vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This debt is invalid. Ive contacted the original creditor XXXX XXXX XXXX XXXX. In regards to the validity of this debt and still have not received a response. Right now Im seeking legal actions against XXXX XXXX, for billing fraud. And have reported them to both XXXX and The insurance fraud bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My private student loan from XXXX University XXXX XXXX XXXX was serviced by XXXX for over 10 years. It was recently was sold to XXXX and now XXXX XXXX. I noticed that when the servicing was transferred my student loan payments began increasing despite making on time payments for 10 plus years. The principal balance is about $ 60K. I went from paying ~ {$700.00} per month to now, I looked at my XXXX account and the monthly balance due is now {$800.00}. I have noticed that the interest rate keeps climbing significantly and I am not sure why. When XXXX serviced my account the interest rate did not fluctuate and if it did, it was very minor. Now every month, I am asked to pay more and more despite the fact that the principal balance is shrinking. I want to know why all of sudden the interest rate is fluctuating so much. Is there a limit to how much interest can be charged? Also, XXXX has not uploaded my 10 plus years of payment history to my account. There are no records in this regard. 

I would like my payment history added to my account and an explanation as to why my interest rate keeps climbing. The interest rate is now 5.77 % and when XXXX serviced the loan, it was under 5 %, probably around 3-4 %. I would also like my due date extended giving these outstanding issues. I have been paying my student loans for over 10 years ( on time! ) and since XXXX took over and now XXXX my payments are increasing rather than decreasing. I find this very suspect. There is also no pay off statement which I thought was required by law. Please investigate. I have also lodged my complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: RI

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/2018 ( complaint number XXXX ). The issue was involving 2 fraudulent charges on the credit card statement - one for {$120.00} which Citi cleared up immediately after receiving the CFPB complaint, the other was for {$1700.00} which still has not been resolved and cleared from our account. After several calls back and forth over a 6 week period into late-XX/XX/XXXX, Citi claimed that the charge occurred too far in the past for them to issue a credit and had us, the consumers, deal directly with the merchant. 

This is not how it works at any other bank ( I know from first-hand industry experience working for a bank that issues credit cards ). Citi should have recognized the fraud loss and charged down the balance on our credit card ( not the same as with general credit related losses ) and then attempted to recover the losses by going to the merchant themselves. This is why they have a massive recovery and collections department. 

I have never seen an instance where a fraud charge was considered " too old '' to be able to rectify the issue so I am highly skeptical of Citi 's explanation of why we needed to go directly to the merchant. Even the merchant could not believe that Citi would have the cardholder contact them ( see the attached email chain ). 

This whole experience was a nightmare trying to get the merchant to even respond to us without giving us the " run-around '' and Citi just made it worse by deviating from common industry protocol.

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 2018-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I contacted Chase regarding my attempts to make payments using their mobile app which is how I have always made my payments. Since XX/XX/XXXX they have charged me a late fee each month on top of interest when I was told I was getting 0 % for a balance transfer I completed. It seems as if every time when it gets close to making my payment, theres an unknown issue with the mobile app and I have to call Customer Service to make my payment and ask for them to waive my fee. I contacted Customer Service. I have two accounts with them. One Newley opened. It would not allow me to add my external account to make my payment on time and when it was added after the fact I was then charged a {$25.00} late fee. They did not remove the fee. The card Ive had for years with them I completed the balance transfer on. I was misquoted the difference I needed to pay so I wouldnt be charged interest and the representative that helped me told me he would not waive but one fee. Since then I have been charged a total on one card that has not been credited back {$100.00} on one card and {$25.00} on the other. I have contacted the Executive Office of The President on XX/XX/18. Spoke with a guy named XXXX. He hung up on me and didnt call me back. I called back and got a Supervisor in complaints who put me on hold and never came back and made the call hang up again. Not happy about this. Ive always paid my credit cards on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My mortgage was behind because I was working part-time and then lost my job. Florida 's Hardest Hit payed the past due, plus 12 payments. The loan was in default again because I still had no income. I was told that I didn't qualify for modification without income. Once my social security XXXX was approved I applied for modification. I was told that I needed to pay the past due amount so I did. I was then told that I didn't qualify for modification because I was not past due. I was then told that once I begin making partial payments I would fall behind again and would then qualify. I contacted XXXX for assistance but Seterus would not speak to me with them on the line, so I spoke with Seterus on my own. I only had a few days to make a decision and I was sick with the XXXX. I later realized that my interest rate remained the same, my payment was reduced by a minimal amount and my loan terms were extended an additional 30 years. The original mortgage was 30 years and I have approximately 20 years of payments. I would like to know why the modification ( which I thought was designed to benefit me as well as my lender ) has left me with a 40 year mortgage. I called on XX/XX/2018 and asked for an explanation of the terms of the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Requested information about the debt from debt collection company and Transunion Received letter dated XX/XX/XXXX Debt collection " confirmed '' and remains on credit for debt owed to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Balance {$130.00} ( attached ) Requested for TransUnion to reinvestigate the debt. 

Received letter dated XX/XX/XXXX stating the investigation of the dispute is complete and has been confirmed. 

This is NOT my debt. I have never banked with XXXX XXXX XXXX. I am requesting that this debt be removed completely from all my credit reports and any other documents which may include this false information.

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 2018-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I keep receiving phone calls from a " unknown '' number. I finally answered it today and it was from a credit card that I acknowledge that I owe the balance. The guy on the other end of the line from the bank was very belittling and demeaning to my current situation. I am currently in a wrongful termination suit against my former employer XXXX. The gentleman on the phone was very intrusive as to my personal finances and who was paying my current bills. He wanted to know how I was paying for my cell phone and who was making my car payment. He went on to inquire who was paying my rent. He kept saying I need to get out of bed and be responsible. After repeated comments about me being immature and when I was ready to have an adult conversation he would be willing to help me. I asked how I was being immature and what help he could offer. He said I needed to ask my family and friends. I told him that my family has no been a part of my life for about 10 years ... .the same reason I am in a wrongful termination suit is the same reason my family doesn't associate with me. I told him repeatedly that my family does not associate with me. He continued to say that I needed to ask my family. 
Then he started in that I needed to get odd jobs and get paid " cash under the table. '' I said that is not actually legitimate and stealing from the government ... .to get paid " under the table. '' He said he can't be held responsible for my immoral decisions. I told him that he was encouraging immoral behaviors. To which he responded, " i don't care how you get the money you just need to get us the money! '' The guy got more and more indignant and started to yell. My friends were here and heard how he was talking to me and told me that it was absolutely inappropriate the way he was talking about my situation. After he told me I just needed to pawn everything and make a payment to the bank, I knew I was through and was not listening to him any longer. 
The attitude and the way he demeaned me on the phone was unnecessary. I refuse to be talked to in such a manner. After I just declined to make a payment due to his attitude is when he really went off. He said he would just continue to call me everyday and bug me into making a payment. I can't block the number because they call from " unknown. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
I have explained to Diversified that this debt was no longer owed because we could not turn in equipment because of natural disaster in XX/XX/2016 and all of our belongings were lost. I also explained to them that the services that were charged for 2 months after I cancelled the service the day after the flood occurred. I told them to get in touch with XXXX  and resolve this matter with them. I also requested that they do not call me any more and to discuss the matter with XXXX. I just want the harrassing calls to stop and they continue to call and be rude and hang up when you tell them the reasons and tell you that they are collecting a debt and they want their money. They use bullying tactics and threaten you to report to credit. I have disputed this matter several times with these people and get no where with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union Credit Claims that they verified a public record showing in my credit report with the US Bankruptcy Court of PR. This is false information as the US Bankruptcy Court of PR DO NOT share information with CRAs. 
Trans Union utilized XXXX XXXX for electronic verification purposes and therefore the information provided in my TU credit report is inaccurate as TU NEVER verified this information with the US Bankruptcy Court of PR. Based on Fair Credit Act this is a violation under this act and I am entitle to remove this innaccurate information from my TU credit report. 
Additionally this public record on the investigation report should be shown as DISPUTED. It does not. 

Please instruct Transunion to remove this inaccurate public record from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Conn's, Inc.
State: TX

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Phone : XXXX To whom it may concern : Im writing in reference to a 30 day late payment listed on my XXXX and XXXX   Credit reports in XX/XX/2017 The card in which I made the payment on had fraudulent activity which caused overdrafts on my account and the payment I made to Conns being returned. The late payment was forgiven then they reversed it back to reflect a 30 day late payment. I ask that the late payment be forgiven as this unfortunate fraud incident was out of my control. All my payments other than that payment has been paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
A MONEY TRANSFER WAS AUTOMATICALLY PUT ON HOLD AND A REFUND GIVEN WITH NO EXPLANATION AS TO WHY. I ANSWERED QUESTIONS AND IT WAS TO NO AVAIL WITH WESTERN UNION. I FEEL AS IF I AM BEING DISCRIMINATED AGAINST DUE TO MY AGE AND AM BEING CATEGORIZED WITH OTHER WOMEN AND THAT IS PLAIN WRONG.. 
AS THIS HAPPENED BEFORE. THEY ARE VERY VAGUE SO HOW CAN I CORRECT PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have my moms death certificate to show her debt should be removed since there is no estate and no money to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
They said I owed a bank of hbc bank I dont remember having this card and if i did is was pay for. In XX/XX/2007 ending of the card they said is XXXX and they saying they trying to take me to court to pay this off. I need help because i think this is a fraud company trying to take my money.thank you the amount is XXXX and the name of the company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX i transferred XXXX. Via my wellsfargo online account to XXXX XXXX wells fargo account with the XXXX feature. I found out it was It was a scam for a house rental when i got there. I went to XXXX wells Fargo branch ( where the house was located ), and was informed by a banker that i should say that i didnt authorize the transfer, ( in other words, lie ). I wasn't willing to do that so i left but filed a police report. I found out that the same guy had done the same thing the weekend prior to someone else! I went to my wellsfargo when i got home talked to 10 different people to no avail. I tried to reach out to XXXX but they said talk to wells Fargo. Per the terms and conditions that wells fargo/XXXX has, it says that if you agree, they are able to provide name, address, phone and email of the person i sent the money to. They have refused on all levels.

