vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
First of all I will admit I overdrew my checking account because of an emergency XX/XX/2018. It was my payday and that morning I withdrew XXXX dollars from the atm on the corner of XXXX XXXX   and XXXX XXXX XXXX in XXXX  ohio. I had to automatic payents for XXXX and XXXX dollars and than I made a purchase at XXXX  and for XXXX dollars and a purchase of XXXX at XXXX XXXX. this was all done before XXXX XXXX. Later on that day I made a purchase for XXXX at XXXX  due to an emergency which I admit overdrew my account by about XXXX. The emergency XXXX purchase was the last time I used my account. I checked my account the morning of XXXX  XX/XX/2018 and I had four overdraft charges and the XXXX dollar transaction was still pending. I immediately called pnc to file a complaint about this. On XX/XX/2018 the transaction for XXXX that caused the XXXX overdraft cleared and I was charged another overdraft fee. So one XXXX dollar overdraft has now cost me five XXXX dollar overdraft fees totaling XXXX dollars and one continuous overdraft fee of XXXX dollars for a total of XXXX   dollars in fees and counting. On XXXX XX/XX/2018 I received a call from XXXX XXXX which I missed who is from pnc 's fee escalation center, yes they have a special department to deal with their escessive fees. I called the number and was connected to mr.XXXX XXXX and when I asked for XXXX  he said she was not available and he would be able to assist me. I explained the problem to him and he informed me the the fees where charged correctly and what had happened is that they had spread the overdraft out over FOUR TRANSACTIONS TO COVER IT. I said that is not how banking works in this country and informed him that I would be filing a complaint with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: NJ

Complaint narrative:
I received information from my employer today, XX/XX/18, regarding a wage garnishment from a collection agency, XXXX XXXX XXXX, on behalf of Department of Education. However, I have received no correspondence from this company until the wage garnishment notice my employer forwarded to me. I had previously requested a deferment for my student loans due to prolonged unemployment and only returned to work full-time 3 months ago and have made 2 monthly payments towards my loan, which were sent directly from my bank using online bill pay feature.

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 2018-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: GA

Complaint narrative:
My information was stolen last year around XX/XX/2017. Money was taken from my account several Charges were made. I had almost XXXX in my savings account. It is now XXXX. I have contacted merchants and my bank for help but no one has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX  I refinance a home mortgage with Chase Bank for a better interest rate. This refinance was from a Chase loan to a new Chase loan. Chase never filed a lien release for the original mortgage. Today I am trying to schedule a closing for the sale of my house and am unable to get a closing scheduled because Chase has not provided the lien release.

For close to a month I have been asking for this to be resolved and have gotten nowhere. My real estate attorney even provided the bank with a title search to get this done. The title search was just completed but Chase replied that it was too old.

Each time I call I am told they have no further information and then am told they will know in 24 to 48 hours, three to five days, 5 to seven days. ( It varies depending upon to who I have spoken to. ) I was promised a Paid in Full letter and a confirmation that the bank will complete the discharge and file it with the county but never received it.

I am now seriously concerned as the buyers have threatened to walk away from the deal and I seem to have no way of getting this resolved. It frustrates me that due to something that Chase should have done years ago that I am now put into this position

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2018 my checking account was hacked in amount of {$440.00}. 00 and credit card was hacked in amount of {$500.00} by someone using XXXX App. 53rd Bank Fraud Department alerted me. Filed a verbal claim at that time. Went to bank an put a stop on both accounts. Fraud Department denied my claim said it was my fault. So I filed a dispute an they denied it. Saying they could not determine I didn't give the hacker my account information. My next action law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
I have a collector who is constantly calling, and is insisting that I owe for an account which has been paid from Financial Aid ( FAFSA )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested and reached out to your company on several occasions about accounts reporting on my credit file. These accounts are not accurate and or not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: TX

Complaint narrative:
I have requested and reached out to your company on several occasions about accounts reporting on my credit file. These accounts are not accurate and or not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX I am written on behalf of my student loan that I filed bankruptcy on in XXXX due to unduly hardship I had not worked three years prior to filing bankrupt nor worked a year half proceeding bankruptcy. My student loan was not under Navient at the time it was in a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX. In which I filed. 
Since filing bankruptcy, Navient has pulled it out bankruptcy reissuing the loan a new account number making it appear as if it was not included in the bankruptcy because the account numbers do not match the previous collection agency number. My issue and concern is I filed bankruptcy on this loan several years ago and I will like this account to be closed and removed from my credit report. 
I have attempted several times to inform Navient about this account however, they continue to tell me the account numbers are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: TN

Complaint narrative:
List of things I see wrong on my CR from Transunion name is not XXXX XXXX XXXX not employed at XXXX XXXX as a XXXX XXXX XXXX XXXX ( not an existing job title ) XXXX XXXX XXXX ( XXXX ) automotive showing Maximum Delinquency of 30 days in XX/XX/2013, according to information under public records ( chapter bankruptcy discharged ) date filed is XX/XX/2013 * Called XXXX County Bankruptcy division to ask has my personal information been reviewed for others to see they said they do not provide that information to anyone also why XXXX is view on my report ( Transunion ) and the other creditors are not list for viewing, this was placed under my bankruptcy and is showing 2 type of accounts, the.

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 2018-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hypotec Inc.
State: CA

Complaint narrative:
Transparency in their Marketing Material - Bait & Switch. 

Sent me a piece of mail on XX/XX/XXXX with the caption - Escrow Refund Benefit Allotment Notice. 

I assumed my escrow had extra funds in it and i was going to get a check back from them. It tells me about " Your Economic Benefit '' and that this is a VA-1211 Benefit Allotment Notice. 

It tells me that my new payment has been calculated to {$1300.00} and that i needed to call them to reserve this figure. 

Then in big black letters it tells me i have an " EST. ESCROW REFUND AMOUNT : {$3200.00} ''. 

So i call the number to see what's up, no one picks up - so i hang up and within 30s i get a text from a guy named XXXX XXXX NMLS 237073 ( only reason i know this is because he took a picture of his business card and texted it to me ).

While i was reading his text, i look back over the mailer because something didn't seem right and started reading the super small fine print, which was a whole 3 lines ... and it tells me that they this is not a refund of any sort, but that they would  change my loan to a 2.75 % 3 year ARM ... XXXX would i want an Adjustable loan? I have a 25yr Fixed rate loan at 4.25 % ... and XXXX would they tell me I have an Refund but then turn around and try to refinance me? 

Companies like this who blatantly target veterans should be taken out back and put down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank incorrectly reported a 120 day late payment on my credit report. I disputed the error. Citi Bank sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, Citi continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.

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 2018-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
showing late which it shouldn't be showing late payments for the account number listed below. Transunion haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 

XXXX XXXXXXXX XXXX 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 2018-09-26 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: Financial Recovery Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXXXXXX XXXX/ XXXX  an identity theft letter from Federal Trade Commission stating I was a victim of identity theft and for them to take action in removing the charges and negative work on my credit file.The company sent me a letter back stating they denial my claim because payments were made on this account from the time the account was opened on XX/XX/XXXX up until XX/XX/XXXX, so they claim I am liable for the remaining charge of {$480.00}. Also, the company move my account to Financial Recovery Inc., who is now serving this account. I did not make those payments and further investigation need to be made with this claim. During the time this account was open and the payments were being made, I was a XXXX XXXX XXXX in XXXX, Alabama and I did not have a job or no source of income to make those payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
showing late which it shouldn't be showing late payments for the account number listed below. Equifax haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
showing late which it shouldn't be showing late payments for the account number listed below. Experian haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 


XXXX XXXX XXXX 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 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
for the past 4 months this caller has been calling me to collect a debt, we agreed upon a monthly payment plan and i have continued to do so. This caller keeps harassing me during work hours and at nights requesting that the debt be paid in full. I received a letter from them and agreed with the written monthly repayment plan, i shouldn't continuously be called and harassed to make a payment in full when i am on a balance repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: WY

Complaint narrative:
Company states fake phone numbers are " purchased '' by the company, yet they are owned by people not associated with the company. It is called XXXX search. Easy to find out who owns the phone numbers and easy to find out when the phone number is called back that it does not belong to SIMM Associates. I DO NOT ANSWER CALLS FROM NUMBERS I DO NOT KNOW. THIS HARASSMENT HAS BEEN TAKING PLACE FOR SEVERAL MONTHS. Caller ID spoofing is ILLEGAL. Company also states I will no longer receive calls from them yet I have received 3 from them AS OF XX/XX/2018 still using FAKE local numbers, leaving NO MESSAGE. I NEVER SAID I WANTED A CALL BACK FROM THE COMPANY. SIMM ASSOCIATES IS A SCAM. I have NO BUSINESS with this " company '' nor will I EVER give any money to a company that illegally hides their caller ID information behind fake local numbers not owned by the company. SIMM Associates is a fraud. CFPB closed my previous complaint without a response from me to the company. Not happy about CFPB actions either with regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting erroneously on Experian, XXXX and XXXX   credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( experian has this correct ) but XXXX was 60 days late, XX/XX/XXXX 90 days late and then closed XX/XX/XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XX/XX/XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXXXXXX XXXX  should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.

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 2018-09-26 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: TX

Complaint narrative:
XXXXXXXX XXXX incorrectly reported a 120 day late payment on my credit report. I disputed the error. XXXXXXXX XXXX sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, XXXX continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.

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 2018-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX incorrectly reported a 120 day late payment on my credit report. I disputed the error. XXXXXXXX XXXX sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, XXXX continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of a phishing scam as a XXXX at XXXX XXXX. Received a message at the email address given to me by XXXX XXXX of a job offer from a supposed Professor of XXXX XXXX XXXX XXXX as a XXXX. The job said all I had to do was XXXX XXXX, XXXX XXXX and make some purchases that he would pay for by sending me echecks through email that I would print out and deposit in my account since he couldnt do it himself for being out of XXXX until school began. On XX/XX/18 I began by purchading a printer, business check paper to print checks of up to XXXX $ each. He sent three checks on that day and I purchased 7 XXXX gift cards he said XXXX XXXX XXXX   used to purchase an app with programs that mentally disabled students enjoyed and one of the checks was supposedly to cover my pay of XXXX $ a week and the cost of the other purchases. Only one check cleared that day and I got skeptical so when he asked me to buy more cards, I hesitated and told him I would wait till checks cleared if at all. It took two days for the other two to clear and that only made me believe the job was legitimate. The next day I was skeptical still and called Chase bank to ok some high amount purchases for the gift cards. They had emailed me to check if I made the transactions and I asked if the checks I deposited were real or if they were fake and could bounce but the funds cleared and I thought the checks were legit. U called school to check is the professor and job were real on Friday XX/XX/18 but it is closed on Fridays for summer so I continued depositing checks for more cards for a total of 9 checks until the next day Saturday when I quit the job. Four days later on Wed XX/XX/XXXX all the checks had bounced as fictitious and my account went from XXXX $ to XXXX $ cause Chase appropriated my money to cover the check amounts and charged me with the remaining amount as overdrafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
Credit Management posted a Collection to my credit report the day after the balance was paid in full to the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation