vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an invitation from Capital One to open a 360 checking account with a Promo code of XXXX, that after I met the requirements of the using the code and having two direct deposit of XXXX or more within 60 days of opening the account, I would receive XXXX as a bonus for opening the account. When I received the invitation I did live in the " targeted area '' but I was moving a week later. On XX/XX/XXXX I called customer service and explained the situation to them and specifically asked them that if I wait to open my account after I move to Florida, would I still get the bonus. The customer service rep said yes, just as long as I entered the promo code and make the 2 deposits. I move to Florida opened my account, entered the code and actually have had 3 deposits within the 60 day timeframe and I have not received the bonus. I called back on XX/XX/XXXX to find out what was going on and at that time I was told that I was not eligible for the bonus and basically was told false information regarding what was the " targeted '' customers ie : they had to be already capital one credit card holders to receive the offer, which is completely untrue. On XX/XX/XXXX, I faxed in a official complaint and explained the situation and asked them to make the situation right and to contact me. I still have not heard anything or received the bonus. If I was not eligible to receive the bonus when I moved to Florida then why did n't the computer tell me this when I entered the promo code? The fact that I met all the qualifications and entered the XXXX promo code, I feel like I am entitled to the promotion. I have also attached the complaint letter I sent to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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:
Ive already spoken to XXXX XXXX debt collection agency. they have agreed to remove this item from my credit report. but you guys have not removed it from my credit report. here is confirmation from commonwelath stating that they will remove item ( complain from CFPB portal ) in regards to XXXX XXXX Company responded STATUS Company responded on X/XX/2017 RESPONSE TYPE Closed with explanation Company 's Response To whom it may concern re. XXXX account # 's XXXX and XXXX : Please be advised that the two open accounts in XXXX XXXX ' name were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumers request for no further contact from XXXX XXXX XXXX , XXXX, we have closed both accounts and returned them to our client indicating no further contact to the telephone number/s and address for this consumer. Please note that this action also initiates deletion requests to remove all tradelines on the referenced accounts from credit reporting to the 3 major credit bureaus. We hope this addresses all concerns on the part of the consumer. Thank you, XXXX XXXX, Legal/Compliance Admin

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
XXXX XXXX XXXX sold our loan to First National Bank and IT HAS BEEN A NIGHTMARE trying to make our first payment. Between the terrible website to not being able to link our personal checking accounts to being forced to open a checking account with them in order to pay. We then transferred money and it still does n't show up. We received notice on XX/XX/XXXX that our loan was sold to them and that payment was due on XX/XX/XXXX as well and we have an additional 15 days to pay. Customer service on the phone is wholly unhelpful and they do n't respond to messages on our internal website. Customer Service wait time is a minimum of 10 minutes and have failed with several requests, request to open a checking account was delayed, then denied, then approved, then links to account was unavailable, and they have been unable to track any of these requests nor find them in most instances. Further, when asked if we can pay over the phone, we were told we ca n't pay over the phone until it 's delinquent. So, they are punishing us by getting more late fees. The only suggestion was that we drive to pay in person in XXXX MD which is the closest location. Their unwillingness to work with us and inconvenient/convoluted process seems like one of the fee grabbing activities this bank participates in. So, the fee generating activities do n't stop there, you can not pay your mortgage from an external account, I repeat, I ca n't pay mortgage directly. You have to set up a checking account within the bank, so if you do this in time to dodge fees you still have to fund said account. The catch here is that you can only fund your account a maximum of $ XXXX per day, $ XXXX monthly max, and a {$0.00} fee per transfer. So every month we are already giving them at least {$1.00} to fund an account to pay the mortgage through the bank. This is a scam of a bank and is set up to generate fees and one must exercise an extreme amount of caution to dodge the maximum amount of fees they are attempting to impose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this company made a inquiry without my authorization on XXXX XXXX,2017

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 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: NY

Complaint narrative:
I am not liable for this collection. XXXX XXXX XXXX  upgraded my account with a 2 yr contract in the summer of 2012 even though I would be moving and may not be able to take the service with me. I was told I could cancel without penalty. The salesperson misrepresented themselves and XXXX. Now I am being pursued by XXXX XXXX XXXX XXXX XXXX, PA XXXX There is no paperwork except a recorded sale from XXXX Now my credit is ruined.

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 2017-08-09 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/XXXX I booked and fully paid for a cabin rental with XXXX XXXX for a stay from XX/XX/XXXX-XX/XX/XXXX. 12 days after we departed ( XX/XX/XXXX ) I was charged an additional {$460.00} for " damages ''. We did not cause any damages during our stay. Discover Card allowed the merchant to charge me and refused to reverse the charges after I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: United PanAm Financial Corp.
State: NC

Complaint narrative:
I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

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 2017-08-09 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: FL

Complaint narrative:
Ive already spoken to XXXX XXXX debt collection agency. they have agreed to remove this item from my credit report. but you guys have not removed it from my credit report. here is confirmation from XXXX stating that they will remove item ( complain from CFPB portal ) in regards to XXXX XXXX Company responded STATUS Company responded on X/XX/2017 RESPONSE TYPE Closed with explanation Company 's Response To whom it may concern re. XXXX account # 's XXXX and XXXX : Please be advised that the two open accounts in XXXX XXXX ' name were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumers request for no further contact from XXXX XXXX XXXX , XXXX., we have closed both accounts and returned them to our client indicating no further contact to the telephone number/s and address for this consumer. Please note that this action also initiates deletion requests to remove all tradelines on the referenced accounts from credit reporting to the 3 major credit bureaus. We hope this addresses all concerns on the part of the consumer. Thank you, XXXX XXXX, Legal/Compliance Admin

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 2017-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Promissory Note has city and state as XXXX XXXX XXXX, CA ; property is in XXXX AZ Ocwen came up with a Shared Appreciation Modification that was in favor of Ocwen Forced to sign with a foreclosure hanging over my head Ocwen took 2 payments on that Mod ; I cancelled because of the verbage Ocwen wo n't refund payments and wo n't cancel that modification plan Now Ocwen adds {$220000.00} to the balance of the loan per this cancelled mod Ocwen has done a projection of {$300000.00} higher than the true value of my home Ocwen shows that I applied with them for a short sale when in fact I never have Because of the way this cancelled mod has affected the balance Ocwen denies me modification plan constantly Ocwen 's communication and calculations are entirely wrong

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 2017-08-09 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: MA

Complaint narrative:
FedLoan, a company that " manages '' student loan repayment, has consistently made errors in processing my account and paperwork. I consolidated my loans two years ago and set up IBR and direct debit. I have a considerable amount in student loans ( over {$80000.00} ) and wanted to take advantage of the great new loan repayment options. Every year, I have to submit an updated application and my taxes to calculate the IBR. I did so in XX/XX/XXXX. In XX/XX/XXXX, I received messages that I did not submit my paperwork and my payments would go from {$150.00} to over {$900.00}. I contacted the company immediately and was told that I did n't submit anything. I asked them to look again and they found it. It had been there all along. It was complete and ready to be processed. I sent in the paperwork early because I my job was going to be changing in the summer and I did n't want to have anything else to worry about. My options for correcting their mistakes ( which apparently was on me and not them ) were to go into collections or put my loans into deferment ( with accruing interest ) until they could resolve the issue. I asked the customer service rep if it sounds like I am being penalized for their mistake and her response was " yes. '' I also submitted a public service loan forgiveness ( PSLF ) form in XX/XX/XXXX. It came up on my account, but when I called and asked why payments were n't going toward that program, I was told that they did n't have my paperwork. I asked if I had to resubmit it every year and the customer service rep said no, but I should send another one anyway. I sent it in and it was rejected for not having complete information. As far as I can tell, everything was complete and correct. Now I have to resubmit the form for the THIRD time in TWO years. If I were this incompetent in my workplace, I 'd never get a job again.
Fast forward to XX/XX/XXXX. My first recalculated IBR payment is taken from my bank account. I knew it was coming and was prepared. Then I started getting emails that I had n't made any payments and my accounts were delinquent. I called the company and after a very frustrating phone call, I learned that when my loans were put back into repayment through direct debit, they forgot to include one. I went in and fixed it, but once again, mistakes on their part become my responsibility to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Dear CFPB, Target / TD bank has been reporting a charge off on my credit report for years. I have tried countless times to call Target and have been unsuccessful. The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security. I asked Target to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This Target account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim. Would you please assist me in getting this charge off removed from my credit report immediately? Target has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me! Thank you in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: NC

Complaint narrative:
I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: CA

Complaint narrative:
XXXX-2017 spoke to rep at Trans Union in regards to being a victim of their inquiry issue glitch. I was given the scripted run around. 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 2017-08-09 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: PNC Bank N.A.
State: FL

Complaint narrative:
I OPENED A PNC ACCOUNT THEN PNC BLOCKED MY THAT CREDIT CARD ON XX/XX/2017 I WENT TO THE XXXX XXXX BRANCH AND SPOKE TO XXXX AND SUBMITTED THE XXXX FORM FOR THE IRS AND MY ID THEN THE NEXT DAY I CALLED THE CUSTOMER SERVICE NUMBER TO DISPUTE THE CHARGES SINCE WE NEVER USED THIS ACCOUNT AND I SPOKE TO XXXX XXXX WHO REFUSED UNDER THE FCBA TPO DISPUTE ALL THE CHARGES SINCE WE NEVER USED THIS ACCOUNT SHE REFUSED SAYING NOT TILL THEY GET THE CORRECT DOCUMENT I SENT THE XXXX AND THEY REFUSED TO ACCEPT IT SO I DONT KNOW WHAT ELSE TO DO SINCE THERE REFUSING TO EVEN TAKE MY DISPUTE FOR THE FRAUD CHARGES ENCLOSED IS THE IRS FORM THAT I SENT AND THIS IS CORRECT DIRECT FROM THE IRS BUT THIS SHOULD HAVE NOTHING TO DO WITH ME FILING A DISPUTE AND THEY REFUSING TO FILE ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received this paperwork several days ago. I had no idea what this was for. I called the attorney listed on the paperwork. Their office advised me that a judgment had been ordered against me and they will get their money anyway they can. I spoke to an attorney and confirmed the judgement. I explained I was never served and had no idea what was this was all about. The attorney said he can take the case but will cost {$1200.00}. I do not know why I have to pay for something I have no knowledge of? I never received any paperwork or any phone calls from anybody for any debt. This should be against the law to be harassed at work for something I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

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 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Back in XX/XX/XXXX I had a checking and a savings account with 5/3 bank. I had the checking account set up to automatically send a check out each month to pay a regular bill ( home owner 's association ). I would receive the rent check ( from the people renting ) and deposit it into this account each month to cover the mortgage and association. I had to move out and rented it out to try and keep it when I had no income and had to file a bankruptcy. Well when the rent was late one month, 5/3 still sent a check from my account when there were no funds to cover it without my knowledge. I still had XXXX sitting in the savings account with 5/3. I was never notified of anything and because I was n't receiving rent, I was n't using 5/3. Cut to XX/XX/XXXX when I was working in the mortgage dept of a credit union as a temp. When they offered me a job and i had to go through all of the hiring process. This is the first knowledge I had that 5/3 had submitted my name as someone who writes fraudulent checks to XXXX and then sells the " debt '' ( for a check I did n't write! ). For years now, I not only receive nasty phone calls and threats but they call people in my family and hound them and tell them they are filing charges against me to try to scare them. It is absolutely disgusting! I called and called and went into fifth third, to try and rectify this at the time that I found out about it. Needless to say that when I was desperate for a job, I was not hire-able and lost my job! I only got the run around from fifth third, every location told me to try a different number/ office and absolutely no one in the company could tell me how to escalate anything. It was an absolute nightmare! And it goes on and on! Even if i paid one of these people harassing me, I am told the only way it will ever be removed from XXXX is by fifth third and they will not do it because they do not own the debt anymore. Every time this debt is sold to someone else and they make a query on it, it renews for another 5 years!!!! These people will never stop harassing me and my family. I even filed a complaint with the BBB ( which is a joke ) and they did n't even bother contacting them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I have two different collection companies trying to collect on the same debt. The companies are Transworld Systems Inc. and XXXX XXXX XXXX XXXX. The debt collection is for a medical bill I owe XXXX XXXX XXXX Medical Center in XXXX WA. The amount is {$200.00}. I called the medical center but they could not help because the amount I owed had been turned over to XXXX XXXX XXXX. XXXX XXXX said they were getting a lot of calls about this same issue. XXXX XXXX forwarded my call to another person and I left a message for them to call me on XX/XX/XXXX. They called me back on XX/XX/XXXX and ask that I fax everything to them and XXXX XXXX XXXX collections would not call me or collect from me until something was resolved but that Transworld might call me because they could not stop them from calling me. I faxed them the information on XX/XX/XXXX. I faxed them the " invoice '' from XXXX XXXX XXXX and the collection letter and invoice XXXX XXXX XXXX Medical Center that Transworld System sent me showing the same account number and same dollar amount. I do n't mind paying what I owe, but I am not going to pay it twice and I do not want not paying one and paying the other to effect my credit rating. Also if I had not been paying attention, this might have got paid twice and I would not want that happening to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: DriveTime
State: NC

Complaint narrative:
I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

Company response to consumer: Closed with explanation