vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In   XXXX   I cancelled a  XXXX  music charge on my account. The lady a t Capital One  got  XXXX  on the phone so we had a  three way  conversation. I cancelled the  XXXX  charge and also closed the account. Since then I still receive the monthly bill with the  XXXX  charge added. I called  Capital One but t he young lady seemed confused but said everything was taken care of. This month,  XXXX , I received an additional charge on my account that was supposed to be closed in  XXXX . I can not get through to  Capital One that I want no more charges I did not make to an account that was closed months ago. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I have been arguing with Honda Financial Services over disputed late payments for 34 months. They claim they have no record of our conversations and wo n't remove the lates from my credit report. Since our last conversation, they have made changes to previous leases reported to XXXX in an attempt to further ruin my reputation. They are targeting me because I reported them. They are now claiming that a lease I had in XXXX ( acct # XXXX ) was included in a Bankruptcy Chapter XXXX and became delinquent in XXXX XXXX  None is this is true. There was never a delinquency, and there was never a Chapter XXXX B/K. I do n't appreciate Honda Financial bullying me by trying to claim that a lease that ended without incident almost 7 years ago was delinquent or subject to a phony bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been arguing with  XXXX   XXXX   XXXX  over disputed late payments for   XXXX   months. They claim they have no record of our conversations and wo n't remove the lates from my credit report.     Since our last conversation, they have made changes to previous leases reported to Equifax in an attempt to further ruin my reputation. They are targeting me because I reported them.     They are now claiming that a lease I had in  XXXX  ( acct #  XXXX  ) was included in a Bankruptcy Chapter  XXXX  and became delinquent in   XXXX   XXXX   None is this is true. There was never a delinquency, and there was never a Chapter  XXXX  B/K.     I do n't appreciate  XXXX   XXXX  bullying me by trying to claim that a lease that ended without incident almost   XXXX   years ago was delinquent or subject to a phony bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: WA

Complaint narrative:
XXXX  transferred t o Selene finan cial and had overcharged me by {$13000.00} Dollars and raised My escrow to {$560.00} when taxes and ins only {$200.00} per mo.      XXXX  charged me outrages late fees along with  Selene Financial when I was in review for modification.       Loan  has been securities and transfe red 7 times af ter mortgage ins paid it off in  2003.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I was in the process of a loan modification with  XXXX  in  XXXX  of  2016.  My monthly payment was  XXXX   w  no escrow account. I was approved and told I would receive  XXXX  per year toward the principal for next 5 years if  I  continue payments.  XXXX     2016 M  y m ortgage was sold to  Nationstar  and the modification continued w them. My payment is  XXXX  with an escrow account but the principal and interest payment is  XXXX .  Nationstar says I  'm not eligible for the  XXXX  principle decrease because the total payment did not decrease by 6 %. This is is unfair because they are comparing  XXXX  paymen nt w  no escrow with the new pa yment w a n escrow payment of  XXXX .  XXXX . (  XXXX  vs  XXXX  ). The 6 % decrease in payment is  XXXX  of  XXXX  which totals  XXXX  which is more than 15 % decrease  but Nationstar is  in disagreement with this fact. During the time of this situation I had a housing representative from from   XXXX    who worked fervently to get a definitive answer from   XXXX   XXXX  , they in turned dropped the ball and the rep. had to start the inquiry w them a second time and still no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I make the payment on the due date and I still get charged a late fee.  Synchrony  insist on charging a late fee just in case my payment does n't go through. My payments always go through and I never make a payment if I do n't have money to cover, yet Synchrony assumes my payment is not good. They remove the late fee once the payment comes through, but in the mean time it downloads into my accounting software and causes me extra work to account for this phantom fee. The amount of accounting cost me much more than  XXXX  dollars yet I ca n't charge them  XXXX  penny extra for my labor they cause.     When is our government going to rescue us from this kind of abuse? This 'selling laws to the top bidder ' has to END!     EARN THE 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 2017-05-06 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. BANCORP
State: IL

Complaint narrative:
Today  XXXX / XXXX /  XXXX  , I tried to contact the compa ny US  Bank to settle all the charges in my account, do not agred with all the interest charges they charge me twice on the same day, have me in collections for late fees, when been making my payments on time.     Any help, I appreciated it. Thanks.      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 explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: TX

Complaint narrative:
Since originating my loan with Drivetime, I have had nothing but issues. If I was ever one day late on my EVERY two week payment plan, Drivetime started calling me and harassing me nonstop. They called me multiple times and harassed my co workers in an   XXXX   at the  XXXX . I told them to stop calling my place of employment but they did not stop. They also repeatedly harassed my references after I told them to stop and called me all day and late evening at home. Multiple calls in a day almost hourly. They would not work with me on a payment plan to catch up and once the vehicle was repossessed they report wrong amounts and different repo dates to the credit bureaus. They have violated many of my rights as outline in the FRCA like The Fair Credit Reporting  Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies - for one. I had told their representative to only contact me in writing, they refuse to do this. They  prey on people with subprime credit and make matters worse doing it illegally.

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 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been waiting for the following information to roll off of my credit report after 7 years. I just requested on online credit report and it says it is 10 years. Did the rule change? Is there anything I can do about it?     -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and generally have a negative impact on your credit score.     Case/Docket #  XXXX  Date Filed  XXXX / XXXX /  XXXX   Court DE  XXXX  CO  XXXX   XXXX  {$620.00} Date Reported Status Lien Class State Comments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: FL

Complaint narrative:
Experian has not verified any of these accounts which I have been asking for and now they State they are not going to reinvestigate anything until I provide new information which does not make sense.

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 2017-05-06 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: PA

Complaint narrative:
XXXX / XXXX /  XXXX   I have been applying for Mortgage Loans and  Auto Loans and  they are trashing  my credit score  and providing false information. All credit reporting Agencies.     Key Factors -  XXXX  - Need to find the best loan possible, if they were not all thieves I could just apply and move on.    XXXX  - I have  XXXX  checking account  XXXX  and an auto loan through  XXXX  and I have to many accounts?    XXXX  - I keep a consistent balance in my checking account and double up on my auto loan for early payoff, I have no high balances or revolving accounts.    XXXX  - I have been paying on my auto loan. An installment loan is a type of loan that is repaid in periodic installments ( usually monthly payments ) that include principal and interest.What is the problem?

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 2017-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
We keep getting repeated daily phone calls from a  Penn Credit Corp   XXXX . We DO N'T OWE anyone any outstanding debts period. We are both  XXXX  senior citizens, and as I said, we owe nothing to anyone period. How do we get these morons to STOP calling our home? If they are looking for a relative i.e. our daughter, who no longer lives with us has been gone from our residence for over  XXXX  years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I noticed my TransUnion score with credit karma declined almost  XXXX  points. Upon further investigation I noticed  XXXX  recent credit inquiries on my report that I did not authorize. I called transunion and spoke to a representative and she would not help me or assist me in removing these. They are from   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX ,  XXXX  and   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 explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had an account with  BBVA compass.. th ere were a couple of items I had disputed with them and even provided documentation to them showing them the money came out from another account. They had given me credit back and when I tried to close the account, they then reversed the credit, making my account  XXXX  negative..right at the time I tell them to close the account. This means  one th ing to me only and that is they do not care about customer service and because I wanted to close my account, they decided to reverse the credit, even though I provided them with documentation that I paid for it using another account. Very disappointed in how bbva handled my account and I will never ever bank with them again. To me they are no different tha n   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
My loan began  XXXX   XXXX  with a 42 month term at {$420.00} per month. They were harassing via telephone for late payments, called several family members telling them what was going on and asked to relay messages ... on top of that.. my loan matured almost  2 two  years ago. Im still paying for the insanely ridoculous interest amounts and get over fees. My original loan amount was a little over {$13000.00}  ..  as of  XXXX   XXXX  I have paid over {$25000.00} plus another year of late and high interest payments resulting in them getting more than double of my original loan amount. I am completely dismayed at the inhumane fees assoociated. As I am quite sure, I am NOT the only client of C.P.S. that has been/is a victim to these scammers. I pray no  one  else fall victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Hi, On   XXXX   XXXX ,  XXXX  I made a pay ment to Navient for my student loan account for {$500.0 0}. That {$500.00} amount was taken out of my checking account, but only {$400.00} was recognized as a payment by  Navient. I  do n't know what happened to the {$100.00} difference, but I suspect this is not the first time since  XXXX  when I consolidated my loans with Navient. I can provide evidence of how this payment was charged on my  XXXX   XXXX  account and on t he Navient si de as well.     Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I 've put various complaints in w ith Barclay  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX  , utility bills, gambling sites, and IRS. Also included was IRS and Mai l Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was   XXXX   I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Customer  Advocate Team  in which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact  to Barclays  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is  a PFA  against  XXXX   XXXX  and I am prepared to work with  Barclays to  sign anything needed to clear me from this fraud. Please let me know

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 2017-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
freedom mortgage, raise my payment  XXXX  a year more with out explaining why. when i call them usually the first rep agrees there is a problem and cant figure why there are charging me  XXXX  a year more on my escrow account, i have talked a few times with the city about this and they say my taxes only went up  XXXX  for the year and tell me my mortgage co is the problem, my inssurance hasnt increase either, so fereedom morg. flag the problem for investigation twice so far and keep saying there is a short somewhere, but cant figure out where, esspecailly since i have not had any increases of suggnificants, i have ask them several times for a letter explaning this increase, but i get no responce. freedom mort. recently took over my mort from another company. i had no choice in the matter, so somewhere they  XXXX  up keep saying there is a short somewhere but cant tell me where ( i have called over  12 times n ow ) this exra  XXXX  a month is becomiong a burdon on my family. do i have any rights? can i sue them?

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 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , utility bills, gambling sites, and IRS. Also included was IRS and M ail Fraud. Th is particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Custome r Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know

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 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    utility bills, gambling sites, and IRS. Also included was IRS and Mail  Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Cu stomer Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know

Company response to consumer: Closed with non-monetary relief