vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a Capitalone rewards credit card which I opened back in XXXX of XXXX. This card carries a yearly fee that has kept going up and currently stands at {$99.00}. 
I called in XXXX, I believe, because I wanted to switch the cards as I did not see a benefit to having a rewards card. I was told the fee is not due till XXXX, XXXX and I should think on what I would like to do. I called back in in XXXX prior to a vacation. The agent with whom I spoke informed me that she can switch the card to a card without a rewards card but she can also see about waiving the fee but she cant do it until after the fee has been charged on the account. 

Lo and behold, I call in today to see about the fee waiver and I was informed the fee cant be waived and theyre happy to switch the card to a different card. When I informed the agent that was not what I was told as I had called previously, he tells me hell pull the call and if its true the agent advised me of that hell see what he can do about the fee. 
How these lying dogs stay in business is beyond me and is the fault of the government. Ive been through this before. Theyll claim their agent never said that or nothing was ever documented and they ALWAYS document their records. 
This needs to stop. Consumers are already being defrauded by these people. Where does it ever stop? Why would I want to switch the account after theyve charged their fee? I may be a lot of things but I am not stupid!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am disputing Credence Resource Management .This agency has re-aged this account according to the original creditors date of first delinquency. I am not certain of the exact date of the first delinquency but this account has been illegally re aged by XXXX different companies that I have found so far. On XXXX XXXX XXXX XXXX XXXX reported this same account as being opened with a balance of {$710.00}. XXXX XXXX XXXX XXXX reported this account as opened on XXXX XXXX with a balance of {$710.00}. XXXX XXXX XXXX XXXX XXXX reported this account as opened XXXX XXXX with a balance of {$710.00} but a high balance of {$570.00}. This account was removed from my report XXXX XXXX and then added back XXXX XXXX. And Now Credence Resource Management is reporting it as opened XXXX XXXX with a balance of {$710.00}. I have never spoken with any of these companies and I am just realizing that this has been happening and that I can dispute all of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: Harley Davidson Financial Services Inc
State: IN

Complaint narrative:
Harley Davidson Credit XXXX # XXXX Dear Customer Service : My credit report reflects an account with Harley Davidson Credit. This account was closed and vehicle voluntarily returned before I filed a Chapter XXXX bankruptcy. It was agreed that XXXX XXXX would remove this report from my credit history upon return of their collateral, a XXXX XXXX XXXX XXXX XXXX. 

Additionally, the loan which I received from Harley Davidson Credit was very unfavorable and the terms of the loan made it almost impossible for me to be successful. My interest rate was XXXX % and my monthly payment was {$470.00} over a XXXX period. At the onset of the loan, I questioned the very high interest rate based upon my current XXXX income and my debt to income ratios. I believe Harley Davidson Credit provided me with a loan product that was unsustainable and knew eventually theyd be able to recover their collateral and sell it for almost the same value which I paid. 

I am reaching out to you to request assistance in removing this item from all three credit bureau reports. This item is a blemish on my record and I believe had my income been examined more closely, it would have resulted in a payment that was affordable or the loan being denied due to lack of sufficient income. Unfortunately, this item has put me into a category which has led other creditors want to extend credit at very unfavorable terms. 

Please do not hesitate to reach me if you require additional details or further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
I filed a dispute with the card company on XXXX/XXXX/XXXX. I was told during that recorded call that if I returned the forms required within XXXX business days I would receive provisional credit within that XXXX business days. I called multiple times during that period to ensure that the forms were received. On XXXX/XXXX/XXXX I called and was told that the card would be credited that evening. I never received it. I called again on XXXX/XXXX/XXXX and was disconnected while on hold. I called on XXXX/XXXX/XXXX and was told that the hurricane was causing them to be unable to deal with disputes. I explained that my XXXX business days was long before the hurricane and was told that a level XXXX team would investigate. I called on XXXX/XXXX/XXXX and was told by XXXX XXXX that I could not speak with a supervisor and he would not provide a supervisors name to file a complaint. I could write a letter if I wanted to complain. I explained the issue and was again told the hurricane was the issue even though that was not in XXXX. I explained I read the terms and conditions of the card and it says they will resolve disputes within XXXX business days. If they need more time the cardholder will be given provisional credit within XXXX business days. This is on page XXXX of the terms and conditions. The supervisor that I was unable to speak with said yes, I returned everything and was eligible for credit, but that I do n't understand. The credit does n't need to be given to me within XXXX business days as the document states, I just need to return everything during that time and they will at some point up to XXXX business days later provide credit. That is not what is documented in their terms and conditions, it is n't what I was told by the dispute department or any other customer service representative. I asked again to speak with a supervisor and was told no. The phone number is XXXX. Cardholder services is XXXX XXXX XXXX XXXX FL XXXX. Their fax number is XXXX. The website is XXXX. The card is issued by XXXX XXXX XXXX XXXX and is XXXX branded 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 monetary relief
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX t
hat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Also consumers were not informed in a timely matter as the company kept news of this breach secret for weeks! Further putting the consumer at risk while trying to save their own hide. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My information was initially exposed in the XXXX breach and gained access to credit and identity monitoring after that incident. Since then, I regularly check all alerts that typically include normal inquiries for credit or new accounts being opened that were my own. I recently found out that my information was also exposed again during the recent Equifax breach and yesterday I got another alert that XXXX XXXX XXXX had done an inquiry on my credit via Equifax. Knowing this was n't initiated by me, I contacted XXXX XXXX XXXX 's fraud department and found out that on XXXX/XXXX/XXXX, a wireless account was opened with my SSN using someone else 's name and address. XXXX XXXX XXXX 's fraud department actually did close the account as of yesterday and marked it as fraudulent but now I have confirmed that my SSN has been exposed and was stolen with the intent to use it to steal my identity. I have reported fraud alerts with XXXX who said that fraud alerts would then be sent to the other XXXX major bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
This complaint is against XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NY XXXX. I am a victim of identity theft, and have had an extended fraud alert placed on all three credit reporting agencies since XXXX2016. XXXX allowed someone to illegally use my personal financial information to open an account in XXXX, New York. If XXXX had done their due diligence when opening this account, they would have been notified of the extended fraud alerts in place, and stopped this identity theft from occurring. I am a resident of Texas, and the attempt to get service from XXXX in New York should have been easily detectable as fraud. 
In addition to having a sub-standard credit approval process in place when creating the fraudulent account, XXXX had the Collection Bureau of Hudson Valley place a collection on my credit file. This has cost me hours of time to correct, and I believe XXXX should be required to compensate me for all lost time during this process and for any damage done to my credit rating as the result of their poor business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Today, XXXX XXXX, XXXX, I attempted to put a freeze on my credit report with TransUnion and XXXX. The initial attempt for both was made on-line. After giving all my personal information and submitting the request, the automated systems came back and said they could not process my request. In the case of XXXX, they provided information on how to request an alert via XXXX XXXX In the case of TransUnion, I called a number they provided and had such a bad connection that I was unable to complete the call, despite repeated requests to provide a better connection. I have n't even tried XXXX yet. My impression is that the bureaus are making it unnecessarily difficult to place a freeze on credit reports. 

Like many Americans, I was impacted by the XXXX data breach. I want to place a freeze on my credit report for each of the XXXX bureaus quickly. Any assistance would be appreciated XXXX XXXX XXXX, VA

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 2017-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
I received on XXXX/XXXX/XXXX a letter from XXXX XXXX, XXXX. of the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The letter is attached. In it are listed additional fees, including property inspections, valuations, " XXXX Membership Fees, '' which, if XXXX reviews this case over the last year, and the relevant actions of Key Bank and the XXXX, are unreasonable collection expenses, in violation of our loan agreement, but also are being assessed BEFORE foreclosure and before case mediation, in violation of NYS law, I believe, CPLR Sec. XXXX, but I might be confusing this section of law with another. Please see my complaint dated XXXX/XXXX/XXXX for the correct citation. This action also has the effect of destroying equity, in violation of XXXX 's prohibition against predatory servicing and how " equity stripping '' was viewed by the XXXX of XXXX of XXXX and is now viewed by the CFPB. 

I spoke with XXXX XXXX on XXXX/XXXX/XXXX, and she is researching Key Bank 's obligation to provide a named Key Bank employee with the authority to negotiate a workout, something that will be required of Key Bank in the foreclosure process. I want to be clear about this obligation, because I do not think I was clear with XXXX XXXX in our phone conversation. Only the president of a corporation - outside any specific delegation - has the authority to negotiate a contract for the corporation. I do n't think XXXX XXXX XXXX is planning on negotiating for Key Bank, so Key Bank must delegate that authority to someone, whether it be XXXX XXXX, who is the regulatory contact for the CFPB, or someone else. It CAN NOT be Key Bank 's attorney, which is what XXXX XXXX XXXX represented to me in our phone conversation of XXXX/XXXX/XXXX. Indeed, XXXX XXXX 's professional ethics would prevent her from acting as a principal ; she may only act as an advisor to Key Bank. I am still awaiting the identification of this employee at Key Bank and have been waiting now for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MA

Complaint narrative:
I have contact Amerihome on numerous of occasions & still no resolution. Since, Amerihome is not processing payments properly, they have now reported to the Credit Bureaus as late. By Amerihome, doing so this is affecting my XXXX XXXX and I can not obtain certain service to maintain the home. Failure is on Amerihomes part for not properly responding to letters, faxes, e-mails, calls, not properly researching the account when requested, failure to properly process payments, Customer Service & other depts. failure to provide an explanation, dept refers to contact another dept or send in a fax and failure of properly assure correspondence is received in a timely manner ( i.e. sending out days/weeks later of the letter dates, mail never received on important matters, etc. ). 

