vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX Capital One reported to XXXX, and XXXX that my Capital One credit card ending in XXXX, balance was {$190.00} which was correct. On XX/XX/XXXX they reported to XXXX that my balance was {$660.00} which is not correct. My credit score dropped 26 points with XXXX due to this error. I called and alerted them of the issue and they indicated that they could not help me. I asked for a supervisor of the department that had reported the wrong information and was told that the person I was speaking to was the only one that I could speak with and they could not transfer me. I am in the process of working with a bank to purchase a home and the impact of this score has been detrimental to me due to needing to have this corrected quickly. I need them to immediately correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My complaint is against Barclays Bank account # # XXXX, date openXX/XX/2018, status open. I open an account with the mentioned company on XX/XX/2018 for some XXXX items and the card has a credit limit of {$2500.00}. On XX/XX/XXXX I had a balance of {$1700.00} on XX/XX/XXXX I had a balance of {$1700.00}, on XX/XX/XXXX I made a payment of {$1000.00} leaving a balance of {$790.00}, on XX/XX/XXXX a had a balance of {$820.00}, on XX/XX/XXXX I made a payment of {$820.00} leaving account in {$0.00} balance, not even imagining that Barclays Bank was going to report to credit bureaus a late payment for the amount of {$27.00} on XX/XX/XXXX of 2018. There was also no notice that I'd be reported to credit bureau or anything, just what seemed like 3 silent months of late fees racked on while I sat around thinking balance was {$0.00} the whole time. Just the fact that I was not notice of late payment insertion to credit bureaus is a violation to the California Reporting Act. Any reasonable business would not report a late payment of {$27.00} ( which I had no idea they even existed ) knowing that I have a {$2500.00} limit credit card in {$0.00} balance. Do you really think that I wouldnt have paid those {$27.00} knowing that I had to? This is business/tort and unfair business practice and I want my financial freedom back and Im not planning to be tied up because of a banks mistake. I do not have any other complaint against Barclays Bank and would like to continue making business with them, all I want is to remove that late payment which should not be there in the first place. Im attaching a copy of my account in my XX/XX/XXXX report so Barclays bank can see their mistake and fix it as soon as possible. I have a {$300000.00} home loan pending for this mistake so please lets avoid legal actions here. I would also like to be provided with a deletion letter from Barclayss bank through CFPB portal. Im also attaching an unfiled SC-100 that I will file in the event that negative mark remains in my reports. Thank you!

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 2019-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have been paying a student loan to Navient for some years. A couple months ago the payment amount auto drafted from my account went from XXXX to XXXX without notice. I called and was told that the loan repayment plan had expired, and the payment would soon go to XXXX. I told them I could pay the XXXX but not the XXXX and was told they payment would be XXXX. The XXXX was drawn from my account for XXXX and XXXX. In XXXX I saw in my bank account they were deducting XXXX. I called again and was told there was no agreement to change the payment and it would be XXXX now. After being on the phone for some time I was told they would put my loan on hold until XXXX and send me an income sensitive repayment form to complete. On XX/XX/XXXX I received another email to my account saying the payment would XXXX due XX/XX/XXXX. On XX/XX/XXXX I received another email saying the payment would be XXXX due XX/XX/XXXX. I submitted the income sensitive repayment form on XX/XX/XXXX. On XX/XX/XXXX I receive notice that my account was past due XXXX and I needed to pay XXXX and XXXX payment of XXXX. There is no way to plan finances when Navient changes my payments without notice. I want to pay my loan back but can not manage when they change my payments over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
company contacted me threating me telling me why I couldn't pay them right now as I told her over 6 times in a row my father died and do not have any money due to funeral cost she still was very rude and started telling me why would I want to hurt my credit like I was a XXXX kid I tried telling her I will try my best to make a payment as soon as I could she still nagging me well pay something right now with a debit card and we will save it for future payments I told her I was considering bankruptcy she then stated why would u do that I told her cause I cant afford to pay my bills at this time to due family issues then she got mad and I hung up she just threaten me the entire call this was in 2018 and balance is not accurate to me adding charges that are out of my means of monies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
I had my credit pulled by another mortgage company on XXXX XXXX and today XXXX XXXX at XXXX I got a call from AmeriSave Mortgage Corporation, NMLS ID # XXXX, ( XXXX ) ; Corporate Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX, GA XXXX. I was talking to a lady named XXXX. She said that since my credit got pulled for a home loan, that the credit bureaus sent her the information to let her Mortgage corporation know that I was shopping for a mortgage. I don't want the credit company 's selling my information. They knew my first and last name, birthdate, phone number, and home address. I asked the lady for her NMLS number and she said she did not have one. I asked for her company 's NMLS number and she said she did not know. She also would not give me her last name. The credit company 's should not be allowed to send my information out to the highest bidder. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: VW Credit
State: CA

