vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX tried to scam me into paying a debt allegedly from XXXX, which I do n't have and offered me to settle by paying 20 % of the outstanding amount.

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 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: MD

Complaint narrative:
XXXX loan originator - XXXX XXXX has refused to provide me with the mortgage estimate in standard Loan estimate form referenced in this article : ( https : //www.consumerfinance.govXXXX ). 

After i had provided him with all necessary information including XXXX, he put hard inquiry on my credit report and refused providing me estimate in the form referenced here in the XXXX XXXX website saying he ca n't provide me with this form until i signed disclosure package and commit to them. I were thrown off, because all other lenders had no problem and gave me their estimate in this standard unified form, so it 's easier for me-consumer to compare terms.
Moreover, he was rude and very argumentative, claiming he knows what the guides are and that all other lenders who provided me with this Loan estimate form did it illegally and he completely ignored that it 's clearly outlined on the XXXX XXXX website. 

In other words he made sure, i will take my business elsewhere, at least where the people are polite and have professional manners.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: KS

Complaint narrative:
I was signed up for Charles Schwab bank account without my consent in XX/XX/2017. I received a legitimate XXXX XXXX  XXXX XXXX XXXX debit card and several check books via USPS. I also got other pieces of mail welcoming me to the XXXX XXXX XXXX XXXX XXXX   Checking Account. 

I called the Schwab customer service line and was connected with a fraud agent. He alerted me that someone else had provided them/stolen my social security number, my address, and gave them a fake XXXX  address. I guess that 's all you need to get signed up for a bank account. 

The fraud agent assured me that the account had not be opened and that my ssn number was probably stolen over the internet. He gave me some advise on how to keep my personal information secure, which was nice. However, the subtext was that it 's my fault someone fraudulently signed me up for an account. 

I have no proof but a small part of me thinks Schwab got the scant information about me that is needed and sent me the debit card and and checks in hopes I would officially open the account. 

In short, I believe Charles Schwab, and other financial institutions, must require additional verifications before an account is created in someones name. If not done upon their own volition, they must be regulated.

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 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One closed both of my credits cards due to 1st party fraud, even though they put me on a payment plan to help with payment. Since I was struggling to make the payments. Due to the fact that I am recovering from a XXXX XXXX to have XXXX XXXX  of a XXXX XXXX removed. Do to the XXXX I have XXXX  issue 's and forgot to give the my new account number.. So they were not receiving payments from old closed account. When I realized what was going on I called to give the new account number. After taking 2 payments on the cards, they then proceeded to tell me thew accounts were closed. No emails, no notification of any kind.. I told them I was n't making payments until this was dealt with. They have taken 3 payments since..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
For as long as automatic payments by my bank were available, ( at least 10 years ) I have used that system to pay my bills. I have been paying my Capital One business credit card by auto payment since XXXX of 2014. Last year Capital One raised my interest rate to 30.4 % due to two payments being a couple of days late. I contacted Capital One and my bank and told them that one or the other of them was to blame. I had not made any changes to my auto pay process. Capital One admitted that they may have been responsible so they credited the account some money to compensate for the error. However, they left the penalty interest rate intact. I called them today and complained again and they said there was nothing in the world they could do to help me. I can prove by my credit report that I have never in my entire life had a single " late '' payment or derogatory remark on my credit history over thirty one separate accounts. I am livid that a company can arbitrarily raise interest rates to a usury level even if a payment was a couple of days late possibly due to the mail delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I filed a dispute with the merchant, XXXX XXXX due to the XXXX Flash Cards I purchased on XX/XX/XXXX. I was not satisfied with the item, so I visited Paypal 's  website and talked about my issue, with the merchant not refunding my money. The dispute was filed on XX/XX/XXXX against the merchant, XXXX XXXX. and stated to Paypal Company that the XXXX Flashcards came in a white card board box that is the same size as the box. I did not open the box, nor did I like the way the box was, so I wrote refuse on the cardboard box. I left the box on the table in my residence building for USPS to pick up the package to return to the merchant. USPS accepts packages, if the customer writes the word, Refuse and Return To Sender on the package, without any other receipts given, as long as the package/box seal was not torn. I have a dozen neighbors in my building where I reside, as well as the Postal Carrier, XXXX XXXX, who has been delivering mail to my building for over 20 years and The USPS driver, XXXX, can all verify that the box was returned to the merchant with the address on the box. Also, the super of the building, XXXX XXXX can verify that the box was picked up from the building and returned to the merchant. Paypal had given a time frame to respond to the open case on their website and when I logged into the open case from my account, the system did not recognize me and I was not able to respond. Therefore, Paypal took the merchant 's side to not believe that I did not return the box and wanted my refund. I should have received my refund already from the merchant and Paypal refused to honor me temporary credit to my account when the investigation is gong on. It does not take eight for the merchant to refund a buyer, when I do not have the box in my possession anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX I contacted CCS regarding a debt collection on my credit bureau. At that point, I had advised that I had never received a validation letter ( the rep gave an address in XXXX KS ) I then got a call from my old roommate advising they got a letter at XXXX XXXX XXXX XXXX XXXX KS regarding my debt stating I had a Settlement opportunity. As I advised I no longer reside at the address that letter was sent to in XXXX, KS This means that the validation letter went out and your rep not only disregarded this fact but sent an additional letter to the XXXX address knowing it was incorrect which violated my right under which I feel violates my rights under The US Privacy Act of XX/XX/XXXX 4 U.S.C. as well as violation of 15 U.S.C. Section 6801-8609 also known as the Gramm-Leach-Bliley Act. 