Since there is quite of bit of correspondence, I either email, fax or XXXX priority mail to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: NY

Complaint narrative:
this Account Type Installment Loan Account Number XXXX Date Opened XXXX/XXXX/XXXX was paid in full and was never late.

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 2017-09-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander Finance out of XXXX, Va. lased a vehicle under my wife 's maiden name to a XXXX XXXX in XXXX, sold the vehicle and now is trying to sue my wife for the amount loaned out for the vehicle.After investigating, findings concluded that the vehicle was illegally obtained by XXXX XXXX. Santander Finance company sold a XXXX XXXX XXXX to a person that had/has no drivers license nor job at the time of the sale of the vehicle.When confronted about the vehicle and it 's whereabouts, the legal firm of XXXX XXXX XXXX located in XXXX, Va.representing this finance company stated : the vehicle has been sold and the funds were directed to Santander finance company.We are now in lue of trying to mitigate this debt through the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
I have been trying to get notifications on what my monthly bills and fees are for over a year, but this company refuses to send me anything in the mail. When I called back on XXXX XXXX of XXXX to have this rectified, they told me I needed to submit a Periodic Statement Authorization Form. This form was then immediately filled out and sent to them via fax on XXXX XXXX XXXX.Since then I have called in repeatedly to get my balances because they still were not sending me any notifications. I asked about the notifications status and the representatives told me that it was strange that I was n't getting any statements because the form was received on XXXX XXXX. 

On XXXX/XXXX/XXXX I called in to make my monthly payment and the representative informed me that I owed an additional {$6000.00} for charges incurred earlier in the year. At this time it was the first time I heard about these charges. 

I have since asked the company to explain why these charges were incurred and also to explain why they have failed to notify of these charges even though they received my form. They sent a letter saying they never got a form from me, which is just plain false. I believe they are not being truthful about this form being received on XXXX XXXX XXXX, which would make them guilty of fraud.

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 2017-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
From XXXX to XXXX my loan amounts have grown exponentially through fraudulent practices with Navient. I was encouraged to defer my loans and was given mis-leading information on my repayment plan. In addition, I was charged exhorbitant interest fees and late payment fees due to the the processing of my loan consolidation applications and repayment applications. A loan origination amount that was estimated at $ XXXX is currently estimated at $ XXXX. Navient 's accumulated interest surpasses the original loan amount by $ XXXX. This is highway robbery and I am struggling to pay this loan back. 

I need my account investigated for fraudulent business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: Seterus, Inc.
State: MI

Complaint narrative:
I have been with Seterus, Inc. for my mortgage for about XXXX years. I have been trying to refinance my home and Seterus has not updated my credit history in over a year. I have called Seterus once a month since XXXX XXXX to update my report and every time I call they tell me it will take a month to reflect on my credit report. As of XXXX XXXX, it still has n't been updated and I can not refinance my mortgage or my vehicle.

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 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
my information, personal information could have potentially been stolen. now my credit will have to be put on hold and I have to monitor account and buying a home this will stop all my financials issues and keep me from moving forward with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XXXX I tried to access my free credit report from Trans-Union. I filled out the form and answered the questions they posed to verify my identity. They said they could not verify it - XXXX of my answers must have been deemed incorrect by them. I was kicked out not knowing what went wrong - only that I could not be verified. The information on the site was very confusing and when I thought I had clicked on the button to continue to fix my response it completely kicked me out saying that I had to wait a year before I could ask for a report. What can I 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 non-monetary relief
Consumer complaint received 2017-09-12 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: GA

Complaint narrative:
On XXXX XXXX, XXXX, I disputed the credit card account with XXXX XXXX indicating the account was not mine. I informed them that I have no idea where the account originated from and needed for them to verify the account. I did not receive any information validating that the account was truly verified. I also contacted the creditor and the collections agency indicating that the account was not mine and to please verify the accounts. I have not received any documentation from the creditor and the collections agency. On XXXX XXXX, XXXX, I reviewed my credit reports and the original creditor, XXXX XXXX and the collections agency, LVNV Funding, LLC, are both attempting to collect on the same debt. This is a credit card debt that is showing twice on my credit that does not belong to me.

Company response to consumer: Closed with explanation