vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 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: Colony Brands, Inc.
State: AL

Complaint narrative:
Yes I got credit people to dispute with Ginny account I don't own no account like this I don't know my personal account like this and I asked for the coming to investigate it and to remove it and I said they just put on my credit report to my day going to let us stay then how you going to let something stay there and it don't belongs to you and then you said somebody use my name and my ID all my information and I don't recognize this and I don't want this account and I want it off my account and I mean it do I have to hire me lawyer to remove all this and plus I got some old account that has been on there for years old hospital bill and it also don't supposed to be on it I want it removed immediately all my credit report I'm going through some stuff now and trying to dispute a lot of stuff that don't belong to me and I asked for a dispute that Jenny account it's not mine I don't own no account somebody stole my identity use my personal information I want it removed from my account asap call when you're busy investigating something they supposed to get down to the nitty-gritty my ID was stolen seem like to meet at a new day job I want it removed I want to repeat it I want to dispute it off my account right now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RAB, INC.
State: NY

Complaint narrative:
I am the XXXX  of a XXXX that is in dispute of charges from a repair company. I was contacted by RAB ( Regional Adjustment Bureau ) and informed that they would be collecting the debt. I informed them that I was in dispute of the amount of the debt, but I agreed to pay part of the debt as full payment because I felt it was appropriate compensation for their efforts to repair our issues. I was then sent a letter stating that the debt was to be paid THAT DAY by ACH transfer OR Credit card. Fearing that the company may in some way be deceptive ( Based on internet information available to me ), I stated that any payments would be made by XXXX   check. They then made harassing telephone calls to me at my office ( on a recorded line ), then two calls to me harassing me on my cell phone. Then I received a text message stating " Should I call XXXX, XXXX or XXXX to get them to pay your debt ''. Those are my wife and children, not associated in any way with my business. 

I proceeded at that point to send an email with the following language : Harassing me in my office by telephone and harassing me on my cell phone are one thing, but sending me a text message threatening to harass my wife and children is unacceptable. I refuse to be on a phone call in which I am being yelled at and berated, hence the reason for my exiting the phone call ( all recorded ), but you have stepped way over the line. I will conclude any business with XXXX directly, ANY business between you and I is concluded. Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New York State Attorney Generals office. Civil and criminal claims will be pursued. 

I was contacted twice more that same day by this individual. I feel that this matter will not be resolved and this particular individual will stop at nothing to continue the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: MN

Complaint narrative:
In XX/XX/XXXX, I reached out to navient, for information regarding a payment plan to start paying back my loans. Although I had responded to their debt collection emails for years requesting information to be mailed out to me regarding different repayment options. Since XXXX, navient has sent emails to postpone or granting forbearances, requesting that I call them to review repayment options instead of just mailing out the information regarding different repayment options as I requested. In which it would give me time to decide which option would work best for me. So after a minimum of 10 years of postponing or granting forbearances, and having my request basically be ignored for information to be mailed out, I finally called navient and I was given a quote of a monthly payment quote in which was outrageous to say the least. I finally was advised to submit an application through their website to initiate the process. ( although I have asked for these steps throughout the years. ) I was advised by the customer service rep, that while my application was being processed, my loans will be in a forbearance period until XX/XX/XXXX. After my students loans were consolidated again and my interest rate went from a 2 % fixed rate to now 4 % rate, I received my IDR payment plan letter dated on XXXX. Stating that my plan starts on XXXX. A week later I received a bill, stating to avoid late fees I would have to pay XXXX by XX/XX/XXXX and my XX/XX/XXXX bill is XXXX. Keep in mind I was advised along with receiving a email stating I am in forbearance until XXXX. This has been a complete nightmare dealing with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I paid my balance in full for the XX/XX/XXXXstatement. In XX/XX/XXXX, one purchase for {$710.00} is on 0 % no interest for 12 months. The rest of the balance is subject to regular insanely high interest. Nowhere on the XX/XX/XXXXstatement does it say what portion needs to be paid to avoid interest. I thought I had calculated it correctly, but I was still charged interest. When I called the company they kept me on hold for >10 minutes and then they disconnected the call. I shouldn't have to call back again to straighten this out.

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 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
I applied for a loan modification through Bayview Loan Servicing. My house was almost totally destroyed during Hurricane Florence in XXXX. Bayview Loan Servicing has received multiple payment from my insurance company. The amount of the insurance payments is approximately XXXX. The total loan payoff is estimated at XXXX. The home is currently in the process of being repaired and I have been keeping an open line of communication with the servicing provider so that I will not lose my home. I received a mortgage statement dated XX/XX/XXXX with {$2600.00} in unexplained fees. They claim these fees are for property preservation, property repair, hazard insurance claims, lock charges etc.. 
The property is covered by an insurance claim and these additional charges have not been substantiated. No one at Bayview Loan Servicing is able to tell me why we incurred these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: NY

Complaint narrative:
i have a credit card account that I'm listed as authorized user that the owner of the acct. has failed to pay and is in bankruptcy. My credit report with is now listing it as an adverse account and has lowered my credit score.

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 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
For federal regulators and law enforcement. Wells Fargo continues to send unwanted XXXX notifications in delaying and distracting from answering the questions posed to this criminal company in their violations of federal regulatory law as well as criminal law concerning the Truth in Lending Act ( TILA ) and various other regulatory violations as well as criminal fraud and money laundering. They distract and delay answering these questions as it will expose their criminal activity and the activity of Wachovia Bank in 2007 when banks were making windfalls on refinance loans disregarding rules and regulations, competence in transactions by their employees, and fraud to the American consumer. By the shear volume of these refinances and the money that was made, these banks exposed themselves to their shoddy workmanship and to remedy blamed the customers for their mistakes. 

Questions were : 1 ) Why did Wells Fargo sue my person when their acquired bank made the mistake in not requiring a XXXX   balance HELOC not be closed prior to closing knowing the account existed as reported on the credit report and by customer that it existed. Customer paid {$380.00} for that credit report and is the responsibility of the lender to underwrite such disclosure? 2 ) Why did Wells Fargo not notify attorneys of borrower and defendant in their lawsuit against borrower that they dropped their frivolous lawsuit and sold the mortgage to XXXX XXXX as required by federal law? 

Wells Fargo is deliberately trying to confuse and deflect their liability, both civil and criminal, by delaying and reiterating their false narrative to the CFPB and the OCC. I would request a formal investigation by the US Department of Justice and the OCC to begin to expose the criminal behavior of this bank, Wells Fargo and other banks including Wachovia who committed crimes out of greed during the housing bubble.

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 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
hiIhavecontactedloancarellcnumeroustimesinquiringtoseeifwecanaddourwaterandsewerassessmenttoouraccount.Icalledcustomerserviceseveraltimesandwasadvisedtosendacopyofmydocumenttotheemailaddressthatwasprovided.ihavecalledseveraltimescheckingonthestatus.ihaveyettoreceivearesponse.Wewouldliketoknowifwecanhaveourwaterandsewerassessmentescrowoutofouraccount.howeverasalwayswehaveyettoreceivearesponse.Thiscompanyhastheworstcustomerserviceandfollowup.whatsthepointofhavinganemailboxtoaskquestionsifyournotgoingtotakethetimetorespond.

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 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX My complaint is re : Capital One. I have 2 business credit card accounts and a history of excellent credit and also a history of using their 0 % balance transfer offers. I received several email offers, multiple, from Capital encouraging me ( on both accounts ) to use their then ( 2 months ago ) current offer of 0 % for 18 months at a 2 % transaction fee. 0 % has been a wonderful tool for my small business. 

I took advantage of their offer and put {$5500.00} on Capital One, account above. 

My first statement after borrowing, I owed the minimum of {$55.00} for that month. 
That was fine and logical. On my next ( XX/XX/2019 ) recent statement, i thought i missed the payment date because i owed much more than the minimum payment on the 0 % offer I had taken advantage of. I rarely miss payments, but I had been sick and thought I made a mistake somehow. 

I called yesterday ( Sunday ) and spoke with a regular phone person ( XXXX # XXXX ) and then with a supervisor ( XXXX # XXXX ). XXXX, the supervisor, said my transfer was processed as a regular transfer and that I owe interest every month to the tune of approximately 30 %. They said they would need to review the phone call with the original representative and it would take at least 7 - 10 business days ( while incurring further interest!!! ) to look into this and, that they don't call their customers - they could only contact me with their " decision '' by letter. 

I believe Capital One is entrapping people. i am waiting for their " decision '' but in the interest of safety I have used up almost all my available funds to immediately pay the Capital One Credit card of over {$5500.00}, plus the interest charge of {$140.00}. Because, if for some strange reason, they decided that I changed my complete history of doing business and borrowing them - with the stupidity of putting myself and my business in a 30 % interest position, they i would owe even more interest! Smart on their part, don't you think! 

This is outrageous. I am very careful about how i utilize my credit and therefore have excellent credit. 

If, for some reason, I did not properly understand on the original phone call borrowing this money - I know that it was not transparent and in verbiage that would entrap the public. I would not make a mistake like this easily. And I am sure other people, maybe people who have done this for the first time, could easily think they were wrong and they owed this money with interest. 

it is outrageous that it takes 10 days and only thru a letter, for them to resolve my issue - while still accruing interest! 

Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have disputed the inaccurate reporting on my credit report from Bank Of America. They sold the information on my report to another agency I disputed the inaccurate reporting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Bank of america has failed to send me any letters validating the debt. I have asked them several time to remove this from my report.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a tradeline or account with XXXX 's that according to them was reported approximately 2 months ago ... a credit card ... and I do not see it being reported on my reports I want this corrected, and reported ... this is unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
I applied for a loan with Loan Depot in XXXX, 2019 and was conditionally approved, pending the appraisal. On XX/XX/XXXX, I received a Loan Estimate and a Rate Lock from Loan Depot for the rate that I had been quoted over the phone of 3.325 % for a 7/1 ARM loan. The Loan Estimate and Rate Lock are attached. 

I have supplied all requested documents and other data and was available to make sure the appraisal was done at the date and time agreed to. The appraised amount was sufficient for the loan. 

On XXXX, XX/XX/XXXX, I was informed by Loan Depot that the 7/1 ARM product was no longer available. I said I understood that programs change but I had a valid commitment through XX/XX/2019 and I expected to close on that date. Loan Depot has all necessary documentation, but now refuses to close the loan. I told one of the managers, XXXX XXXX, that I expected Loan Depot to honor the commitment. He indicated he would speak to a more senior staff member, but I did not hear back from him.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX the account was charged an overdraft fee when not overdrafted. The account was at {$16.00} AFTER a {$36.00} overdraft fee was charged. The next day the account was charged another overdraft fee after a different purchase put the account in the negative because of the fees. There was a deposit of {$370.00} that put the account back in the positive. 

On XX/XX/XXXX, the account was hit with 5 overdraft fees for {$180.00}. The account after the purchases were made was at {$130.00} and only went negative because of the excessive fees. The account was then at - {$50.00}. I transferred {$300.00}, which did not post until the XXXX. 2 more overdraft fees were incurred on the XXXX. The account is currently negative at - {$130.00} because of {$320.00} of overdraft fees. At most, the account should have been charged 1 overdraft fee on XXXX but that also would not have happened if not for 2 dubious overdraft fees on the XXXX and XXXX. 

I have contacted the company and filed a complaint with XXXX as this is the 2nd time the company has appeared to use creative accounting to maximize fees.

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 2019-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was sent an unsolicited Kohl credit card. I had an account several years ago. This card looks like a replacement credit card that even says I have been a member since ... I went online to check my previous credit card account and it said it was closed. THis is a very sneaky way of trying to get someone to open an account they don't want. It reminds me of the activities XXXX XXXX did with their account practices. If it isn't illegal, it should be. I will no longer do business with Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: MA

Complaint narrative:
To Experian, XXXX, and XXXX. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX  themselves reported that my last payment received was dated on XX/XX/XXXX yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( Experian ) while others have not since updated that original XXXX credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim at all!!!

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