vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank have created a record on our company that has made almost impossible to apply for a new bank account. We had been with Regions Bank for around 12 years and two years ago we decided to move elsewhere since they were manipulation our deposits so to create lots of fees for themselves. After we had the account closed they went ahead and file a complaint through some sort of XXXX XXXX XXXX saying that we owed them {$530.00}. We have asked them for the transaction and have had nothing but rudeness and bad faith attitude with us. We tried to go to the Federal Reserve of XXXX where this part of the banking system have sent a response letter to us with no signature no name or reference number and would never pick up their telephone calls. Region will tell you that they have already sent us the transaction while in fact its just a typed letter by telling how much we owe them. XXXX XXXX XXXX was the one who promised the official transcript to us and when I tried to call she was no longer with the bank.

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 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
I have never did business with this company nor do I owe any debt in this amount

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I disputed, with all credit reporting agencies, the information being reported by Monterey Financial Services. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX Disputed unpaid Cap One collection {$310.00}. Please initiate a consumer complaint against this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
debt collector had bad debt report on my credit report first, then sent notification afterwards trying to settle, not giving myself the opportunity to dispute the validity of this bad debt. I was not given notice, this bad debt was filed and charged off in bankruptcy file # XXXX. I received notice XX/XX/XXXX the notice date is XX/XX/XXXX but was already reporting negative on my credit report, not giving myself the chance to explain why this debt was invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Credit Management LP XXXX Disputed unpaid XXXX XXXX collection {$240.00}. Please initiate a consumer complaint against this agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: OK

Complaint narrative:
I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as AFNI. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as XXXX XXXX. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal Credit Union had 4 inquiries on my credit report the inquiries were excessive because they were under 30 days from each. I also have an account with Navy Federal and they have the ability to pull my Fico Score each month for free without causing a hard inquiry on my credit report. I requested a loan and they pulled my credit report twice with in two days of each ... Once they pull my credit report once ... that file last for 30 days.They kept telling me that I had a security freeze on my account, well I lifted the security freeze, they went and did multiple pulls. within days which is unnecessary.

Navy Federal Inquiries XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I contacted XXXX on XX/XX/XXXX because too much money was garnished from my wages. I was then told to contact Navient. I contacted them and was told that I would receive a check for the over paid amount ( XXXX and XXXX ) within 30-60 days. I contacted them again on XX/XX/XXXX because the second amount was garnished. I was then told it would be 60-90 days for my refund. I contacted Navient again on XX/XX/XXXX and told that now it would be 90-120 days and the money would be sent directly to my employer. I was never notified in writing or by phone call of the change in policy.

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 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
PennyMac is consistently not paying my taxes on time with the City of XXXX. First half of the tax bill was due XX/XX/2018 and I just received a letter in the mail that this has not been paid. The same thing happened to me last fall as well. I currently have a partial tax exemption for my rehabilitated property and it appears that I may lose this because of PennyMac 's inability to monitor my taxes. What is the point of having an escrow account if I'm getting penalized monetarily by the city? I am curious to know what controls they have in place and who their vendor is because this has been an unbelievably frustrating experience for me, to constantly get these letters from the City. Please pay my taxes on time and make sure you are MONITORING for future payments. I refuse to pay inflated taxes because of PennyMac 's deficiencies in their internal processes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This debt is reporting to all 3 credit bureaus and is effecting my credit. This debt is not mine. I have reported theft of my identity. I never signed a contract for this.This debt is reporting an amount of {$620.00} owed, stating it was open n XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Around XX/XX/XXXX, my attorney submitted documents to start a loan modification. We have been informing Wells Fargo for years that they had us in the same Pick-A-Payment loan from XXXX XXXX and this loan was found to be invalid by Superior Court Judge XXXX order in XXXX County NJ. However, we never received a formal denial letter through the mail. Yet Wells Fargo Home Mortgage despite numerous attempts to get their attention to stop their illegal foreclosure and sheriff sale proceedings, they continued to move forward even after being old there were a number of issues in my mortgage. Wells Fargo went on and held a Sheriff sale of our property on XX/XX/XXXX which is a clear FEDERAL VIOLATION of 1024.41 Loss mitigation procedures.I believe that they did this in retaliation for me filing complaints with the State and Federal authorities for their conduct which is deemed illegal.

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Department of Education/XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to  credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I called Transunion and they was not able to help me and kept giving me the run around. All I wanted to do was take off all the hard inquiries that I saw on my credit report that I have no knowledge of due to identity theft which is hurting my score everyday

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
To whom it may concern : I am bringing a complaint against XXXX XXXX. XXXX XXXX XXXX and Cooling and Winter Law firm acting as a debt collector. 

My debt was with XXXX XXXX. The debt was originally my mother 's debt but I took over the debt after her death on XX/XX/XXXX. XXXX XXXX XXXX filed a garnish judgement against me but I am Social Security. On XX/XX/XXXX, XXXX XXXX XXXX placed a XXXX XXXX XXXX XXXX upon the home I stay in which I did not have ownership of the said property until I filed a Quickclaim Deed on XX/XX/XXXX. Now I am in a bankruptcy and they want me to pay to remove the lien off the property. The tactics they used are deceptive and unethical. Now neither debt collector law firm won't even answer my calls, return my calls. nothing. 
Not knowing the lien was on the property was sufficient reasons for my denial of mortgage assistance and the lost of my home. 
I also notice that the debt collector law firm was under investigation in XX/XX/XXXX same time they were putting liens on property that people don't own.

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 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My uncle asked me if I could do him a favor and deposit his {$1000.00} income tax check which he signed but was not able to deposit into his account before going to the XXXX XXXX. On XX/XX/18, I deposited his signed check into my account at a Chase ATM. After depositing the check I went to a XXXX XXXX to send him {$300.00} which he had asked for. The following day I tried to withdraw money from a Chase ATM and got an error message. I went and spoke with a teller who said I had to call customer service. I called and they informed me that my account was frozen due to the check that was deposited. They said I had to come in with my uncle to the branch which I about a week and a half afterwards when he came back from the XXXX XXXX. At the branch they verified everything and told me that they would give me a check for the {$1000.00} which I was to give to my uncle. I then asked if I could open another account since mine was closed and they said yes and I was able to open it that same day. Days later that new account which they had opened for me was closed as well. When I called Chase they did not give me any information as to why this account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My dad 's savings account had a POD provision. He passed away XX/XX/2018. The bank lost the paper work and informs me that I must get a lawyer to access funds that now belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
We purchased a used Harley Davidson motorcycle in XX/XX/2016. I have often signed into my online account with Harley Davidson Financial and scheduled my payment for a date later than the due date. I do this prior to the date the payment is due. Well, the due date is the XX/XX/XXXX ... ..starting the VERY NEXT DAY, I begin getting multiple calls every day asking about my PAST DUE account. Every time, I tell them to check my account ; I have scheduled the payment for later. Every time, they ask why. Every time, I tell them it's because of how my paychecks fall. My scheduled payment is normally 7-10 days after the due date, so it's not like I am skipping a whole month 's payment or anything. I just don't understand why they have to REPEATEDLY call me when they can plainly see I have scheduled the payment. They have no leg to stand on anyway, as my personal banker explained to me that even if they say there is no " 10 day grace period '', by law there is one. They are not supposed to call you until that 10 day grace period is up, but regardless, I have a scheduled payment. There should be no calls to my work or cell phone, much less multiple calls every single day until the scheduled payment has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Overdraft was caused in XX/XX/XXXX due to erroneous XXXX billing. It was a weekend so i contacted XXXX and they agreed to reverse the charge. On the following Monday I went into the PNC branch and asked the manager to reverse the overfrafts. I showed her the email from XXXX support and she refused and said I had to file a dispute ... which I did. I told her i would be closing account as I'm unemployed and alimony is $ XXXX month. At that point they had already assessed approx {$300.00} in overdraft charges. I don't know about you but {$700.00} remaining isn't going to cover monthly expenses much less food! 
I respectfully request the CFPB subpoena all email messages sent to PNC customer support via their secure email system. These messages which I no longer have access to clearly state I told them to close the account. Fast forward 3+ months they continued to charge monthly service and overdraft charges amounting to over $ 500+. 
While they did refund {$150.00} it is inexcuseable dishonest conduct. Please see attached documentation. I'm in the middle of a messy divorce so this and financial concerns has taken a back seat. The other issue is our MD state tax refund that was to go to my soon to be ex was mistakenly deposited into the PNC account as a clerk in accountant 's office used my PNC account into instead of his ... and PNC took the ENTIRE refund in overdraft charges ... had they been honest from the beginning and refunded the overdraft charges NONE of this would have happened. 
Again please subpoena those messages from both my personal checking account and business XXXX XXXX XXXX. They clearly indicate the accounts were to be closed so they have continued to rack up deceitful charges for months. Horrible bank. Horrible situation and complete lack of empathy or understanding on a situation that was not my fault. As far as their assertions w XXXX they had already been notified and given alternate cc number so not sure why ... and had they closed account it wouldn't have been an issue. 
Also PNC has been told not to call me ... and I would appreciate if they communicate only through you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: AES/PHEAA
State: PA

Complaint narrative:
I work for the XXXX XXXX XXXX XXXX. I have been repaying Parent Plus Loans since XX/XX/XXXX that were taken for my XXXX daughters to attend college. How FAFSA works you only receive funds/loans per year per child.. I applied for Public Service Student Loan Forgiveness after 10 years of being employed by a XXXX XXXX XXXX XXXX and applied for loan forgiveness in XX/XX/XXXX. My application was denied because the loan company stated since I consolidated the loans in XX/XX/XXXX ( at their suggestion after I asked them how might I make it easier for with how FAFSA and Parent Plus works -- you incur loans per child per year and I was making about 6 to 7 payments writing 6 or 7 checks every month for the loans I might add ) that I did not have the qualifying 120 payments and that my " forgiveness '' would take place AFTER making the payments from XX/XX/XXXX, and at that point my loan would be paid off, and I would receive zero forgiveness. I asked if there was an appeal to this as I was misinformed when the suggestion was made by XXXX XXXX to consolidate multiple loans that I had incurred as a parent. I am upset and frustrated and am being denied what I am entitled under the federal Loan forgiveness act because of some " technicality '' they imposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: FL

Complaint narrative:
XXXX XXXX XXXX is still reporting to all three credit bureaus that I owe a balance.. but the car has been paid off. This is a violation of the FCRA federal law to report incorrect information to the credit bureaus. I am demanding that XXXX XXXX update the information to reflect a XXXX balance. The car was paid off as of XX/XX/XXXX The account information to the credit bureaus was updated on XX/XX/XXXX reflecting that I owe {$14000.00} which isnt correct the pay off amount for the car was {$13000.00} which was paid in full to 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