vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I tried three times calling BoA to close my saving account. However, I have never been connected to a customer representative for over 20 minutes waiting time.

Every time I made a phone call, the system asked me to wait, but finally, the background music stopped and no customer representative spoke to 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 monetary relief
Consumer complaint received 2018-01-06 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
hi my credit card company charges 2 time interest every month 1 they take from my credit cart automatic.other one i have to pay minimum payment every month, XXXX/XXXX/XXXX they took XXXX INTERESTCHARGE ON PURCHASES {$190.00} this amount they took from my credit card, and i paid monthly minimum amount.they do not have to take 2 time interest please help 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 2018-01-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I applied for a credit card with XXXX XXXX and they use XXXX XXXX to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact XXXX to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I applied for a credit card with XXXX XXXX and they use XXXX XXXX to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact XXXX to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.

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 2018-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied for a Capital One Credit Card and was declined. I have a XXXX FICO Score and do n't understand why I was declined. 

Can you please let me know why I was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
After graduating I looked for options on how to consolidate my Student loans. I was able to do this with all outstanding loans except Navient. I was told it could not be consolidated with Government loans. My record during the entire process was always to pay the interest only during school after graduation I along with my mom we tried to position all of my loans into a affordable position. When we originally borrowed this money we told that after 2 years of favorable repayment that the co signer could be removed only for this to be a lie. 
Last year 2016 my mother sent in a cfpb complaint only to be told it had to come from the borrower. But now it is ok to harass her now without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Date of incident : XX/XX/XXXX Date of emergency visit : XX/XX/XXXX Amount I have to pay : {$3100.00} Company I contracted XXXX XXXX from : XXXX XXXX. 
Collections company : Amcol systems Hello, I was told to reach out to yall regarding this on going issue I have been facing with XXXX  XXXX for almost a year now. 

I had dined in at XXXX XXXX in XXXX XXXX, tx and contracted severe XXXX XXXX that resulted in a very expensive emergency room bill. I could not eat or drink for 3 days nor work. When i went to the emergency room it was infact XXXX XXXX XXXX I had gotten from XXXX XXXX. I had never been that sick in my entire life. I have been reaching out to them since the incident to see if they will help pay for the bill. I get no return phone calls or emails from them regarding my complaint. When i do call and I am lucky enough to actually speak to someone they blow me off saying someone will reach out to me and it never happens. This is the same restaurant that was in the news for having bad temperatures in their freezers and having to discard thousands of dollars in bad food products. 

At this point my bill had been sent to collections and I have almost paid the entire thing off while I have been going back and forth with XXXX  and getting no where. I dine with XXXX quite frequently and also a member of XXXX select club and their XXXX XXXX club with the casino. I feel this is absolutely rediculous for them to treat customers this way and am reaching out to yall as a last leg for help. 

I do not feel obligated to pay this bill. I have been paying on my collections and have n't missed one payment. My account is up to date and in good standing however I have 2 derogatory marks on my credit right now because of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I have a loan out with One Main Financial, and I have been paying it faithfully, but I am sometimes late due to my paydays and how they fall. This company constantly calls me from the day the bill is due until like a day after the bill is paid and harass me. They do n't just call once a day they call several times a day and it 's always someone different. This harassment is causing my severe stress and I am breaking out with XXXX  due to it. They will not work with me to be more flexible with the due date so that it does not create this hostile environment. I have never been so frustrated with a company as I am with One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received a notice from XXXX XXXX dated XXXX/XXXX/XXXX staring that I have an outstanding debt of {$490.00} XXXX XXXX id XXXX and the account is currently in collections. I contacted XXXX XXXX XXXX to find out what these charges were in regard too and the representative could not even locate this amount and stated that my bill is up to date and current and my next bill is not even due for another week. He could not explain the charges for {$490.00}. I have nothing but billing errors with this company since I signed up with XXXX in XXXX XXXX. I feel like XXXX is creating erroneous charges to try to make more money as I have had other billing disputes that they have been unable to explain but I paid the amounts in question for fear of them damaging my credit. I even attempted to cancel their services due to the fact that I felt that their charges were inaccurate and they threatened me with large cancellation fee amounts and in addition they told me that this would negatively damage my credit. I have other family and coworkers who have complained about these same issues. Please investigate XXXX as I believe they are inaccurately making charges and sending customers to collections illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: OH

Complaint narrative:
XXXX/XXXX/XXXX, I have been in a legal case with Transunion and the Department of Education since XXXX. Due to me being a XXXX XXXX XXXX Veteran in which the Department of Education was notified in XXXX XXXX XXXX of my XXXX XXXX XXXX. The Department of Education then proceeded to place a collection debt with Transunion XXXX/XXXX/XXXX. I have showed proof to Transunion of the notification. I hired an attorney and once aware of an attorney Transunion quickly moved to remove any XXXX outstanding loans before court date. However they refuse to remove the U.S Dept. of Education, even though I have give both proof of my XXXX which was dated before the collection date. The U.S. Dept. of Education has XXXX out the Debt however refuse 's to remove the collection status.

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 2018-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
XXXX/XXXX/2018 - XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX, XXXX has sent harassing phone calls to XXXX requesting a debt that I do not owe. I do not know where they got my phone number, but they a determined to collect a debt at this phone number. I have called this " outfit '' several times only to receive their automated system that does not allow one to speak to a person. 
Please inform this " outfit '' to discontinue these harassing phone calls that have been constantly ongoing for over two month or a law suit will be filed for invasion of privacy. Thanks for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
OnXX/XX/XXXX My Older Brother was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and He decided to finance the vehicle. It was n't even 24 hours and He noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, He decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX I Co joint with my brother to Finance the vehicle. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX is on of the Hard inquiries on my Credit Report. He did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. If you have any questions please do not hestiate to call me ( 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 2018-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
A Santander Consumer account that was open in XXXX XXXX and closed due to repossession in XXXX XXXX is reporting inaccurate information, high balance, balance due, payment history and reason account was closed. I have requested through them and the credit bureau to please remove account due to inaccurate information and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My husband and I took out a 15 year Home Equity Loan with CITIbank in XXXX of XXXX for {$55000.00} with a fixed rate of 6.379 % and no closing costs. In discussing the loan with the branch representative, we clearly stated that our intent was to consolidate a few bills. We also made it clear that our intent was to pay off the loan early and part of the plan to do so included doubling the required monthly payments. With that in mind we asked the representative if there were any penalties for paying off the loan early. We were clearly told no, there were no prepayment penalties, however, it was made clear to us that doubling the payment in one month does not change the amount of the monthly payment. In addition to our discussion with the representative, in reviewing the Closing Disclosure it was clearly printed in bold letters in response to a question on the form - " Does the loan have these features? '' - Prepayment Penalty - NO Fast forward to XXXX, XXXX and we contact CITIbank to get the the payoff amount of the loan and we were informed that the payoff amount includes an Early Closure Release Fee in the amount of {$1400.00}. In response to questioning the fee, we were told to refer to page 1 of the Home Equity Loan Note which makes a distinction between a partial prepayment and a full prepayment. It further states that we are subject -- not to a prepayment penalty --, but to a Early Closure Release Fee, if a full prepayment is made during the first 36 months of the loan. 

Based on our intent and purpose in discussing the loan thoroughly with the representative and relying on the disclosure statement, we feel the bank was intentionally deceptive in the discussion and documentation of the terms for the loan. At the end of the day, it is our opinion that the Early Closure Release Fee is the same thing as a Prepayment Penalty. Also, if the bank makes a distinction between partial and full prepayment, that distinction should be made clear in the Closing Disclosure. This practice is clearly and intentionally deceptive.

The Early Closure Release Fee is nothing more than a Prepayment Penalty and/or a way for the bank to, after the agreement, attach closing costs to the loan. 

We made a good faith effort to enter into a fair agreement, but did not read every line of the fine print.

