ACCOUNT ACTIVITY FROM THE PAYING ACCOUNT! USE IT INSTEAD OF LECTURING ME ON THE DEFINITION OF A " RETURNED '' CHECK. WHICH IS A TERM NEVER USED ON ANY OF THE ACCOUNTS AND WHICH HAS NEVER HAPPENED!. READ THE TRANSCRIPT FROM XXXX STATING SYNCHRONY HAS NOT BEEN SENDING ANY REQUESTS FOR THE PAYMENTS I HAVE AUTHORIZED!!!! 
THE ONLY THING DISHONORABLE HERE IS THE ATTITUDE AND NEGLECT OF SYNCHRONY BANK. ZERO PROBLEMS WITH TWO PAYPAL ACCOUNTS FOR THREE YEARS! AGGRAVATION AND ATTITUDE EVERY SINCE.

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 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We have been customer of TD Bank ( XXXX ) since XX/XX/XXXX. Around XXXX, we also became customers of TD Bank USA and currently deal with their store at XXXX and XXXX  XXXX in XXXX. Credit cards were opened in XXXX in XXXX and later ( around XXXX ) in the USA. 

We used our US VISA account and decided not to make a payment until I could be sure that the charges were proper. Please note that this is not an issue in XXXX since I am provided with all the details on line during the month followed up by a mailed printed statement. However this does not occur with TD US Visa. However, they decided to reduce my credit limit from {$20000.00} to {$1000.00} where it sits currently which I find unworkable and have been phoning them regularly requesting it be increased. I shortly after decided to pay the whole amount to put this matter to an end. 

They later followed up with 3 letters stating they are unable to approve a credit limit increase because of : serious delinquency time since delinquency is too recent or unknown too few accounts currently paid as agreed lack of recent installment loan information I have no other obligations or accounts with a debit balance that I am aware of. If TD VISA has different information I would like to know about it. But why would they make this statement and refer to installment loans since we have never had one. Also please note that our chequing account bank balances in XXXX and the USA are over {$100000.00} and have been for some time. They say that XXXX provided information that influenced our decision - how can they get information since we do not have a social security number. 

TD apparently does not have any intent to properly handle this matter and is dealing with it in an offhand matter. Also please note that a previous TD USA credit card had a date expiry date of XXXX. I tried to pay for a meal on XX/XX/XXXX, that year but was told that my card had expired. So it seems that TD is playing with their customer 's good will. I would venture that universally every one knows that a card so described expires the last day in XXXX, not the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
COMPLETE AND TOTAL FRAUD. THE ACCOUNT IS OVER SEVEN YEARS OLD. THEY ARE NOT CORRECTLY REPORTING THIS IT SHOULD BE REMOVED PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a case file in XXXX with the number : XXXX, and citi case : XXXX. Basically, we rented car from XX/XX/XXXX at XXXX for total amount of XXXX XXXX XXXX, but XXXX charged me with XXXX USD on XX/XX/2019, after disputed, refund me with XXXX USD on XX/XX/2019. BUT THIS IS STILL NOT RIGHT. 

please be reminded, this was happened in XXXX, I was supposed to be charged with XXXX XXXX, please see my original rental agreement nad final receipt I attached.

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 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am experiencing continuing service problems with PayPal. 
Problem # 1 - adding a bank account. The attempt produced a repeatedly consistent error message and I was asked to " contact Customer Service ''. " Customer Service '' is an offshore operation comprising of automated " Virtual Agents '' offering no help except quotes from the online FAQ, and after several messages from these " Virtual Agents '' you eventually get an actual person who usually communicates in broken English and is not much better. Summarizing from the chat logs, I asked the Agent why can't I add a bank account to my PayPal account, and get a " try again later '' message. Agent replied " I see this action is being stopped by our internal security system '' and offered to " run verification '' by " texting my main mobile number on file ''. I DO NOT have a " main mobile number on file ''. Agent argued that I did - after I specifically REMOVED all mobile numbers from my account. After continuing useless conversation and several attempts to explain that my number is a landline, Agent asked if he can " text '' the landline. After I got upset at this complete and utter incompetence and told the Agent to go XXXX himself, he complained about " profanity ''. I don't want to hear complaints from sensitive " Agents '' about profanity, do your XXXX job and there will be none! It took three days to add the bank account. Problem # 2 - adding money from the already confirmed bank account. Again, an error. " There is a problem adding money from your bank account, please contact us ''. Again, the " Agent ''. Agent sent me a broken link, advised me to " try different browser '' and " wait 24 hours '', among other useless informaton. After this - same error. Then, again, the sensitive XXXX complained about profanity and finally said " our system has determined that something about this specific transaction is a potential risk and we are not going to allow it to go through ''. All this about a simple transfer of less than a hundred dollars from a confirmed bank account to a working PayPal account I have had for 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: WI

Complaint narrative:
I have had over {$66000.00} of capitalized interest added to my student loan balance over the past 7 years - all because I didn't do my yearly recertification for my income driven repayment plan in a timely manner. I understand that I must take some responsibility for failing to do the recertification, but I think that nearly {$70000.00} added to an account without any recourse is insane. I have continued to make my monthly payments, but I was ignorant as to why my account balance was going up until now. I spoke with XXXX and XXXX at FedLoan servicing on XX/XX/2019, and they informed me that there is nothing they can do. 

The notices they send out for recertification indicate that capitalized interest may be added to the accounts. It doesn't indicate the amount or that it is a guarantee. Worse, it doesn't list an amount of interest that will be added for failure to recertify. I should've asked questions before today, but this practice has to stop. I work hard trying to do the right thing and pay my loans back, but under this system, I will be paying forever. I hope that someone can look into this if not for me, then other people to come.

Company response to consumer: Closed with explanation