vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I have had a Master card with XXXX XXXX for years and I attempted to log in to my XXXX account approximately XX/XX/2018. The screen stated that the account was invalid, and I noticed that under the log in block was a customer service number. I called the number that was listed and it was for the customer service department for a credit card company that I have never heard of, XXXX XXXX. The customer service rep informed me that XXXX had taken over the accounts from XXXX. I explained that I was never notified of the conversion to a new company or the terms of the new credit card and NEVER received a credit card. She stated that a new credit card would be sent out soon. On XX/XX/2018 I received a statement from XXXX and I noticed that the minimum payment had gone up considerably. I again called XXXX customer service and explained my dilemma, the representative said I missed the opt out period and said that there is nothing that can be done at this point I understand when a credit card company does a conversion a customer is supposed to be given an opt out option and be informed of the terms, I was not sent any information about this conversion and I was never notified of the increase in the APR, if I was properly notified I would have chosen not to go with this company. To date I still have not received a credit card.

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 2018-10-10 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: GA

Complaint narrative:
XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous XXXX   verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I got a car loan from the Navy Federal Credit Union. I purchased also a loan disability Insurance from their Loan Insurance administrator XXXX. At this time I was on XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I got a XXXX XXXX/XXXX from the XXXX XXXX with XXXX % XXXX from the XXXX/XXXX ( XXXX/XXXX XXXX XXXX ) and a year later ( XX/XX/XXXX ) I have been awarded XXXX % XXXX for ( Service connected ) injuries. 
I was not able to follow up with my car loan payments and I asked the NFCU for my Car Loan insurance Coverage! The NFCU/ XXXX denied my claim and on XXXX they reposessed my XXXX XXXX XXXX XXXX! I owed at the time over {$26000.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: NY

Complaint narrative:
On XX/XX/XXXX, I placed an order for a {$100.00} e-gift card on my XXXX 's account. At that time, my account was flagged for fraud. I called XXXX XXXX Fraud Prevention department and they cleared my account and tried to replace the order for me. However, after several attempts they were unable to do so but the charge of {$100.00} still shows against my account. I have called everyday ( sometimes more than once ) to try to clear this up, but no one at XXXX XXXX is willing to help. I just keep getting transferred to different departments.

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 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: DE

Complaint narrative:
I received three calls on XX/XX/2018 they all say UNKNOWN NAME XXXX, MD. A message was left for me saying this is an attempt to collect a debt. They have been calling me for weeks and never left a message until yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: IL

Complaint narrative:
On XX/XX/XXXX my HOME SOLD. The reason my home sold was due to I had to file a BK and i could not drive the 4-5 hrs to the court house to get to file the BK docs so i did it all by mail and it had it overnight-ed to the lender and the post office sent a letter stating they had recd my packet on a Saturday ( please see attached letters ) the packet should have been deliveried on Monday XX/XX/2018 and it was not. I requested that the foreclosure attorney and the lender please rescind the property back to me as it was not my fault of the post office mistake and they should honer the BK cause it was filed before the sale date on XX/XX/2018 and cause of the post office i lost my home. 
When calling the lender and the foreclosure attorney they choose to not HELP me keep my home at all. I have been very sick over all this and my medical conditions are not that good. I fel they could of rescinded the property back to me. Understand i know it was the 11th hour but due to my health and surgeries i have had i could not drive that far to the court house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal authorized a fraudulent transfer from my bank to someone else 's paypal account. Paypal flagged it as fraudulent, and told me to have my bank refuse the charge. My bank did so. Now Paypal has set my account in a negative balance until they receive a refund. I can not close my account until the balance is closed, even though the original charge was fraudulent, and I so not owe paypal money. 

They are holding me responsible for the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous XXXX   verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...

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 2018-10-10 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: GA

Complaint narrative:
XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous e-Oscar verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...

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 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Used XXXX XXXX as an internet service provider. XXXX XXXX failed to complete an automatic withdrawal for bill pay. I paid them manually after their mistake. They are now attempting to collect a service fee through a debt collector. Debt is not valid. Service is no longer active, as I cancelled it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Complaints : 1 ) Loan Servicer Refuses to recognize and adjust the correct interest rate on the Loan.

2 ) Loan Servicer refuses to contact the Lien Holder to ask for temporary and or permanent forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX I retired from the Military and prior to retiring I set up automatic payments from my checking account because I didn't want to forget after being diagnosed XXXX and XXXX from the Military. From XX/XX/XXXX to XX/XX/XXXX there were no payments to Capital One and no one contacted me. I called Capital One in XX/XX/XXXX for a credit line increase, only to discover that they had not received a payment the last 4 months. I quickly made payments to get the account caught up and it has been up to date since. 

I have been with Capital One for about 10 years and have never been late. I contacted Capital One 5 times with goodwill letters and was told they would consider it due to XXXX and XXXX only to be denied. This is really messing up my score due to us trying to purchase a home. If I missed to miss it would be different but I really thought I set up automatic payments. 


