vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: AZ

Complaint narrative:
I have been getting charged various amounts on my account. When speaking to the reps in the XXXX Arizona office, they ridicule me, they have cursed me, they have submitted unauthorized payments and hung up on me. When I asked for a copy of the phone recording the supervisor told me " you ai n't getting XXXX ''. I have started recording the calls myself. The other office locations are okay. But I am not able to get anyone to break down the charges other than the late fees and interest. Even the dollar amount on the interest is questionable. The interest is daily, but when I am late it looks as though I am being charged triple the interest.

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 2017-04-16 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA
State: TN

Complaint narrative:
Original loan was created by us Dept of Education on XX/XX/XXXX. I filed for Chapter XX/XX/XXXX. At some point during the Chapter XXXX my loan was transferred to Fedloan Servicing. My Chapter XXXX was fully discharged XX/XX/XXXX with all debts satisfied. Fedloan shows that I owe them {$870.00} on the loan and the court shows paid in full. Payments from the court were paid to US Dept of Education. When I spoke with a rep from Fedloan Servicing, I was informed that it was not their fault the payments were sent to US Dept of Education and they were not recovered to them and it was not their responsibility to research this matter and that I pay it or it will go into default. My credit report shows the original loan from US Dept of Education was rendered and that it is closed. Fedloan Servicing shows the original loan amount and dates as US Dept of Education but the account is past due. I have disputed this with the credit bureaus with no success. This is also preventing me from rebuilding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The credit agency Portfolio Recovery Associates after several request have not verified this account to me. I speak to them on the phone and they have no information they stated for me to speak to their attorneys. If they have no information on me then how are they reporting and verifying it to the credit reporting agencies? The credit reporting agencies claimed they investigated and the account is verified. I have no knowledge of this account and they can not and will not properly verify this account as belonging to me with a signed authorization of me acquiring this account. They have also brought a false Judgment against me for this account that I have no knowledge about. Please assist me. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a 0 % interest offer from Citibank, for which I paid a 5 % upfront fee. They then charged me interest on their annual membership fee ( {$0.00} " minimum interest charge '' in XX/XX/XXXX and {$1.00} " interest charged to standard purchase '' in XX/XX/XXXX ) despite the fact that I paid more than the annual membership fee balance by the due date the next month. They said that because I had a " rotating balance '' they charge interest on " new purchases '' from the date of purchase until it is paid off. 

This does n't seem right to me, since if I had a XXXX balance with them, and paid off my balance within one month, they would n't charge me any interest. It 's only because I had a " zero interest '' balance with them that they charged me. That does n't sound like zero interest to me. I do n't think they should be allowed to do this. 

I realize that in the scheme of things, this is a very small matter and amount, however, if they do this to hundreds of thousands of people, the amounts can add up quickly for the bank. This should not be allowed.

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 2017-04-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo, who oversees Dillard Credit Cards, regarding lowering my 23.49 % interest rate. XXXX, the rep I spoke with, informed me I could apply for " another '' Dillards credit card with a lower interest rate ; however I would not be able to transfer my existing balance to the new card. I feel this rate is excessive. I have a good credit score, been a loyal customer for 20+ years and feel I am being taken advantage of.

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 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I applied for a vehicle loan and was told that I had a repo from new city funding. I have never had a loan through them, so I checked my credit report and did n't see it, finally I found it. Only listed on XXXX of the credit agencies. Somehow I was added to a loan in my fathers name fraudulently, most likely though the dealership he purchased it from ( which is no longer in business they were shut down due to fraud ) they had my information because I almost bought a truck from them. ( XXXX in XXXX ny ). On XXXX 's credit report for me it shows it was updated in XX/XX/2017 with the creditor new city funding stating the amount owed on the loan is {$6700.00}. I reached out to new city funding in hopes to get this removed off my credit report by just settling the debt for my father. I offered them {$4000.00}. they replied back and said the total amount owed was {$11000.00}. Which is not the amount owed. It also states on my credit report that the original amount was {$8000.00}. They have recovered the vehicle and sold it at auction. So with that the debt would go down. No way the debt is {$3300.00} higher than the original amount. I called them out on this with photos of the credit report, now they refuse to reply to me through email. I wanted to talk to them through email so that I had my own record of everything they said. This company is trying to take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My mortgage started since XX/XX/XXXX and I have always paid for all Property taxes and Insurance Directly ( No Escrow Account ). Now, in XX/XX/XXXX, I paid for the majority of the Property Taxes, but after I paid then the Mortgage Company ( Ditech Financial LLC ) paid again creating Tax Over Payments. Now Ditech Financial wants me to pay them escrow for {$10000.00} and I only owe taxes for {$2000.00}. I have requested the County Tax Offices to reimburse the tax overpayments, but it takes almost 60 days for them to reimburse. Ditech was informed of this time requirement, but Ditech has placed my account as past due, have charged late fees as well as reporting credit non-compliance to credit bureaus. I have continued paying my regular payment ever since the mortgage started on time, but Ditech has placed these funds as " Funds in Suspense '' without considering them as payments.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
In the beginning of XXXX I reviewed a copy of my credit report and found that National Credit Systems was reporting information on my credit report that I was unaware of. On XXXX XXXX, 2016 I mailed them a letter requesting validation of both of the accounts they were reporting. They only responded to one of the accounts and the other account they sent a letter but were only trying to get me to pay something they refused to validate. They did n't reference the original creditor or their contact information either in their response. I specifically requested a copy of the signed contract along with a break down of the amounts they were stating I owed. I ca n't understand how or why I could owe anything especially 2 different amounts. I know I put a deposit down on the apartment complex they are claiming I owe for and they do n't show any records of that. Instead they show me owing a balance of {$1000.00} then a second fee of {$2100.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
IQ Data International is reporting an account on behalf of XXXX in XXXX Georgia that was discharged in my bankruptcy ( File # XXXX ) that was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. I never received any correspondence from this company and noticed it listed on my XXXX credit report when I pulled my file on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have several ( XXXX ) inquiries on my account that are unauthorized and the credit bureaus will not delete inquiries

