vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
XXXX XX/XX/XXXX, I contacted Loan Depot ( XXXX ) regarding my desire to refinance my current mortgage, which I obtained in XX/XX/XXXX. I spoke to XXXX ( their rep ) and told him that I live in Texas  and that my current mortgage is in my name only and I wanted to do the same again. I got married after I opened my current mortgage but because my wife 's credit was not too good, I want to do this loan in my name only. Shortly thereafter, I was told by Loan Depot to get my home appraised & to get a termite inspection. On XX/XX/XXXX, was home was appraised and I paid him {$470.00} out of my pocket & was told the cost of the appraisal would be reflected in the loan when I close. The termite inspection was {$65.00}. Today, XX/XX/XXXX, I was told ( by XXXX ) that because was income ratio was not good enough to qualify for the loan, I would need to pay off my step-daughter 's car loan, and I AM NOT even signed on that loan. XXXX indicated that because this was a federal or VA loan, they must consider my wife 's debts because Texas is a community property state. They ( the VA ) consider her debts against my expenses, but not her income. I should have been told this on XX/XX/XXXX, when I initially requested the loan because I told XXXX of my desires then. If I was told this when I applied, I would have cancelled the loan request & never paid for a home appraisal, or the termite inspection.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I am complaining about Rise Credit. During the aplication process they leave the consumer in the dark. I was not in any way aware of the cost of fees and intrest I would be paying. I would of never consolidated my credit cards. Thier intrest is 198 % charging me XXXX dollars a day for a XXXX loan. I have made 2 payments of XXXX my loan amount has gone up XXXX in 2 weeks, even with the 2 payments. There is no way out of this loan. It is robbery. It is taking advantage of people in need of finances under extreme stress and despiration. This company needs to be shut down. My mother was able to loan me the money to get out from this. If I didnt have her help I would of ended up paying XXXX by the end of the loan. This should be illegle to charge that much intrest to the consumer. Rise needs to be put out of busniess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C.
State: FL

Complaint narrative:
I was contacted by this law firm today XXXX17 in regards to an auto accident i was in they were attempting to collect a debt due for the damages to the other person, when i returned the call to the lady XXXX she asked how i was going to pay i advised XXXX that i could not pay that amount and i would need an extensive payment plan, XXXX then stated that i need to pay her 50 % which would be XXXX then 5 % which is {$1000.00}, i advised her that i can not afford to pay that upfront but i would be happy to pay her what i can afford until the balance is settled in full, she refused to accept anything lower and then attempted to bully me over the phone and threaten me to have my license revoked into scaring me into paying money i do n't have, i then called back and requested a manager and another lady answered the phone who also became abrasive and a bully and refused to let me speak to a manager I will not be bullied by a debt collector or threatened into paying a 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 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Over a year ago my accounts were closed by Chase, only after I originally had an account for over 8 years. I finally decided to close this account. I thought I wouldnt need it at the time. I then got a new job, and decided to open a new total checking account. After only a week open and one deposit, chase told me they were closing my accounts. After many months of intensive research. I had come to determine that I am not a risk to Chase. I havent ever filed disputes. My identity was stolen. After asking chase why at the time the lady in the loss prevention department told me it was because of something on my Consumer report, that if I got it removed they would fix my accounts. Well I went into the XXXX, TX branch and was told that my accounts had notes, saying do not open any new accounts call fraud. However I havent ever committed fraud and the manager said he wasnt sure. I ventured into another branch a few months later and was told there werent any notes on my accounts. I would like the decision to be re reviewed. After searching, the claims were not filed by me, in fact my identity was stolen. I placed alerts on all my reports as well, as notified the FTC. What was happening is I had unauthorized charges, which followed unauthorized Claims. These were not from me. I want a second chance, as I am a victim. Prior to that I was in excellent relationship status with the Bank. All my family banks with Chase, as Chase Private Clients. I called last night again XX/XX/2017, after speaking to this nice lady at executive office was told they would research my accounts. When I called last night the rep told me there is notes on there saying fraud again. I dont understand where these notes come from, I have never committed fraud. I would like this to be re reviewed because I dont believe you took into account all the information I notified chase of. Im not a risk. My investments are through Jpmorgan. I would bring all my employer direct deposits, as well as my investment accounts to the bank. Chase, it is my first bank acct. its convenient and Chase customer service is amazing. offers very amazing incentives. I believe I should be able to show the bank and prove Im not a risk. That instead Im a victim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Ive been a Care Credit/XXXX XXXX cardholder for 4 years. During all of this time, my Credit Limit always remained the same. Initially, when requested they would never increase my Limit nor change it. Not even for emergencies or while having a high credit score. 

Now, that I finally received my dispute credit via CFPB & am satisfied with that resolution. There 's a consequence ... due to my CFPB request they seem to have decided to decrease my credit by A XXXX dollars. 