Complaint narrative:
VW credit changed the amount owed on a charge off on my credit report. I filed a dispute for incorrect information and they just changed the balance and put it in my credit report. I traded in my car and it shows that the car was repo and I have had this on my credit. It is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
XX/XX/2019 Carrington Mortgage Company increased my payments {$1100.00}. 
I do not understand because my pays are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
My father had a checking account at Old National Bank. He passed away unexpectedly on XX/XX/2019. The bank was aware of his death on or around XX/XX/2019. On XX/XX/2019 I went to the Branch location in XXXX, MN and spoke with a senior branch employee and requested the account be frozen immediately and that no transcation be processed on the account. My dad was receiving social security and a pension from XXXX. The payments for XXXX were going to be deposited but would be clawed back due to the date of death and timing of when automatic payments are deposited into the account. I told the bank that money was not be used and would need to be returned. I was called the following day and assured the account was placed on hold and no transactions would be processed. On XX/XX/2019 and XX/XX/2019 the bank took the funds from the checking account and applied to ( 1 ) an unsecured LOC at the Old National and ( 2 ) a mortgage and LOC at Old National Bank secured with my father 's home. Their are now insufficent funds in the account to repay the MSRS and I am being asked to repay this money. The banks actions were very deceptive and caused me and my Dad 's estate significant harm. Had they told me they would process payments to themselves, I would have immediatly opened a probate and taken possession of the assets. I relied on their statements to my detriment and now being asked to payback funds that were not my Dad 's and I do not beleive the bank had a right to take. There are priority debts that need to be paid out of the estate. These mortgages although still due are not priority. In addition, there is a co-borrower on the loans who is still responsible to pay the debt. The bank did not attempt to collect from the co-borrower before taking funds out the bank account that is now property of his estate. I have asked the bank to reverse these transactions and they refuse. In addition, to these transactions they also processsed other ACH payments out of the account after the bank was notified of his death and I was assured the account was frozen. I feel as though the bank acted for their benefit while being Unfair and Deceptive. I relied on their assurance and have been harmed both financially and emotionally due to the stress and circumstances of this situation. I took every action I could up front to avoid this from happening and the bank did not honor my requests in order to exploit my deceased father 's bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-26 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: LA

Complaint narrative:
My XXXX Account for was included in my bankruptcy. They state that my bankruptcy was not discharged nor open which is false. It was discharged on XX/XX/16. Furthermore, they insist to keep the account open and reporting my ALLEGED DEBT as a charge off for several months, a little over a year, even though my account had been closed previously on my Transunion report. I've reached out to them on several occasions to no avail and they are negatively affecting my Transunion 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 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Hye, I have credit card with Navy Federal Credit Union. 
I traveled with my family to XXXX Tx and stayed at XXXX. I tired to extend the night stay through XXXX and paid from my Navy Federal Credit Union card. My payments was deducted but got no confirmation or notice from XXXX. After waiting for 30 minutes I contacted hotel XXXX. The staff on duty told me there was no booking reflecting into the system. I also called XXXX and they also told me to contact hotel staff as they have no information. However if we want to extend the stay we need to pay more for other hotel options, which I disagreed. 
In morning we checked out the hotel while payment was deducted from my card. I disputed this transaction as we didn't stay at hotel and still charged for this. Now after dispute Navy Federal Credit Union is asking fro invoice and other proof which I told them I never got and after paying for extended night it doesn't make any sense that we didn't stay at hotel. Navy Federal Credit Union is not resolving my issue and I told them its all fake and I need my money back which they are not trying to settle down. Please get me my money as its a good amount for me paid for what not consumed at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
First time they contacted BY E-MAIL was XX/XX/XXXX and the -mail they had contacted me through is one my mother uses that's in my name. I don't know how they even got that one. 

