vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
My husband & I took a Home Equity Line of Credit with US Bank in XX/XX/XXXX. We also took joint life insurance and disability on my husband, XXXX, with the initial loan. My husband had used the insurance for a XXXX XXXX about 10 years ago & I believe the insurance paid slightly over one monthly payment & then luckily XXXX went back to work. In XX/XX/XXXX, XXXX was hospitalized in XXXX for 45 days, placed in a XXXX on a XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX I called US Bank to file a claim for XXXX  payment on our Home Equity Line of Credit. The USB representative told me that credit insurance did not include XXXX payments. I asked him to check the original note as we had used it once before. The monthly payments started after much documentation from XXXX XXXX XXXX XXXX to US Bank. We file a doctor form almost every month and the Insurance company sends an ACH credit directly to US Bank.
The problem I am having is not understanding the Payment credit once US Bank posts the payment. There is always a lapse in time from the date XXXX XXXX sends the credit to the date applied at US Bank. Sometimes US Bank back dates the payment & sometimes it does not. Without dates it becomes almost impossible to assess what payment date the insurance payment is crediting to which US Bank monthly due date. I have contacted the Branch Manager, XXXX XXXX and the Personal Banker, XXXX XXXX at my local US Bank in XXXX, WI. Both have tried to help make sense of the payment applications. They have both worked together to get an answer from a division of US Bank titled CLLO, Consumer Loan & Lease Operations Department. The local staff concurs that the information online and on our home equity line of credit statements do not make sense. At times I have a payment due & other times I do not. I have paid them & then had the payment reversed, I have had 2 late charges, one refunded, one in process of refunding for over a month, still showing on my online bank site. I had had automatic payment until XXXX XXXX started to make payments and then US Bank removes the Auto Pay option. I have no complaint what-so-ever with the local bank staff ; however, if the numbers, dates & dollar amounts paid by XXXX XXXX XXXX XXXX do not make sense to me, the bank employees who have tried to help and there is still no help from the specialized division of US Bank, I am left with questions. Is the credit being applied accurately? Is this happening to other US Bank clients? Numbers should make sense and eventually provide a full, clear & concise picture of all transactions. I have been asking for help for 1 year & 8 months.

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 2017-10-05 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: Bison Recovery Group, Inc.
State: OK

Complaint narrative:
RE : The Bison Recovery Group, caller id:XXXX. number left : XXXX They have made frequent and repeated calls 3 or 4 times a day.
They have called multiple times before XXXX and after XXXX.
They have call relatives at XXXX or XXXX asking for me, discussing the collection and threatening.
When I told them to stop contacting me and my family, they continued harassing us. They used obscene, profane, and other abusive language.

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 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NH

Complaint narrative:
I received a letter from DISCOVER dated XX/XX/XXXX in which I was asked to provide updated information on " citizenship and occupation ''. It was stated in this letter that this information was needed " to meet government guidelines that prevent money laundering and terrorist financing ''. I was provided a choice of either going online or calling the number on the back of my credit card in order to provide this information. 
I did neither! I was appalled at what was being asked of DISCOVER customers! 
It is a known fact that questions about citizenship and employment/occupation are requested when one first applies for a credit card. I was also informed that the only government required information from a credit card customer is an actual physical address ; this being an outcome of XXXX when terrorists were using PO box addresses. 
I contacted XXXX by phone on XX/XX/XXXXand sent an email to them to report what I felt was overreach, potential profiling and misleading content in the DISCOVER letter which could cause individuals to provide this information believing that it is by government mandate when it clearly is not. I also addressed this issue directly with a DISCOVER representative in a recorded phone conversation onXX/XX/XXXX. I have further addressed this important issue with the Better Business Bureau and now with the CFPB - both as of today XX/XX/XXXX. My purpose is to enlighten consumers as to what is being asked of them by DISCOVER and how it is being asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Counsel Mortgage Group, LLC
State: AZ

