vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/2018 I received a message from my banking institutions loss prevention services regarding an attempted transaction for {$150.00}. I flagged the transaction as unauthorized and my XXXX debit card was deactivated. When I called the bank in the morning, they cleared the transaction and deducted {$150.00} from my checking account. I then contacted the company that initiated the transaction and found out that they use a service offered by XXXX called XXXX XXXX XXXX  and that if your billing information is out of date, they receive your current bank account information so that they can continue to charge your account. I then called my banking institution and asked to opt out of their updating services as I am very concerned that they willfully provide my banking information to XXXX and/or merchants without my knowledge or consent. The customer service representative said there is no way to opt out of this service and nothing can be done to prevent my bank or XXXX from providing my current account information to merchants. This is very alarming that my banking institution will provide my account information to anyone other than myself but then to tell me there is nothing I can do to protect my financial information is absolutely ridiculous. Banks need to protect my information, not freely distribute it like they are doing with this so-called service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
This company has been calling me incessantly for months now. They call and as soon as the call connects to a representative, they hang up ... as though they are trying to force you to call them back. I spoke with an agent on XX/XX/XXXX and asked who they were. They advised me that they were calling regarding a debt from XXXX where I owed {$130.00}. I advised them that their claim was fraudulent as I have been insured for the past 15 years through the same company and my maximum co-pay amount is {$100.00}. I further advised them that this debt was settled through another company XXXX XXXX. They hung up on me and have proceeded to call me multiple times daily since. I contacted XXXX regarding they debtor. XXXX  conducted an investigation and found their claims to be fraudlent and deleted the collection from my credit report. Today, XX/XX/XXXX, the same thing happened. I spoke with a representative and advised her that I was going to report them to the XXXX XXXX XXXX and the representative told me to go ahead and hung up on me. I am tired of being harrassed by this agency, who clearly does not own this debt!!! They are scammers who are trying to bully me into paying a false debt ... and damaging my credit to make matters worse!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: TN

Complaint narrative:
In XX/XX/XXXX Di-Tech reported to all 3 credit bureaus that I was over 30 days late on my mortgage payment in XX/XX/XXXX. I have emailed them twice with attached documents of proof as well as talked to customer service. I have also called all 3 credit bureaus. Di-Tech still has not corrected this. 
They have also taken payments and applied them to a " unapplied account ''. Instead of applying them to my mortgage payment as I directed. This happened XX/XX/XXXX. I wrote a separate check for late fees XXXX It was split up. Part put into a unapplied account and other towards the principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I took my car for transmission to a mechanic by the name of XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( COPY ATTACHED ). they told me they can fix the problem on my car and they give an invoice in the amount of XXXX which i had paid for it with my chase credit card knowing if they could not do the job and having difficulty with this company i can contact chase and have them take care of it for me. week after XXXX XXXX XXXX XXXX XXXX contacted me and notified me my car is ready and i can go pick up my car. immediately after i picked up my car it broke down and we had to towed the car to them, few days later i got a phone call that my car is ready the same thing happened my car was not working and had to towed the car to them, again and it happened again after picked up my car for the third time which i decided this time to take it to another mechanic called XXXX XXXX XXXX and this people charged me {$2400.00} and they fixed up my car which i do not have any problem with it. I contacted the XXXX XXXX XXXX XXXX and asked them for a refund and they refused to refund my money back but they told me bring the car back and we fix it and i told them no thanks. Chase send me a paper to fill out to get my account credited after i filled up the paper works they told me they can not credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Debt doesn't belong to me, company put in on my credit. Never had a XXXX account before. I asked them to remove it, they still have it on my credit.

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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX loan depot called ask me about refinancing I told him he could give me certain info but do not run a credit inquiry he said he wouldn't I didn't give him my social said he had it from XX/XX/2016 plus he talked to my wife not me I'm XXXX.i gave no permission hope they recorded the conversation cause my wife also told them not to wrong a report very upset at this point