Its not fair. This sudden change does nothing for them. I have a perfect record with them, which is something they should be more concern with. I even increased my monthly payments amounts and owe very little at this point. In conclusion, this change only hurts me ( their customer ) by affecting my credit. The lower the CL is for an account, the higher my credit use becomes. I do n't plan on using the {$2800.00} but I just want it higher to benefit my credit score. If it was never changed in 4 years it should not have been changed now following my dispute resolution. 

I did reach out to XXXX XXXX requesting them to leave my Credit Limit as it was but they declined this. I waited over 1 month trying to work this out with them. I was told Corporate would be contacted twice and they never responded. Then, I reached out again and waited another 10 days for a decline letter via mail.

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 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NC

Complaint narrative:
I have tried several times reaching out to XXXX XXXX in regards to a debt I do not owe. They are not abiding by the law and have disregarded all interaction with this consumers. I have filed a Better Business Bureau complaint, FTC complaint against XXXX XXXX   for trying to collect on a debt that was paid by them to the oringinal creditor. There is nothing in the oringinal creditor lease agreement saids I have to pay XXXX XXXX a dime and I would like this alledge debt remove from all three credit bureaus. If this matter is not settle I am willing to proceed of filing a complaint against XXXX XXXX with the Attorney General office and start a class action lawsuit. All I want is for this alledge debt to be remove from all three credit bureaus. Hunter Warfield has no ground in the state of NC and I will not be bullied and harass about a debt I do not owe. Like I said before I do not have a contract with XXXX XXXX XXXX they need to send the agreement back to the oringinal creditor will not pay an alledge debt that has already been paid. I have asked several times for validation and XXXX XXXX did not provide all recommend documentation that was requested therefore this alledge debt needs to be remove it has been going on 45 days since I have asked for validation and this is unprofessional.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Contacted Capital One Credit on XXXX XXXX, 2017 regarding denying my access to online banking account to pay my credit card bill. I tried to access my credit card account with the same user id and the same password as I have always used and was denied further access to look at my credit card account information unless I provided my income information and employment status to the company. After calling the company and speaking to a representative and an IT technician I was told that I must provide this information in order to have access to my online account to pay bills. I was never notified by Capital One of this policy change and that unless I provide such information to them I would no longer be able to pay my credit card bill online in the future. As I was told the information is needed for security purposes and identity purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I contacted XXXX XXXX XXXX on multiple ocassions. I have repeatedly told them this is not a personal debt it is a debt covered by Workers compensation because it was a result of an injury from work. Ive provided them with the correct information for them to bill Workers Compensation but they are refusing to bill. Ive called the office where the services were rendered to me and they said in their system workers compensation did cover that bill. I dont know why they keep putting it on my credit ... its starting to upset me the bill has been paid and Im tired of seeing them put it on my credit

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 2017-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
My credit was pulled by my loan officer for a mortgage application on XX/XX/XXXX. My loan officer notified me of a collection being reported by XXXX XXXX that I was unaware of. The loan officer notified me I would have to contact Midland to resolve this issue. 

I called Midland and was told the account number I have was incorrect ( they changed the number when they acquired the debt from the original credit card company-XXXX XXXX ) they found it by entering my social security number and then notified me that as of the day the credit was pulled, XX/XX/XXXX, this is " being serviced by XXXX and I would have to call them, provided me a phone number and hung up on me. 

I contacted XXXX and was told they just acquired it and it would take up to two weeks to " load it into their system- I would have to call back ''. I have tried for a week to obtain the information to pay this debt and have been unable to talk to anyone who can or will assist and take my payment. 

I offered to pay Midland in another subsequent call, as Midland is the company reporting the collection on my credit report. They said NO, I have to deal with and pay XXXX, even though XXXX is not the company reporting this on my credit report. 

As of the filing of this complaint, this remains unresolved as they say they have no clue who I am or what I am trying to take care of, I am stuck calling them waiting for them to decide to cooperate and let me pay this. I am very frustrated. 

While searching the internet about XXXX I found something indicating there is a class action lawsuit against XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
There was a collection added illegally back to my credit report on XXXX XXXX, XXXX by CONVERGENT OUTSOURCING, INC. XXXX XXXX XXXX XXXX XXXX, WA on behalf of XXXX for {$1600.00}. This account was previously deleted in XXXX due to their use of improper protocol when attempting to collect an invalidated debt as well as it being fraud. I was not sent the legal notice that this account was resold or the required 5 day letter that this collection would be added back to my credit report. I would like this collection removed again as it was and the collection agency to no longer attempt to collect an invalid debt. This is causing an extreme hardship by damaging my credit continuously with fraudulent information. This situation is causing me loss of money, time, credit resources and severe stress. Notices have been sent to the company requesting action with no response. This is now becoming harassment and I would like this resolved immediately or I will have to take legal action. It is already difficult enough as an Identity theft victim trying to repair and replace the things I 've lost and this illegal action just adds insult to injury.

