vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I received an email last night from Discover Card from their Customer Protection Services ( see attached email document ) that the credit line account jointly owned by my wife and I ending in XXXX has been closed. The reason given as stated in the letter is - Unsatisfactory Payment History. 

As far as I know, since this credit line account was opened in 2011, I have never missed a payment neither have I paid interest in keeping balances on the account after a payment due date of a month 's billing statement. Therefore, I would like Discover to provide me with their record showing my " unsatisfactory payment history '' leading to the closure of this credit line account ending in XXXX. In addition, for several days now I have been unable to login to this account. 

If this is an attempt by discover to damage my name or spoil my credit because of my status, background, race, or whatever, then they should come out clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mortgage has gone up XXXX dollars this year and they still cant give me a reason why. I had a steady rate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Collection Systems, Inc. (OH)
State: DC

Complaint narrative:
The latest date was XX/XX/XXXX ; however call several times daily and weekly looking for daughter. 

Have shared there is no additional information we have to offer and that we do not have contact information. 

Made repeated requests for caller to stop calling. 

Callers also identified that daughter was " running a business out of home connected to number ''. This information is false, inaccurate, and did not request to know nature of call - however this was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted TransUnion several times over the last two months that an inquiry and address ( never lived in Colorado ) listed on my credit report XXXX is incorrect. I have faxed and mailed verification with my Drivers License and Social Security Card. The company ( XXXX XXXX XXXX ) listed an address I have never lived at and the number listed as a contact for them is disconnected. I have never done business with this company. TransUnion continues to tell me that I need to contact the Department of Education to have the inquiry removed even though I have stated the number listed is disconnected and they refuse to remove this incorrect information. 

I have also disputed the Tax Lien and that has not been removed.

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 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I need you to send XXXX my updated transactions. Your delay is literally costing me money.

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 2017-11-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After numerous times of asking Experian to verify my XXXX 's account which has been opened since XXXX 2012, Experian failed to verify this information. Instead, on XXXX/XXXX/XXXX, per Report XXXX. XXXX, they DELETED the account completely. After speaking with XXXX XXXX 's, they told me on the telephone they NEVER INSTRUCTED EXPERIAN to delete this account because it 's in good standing. I have written Experian repeatedly telling them they are not investigation this properly, I have provided proof from XXXX XXXX 's and they refuse to make any change to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is reference to the letter from Wells Fargo Home Mortgage. letter dated XX/XX/XXXX the following : 1. Improper foreclosure notice I never received a foreclosure notification for XX/XX/XXXX to XX/XX/XXXX. The foreclosure laws was not adhere to. 

On XX/XX/XXXX, a XXXX XXXX XXXX XXXX, XXXX as nominee for loan link financial services instrument no. XXXX was filed. I received several letters and was able to get the home out of foreclosure. However, from XX/XX/XXXX to XX/XX/XXXX when XXXX XXXX, XXXX, CA XXXX Loan # XXXX. 

Therefore, you did not answer the question of what was I notified that the house was in foreclosure. 

Moreover, on your letter dated XX/XX/XXXX you stated that in the Foreclosure action, " ... account should not have been referred to foreclosure at that time due to the payment posting issues and the bankruptcy which was filed on XX/XX/XXXX. Had the payments been posted as you requested, and had there not been a bankruptcy filing the account MAY have EVENTUALLY gone into foreclosure at a letter date. 

You were in direct violation of the United States Bankruptcy Code. In addition, you committed forgery by crossing off my father 's account number for payments and placing my mortgage account number instead. Thus, instituting a Forced Foreclosure. 

2. Payments applied to incorrect property : Wells Fargo Bank responded is an out right lie and fabrication, because from XX/XX/XXXX and XX/XX/XXXX, mortgage payments were being paid with bill pay via XXXX XXXX XXXX XXXX. This problem did not exist. 

3. Fraudulently Changed account numbers I contend that you were orchestrated a Force Foreclosure without notifying me. Moreover, Wells Fargo commented fraud by changing the account numbers on my mortgage payments. 

All documents have been scan into my last complaint for your reference.

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 2017-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Collection Systems, Inc. (OH)
State: DC

Complaint narrative:
Contacted company over a year ago to cease and desist, after not receiving verification of debt. 

The company shared / school, is not verified and I have no record or knowledge of debt. 

The company has continued to contact parents home and cell numbers, even after they requested them to stop contacting ; in addition to making repeated, early/late, and harassing calls. 

Shared information about collection with parents - even after they shared they did not have contact information ; I am activity duty and parents do not have contact information, as they shared ( depending on TDY ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I was on XXXX XXXX status last year for the XXXX and Navient kept raising my interest and demanding payments after I submitted an XXXX XXXX deferment on the student loan payments. At one point during XXXX XXXX I was under so much stress about the situation that I went to the military 's XXXX XXXX clinic. After I came back from XXXX XXXX, I started dutifully submitting the payments under the military 's student loan repayment plan. It took months of trying to contact them, but I eventually got in contact with someone in their department who is supposedly Navient 's representative to the military and resolved the issue and lowered the interest and corrected the payments. But I still have the documents from them demanding payment and raising interest while I was on XXXX XXXX status. Even though they made the financial corrections, they caused too much stress for me and I believe they did me harm that has to do with a health issue. It took me months of contacting them before we could even begin to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Refer to my previous complaint # XXXX about BANK OF AMERICA for this same loan about a different issue. 

This equity account was opened XX/XX/XXXX at the rate of 4.5 % for 15 years with a credit limit of {$29000.00}. 
From that time the loan was kept at that rate until XX/XX/XXXX when they raised the rate to 4.75 % and I questioned this raise without receiving any valid or satisfactory response. They instead have continued to raise the rate again in XX/XX/XXXX to 5 % and then again 3 months later in XX/XX/XXXX to 5.25 % and then again 5.5 % in XX/XX/XXXX. Again for no reason equity rates are down all over the U.S. 
I have all statements since XX/XX/XXXX to prove my point which shows all amounts applied to principal and finance charges for the interest. The interest just keeps going up as I make the payments each month and less and less is being applied to the principal as it gets closer to the draw date of XX/XX/XXXX and the repayment period which according to their accounts is going to be another 10 years ( refer to document attached ). 
With equity rates down not up and they recently offered to customers with new equity loans a rate of 2.99 % how does that justify continually raising my rate ( the last being a matter of two months ) when I have auto pay, have not been late, and have made in the past some extra payments to the principal including one most recently which they did not credit me for. See document of XX/XX/XXXX. Additionally as they continue to raise my rate less is going to the principal and more to interest. 
Raising rates 3 times in less than 6 months while adding more interest on their end for no justifiable reason, and then sending out notices for XXXX XXXX ( attached document ) to request help is proof of the misleading and deceptive practices of Bank of America. Their game is stacked against the consumer to continue keeping the customer in debt and not to be helpful.

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 2017-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In late XXXX, I received a certified document from XXXX XXXX XXXX, XXXX indicating that XXXX XXXX XXXX got an ordered from the XXXX XXXX XXXX, XXXX to appoint XXXX XXXX XXXX as a receiver for a XXXX XXXX XXXX. After some research with XXXX XXXX, XXXX, I determined that this account was not mine and wrote two letters to XXXX XXXX XXXX with this information. XXXX XXXX XXXX insists that this account was mine and currently XXXX XXXX XXXX has frozen two accounts at my bank attempting to collect this debt. XXXX XXXX XXXX has allowed me 10 days to resolve this dispute and on XX/XX/2017 will proceed to remove the money associated with this judgment from my account. I would like to resolve this matter as soon as possible and have any record of this judgment removed from my credit reports and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
Hi, I transferred some amount using riamoneytransfer.com to my XXXX account almost 3 weeks back. 

I waited for 2 weeks, money was not credited in XXXX Account, then I had to cancel it and request for refund, but its been more than a week now, they are not giving proper status updates and are not refunding my money back. 

Transaction ID : XXXX Thanks, 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 2017-11-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to  pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my XXXX & Equifax Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, XXXX, and Equifax that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or  credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING XXXX & EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Latest issue, which has been reaccuring throughout loan is being charged fees even after loan is brought current. Most current example is XXXX XXXX I brought my loan current and agreed to a years payment plan via debit card. Got payment plan in mail. The next week I get my statement in mail for XX/XX/XXXX payment due and there 's late fees due again even after I brought my loan current. This college went out of business before classes finished and I 've been stuck with this useless loan that I got nothing to show for it since. I 'm on XXXX but they say this loan ca n't be forgiven because I have a cosigner and the debt will be turned over to her even though she 's retired on social security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am complaining today against Citicards cause I had a fraud claim with them in reference to multiple charges done to the account. I was credited for the charges and also sent confirmation that some of the charges the credits were permanent. I then logged in to my account and noticed that i was rebilled for the fraud. I then contacted the investigator and she told me that she has denied the claim due to charges to XXXX XXXX the name the reservation was under was not my name and i did not allow anyone to charge these charges on my account. The representative was really rude and i requested for a supervisor to call me back and was unsuccessful in receiving any calls. I am attaching were they sent me mail stating the credits were permanent and then she told me that it was denied. I am not going to pay for charges that were fraudulent and this is illegal through the fair credit billing act.

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 2017-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
Midwest Service Bureau called regarding a bill with the XXXX XXXXXXXX XXXX the phone was answered by my boyfriend In the call the collector revealed my XXXX status and went on to say they would sue me if I did not pay the bill. Now the entire town knows about my XXXX status because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
For years I had a Capital One Platinum credit card mileage account on which I always paid the balance due in full every billing cycle throughout the years I had the account. 

Subsequently, as I always did, I sent a month 's full payment on the full balance due. 

Capital One subsequently charged me a late fee and an interest charge claiming the payment was received XXXX day late. 

I contacted their customer service, and was told that my account would be credited the late fee and the interest charge. 

The late fee was subsequently credited to my account, but despite multiple assurances from Capital One 's customer service representatives to me that the interest charges would be credited to me in a future billing cycle, the interest charges continued to show up on my statements, while also generating further interest charges. 

Throughout this time, as I had always previously done, I continued to timely pay my balance due for goods and services in full each and every billing cycle, and as instructed by Capital One 's customer service I did not pay the interest charges that continued to show up on my account. 

After months of being told by Capital One 's customer service that the interest charges would be credited to me and resolved in a future billing cycle, Capital One 's same customer service subsequently said they could not now credit me the original one day interest charge, or the subsequent interest charges that had accrued on that one day interest charge in the intervening months. 

During that same call to Capital One 's XXXX XXXX XXXX customer service I was told that unless I agreed during that call to pay the entire amount of interest charges, my account would be canceled during that same call. 

Despite the fact that at that time I had earned nearly XXXX XXXX frequent flyer miles on my account, I flatly refused to comply with the threat made by Capital One 's supervisor during the afore-referenced call, and she summarily canceled my account. 

Her rash action was in complete contradiction to what Capital Ones customer service representatives had previously represented to me and which I had depended upon. 

Her rash action unjustifiably and unlawfully deprived me of my accumulated frequent flyer miles Her rash action was uncalled for, and grossly punitive. 

For further details, please see my XXXX XXXX, XXXX correspondence sent to XXXX XXXX of Capital One, which is enclosed with this complaint as a document attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX

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