vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied and received a fixed rate visa credit card from Bank of America ( BOA ) XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX ( 12 yrs ) the interest stayed at the fixed rate and never changed. XX/XX/XXXX the interest rate went up 1/2 percent on the full amount owed at than time - XX/XX/XXXX another 1/2 % hike - July again raised 1/2 % and again in XX/XX/XXXX, so you can see the pattern. This rate hike is still continuing.

Keep in mine I was never given notice of the rate hikes and the raised rate was always and still is on the full amount owed on my card.

I been calling BOA in various department asking what justification they have to do this action. The last answer I received ( while sitting in XXXX XXXX, a BOA branch employee office, that the federal government passed a law, XX/XX/XXXX, giving the credit card companies the right to raise fixed rate accounts. Not true - I call the Library of Congress to verify and no such law was passed.

The XXXX  Credit Card Accountability, Responsibility and Disclosure Act mandated that agreements worded with " fixed rate '' be fixed - also requires a 45 day notice to card of rate increase with the increase only applied to charges after the notice date.

There are 3 loop holes to this Act 1. Late payment, 2. Over Limit 3. Intro offer.

I have never been late or over my limit ( have records to prove ) and the original app ( have original ) did not state an Intro offer for 12 years. According to my research into the XXXX CC Act, BOA has violated numerous credit laws, no notice - not adhering to fixed rate - rate increase on full amount - not to mention the numerous lies and misleading information I have received from the company reps, the above example ( XX/XX/XXXX Law change ) comes with a witness, XXXX XXXX was informed of the same information from BOA Card Services.

I have contacted BOA via phone many times asking for answers with no result. I have kept records of the date called, name of rep and excuse given ( too many pages of records ).

I am asking CFPB for assistance in resolving the issue - I would like my interest rate to resume to original agreement with credit to my account on amounts over charged or a valid reason with documentation from BOA to justify raising my rate on the full amount owed with no notice.

Thank You, XXXX XXXX XXXX Contact info - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Dear : Experian, I was viewing my credit report and found some errors on my credit report that you are reporting such as Unknown Payment/Account Status. Also, some accounts were transferred with no Company Sold-to information reporting on credit report. Per the Fair Credit Reporting Act of 1964, all  accounts should be accurate on my credit report. All accounts are paid in full. Please updated all of these account to " Account paid in full '', " Account closed '' or Delete account statuses. 

Account : Account Number : Account Status : Payment Status : Balance : XXXX XXXX XXXX XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXX  XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXX   XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXX XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXXXXXX XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXXXXXX XXXX CLOSED UNKNOWN {$0.00}

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 2018-06-15 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a credit card with Gap Visa Card by XXXX XXXX The website is so not user friendly. I tried to set up an automatically payment, but it kept rejecting my XXXX checking account. So I had to set up manual payment through my checking account. They charged late fees on me once, I complained, but this month charged me again. They never even tried to help me to set up an automatic payment I wanted. This month the payment due date was XX/XX/2018. But it shows my payment was delivered on XX/XX/2018. I already cancelled the card.

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 monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit
State: TX

Complaint narrative:
In XXXX, I lease an XXXX XXXX and the financing for the lease was through XXXX XXXX XXXX. In XX/XX/XXXX, I traded-in the XXXX and started a new lease for a XXXX XXXX XXXX. The paperwork was finalized and I owed nothing on the lease and only owed my first month payment at signing. The paperwork was finalized and XXXX XXXX XXXX took back the XXXX XXXX XXXX. The first week of XX/XX/XXXX, I received a notice that my XXXX XXXX payment was late. This car had been purchased back by XXXX XXXX XXXX several weeks earlier in exchange for my new lease XXXX XXXX. I tell XXXX XXXX XXXX the situation and they state that XXXX XXXX XXXX in XXXX Texas has not sent them the payoff. They have had the car for about a month at this point and I have no possession and have traded it back to them via all paperwork that was signed XX/XX/XXXX when XXXX XXXX was purchased. XXXX XXXX XXXX in XXXX Texas tells me that they are backed up getting the payoff information to XXXX XXXX XXXX. I ask them if this will be reported to the Credit Bureaus. I can not get a confirmation that this will not be reported to the bureaus since I do not own the car any longer and XXXX XXXX XXXX is slow to get the payoff to XXXX XXXX I continue to get late notices from XXXX XXXX XXXX even though I have told them XXXX XXXX XXXX has possession of the vehicle and I traded it back to them with the purchase of my new vehicle. I am now in the process of trying to figure out if the late payments have been reported to the Credit Bureaus and to dispute the information if necessary. Due to XXXX XXXX XXXX 's negligence my credit history my be at risk. This is an issue that others considering lease financing and working with XXXX XXXX XXXX XXXX need to be aware of in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Cosmo Credit Repair
State: GA

