vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I opened an XXXXXXXX XXXX XXXX  credit card. The lending company for this card was XXXX XXXX XXXX. The consultant 's name at XXXXXXXX XXXX was XXXX XXXX. During my consultation with XXXX, I was told the procedure would cost {$4800.00} and under the promotional credit plan, I would not accrue interest for the life of the loan. If however, I was late with a minimum payment, she stated I would begin to accrue interest at that time. The only documentation I got from her was a copy of my credit application. 

From XX/XX/XXXX to XX/XX/XXXX, I faithfully made " on time payments '', always over the minimum amount due, and made sure I wasn't late as to avoid interest charges. However, on XX/XX/XXXX I was charged accrued interest in the amount of {$1600.00}. I called XXXX XXXX to inquire as to why I have this charge and was told I didn't pay off my promotional plan by it's due date and that they had closed all accounts related to XXXX XXXX ( reasons which could not be discussed with me ). Because I did not have anything in writing from XXXX XXXX, I had no proof of our verbal conservation. At that time I reviewed my online statements and credit agreement to find in tiny writing that I needed to pay entire balance by XX/XX/XXXX. During XX/XX/XXXX, I paid off my account in full with the exception of more additional interest charges after my statement date. In XX/XX/XXXX my balance was {$51.00} which I paid in full on XX/XX/XXXX, a day late, and was charged {$29.00} late fee. I again called XXXX to inquire about a late fee on a XXXX balance and was told since the account " XXXXXXXX XXXX '' is closed they can't reverse the charge. I am someone who is meticulous in paying bills and has never been previously late on a payment with XXXX but somehow they don't see it appropriate to waive this charge and would not help to resolve the accrued interest problem. This is poor business etiquette and unfair to an unsuspecting consumer. I would not & will not ever recommend this bank to any of my friends or family. I have other credit cards that have a promotional ending date but each time I go to make a payment, I'm clearly alerted of my promotional end date. Can this be something XXXX XXXX  can add to their lending practice? Can XXXX change a policy that would give a 3 day grace period to make a late payment? Can they routinely send alerts to customers of changes in an agreement? Just a few suggestions for improvement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
This matter is regarding Paypal transaction XXXX. On Wednesday, XX/XX/2018, around or about XXXX XXXX I attempted to make an instant transfer payment through my PayPal account ending in XXXX in the amount of {$49.00}. The Paypal system submitted an e-check for payment instead of an instant transfer WITHOUT any indication that the system was about to conduct this transaction INSTEAD of the transaction I AUTHORIZED. The system subsequently debited my XXXX XXXX XXXX  account ending in XXXX for a transaction I did not AUTHORIZE! On this same day, Wednesday, XX/XX/2018, I spoke with 3 representatives on 3 different occasions. I spoke with the first representative Wednesday, XX/XX/2018, around or about XXXX XXXX. I spoke with the second representative Wednesday, XX/XX/2018, around or about XXXXXXXX XXXX, and I spoke with the third representative Wednesday, XX/XX/2018, around or about XXXXXXXX XXXX. All 3 of the representatives provided 3 different answers to my case diametrically different from each others ' answer. Ultimately, leaving my case unresolved. After checking my disputed case each day after my dispute, I contacted their disputes department to follow up on the resolution nearly a week later on Tuesday, XX/XX/2018, around or about XXXXXXXX XXXX. At that point a representative informed me the e-check, I explicitly indicated to the 3 representatives, on Wednesday, XX/XX/2018, that I did NOT authorize their system to submit AND withdraw from my XXXX XXXX XXXX  account, cleared for payment. I disputed this transaction again on Tuesday, XX/XX/2018. The transaction reference number for this dispute is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
i called XXXX XXXX XXXX over a year ago about the complaint because i returned the item and was not going to pay for an item i returned. they said they fixed the problem but i still kept recieving notices in the mail stating i still owe. this occurred 3 consecutive times until the 4th time i calles it was finally resolved and they sent me a check in the mail for {$33.00}. they also said that they would report it to the credit reporting agencies to fix my credit but my credit was never fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have a mortgage loan with SLS ( Specialized Loan Servicing LLC. I paid my mortgage paid in full on XX/XX/2018. 
my XXXX payment paid on XX/XX/XXXX more than my mortgage payment ( {$850.00} instead {$810.00} ). I closed my house on XX/XX/XXXX. 
SLS calculated Intrest till XX/XX/2018 nstead of charging till XX/XX/2018. 
I can submit past 6 months of payment slips if necessary. 

Thanks 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 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is a complaint being filed after the denial of an assumption of a loan in XXXX as the " successors in interest ''. After the death of my father the borrower ( Estate of XXXX XXXX ) and my mother who died several years later ( XXXX ) was also denied assumptions of the mortgage. I'm now requesting assumption but was denied by all mortgage servicers, including Shellpoint. I was unable to have communication because I was not the borrower, but they had death and deed - right of tenancy of survivorship documentation. The also stated I needed to probate the property. In Florida XXXX, my father 's attorney provided the proper tool ( RECORDED DEED ) to avoid probate, especially due to my mother 's declining illness. 
All three servicers, XXXX, XXXX, and Shellpoint denied the opportunity for assumption of the loan as " successor in interest ''. It been over three years and I have not been able to be placed on the mortgage to receive loss mitigation opportunities to remain in the home even after two hurricane disasters -- Matthew and Irma. My RESPA and TILA have been violated. I have reached out to XXXX XXXX and have a case that is currently under review ( XXXX ) ; however, Shellpoint has a sale date for XX/XX/XXXX, that needs to be removed and forwarded in writing. I'm being dual tracked by all involved and forcing me to spend revenue on legal advise when it not necessary especially during the holiday season. 

The numbers in regards to the payoff of the mortgage are questionable. Huge questions in regards to legal fees, late fees, PMI, and predatory lending to the elderly. I have asked for a overview of the loans, " mortgage notes '' by all mortgage holders from the inception of the XXXX mortgage in XXXX. My father was clear about succession of the property, the transferring of deed was recorded in XXXX, several years before his " DEATH ''. And the balloon mortgages with XXXX, XXXX, and Shellpoint needs auditing before assumption. While XXXX XXXX XXXX was the original attorney used to foreclose on the loan, there have been several law firms thrown at my fathers estate, and not one servicing agency was willing to communicate with me ; ultimately coming back to foreclose without speaking or meeting with me in court -- mediation, arbitration, etc. My due process as the successors in interest to the property has been violated and criminal. The XXXX XXXX XXXX changed its name after not so great reviews with their relationship with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: AZ

Complaint narrative:
I was offered a settlement and I paid the settlement offer in full on XX/XX/2018. This has not been updated on my credit report to reflect the account was settled and I have a XXXX balance. Please see attached letter showing the settlement offer and the letter showing the account has been paid.

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 2018-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CommonBond, Inc.
State: FL

Complaint narrative:
On XX/XX/2016 I applied to CommonBond for refinancing my two XXXX XXXX Student Loans into one with a smaller monthly payment. I received letters from XXXX that they had taken over my loans from XXXX XXXX ( via CommonBond ) and got my new amount and payment information. 

Two years later I found out that there was still a balance owed to XXXX XXXX. My mother was getting the notifications sent to her junk email and told me about it a few months ago. She made a payment at one point, not exactly sure why XXXX XXXX still had a balance. 

For the last couple months, I have been talking to Customer Service at Common Bond and XXXX XXXX, trying to figure this out. I got in touch with CommonBond and worked with a rep named XXXX. We spoke back and forth for a few months. Eventually, she agreed that I should not have a remaining balance with XXXX XXXX, as Commond Bond should have paid all of the remaining balance when I refinanced ( I have our email conversations. ) So I told her that I would like them to fix the issue because they messed up when they consolidated my two loans in to one. She agreed and asked me to refinance again. I went to do so, but then she informed me that my payment cycle would reset. The problem with this is that I am now under a year away from removing my mother as a cosigner. I have never missed a payment or made a late payment and I do not believe it is fair that I should have to start over when they made the error in the first place. 

I called XXXX XXXX to get the exact reason and timing why Common Bond made their error. Here is what I was given : Common Bond paid the incorrect amount for both of the loans they were supposed to pay in full for my refinance. The amount due was {$28000.00} and they paid {$28000.00}, leaving {$620.00} on one. The other amount due was {$15000.00} and they paid {$14000.00}, leaving {$360.00}. They did not do their job in properly refinancing my loan. Where I should have {$0.00} left on XXXX XXXX and only one payment to make, I have been left with two loans like it never even happened. The amount has been sitting an accruing interest. XXXX XXXX also informed me that they didn't pay the amount until XX/XX/2016, even though I applied in XX/XX/2016 and was approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
I contacted by phone, XXXX XXXX XXXX # XXXX out of XXXX, NC on XX/XX/2018 Talked to XXXX ( recorded ) after I found out that Company placed a collections for {$1100.00} for a XXXX   Bill on my credit reports. I let her know that this was not my debt/account. I have no contract with XXXX. Please send me written proof ( copy of contract ) also to remove it from my credit report. I was told she would contact me later after letting her supervisor know what was going on. I heard nothing else from them. Today ( XXXX XX/XX/2018 ) I received from a new collections group, XXXX XXXX XXXX ( ERC ) out of XXXX, FL. I called and talked to XXXX ( again Recorded ) I explained again that this was not my account, but she didn't want to hear that, she told me they collect the money. The amount was for {$1100.00} for the XXXX account. I again asked this company to show proof. Its not in her wheelhouse they just collect. She wasn't going to argue basically its my problem. Me asking how you think I should give you money I don't owe is arguing I guess, instead of trying to help me. She said " we will report it to the Credit Bureau 's in XX/XX/XXXX '' I think she said on the XXXX. I said its already on my report and she said " Not by us! '' She did tell me how she would send me a fraud paperwork packet and I would need to call the police and get a report and all kinds of things for me to do. How about you showing me proof FIRST. This is not fair to demand my money without proof its owed.