The e-mail had been hacked a month ago and now here it is personal info was on that e-mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband and I went through severe financial hardship over the years. He went through XXXX XXXX, lost his business, rebuilt it then went through an embezzlement by his partner. I lost my job, was on XXXX, still XXXX but working to make ends meet.We were not able to make payments. When I tried to make a large payment to catch up the lender said the whole back payments and penalties and fees need to be paid also. I asked for a loan modification and they denied it saying the reason is showed ability to pay When I asked my single point of contact what that meant she was not able to tell me. She said she would contact underwriting and clarify and get back to me and didnt. I also tried to appeal the modification denial but was denied again. Still with no reason The name on the loan is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 opened home refi with B of A XXXX XXXX loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca I proved ALL information that was asked for. My credit was ran and appraisal ordered. I paid {$540.00} for appraisal. 
On XX/XX/2019 I went to bank to drop off a disclosure that was already signed but not dated. At that time I was told by XXXX my loan was canceled due to NOT receiving a reaffirmation letter from XXXX XXXX from our bankruptcy from 10 years ago.

1. AT no time did B of A ask me for this letter.

2. After calling my BK attorney and XXXX XXXX I was told this letter was NOT used in XXXX and there was NO way to get it because I can't generate something from 10 years ago. XXXX XXXX told me they would give B of A verification that all my payments were made on time ( never a later payment ).

3. B of A told me they could not payoff a loan that was not on my credit report and there for MUST have this reaffirmation letter.

4. I want to be refunded my appraisal fee of {$540.00}. 
I think B of A is NOT following proper mortgage laws because to date I have not received anything from B of A telling me why my loan was canceled. I think B of A should NOT have started my loan because XXXX saw my credit report upfront and I told him about the BK from 10 years ago. If B of A wants to require a form that does is NOT used in XXXX then they should NOT take these XXXX loans. 
I talked to Mortgage manager XXXX XXXX XXXX XXXXon XX/XX/XXXX asking for refund for appraisal he told me he would ask his boss and call me back NO later then 72 hrs. I waited a week and no replay. I sent him email yesterday still no reply. Thank you

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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I do have credit cards. 
I do have credit cards with Comenity bank. 
i recently changed phones/phone carriers which made all my blocked numbers go away. 
Suddenly I am receiving multiple phone calls from this number for a XXXX. 

I am not XXXX. However when I call in they use it as a way to get to me. When I say my name is XXXX, they say ... oh well we have to read you this stuff ... Well how can we know its XXXX XXXX unless we record you and you verify? 

I never said I was XXXX XXXX. 

It was the bait and switch tactic. I am tired of companies doing stuff like this. Its unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX confirmed a {$11000.00} overdue balance ( >120days ) from a Bank of America card fraudulently in my name. This has massive affected my credit and inability to open a new XXXX premier international credit card. I have NEVER done any business with Bank of America. Never visited any BOA branch, opened a BOA credit card, BOA debit card, or BOA bank account. I received a letter several months ago from BOA about an outstanding account. I called them to refute, spoke to a verified representative who said I did NOT have an account with them and to disregard the letter. This is Fraud, clearly. This is extremely distressing. The only banks I have used in the past few years are XXXX, XXXX, XXXX online, and recently XXXX. I do a lot online so assume someone stole my identity. I have no outstanding debts, no loans, no mortgages, and all credit cards on auto debit. I would not have defaulted on any payments. I know nothing about Bank of America and need this wiped from my credit immediately. I have also reported this to my brother, who is a business lawyer. XXXX said the last four digits of the account # is : XXXX. I have no other information since I never dealt with Bank of America.

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 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I got a call from XXXX. 
They told me they had my Citi Platinum card debt, and confirmed the last four numbers of my SSN. 
I told them I had no Citi Platinum Card, and that my current Citi Credit Card account was in good standing. 
She replied with, " did you lose your job in 2014? '' and " are you flat out denying that this credit is yours? '' I asked her for further identification and documentation -- she said I had already been provided with it. 
She said they were " coming after me for {$48000.00}. Good Luck with that! '' and she hung up the phone. 

I tried to call them back, and the number is " not in service. ''

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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
A number that appears as " XXXX '' on my caller ID calls my office from XXXX to XXXX every day, 6-8 times daily. XXXX says its Synchrony Bank. This number claims to be needing to discuss a personal matter with me. After repeatedly telling them to not contact me on a business line, if its a legitimate issue, they still continue to call repeatedly. 

Attached are a couple of screenshots of calls in the last day.

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 2019-07-26 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: NC

Complaint narrative:
XXXX XXXX pulled my Equifax report on XX/XX/2017. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: Lendmark Financial Services
State: NC

Complaint narrative:
Lendmark pulled my XXXX report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. XXXX was provided a copy of the letter after 30 days went by and the inquiry not being removed. XXXX stated Lendmark did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.

Company response to consumer: Closed with explanation