vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
My loan was paid off and the same month it was there is a late payment listed which I was not late. Please remove this false remark ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am disputing this debt collection from   XXXX   XXXX     Secured Credit Card for the following reasons : I was finding it difficult to meet  my financial obligations after I lost my job. I owed  XXXX   XXXX   XXXX  dollars, on a secured credit card when the account went into collection. At that point I could barely cover my rent and food. I notified them, but they kept adding on charges. I will repay the {$92.00}, butI asked them to forgive the interest. I now have another  XXXX   XXXX  card, Im paying my credit on time and I am trying to pay my debts and rebuild my credit. They are asking for  XXXX  from the  XXXX  that I originally owed. I received a letter in  XXXX  that offered 40 % off, which would be  XXXX , I would like to settle for this amount only now they are refusing. I am not making a lot of money now as a social worker, I am just trying to clear my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On   XXXX   XXXX    2017, I  contacte d Wells Fargo B ank regarding my current balance increasing. I was told that the increase was due to a new Mortgage Analysis schedule. This would make  XXXX  analysis within  12 mo nths. I was told the same thing last year, which they change the schedule last year. I was told I was l ucky because I would not go through another analysis until 12 m onths. On   XXXX   XXXX  , I received another call stating that they were still researching the issue and would provide me with an answer as soon as possible. As of   XXXX   XXXX    2017, I  have not received any status or documentation from them explaining why I received another Mortgage Analysis.

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 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Credit card company continues to call each hour after being sent bankruptcy filing information along with the fact that I told them that I can not accept calls at work.

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 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/XXXX I applied for and received a private loan to pay for my XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX University. I successfully graduated my XXXX program in XXXX, and incurred a loan debt of approximately {$60000.00} plus interest.
XXXX first approved my loan, but the debt was later sold to Discover Student Loans. Since receiving my loan in XXXX, I have consistently made my payments on time. I have been gainfully employed since graduating, and currently work for the XXXX XXXX in New York. Nonetheless, my salary is not very high and I have struggled to keep up with the high loan payments. Specifically, I have tried to negotiate my loan payments with Discover Student Loans, and tried to get them to decrease the monthly amount of {$7000.00}, and they have refused to do so. It has been extremely hard to communicate with Discover Student Loans because : 1. They do n't have an actual office in New York and all our communications have been through the phone ; 2. They have increased my loan payments in the past two years even though my salary has remained the same ; and I understand this is a private loan and the interest can go up, but I can not afford to pay $ XXXX monthly given that my salary has not increased. I would like to know if someone from your office and can help me and let me know if I have any options. I am a XXXX citizen, and have a social security number and a working visa, but because I am not a US citizen, many relief programs have been unable to help me. I have a good credit score and this is the only debt I have. I am committed to pay this debt, but need my payments to be more reasonable and proportional to the salary I make. I would appreciate if you could let me know what options I have. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am disputing this debt collection from Capita l One Secured Credit Card for the following reasons : I was finding it difficult to meet my financial obligations after I lost my job. I owed Capital One   XXXX  dollars, on a secured credit card when the account went into collection. At that point I could barely cover my rent and food. I notified them, but they kept adding on charges. I will repay the {$92.00}, butI asked them to forgive the interest. I now have anoth er Capital One card, Im  paying my credit on time and I am trying to pay my debts and rebuild my credit. They are asking for  XXXX  from the  XXXX  that I originally owed. I received a letter in  XXXX  that offered 40 % off, which would be  XXXX , I would like to settle for this amount only now they are refusing. I am not making a lot of money now as a   XXXX   XXXX  , I am just trying to clear my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to me,  XXXX   XXXX  credit bureau issued the report that was used to determine my credit evaluation.   Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of t he Fair Credit Reporting Act of    1970  provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions  of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate  reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below :  1. XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   XXXX  4. XXXX    XXXX   XXXX   XXXX  5.  XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX  7. XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  OHIO  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 non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to me,  XXXX   XXXX  credit bureau issued the report that was used to determine my credit evaluation.    Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   XXXX    4 .  XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX     XXXX   XXXX   MY CURRENT ADDRESS IS   XXXX   XXXX   XXXX   XXXX    OHIO   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi  Costco Anywhere   XXXX   Card   Billing Dispute Depart ment is not doing its job of resolving my issues.  Citi is favoring the merchant instead of me, its customer ( consumer ). I did not even receive an acknowledgment letter from Citi to indicate that the supporting documents have been received and that my dispute is being reviewed. I do n't know what their mind-set is, but Citi employees have to clean up their acts and do a better job. Perhaps, the Billing Dispute Specialist did not even read the whole dispute and all the attachments. How ironic that the employee 's title is " Specialist '' which means he/she is highly skilled and is expected to know ho w to resolve disputes.

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 2017-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I contacted  Sear  s MasterCard o n  XXXX / XXXX /   17 to s peak with them about how they were applying the payments to my balance transfers. They are applying the majority of the payment to the transfer that is due at a later date, because they say that it is a transfer with interest. The transfer that is due at an earlier date is 0 %, but it gets a smaller amount allocated from my payment. The problem is that the larger balance  (  0 % ) is on the transfer that is due first. T he 3.99   % transfer is  due later, but they are applying the majority of the payment to the transfer that is due at a later time. They are misleading the consumer, because they get you to transfer the balances, but pay off the one with interest while leaving the  XXXX  with 0 % so that it comes due and then you are charged with a ridiculously high interest rate. We were told that the computer allocates the payment and that no one in the company could make changes for the consumer. So the consumer has no say in how their payments are allocated.

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 2017-05-04 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address  on file for the account is not address I 've had the same address for 9 years. If the com pany had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from  USPS  the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed   XXXX   XXXX    2017. By l aw this company has to mark my account disputed upo n 30 days of the request I sent by mail which was not done and any validation  information binding me to this account was not sent within the allowed leg al 15 da ys. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I made a purchase with Best Buy They said I had 12 months no interest. After 12 months they said I would be charged on the remaining balance. After 12 months I was charged {$540.00} interest. I called and they said sorry about Best Buy not informing me correctly but now I had to pay the remaining balance + {$540.00}. This is an absolute scam. I thought I was going to get charged for interest on the remaining balance not on the balance since the beginning! What is the point of this!?? It 's a pure scam! : ( XXXX 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 monetary relief
Consumer complaint received 2017-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I ordered a living room set sofa and a loveseat from  XXXX  i never received the items from  XXXX . Capit al one credit card charge my account. And when I call Capital one  concerning the issued they never resolve the problem. But when I talked to  XXXX  they say the already refund the money to capital. But capital one still refused to give me my money back to my account. My credit line is {$2800.00} but capital  one  just increase the charges on my account now my account is {$4200.00}. That is why I 'm reaching to you guys to resolve this problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union B ank took over my  XXXX   XXXX  card and my  XXXX  Card from  XXXX   XXXX  Bank. They changed the card from an  XXXX   XXXX  card which I had applied for to a  XXXX  card. By changing the card, they made it appears the card was a new card issued  by Union  Bank.     In the process of taking over the card, I lost my  XXXX   XXXX  benefits and the web and app access to my first bank card app and easy to use web site. After a few months, I noticed a {$99.00} annual fee.     I contacte d Union Bank  and explained the situation and asked them to remove the fee since I no longer had the same benefits. The phone agent told me she was unable to do so. I asked her to close my account and reverse the fee. She agreed and closed the card and after  XXXX  minutes on hold, she returned and said the account was closed and she could not reverse the {$99.00} fee.     I spoke to a supervisor  (   XXXX  ) who confirmed the card was closed and that they would not reverse the annual fee charge. I asked to speak to client relations and the supervisor said there is no one above her I can speak to.     I called the following day (  X/X/2017    ) and asked to speak to a supervisor. I was advised by the  CS rep (   XXXX  ) that there were no supervisors and they were all in meetings. I asked to have the fee reversed and she said no.     I explained that I had another identical card and asked if there was an annual fee. She said  No t here isnt. I asked her to explain how to identical cards ( Union Bank  XXXX   XXXX   XXXX   XXXX  ) from the same bank could have such different terms and her response was I do n't know and there is nothing I can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address on file for the account is not address I 've had the same address for   XXXX    years. If the company had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from  XXXX  the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed  XXXX   XXXX    XXXX  . By law this company has to mark my account disputed upon 30 days of the request I sent by mail which was not done and any validation information binding me to this account was not sent within the allowed legal 15 days. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.

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 2017-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was out of the country for work, and when I returned I learned that my account was delinquent because our auto pay was not set up correctly. We immediately paid the account current, and have since paid the account off. These late payments were reported to the credit bureaus and they dropped my credit scores by  XXXX  to  XXXX  points. This is very damaging as we are in the process of building a house and now I wo n't qualify due to  credit score . I have called many times asking for a good will removal of the late payments. I have even sent the attached letter. Please help my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Back around  XXXX   XXXX  I sent my paperwork to Rushmore via return  XXXX . When I called to follow up they told me they did n't receive it. It took anothe r 2  weeks before they sent me another which I mailed back on the  XXXX  of  XXXX . When I called to check the status they told me they were n't going to review it because it was less than 37 days prior to the foreclosure sale on  XXXX / XXXX /  XXXX  . According to RETURN INTEGRITY & ACCURACY TO FORECLOSURE AND BANKRUPTCY PROCEEDINGS a lender or servicer is to continue review up to 15 days prior to the sale date and conduct an expedited review. It appears that Rushmore is not following the rules to allow me to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I called  Navient  after receiving a collection notice. I explained that I was a co-signer and that I was unemployed and that after more than 15 years paying for {$8000.00} they should just wiped it out. I called from the neighbors house and now they are harassing her. I emailed them and included my mailing address and they wrote back saying the following : Hello  XXXX , We are unable to assist you with your request via email. However, we are happy to discuss your account over the phone. Please call us at  XXXX . Were available Monday Friday  XXXX    XXXX   to  XXXX    XXXX  , and Saturday  XXXX    XXXX   to  XXXX   XXXX , ET.     Sincerely,  XXXX   XXXX   Navient This is  an attempt, by a debt collector, to collect a debt and any information obtained will be used for that purpose.     -- Original Message -- From :  XXXX  XXXX  XXXX  Date :  XXXX / XXXX /  XXXX    XXXX    XXXX    To :  XXXX  XXXX  XXXX  Subject :  Re  : Updated Contact Information Needed Dear representative, I hereby request a Cosigner release form. I 've been unemployed for the last 6 months and my unemployment is about to cease. I will have no income withing the next couple of weeks.     Please send a release form to :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I want them to send me a release form. Please help me with this

Company response to consumer: Closed with explanation