vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Monterey Financial Services LLC
State: PR

Complaint narrative:
I have an account with XXXX XXXX XXXX and the company that collects the payments is, Monterey Financial Services. My problem is that over the period of more than a year Iv'e been making my payments through a direct deposit account with XXXX XXXX . Last year alone, Monterey Financial has charged my account {$1400.00}, plus my maintenance fee. In return, I am not able to use my services because they accuse me of being late on my payments. Iv'e done everything possible to explain to them that this is a direct payment from the bank. Iv'e provided them with copies of my bank statements indicating that my payments have always been up to date. Iv'e been in constant communication with Monterey and even though they acknowledge that something is amiss they make no effort to right the wrong. I have come to the conclusion that this has to be a case of fraud. They hardly answer my e-mails and when they do they only ask for more copies of bank statements that have nothing to do with last year 's actions or lack of. I had a submitted a complaint with your office, but was told that either I would have to seek the services of an attorney or go to Legal Services.  Thing is, I don't qualify for Legal Services and with my XXXX XXXX XXXX XXXX pension, I honestly can not afford an attorney. I would like for you to provide me with an orientation as to how I could file charges of fraud against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX @ XXXX XXXX. Received a robo-call about possible litigation that was attached to my phone number, and was connected to an agent who identified himself as XXXX XXXX from The XXXX XXXX XXXX. He said that I had an old bank account with XXXX that was opened XX/XX/XXXX and that had been closed for overdraft. I informed him that this couldn't be correct, as I had not had an account with XXXX in XXXX, but I had my identity stolen around that time. I was told that unless I made payment arrangements by XXXX that day, that the case would be going into escalation which would lead to court and being reported to XXXX. I hung up and immediately called XXXX XXXX, and they have been able to confirm for me that the account in question existed, but that it was opened in XX/XX/XXXX, charged off in XX/XX/XXXX, and sold in XX/XX/XXXX. When I called back to The XXXX XXXX XXXX, I spoke with a " manager '' names XXXX XXXX, who informed me that this account wouldn't be considered an identity theft issue due to the length that it was maintained, and again I was threatened that if I did not arrange a payment plan before the XXXX deadline, that this would be going to court and be submitted the XXXX I felt forced to make a payment arrangement or be sued, and I made a {$1.00} retainer on a debit card. They agreed to wait until XX/XX/XXXX to take a {$200.00} payment off the same card, and emailed me a litigation notice. After that, I immediately contacted a lawyer who advised me that it was more than likely a scam, and so to cancel the card. They have now began calling me again, and although I have requested validation of the debt multiple times, they have neglected to provide me with anything, saying that I have been receiving notices about this for years at an old address. However, they claimed to have done a background check on me in order to get current information, but couldn't give me any current information other than my maiden name and phone number. I was contacted on I was contacted on XX/XX/XXXX by XXXX XXXX, at which time he threatened legal action against me. Approximately 2 days later, I received another litigation notice in the mail, dated XX/XX/XXXX. Then on XX/XX/XXXX, I was contacted by a case manager named XXXX about the issue, to which I informed him that I had sent a letter in the mail asking to not be contacted via phone and that i was requesting validation of the debt. I believe this is a scam, and if it is a legitimate debt, that they are trying to collect a XXXX debt.

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 2018-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My home equity line with Bank of America has turned into the payback period and the payment went from $ XXXXmo to $ XXXXmo. I applied for their modification program and was rejected and told that the reason was because my payments weren't late even though the new payment is a burden. 
In XXXX of this year I went into a Bank of America Branch to make a payment that was due on the XXXX on the XXXX The rep checked with the collection department to make sure I was not 30 days late ... The rep in the collections that the payment is not considered 30 days late until after the month changes even if that means 34 days when the due date is the XXXX. 
With that information I made my payments after the XXXX of each month but before the first. 
Now I find out that in XXXX they reported me as a 30 day late. 

Also the payments I was making included what I was being told was a late fee of about $ XXXXmo. But that was not being applied to the late fee but to mortgage so the late fee was increasing each month. 
When I called to discuss that I was told that If I did not pay the late fee I would not be reported as 30 days late and asked the individual who I spoke with in collections that If I subtract the late fee from the amount due I would be fine. 
Then again the misinformation that I was giving by the collection department resulted in me being told my payment was insufficient and because of that I would be considered 30 days late in XXXX. 
I could neither resolve any of this with Bank of America or the credit bureau. 