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion are REFUSING to re-report a credit card that was removed in error from my credit report. My bank ( XXXX ) has made repeated attempts to have this credit card re-reported by Transunion, however, they are refusing to re-add the account. XXXX has called Transunion to discuss this problem but Transunion are still refusing to add the account in question. The removal of this account from my Transunion credit report has resulted in my credit score dropping from XXXX down to XXXX. This low score has resulted in my application for loans and credit cards to be denied. If this issue is not rectified I will be seeking legal advise and pursuing damages against Transunion.

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 2017-04-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX, NJ XXXX XX/XX/2017 CapitalOne Credit capitalone.com XXXX Re : Blocked Use of Credit Card Dear Sirs, I was embarrassed twice in past three days when card was denied at XXXX and at XXXX. Checked balance before I left house and had {$110.00} available. Charges were {$81.00} and {$71.00} respectively at those XXXX locations. 
WHY are you blocking use of my card? I want hear from you reasons and when it will be ok to use. Last time spoke to customer service representative, told him card was ok and was NOT to be blocked. Only needed refund of charges from company I complained about. 
If he went ahead and blocked it, he did wrong!! Without my approval and authorization. 

Thank You. 
XXXX Called XXXX @ XXXX and got XXXX, who hung up on me in middle of conversation. Called back and got XXXX. Told her to get me Supervisor. He was unable to help me either. System was down and was n't expected back for several hours. PLUS, he said they were unable to call out or email out or txt out from his office. Told him that was ludicrous. Also said if I called back and could not get satisfactory explanation why card declined at XXXX and XXXX visits would forward complaint to BBB, FTC, NJ Attorney General Office and any one else I thought could tweak CapiatlOne. 
CapitalOne did not send me email, txt or call me explaining reason for blocking my charges at these stores. I have been getting my usual monthly txts with amount of balance on account and have not gotten any others for several months. Upset with CapitalOne and expect some explanations. Guess you will have to send me a letter in response to this letter since customer service cant do any outgoing contacts. 
. 
XX/XX/2017 XXXX Calling back today. Spoke to XXXX. 
My account was blocked. Whomever did it should be reprimanded. I DID NOT ask for that. The last time I spoke to Customer Service was about 5-6 weeks ago and I emphatically told that gentleman NOT TO BLOCK MY ACCOUNT OR CARD. I knew who used my card and was only requesting that charge be reversed. There was NO FRAUD involved. If he did what I asked them things would be ok. He kept pushing me to block and cancel the card. I did not appreciate that and told him so. Leave things just as they were and ONLY reverse the charge I complained about. 
You should be able to track that call and who I spoke to. Calls are recorded, right? 

Sending this out XX/XX/2017 XXXX. Took extra time to think on it and still want to complain andmake sure senior management is aware of what happened. Also, they need to fix my not being able to send letters to web site and allow supervisors to call out to customers. 

Thank You. 
XXXX Cc. : BBB FTC NJ Attotnry General, Dept of Consumer Affairs

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was misled into thinking that I could have a XXXX alternative from XXXX in XXXX GA. They set me up with a Comenity Bank account for a debt of over {$5500.00}. After XXXX weeks I let XXXX know that I had zero results. They had me wait until a full 3 months had passed to see me, all the while I was making payments to the account. 

After 12 weeks XXXX got me in, took my XXXX, and took after pictures. I almost cried, I had gained XXXX and there were no differences in my pictures. I was clearly upset with the results and wanted to speak to someone. The nurse said she was sorry, suggested some natural ideas help with XXXX and said a manager would call me. 

