vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I Leased a vehicle ( Acct # XXXX ) through BMW Financial Services. I paid my entire lease for 36 months and at the end of my lease I recieved a Excess Wear & Tear bill for {$1700.00} and a additional charge of {$300.00} for supposedly dropping off the car a week late ( Which i didn't ). I called BMW Financial Services and they contacted the dealer and they verified that the car was dropped off at the correct time and was never late. BMW Financial had realized they had made an error on this bill and removed the erroneous charge and I paid the bill in full right there on the spot {$1700.00} on XX/XX/2019 ( proof of payment Attached ). It has since been over 2 months and they are still reporting to the all 3 credit bureaus that I have a balance of {$2.00}. I have filed a dispute with all 3 credit bureaus and BMW Financial Services responded to the credit Bureaus by saying the balance is correct and I owe {$2000.00}. I called BMW Financial Services End of term Lease dept and spoke with a supervisor by the named XXXX and all I got from XXXX is the run around. XXXX kept telling me that he sees a {$0.00} balance and doesn't know what else to tell me. So I then I asked XXXX If they can send me a letter in writing saying that I have a {$0.00} balance on the account and his response was no. I don't know what else to do. This is taking a tool on my credit report and my score went down due to this and its taking a tool on my life. Please help me. my number is XXXX and my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
When I opened this account, I submitted a request in writing to 1. be exempt from arbitration and 2. to not have the card overdraw. This account is used for small community group with limited resources. The account has been open a few years now and it was in good standing. The account even had a latent balance of anywhere from {$200.00} to {$500.00}. 

I last logged into the account on XX/XX/2019. In XXXX, I again logged into the account and much to my surprise, the account was severely overdrawn. After reviewing the account, I realized the visa debit card was overdrawing the account even though I requested that this not happen. Most of the transactions were less then the {$37.00} overdraft fee and as small as a {$5.00} transaction. As soon as I found out about the overdrawn status, I made two deposits to take care of the overdrawn amounts. However, the account still has a small balance as there was around few hundred dollars in fees. 

I would like the bank to reverse all fees charged to the account since I requested that there not be any overdraft fees upon opening the account. Also ensure the original request to not overdraft is honored. I would also like to avoid any collection costs or credit reporting. I would like to keep the account open and have another ACH direct deposit on the way this Friday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I believe Wells Fargo is retaliating against me by withholding payment information to credit reporting bureaus for expressing my extreme displeasure with the company acquiring my mortgage, and active pursuit to change the law regarding how mortgage companies acquire mortgages and effectively force unwilling consumers to do business with a particular institution. 

In late XXXX/early XX/XX/XXXX I discovered my XXXX  credit score dropped basically overnight from approximately XXXX to XXXX. I have been in contact with XXXX  several times to determine why this occurred. As part of the process, XXXX  provided a detailed credit report. The report shows outstanding payment history on every account I have with one exception : Wells Fargo Home Mortgage. Wells Fargo acquired the mortgage in XX/XX/XXXX, with payments to begin XX/XX/XXXX. I immediately protested the method Wells Fargo acquired my mortgage since there is NO WAY I would ever voluntarily do ANY business with Wells Fargo, a company with a vast criminal history and a reputation of customer abuse so great a federal judge made it part of her ruling against the company. Despite my displeasure, I have made my mortgage payments on time every month, even with Wells Fargo 's attempts to make the process unnecessarily difficult. However, Wells Fargo 's report to XXXX  shows " Unknown '' payments for the months of XXXX, XXXX and XX/XX/XXXX. Payments for XXXX and XX/XX/XXXX appear as " OK ''. 

When I contacted Wells Fargo, the representative told me, " It can take up to 60 days after [ Wells Fargo ] acquire [ s ] the account before payment history starts being reported. '' This explanation defies the history of other mortgages I have had, which show a continuous, seamless transition from the time I entered into the mortgage and through transfers to other servicing companies. So apparently Wells Fargo is doing it correctly and the other companies are doing it wrong? I don't think so. Also, the representative 's explanation, if true, contradicts the facts. According to him, it can take 60 days, but considering Wells Fargo acquired the mortgage in XX/XX/XXXX and the XXXX report doesn't start reporting good payments until XX/XX/XXXX the 60-day window is exceeded ( 90-121 days total ). 

I believe Wells Fargo 's failure to accurately report my mortgage payment history is a thinly veiled attempt to retaliate against me for expressing displeasure with Wells Fargo acquiring my mortgage and my efforts to change federal law to prevent corrupt organizations like Wells Fargo from forcing consumers into financial relationships the consumers would never pursue on their 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 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: GA

Complaint narrative:
As scam continuef to con me out of hundreds, I am very careful about who calls claiming I owe money. So I get a call saying I owe over {$300.00} for medical bills back in 2016 ; I asked them to send out a letter so I could view it. With me being in college, all my mail is sent home and it is put aside for me. I go home every weekend with a stack of mail waiting and none from a debt collector. So time goes on and I get calls and voicemails from the same man saying the same things like a robot. I tell him the same thing, send me the letter and he claims to have sent it already but I never get it, even after staying home for an entire 3 week break. Time goes on again and Im still getting calls throughout my days, while Im in class and at work, even 4 times a week. He then tells me he can email it to me, which is a weird thing for a debt collector to do. And it looks like a horrible pieced together email with the said amount. I get another call today at XXXX XXXX with the exact same man saying the exact same thing. I tell him I moved and if he can send the letter I never get to my new address and he gets annoyed with me claiming to have sent it multiple times and I explain to him that I never gotten a written letter because I havent. I asked why I never received anything if this debt was supposedly back in 2016 when I have health insurance, his response was Yeah well we only got it a year ago and thats the remaining balance, how do you want to pay it? Im sure anybody with a working brain wont pay anything without legit proof. Ive quite had it with this and I want this harassment to be over with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KY

Complaint narrative:
I have been paying my student loans since XXXX and plan on applying for the public student loan forgiveness program. My payment counts are inaccurate after multiple attempts contacting fedloan servicing to fix the payment count. My loans were initially under XXXX in XXXX ( through XXXX XXXX   and consolidated ) and transferred to fedloan servicing in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: VA

Complaint narrative:
This number keeps calling over and over and over again without leaving any kind of message at all. They even call us on Sunday. They have called 4-5 time within about 15 minutes. I don't know what they want because of not saying anything and hanging up just as soon as the answering machine gives the reply beep. I'm tired of getting these calls. 

I have never gotten a bill or anything from them. I never heard of them until they started calling me about a month ago.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My account was defrauded by someone unknown funds taken without my knowledge. Now my SSI has been hijacked by Wells Fargo even after I notified them of the fraud. I have been told they refuse to do anything to help me and in the meantime I have XXXX and am XXXX can not eat or pay bills. I am about to be evicted. I need help.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Disputed every account on my Transunion credit report, all accounts because it was some kind of error on each account. In stead them removing the closed accounts they re-opened every account.

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 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
( 1 ) Morgan Stanley Private Bank assumed loan servicing responsibility on XX/XX/2019. The prior loan servicing provider was XXXX. 
( 2 ) Prior to Morgan Stanley Private Bank assuming servicing responsibility, they sent letters to us that contained erroneous information about the outstanding principal. I contacted them prior to the notice date and the issue was resolved. 
( 3 ) I make additional principal payments with every monthly mortgage payment. 
( 4 ) Beginning XX/XX/XXXX, and through XX/XX/2019 Morgan Stanley Private Bank has misapplied BOTH of my payments. The misapplication error results in Morgan Stanley Private Bank receiving additional interest on my mortgage, and overstates my outstanding balance. Simply stated, Morgan Stanley Private Bank take money designed to be additional principal and pays a future month mortgage payment first, then applies additional principal. 
( 5 ) If I had not detected Morgan Stanley Private Banks erroneous practice, the estimated additional interest they would have collected from me would have been about {$4000.00} for the first twelve months. 
( 6 ) Morgan Stanley Private Banks customer service blames me for their errors because I did not use their ACH system offered on their website. However, when I attempted to sign up for the ACH, I was rejected for a technicality between my bank and the website. In other words, I tried. Nevertheless, they blame their sloppy bookkeeping on me be cause I do not keep books for them. It is unacceptable. 
( 7 ) Morgan Stanley Private Bank opened up a ticket on XX/XX/2019 to correct the misapplied XX/XX/2019 mortgage payment and instructed me it would take three business days to correct. 
( 8 ) On XX/XX/2019, three business days after my XX/XX/2019 ticket, the correction had not been made. I was then instructed it would take until XX/XX/2019.

( 9 ) Morgan Stanley customer service department is not competent, and are clearly instructed to avoid the fact they are not keeping accurate records. In addition, their promises are not followed through. 
( 10 ) I am a XXXX and pay close attention to my amortization schedule. I recognize that many people may not be as financially astute as me, and I am filing this complaint to alert customers of Morgan Stanley Private Bank of possible immoral or incompetent business practices that a non-financially astute person may not detect. 

I am very concerned about the poor quality of service, beginning prior to XX/XX/2019 and subsequent accounting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: NY

Complaint narrative:
Transunion stated that I needed to provide a better picture of my license for the removal of the fraudulent items on my Transunion 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 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
On XXXX of XXXX I recieved a call that my home was up for forclosure if I didn't catch up with my payments. In XXXX of XXXX a payment for XXXX was wired to ocwen loan servicing. According to them they had repeatedly sent notices which I didn't receive. They took my payment which they can't locate and on XX/XX/XXXX a man knocked on my door and informed me and my son that he had bought our home and that it was no longer ours. Ive tried a million times to contact ocwen but they sold my loan to a new company. They constantly added charges claiming mail charges do I was always short on my loan payments because they put it towards other things. It's not on me to pai for mail they send which I wouldn't receive regardless. I recieved a call yesterday stating that my loan would ne up to date if I made a payment for XXXX. My loan was XXXX for one and XXXX for the other. If i was ONLY behind XXXX and that would get me caught up, how could they have sold my home and leave us homeless. This has caused major XXXX for my son, myself and my daughter. It's not only unfair but embarrassing. I have my credit ruined and it's also cause a lot of turmoil on my family. I owed XXXX on the home, the man is willing to resell to me for XXXX more than he paid for it or it's worth with XXXX non refundable until I get a loan or the end of XXXX. I reported back in XXXX that I was divorced and thr home was awarded to me they didn't make the changes now the check can't even be given to me because my husband was dull on the loan so I can't even use that money to help us find a place to stay for the meantime. I have no family here other than my mom who has worked all her life to have her home and she's willing to put her house for us to get a loan to regain our home back bit her DTI in too high so we can't get approved for a loan. Please help me. Ocwen is the most fraudulent mortgage company ever. I'm out a home, escrow payment and attorney fees. I don't care about anything else 3 but this was my kids home and they took it from us. Im desperate. My son graduates this Saturday from high school which he worked so hard to do, and the only thing he's got to look for and not having a place top come to after graduation. He wants nothing but to have his home back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am tired of the bank taking money from me in fees intentionally. I let them do it once before but this has gone way too far. I am being charged for items that don't even post to the account. Not to mention I put the cash in the account before I spend it to ensure that it is there. I have a witness this time that saw me put the money in the account and I took a screenshot of the funds before I made the purchase. This needs to be addressed as it takes advantage of consumers like myself. I don't work to pay fees to the bank. I am sad that I have even added them as my direct deposit for work just because of this. Charging for items not even posted to the account when I can't ' even dispute a transaction that has not yet been posted is a setup. I use the app to manage the account and now the bank is telling me that it is not an accurate source. I agree to have owed 2 fees and some money but not {$600.00}, that is just crazy. They took over {$100.00} in fees the week prior. I will fax over the items I have and a statement may also be attained from my witness if needed. Lastly, items that are not in a preauthorization status are able to be withdrawn and has me in trouble now with XXXX. The bank also allows them to hit the account without permission. The bank picks and chooses when and what it wants to pay and that is not right. However, my concern is the fees that were allowed to be taken from me when I am trying to build a good banking relationship in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Error inquiry from XX/XX/2019. SyncB XXXX XXXX/ XXXX  My credit score went down

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2019, I instructed XXXX XXXX XXXX to pay the remaining settlement amount to Capital One Bank for account ending in XXXX. A total of {$1300.00} was paid to Capital One to settle this account as " PAID OFF ''. 

I have tried to get Capital One to update my credit report accordingly to reflect the account has been closed and paid off with a {$0.00} Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: UT

Complaint narrative:
I was banking with us bank. I had a deposit go through my checking account on Friday. On Saturday the following day I went to XXXX and got items and groceries totaling {$150.00}. My card was declined and I walked out of the store with nothing in hand. Two weeks later I was balancing my checkbook and my statement showed the bank had taken out {$150.00} for a charge at XXXX for that same time my card was declined and I walked out empty. I immediately called the bank and they couldnt explain. I went to XXXX and they checked their records for the day before and three days after and they did NOT show any record of a charge for {$150.00}. The supervisor even wrote a letter saying there was never a charge of {$150.00}.

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 2019-06-12 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: MN

Complaint narrative:
XXXX TRANSUNION Method of verification request To whom it may concern This letter is in response to your recent claim that the following account down below verified the accounts they are reporting is accurate.

Please be advised that Im exercising my rights under the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by agency including the business name address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available In compliance with this method of investigation request provide the following XXXX XXXX / XXXX / XXXX The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
please provide the information on this site!

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