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 2017-12-07 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have had a XXXX XXXX XXXX XXXX credit card since the late XX/XX/XXXX/early XX/XX/XXXX having originally received an APR rate of ( if I recall ) 6.99 % given my excellent credit rating & payment history. Over the years, this APR has  gradually increased to its present APR of 8.24 %. I received a mailed notice that, as of XX/XX/XXXX, my APR is being increased to 13.24 %, an increase of 5 % points or approximately 60 % increase! When I called XXXX XXXXXXXX XXXX customer service, as well as their Retention/Loyalty division, I was advised that my credit rating & payment history remain excellent ; that there is nothing negative in my file that would cause the increase. The phone rep noted that XXXX XXXX has been " reviewing all lower APR customers '' & " bringing them up to the current APR rate charged to other newer clients ''. The phone rep said he has been getting a number of calls from longstanding, excellent cards holders complaining of these huge increases. I asked if I was being penalized for not having as much usage on my card this past year [ since I had a newer, 0 % APR Chase Freedom XXXX card that I had been using but, since this attractive rate is now completed, have returned to my XXXX XXXX XXXX card use again. I asked XXXX XXXX XXXX to reduce the upcoming increased rate to a reasonable % increase ; I was told my upcoming rate of 13.24 % APR is " still a better rate than our new clients get & also means your excellent credit allowed you to till get a better rate than some other long-term clients are going to receive ''. The phone rep also noted I tend to pay most, if not all, of my monthly balance off so, historically, have paid little interest [ a point I feel has NOTHING to do with the principle of the matter which is a credit card company ripping off excellent clients ]. THIS IS A RIDICULOUS INCREASE AT ONE TIME for a client with EXCELLENT credit history, FICO score, etc. How in the world is Chase allowed to justify this & do this -- a 60 % INCREASE OVERNIGHT for no reason other than they wish to make more money from longstanding cardholders. I wish to lodge a formal complaint & have your bureau investigate this action by Chase [ & no doubt, many card companies who have longstanding clients that pay very attractive APR rates ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company never made contact with me about any potential debts that they had for me. They have listed 2 medical debts on my credit reports without notifying me. I want these debts for {$1800.00} and {$720.00} removed from my credit reports until they can be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I 've recently have had my wages XXXX. Apparently, after communicating with my employer, this XXXX has been on my file since XXXX. The collector is XXXX XXXX XXXX along with XXXX XXXX XXXX. Their number is XXXX. The attorney representing them is XXXX XXXX. His number is XXXX. After a brief investigation into the company, I 've discovered that they have had several lawsuits against them for violating several fair debt collection practices act. Here is one link from the Federal Trade Commision, https : XXXX. 

I 've received no information on the validity of this debt nor was I ever served or summon with papers. Today, on XX/XX/2017, I called XXXX XXXX XXXX to get more information on this matter and the authenticity of it. They claim it is a XXXX debt which I have no knowledge of. I believe I am a victim of fraud. They have fail to properly produce evidence of such debt to me, failed to send any form of summons to appear in court, and they fail to notify me in writing that it provided negative information to my credit report. 

Please help me rectify this matter. XXXX XXXX XXXX has a history of such wrong doings along with multiple law suits against them for consumer malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am writing to file a formal complaint on noted company due to the fact I have been making payments religiously on my Capitol One account .. I had payment arrangments via XXXX XXXX XXXX XXXX XXXX company. My payments were sent on time each month. I contacted XXXX XXXX XXXX today and they stated my final payment was sent on XX/XX/XXXX which means this account has been paid in full. Capitol One immediately turned around and reported to the Credit bureaus that I had the following late history. -- Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX I contacted Capitol One today to try and resolve the matter. They stated I needed to go through the dispute process. I currently have a dispute on this company regarding reporting ; so could not readily file another dispute unless bia mail. 

I am currently in the process of appyling for a mortage and was working diligently on repairing my credit. This recent report in the middle of my credit filing caused my current credit score to drop 114 points causing me to possibly lose approval for housing. They are incorrect in this filing in so much I was never late like this and it is not fair for them to file this status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
CREATIVE MATH! 

I have promotional and non-promotional balances with my XXXX XXXX card. I call in each month to clarify HOW MUCH I NEED TO PAY - so I do NOT pay interest the following month. And if needed I pay off my promotional balances that are coming due. 

Once again last month, it appears as though the bank is CREDITING my promotional balance with my payment as requested, then RE-CHARGING it to my account as non promotional resulting in my having a balance subject to interest charges. 

Every month my account seems to have more " adjustments '' ( both debits & credits ) than it does actual transactions with which I am buying product or making payments.

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