vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
After calling and confirming that Barclays was waving fees for military members, I applied and was approved for the Luxury Gold Card. Shortly after I recieved a statement from Barclay 's confirming my annual fee would be waived along with a reduction in my apr to 0 %. One year later, Barclay 's has come out saying this will no longer be the case, and that I will be responsible for the annual fee of the card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implications only after being told that the conditions would remain the same " as long as I remained on   XXXX   XXXX  . '' I have been and will continue to be on   XXXX   XXXX   for the foreseeable future. As I am continuing to meet my obligation under the original terms, I would ask that Barclay 's honor their original agreement with me.

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 2017-04-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am writing your agency because I did a complaint previously in here regards some charges on my Capital One card, case #  XXXX , about  XXXX  disputed charges from the merchants  XXXX  and   XXXX   XXXX  . I got a response and it says that the merchants responded to the dispute notice and based on the information they received, the merchant 's decision not to honor my refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. In resume they denied because they are saying they sent a copy of the merchant 's cancellation policy, the point is if they DID NOT provide the services that I paid for, then none of this cancellation p olicy matters.They calle d me unsolicited, pushed me their services as needed and now they did not deliver it. So I am looking for my refund as they were incapable of do the work that I paid them to do it. The reason why I started the dispute is because the services were not rendered by the companies, I did authorize the merchants to charge my card, but I did not receive the services that I was led to believe that I paid for. They made me a bunch of promises and they did not fulfill with their end of the deal. I am very upset because my bank is not even trying to understand my situation. I tried to open a dispute right after the charges and it seems like they are ignoring the fact that I got scammed by these scam artists. All I am asking is the chance to open a dispute. I tried to resolve with the merchants but they do n't respond my calls. All I want is my money back. Even if they tell me they did work for me now it is too late, since after I paid them I could barely get in touch with them or get any straight answer from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
Last year my student loans were transferred to Fedloan Servicing after I submitted paperwork to be part of the Public Service  Loan Forgiveness ( P SLF ) program. Since that time, Fedloan Servicing has begun to count my qualifying payments. However, they are counting only the qualifying payments I have made to them and not including those made to my previous loan service provider. My student loans were previously with  XXXX , during which time I made 12 qualifying payments. I have contacted Fedloan Servicing numerous times to request that the  XXXX  qualifying payments I made to  XXXX  be reflected in my account as qualifying payments. Each time I call I get a different story and a different explanation of the process. I want my 12 qualifying payments mad e to Nelnet to be r eflected in my account with Fedloan Servicing, this is something that should have been done automatically when my loans were transferred. Why would n't they have done this when my loans were transferred in the first place? Obviously the loans were transferred because I had qualified for the program! I do not wish to spend the ne xt 8 to  9 years dealing with this problem. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am making a dispute against IC syste m, Inc in a resp onse to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices A CT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This a ction constitute fraud under both  Federal and State Laws.

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was never late on my autoloan and they reported me late. I have proof. They reported me late and wont remove it. They told me to email them about it and I received no update.

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 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
they charged me overdraft fees a bunch of times

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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A cas e (  #  XXXX  ) was submitted back in  XXXX     2017 to the CF PB for a company reporting on my report, Stellar Recovery. The company stated they would obtain and send verification. I have not received said verification. I have disputed as such with the credit bureau. Transunion has yet to investigate my claim given into account all the evidence submitted showing my attempts to obtain validation from this company. The item continues to be reported, hurting my credit profile and financial reputation.

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 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank  of America allo wed an account to be fraudulently opened using my personal identifying information without my authorization or knowledge in another state. I contacted B ank of America  and informed them of this to which they replied the account had been closed but my personal information including drivers license, social security number, name, and date of birth are being retained in their " black list, '' and as such I am unable to open an account with them, even though it was confirmed fraud and the account was opened without my knowledge.

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 2017-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: OH

Complaint narrative:
I had a land contract on my house loan was paid off  XXXX   2016, deed ha s not been transferred to date. Contacted company to no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I 've had a home equity loan w ith BB & T for abou t 13 years and a few month ago I converted the home equity line to a regular term loan. About 60 days after this transaction I checked my credit report and found th at BB & T was rep orting the home equity line as closed but the outstanding amount was still showing in my revolving credit as debt. In this same credit report the term loan was also showing up with an the appropriate outstanding balance. I contacted the the credit bureau and filed a dispu te. BB & T res ponded and said that because the revolving loan and the term loan had the same account number that it was reporting correctly.   My concern is that my debt ratios are being impacted twice by the same loan. I explain ed to BB & T t hat the reporting of the revolving loan being closed is correct, but they need to  XXXX  out the outstanding balance. Given that this is the same balance that is reflected in the term loan the credit bureau is counting the same dollars twice. Please note this account is current and has never been late.

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 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I contacted  XXXX   XXXX , now Navient 10 years ago to make sure I was doing what I needed to do for Loan Forgiveness For  Public Service. I h ave worked full time in the school system and have made every payment. I was told 10 years ago that I was in the program because my loan is a Stafford Loan through FFELP. I thought all I had to do is make the 120 payments, remain employed and the loan would be forgiven. Now I am told that I was never in the program because I did n't consolidate into a Direct Loan. I consolidated in  XXXX  and until a month ago when an ombudsman said anyone in this program needed to consolidate in  XXXX  I had no idea. I do n't know if they just did n't know what they were doing or purposefully lead me not to move the loan because they would have lost the {$60000.00} I have already paid as well as the {$41000.00} remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I OPENED AN ONLINE CHECKING ACCOUNT WITH CAPITAL ONE, I PUT MY SON WHO IS A  XXXX  VET DOWN AS CO-ACCOUNT HOLDER I GAVE CAPITAL ONE HIS ADDRESS SOCIAL SECURITY NUMBER AND ALL ITEMS TO HIS I.D . I DEPOSITED A CHECK FROM NY STATE REFUND THEY ENDORSED THE CHECK. MY SON IS HOSPITALIZED AT A VETERAN HOSPITAL IN NY  .CAPITAL ONE FROZ E MY ACCOUNT AS I AM THE PRIMARY HOLDER. UNTIL THEY CAN SPEAKE WITH MY SON MIND YOU THE CHECK IS IN MY NAME  XXXX   XXXX , I 'VE TALKED TO MANY A CAPITAL REP 'S THE SAME OLD SHUFFLE.I TOLD  XXXX  MY SON IS IN A  VETERANS HOSPITAL WE RE NO PHONES ARE ALOWWED AND THAT I 'M WHELL CHAIRED BOUND THE Y DID NOT CARE .THIS H AS BEEN ON GOING FOR SOME DAY ' S .I TOLD CAPITAL ONE SE ND THE MONEY BACK TO THE STATE OF NY THEY SAID THEY WOULD NOT, SO THEY JUST GOING TO KEEP MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
A fraud alert was placed on my Equifax reporting with the old/ incorrect phone number. Now when I try to apply for credit, the company 's will not talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: MORGAN STANLEY & CO. LLC
State: TN

Complaint narrative:
This complaint is necessary to ensure the recovery of a collection firm 's fee s (  excessive relative to the small size of the note ) are not the determining factor in a foreclosure sale currently set for  XXXX   XXXX . Consideration of that issue is requested relative to mortgage complaint #  XXXX , as well as directly related complaints #  XXXX  and #  XXXX  on the issues that precipitated the collection action.

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 2017-04-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
1.Shellpoint Mortgage Servicing, LLC, a collection  agent for  XXXX  has been contacting me illegally concerning my home mortgage. I have an attorney of record,  XXXX   XXXX . All correspondence, or any contact, should go through her office. They have done this numerous times, and must stop this practice immediately. I had the same problem with  XXXX  's debt collector,  XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  wrote a response to CFPB agreeing to extend the no contact agreement until  XXXX   XXXX   XXXX , or the alleged life of the loan.. That agreement should extend to Shellpoint, also. 2. That  XXXX ,  XXXX ,  XXXX , and Shellpoint immediately cease alleging that  XXXX    XXXX   is the Trustee on the Note of my fraudulent Loan.. On  XXXX   XXXX ,  XXXX ,  XXXX    XXXX   agreed to a  XXXX   XXXX  dollar settlement with the Dept of Justice for their fraudulent lending practices.  XXXX   XXXX  admitted the illegal packaging, securitization, marketing, sale, and issuance of residential mortgage-backed securities Their illegal conduct including, shoddy underwriting and improvident lending practices, forced many homeowners out of their homes illegally. These fraudulent Notes were converted between  XXXX  and  XXXX , including our loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am going through a divorce. I was awarded the home and need to re-fi. I inquired with my banker, Ba nk of America, w here I am a preferred rewards customer with all of my savings invested there. The issue involves their refusal to refund the appraisal fee of {$540.00}.      X/XX/17    : I locked i n a 30 y r. re-fi rate at 4 %. Began the application process.      XXXX  : BOA charged my credit card {$540.00} for upcoming appraisal.      XXXX  : BOA contacted me, asking about timeline on divorce separation agreement. I confirmed that I was giving my wife five months to find a new place, and I would temporarily vacate and live with friends.      XXXX  : Appraiser came in the morning. In the afternoon, BOA emailed and said they could no longer offer me the 4 % rate because of my timeline. They said I need to be in the premises 30 days after closing. They said they could still do the loan, but at 4.5 %. I said NO THANK YOU and PLEASE REFUND MY APPRAISAL FEE ( {$540.00} ) since BOA knew about my divorce timeline THE DAY BEFORE THE APPRAISER CAME.     I have escalated to no avail.

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 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I do not know where to put this under but MCM is calling numbers that do not belong to the person who they are trying to reach. The numbers on the account my number belongs to is not even under the persons name they are trying to get a hold of so how is this legal . I may be  the husband but my name was never on any account with my wife 's and this number was originally a business number that I had for a year before switching the number to an account that is not mine or my wife 's. There is no possibile way that MCM found this number under my wife 's name since it was under  XXXX   XXXX   XXXX  and then went to my mothers name who shares no last name or any similar name with me or my wife. How do I know MCM has not called anyone else under my mothers name and disclosed information. These people are doing illegal stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synovus Bank
State: TX

Complaint narrative:
I had a collection beacuse I have not paid to Fisrt Porgress and They pass the account to  XXXX   XXXX   XXXX   XXXX . I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  ,2017 Afte r paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the lette r from First Progress, whic h is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost four times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   Help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have a credit balance on my PayPal Credit account. I have asked twice that this credit be applied to future purchases. Yet when I charge a purchase against this account, I continue to be invoiced monthly for these purchases. When I pointed out on my last statement that PayPal actually owed me money, I was told that the credit reflected a pending disputed charge. However, there is no dispute for the amount of {$71.00} on my account. The only disputed charge is for {$5.00}. All other disputed charges since 2010 have been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Pending Company Match
State: FL

Complaint narrative:
On  XXXX     2017  I went into my local branch of  Wells Fargo to close out my account. While attempting to do this they could n't find any information associated with this account. While doing this I found out that my checking account had been changed to a brokerage account. I do not remember authorizing this.Of course I was getting monthly statements in the mail as per Wells Fargo Exhibit 1,  so they did have some information about me. They stated I would have to fill out paperwork for Corporate Account and Supplemental Account Owner Documentation in order to get my money. I did and it was faxed to  XXXX    XXXX   by  XXXX   XXXX  at the branch that day as per Exhib it 2.  When I called to get my money  five d ays later they said that I would have to fill out another document, a  Corporate Resolution as per Exhibit 3. In the meantime I get a letter in the mail from Wells Fargo Advisors, Exhibit 4,  stating that they have n't been able to get in touch with me although the forms that I filled out on  XXXX  had that information. That letter was dated  XXXX   XXXX  although I did n't get it until  XXXX . A week later I called again to close my account and they said that they needed yet another document,  Supplemental Account Owner Documentation, Exhibit 5. One week later hoping to finally get my money I was asked to provide yet another document, their Corporation Account, Exhibit 6. I was told I would finally get my money through the mail in two day  s, on Friday, only to receive a a Securities Account Agreemen t Margin Account document. I think I have been more than patient and have bent over backwards to provide documentation that they should have had and once did have. I refuse to fill out any more documents and expect this incident to be settled forthwith.

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