vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
To whom it may concern, I am inquiring about removing a few late payments off my credit report. During XX/XX/XXXX, I had XXXX XXXX XXXX XXXX causing me to miss work for 8 months or so, my I come was severely reduced causing me to fall behind on my mortgage payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX ( mo th I had my XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days in XX/XX/XXXX and XX/XX/XXXX .... since Ive made every payment on time and have never had an credit issue previously or after those dates. 
If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated

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 2017-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have XXXX in my XXXX account and they are telling me I have unpaid transactions which is n't true cause my bank paid them and my receiver which is my brother did n't receive the funds so XXXX is telling me they are holding my funds for loss on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
Plaintiff, XXXX XXXX XXXX, states his complaint as follows : Plaintiff is an individual who now resides in XXXX , Virginia . 
Defendants OneMain Financial Plaintiff entered into a loan agreement with One Main Financial XX/XX/XXXX. 
The original loan amount was {$10000.00} which was deposited in my XXXX XXXX account on XX/XX/XXXX On XX/XX/XXXX One Main mailed a statement which represented a balance of {$10000.00}. Plaintiff inquired about the {$500.00} increase and was informed that it was not part of the loan To date the account has not been adjusted. 
As a result, the interest rate ( MAPR ) exceeds the maximum interest under the MLA.

COUNT I Violation of Military Lending Act 1. Plaintiff incorporates the previous allegations of his Complaint as if fully set forth herein. 
2. Defendants actions as set forth above constitutes violation of the MLA.

3. One Main actions included undisclosed fees which was not verbally expressed to applicant.

4. In addition, One Main actions increased the MAPR over the maximum amount under MLA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My balance on my XX/XX/XXXX statement was {$750.00}. 

I made payments totaling {$870.00} before the statement closed on XX/XX/XXXX. 

During this statement period I also made new charges of {$930.00}, leaving a balance of XXXX in new charges. 

My XX/XX/XXXX statement showed an interest charge of {$18.00}. I contacted cardholder services on XX/XX/XXXX to inquire about this as the statement specifically states on page 2 : " How can I Avoid Paying Interest Charges? If you pay your statement 's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' Since it states they would not charge me interest on any new transactions, I should not have had an interest fee. 

The representative I spoke with advised me that interest charges are delayed a month, which meant the XX/XX/XXXX interest charge was for the balance carried on to my XX/XX/XXXX statement. I accepted this and did not press further. 

When my XX/XX/XXXX became available on XX/XX/XXXX, I immediately checked it to make sure there was no interest charge, however there was. I called cardholder services and the representative I spoke with advised me that I have to have no charges carried over 2 months in a row in order to not receive an interest charge. I asked to speak with a supervisor who confirmed this as their policy. 

While I fully agree I am due to pay an interest charge for the XX/XX/XXXX to XX/XX/XXXX billing period ( my previous balance was XXXX including the interest charge in debate and my payments were {$660.00} ) because I had a month where I paid my previous balance in full, I should have had a month where I did not have an interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I am a XXXX XXXX veteran and my medical benefits are fully covered yet I have several small medical collections on my credit report from XXXX which range from $ XXXX {$46.00}. I should have no medical collections since I am fully covered by insurance.

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 2017-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: ID

Complaint narrative:
One main opened a bank account when I sent them a big payment and did not put it on my loan they did make a payment out of that account but never but all of the money on to the loan. Plus I was paying extra on the and they charged me a bank fee of exactly the amount I payed extra instead of putting it on the principle

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a carecredit card for my XXXX XXXX at dentist. I was told to open up this account to help me pay my bill for 12 months with no interest. I had the XXXX the end of XX/XX/XXXX. I made my first payment to them XX/XX/XXXX when the payment was not even due yet. I did not know when my next payment was due. Also since I had no interest until 12 months I figured as long as I pay on it each month. I logged into my account today XX/XX/XXXX it said I had a late charge of {$27.00} and my bill was due XX/XX/XXXX. I called them because I paid the payment of {$48.00} as indicated on the statement. Then I called them because I did not want this reported on my credit report for being one day late and I did not know my bill was due. He said according to the law they have to report it even though its a day late. My other major credit cards charge you a late fee and only report it after you have reached the grace period. I think this is ripping people off because I only got it for a medical emergency of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am very disappointed since I have a good credit report. I am upset and stressed because of this and the person on the phone did not seem to care or assist in possibly considering what I was saying.

