vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Once again JP Morgan Chase Bank reversed charges previously posted to reflect a negative balance and then charge me {$34.00} insufficient funds fees 3 times for a total of {$100.00} On XX/XX/2019 my car insurance XXXX automatically withdrew an electronic payment from my account in the amount of {$210.00}. At the time, my checking account balance was {$1900.00} leaving a balance of {$1700.00}. On XX/XX/XXXX, my life insurance also posted an automatic payment from my account for {$80.00} leaving a balance of {$1600.00}. On XX/XX/2019 another automatic payment from XXXX XXXX XXXX in the amount of {$1500.00}, leaving a balance of {$380.00}. On XXXX XXXX XXXX XXXX  XXXX  posted a second automatic payment in error for the amount of {$1500.00}, leaving a negative balance of $ XXXX for which JP Morgan Chase is entitled to charge me an insufficient funds fee of {$34.00} and should have returned that payment. Instead JP Morgan Chase reversed the car insurance payment and the life insurance payment that I saw already posted on my account to show they came after to then justify charging me {$34.00} three times, They returned the XXXX amount and the life insurance amounts but paid the 2nd amount of XXXX XXXX XXXX posted in error. The second amount was paid to XXXX even though there was a huge negative amount of $ XXXX. I was then charged the third amount of {$34.00} for a total of {$100.00}. I contacted both the car insurance and life insurance companies to verify the dates they posted those automatic payments and they were done on the dates I stated above ( I have the documentation to prove such from both organizations ). I check my account after I make any payments and after I know payments are scheduled to come out, so I am very much on top of my balances. Chase is fraudulently charging these insufficient funds fees to customers because they count on most people not checking their balances regularly. I want those charges removed. I think a class action lawsuit should be made by the banking organization that monitors banks who commit fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Windham Professionals, Inc.
State: MI

Complaint narrative:
this is regarding an audit, I was having issues getting an audit done which im still currently working on and the company that handles it turned it to collections until we get the amount resolved. XXXX of 2019 I received notice we owed {$9300.00} and I called and told them it was not correct we had some issues to resolve. This place in turn has call my mother in laws house phone not once not twice three times since and each time has told her the we owe {$9300.00} and she needs to let us know to contact them. I understand they do call relatives in certain instances but to tell her the amount owed? That I thought was against the law. Everytime they call and she calls us to notify us they called she tells me the exact amount. I would like to know how we can handle this because I do not appreciate people/family knowing our business. I have not received any other emails for payment but the one in XXXX and yes they have called my husbands phone and i have called myself but never get to speak with her. It always has a voicemail stating email me at this email.

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 2019-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent XXXX and TransUnion a personal information update on XX/XX/2019, and they have yet to update and correct my personal information. All of my information is the same and have never been updated as requested.

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 2019-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
I am currently making payments of {$20.00} per month under the XXXX XXXX XXXX XXXX. Starting next month in XXXX my payment will increase to $ XXXX {$200.00} per month an amount that I can not afford to pay being on a fixed income. I called Great Lakes on XX/XX/XXXX around XXXX XXXX to try and get some assistance on my payment. I was told that I do not have any options and that I have to try and make the payment once it changes. I feel that Great Lakes is doing nothing to help me when financially I will be struggling to make the payment starting next month in XXXX. On XX/XX/XXXX, I filled out and faxed over the XXXX XXXX XXXX so I can begin forbearance XX/XX/XXXX and end it XX/XX/XXXX. I would still like this request to be APPROVED so that I can figure out a plan to be financially ready to make higher payments based off what I can afford. I filed a complaint against Great Lakes before last year on XX/XX/XXXX complaint ID XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I wrote a letter to TransUnion LLC on XX/XX/2019 disputing incorrect reporting about XXXX XXXX account. TransUnion then requested Proof of Address. I returned 2 forms of document showing proof of Address my driver license and a utility bill. 
On XX/XX/2019 TransUnion mailed a letter Re : Proof of Address Unacceptable-Reason # 3 ( documents provided was not a qualifying document. I am requesting help to correct this matter because TransUnion is trying to discourage me from disputing my credit report entries due to their mistake by not accepting my proof of Address. 
I also sent XXXX the same letter onXX/XX/2019 about incorrect information about my account but XXXX never responded and over 30 days have passed.

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 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
I found a collection account that has been placed on my credit from XXXX XXXX. I requested validation of the debt because I have not received any paperwork from this company. The docs the provide show me nothing, no contract showing that I signed for this services, my name is spelled wrong on the account and it only shows one month of services. I have never had XXXX XXXX XXXX as a provider, and the paperwork they provided does nothing to show that I signed for it.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have a set of 4 loans that were delinquent at one point but since have been resolved. the agencies are reporting the very old accounts, the middle accounts, and the new ones. the same set of accounts appears 12 times. the initial accounts are far too old to be on my report. they were last active in XXXX of 2012. I have disputed the age of these and they say they are valid. there cant be 4 accounts listed 3 times each. with one set of three being over 7 years old.

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 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm going through financial hardship and I recently lost my job. Prior to losing my job I was making all my payments but in the recent months Citibank allowed purchases to go through putting me {$7000.00} in additional payments required to make a minimum payment. I am a very responsible person and have had a very good history on payments but I can not afford an additional {$7000.00} of payments

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 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I called IQ Data on XX/XX/19 and spoke with XXXX and he assured me that once payment was made collection will be removed and email confirmation will be sent over confirming that debt was taken care of and removed from my credit report file. We are now on day 11 and I've been hung up on and transferred trying to retrieve/check the status of the email confirmation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital
State: TX

Complaint narrative:
Hewitt Capital LLC called my father and sister regarding a debt. They were not authorized to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: NJ

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I have reached out to the FTC and my local police. I need this items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX AUTO, XXXX   XXXX/XXXX XXXX, XXXX XXXX. lnquiries : XXXX XXXX, XXXX. Im doing this on my own behalf.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a set of 4 loans that were delinquent at one point but since have been resolved. the agencies are reporting the very old accounts, the middle accounts, and the new ones. the same set of accounts appears 12 times. the initial accounts are far too old to be on my report. they were last active in XXXX of 2012. I have disputed the age of these and they say they are valid. there cant be 4 accounts listed 3 times each. with one set of three being over 7 years old.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a set of 4 loans that were delinquent at one point but since have been resolved. the agencies are reporting the very old accounts, the middle accounts, and the new ones. the same set of accounts appears 12 times. the initial accounts are far too old to be on my report. they were last active in XXXX of 2012. I have disputed the age of these and they say they are valid. there cant be 4 accounts listed 3 times each. with one set of three being over 7 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
My XXXX son received his final compensation from XXXX XXXX, located in XXXX XXXX XXXX, California where he worked part-time while going to high school late XXXX, in the form of a COMDATA Pay Card. 

On XX/XX/XXXX, he checked his balance using an ATM machine and was charged {$3.00}, but was unable to withdraw any funds. He tried 5 different machines on the same day and each time was charged either {$3.00} or {$3.00} for the balance inquiry ( for a total of {$20.00} ). 

He was not informed of such balance inquiry charges by his former employer or COMDATA. 

On XX/XX/XXXX, he withdrew from the card at an ATM machine and was charged {$3.00} on a {$280.00} draw. He told me about the fees and I contacted COMDATA multiple times from mid-XXXX through late XX/XX/XXXX and complained about the charges. Each time, I was told that the credit has been approved but will take 5 to 10 business days to show up on my sons account. The refund was never credited to his account.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I sent a letter to the credit bureau stating that there is incorrect information on my XXXX   XXXX XXXX account on my credit report. 

The issues are there is no DATE OF LAST ACTIVITY The account is reporting Charged off 3x on my credit report. 

I told the credit bureau to delete the account because of the incorrect information instead they credit bureau reported that the company " verified '' the account and updated the payment history with a CO " charge off '' for XX/XX/2018 2018

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 2019-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Service, Inc.
State: AR

Complaint narrative:
I have received a telephone call from Collection Service, Inc today at my job. I have asked this company numerous times before to not call my job and I have also filed a complaint about this before. They are still calling. The lady that called me today was XXXX XXXX. I have written a letter to this company stating that this debt was being reported in error and in violation of the Medical Debt Relief Act. I sent this letter XX/XX/, 2018 -- DOS was XXXX XXXX, 2018. I have a copy. They did not respond but continue to harass me at work. The proper practices and procedures are not being followed. I want the harassment to stop and the proper procedures to be followed. This debt should not be being reported on my credit and should not have been sent to collections within 6 months of service date. The original creditor is XXXX XXXX. How many times do I have to file a complaint about this same company for something to be done and the law followed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit calls numerous times each day doesn't leave message using 904 prefix phone numbers and phony names of persons.using neighbor spoofing to tactics including XXXX XXXX on caller ID when calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket mortgage will not close my refi due to my being involved in a car accident and being able to verify with my employer about missed time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
IDEAL COLLECTION SERVICES ACCT # XXXX {$2100.00} ARE REPORTING A COLLECTION ON MY CREDIT REPORT AS WELL AS MY WIFE AND DAUGHTER. I HAVE NO IDEA WHERE THIS IS FROM AND I'VE BEEN DISPUTING IT FOR A FEW MONTHS AND THE CREDIT BUREAUS KEEP SAYING IT'S VERIFIED AS MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCN Catalogue & Equipment, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I got a call from XXXX & XXXX XXXX # XXXX stating that they had a complaint from a Payday loan XXXX XXXX XXXX I explained to the Rep. that debt was placed in a bankruptcy in XXXX Rep stayed that he sees the bankruptcy riled and will no longer contact me on XX/XX/XXXX I got another call from XXXX XXXX from XXXX XXXX XXXX XXXX stating that he was calling because of the same complaint and that my bankruptcy does not cover that debt because it was a chapter XXXX  and I still owed the debt tried to explain to him that I didn't want anymore calls and stated I would file a complaint with CFPB stated that that not scaring anybody and hung up on me. Voice message calls states that they are taking me to court and garnish my tax returns

Company response to consumer: Untimely response
Consumer complaint received 2019-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
We obtained a loan with Consumer Portfolio Services through XXXX XXXX XXXX in XX/XX/2011. At the very beginning there was a foul up and after originally signing papers they had us come in and sign more because " something was wrong ''. Mistakenly I signed without reading and then was saddled with an exorbitant interest rate ( 18 % + ) and despite the fact that I was making the payments, which were now higher than originally expected, the balance was not going down. Then started a cycle of charges and being told by employees that I could not make payments through billpay ( which were free for me and posted to the company within 24 hours ), I had to go through XXXX XXXX each time ( {$12.00} charge per payment ). 

Eventually the car was repossessed and despite paying $ XXXX to the company ( original loan was less than {$25.00} ) I was sued for another XXXX and am now having my wages garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank keeps charging me overdraft fees for things that have not been paid out yet ( the charge is still pending ) They also charge me overdraft fees out of order of occurrence. They post transactions out of order, giving me a false sense of account balance. Then they retro date transactions and take their fees and throw my account into overdraft. So any transaction that I make before they take their fees is now in overdraft after they take the fee because it is retroactively dated and pushed every transaction after that back as if it weren't enough money in the account when there was at the time of transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I am attempting to sell my home and pay off my home loan with PHH Mortgage. PHH has been awful to work with. I attempted to obtain a pay off several times on their website, which does not work and I advised them it does not work. My attorney, under my authorization has contacted them several times over the previous several weeks and has been unable to obtain a pay off amount. It seems like they make the process difficult, confusing or technically difficult to avoid customers paying off. I am extremely frustrated and as you can see, my attorney is also. PLEASE HELP ME! We need my payoff statement faxed to my attorney at XXXX From : XXXX XXXX Date : Mon, XX/XX/2019 at XXXX XXXX Subject : XXXXXXX To : XXXX XXXX XXXX ; I am still waiting on the official third party payoff statement : yours was good for providing a figure, but we need the official one as a third party generated and with full remittance details. I should have had my request filled on Wednesday, or Friday, or by now this morning. I am beyond beyond frustrated with PHH and their call center. I have faxed the requests twice in XXXX, twice on XX/XX/XXXX and twice today and they refuse to acknowledge acceptance, generate a statement for me, or provide an email address so that I can ensure the faxes are getting to them. ( My fax system shows all XXXX of the requests were successfully transmitted. ) Can you call them at XXXX and ask them to fax the statement for loan nr XXXX to me at XXXX, please? I will note for my files that all PHH payoffs going forward will have to be ordered by clients. Ive spent over an hour on the phone today as well as all the transmissions and its beyond my tolerance levels. I am sure you are over it too, by now.

Company response to consumer: Closed with explanation