vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX 2017 I initiated a transfer to my checking account at XXXX XXXX XXXX in the amount of {$85.00} to bring my account to the positive as it had been overdrawn overnight. The remaining balance was made immediately available by my bank with no restrictions whatsoever so I would have been able to make an atm withdrawal or any other debit purchases successfully. 
So been a consumer and knowing that my funds are available I went ahead and made two P2P transfers of {$10.00} and {$20.00} to my other account at another bank ( XXXX XXXX XXXX ) to cover a negative balance there as well to avoid an overdraft fees. The next day day I checked both accounts and the one at XXXX XXXX XXXX was not charged any overdraft fees because of the transfer I made to it before the banking day ended. However that was not the case with Capital One. Capital one had gone ahead and charged me {$70.00} in overdraft fees for no apparent reason and thereby overdrawing my account by {$67.00}. I called to let them know that they have erroneously charged my account but they insisted the fees are valid and would not issue me any refund. I explained to them there was available funds in my account before I made the transfer and the transfer would not have been successful if there was no funds available in the account. And the fact that the negative balance of {$67.00} on the account is less than the total overdraft fees of {$70.00} proves that indeed there was at least {$33.00} in the account when I made the {$30.00} instant transfer because the transfer amount is immediately taken out of the account when you inititiate it. They had previously charged me {$100.00} in fees earlier that week although I made deposits to bring the account to positive but I decided not to fight those fees. 
However I cant let them get away with this two fees because they are not valid whatsoever and the fact that XXXX XXXX XXXX did not charge me any fees proves my point and I believe all the banks are governed by the same rules and regultions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I am currently having difficulty with Navient private loans. My co signer passed away from XXXX in XX/XX/XXXX and I have been unemployed. I never received any confirmation on adding a new co signer or help with the loan only to make payments of {$300.00} or go into default and be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I sold the property of which Ditech Financial, LLC serviced the mortgage on in XXXX XXXX 2017. The mortgage had an escrow balance due me, according to the online statement in the amount of {$1900.00}. 

Ditech said it would take 30 days to process the payment and they would mail out. 
I received no payment in XX/XX/XXXX or XX/XX/XXXX. I called back to Ditech, they said they mailed out and would put a stop payment on that draft and send out another payment and would take 10-15 business days to process. 

In XX/XX/XXXX, I still had not received the re-issued draft. Ditech confirmed my mailing address. I called Ditech again, this time they offered to wire funds and that would take 10-15 business days to process. 

As of XX/XX/2017 I have received no funds from Ditech. I called again today and they offered to reissue the draft or wire transfer which would take 10-15 business days. 

Why should I have to remind Ditech month after month to for them to send the money that belongs to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
On XXXX XXXX, 2017 I contacted Sunrise Credit Services INC in regards to an XXXX XXXX XXXX account that they were attempting to collect. I spoke with XXXX XXXX, a representative of the company, who refused to give me a employee identification number. She was attempting to collect {$2000.00} from me. I do not owe XXXX XXXX XXXX this amount of money. 

1. I asked XXXX XXXX, a representative of Sunrise Credit Services to conduct a investigation into the amount owed because it seems really expensive for 1 month of service. I told her that The Fair Credit Reporting act requires any reasonable dispute to be investigated in regards to debt collection. I wanted the amount owed verified and possibly a break down of these charges. She refused to investigate this matter, insisting the amount owed was correct and attempted to collect it via a credit or debit card. I refused to make payment until amount is verified. 

2. I never recieved a XXXX XXXX XXXX bill even tho I contacted the company numerous times stating they had the wrong address on the account. That matter was never resolved, and I never recieved a bill.

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 2017-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a result of the XXXX breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like mafia businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the XXXX  agent ( phone call today, XX/XX/17 ), if I sign up for XXXX XXXX, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX boys ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in Calif. ) and their internal policies : TransUnion says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

XXXX says that my boys have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

XXXX says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is XXXX even in business? They had one job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.

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 2017-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a result of the XXXX breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like mafia businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the XXXX  agent ( phone call today, XX/XX/17 ), if I sign up for XXXX XXXX, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX boys ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in Calif. ) and their internal policies : XXXX says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

Experian says that my boys have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

XXXX says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is XXXX even in business? They had one job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.

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 2017-10-30 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: GA

Complaint narrative:
Equifax - I provided Equifax with proof of a Tax Lien withdrawal. Equifax sent 1st notice stating that it did not exist. I again disputed the item and received a notice that it has been deleted. The item still remains and after 2 additional attempts to have the item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have a Line of Credit Chase Bank with one interest rate for several years. The interest rate was 4.75 % with a payment averaging {$350.00} per month. I have had this line for approximately 10 years. On XXXX XXXX, 2017 I received my statement for period XXXX XXXX 17 thru XXXX XXXX 17 with a payment of {$620.00} stating my interest rate is 4.5 % with a {$19.00} principal. This is HIGHLY illogical since they state my interest rate is lower but my payment almost doubles. Additionally they state {$19.00} for principal ( a charge I have NEVER had before and do not know what it is ). On the second page of the statement they state I have 5 days of billing cycle at 4.5 %, 5 days at 4.75 % and 21 days at 8.45 %. Nothing has changed in the last 10 years but suddenly they have CREATIVE FINANCING. 

On XX/XX/XXXX I called Chase at XXXX XXXX XXXX asking for an explanation. The Chase employee was rather rude to me but finally transferred me to an Escalations Manager as she did not have the answer to question. 

XXXX, the Escalations Manager at XXXX XXXX XXXX ext XXXX did not have the answer either. XXXX stated she would research the issue and get back with me within 48 hours. She did NOT. I called her on XX/XX/XXXX at XXXX XXXX PST and left a message. XXXX did not return the call. On XX/XX/XXXX XXXX XXXX PST I left another message with no reply. 

Finally Saturday morning arrives and XXXX calls me while I am eating breakfast. I advised her of this and said I would call her back. I called her on XX/XX/XXXX at XXXX XXXX PST and left a message. I called her on XX/XX/XXXX at XXXX XXXX PST and left another message. 

It seems that XXXX NEVER answers her phone and only returns calls on Saturday mornings. A date her recording states she does not work. 

To date I have not received an answer to a simple question. My payment is due XX/XX/XXXX and I need to have this resolved IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Weinman Acquisition Group
State: TX

