vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
This company called my grandmother " looking '' for me and attempted to collect information about me. This is unethical and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been in a constant battle with Navient-Private loan for years. Ive been paying on my loans for years and havent seen my principle Balance go down. They cant send me promissory notes of the loans I have with them. Interest rates are ridiculous and customer service XXXX. Theres something that has to be done. Theyre getting over on people. There are some people that do try to pay back their student loans based off income and Navient doesnt negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a cash deposit of {$250.00} ( 2 {$100.00} bills and 1 {$50.00} bill ) and the ATM took my money but did not credit it to my account. It gave me a receipt citing an ATM error and asked me to call a 855 number. I called immediately and was told the funds would be in my account after the holiday, on Friday XX/XX/XXXX. It is now XX/XX/XXXX and the funds are still not in my account. I had to make another {$200.00} deposit to cover some of the transactions and avoid overdrafts but over the following weekend, a lot of transactions hit and overdrew the account, since they did not deposit the {$250.00}. I spoke to XXXX at the XXXX Branch, XXXX Branch Manager at the XXXX branch and they refused to give me a provisional credit on my account. The funds are still not there, and the practice that this bank has of taking funds and refusing to give provisional credits while they investigate THEIR own ATMs is the worst disservice to their customers. What if I did n't have any money for food, gas, etc.? The bank is putting people in very precarious situations and it is unacceptable!

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 2017-11-30 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Thursday, XXXX XXXX, XXXX I purchased a ring for my daughter ( who is an authorized signer ) on Saturday, XXXX XXXX at the Zales store at XXXX XXXX XXXX in XXXX, NC in the amount of {$1800.00}. The ring was never in my daughters possession as she had requested it be resized. Since XXXX XXXX fell over the XXXX XXXX weekend, the ring would take several more days than usual to be sent off and resized. 

On Sunday, XXXX XXXX, my daughter called the Zales store referenced above, and cancelled the purchase of the ring. She was told by an associate that the ring had not been sent off to be resized and they would return the ring to their inventory and credit the Zales Credit Card account immediately. My daughter was told there would be no need for additional action. 

On Sunday, XXXX XXXX, my daughter checked the balance of Zales Credit Card ( with my permission ) and noticed that the ring had NOT been returned and was showing a balance of {$1800.00} with a LATE FEE of {$25.00}. My daughter then called the Zales store the ring was purchased at and demanded to know why the account was showing the ring was not returned. She was then informed by an associate who claimed to be the manager, that in order to return the ring, my signature or my daughters as she used her Zales authorized signer card, would need to complete the return. 

Due to the ineptitude of the store associate my daughter spoke with on XXXX XXXX, my account was placed in a COLLECTION status and reported to the credit bureau. I am beyond furious at this turn of events. Store associates need to be properly trained on how to deal with returns. Because of turn of events, my credit has been negatively impacted due to a store associate not understanding the return process. If we were informed the return would require a signature, there would be no question it would have been taken care of BEFORE the first due date of the payment on XXXX/XXXX/XXXX. 

The issue with the credit bureau should be corrected ASAP. I do not want to pursue this matter further by filing a complaint with the CFPB or other consumer protection bureaus, but I am beyond furious this has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Pitbladdo Botteron and Jarvis, LLC
State: FL

Complaint narrative:
I have a car through XXXX XXXX XXXX I was making payments every 2 weeks like I was suppose maybe 3 times out of the 2 years I had had it never was a problem some new company comes in calls claiming to be XXXX XXXX XXXX I make payment over the phone like I usually  do some times check my account for my card it says XXXX XXXX so  I called them up asking who they were they told me XXXX XXXX XXXX went out of business that i needed to start paying them I said to them muy loan was not through them so let me see if I can get advice from a legal person only because I was making payments but nothing was never getting reported so I go to DMV to see if I have a hold(lien) on the car  the print me out a paper saying it's still in me and XXXX XXXX XXXX name so now I'm asking question they won't or can't answer no I'm like stuck because I'm making payments every 2 weeks or just putting the whole amount down in 1 payment for the month but it's

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I made payment on XX/XX/XXXX in the amount {$920.00} for acct # XXXX, paid to Ocwen Loan Servicing, LLC. I notice that the payment was returned along with receiving a fund returned letter dated XX/XX/XXXX. for not sufficient to satisfy the reinstatement amount on the account. Which I have always pay the escrow, which is my taxes and insurance., The payment applied is the correct amount, that I previous pay consistently. Further investigation needs to be looked at in a timely manner according to my records. I also receive a letter separate class action suit in regards to phone calling and harrassment. and challenged the debt that is supposed to be correct. However I will submit the evidence for your record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened Checkings/Savings Accounts with, XXXX XXXX/Synchrony Financial and began to use these accounts over the, XXXX holiday while I was out of town. 

The company placed an ATM hold on my account, claiming they just wanted to verify that I was the person making the transactions. 

I called and verified and answered all their questions and was told everything was good and the holds would be released and I would have full use of all accounts and they still have not restored my accounts and are denying me access to my funds without any reason or explanation. 

