vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have attempted to set up an auto payment on my credit card through the bank of America at least XXXX times over the past two years. I finally set up a minimum payment auto pay for {$130.00} monthly for one year via phone payment center ; I set up alerts on my online account and was never notified that the minimum payment set up given to me was not the correct amount due ; I have been charged a late fee for several months and despite calling in my payments, I am still being charged late fees. I believe the web auto pay is set up to make if impossible to use, the phone system is apparently worse, I have been deceived about the amounts due for my minimum payment ; I have been restricted from using the on line billing auto payment and I believe this is all done to defraud consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Caliber Home Loans holds my mortgage. In XXXX 2015, they overpaid my state and local property taxes, resulting in an account deficit, and have for months refused to issue the appropriate refund. Due to Caliber 's error I have lost accrued interest and now my escrow amount due was recently increased to my detriment and through no fault of my own. See this e-mail thread for a summary of the problem : Thanks, XXXX. I greatly appreciate your time. Please find a full accounting attached. Please note, that I pay taxes on the unit and the parking space separately, hence the XXXX line items. Respectfully, XXXX and the involved Caliber folks are mistaken. Please escalate this as you see fit. 
At closing, the following payments were made ( see attached HUD-1 ) : Closing - {$1700.00} of {$2500.00} annual tax assessment ( {$1200.00} due XXXX XXXX and {$1200.00} due XXXX XXXX ) Closing - {$190.00} of {$330.00} annual tax assessment ( {$160.00} due XXXX XXXX and {$160.00} due XXXX XXXX ) After closing, in total, I owed the county {$780.00} ( {$2500.00} - {$1700.00} ) and {$140.00} ( {$330.00} - {$190.00} ). 

Please note, that had I not paid taxes at settlement, Caliber 's payments would have been proper. Unfortunately, Caliber overpaid as follows ( see attached Caliber Escrow Report ). 

XXXX - {$1200.00} XXXX - {$160.00} Therefore, exclusive of lost earned interest, I am owed a refund of : {$480.00} ( {$1200.00} - {$780.00} ) and {$21.00} ( {$160.00} - {$140.00} ) Moreover, according to the online Caliber portal, Caliber intends to distribute even more funds in XXXX ( see attached Caliber Escrow Report ). 
Thanks XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently had a credit card cancelled due to information in my Equifax report. I have attempted to request a copy of the report through the Equifax web site, and find that although Equifax claims that you can request a report under these circumstances from the site, it is difficult or impossible to do so and Equifax steers you toward purchasing a report. Information on how to obtain a free report through the site is hard to find and results in broken links when you do find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: KS

Complaint narrative:
Approximately two weeks ago I mailed a money order for XXXX, XXXX to Nationstar Mortgage to pay off my loan based on a payoff amount they quoted me over the phone. They have my money order according to a phone call to them today but have not credited my account with it. They said it was short by XXXX. I said you should credit the payment, tell me what I still owe and I will pay it. They said it would be credited today. As of XXXX tonite it still is not there on my account online. They are charging me additional monies everyday even though they have far more than what was owed currently. They have my money and are purposely not applying it to the loan and accruing interest and penalties on the account. I know this is illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
My wife and I received a letter in the mail dated XXXX XXXX, 2016, from XXXX Mortgage stating that the servicing of our mortgage had been " assigned, sold, or transferred to Lakeview Loan Servicing, LLC, '' and that we " will be receiving a letter with [ our ] new loan number and instructions for making [ our ] payments from the new servicer. '' We waited, as instructed in XXXX 's letter, for instructions and a new loan number from Lakeview Loan Servicing, LLC, but, it is now XXXX XXXX, and we have still not received a letter from the new servicer. I tried calling Lakeview Loan Servicing, LLC, twice this morning, but I ca n't reach anyone there. The second time I called, I was on hold for over thirty minutes and their phone system hung up on me. 

I tried to set up an account online on their website in order to create an automatic recurring payment, but I need my new loan number from them to do that, and I ca n't get my new loan number until they send me something in the mail or I can reach them by phone. It 's like they do n't want our money. 

We just want to make our payment on time. It is incredibly frustrating to wait and wait and never hear from our new servicing company, and then when we need to reach them, we ca n't even get them on the phone. It 's disappointing that, as consumers, we have no say in who services our mortgage, and we are stuck with any company our loan servicing is sold to, for up to 30 years, regardless of the new servicer 's customer service record, without our consent.

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 2015-12-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I had filed a dispute towards a collections company who was reporting along with a second company a debt of {$610.00}. I sent a letter of debt verification which they could not respond to. This debt was not mine, they removed it from my credit report already. Now this new company has popped up in my credit report, reporting the same exact information. 