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OZK
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX, XXXX. now named Bank of Ozarks obtained the bank in a Merger. The subject is a XXXX XXXX XXXX that I purchased then with good credit and score from XXXX XXXX  dealership of XXXX, NC was begged/ conhersed with 9.99 % interest rate. 
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX now Bank of Ozarks and the salesman told me they'd lower the interest rate before my first payment. The President of XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX spoke to me in depth about XXXX XXXX reporting late payments months after month lowering my credit score and reading my credit reports violating my FCRA - Fair Billing Act while maliciously reaged my credit report while the XXXX XXXX XXXX in XXXX XXXX possession and voluntarily was already sold illegally by XXXX XXXX ( Collections Department ) and XXXX XXXX ( President of Bank of Ozarks ) Employee of XXXX XXXX XXXX/Bank of Ozarks. XXXX XXXX was undeterred in her actions against reporting fraudulent activity to my credit report while loosing me contracts, homes, other nicer vehicles hurting my good character. The Lt. Governor XXXX is my friend and worked on several projects in the community together spoke to XXXX XXXX told Lt Governor XXXX the vehicle repossession was correctly reported XX/XX/XXXX Lt. Governor was disappointed that The President of the Bank was violating my FCRA and Fair Billing Reporting Act. Lt. Governor XXXX also was concerned about Collection Practices of XXXX XXXX and Collections Practice 's. XXXX ( President of XXXX XXXX XXXX  XXXX XXXX, NC.caused me Great Hardships Financially, Socially, Mentally, by not acting according to NC Law. 
I have a Notarized Copied and Dated Copy from XXXX XXXX employee of XXXX XXXX XXXX XXXX XXXX, NC proving my XXXX XXXX XXXX was voluntarily returned on the date of the Notarized Bank Document signed on the day of XX/XX/XXXX without the knowledge of XXXX XXXX until after XXXX XXXX XXXX was returned by my fianc XXXX XXXX. XXXX XXXX volunteered and telling XXXX XXXX Thank You most people have to have their cars involuntary repossessed it was refreshing to have XXXX XXXX to act responsibly. The completeness and or accuracy is on the financial services institution to be reported correct on my credit report. While XXXX XXXX used the vehicle of XXXX XXXX XXXX as a weapon with the approval of President XXXX XXXX to violate my FCRA Rights viciously attacking my credit report Everytime I dispute their errors.The contract I signed also with XXXX XXXX XXXX   XXXX XXXX/Bank of Ozarks and the collections practices speaking to neighbors about my account while voluntarily returned the XXXX XXXX to the XXXX Branch. My privacy rights were violated maliciously without any regards to NC Laws by XXXX XXXX and XXXX XXXX. It was important to violate my rights so the merger would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I have completely paid off my debt to CBE group and it has been removed from the credit report. XXXX has not been updated about the payment and they are still trying to charge me for it. I have tried multiple times to contact CBE group and have left multiple messages. Every time I call and don't leave a message the phone is on hold then hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they were the debt collector assigned by XXXX XXXX to collect an alleged debt owed. I sent back a letter by certified mail requesting validation of the debt and no response was ever received. On XX/XX/XXXX I received a letter from a different company Resurgent Capital Services stating they were the debt collector for XXXX XXXX  on the same alleged debt, I again sent a letter by certified mail requesting validation of the debt and to date have not gotten a response. 2 letters were received by 2 different debt collection agencies within less then 30 days attempting to collect on the same debt, both of these agencies stated they were debt collectors for XXXX XXXX. I've reported XXXX XXXX to the Nevada State Attorney Generals office for their debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint because this bank is continuing to deny my applications, this time one for a checking account, three years after shutting down a single Chase XXXX credit card because of too many inquiries. Since this, I also tried to open a Chase XXXX card and received the denial reason of " Previous unsatisfactory relationship with bank ''. I understand their concerns then since my credit file was a little thin and new but clearly today is different with a > XXXX credit score. I have never defaulted on a loan or even ever been late with a payment and have thus clearly demonstrated being a good credit risk, at least for a checking account. I opened this account because of the convenience of a branch to my home. I am kindly asking for this to be reconsidered due to the time that has passed and also it being based on actions I didn't even know were a problem. I am submitting this request through the CFPB because it is the only effective way to reach the Office of the President. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
I believe Quicken Loans is violating federal law by collecting more than the cushion allowed by federal law. 

Our annual escrow report for XX/XX/XXXX shows a balance in XX/XX/XXXX for {$880.00}. Our property tax and homeowner 's insurance totaled {$3500.00} ; the 1/6 cushion allowed by federal law is {$610.00}. 

The summary of my projected escrow account for the coming year shows Quicken estimates our property taxes will increase to {$4500.00}. 

On XX/XX/XXXX I contacted a client advocate regarding the increase. XXXX told me that the increase is based on the county 's assessment. I asked her to send me the documentation that justifies their increase. I have not yet received it. 

I then called my county assessor who informed me that they don't send assessments out until XX/XX/XXXX. She stated property taxes were likely to stay the same for XX/XX/XXXX.

The property tax increase appears not to be justified and is over the allowed 1/6th cushion.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i have four hard inquiries that i did not authorize. one from XXXX XXXX n 3 from XXXX  XXXX. i already have a card from XXXX XXXX that is in good standing. XXXX  i never filed for anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
A medical debt in the total of XXXX was attempted by another collection XXXX XXXX XXXX, I have brought this up to the credit bureau and have a letter from XXXX stating this was removed and would not return back on XX/XX/2017. This debt has already been removed from my credit and now has been somehow sold to another company Transworld systems. I do not want to go back through the process of taking this back to the credit bureau. Please remove as it should have been removed permanently. If need be I can provide the letter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked for proof of validation from Experian XXXX and XXXX the debt is account number XXXX XXXX XXXX XXXX. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA

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 2018-02-27 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: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) {$250.00} XXXX XXXX XXXX x 2 ( XXXX ga ) {$200.00} & $ XXXX XXXX x 2 {$76.00} & XXXX Withdrawal @ atm XXXX XXXX XXXX XXXX ga XXXX ( XXXX XXXX  ) {$230.00} All took place on XX/XX/18 Stroller rental {$5.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I have asked for proof of validation from XXXX  XXXX  and XXXX the debt is account number XXXX American Credit Acceptance. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have had a Citi Card since 1999. I used to get a statement credit based on the amount of money I spent. Over the years, this card became by secondary credit card and was seldom used. About a year ago, I decided it would be safer to use a credit card instead of a debit card, and my Citi Card was put back into frequent use. At this same time I asked for and was approved for a larger line of credit to cover my monthly needs. A new card was issued and I began using the new card. When this card was issued it was a Diamond Platinum, instead of my Platinum Select. Two things happened with this name change. First, my existing balance credit of approximately {$3400.00} went away. Second, my rewards for use of the cards were no longer balance credits and were instead coupons for deals on magazines or clothing. For about a year now I have been charging between {$10000.00} and {$30000.00} a month, always paid off monthly. My believe was I was stacking up reward points only to find out that this unsolicited change of reward programs only gave me a coupon for a purse. I want to know who approved this change of programs, where is my previous statement credit, and what benefit I have for the over {$200000.00} of purchases I have. The customer service manager told me I had no recourse and she respects my decision not to use Citi Card.

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 2018-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I have been making weekly payments of XXXX to my auto loan. I set my loan up for XXXX to apply to payment and the rest to principle. In XX/XX/XXXX and XX/XX/XXXX capital one applied multiple payments directly to principle without my knowledge or premission. I was not notified of the reallocation and/or my payments were not rejected. For months I assumed my payments were being applied as I directed until I was charged a late fee XX/XX/XXXX. In XX/XX/XXXX I called to inform them that I paid this bill in advance and didnt understand why I received a late fee and that I couldnt make another payment for a week or so. When I called to inquire about my advanced payments and late fees, I was told I never paid in advance and my payments were applied as I asked and I missed payments thats why I was charged the late fee. To resolve the problem one agent moved my payment ahead a month and told me someone would be in contact about the 30 days late. No one called and nothing was changed. After persistent calls to capital one and a payment by payment review, that i could not do myself because they blocked my transactions on my online statements, I was told they changed my payments from what I allocated them as to complete principle payments and I was told I was paying my loan to far in advance. When I asked why I was not notified or sent the payments back they stated that is not capital one policy and I do not have to appove them changing the way I requested my payments to be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Loan no : XXXX with Mr Cooper aka Nationstar mortgage. 
An error was made in my XX/XX/XXXX and XX/XX/XXXX payments. Payments should be {$930.00} but in error {$960.00} was charged due to their calculating my ARM index margin incorrectly. The loan is tied to the 6 month CD index. This in spite of the 6 monthly ARM notice clearly indicating {$930.00} being the correct payment. Although I have made repeated requests they seem unable to fix the problem. The solution is simple reverse the incorrect monthly payments and replace with the correct principal and interest and apply the overpayments to principal. 
The errors although small in $ terms pose questions about their internal controls. Why are they able to make payment changes in contravention of the 6 monthly ARM notice and why are they not able to make a correction within the timeliness requirements as required under RESPA.

Company response to consumer: Closed with explanation