FDCPA/Kansas Consumer Protection Act On XX/XX/XXXX I called CCS and advised I had not received any validation notice and spoke with a XXXX who made a demand for payment on the account. I had advised under Section 809 of the FDCPA that they are required to send validation within 5 days of contact to which they had not done, I made a settlement offer which was immediately rejected and not proposed to her client, and advised I thought they were required to have their client decline the offer first. I was then transferred to XXXX XXXX. XXXX XXXX advised they were waiting on an itemization before sending out the validation letter. 

This is a clear and blatant violation of the FDCPA, as well as FCRA, as the item is still reporting to my XXXX credit bureau. I feel this is a violation of K.S.A. 50-623 ( known as the Kansas Consumer Protection Act ) as first I was in the validation window since I never received a validation notice, the account had been disputed, and an offer was made for settlement which CCS and its employees were legally required as well as had a fiduciary responsibility to take to its client which it did not. 

Additionally, I contacted your office on XX/XX/XXXX requesting your fax number and if you had an in-house attorney. The rep said yes and refused to provide this information. Please be advised I recorded the call and have a copy of the recorded conversation that adds to my claim regarding your deceptive practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: TN

Complaint narrative:
I received a identity theft affidavit from U S Bank Mortgage. I got it notarized and sent the packet to Customer Service Research -Fraud. Mail Location -XXXX. XXXX XXXX XXXX XXXX Kentucky XXXX. XXXX : XXXX XXXX - U S Bank Mortgage. I sent this on XX/XX/2017.

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 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT! XXXX XXXX XXXX RAISED ADDITIONAL QUESTIONS! XXXX XXXX XXXX stated in CFPB complaint # XXXX that First American responded to each of XXXX XXXX 's several complaints. The facts are : this complaint asked the following questions. Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. I further asked ; is n't it a company policy of First American to maintain accurate records. Now ; per your written response date XX/XX/XXXX, you failed to answer all of our questions. 1st ; is First American aware of 18 U.S Code 1001,  false statement? Yes or No! 2nd ; is it safe to assume that when a company sends a title transmittal ( cover letter ) the letter will state in the transmittal letter every document that is being sent? Yes or No! 3rd ; did XXXX XXXX XXXX state in the title transmittal that First American enclosed the original Deed of Trust with the Policy of Title Insurance? Yes or NO! 4th ; is it safe to assume that since the original Deed of Trust was not mentioned in the Title Transmittal, the original Deed of Trust was never sent with the title transmittal? Yes or NO! 5th ; Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. Yes or NO! 6th ; is n't it a company policy of First American to maintain accurate records. Yes or NO! 7th, where ( what location ) within the closing instructions reflect that the lender, XXXX XXXX XXXX stated to send the original Deed of Trust with the policy of Title Insurance as you stated in a previous CFPB complaint? Please answer our additional questions. Be informed that your answers provided will be used for court purposes!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. XXXX different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( XXXX in one day ), XX/XX/XXXX XX/XX/XXXX ( again XXXX in one day ) and XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX ( XXXX in one day ) XX/XX/XXXX Car Buying Attempt : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX in one day ) Car Buying Attempt :XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX ( XXXX in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2017-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
It was brought to my attention that Navient has not been able to prove ownership of many student loans as well as mishandling of payments, documentation of loans, and steering people into forbearance, etc. To ensure that I will not have to pay my Navient Student Loans twice in the event Navient does n't actually own them, I called Navient twice ( XX/XX/XXXX -- XX/XX/XXXX ) and requested documentation of ownership of said loans. Both times I called Navient, they sent me a standard billing document and I have yet to receive any documentation showing proof of loan ownership by Navient. 