I want these lates removed from my credit report so that I can refinance into a new heloc that is affordable. 
Because of this charade my credit score has dropped to the low XXXX 's The on-line banking summary section is very confusing concerning late fees and amounts due

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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
My account with GM Financial was transfered to a third party to be settled. The settlement was paid off at the beginning of XXXX but the company is not reporting to my credit only GM Financial. We are in the process of buying a house and the credit bureau is asking for a letter from GM Financial stating that the account was transferred to XXXX XXXX which is the settlement company. Ive spoken to 4 different people at GM and all of them told me they can not give me that letter because they do not have a template set up for something like that. One of those 4 people even hung up on me when I was trying to get information. We are trying to get this done before my realtor has to run my credit again for the third time and dropping it more than it has already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My husband and I made a manual payment early to FreedomMortgage.com which is the new company that acquired our original mortgage. Days later the mortgage company 's auto pay system tried to take the same standard payment after already receiving our first payment. Since the money was already taken through the manual payment, the mortgage company hit us with an Non sufficient funds fee not realizing they already had the money. I called the customer support line several times to get the fee waived and they told me this was not an error on their end and they refuse to waive the fee. They basically penalized us for paying our payment early and are now trying to charge us fees on top of our monthly payment. Their customer service was the most unprofessional rigmarole I've ever experienced. They refused to let me speak with anyone higher up than a supervisor and said the decision was made by a part of the company that does not interface with clients. Every time I called, they made my husband verify I was allowed to speak with them even though I'm co-signed on our mortgage, then when I would get forwarded to a supervisor I would get their voice mail. When I finally reached a supervisor they said I should know how their auto pay system works and that they clearly state this information in their terms. I reviewed the auto pay terms and no where does it say that the system will continue to take multiple payments after a manual payment is made. We've had credit cards and other accounts with auto pay for over 20 years and every system recognizes when a manual payment is made and does not try to take the money again. The scary part is that they basically can hit us with whatever fees they'd like at whatever time and we can't do anything about it. Why shouldn't we be able to choose our mortgage company the way we choose any other service. These companies are corrupt and are not held accountable because their customers can't go to the competition if their not happy.

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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.

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 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was not in the market for a Credit Card. However, I was seduced by a Capital One Business advertisement online offering XXXX XXXX  financing for 12 months *IF APPROVED. Given that I was about to make a significant Business purchase, and my Credit Score was XXXX, I knew I would qualify and proceeded to initiate the application. 

During the following application process, cards with slightly differing added benefits were offered, including one offering XXXX free miles if {$4500.00} was spent on the card within the first four months. Given that my purchase was to be over this amount, and likely to take place within a month, this card was selected. This appeared to be pitched as an added incentive. 

However, it now appears that this is a form of 'bait and switch '. The card I was approved for has a fixed XXXX XXXX interest rate. It is of no use to me. I did not want it. As I said, I was not shopping for a credit card in the first place. 

I contacted Capital One Customer Services after noticing this issue after having made an initial {$450.00} purchase. I was ultimately transferred to a woman in their 'De-escalation Department ' who admitted she was there to stop people in positions such as mine for getting their complaints from reaching higher tiers. 

After this phone call proved fruitless, I emailed my dissatisfaction to members of the board of Capital One. Within a few days I received a call from the 'Executive Team '  offering to work on a resolution for the situation. I believed in good faith that there was an attempt at last to rectify the situation. All I requested was that Capital One switch the account from the one I received to the one I had believed I had applied for. I was told looking into such a resolution would take several business days. I understood. 

Today, I was contacted again by the Executive Department, where their only resolution offered was to close the account. Not only did the application 'ding ' my credit score, but closing the account would damage it further. It has already dropped from XXXX to XXXX, and further impact could easily drop me from the 'Excellent ' range. 