I know that collection Agencies purchase debt to collect from others. They are not verified!!! That is now two different collection companies that have and is now, not verifying the owed debt of of person before destroying their credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I was approved for a Bank of America Premium RewardsCredit Card, with a sign-up bonus of XXXX points if you spent $ XXXX in the first 90 days of the account being opened. They have denied my sign-up points for not spending the $ XXXX, even though I have spent $ XXXX within 90 days of my statement balance date, which was XX/XX/XXXX. 

They have said that the time starts when you apply for the credit card, however I believe that your statement balance would be the start of your 90 days. If the application date was your open date then shouldn't that be when my statement date begins? this seems to be misleading that your account is considered open but your statement dates do not match these. I spent the $ XXXX within that time frame but have still been denied the bonus points. 

I have called them multiple times, the first time I called, after I met the $ XXXX, the representative said I had met the requirements and the balance should be credited soon and to call again if I do not see the credit. When I called because the points were not credited I was told that I did not meet the requirements.

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 2018-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I have had a title pawn with XXXX  XXXX for 2 years and I pay XXXX a month..but if I'm late I pay XXXX per day that I am late. For the last 3 months I have really struggled..the payment has went from XXXX to as much as XXXX per month. Last month I informed the store manager that I would be late and she said well XXXX you are always late and this is an ongoing problem. I said yes I am late but i always pay all fees associated with the account. So the store manager say come in on Friday but I can't extend your loan. And that was on XXXX the XXXX..and I asked for another extension..but it was denied. This is a trap for a person to never get his or her title back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2018 XXXX, Transunion, and XXXX RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by  reporting wrong or inaccurate information onto my credit reports

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 2018-10-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2018 XXXX, XXXX, and Experian RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXX XXXX XXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by  reporting wrong or inaccurate information onto my credit reports

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 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an available balance in my account - i use the money - then i have an automatic draft hit my account and bring me a negative balance at which point all the transactions that i did before this will get an overdraft fee. VERY UNETHICAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/2018, I make an online purchase and changed my mind after realizing I didn't need the things I selected. The next day called store 's customer service to cancel the order and was advised order was being processed therefore to cancel the order don't pick up the order at the store when notified. A few months on XX/XX/2018, I received a bill with a new balance for the canceled purchase for {$70.00} plus unknown fees of {$1.00}, totaling a new balance of {$71.00} for XX/XX/2018. Upon viewing the bill I called customer billing service, after much back and forward discussion it was agreed the charges stemmed from the canceled order and would be corrected. I now see after viewing online bills starting with XX/XX/2018, the order price of {$70.00} was removed from my bill leaving the remaining balance of {$1.00} to incur interest for each following month. Accumulating in a new balance for this account of {$100.00}, including an expired refund check for {$1.00} on XX/XX/2018, a late fee of {$32.00} on XX/XX/2018, an interest charge of {$2.00} on XX/XX/2018 and an Account Assure fee of {$2.00} on XX/XX/2018 for insurance that offers no benefits to me considering I'm unemployed due to retirement. Creating a total new balance of {$100.00} for the month of XX/XX/2018 with a warning : Late payment warning : If we do not receive your minimum payment by XX/XX/2018 you may have to pay up to a {$38.00} late fee. All of this for a canceled order that I never taken possession of - there was no fair trade or agreement in this entire process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: OH

Complaint narrative:
I have advised this company several times not to contact me a work, however they have persisted and continue to call me at my job and have put my state of employment at risk due to the numerous phone calls.

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 2018-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BRite Financial Services, Inc.
State: WI

Complaint narrative:
This is NOT a duplicate it is a response to complaint # XXXX. 

I still have NOT received an itemized statement including pay off to date. Extended warranty amount should be subtracted from principle. 

What is the actual amount due the documents attached to the complaint # above have a different amount. 

The 15 days hadnt been allowed per WI cure to default laws. 

XXXX XXXX

Company response to consumer: Closed with explanation