Complaint narrative:
Hey Im having a problem with Cosmo credit repair. There very unprofessional and rude and wont return my XXXX they took out of my account. On XX/XX/2018 XXXX XXXX contacted me regarding repairing my credit. He stated the consultation was free and he can get remove everything bad on my credit report within 6 months. I sent him some v personal information by email and 2 weeks later some random guy XXXX XXXX calls me XXXX at night asking me to send document to start credit repair. I told him no I didn't know you and im not sending my personal information because XXXX know you have XXXX XXXX call me in the morning. XXXX XXXX calls me and said he d I didn't receive my documents and I asked him how come he d I didn't let me know 2 weeks ago. He said he didnt have them to send them back and I told him no. I dont want to do business with you because you lost my persodnal informatiom. I gave them XXXX to start and after I told him I didn't want to do the program because their unprofessional the next day they took XXXX out my account. I had to cancel my card and order a new one because I dont want them stealing my money out my account. So I talked to XXXX whos the technical guy and XXXX whos suppose to be the manager. XXXX stated she was going to refund my money but then stated she wouldn't and hung up in my face. On there website it said you get your money back if your not satified. Well I wasn't satified and they still took money out my account and didnt do no services!!!!

Company response to consumer: Untimely response
Consumer complaint received 2018-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contracted Transunion so they could correct my balance on my XXXX XXXX CC for the Month of XX/XX/2018. I provided proof and they still have not corrected it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXXXXXX sent a settlement letter they'd accept XXXX of the XXXX by XX/XX/2018. I did not call them until XX/XX/2018 and asked about a similar settlement. After back and forth debate they said that they could offer me a XXXX settlement. I agreed if they'd send me a fax saying it was paid in full. They told me that they couldn't fax because it was against my privacy rights but they would send a letter to my address on file. I agreed. They asked for my bank account and routing number I tried to insist on using my debit card they said no has to be bank account and routing number. I gave them this information. THIS ACCOUNT WAS NOT ON MY CREDIT REPORT. I paid, 2 days later here is this collection on my credit report for the total amount of XXXX. I call them on the phone asking why if I paid them would they then put this on my report. They tell me its against the law for them to not disclose it to all 3 credit bureaus. While on this phone call they tell me I still owe XXXX acting as if we did not settle even tho I have a settlement number. They are now saying they will report to the credit bureau that it was " settled in full '' not " paid in full '' like they said they would and made me aware of the fact that it will say on my credit report that I still owe XXXX because it was not paid in full when they NEVER mentioned this on the phone. I demanded to be sent the audio they told me they were recording and they said they don't have audio for that purpose. Im extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. XXXX I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. XXXX  I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I got involved with a third party service that advertised partial or full loan forgiveness for select schools and students. My school was under investigation for it's accredited status so I was qualified for full forgiveness. I was told that if I made three down payments of {$240.00} for the next three months, I'd be taken cared of. After those down payments I received a noticed stating that my student loan that I setup with XXXX XXXX was payed in full. This was back at the end of 2016, my last down payment was XX/XX/2016. Now i've come to realize that my XXXX XXXX loan wasn't paid in full, but instead consolidated with another service called Navient. I wasn't told that my loan would be paid for with another loan while I was signing off on the agreement. I was told that I would have my student loan forgiven and abolished after those three payments. The third party service I was dealing with is called XXXX XXXX, and upon reaching out to them I've learned that they have been sued and under current investigation. I have sent XXXX XXXX my social security and bank card information and lots of money for them to lie and hide the truth from me. I wasn't promised a consolidated form of action, I was promised for my loan with XXXX XXXX to be forgiven and paid for. I was scammed by XXXX XXXX  and I have numbers and dates to back up my claim that I will send along this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: VT

Complaint narrative:
The car loan in question is past due, due to waiting on the insurance company to pay off the totaled car.They start calling at XXXX XXXX and the calls stop at XXXX XXXX, my problem is the almost 16+ phone calls in between.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, I was preparing a large order on Home Depot 's website. When I went to checkout, the site displayed an advertisement stating that if I applied and was approved for a Home Depot credit card, I would receive {$100.00} off an order of {$1000.00} or more if I used that credit card to make the purchase. 