Capital One 's Marketing Department is purposefully enticing applications for cards people don't want with misleading advertisements and following it with a purposefully confusing card selection process. They then obstruct attempts to complain. They then offer no practical attempt to rectify the situation without the consumer feeling the fill impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed an inaccurate account with XXXX, XXXX and Transunion on Two ( 2 )  different occasions for a XXXX account being collected by XXXX XXXX ( XXXX and Transunion ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XXXX and XXXX. I am entitled to a fair and accurate 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 explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed an inaccurate account with XXXX, Experian and XXXX on Two ( 2 ) different occasions for a XXXX account being collected by XXXX XXXX ( XXXX and XXXX ) and XXXX XXXX ( Experian ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XXXX and XXXX. I am entitled to a fair and accurate 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 explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Sallie Mae balance was XXXX in XXXX Last attended school in XX/XX/XXXX Navient balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Regarding XXXX about TRANSUNION.- Company did not research my complaint. I am claiming that the company " XXXX XXXX XXXX '' by their own admission is attempting to collect a {$710.00} Debt off of {$300.00} credit limit. By their own admission a XXXX XXXX interest rate was charged. This is illegal in NYS and is should not be on my credit report. You'll notice that it states that " this debt is past the statute of Limitations '' on the " forms '' XXXX XXXX XXXX has provided. Transunion is engaging in willful blindness and I would like them referred to the enforcement division of the CFPB. 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 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Harley Davidson Financial Services Inc
State: MO

Complaint narrative:
HDFS gave me a settlement offer I told them I was selling it to the dealer then a lady named XXXX violated my rights. The dealer said all they needed to pay it off was the letter then XXXX discriminated and discussed my account. The federal Gramm-Leach-Bliley Act of  1999 created a new opportunity for you to limit the transfer of your personal financial information. The law attempts to balance your right to privacy with financial institutions ' need to share information for normal business purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
fter receiving and reviewing my credit report in XX/XX/XXXX of last year I noticed a derogatory mark listed by XXXX XXXX XXXX XXXX XXXX. I've contacted and sent multiple validation request as well as filed complains using CFPB before. Each time XXXX ( XXXX XXXX XXXX XXXX XXXX ) Has responded with the same verification and the complaint has been closed although what they have CONSTANTLY sent is not what I've requested the amount on the statements are not what's reporting to the Credit Bureau nor is it VALIDATING the debt is mine. I have sent certified letters requesting that the debt be validated NOT verified, specifically I want a signed agreement between XXXX and myself AS WELL as a detailed list of services and expenses meaning WHAT SERVICE did I get on the alleged day and WHAT WAS CHARGED for the alleged debt as well as WHAT WAS PAID. They have provided a billing statement which DOES NOT prove that I'm obligated to pay them anything. They have reported delinquent information to the Credit Bureau that I am asking to be removed. I am unaware of how they obtained my personal identifying information without my knowledge or consent, and they have failed in providing the acceptable information proving they have the right to report such negative information. Therefore I am disputing the validity of this alleged debt. I've attached the letter that I sent along with the companies response to that letter, this IS NOT VALIDATING the debt is mine. I'm requesting the immediate removal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
checked my credit report and show a hard request was made by Equifax mtg which I never approved or authored to be pulled. I called number and was unable to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
I was told if I paid {$500.00} and installed smoke alarms and such totaling another {$250.00} that I could obtain an FHA loan on my property since I had been current in my payments. 
Then I was told that because my property was listed as a condominium on the county recorders office that the loan was being denied after submitting paperwork and paying fees. 
Then it was represented to me that I could obtain a conventional loan even though I was recently dishcarged from chapter XXXX bankruptcy in XX/XX/2018. 
I think more research should have been done on JG Wentworth 's part before taking my {$500.00} which I am sure is nothing to them but is quite a lot of money to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The loan was in deferment, not delinquent, with XXXX XXXX. Loan was sold to XXXX/Dept of Ed Student Loan Services. Then to XXXX/Dept of Ed Student Loan Service. XXXX, of each year, a deferment was applied for and awarded.

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 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/XXXX Received approval notice for Citi Double Cash Mastercard XX/XX/XXXX Activated card successfully via phone number on front of card XX/XX/XXXX Used card for purchases at a diner XX/XX/XXXX Attempted to use card at a XXXX XXXX in XXXX, Pa only to have it be rejected XX/XX/XXXX Called Customer Service and was put on hold for over 10 minutes, after telling me they had to " verify my account ''. Gave them name and number of another credit card ( as requested ) other than Citibank and was placed on hold again for a long period of time. Called me back and got another person REQUESTING THE SAME INFORMATION!

XX/XX/XXXX Attempted to go online to verify my account and SERVER WAS DOWN.

XX/XX/XXXX Called Customer Service only to be told that they HAVE TO VERIFY MY ACCT!

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