Complaint narrative:
Applied as a first time home buyer. Trusted lender to evaluate amount of mortgage payment I could afford. Lender underestimated closing costs by {$2000.00}. Corrected costs after too late to cancel contract on home purchase. Also found out after too late to cancel and get refund of earnest money that lender qualified me for a home mortgage loan at 55 % of my take home pay, after simple costs of utilities, car insurance, I would have left {$200.00} for all living expenses, food, clothing, gas to get to and from work. Lender admitted by phone that he made errors and would submit a retraction of my loan approval but did the retraction in a way so that I can not get my earnest money back. Lender did not tell me payment amount until after cancellation time had passed. The Administrator of the Real Estate Company I was working with, XXXX XXXX XXXX, called the lender. The Manager of the firm told her they were not working on a loan for me because they did not have a signed loan application. She inquired if that meant they were not working on a loan for me, they responded they were only gathering information yet they have not filed proper paperwork admitting they made a mistake qualifying me so that I can get the earnest money returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I applied online for a loan with this company on X/X/2017. I was approved for a loan of {$1500.00}. At the time that I accepted this loan, the Truth in Lending disclosure was not visable, and it shows an APR of 496.8091 % and that the total repayment amount for my {$1500.00} loan is {$7100.00}. I was not informed of this HUGE interest rate on the loan, I was told that there was a low finance charge. I was never able to view their " Truth in Lending '' disclosure until AFTER the loan had been processed and the funds delivered to my account, which from my research I have discovered is not legal. This company is predatory and their business practices are questionable. I have paid to date {$1100.00} and they are stating that I still owe them {$2200.00} at a minimum. This company should be investigated and stopped from taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Genpact Limited
State: CA

Complaint narrative:
Re : Account # XXXX Amount {$180.00} To whom it may concern I did not receive my last two Re-file Prescription, two times I called XXXX XXXX and they said they were going to looking to the issue, but they never ever called or follow up with me. 
After talking to post office and my postman, they did inform me that, there are so many packages are missing in my track due to theft and after doing more investigations my neighbor couple doors down caught the thief with security surveillance camera ( see attach two photo ) I called XXXX XXXX and explain the situation and told them we do have the police reports as well, XXXX XXXX told me they will have my Re-file Prescription send over again but they never did, Now I am getting this none sense letter which is absolutely unfair, XXXX XXXX is the one at fault for not following up and report inaccurate information to agency, XXXX XXXX never contacted me after I contacted them three ( 3 ) times I am sending this letter with USPS certify mail with pictures attach, for unfair Collection and if I get harass by this agency or any other agency regarding this unfair collection I will exercise my federal Fair Collection Practices Act Rights XXXX XXXX Tuesday, XXXX XXXX, 2017 CC : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RICHLAND HOLDINGS, INC.
State: NM

Complaint narrative:
A debt was submitted to collections based on an incorrect address. The correct address in question was for XXXX XXXX. This debt collector has the address in question as XXXX XXXX. I therefore received no communications regarding this debt from the debt collector or from the original service provider.

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 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I took a loan of XXXX with Care Credit card to cover a dental bill. I was told I had a year to pay it off, after that I would be charge a 26 % annual rate. I thought it was alright. However, either I did not heard or I was n't told that that rate would be charged to the whole loan amount. I was under the impression that the rate was going to be applied to the remaining of the loan. In my case I was {$370.00} away from finishing. It does n't seem fair to pay XXXX more, now having a balance of XXXX. 

I consider unfair to pay such amount of interest rate, when the balance is so low. I feel like I hurried as much as I could to pay off the card, all for nothing. For many people, XXXX might be nothing. Not for me, and many like me that live check to check trying to keep my head over the water. 
I called the company on XXXX-XXXX-2017 at 1:4 aprox. I was not offer any solution. 
I know the return message will say that I am to blame. Fine. I insist, having paid 93 % of the loan means nothing to the bank.

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 2017-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I previosuly filed a complaint against this company under complaint number XXXX. 
The company responded with a ton of statements from the credit card company. 

The company failed to attached what I originally requested which was the copy of the signed credit application so I can file a police report. 

I went to report this to the police department and they asked me to obtain the credit application and bring it back to them. This collection agency on return sent me statements, no signed credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: OH

Complaint narrative:
No one contact me about this debt. I do n't even know what this debt is.