Complaint narrative:
I had a call Weinman acquisition collection company on XX/XX/2017 about XXXX XXXX and it instructed me to push 1 and I did. A gentleman came on the phone and I listening and he told me it was a bad debt for cash net and I tried to ask him how much was left owe and he then stated at this time I was a rude lady. I hung the phone up. The Gentleman called me back and said this will not make you debt go away. I asked again how much was left owed he stated at this time I should know and he also said I was XXXX and that I was XXXX. I asked to speak to someone else and he said you are not speaking to anyone else. I started making a noise make him listen. I then decided to hang up on him. I had to look on my caller ID to get a number to call back. I was sent to a director named XXXX and explained exactly what happened and I told her that was degrading and I do not believe that he should have spoke to me that way.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been making payments on both my federal and private loans for the past almost two years.y private loan is at a variable rate which recently increased from a 10.25 % to 10.75 %. I was told on XX/XX/XXXX that it is based on a prime rate but was given no clarification as to what that means. I also have had over the life of these loans been charged {$10000.00} in capitalized interest when the original total disbursement amount was {$19000.00}. I was told this will acrue when a forberance is in place. However I have had this posted to my loans while making payment. For example XX/XX/XXXX I had {$4600.00} in capitalized interest and XX/XX/XXXX another {$400.00} this all while making auto withdraw payment. Also through the life of these loans when I could n't make payments on the amount they required me to, I was told my only option was to go in a forbearance. I was never offered a low payment plan. While my co-signer was in bankruptcy which has been up until a year ago, I did n't even have access to my online account. I was told I was blocked due to my co signer having a bankruprcy on the account. I have had numerous conversation with reps from navient with no resolve. This has been extremely frustrating my balance since XX/XX/XXXX to present date as only gone down roughly {$200.00}. I have been making payments in the amounts of $ XXXX-XXXX monthly. I have also had late payments attached over the duration of the loans hanging in dollar amounts of {$2.00} - {$12.00} will I 've been making payment or while I was in forbearance. Im seeing help in lowering my interest rate as well as resolving these issues. I get no where when I call navient. I felt as though I will never get these paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Law Firm, XXXX, XXXX XXXX XXXX on behalf of Huntington Bank is attempting to collect on an invalid debt against me. Huntington is claiming a lien against my personal residence based upon an alleged unpaid and unstated amount as a result of a mortgage that was cosigned by me for another property and businesses that were incorporated. Huntington took receivership of the property and businesses and caused a valid purchase agreement to be nullified resulting in a reduction of the sales price and deterioration of the businesses and their assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My loan is currently being serviced by XXXX XXXX. A lender and/or servicer CAN NOT collect on a debt that is TRANSFERRED DURING the DEFAULT of the LOAN. My violations as a Homeowner have been violated. I already accepted I can not remain in my home and since short selling my home was one of the options given to me to " avoid foreclosure '' I began the process. It has been a challenge with XXXX XXXX counter offering during the process causing the interested party to walk away from the transaction. The truth is that a short sale process is just as long, hectic and stressful as a modification and the servicer is well aware of that which is why the servicer should not delay on providing responses and/or an approval. I am currently facing foreclosure and only need 10 days to allow the transaction to close but XXXX XXXX, the servicer of my loan, is refusing to provide a postponement of the 10 days needed. I am asking to exercise my right as a homeowner to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This referred to the complaint issued on XX/XXX/2017 ID # XXXX The XXXX XXXX XXXX XXXX XXXX ID : XXXX REGARDING MY MONEY IN THE AMOUNT OF {$350.00} PLUS XXXX A TOTAL OF {$360.00} I did not need to be addressed on the Terms and Conditions when in fact the Vehicle # 1 XXXX XXXX XXXX XXXX was returned on XXXX XXXX, 2017 and the transaction has been closed. I do not have the vehicle. There was no need to hold my money because XXXX had already released the funds to be place back on my cards since XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On Friday XX/XX/17, I received an alert from the credit bureau 's that I have a collection on my credit bureau from a XXXX XXXX. I not only did not receive any written notice of this debt, but was never given the opportunity to validate this debt. I contacted Midland Funding and was not able to have them validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a letter my wife and I sent to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. My wife has received a response to the letter regarding her accounts, but I have not received any response yet. More than 30 days have past, and they are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: U.S. BANCORP
State: CT

Complaint narrative:
Currently have a high balance on our credit card and are struggling to make the minimum payments every month. We have noticed that the interest on our statement every month is more than half of the minimum payment that we are paying. I have reached out to the credit union regarding this matter of lowering the payment since they were the ones that originally issued the card to us, and they informed me to call the card company itself. 

After calling the credit card company they told me that they can not do anything and that I should reach out to the credit union. Spoke with XXXX at XXXX XXXX XXXX on XXXX XXXX, 2017 and he just gave me the run around that he could not really help us at this time. We have always made the minimum payments on time, but with my husband going through XXXX treatment and medical expenses racking up along with student loan expenses and we are having severe issues with our home in CT, I am just looking for something that will lower the interest rate on this card so that our monthly payments could hopefully start making a dent in the balance.

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 2017-10-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: CA

Complaint narrative:
Penn Credit Corporation is a third party collection agency who collects for online Pay Day loans. 

XXXX is the phone number that belongs to the collection agency. They have been calling me at work non stop 3-4 time per day. Same as my cell phone. The do n't leave a message but my business phone is being tied up when they are calling me. 

The even try calling from an unknown phone number that shows no caller ID and even use their personal cell phones to get me to respond. I may be filing bankruptcy and this harassment has got to stop. I have them blocked on my cell phone but I can not block them from my work phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation