vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: WV

Complaint narrative:
Have been trying to ask them for help with consolidating or remedying my debt with them and every time I am refused any help at all. I get very mean and loud agents who insist I pay the entire amount up front to keep from having more issues with Discover Card. Some threatening me with insulting ways of paying the debt or just being stringent on not helping find a way to get my debt settled with them. After receiving the information from Discover that I qualified for something when I called Discover they told me that information was false and I was making that up. The agents then refused to let me speak to anyone else regarding the matter and insisted I pay up from the $ XXXX owed to Discover telling me they had no more plans to help people like me who were delinquent and XXXX to pay off their debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have contacted the office of The President for assistance with my dispute with this company. They have failed to address my issue by verifying with me how they came up with the dollar amount of they say I owe them after the final payment from the insurance company due to a total loss car accident. They are saying that I owe them {$1100.00} and have asked to settle this account with me for half of the amount. I asked them to provide me with the documentation that states how they came up with the additional money they claim the insurance company did not pay. According to XXXX he is saying that the dollar amount is from a final payoff and the initial documentation they gave me said it was from the cost of the sale of the car to auction. The dollar amounts are the exact dollar amount. It is clear that they are confused. I asked him to show me mathematical equation used to determine that dollar amount and he was n't able to provide that dollar amount. Collectively we tried to figure out the dollar amount using a simple interest formula but the amounts do not add up. After several failed attempts of trying to prove to me the dollar amount, XXXX just stopped taking my calls and stopped returning my voicemails. In response to my dispute, they are continuously verifying my dispute with all XXXX of the bureaus without legally verifying the said dollar amount. I have tried to resolve this issue with them for many months now and now they have given up and instead of trying to help me as a consumer they are avoiding me, illegally verifying information on my credit report, and not addressing or responding to any of my inquiries. I have mailed them certified mailing that they have failed to respond to and have yet removed this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX we were put into a Pick a Payment mortgage by Wachovia at the time with a 7.45 % interest rate. Back in XXXX we tried several times to modify our mortgage with Wells Fargo and were denied. We made too much money was XXXX reason and then we were also told to pay the lowest amount to make our payment deferring principal and interest. We were also advised to fall delinquent so they would help us. We missed XXXX payments, they did not work with us and they started foreclosure. A family of XXXX we wanted and needed to keep our house. So we filed a chapter XXXX in XXXX to keep our home and try XXXX more attempt at a loan modification. The modification was still denied. Here we are in XXXX XXXX with XXXX payments left through our Chapter XXXX and we are still only paying the lowest amount which does increase yearly and is still deferring interest. Like many people that were in this type of loan we now owe more than what the original loan was for. We are also afraid that after we get out of the Chapter XXXX that we are not going to be any better off because of everything that is being deferred. These Pick a Payment mortgages are toxic!!!!!!!!! Through our attempted modifications we never wanted to reduce our loan, we just wanted to be in a traditional fixed mortgage with the lowest possible interest rate. And let me back up before the modification attempts, we also tried to refinance but again the housing market was down and the equity was not in the house so that to did not work. Wells Fargo needs to get of all of these Pick a Payment loans. Not just cherry pick some who get the right person, attorney, or luck. Please let me know if there is anything you can do to help assist us. We are a concerned homeowner, working hard and living pay check to pay check because of our mortgage!!

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 2016-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: VA

Complaint narrative:
ACS has been applying my entire monthly payment only to interest and allocating XXXX to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and my reports reflected as such. Upon a credit pull today, my report changed to " late '' thereby affecting my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I attempted to update my billing address with the XXXX credit card on file in my PayPal " wallet '' earlier today ( card ending in -XXXX ). Even though I updated my mailing address with the bank that issued the credit card, the PayPal website keeps giving me an error message, " Sorry, we ca n't link your card. Please make sure you have the right billing address. '' I called PayPal customer support to rectify this problem, spoke to XXXX people, first XXXX, then XXXX, and XXXX these unfortunate people just refused to fix the problem. If they do n't update my correct address on my credit card on file, it will doubtless cause problems when I go to purchase something through PayPal with that card. XXXX 's employee number is XXXX ; she is a supervisor. XXXX refused to give me his employee number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX, I was mailed a credit card offer by Capital One stating that payment would not have to be made until XX/XX/XXXX. I applied and received the credit card. I called in XX/XX/XXXX to find out the exact date of when the credit card payment would be due before the 0 % interest expired. I was told by a customer service representative that I had until XX/XX/XXXX to make the payment. I called again on XX/XX/XXXX and was told that the 0 % interest off would expire on XX/XX/XXXX and that there was nothing they could do about the misinformation that I received. Now if the payment is n't made in full, I will be subjected to 22.9 % interest. I feel like this was a scam and I would have never signed up for this offer had I known this was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I hope this complaint serves as a reference to improve the policies in place for citizens of a different country in the same condition as mine. 

I 'm a XXXX and arrived to the US two weeks ago. I 'm currently receiving financial aid from the Missouri government, to be more specific from the Family support division and I have tried to cash in unsusesfully the cheque I have received. I went to the closest XXXX store and a Bank of America branch for this purpose, and I was told that without a SSN or a US ID I could not cash in the cheque. I already applied for a work permit but it will take a few months for me to get it. Only after I get the work permit I 'll be able to apply for a SSN and that is going to take a bit longer. This is a challenging situation for someone who has been XXXX in the US and is in the process of getting the US documents. I 'm receiving the social aid cheque, but I ca n't do anything with it. There should be a special procedure for unusual cases like mine where an individual should be able to do this sort of transactions or open a check in account in a bank without having some challenging policies in place.

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 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have no knowledge of this bill from XXXX Hospital and have requested them to provide evidence of their claim. They never did, it was removed from my credit report and know it is back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Performant Financial Corporation
State: NY

Complaint narrative:
Caller called my place of work and stated they were calling from " Performance '' company and that my daughter gave my name for a reference yet they refused to explain anything except tell me they needed to talk to her. The woman also mentioned another family member and my daughter told me she never used either of us as a reference. The are giving false information ( company name ) and lying about her giving me and another family members information. I am not callow ed to receive personal calls at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
A lady from the debt collector phoned my father and gave him information, the phoned him a second time giving him the alleged case number on account that was closed in 2008. On that same day she phoned my mother and my ex mother in law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OH

Complaint narrative:
XXXX/XXXX/XXXX received a voice message from Vanderbilt Mortgage stating they were collecting a debt. My mortgage has been with them for over 10 years. I have money direct deposited weekly into a special checking account for them to draft their payments. Never been any problems. They say that in XXXX XXXX another customer wrote my account number on his check and the payment was credited to my account. I did n't catch their mistake. I hold up my end of the original agreement and assume VM does the same. I told them to go ahead and withdraw the missed payment from the account but they said I had to give them all the account information over the telephone. With trepidition I gave them my banking information on XXXX/XXXX/XXXX and kept watch on the account. On XXXX/XXXX/XXXX I called them since the money had not been withdrawn. Was told it usually took 14 days and would occur on Friday, XXXX/XXXX/XXXX ( it did n't ). On XXXX/XXXX/XXXX while at work they called and said they were collecting a past due debt. I went through the entire scenerio with them again. I have never had to deal with such rudeness. I gave them all the financial information again. I was also told that I would be charged a late fee for each month beginning in XXXX XXXX when the payment was missed. I do n't understand this as I fulfilled my agreement and the money was always available in the draft account. They messed up by applying another customers payment to my account. Was I at fault? Should I be penalized? I 've heard so many horror stories of Vanderbilt Mortgage ruining innocent people and their credit. I appreciate any guidance you can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
Predatory Loan with Franklin Credit took a XXXX loan out XXXX 2006. Paid a total of XXXX on a XXXX 15 year loan. The Principal on this loan has not gone down. Still owe XXXX the original interest rate on this loan was 13.750 % the interest rate and the monthly charges fluctuate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have made multiple complaints for the unfair deseptive and abusive acts regarding my mortgage with Fifth Third Bank. The mortgage lender in question has continually charged me unwarrented fees and claims the charges are property taxes. When I logon to the XXXX XXXX XXXX XXXX website my property taxes are {$240.00} on a semi annual bases ; Fifth Third Claims that my property taxes are {$520.00} on a semi annual bases. Fifth Third Bank has caused unavoidable damage in the effect of increasing my mortgage payment by over {$100.00} per month. I need help with this matter I can not afford to pay the money that the lender is demanding. I have yet to get help from UDAAP, FTC or CFPB this is clearly a case of a lender taking advantage of the under informed and leveraging their financial power over a consumer with limited resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC

Complaint narrative:
Bayview loan servicing sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at Bayview who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a federal express pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was XXXX certified letter and XXXX in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. Bayview is either confused our incompetent either way I think my XXXX year old mother with stage XXXX XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by Bayview and filled out and sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
MY SERVICER, BAYVIEW LOAN SERVICING LLC, HAS BEEN PROCESSING A SHORT SALE TRANSACTION. I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. BAYVIEW 'S APPROVAL PROCESS ON THIS REQUEST IS EXTRAORDINARILY LONG. BAYVIEW INDICATED THAT THE TRANSACTION IS TAKING TOO LONG ( BECAUSE OF BAYVIEW 'S DELAYS ). BAYVIEW HAS SET A FORECLOSURE SALE FOR XXXX XXXX, 2015. I HAD MADE A REQUEST FOR POSTPONEMENT. A CALL WAS MADE YESTERDAY TO CHECK ON THE STATUS OF THE REQUEST FOR POSTPONEMENT. XXXX AT EXTENSION XXXX INDICATED THAT SHE DID NOT HAVE INFORMATION ON THE FORECLOSURE SALE AND NO ONE IS AVAILABLE TO PROVIDE THAT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Judgments filed and reported while on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX refuses to remove derogatory information. The last " payment '' date they report is XXXX but they are telling Experian the last " delinquency date '' is XXXX. It is my understanding that the " date of last payment '' starts the " seven year '' clock. I was caught up in the Deceptive Trade Practices Lawsuit the State of Texas won against them for their Warranty practices. They " sold '' the debt to XXXX who I 'm quite sure your familiar with. XXXX deleted their information but XXXX remains. I have contacted XXXX and they claim they " ca n't talk to me '' because of XXXX 's involvement and then hung up. I take full responsibility for not paying them and returning their property but right is right and they should be held accountable for their actions. The people at Experian agree that the delete date should be this month but their hands are tied by XXXX deceitful reporting. Unless I 'm wrong XXXX should be held to the XXXX date as the " first delinquency ''. Of note is the fact that XXXX own reporting shows no XXXX/XXXX/90 delinquency reports, it goes from " paying '' to " Charge Off ''. I firmly believe based on my dealings with XXXX they do not have a clue as to what the correct information on this account is. In prior conversations when asked about specific dates they replied " all of those files were sold to XXXX ''. All I want is to be treated fairly but XXXX will have to be dragged to get them to do right. Thanking you in advance for your time and help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im really worried about why I can not receive my free annual 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 non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX is listing a collection account on my XXXX and XXXX credit reports. I have asked for debt validation under Texas Finance Code 392 from XXXX XXXX via certified mail sent XX/XX/XXXX ( see attached certified letter ) and company has failed to provide required debt validation. XXXX did not respond to my request except to update their reporting to the ccredit bureaus.Under Texas Finance Code debt collector is required to delete entry if they fail to provide required debt validation. I have disputed multiple times with credit bureaus and have sent ceritfied letters to XXXX ( see attached certified letter ). The collection account is currently being reported to XXXX and XXXX -- and the information between the XXXX bureaus do not match either. XXXX has date to be removed as XX/XX/XXXX and the other has date to be removed XX/XX/XXXX so they are reporting different dates of first delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Company called me with threats after I was XXXX weeks late. I had already informed them that I would have to make a XXXX payment the next month and they agreed then called me and threatened with legal action. Kept calling my phone and speaking to me in a stearn threatful way. Has called XXXX times after I informed them not to call me.

Company response to consumer: Closed with explanation