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 2017-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had a private student loan that was charged off around XXXX. The original owner of the loan was XXXX XXXX XXXX South Dakota, XXXX, and the loan was taken out in XXXX. Section M ( 8 ) of the loan documents state that the loan is not dischargeable in bankruptcy during the first 7 years of repayment. In XXXX I filed bankruptcy and this loan was listed as a debt. My bankruptcy was XXXX on XXXX/XXXX/XXXX. Soon after my discharge, Navient began to report this account as a charge off on my credit report. I sent a letter explaining that the debt was XXXX in bankruptcy. Navient responded that the debt is not dischargeable under bankruptcy, however, their letter referenced loan # XXXX which is a federal student loan account that I have with them. This private student loan is reporting as loan # XXXX. Navient has also changed the charge off date on the credit reports from XXXX XXXX to XXXX XXXX. I know that the debt was originally charged off around XXXX or perhaps earlier. I again wrote Navient, asking for proof that they own the debt as well as a complete payment/account history of the loan. To date, their only response has been a letter instructing me to call in. I have tried calling in to request these documents on several occasions to no avail. I am constantly put on hold and then no one returns to the phone. Based on a recent statement from Navient, they are now including the charged off amount in my current balance, bringing it to {$48.00}, XXXX, while still reporting the charged off debt with a balance of {$12000.00}, which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Early this morning around XXXX am I paid my bills online. I then went to purchase dressers on XXXX website, I 'm a XXXX veteran and I finally saved enough money to get a Dresser. So to my surprised it was declined, I went to call XXXX because I knew I had funds in my account. The lady I dealt, XXXX with was very condescending and did not do her job correctly. Her manager is XXXX XXXX. I have gone without furniture in my place for over a year so obviously I 'm upset that I am not able to use my own money. I sent an email to the company about the incident, I get an email back. I thought maybe it had to do in regards to that. Nope it was a the security check that they had to take off my account which she did not do which brought another decline to the same order. Not once, but several times. I get it, I 'm a veteran and I have the premier account. I do n't have XXXX dollars in my account and obviously they treated me differently than a wealthy person. I lost out on some money several times using coupons not able to be used again for my purchasers. I do n't have much funds so whenever I find a deal I have to jump on it. This definitely agitated my XXXX dealing with this character and the lack of response to my money and embarrassment of being rejected several times at the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is the result of job fraud. Capital one is holding me responsible for the following transactions XXXX/XXXX/XXXX {$3400.00} XXXX/XXXX/XXXX {$3700.00} XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$4000.00} XXXX/XXXX/XXXX {$1100.00} These we XXXX XXXX purchased which XXXX XXXX XXXX XXXX depleted the cards XXXX I reported this to the police and filed a report in XXXX XXXX once I realized something was not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a balance on my XXXX XXXX American Express card of approximately {$10000.00}. I have been late on payment in the past, but not severely late. I now find out that they are charging me 29.9 % interest on my remaining balance. That rate far exceeds the criminal usury rate in New York as provided in XXXX XXXX XXXX XXXX. 

I called XXXX in the hope that they would agree to some reasonable rate of interest until I could pay of the balance. They declined to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, Diversified Consultants sent me a letter telling me that my account with XXXX was referred to their office for collections. Yet, they posted it on my credit reports before the date of my letter. I asked them to validate the debt, I never heard back, I asked them again to validate the debt, I never heard back ( this was all by certified mail ). I sent another letter asking them to debt the debt but they said no. I called them on XXXX XXXX and told them that I had a zero balance with XXXX. They said that I would need to prove it. I went to my local XXXX office and sent Diversified my statement that said {$0.00} balance. They said they will report to my credit report that it was paid. I stated that I never owed Diversified the debt and it should be deleted. It is still on my credit report. They are reporting false information and it is affecting my credit. I should not have to jump thru hoops for an unethical company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I graduated in XXXX with my XXXX. and in XXXX with my XXXX. At the time I was working full time, raising a family as I went back to school when I was older. My loan payments were never at a payment that I was able to make, therefore had to do forbearance and deferments. The interest that has accrued made my total to repay {$130000.00}. My family and I live in a XXXX bedroom house because I ca n't afford to move and my credit is horrible because I ca n't afford my XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently disputed an account on my Experian credit report, XXXX XXXX, because I did not recognize an old paid off charge off. It was investigated by Experian and deemed to be mine, but then they reaged the account on my Experian credit report to show the date of last delinquency as XXXX even though the account has been paid off since XXXX. This caused my FICO score to drop by over XXXX points because it 's showing a brand new delinquency when there is no delinquency. I contacted Experian by email, but no remedy has been applied. This is going to cost me a lot of money in higher APR 's as well as potentially altering my current credit cards/loans into risk based pricing. I feel that this was done as a deterrent/adverse action to disputing information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
First Disputed this debt on XX/XX/XXXX with all 3 credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Portfolio Recovery Associates, LLC has been reporting on my credit and fails to provide proof of my obligation to 2 alleged debts which has been requested two times already. They have sent me spreadsheets with an account numbers and balances of these debts from the original creditors, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see a signed contract saying that I am liable for these 2 debts and that Portfolio Recovery Associates, LLC has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Portfolio Recovery Associates, LLC, they state " In response to your dispute, we have requested that the 3 major credit bureaus change the status of this account to dispute resolved consumer disagrees. '' I feel that this action was taken by Portfolio Recovery as retaliation for disputing these debts. These debts are beyond the Statute of Limitations here in Pennsylvania. I have also requested that Portfolio Recovery stop contacting by phone, and only contact me by US Mail. However, they continue to call me. I am requesting to see a signed contract for each debt and creditor with my signature on it, verifying that these debts are in fact mine.

Company response to consumer: Closed with explanation