I have spoken to this company an additional 6-7 times, up to and including the office of the President, XXXX XXXX, XXXX XXXX, XXXX XXXX and multiple Supervisors and Managers and am getting the run around! 

There is no grounds for this company denying me access to my accounts and this needs to be resolved immediately. 

I would appreciate your assistance to resolve the matter voluntarily, obviously the next steps would involve a higher escalation, up to and including legal action and the media. 

Please advise.

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 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
i had submit all the doc the bank ask by fax and also by certified mail so when i call today to check onthe status of my loan modification i was told they did n't received in time and something was missing so ask many times what was missing they dindt know i have the name and badge of the person i ve talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: FL

Complaint narrative:
I was reviewing a copy of my credit report after the equifax breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have submitted countless verification letters to XXXX and Transunion in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX agency. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.

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 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In 2011 I opened an account with TD so I could use the coin machine to convert our spare change into savings for my son. I deposited around {$60.00} in this account. a period of months I did not add fund to the account and I did n't receive paper statements until I was finally sent a letter from TD saying the account was in overdraft {$30.00} plus some other fees. It turned out they had been taking a {$15.00} fee out of the account over a period of months and I had no idea this was happening. They continued to charge the fees even when the account went into overdraft and I only found out when they sent me a letter. I tired to close the account as soon as I was made aware of it but could n't until I paid what they said I owed them. I spent several days on the phone both with their collections department, customer service and with people in the branch, at least trying to negotiate a way for me to close the account that was fair - e.g I even said I would ask them to refund the money they had taken from me if they just did n't make me pay a fee on top of what they took. All representatives I spoke to refused repeated that it was in the fine print, though I was never actually told this when I opened the account. It seems to me that it is something that customers should be warned about - not something to be in the fine print. None of the reps I spoke to would budge on this, despite how unreasonable it was and all were rude to me about it, despite it being clearly suspect practice on the banks behalf. I did n't want this to damage my credit score so I paid it and closed the account. In the end it turned out they took all of the money I had deposited in the account and I was charged late fees on top of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30 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:
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Credit Reporting Agency : Experian Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with Experian. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called Experian, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be removed from my credit report

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 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XX/XX/XXXX they applied my monthly installment loan payment towards principal instead of my regular monthly payment. They keep phoning my mobile phone, my wife 's mobile phone, and my place of employment asking me why my payment is late and when am I going to send it in. I have repeatedly explained that I am not late and they always research and say " yes you are correct '' and that I will not be called again. But the calls have continued for the past 4 months and it is annoying and embarassing.

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 2017-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/XXXX i transferred XXXX GBP to my coinbase euro wallet. The money left my XXXX XXXX account in XXXX and was not deposited in my euro wallet. 

I used the bank details provided by the mobile app at the time, which did not state that the deposit needs to come from an account that matches my verified name. 

I have since tried to make contact on many occasions. 

these include - email XX/XX/XXXX, XX/XX/XXXXr and XX/XX/XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX So 6 times in total, the phone lines are always too busy and service just hangs up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: DC

Complaint narrative:
I just pulled my credit files and learned that XXXX XXXX XXXX  is reporting fraudlent information on my files. This is not my debt and i have never received any notice or demand for payment from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
Based on information and belief this is not my debt. I am a victim of ID Theft and informed this company of that twice. They are still reporting this false information on my files. I never received any notice from them concerning this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Hard Hit Inquiry without permission XXXXQuicken XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase transferred my home mortgage to XXXX XXXX XXXX effective XXXX-XXXX-17. I made a payment, a checking account transfer which I did get a confirmation number from the phone agent. Well, I have not received a single piece of information from them, they wont even tell me my account number. Im in Chapter XXXX bankruptcy so the phone jockey said I have to get approval from my lawyer to give me account information. He has not heard from them either. I looked on the Consumer Affairs Complaints website and its filled with similar complaints and those complaints frighten me because they put good folks into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX XXXX XX/XX/XXXXand will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and it got me no where. Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have submitted countless verification letters to Experian and XXXX in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX XXXX. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.

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 2017-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL

Complaint narrative:
I was offered an informal forbarnace on my loan due to the the impacts of Hurrican Irma on our area in Florida. I have submitted documentation and loss mitigation request packages numerous times to try to get on a repayment plan to bring the loan current or request a modification, or simply an extension of the forbearance until XX/XX/XXXX when I will receive my delayed bonus in order to bring the loan current. I have received little to no response and communication from SunWest and promises for call backs and assistance that have gone unfulfilled. At this point, the forbearance is up XX/XX/XXXX, and I have been trying all week to get answers on what I can do to ensure my credit is not impacted and how we can work to bring the account current. When you call the loss mitigation and customer service departments, you sit on hold for 5 min and then are automatically dumped into a voicemail box. I am out of options and am simply trying to ensure that I can work to bring my loan current as soon as possible. I have diligently been trying to work with them for the last 60 days and it seems they are ignoring my requests so that the forbearance will run out and they can asses late fees and impact my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation