vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have spoken with Barclay bank numerous times since they will not lower my interest rate at almost 26 % and have spoken to their credit counselors, and they are not able to help us and the payments would basically remain the same. I asked if we could work out much lower interest rate or pay off settlement since we are not using the credit card, and paying monthly payment of {$80.00} with only {$20.00} going towards principal. This card would take 20 years to get paid off. they said they can not do anything for me so i told them i would reach out to the government agencies.

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 2018-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: AL

Complaint narrative:
I fulfilled my lease obligations. I bought a vehicle when my lease was up and part of the deal was the dealer being XXXX XXXX XXXX was going to pay my last note to bmw financial. They paid the note but given incorrect amount by Bmw financial. I called Bmw financial 2 months before my lease was up and was told that I would receive a {$300.00} credit bc I was under my mileage by almost XXXX miles. I receive the {$800.00} plus bill that is in collections. They confirmed they received pmt but for whatever reason they did not issue my {$300.00} credit or post pmt. have contacted them 20 plus times been told I can not speak to a supervisor they said they would settle for {$170.00} instead of {$300.00} disposition fee which they arent now. I owe nothing. They are billing tax on everything as well. My car note was {$490.00} its their fault they told Bmw XXXX {$450.00}. Tried to fix that I got letter saying call dmv we are billing for tax. Im a XXXX XXXX  family widow of XXXX died on XXXX XXXX I dont pay car tax. Now they are ruining my credit. Doesnt seem legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: OH

Complaint narrative:
My son and I were driving to Florida. While I was sleeping, on XX/XX/XXXX, he approached a toll and understanding that we have XXXX, he went through the section that allows you to go through. Not thinking anymore about this, I received a letter from the XXXX XXXX XXXX XXXX XXXX that I owed {$25.00}. Concerned, I spoke with a lady that totally understood the situation and said I'm not alone it's happened to others and that XXXX does not accepXXXX XXXX   customers. So rather than contacting me first to pay the {$.00}, they send it to a colleciton agency without notice. I would think that this is not legal to do, making no attempt what so ever to collect it. Keep in mind that there is no sign stating that XXXX is not acceptable and according to my Attorney said if this problem exists, it should be stated XXXX  only and it doesn't. She told me to write a letter explaining what had happened and wait to hear about paying the toll due. I had no problem doing so. She said to address the letter to XXXX and mail to XXXX XXXX XXXX in XXXX, WI XXXX and I did so on the XX/XX/2018. In XX/XX/XXXX, I received a second collection letter that never acknowledged my letter sent in. I called again and spoke to XXXX on XX/XX/18 and again she gave me instructions on what to do to remove this fee and to include a letter of explanation in which I did for the second time that stated the same thing written inXX/XX/XXXXassuming this had been taking care of. Per her instructions, I should get a letter telling me what I owe to pay just the toll which happened to be {$.00}. Then I received a third letter with no acknowlegement of letters 1 & 2 that had previously been written.. This is harassment as far as I'm concerned. Getting real here, do they really think I would intentionally go through a {$.00} toll??? I don't think so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
On XXXX or XXXX I called Navient to inform that I don't have contact with the borrower, XXXX XXXX XXXX XXXX and he is FULLY responsible of the account. 

They told me if he paid on time for a full year, I could be released. I believe he had paid a full year on time and my information still on that account. 

He's married, and I don't have contact with him for more than eight years. He's not an organized person and in the good deed of removing me from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: DISCOVER BANK
State: NJ

Complaint narrative:
Incompetent Discover card prepared a letter dated XX/XX/2018 on case number XXXX claiming based on new information received that they are applying the disputed amount back to the account based on new information received. There was NO new information attached to the letter it was the same old information submitted previously by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP
State: NY

Complaint narrative:
I received a letter From Mandarich Law Group , LLP for Creditor : XXXX , XXXX When I responded to Mandarich Law Group , LLP with a Certified Mail Letter and they refused to pick it up on two attempts from the Post Office

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In my home equity line of credit # XXXX there was a balance advance of {$5000.00} done on XXXX which I did not do. I called on XXXX! And nothing was done, I called on XXXX and told to go to a branch to fill out a fraud affidavit, which I did. Per affidavit it would take 3-4 days. I called on XXXX and nothing has been done. They were going to send an email to the loan department that can take several weeks. I requested for the line to be frozen, I have not be given any information on the new number, did the reversed the transaction while they investigated. I feel very upset, I have not been treated fairly in this process. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
DATE XXXX-18 OVER 30 DAYS Tranunion, XXXX, XXXX  HAVE NOT COMPLIED WITH REGULATIONS. 

XXXX  CERTIFIED MAIL # :XXXX XXXX. XXXX   XXXX XXXX. XXXX, GA XXXX. 


Dear Sir or Madam : I am a victim of identity theft. The information listed below appears on my credit report but I did not make or approve of these accounts, phone numbers, addresses, names, inquiries request for credit resulting in a credit inquiry. This happened because of identity theft.

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 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX I called XXXX to inform that I don't have contact with the borrower, XXXX XXXX XXXX XXXX and he is FULLY responsible of the account. 

They told me if he paid on time for a full year, I could be released. I believe he had paid a full year on time and my information still on that account. 

He's married, and I don't have contact with him for more than eight years. He's not an organized person and in the good deed of removing me from the loan.

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 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/2018 at approximately XXXX CST I attempted to use this card to pay a charge from my tree service. The merchant called me back 5 minutes later and stated that the charge had been declined. Because of ongoing problems with Capital One and another CFPB complaint ( XXXX ) it looked like a Capital One issue, so I called their " Customer Service '' dept. 
I was told by a CS rep that the charge had been declined due to a " fraud authorization strategy. '' She was unable to tell me either what was wrong with what the merchant had submitted or what I needed to do to pay my tree service their {$2900.00}. I asked and was transferred to fraud dept. 
The first fraud rep was unable to tell me either what was wrong with what the merchant had submitted or what I needed to do to pay my tree service their {$2900.00}. She responded to those direct questions with boilerplate and platitudes. I asked for and was transferred to her manager who repeated that boilerplate and those platitudes. I hung up and called back, reaching " XXXX in XXXX at approximately XXXX CST. 
When I attempted to complain about the previous reps, XXXX chastised me for not obtaining their IDs. I asked to be connected to XXXX in the Executive Resolution Dept., as she was handling my previous complaint. He again chastised me for not having her ID although he never gave me his! He said he would try to find her but instead cold-transferred me to the CS queue. 
I called back and spoke to XXXX XXXX in XXXX VA at XXXX CST and left an urgent message for someone from exec resolution to call me. Nobody has called me. 
Yesterday I spoke to XXXX XXXX. She immediately gave me the information needed to have the merchant successfully resubmit the transaction. What awful customer service you have provided, Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Back in XX/XX/XXXX I tried to work with Wells Fargo on a loan Modification They could never find my paper work So recently I filed a complaint with you Complaint # XXXX for which Wells Fargo said I was denied back in XX/XX/XXXX now they are saying I was approved and never signed and returned the paper work for which they could never find??? Now after several months of phone tag a XXXX XXXX XXXX Ext XXXX tells me that i was accepted for a loan Mod but I never received the paper work back in XX/XX/XXXX because they could never find my paper work. So which one was it Denied? or Accepted? Funny that back in XX/XX/XXXX/XX/XX/XXXX they could never find my paper work until recently I was told that back in XX/XX/XXXX I was denied, Now they are saying I was approved but failed to sign and return their paper work for which I never got. This XXXX XXXX must think I'm an XXXX My question is if they could never find my paper work until recently XXXX minute I'm denied in XX/XX/XXXX and then in XX/XX/XXXX I was approved. All Wells Fargo wants to do is play games with people so they don't have to pay up. XXXX told me I short sold my home on Bad advice since I was approved They never could find my paper work. But Wells Fargo kept accepting my partial payments. XXXX called me on XX/XX/XXXX to put me down.

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 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have filed two complaints against U.S. BANK with regards to the Violation of the Fair Credit Reporting Act. 

They are avoiding my complaint which was solely and completely about the fact that they violated my privacy by divulging my personal information to my daughter XXXX. My daughter is NOT on a co-signer on any of my business or personal accounts and does NOT have the right to know my personal information. 

I am filing a 3rd complaint, to get XXXX XXXX, on behalf of U.S. BANK, to respond to this Violation of the Fair Credit Reporting Act. 

In XXXX letter to me, he states, In regard to your concern, please know U.S. Bank places your privacy and the security of your information as a top priority. However, they breached my confidentiality and wont even address my complaint with the CFPB. 

On XXXX at approx. XXXX XXXX CST XXXX, in 24 hour banking, told my daughter, XXXX, that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. 

XXXX VIOLATED MY PRIVACY RIGHTS This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted STRESS. 