Both times I called, I specifically asked for documentation showing all of my student loans owned by Navient. I clarified that if I did not receive documentation that it would be my understanding that the student loans were not owned by Navient. The CSR stated that, " Yes that is correct. The documents that will be sent to your email will contain a link to your Navient owned loans ''. 

I have attached 3 documents : 1. ecorrespondence XX/XX/XXXX I received this document after my first call to Navient 2. ecorrespondence XX/XX/XXXX I received this document after my second call to Navient 3. Student Loan XX/XX/XXXX This is a screenshot of my Navient loan page What I am looking for is proof of ownership by Navient of all of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
I have not received a phone call or a letter from a collection company called " XXXX '' indicating that I owe a debt for medical bills. I came across this information when I received alerts from the credit reporting agencies. This completely shocked me because I am working extremely hard on my credit so that I do n't have any negative information. I filed Bankruptcy chapter XXXX and was discharged in XX/XX/XXXX and ever since, I have never been late with any of my payments. I want them to remove this information from my credit file immediately. They have not sent me any notification what so ever or else I would have called to determine what it 's for and if I owe to pay it. No communication from this company. I disputed it with the CRAs and they have not removed it until they verify/confirm the debt with me! They need to remove it until proper notification has been sent and the proper time limit for debt dispute. They reported 2 accounts on XX/XX/XXXX, in the amounts of {$260.00} and {$830.00}. They need to provide notification to people before putting something on their credit! Absolutely nothing was sent! No phone calls or VOICEMAILS for that matter! What happened to contacting people?? They should be investigated for more customers that they have done this too, in fact, my next step will be to find an attorney who will be able to file a class action lawsuit against XXXX. I 'm sure there are many more out there and we will fight! I have copies of my phone bills and I have a list of the majority of voice mail left and none are them! Please have them remove this from credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have reached out to Equifax several time via phone and mail and have yet to receive a response to have these verified as I requested these inquires. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I DID NOT authorized this inquires : XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX OnlineXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo decreased my credit limit based on a recent update to my credit. I have never had a late payment and have made large lump payments in the past. They did not warn me about the change and it is also going to impact my score by increasing my debt to credit limit ratio. This is egregious behavior in their part because they are causing a " double hit '' on my score. I wast even made aware of the change until I tried to use the card for car repairs.

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 2017-08-25 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: CL Holdings LLC
State: MN

Complaint narrative:
JEFFERSON CAPITAL SYSTEM is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25 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: NV

Complaint narrative:
I am charged monthly on my XXXX XXXX XXXX for my XXXX XXXX Membership. The change is set to be on the XXXX of each month for {$10.00}. Well I have been getting charged twice a month - once on the XXXX and then again on the XXXX for my XXXX XXXX Membership. I contacted XXXX and never got a response - so I went to Macy 's who has my XXXX account and filed an online complaint. I just received in the mail yesterday that they are unable to help me and to go back to XXXX. This has been going on I think since XXXX. I would have to go back and check my statements to find out for sure. I go back into the XXXX website and there are no phone numbers that I could find - same as my original complaint to them I had to email. Now I ca n't even find an email that I can contact XXXX - so I will have to go into my email account and find the original one I sent to them and re-sent. Hoping you can help.

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