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 2018-05-05 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: NY

Complaint narrative:
Equifax refuses to delete an account in violation of a court order. The court ordered XXXX to remove the trade line from my account and make no further reporting, XXXX continues to report and Equifax continues to accept this reporting for monies that I never owed XXXX. This account should be deleted from my report. It has already cost me thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I live in an area that was a federally declared disaster area because of hurricane Irma. After the hurricane, my mortgage company told me that I could defer payment of the mortgage for 3 months ( until XX/XX/XXXX ) since I was recovering from the hurricane and that the deferred payments would be placed at the back of my loan. At the end of the 3 months, when I contacted the mortgage company, they told me that the program was extended for an additional 3 months ( until XX/XX/XXXX ). In XX/XX/XXXX, I was told that the loan would be modified and the deferred payments would be placed at the back of the loan. I contacted the mortgage company in XX/XX/XXXX to find out what the process was for modification ; I was told to send in multiple documents which I did. After submitting all the required documentation, I checked the status of my modification online every day for the next month. I called on numerous occasions to inquire about the status of the modification and to inquire about the payment. I was told that they were working on the modification. I was told not to send in a payment for XX/XX/XXXX because it would be rolled up into the modification. In XX/XX/XXXX, I was told that my modification was denied because the payment would go up from approximately $ 2000/month to approximately $ 2120/month and that they were not allowed to modify a payment if it increased the payment. I was then told that I could get on a payment plan that would require me to pay approximately $ 4000/month for 6 months which could be extended another 6 months until my account was current, but that the denial was not complete and that they were still working on the modification. I received an email notification that there was a new document on the loan and when I logged into the website, I saw that there was a modification denial letter. I called back the mortgage company to inquire about the payment plan again since the modification had been completely denied and I was told that I am not eligible for the payment plan any longer because they had sent out a demand letter for the total monies past due on the loan which is {$16000.00} within 30 days. I told that mortgage company that I do not have the money and I would not have it within 30 days. I asked what would happen if I didn't pay it in the 30 days and the mortgage company told me that they would foreclose the very next day and sell my house. I can not lose my house because I am a single mother of XXXX and I am caring for my sick mother as well who is on XXXX. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/2017 I used a convenience check in the amount of {$2200.00} from XXXX XXXX XXXX XXXX card that offered 0 % interest if paid back in full in 12 months. The balance I owe on the convenience check is {$2100.00}. In order to pay it off timely I needed to pay {$270.00} per month until the expiration of the promotion. In addition I need to pay on my non-promotion balance. The minimum payment on the non-promotion balance is {$45.00}. So I made 2 payments {$45.00} + {$270.00} and called requesting that they apply {$270.00} to the promotional balance. They refused saying my non-promotion balance needs to be paid in full before they will apply any payments to the promotional balance. 
I have used the same promotional offers from several other credit card companies over the years and have paid them off the same way by making the 2 payments. I've never been required to pay the revolving balance in full before applying payments to promotional balances. I even paid the same type of promotion off on another card as recently as this week. 
I feel XXXX XXXX is abusing the offer so they can penalize me by requiring me to pay the full interest on the promotion.

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 2018-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I paid off the balance of approximately {$440.00} in full. I did not use the card again and I have been a holder since XX/XX/XXXX. The annual membership fee was added to the card balance in XX/XX/XXXX unbeknownst to me as I don't recall receiving any statements, and Capital One never once called to alert that the account was past due. Instead, Capital One has reported the " annual membership '' amount repeatedly as late for over 120 days as if it was in fact a balance that was incurred through actual charges. Not once, did they have the common courtesy to call me realizing that the only charge on the account was for the membership fee. As a result, CO has closed my account severely impacting my credit resulting in a decrease of almost 47 points. I spoke with several reps today that refused to re-open the account and indicated they reported it correctly a few days ago to reflect a {$0.00} balance. However, an alert to my credit report today ( XX/XX/XXXX ) shows a {$64.00} past due balance.

Company response to consumer: Closed with explanation