I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information. He filed a formal complaint for me. 

XXXX told me that " XXXX '' was XXXX 'S Supervisor. They let me know that the conversation WAS RECORDED and action would be taken to review the tape and discipline XXXX. I asked to have the legal department get in touch with me, to settle this matter. 

I have retained an attorney to handle this issue, but would like a reply to the Violation of the Fair Credit Reporting Act by U.S. BANK. 

Thank you.

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 2018-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
FIRST FED CREDIT CONTROL # XXXX, # XXXX, # XXXX, # XXXX, # XXXX To Whom It May Concern : This COMPLIANT is being sent to you in response to your recent communication This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 
Your legal staff will agree that compliance with this request is required under the laws of Ohio and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX 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 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
Ocwen loan Servicing LLC has started to charge a service fee to pay the mortgage payment online. They can not just decide all of the sudden that they require us to go paperless to pay online. There is nothing in my note that says they can change the terms of how I make my payment and charge a service fee. They told me I had no option but to pay the fee in the future. This is one more fee that they have decided to get in bed with XXXX XXXX and make money and it's not necessary. They either need to offer the service to all clients regardless of statement option or not at all, but to change it in the middle of the loan is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied and was approved for {$500.00} credit limit with Citi-Bank for a XXXX gas card in XX/XX/2018. My first statement due date was to be XX/XX/2018. I was unable to access my or set up my profile and or online payment methods till I had to call and be reset and talked through the process. At that time I had set up payment method and made a full payment, paid off my balance on XX/XX/2018. I received a call today XX/XX/2018 in regards to late payment. After looking into it with customer service they had told me my payment was returned the very next day on XX/XX/2018 because a phone number didn't match the banks information. I've been penalized for late payment and fee because of this. I've requested a letter of findings, credited later fees and a copy of my credit report for future credit score discrepancies. I then asked where to go online on their website to visually see the information I had set up to cross reference with my bank and was denied. A lack of due-diligence on Citi-banks side has caused this to escalate. If I would of been contacted in a more reasonable time my payment method would of been corrected, I would of been able to have my payment in on time and I wouldn't be worried about this effecting my credit score or having any delinquencies in regards to this Im unaware of.

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 2018-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certegy Holdings, LLC
State: TN

Complaint narrative:
XXXX XXXX, XXXX, XXXX ( XXXX XXXX ) uses Certegy Check Services to collect on checks that are returned for insufficient funds. XXXX was taken a cashier check in the amount of {$2500.00} for ck # XXXX dated XX/XX/2018, XXXX XXXX that was returned. I was asked informed by the XXXX employee the check would be shredded, Certegy Check Service presented the check to my bank for payment XXXX and it was paid even though they had a cashier check in their possession. 
I've spoken with Certegy several times. I was told the refund check of {$2500.00} was mailed out XXXX but I have not received the funds. I spoke with XXXX XXXX Dealer Manager with XXXX and he also stated the refund was mailed out. This lack of assistance with this matter is urgent and I feel I'm being misled on purpose. Is this a practice for Certegy and XXXX to not refund Clients funds if so I'm requesting their collection practices be investigated for their collection practice.

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 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently had a dispute with Equifax when they would not take a collection off of my credit report. Well, when I paid for an Equifax credit report and an XXXX  report I was shocked at what I saw. While Equifax claims a XXXX ( Good credit score ) and they say XXXX  has a XXXX ( fair ) and XXXX XXXX XXXX ( fair ) credit score. 
Now I also paid for an XXXX  credit report and it states XXXX with a XXXX credit score ( good ) XXXX XXXX XXXX ( Good ) and XXXX at XXXX ( fair ) XXXX has a collection acct, but they say it's closed, but yet it is still on my credit report. The other companies have deleted the neg. acct. How can a closed acct still appear and is judged against me in getting credit? 
It would appear to me that these companies are manipulating credit scores and other accts on their reports to enhance their reports when people pay for the results. I can see when you pay for the report the results are very different than say XXXX XXXX. Why are these companies allowed to manipulate your report for their own self-serving needs? Information is being formulated to and displayed so you pay for their services. 
These companies should not be allowed to unfairly input or delay information that is on your report. People depend on these reports to get loans, credit etc. You have no control over what is on your report, they have the control which can make or break your loan and other things I think it is not fair nor should it be legal. These companies are the basis for what your credit rating is. If they decide to make it bad that is totally in their control.

Company response to consumer: Closed with explanation