Once I finally heard from a manager they tried to sell me on a second round of the procedure for another $ XXXX. I refused and contacted Comenity Bank for help. 

The service from XXXX was fraud. The pictures on the sales ads were deceptive, and it should be illegal to take advantage of consumers like this. They advertise XXXX alternative and show unrealistic before and after pictures. I had zero results and informed the company after 4 weeks to let them know. 

After I filed the dispute, Comenity Bank instructed me to work my issues out with XXXX. I contacted the XXXX corporate office and was told they would offer me a credit and that a manager in GA would reach out to me. 

The manager in Georgia did reach out to me. She agreed that the service was NOT successful and offered me a store credit for future services of {$2800.00}, still wanting me to pay Comenity $ XXXX. I refused this offer and went back to Comenity bank to let them know we could not resolve this ourselves. 

I was told by the XXXX customer service that the dispute would be refiled on XX/XX/2017. I have written on the company XXXX and client portal for updates and help with no reply other than call customer service. Today I called customer service and they said they had no record of me contacting XXXX to resolve and thought they had sent a letter to inform me. The rep said she was n't sure why the letter was n't mailed and would reopen the case. 

I feel like I am getting the run around from the bank and have definitely been scammed by XXXX. PLEASE HELP ME! I have two other accounts with Comenity funded ( XXXX and XXXX ) that are paid on time and XXXX is actually paid in full. 

I have no problem paying my bills but do have a problem being taken advantage of. 
When I complained on the Comenity XXXX page a consumer referred me to contact your site for help. I hope that you can help me and shut companies like this down. I wish I would have done more research before using XXXX. I see that many thousands of other people are going through this too. 

Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Fairway Independent Mortgage Corporation
State: CO

Complaint narrative:
I applied for a home mortgage and everything was approved so we started looking at houses. We put in one offer but wasnt accepted. We found another house and went to put in a offer on it and i was told by my mortgage company that they lost the approval and could not get it back. Thdey told me they dont know what happened and could not figure it out. I have been waiting 2 days to hear from them and have not heard anything from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: WA

Complaint narrative:
This is a second complaint against Sallie Mae. They lowered my monthly payment for one month, and than decidely increased again the next. It was XXXX in XX/XX/XXXX, and now in XX/XX/XXXX it is XXXX. They also removed all my online documents without approval between those months. They have increased my interest rates without approval, and I was suposed to have a fixed rate. And they have also not cleared up their previous errors nor removed their reporting to the credit agencies of their error so my credit report is a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I deposited XXXX checks in an ATM in XXXX, New Jersey, for the amount of {$600.00}. The ATM had a malfunction which caused them to be not recognized. I informed bank branch personnel about the problem. They entered the amount in the account and said there would be no problem. The bank provided provisional credit but then reversed without informing me. This caused an overdraft that should not have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/2016, an i.d . holder I use for my ATM card and my public benefits card was lost or stolen. Unfortunately it also contained a post-it note with my PIN number on it. I did not realize at first that it was gone. It was only after the bank sent me a letter about a deposit I had not made that I realized I had lost them or they had been stolen. I went to the bank to dispute the charges, but I only speak Spanish and it was difficult to communicate with them. Later, a lawyer who is a friend of the family helped write a letter to the Citibank Fraud Dept. for me, but he is a criminal lawyer and could only give me limited assistance. The Bank said they did an investigation and denied my complaint. They said the activity on my account was normal and the amounts were in range, there was no indication of a suspicious use of the card, that the questionnaire I completed was inconsistent ( probably because I do not speak English ), and that the audit was not consistent with a skimmed card. This investigation was not proper because the conclusions do not agree with the documents. The activity was not normal. I deposit money from the same source every month and make withdrawals in small amounts. During the weeks in question, checks for XXXX were deposited in my account and withdrawals for XXXX were made. I got copies of the checks, and it is obvious that the identity thief forged my name. I filed a complaint with the police and they are investigating. I never said the card was skimmed. I said my ATM card was lost or stolen. There is no way that I would have forged checks and deposited them to my own account when I just would have had to pay the money back myself after the checks were no good. I work hard as a home attendant and my daughter is XXXX. The only income I receive are payments from my employment and my daughter 's XXXX check. Several of the checks deposited were drawn on a Construction company account. I have never worked in construction. It makes no sense. I have several accounts with the bank. The one with the fraud is the one I use to deposit my daughter 's checks. They have frozen the one where I deposit my work checks. They say I owe them {$11000.00} because of these fraudulent checks. But I never made the deposits or the withdrawals.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint with Experian. I have been disputing incorrect information on my credit report. They sent back a report showing that all information was verified. Based on the FCRA an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature showing was supposed to had been received. I have received no such information from Experian. All they said was the information has verified. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required to promptly delete all information which can not be verified.

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