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 2018-01-06 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: OR

Complaint narrative:
I have applied for a new job. The company completed a background check. My mortgage company has reported me late XXXX for 5 months. I had requested a modification due to my husbands XXXX. It was to take only 3 months at the most. It took 6 months, as the mortgage company stated they need to start over. I made the newly scheduled payments on time or early as instructed by the documents I received. I have a payment history that shows I made my payments on time, yet the mortgage company shows them late. The mortgage company was XXXX XXXX, now called XXXX XXXX. 
In addition, XXXX XXXX is reporting to late accounts. Unfortunately I had to file BK. It was discharged XXXX/XXXX/XXXX. This should also not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: ID Analytics, Inc.
State: TN

Complaint narrative:
I went to purchase a used car to replace one that was totaled by an uninsured motorist in XXXX of 2016 at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tn XXXX My credit score at that time was reported as XXXX through XXXX. 
They also used a company ( I never heard of ) called XXXX which at that time reported a credit score of XXXX! 
You can imagine how that effected my interest rate and payment ... .close to {$200.00} extra a month! 
XXXX seems to have quiet an ally in these finance companies, and I can not believe this continues after all the complaints that continue pouring in here, and elsewhere on line. 
I too do not feel comfortable giving personal information to a company that can only be contacted via email or hard copy ( no website ... legal? )

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 2018-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen complaint I can not get answers. Back on XXXX/XXXX/2017 I filled out an application for a Deed in Leiu, I was told not to make any payments during this process till the application gets processed and finalized.We initially wanted to vacate the premises the right way without a foreclosure.

We do not get call backs from the company even thou they continue to send me emails ( which I have ) stating I have a conference call scheduled with the relationship manager. We have made several phone calls and all I am told is I am very sorry, in a language that can barely be understood because they outsource their customer service.

I have read multiple complaints about this company online and they are all the same, no answer, no solutions, every excuse leads to problems regarding a lein on the home which is the excuse I was given ( yet I purchased the home with no history of a lein ) ..?

Now they have reported to the credit Bueru that I am delinquent on my account and past due the full amount of the note {$79000.00} Which is ridiculous Because we stopped making payments when we were told not to pay anything! 

It should be illegal to run a business the way they do. Deceptive trade practices.

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 2018-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
The caller identifies herself as XXXX XXXX whom I have researched and discovered works for ACT ( Accounts Control Technology , Inc. ). She calls my wife and I from different numbers with our respective cell phone area codes ( mine : XXXX hers : XXXX ). My wife and I have both told her to stop calling us yet she continues to call multiple times a day, the most recent being this morning ( XXXX XXXX, XXXX ) after I spoke with her several days prior. This individual is calling regarding my adult ( almost XXXX XXXX XXXX ) daughter. This individual, XXXX XXXX, has also called individual ( s )  at MY place of employment asking about my daughter whom they do n't know, have never met, and vice versa! I think there has been a very serious violation of MY rights and privacy, especially with this individual calling my place of employment. I would appreciate you following up on this matter asap and put a stop to XXXX XXXX 's continued violation of my rights and privacy. She has contacted several of our family members as well using my wife 's name. My wife 's sister was also called on a number with her area code of XXXX but provided with the number XXXX as a call back number. 
XXXX XXXX should be severely reprimanded for contacting my place of employment and her continued harassment of our family members that have told her to stop calling! 
Thank you for your time.

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 2018-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hi, One more than one occasion, Navient has offered to lower my interest rate ( my rates for my private loans are : 5.9 %, 6.1 %, 9.8 % ). They do this over the phone, asking questions about my salary and bills I pay each month. Each time, I go through the entire process ( at least 5 minutes of questions ) and am denied. I can not afford my monthly payments, I have been on interest only payments for 7 years.

I do not understand the process they choose to lower interest rates. I have never missed a payment and have a perfect credit score. 

Just by knowing they offer lower rates, I do not understand why they wo n't lower mine. I find my interest rates REDICOULSY high and would like to renegotiate. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Will not allow third party site to access account

Company response to consumer: Closed with explanation