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 2017-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I have tried to work with Springleaf to settle out this charged off debt. My attempts have not been answered. I want to try to settle this debt but I am unable to pay the entire amount that charged off. I even hired a debt management company to help me but they have also been unable to work anything out with Springleaf. I want to make a final attempt to resolve this debt and repay at least some of the money. I do not dispute that this money is rightfully due to Springleaf.

I am soon going on XXXX XXXX ( XXXX XXXX for XX/XX/XXXX ) and my husband has been XXXX but we can make payments totaling to {$2500.00} before I am no longer working. I 'd like to offer that amount to settle this account in 3 installments. 

SPRINGLEAF FINANCIAL XXXX XXXX {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have an auto loan with Santander Consumer USA. My loan is nearing maturity and will be paid off XXXX XXXX. I setup autopay online so that my payments are automatically deducted from my checking account each month. When I set up autopay, I saw my maturity date was XXXX XXXX and the last payment was approximately {$180.00}. My regular payments are {$390.00} each month. I logged into my account today and the last payment has changed to {$350.00}. I was never notified by Santander about a rate increase or any adjustments being made to my interest or payments. I would like to know why my last payment has increased. If this is a mistake, then I would like for Santander to adjust my account to reflect my true balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: TX

Complaint narrative:
Collection company would call several times a day even when I asked them to stop calling. XXXX XXXX the interest appeared to continue to go up. When I thought I was close to having the account paid off, the amount would go up again. It was a ever ending loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I signed up for a 12 mo no interest promotion at XXXX furniture. The purchase was made XXXX. The First payment was made in XXXX of XXXX. On the last statment they changed the due date from XXXX to XXXX and stated that that was the end of the XXXX mo period. I had set up payment to be on the XXXX of each month for the previouos XXXX. When i got the last statment I noticed a red box stating the last payment was due on XXXX/XXXX/XXXX. I decided to cancel my recurring monthly payment from my online bill pay at my bank and tried to set up a one time last payment and something went wrong. They never recieved my last payment and ended up charging me full interest. I should have just left it alone. However, I tried to do the right thing, made the change and it back fired on me. I do not think it is fair for the company to change the due date of the last payment. Regardless of when my purchase was made. I belive they new this would happen and they have measures in place to force people to still pay interest. Feels like very unfair business practice. They do not have this language in place anywhere in their statements or contracts. IF it is there it is confusing. If they want payment in exactly 12 mo they should set the due date same as the purchase date. I feel the interest charge should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: IN

Complaint narrative:
ONCE AGAIN HARVARD HAS DONE IT AGAIN. THEY FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS AND STP CONTACR REQUESTS WAS IGNORED. CEASE CALLING OUR CELL NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter on XX/XX/XXXX from capital one congratulating me on opening my new card which I idi not do. I never filled out an application online or in writing. I called them on XX/XX/XXXX and asked them to close this account immediately and asked how this was opened. They suggested that someone in my household opened the account which was very insulting as it is my wife and I alone. I have contacted them on the phone on XX/XX/XXXX and they refuse to discuss the account even though I have given them the credit card number unless I give them my SS # which of coarse I will not. I have never applied for a Capital one card and my SS # is my personal information. They refuse to answer the question of if the account is closed without it and I refuse to give it to them. Is this another XXXX XXXX Fraud problem with Capital One Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, I called TD Bank to find out the process of applying for a new mortgage. The representative, XXXX XXXX, answered and asked me if I was willing to be enrolled in their new voice recognition program ( TD Voice Print ). I told him no and then he asked me why I did n't want to be enrolled. I explained why I was very against enrolling in a program matching my voice to gain access to my account. He went on to explain their process for applying for mortgages. I thought that was the end of it, until I got a letter in the mail on XXXX XXXX thanking me for enrolling in the TD Voice Print program. I called TD Bank to complain about their erroneously enrolling me in this program against my permission. Although they say that have spoken with XXXX XXXX and conducted retraining, I want there to be a record of the behavior. To go against a customer 's request and actively add their name to a program that could give access to sensitive information should be illegal and/or should come with steeper consequence than a retraining.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection
State: TX