I have no idea who this company is or why they are reporting to my credit reports but I will be sending a letter of verification and filling a complaint because I have no idea who they are. 

This was XXXX 's closure response : " The account was recalled by XXXX on XXXX/XXXX/XXXX. The account was submitted for deletion from the credit report on XXXX/XXXX/XXXX. 

However, since she has indicated that the account remains on her credit report, we have submitted an online manual deletion on XXXX/XXXX/XXXX. The XXXX reference number is XXXX. 
We believe that this will resolve this matter for this consumer. If you have further questions, please feel free to contact XXXX XXXX at XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
The {$280.00} balance has been paid since at least 2013 and should no longer be reflecting on my credit. I have a paid letter and have submitted it via mail to all bureaus, but it was returned from each XXXX. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I purchased a computer from Best Buy using my Best Buy credit using a promotional option. The promotion offered 18 months to pay with no interest. The total was not paid by that date. Soon after this period I noticed that the amount owed had jumped by {$280.00}. After contacting Best Buy it was explained that that total included all past interest that had been waived. 

When I made the initial purchase I was not told that the past due interest would be added to any outstanding balance. During that conversation I was told that my e-invoice stated this policy. In order to see this information I would have needed to download my statement, which I had n't done. I paid directly within the " make a payment '' options, or over the phone. 

I have since paid the balance I feel is the amount that I owe. I have also asked my attorney to send a letter explaining the circumstances to Best Buy via certified mail. My attorney 's records show that the letter was received. Best Buy has opted to not respond to the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I received a copy of my credit report and notice an account from Common Wealth Financial that I do not recognize. I sent a validation letter to Common Wealth Financial requesting information on the account they claim I owe them. The letter was sent on XXXX XXXX, 2016. They have not provided proof that this account belongs to me. I also sent dispute letters to each of the credit bureaus. XXXX and XXXX have deleted the accounts however XXXX continues to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
I went to a local Sun Loans branch to pay of a charged off account. The amount I expected to pay was {$290.00} plus a late fee of {$10.00}. The Manager and assistant manager of the location informed me that the late fee was {$60.00}. I had actually defaulted on the first payment due to loss of employment. I explained to the XXXX Sun loans reps that there should only be XXXX late fee as once the account is late I should n't be charged additional late fees. I was then belittled by the store manager and told that I would have to pay the late fees totaling {$60.00} which is XXXX late fees instead of the XXXX late fee. I asked the manager to show me the signed contract stating that I was responsible for paying cumulative late fees. She then produced the contract that according to how it was worded I should only be charged XXXX late fee. To prevent further attempts of belittlement by the manager at my expense, I then payed the amount they were demanding and informed them I would be filing a formal complaint concerning their business practices. The paid in full receipt list the {$60.00} as " Plus other charges ''. It does not describe what these charges are for. I work hard and honest for my money and do not appreciate a business not only attempting to belittle me but also overcharge me by using unfair business practices. Thank you for your time and help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I was notified through a credit monitoring service that I have a collection outstanding with Professional Finance Company XXXX XXXX, XXXX, Colorado. I contacted them on Friday XXXX XXXX, 2015, in order to get verification that 1. ) the debt is valid and 2. ) information regarding from whom the alleged debt is being collected, 3. ) any sort of proof that I was properly served by the alleged debt collector and/or the debt collection agency ( i.e. a certifiied mail receipt or something like that. ) The representative refused to give me proper information and stated that if I were to determine that the debt was valid ( which I 'm not sure that it is ) that I get a letter from them, on their letterhead, signed by an authorized representative that the collection is paid in full with a {$0.00} balance and that any obligation to them is fully released, and that they will report this information to the appropriate credit bureaus within 30 days. If they are going to hold my credit hostage I should have some reassurance other than their word they will report accurately to the credit bureaus. They have already proven that they are willing to report collection information on my credit report without proof of notification that the debt exists. It would be unreasonable for them to not provide me with any evidence to protect my credit and my good name if I were to 1. ) acknowledge the debt exists, 2. ) not provide me with any sort of documentation to prove to the credit bureaus that the collection is paid if they fail for any reason to report the truth. In the near future I would like to buy a house, and as a former mortgage originator I know that in order to get a home a lender is going to require that I pay the alleged debt regardless if it is valid or not. The debt collection practices are both deceptive and unfair in my opinion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I purchased a computer through XXXX on XXXX 2014 for {$680.00} with no interest for XXXX month through GE Financing. The first payment for {$36.00} made to bring the balance down to {$650.00}, after that I made arrangement with my bank to send {$50.00} a month on the XXXX part of each month, after XXXX month I checked a statement for the fist time, my balance instead {$150.00} it was {$240.00}, I called customer service and ask them why? they said those are late charges, because the payments were due beginning of each month but we have received them few days late and you were {$35.00} late charged every month, I told them I did not know otherwise I would have send them long before due date as I do it for my car and house payments almost XXXX month earlier, you have received payments regularly every month at a same time and also you were payed more than a XXXX, also I paid off the whole amount in XXXX year, but the logic was not acceptable to them. At the end of our argument I suggested {$70.00} to settle the case down ( punish myself for trusting them ) but it was not accepted instead they ask for {$200.00} and I did not accept it either, I believe they are a rip off. Please let me know what my legal actions are? sincerely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo failed to pay my hazard insurance on time. This resulted in a lapse in my insurance and I had to pay the insurance company directly in order to restore my coverage.

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 2016-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have an ebanking checking account with Bank of America. My mother went to the bank and deposited a check that was in my name into my account. It had been sent to her house. I was charged a monthly maintenance fee of {$8.00} because my mother went to the teller to do this. 

I do n't think it 's fair that I 'm charged a fee for something which my mother did? It makes no sense to me. I have no control over whether she goes to the teller or not. I only use self-service options and receive a paperless statement so there should be no fee. 

I have tried to clear this up but BofA continues to give me the run around.

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 2016-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
XXXX XXXX has been attempting to collect a debt which I do not owe. They have damaged my credit with charges which I did not incur. They are alleging that I owe {$6200.00} for a phone bill.This is outrageous and impossible as I have never spent more than {$100.00} on a cell phone bill. I contacted them and told them that I was a victim of identity theft and sent them a police report, but they never took the charges off. I have been very distressed as a result of this matter. This is not my debt and I do not owe them. I am a victim of identity theft and this is not my debt.

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 2016-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
I have no copy of original agreement or past record of payments I made.the credit card is in default and now being collected by a legal firm. I believe the amount is incorrect, but I have no record of payments as defaulted credit card used for payments. how do i get past statement on a default debt.I was XXXX with a XXXX XXXX and all record were lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: FL

Complaint narrative:
XXXX store # XXXX in XXXX, try paid with personal check, got decline bi TELECHECK COMPAY. I have money in bank. Called TeleCheck company ask what go on? answer because never pay with check the system take action. ( negative? ) -because try to use it pay via check? ( not fear )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
I transferred a balance in XXXX XXXX to Discover Card services with a promotional 0 % interest rate until XXXX XXXX. The card also gave me a 0 % interest on new purchases until XXXX XXXX. In my agreement it stated that all payments would be applied with the majority going to the promotion that had the higher interest rate or in the case that was the same the one that would expire first. They instead applied the majority of my payments to the balance transfer that is not due until XXXX XXXX paying it almost in full while the purchases have accrued to more than what the original balance transfer was. I have statements from the CC company showing this and my original agreement. Instead of my payments being equally distributed or majority going to the new purchases as described by Discover, they have forced me to either pay off the new purchases in the amount of $ XXXX by XXXX XXXX, XXXX and leave the original balance transfer that was under {$1300.00} that they have paid down to $ XXXX and was n't even due until XXXX XXXX. Very unethical practice to force me to pay 25 % interest on something I was paying on monthly so I would not have a large balance to pay off in XXXX XXXX. I find this practice deceiving and verging on deceitful to change a 0 % interest into 25 % interest. BEWARE of Discover!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XXXX XXXX, XXXX, I reviewed my credit profiles from XXXX, and discovered Capital One Bank is erroneously reporting XXXX derogatory credit card accounts on my credit report. I contacted the Capital One Bank fraud department on or about XXXX XXXX, XXXX, and spoke to a fraud account manager, XXXX, and explained that I am a victim of identity theft and that I never opened credit card accounts with Capital One Bank, and requested that this information be removed from my credit files. XXXX requested that I forward all supporting documents and said he will investigate the fraudulent activity. 
On XXXX XXXX, XXXX, I completed gathering the requested supporting documents along with a cover letter stating, " On XXXX XXXX, XXXX, I realized I may have been a victim of identity theft and immediately filed a police report at the XXXX Police Department ( copy enclosed ). 
As promised, I have also contacted XXXX XXXX XXXX and obtained a copy of the claim relating to fraudulent activity on my account, specifically XXXX XXXX ( XXXX ) unauthorized ( ACH ) electronic debits paid to Capital One Bank between XXXX XXXX, XXXX and XXXX XXXX, XXXX ( copy enclosed ). 
I have just today reached out to XXXX XXXX fraud department and initiated a claim in connection with the XXXX XXXX XXXX transaction for {$280.00}. I will advise of the outcome of their investigation and any documentation obtained as well. '' To date, Capital One Bank has failed to remove the fraudulent information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I have not received any documentation to validate this debt.

Company response to consumer: Closed with explanation