I applied for the card online by clicking on the advertisement, and I was approved. However, the credit limit imposed on the card was {$800.00}, meaning that I was unable to use the card to make the purchase and receive the advertised offer. 

I believe that this offer is a bait and switch, as there is no reason why the credit limit on the card should be so low. Information that was requested when I applied for the card, which I provided, was that I make {$95000.00} per year, and own my home outright ( no monthly payment ). My credit score is well above 700, I have an excellent credit history, and I have no outstanding or past due balances anywhere. 

For me to be issued a card with a limit of {$800.00} means that nearly anyone who applies for the same card via the promotional offer on the website will similarly be issued a card with a limit lower than that which would be required to take advantage of the advertised offer.

My only interest in obtaining a Home Depot credit card was to receive the offer that was advertised to me, and I was not able to do this because they put an unreasonably low limit on the card. As a result, not only did I not receive any discount on my order, but my credit score will also suffer as the result of an additional hard inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: MD

Complaint narrative:
I currently have a mortgage with Loancare. In the past I have had many issues with their online system and payments being taken out in a timely fashion. I would submit a payment and it would take their system sometimes more that 5 days to take the money out of my bank account. On one occasion I was charged an overdraft fee because they said I did not have enough money in my account to pay the loan. I had more than enough money to pay it so this was an error on their part of their system. 

Recently I applied for a new loan through XXXX XXXX. I wasn't able to get one because I had too many late payments from Loancare on my record. I was also told by the loan officer at XXXX XXXX that she sees this all the time with Loancare.People apply for a new mortgage  and are denied because they have reported late payments on their credit report. I believe this is happening because of their faulty system. I went ahead and contacted the company to try and have Loncare fix this. They refused and said what is reflected on my credit report is correct. I believe that because of their faulty system it is their fault that I have these incorrect reports on my credit report. I would like them to update my late payments. I believe they are incorrectly reporting payments dates to the credit bureau. I have a mortgage through XXXX XXXX for over 7 years and have never made 1 late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My student loan was transferred from XXXX to navient in XX/XX/XXXX, I was not made aware of this switch. Until this time, my payments have been current. Because of an excess payment when with XXXX, my payments continued to be made for some time although I received late fees everytime. In late XX/XX/XXXX I was made aware by phone that my account was delinquent. I honestly am having a hard time keeping it all straight but for the last 3 weeks I have been on the phone with Navent, XXXX and my bank trying to make payments When I was made aware that Navient is now the holder of my loan, I logged onto the website and signed up. I entered my bank account numbers and made my first payment on XX/XX/XXXX. To date, I have tried to make payments 4 times since XX/XX/XXXX with the most recent being today XX/XX/XXXX. Each time, I checked my bank account a few days later and upon seeing the money still there, called Navient. Each time Navient told me that the bank rejected my payment. I was never sent an email with this information. In the meantime, they helped me put my loan in forbearance until XX/XX/XXXX so I would not receive further hits on my credit due to their incompetence. ( my words, not theirs ) I was advised to call the bank to see why they were rejecting the payments which I did on XX/XX/XXXX after realizing that my first payment was rejected. My bank ( XXXX XXXX XXXX ) said that they had never received any requests from Navient and I assumed that the problem was on my end with the numbers that I gave Navient. I proceeded to repeat this process 2 more times, verifying and reentering my bank account and routing numbers each time. Both times, my payment was not processed and my bank still has not heard from Navient. The excuse that I get from Navient for my bank never having heard from them is that I must have given the wrong numbers so I printed out an account verification and used it to verify the numbers I put on my Navient account. They match exactly. I tried one more time to make a payment. Today, XXXX XXXX XXXX, I made the payment of XXXX to my account. I am writing this complaint to document all that has occurred, I feel that I have no other recourse against this company and that they will ruin my credit. I have been paying my loans faithfully since I graduated and am financially able to make my payments. When searching the company, I find that others are having similar problems making their payments. I find this disgusting and predatory whether it is purposeful or due to incompetence and I want to do my part to make sure that Navient is held responsible for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Knight Adjustment Bureau
State: ID

Complaint narrative:
Over the past few years we have been contacted by the collection agency Knight Adjustment Bureau about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.

Company response to consumer: Closed with explanation