I am trying to get the late payments reversed die to the XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Up today, XX/XX/XXXX, I have disputed a transaction with my customer XXXX XXXX, the dispute was resolved but the Wells Fargo bank is still withholding the fund about {$15000.00}, from my customer XXXX XXXX to three of my account. My customer XXXX XXXX had already paid the invoice at the beginning of 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 2018-10-10 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 — Was not notified of investigation status or results
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
My mortgage company The Money Source has not submitted my mortgage to the credit bureaus since XX/XX/XXXX. I have been battling this situation since XX/XX/XXXX when I found out and I have a log of times and dates of several different representatives giving me inaccurate information as well as indicating a follow up call will be given on the case.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I have no knowledge of this debt and who this company or who there client is. I sent a debt validation letter via certified mail and have received nothing except a letter stating that I have never responded to them and that they now threating that they will report this information to all three credit reporting agency. I have pulled my latest reports and they are indeed reporting this invalidated negative tradelines to all agencies even though it's disputed and I have received nothing to validate this debt from them. I have attached the certified mail receipt sent on XX/XX/2018 as it relates to my response to this firm asking them to please validate, I even outlined the specific items needed to validate this unknown debt and I have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/1018 I filed a dispute through Customer Service at XXXX XXXX for account ending XXXX. The dispute is concerning the {$810.00} promo finance charge added to my account on XX/XX/XXXX. In that dispute, I felt like the payment structure was not set up correctly so that I would have made the final payment on the promotion within the 12 month period allowed. I made the minimum payment that you set forth and assumed the last payment would be a different amount and waited for that statement to reflect that.However, when I received that statement the finance charge had already been assessed. I asked in the dispute that the finance charge be removed. 

When I got home that evening and pulled all of my statements out, I also noticed that in XX/XX/2018, they reduced the amount of my minimum payment from {$440.00} to {$410.00}. Once again assuming they were adjusting my payment to still remain in the 12 month promotion. In effect, what really happened was that the difference between the two amounts was {$30.00} a month and it was reduced for 9 months. That equals {$270.00}. My final payoff was {$240.00} so by reducing my payment those months, it caused me to go past the promotional date and incur the {$810.00} in charges. I feel that it is completely unfair and deceptive for them to reduce my payment to set me up for failure in the end and charge me interest. 

On XX/XX/2018 I received a letter from XXXX telling me that I could provide additional documentation. I replied on XX/XX/XXXX with a letter as well as my statement showing when they reduced my payment and the calculations that make it appear they purposely reduced my payment so the final payment would fall outside of the 12 month period. On XX/XX/XXXX I received a letter from XXXX XXXX stating the finance charge would remain. The letter was dated XX/XX/XXXX-only two days after the first letter asking for additional information. I feel as if that was deceptive also. Why would you say that I could provide additional information when you had already reached a decision? 

In summary, I asked that the finance charge to be removed. I feel the practice of reducing my payment to guarantee that customers will go past the 12 month due date is unfair to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I graduated collage in 1995 with {$23000.00} in loans. Ten years later I owed over {$50000.00} and today I owe almost {$80000.00}. It seems like the more I pay the more I owe. The first ten years I had some financial difficulties due to a bad marriage. My then wife was paying the bills and without my knowledge she took a forbearance on my student loans. For the past ten years I have been on the Income based repayment plan and every year my balance goes up.

Last month I called MOHELA to ask why my balance keeps increasing. For the first time I was told that my plan doesn't cover my total interest and the remaining interest is added to my account.

I then asked how long I have been on the plan and the information I get is confusing. One person says I have about 9 years in and another person says I only have about 3 years. Through a work benefit I went back to school to take a few classes and MOHELA automatically put me on deferment. I was told this deferment time would count towards the 20 years and I was told it was not. I have asked for confirmation and was told they would send me a letter explaining how much time I have but no letter has been sent in almost two months. If I do get the letter how do I know I can trust the information? If  forgiveness is a benefit of this program they should provide you the amount of time remaining in the monthly statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I wasn't sure what to check in the begining of the forms but here 's what happened. i answered the phone and he said this is XXXX XXXX i'm like ok who are you with i had to ask 5 times before he identified his company name. which was portfolio recovery. This was obviosly an attempt to collect a debt and very illegal debt pratices. He kept asking numous times if i was still at a certain address before he ever identified his company and he only identified after i asked 5 times. this company needs to the hammer drooped on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 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: NC

Complaint narrative:
In XX/XX/XXXX, I contacted Experian about accounts on my report that are in error, Experian investigated and stated that the accounts were verified. I sent a letter requesting the Method of Verification in XX/XX/XXXX. Experian failed to send me a method of verification. I made another request in XXXX for the method of verification, Experian failed to provide me with the method of verification. I sent an additional request for the method of verification in XXXX, Experian yet again failed to send me the method of verification of how the accounts were being certified as being accurate. I sent a letter to Experian in XX/XX/XXXX telling Experian that because they had failed to provide the method of verification that I was telling them to remove the accounts and I would be filing a complaint with the CFPB, yet again Experian responded with a credit report stating that accounts were certified as being certified, and completely ignored my request.

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 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: CO

Complaint narrative:
On XX/XX/XXXX18 we called in for a payoff amount. We were given an amount of {$2000.00}. We electronically made that payment. At the time of the inquiry we asked when can we expect to receive the escrow money and lien releases. We were not told at the time that the escrow money was included in the pay off amount. We received the lien release and a check of {$2.00}. We called in today to inquire once again about the escrow balance of {$870.00} We were told it was included in the payoff amount.

We have paid off other mortgage 's in the past and never has the escrow been included in the payoff amount. It is a separate account and should be explained up front that the escrow is part of the payoff. We feel this is shady at best and may need to be investigated by the proper authorities.

Company response to consumer: Closed with explanation