vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing dishonest employee XXXX XXXX DOES NOT properly investigate consumer complaints, her position is to deny any wrong doing to cover up the pretender lender loan servicer 's abusive loan servicing practices. We will address this issue in court with evidence. On XX/XX/XXXX, dishonest opposing counsel XXXX XXXX responded to my ( " CFPB '' ) consumer complaint honoring my request for Ocwen Loan Servicing and its dishonest employee XXXX XXXX to CEASE AND DESIST ALL COMMUNICATION WITH ME. On XX/XX/XXXX, Defendant troubled Ocwen Loan Servicing and defendant dishonest employee XXXX XXXX are guilty of violating my CEASE AND DESIST ALL COMMUNICATION DEMAND. Dishonest employee XXXX XXXX violated my CEASE AND DESIST DEMAND by directly communicating with me in writing failing to properly direct my consumer complaint to its dishonest opposing counsel so he can directly communicate with my attorney of record. On XX/XX/XXXX, dishonest opposing counsel responded to my ( " CFPB '' ) consumer complaint denying any such CEASE AND DESIST ORDER, once again, attempting to shift the blame on the plaintiff. We will address opposing counsel and XXXX XXXX troubles in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I incurred {$25.00} late fee on XX/XX/XXXX on my last statement XX/XX/XXXX. I called customer service on XX/XX/XXXX and explained that I requested the Bank of America representative to set up an auto pay for my card so that I don't be worried about late fees. The representative didn't accept my explanation and insisted that the fee will stay. I requested to talk to supervisor, after holding for sometime, I talked to XXXX, she backed up her colleague and did not pay attention to what I am explaining. She said that the fee will stay and I must pay it. I asked to talk to a manager, XXXX said manager only have administrative authority and can't reverse the fee and it takes 2-3 business days for them to call you back. I accepted and gave my phone number and requested to talk to manger. Since I haven't received any call. I am very dissatisfied with Bank of America and want them to reverse the late fee ASAP. 

I told them even I have relation for 14 years and I am preferred member, I am considering to close my all my accounts with them. XXXX did not care at all. 

I want a responsible person to call me and explain me the reason for such a poor customer service and unjust fee. 

Thanks, 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 monetary relief
Consumer complaint received 2018-06-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Equifax on several occasions, filing a direct dispute with them. The last one being in XX/XX/XXXX. Equifax stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached my payment history showing this again. I believe Equifax is not actually doing an investigation and just running it through their XXXX system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Compass bank must of altered their sign in webpage because of " years '' of being able to log in, i suddenly was unable to on or about XX/XX/XXXX. I spent a great deal of time trying to reset this and that according to their webpage. I found myself in a futile loop. I then called the number ( s ) and spent a great deal of time going through extensions, hanging up and recalling when i got to dead ends. I found myself in a futile loop. When i finally got a person on the line, i spent more unnecessary time with him. I followed all the instructions and again " we were in a loop ''.

The problem is that the security question page is faulty for the form field options of questions 2 and 3. See pic attached. The compass guy said he would get this fixed and contact me. But I have heard nothing. 

I sent complaint to XXXX banking people and told me to contact the XXXX banking people. The XXXX banking people have not responded to my email. I made some more calls to Compass bank and i ultimately get " beeps '' and no sounds. I have to then hang up. I sent Compass bank an email using a previous email address i got from them regarding another complaint last year or so. But I got no response. I again tried to log in and then recall Compass, and i am getting nowhere and nothing. Compass bank has intentionally kept me away from reviewing and monitoring my account via online, for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
To Consumer Financial Bureau Compalint against XXXX XXXX. 

We used care credit for a patient XXXX XXXX. His " uncle '' XXXX XXXX had the care credit account. When we printed the form we found out that XXXX XXXX was not authorized to sign. We contact XXXX XXXX and he was added to the account my XXXX XXXX. On XX/XX/XXXX we called and spoke to care credit and it was verified that XXXX XXXX was authorized to sign the form. 

Sometime in XXXX XXXX XXXX and XXXX XXXX had a falling out and XXXX XXXX complained this was a fradulent charge which is not true. XXXX XXXX called care credit to state this. Phone calls were recorded. Care credit now state because the form was printed on XX/XX/XXXX and not reprinted on XX/XX/XXXX that XXXX could not sign. They could have informed us in advance of the need to reprint the form. They tried to remove the funds from XXXX XXXX XXXX a XXXX XXXX Corporation which we have protested. 

When they could not get the funds they proceeded to try and debit a different corporation XXXX XXXX XXXX XXXX, XXXX a XXXX XXXX corporation. This would seem to violate banking laws to take money from one coroporation to pay disputed funds of another. This crosses state lines as well. 

XXXX XXXX uses these predatory practices against the merchants. They should honor the payment and be subjected to fines and investigation for the cross corporate attempt theft. 
Also many phone calls etc

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 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I talked with Portfolio Recovery about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from Portfolio Recovery dated XX/XX/XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that Portfolio Recovery having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to XXXX XXXX, I was only an AUTHORIZED USER and not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have had multiple accounts with Citibank for almost 10 years and my accounts have always been in good standing!!! They just raised my credit line to {$31000.00} on my gold card which I use for everything!!! They closed my account at an executive level, all my accounts with no notice or no reasoning why!!!! I am completely confused and can get no answers from Citibank. I am completely blown away by their actions. I have excellent credit and this is mind-boggling to me. I would like to know why they did this to me!! Citibank 's customer service is of no 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 2018-06-07 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: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I had to undergo go XXXX  XXXX and I have been to " XXXX XXXX XXXX '' and all affiliated entities with my insure information countless times over the past few years. However, every time I look at my credit they have filed yet another collection against me for the same things my insurance WOULD HAVE covered had they ever filed it with them. I do not feel I am responsible sense the debt is due to their negligence. Also, my education loans have been with a 3rd party lender sense XX/XX/XXXX & XX/XX/XXXX there should be no delequent accounts with department of ed. And last but not least, I have no clue what 90 % of the hard and soft inquiries on my credit reports are from. I do not apply for loans or credit cards like that. In fact I took out my first loan aside from the truck I got this past XX/XX/XXXX, last month. Please help me fix all this its been hindering me for far far too long. I am and have been a single mom for going on 10 years now. The ex has been locked up all this time so its just me financially and I can't do a thing with this nonsense on my credit. I've tried repeatedly to do it myself to no avail. Thank you for your time

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 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018, around XXXX we made 3 deposits to the BB & T bank ATM in the amounts of {$1800.00}, {$5000.00}, and {$5000.00}. When making the last deposit, the ATM shut down, did not return the money, nor post on the account. We made calls to BB & T and filed for fraud. The fraud report was denied because agent said that the bank ATM balance was correct and there was no discrepancy in overages. The agent refused to view surveillance footage of the ATM to confirm no internal theft took place. At the deposit, we were driving a XXXX XXXX XXXX XXXX note and made 3 separate deposits. The missing deposit was in {$100.00} bills in cash. The Bank refuses to investigate the situation further. Attempts to resolve through bank failed. Will not provide any footage of ATM audit or relevant facts. ATM is supposedly serviced by XXXX and they claimed that there was no surplus deposit in the ATM. 

In the fraud filing process the agent took down the incident wrong multiple times to the point that we had to go to the branch and file a new fraud claim. The bank refuses to do anything about the lost deposit and refuses to admit that internal theft is at play. They will not look at video or investigate the situation.

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 2018-06-07 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: FL

Complaint narrative:
Without any notice, debt collector XXXX XXXX XXXX placed a collection on my personal credit report even though the age of the debt was very old. They didn't allow me at least 30 days to dispute the debt as it doesn't belong to me, but to XXXX XXXX XXXX. Bank statements from the original creditor doesn't even have my name anywhere on it. I feel they deceptively did this to pressure me into paying for something that I am not responsible for. I don't even know where they came up with the amount they say I owe. 

On XX/XX/2018 I have sent them a certified letter stating that the debt is not mine and requested documentation to showed that I personally agreed to be responsible for the credit card, but they never responded to me. 

There actions have caused me financially as I am unable to get decent credit for myself and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GREAT WESTERN BANCORP, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX I opened my checking account with Great Western with {$3500.00}. Starting in XX/XX/XXXX, sometime before the XX/XX/XXXX I tried to enroll for online access. I continuously got error messages. I emailed the company XX/XX/XXXX. They told me to call. I did so, and was told I could try again. It seems my account had been flagged for fraud and a hold was placed. After they confirmed my identity they told me the hold had been lifted. It was not. I exchanged more emails from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I tried again and called. My access was still barred.

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 2018-06-07 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: Lending Club Corp
State: MN

Complaint narrative:
They continue to call the office. They do not provide information and hang up when we ask for anything. They leave voice messages on the company line when we do not answer with no information just to call the XXXX number about an employee

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
MY PROBLEM IS THAT SANTANDER CONSUMER IS RECEIVING PAYMENTS FROM ME BY CHECK AND ACCESSING THE FUNDS AS " XXXX XXXX XXXX '' AS AN ELECTRONIC CHECK WITH NO INFORMATION OF PHONE OR ADDRESS i SPOKE TO OFFICALS THER E AND THEY DID NO GIVE ME A SOLID SOLUTION OR REASON FOR THIS AS THEY ARE LOOKING INTO IT. 

( YOU MAY PUBLISH THIS COMPLAINT AND THE RESULTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My husband, XXXX and I, sent an investigation request to Equifax back in late XX/XX/XXXX. XXXX received the results of his investigation weeks ago. However, Equifax has not forwarded me my investigation results yet. They were supposed to respond within 30 days, and they have not. I am certain that they received our request, because my husband received notice of the items that were corrected on his report. Despite two follow-up letters, I still haven't received anything in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit Bureau in violation of Several FCRA aswell as the 49 CFR 801.56 and the GRAMM-LEACH-BLILEY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX-XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX-XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 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: KY

Complaint narrative:
On XX/XX/XXXX I called Equifax and spoke with a representative named XXXX about why this unverified inaccurate Bankruptcy was not removed from my credit report, after sending them the supporting documents from XXXX. After speaking to her supervisor she suggested that I call XXXX and have them submit something by fax saying they DO NOT have this bankruptcy on my file. I immediately called XXXX and spoke with a representative by the name of XXXX ( ID # XXXX ), she informed me that Equifax can access their data base and see anything they needed. XXXX wanted to investigate the issue more and asked to call me back within 24hrs.  On XX/XX/XXXX while waiting, I called Equifax back and spoke with a representative named XXXX, she said in order to have this bankruptcy removed from my credit report XXXX needs to send them the code to have it removed. While on the phone XXXX from XXXX called back at XXXX and said once Equifax submit the dispute then they will respond to them and give them the information needed to remove it. 

This bankruptcy has been disputed multiple times since XX/XX/XXXX, when I received the resolution letter from XXXX. XXXX and Equifax need to stop playing the blame game and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX, I talked with XXXX XXXX about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a Discover Card opened in XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from XXXX XXXX dated XXXX XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that XXXX XXXX having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to Discover Card, I was only an AUTHORIZED USER and not responsible for this debt.

Company response to consumer: Closed with explanation