vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Called XXXX, Equifax, XXXX multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is the 2nd time this has occurred. I made several purchases in XXXX, each time selecting 6 or 12 month special financing at checkout. The purchase XX/XX/XXXX accepted this, the purchase XXXX XXXX did not and shows on my statement as equal pay 12 mos. This increases my minimum payments and affecting how prior deferred interest payments are applied. I need the 2 transactions on XX/XX/XXXX for {$53.00} and {$460.00}, and the transaction XX/XX/XXXX for XXXX to be corrected to Deferred Interest with Payment 12 months.

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 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/19 My wife and I had about XXXX dollars in my bank of america joint account.. At about XXXX o'clock she notified me about the account being -XXXX . When I tried to log on to my account, it asked me for my social and card number which I tried to input and it did not let me ... when I finally was able to get someone on the phone the told me that Bank of America made a business decision to close my account ... We've never had that type of money and they will not give us an answer for why pr how our account is like that ... While I was on the phone my wife was in our branch and was being told the same thing.

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 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
This morning, I attempted to call the debt collector to resolve my issue. I was trying to make a XXXX month payment arrangement. The lady who answered was very rude immediately with a negative tone. She didn't read the mini XXXX before asking me personal questions. After this, I asked to discuss a payment arrangement. She told me no, and the balance in full is the only option available to me or they will garnish my bank account. I told her I am willing to work with her, and I am a XXXX who receives XXXX benefits as I am a XXXX veteran. She refused to work with me. I asked to speak to a XXXX, she said I can't as she is not in, and will send me to her voicemail. I told her I want another XXXX then, she ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I could not view the attachment that LVNV Attached. Please reattach it so I can see if this was handled correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/2019, my wife and I purchased a massage chair from Mattress Firm. They had informed us about making a monthly payment for this chair. Since receiving the chair, we have been billed several different amounts. Synchrony bank first sent a bill for {$92.00}, then {$37.00} and now they have sent another for {$67.00}. At this point, we have been trying to return the chair because we feel this will negatively impact our credit and do not want the hassle. Mattress Firm is unwilling to return the chair. Then, in XX/XX/2019, we received a bill from XXXX XXXX  for the same chair! We were unaware of two different credit companies billing us for the same product. I have filed a fraud claim with XXXX, and also informed them that my salesman is not answering his phone or returning any calls about this matter. The last time I spoke to him about the XXXX issue he told me not to worry about paying them! At this time, we are unsure of what to do or where to go, but we definitely do not want this chair anymore!

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 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
I was contacted by ERC debt collection regarding an alleged unpaid account with " XXXX XXXX XXXX XXXX '' ( per " Enclosure1.pdf '' ). I do not believe I had ever maintained the alleged account, and I replied in writing to request documentation showing that I was responsible for the debt ( per " Enclosure2.pdf '' ). 

On XX/XX/2019, ERC acknowledged receipt of my reply. ERC stated that it was unable to provide documentation around the account, would cease collection activity, and would request that the account be deleted from any consumer credit reporting files ( per " Enclosure3.pdf '' ). 

This never occurred and, as of XX/XX/2019, the account is still listed as in collections on my credit report with XXXX ( per " Enclosure4.pdf '' ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submitted a claim to XXXX XXXX due to a problem I had with a flight and I had a insurance which I bought using their website. The XXXX XXXX costumer service team reviewed my claim but, I never received the refund and I been waiting a couple of days. So, since the period time frame passed I called my bank and I submitted a dispute about the refund. Bank of America provided the refund to me the next business day. However, after a couple of days I received a letter in the mail requesting proof of the emails or information stating that XXXX XXXX issued a refund. Nevertheless, I submitted all the emails and information they sent me stating that they were going to refund me partial of what I paid {$360.00}. On the other hand, after I submitted all the information and everything, Bank of America sent me a letter that the refund they gave me will be reversed to my bank account. This is ridiculous and unacceptable because I have proof of what XXXX XXXX sent me. Therefore, the solution I want is for Bank of America to delete the negative balance I have in a bank account closed since they didnt believe the documents I provided.

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 2019-07-12 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: AL

Complaint narrative:
I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately.Therefore you are to present to me with a certificate in testimony that the alleged accounts listed in Facts 9,10, are in fact compliant and not subterfuge ( copied from affidavit )

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 2019-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I recibe a compliant response from this new mortgage company and as with XXXX XXXX XXXX they are started to lie and not answer my complaint 1 amount they say I owed no prove no prove why they keep changing the amount their new amount is {$1500.00} they claimed I missed this payment 4 years ago!!! XX/XX/2015 at the time I was paying what the court say or they presented to the court remember everything was force by the court they have already add XXXX to my mortgage a house that was worth XXXX if you see the partem fraud all around as forced me to signed a so contract by the way a contract is done when 2 parties agreed into it but my low income and situation dose not aloud me and their called loan modification help only sink me more into their fraudulent now the house has gain some value they change to a new this shellpoint Mortgage Services and this people same or worse playing the same tune 2 they keep lying about a bankruptcy with a forge paper you can see how they add with a formal paper with a pen that says a lot about them and the third question was why they send me a papers for a loan modification what happens to the loan modification they supposed to know I was in before they got this loan why they do not know anything or have any papers from this loan break down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I received a letter from Rushmore dated XX/XX/XXXX stating that my PMI would be removed as of XX/XX/XXXX, due to the original amortization of the loan. I had to request by fax that they do this, even though it was per our loan that it would be removed. As of today, XX/XX/XXXX, my statement still doesn't reflect that. Yesterday, XX/XX/XXXX, I received an escrow account disclosure statement and change of payment notice that still shows mortgage insurance and an incorrect amount for property taxes, and our payment increasing, for the second time this year. I received the property tax notice in XXXX for {$1600.00}. The taxes were discounted by the county because I turned XXXX last year. The amount for the prior year, XXXX, was {$2400.00}, which is what they are showing due for this year. They also added 2 months of additional escrow, initially, when our loan with XXXX XXXX XXXX was sold to them for servicing, last year, I believe in XXXX. I have spoken with their call center, and via email numerous times, and can never get an answer as to why this is going on. They continue to say that it has to be investigated. We already have a letter saying that the PMI would e removed as of XX/XX/XXXX, so that should not be an issue any longer. Please help me. They won't let me speak with anyone, ( supervisor ) when I contact the call center, which, I believe is in the XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I applied for a Capital One Savor One Card. Since I subscribe to XXXX XXXX and XXXX, I received an alert that XXXX, XXXX XXXX and XXXX had been pulled for evaluate my Capital One credit application. 

I received a online response when I completed the application indicating additional review was necessary and I would receive a decision within 7 to 10 business days. It has now been almost a month ( 20 business days ) and I have not heard one word from Capital One. I have called them several times and I keep getting a response that they are sorry but more time is needed. I have been an exceptional  customer of Capital One for many years and I am at a loss as to why they havent made a decision on my application and refuse to communicate with me. 

No consumer should be treated so unprofessionally. With the 30 days approaching will my application be voided. Will additional pulls of the Bureaus be necessary to continue the application process?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I am getting repeated phone calls on my cell phone for debt that is a relatives debt and not my own. I have repeatedly told them that they have the wrong # and I do not speak to this relative but they continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Can someone explain to me why, when I make a purchase using my debit/atm card the amount is immediately taken out of my checking account BUT BUT when I return an item and the company I bought from process a refund it takes DAYS to get the credit for that refund????? 

It is unfair. 

Why is this allowed to happen???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I am attempting loan modification on property located at XXXX XXXX XXXX XXXX, MA XXXX. First issue is : 1 ) mortgager service is attempting to collect a debt while in bankruptcy and while in review for loan modification ( dual tracking ) -- Second Issue 2 ) But more significantly, their attempts to collect arrears are based on a monthly mortgage payment which does not compute to the terms of the loan origination. The note and mortgage originated in XX/XX/XXXX at 7.375 % over 30 years. Presently the terms being enforced are 5.25 % with the entire balance due.. No prior modifications on this loan have been received. I have attempted to fix this problem with them before but to no avail. They servicing of this mortgage and their subsequent transfers have resulted in them either losing the original terms of mortgage or the investor has tried to take advantage of the mortgagor/debtor by tweaking the terms of payment in order to foreclose. Historically i paid on this mortgage in accelerated fashion between XX/XX/XXXX andXX/XX/XXXX on the order of {$110000.00} -- none of these payments were properly applied. I was only 2 months behind when i filed in XX/XX/XXXX. My payment then was about {$1700.00} a month PITI.  Now my payment is {$2500.00}. I called them and they explained that my loan matured in XX/XX/XXXXand that they could not explain the math. I explained that my accelerated payments to them while in active Chapter XXXX should be applied retroactively on the same terms of origination and amortization as that provided in XX/XX/XXXX when i took the loan out. They seemed confused. I sent Mr. Cooper ( formerly Nationstar then formerly XXXX  XXXX then formerly Aurora loan Services ) Proof of the voluntary dismissal of my bankruptcy. They agreed that the terms now being enforced are erroneous but have made no efforts to fix it. I will send a copy of the letter ( formal dispute ) i recently sent Mr. Cooper Loan # XXXX including disbursements and orders of the trustee in bk under my original case XXXX. Mortgagor has provided a complete loan modification packet to Mr. Cooper and is in underwriting but without CFPB involvement concern is that Mr. Cooper will miscalculate debt owed resulting in more troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IN

Complaint narrative:
I re-financed my original loan with the understanding that it would lower the interest rate. Instead I was given another loan with even higher interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
For many years I had a XXXX XXXX XXXX card, every single bill paid on time, never one late fee. Barclays Banks closed out my account no reason given back XX/XX/XXXX but the reason is my husband who was the XXXX XXXX XXXX  in New York State was XXXX, XXXX, won his appeal, XXXX again and waiting for appeal. Of course Barclays will not give me a reason because they are breaking federal law ( ECOA ). I continually receive emails and letters from Barclays asking me to apply for a XXXX XXXX Master Card which I do. XXXX XXXX gave me a credit card in XX/XX/XXXX. 

I would like to sue and also have you act on my behalf to Barclays Bank. I had used XXXX XXXX card because I frequently fly on XXXX XXXX and I accumulated many points which are now running out. I am not allowed to accumulate points now which is another blatant discrimination. I will await your reply. XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX NY XXXX. XXXX cell phone

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 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was a victim of an online payday loan scam. I was specifically contacted by an impersonator that was stating that he worked for XXXX. He had offered to give me a loan for {$5000.00}. Put a small deposit into my account. Had told me to put a total of {$870.00} on a XXXX gift card. Then a couple days later took out the funds that he deposited. Causing my checking account to be overdrawn by {$870.00}.

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 2019-07-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX card I do not use one XX/XX/2016 identity theft XXXX XXXX XXXX card XX/XX/2016 Identity theft use XXXX XXXX card XX/XX/2016 theft use XXXX XXXX Theft use nonconsential Auto loan lease party has not asked me to use my identity or as a co - signer XXXX  XXXX XXXX Auto loan XXXX XXXX Auto loan or lease XXXX XXXX XXXX XXXX XXXX Auto loan or lease XXXX XXXX XXXX XXXX has not asked me to use my identity or as a co-signer Excessive, expensive and repeated use of my identity instead of own partys

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 2019-07-12 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: AZ

Complaint narrative:
So, I'm trying to go debt-free and I've been making " overpayments '' toward the principle of my loans here and there over the last couple of years. Or, I thought I was anyway. I got frustrated because it seemed like my loan principle wasn't getting any smaller and I was right, it wasn't! I went looking for why and it turns out Navient applied all of my extra payments to the interest instead of my principle! They're sneaky about it too, when you make extra payments via the online dashboard, they call it an " overpayment '' but they don't let you specify where you want the money to go. I figured since it was an overpayment, it would go onto my principle ( since they don't have the option to specify ). NOPE! Not only were they stealing my overpayments, but they also have not been reporting my payments to the credit bureaus. 

I tried to find my monthly statements ( which they all but hide from you ) because I coud n't see a breakdown of my accrued charges on my dashboard. When I finally found my monthly statements, they're hard to interpret. Utterly ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
XXXX XXXX from FCO debt collectors called me on a shared work phone in the middle of an office full of people and when I told him it was a work phone, refused to stop interrogating me. He told me that I had to call him on my lunch break in order to not endanger my employment. This felt like a threat. I also felt highly embarrassed as everyone in my office could hear the entire conversation. 

Further I have evidence the debt is not valid.

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