Complaint narrative:
I HAVE CANCELED MY ALARM SERVICED CAUSE IT WASNT WORKING PROPERLY SO I TOLD XXXX ( THE ALARM COMPANY ) TO CANCEL IT AND TOTAKE THEIR STUFF BACK BUT THEY NEVER DID AND THEN THEY PUT THE COLLECTION ON MY CREDIT.SINCE XXXX 2017 IN THE AMOUNT OF {$3500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company
State: TX

Complaint narrative:
There is a balance of about {$980.00} on my credit. I For Focus management.. 
It was not mine.I called the original company which is XXXX XXXX. Gave them the account number they verified uts nit mine. I have deputed with XXXX and XXXX  twice.XXXX was the only one to remove it.. 
They refuse to remove.I have also contacted XXXX XXXX XXXX XXXX Gave them the account number that shows on my credit. Its not mine its my daughters from her previous address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 
I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.

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 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. Back of America made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by Bank of America and should not be on my credit report. This is an extremely systematic and unfair reporting 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 non-monetary relief
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
XXXX,2016 XXXX XXXX XXXX placed a collection on my credit report for {$2800.00} AND I DONT KNOW WHAT FOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for the XXXX XXXX issued by Barclays on XXXX/XXXX/XXXX at about XXXX XXXX XXXX. I was not instantaneously approved for the card, so I called XXXX at about XXXX XXXX XXXX to find out about the status of my application. I spoke with a representative who told me that in order for Barclays to process my application, I would have to send to Barclays through the mail a copy of my drivers ' license, a copy of my social security card, and a copy of one of my utility bills. In this age of identity theft, I have never heard of anything so absurd as a request to send all of my personal identifying information in one envelope to some random P.O. Box through the mail leaving me with no confidence that my information is secure!!!. XXXX knows what would happen to those copies once dropped into the mailbox! My girlfriend experienced the same issue when applying for the XXXX XXXX and, after asking to speak with a supervisor, was able to confirm her identity with Barclays by answering the questions the supervisor asked based on information in her credit report. That supervisor also told my girlfriend that sometimes Barclays will verify a customer 's identify by sending a code via text to the customer 's cell phone. When I asked for the same courtesy, the supervisor I spoke with insisted that I must send my identifying information to Barclays via mail or fax. As far as I am concerned, this should be illegal. There are many far better ways to verify my identity than to ask me to expose myself to identify theft. A COPY OF MY SOCIAL SECURITY CARD TOGETHER WITH MY LICENSE??? THROUGH THE MAIL??? ARE YOU SERIOUS??? Are Barclays executives prepared to answer to Congress to explain how this method for verifying customer information is secure???

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 2017-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
its not letting tranfer money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
on XXXX of 2017, central credit service placed a collection on my credit report in the amount of {$2100.00} and i dont know what for.

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 2017-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Management Solutions, L.L.C.
State: TX

Complaint narrative:
BACK ON XXXX OF 2015, XXXX XXXX COMPANY PLACED A COLLECTION ON MY REPORT IN THE AMOUNT OF {$5300.00}, THE COLLECTION AGENCY IS PHX MGMT SOL, AND I DIDNT OWED THEM ANYTHING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation