vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have had a checking and savings account with Citizens bank for several years. I have a Green checking account, and have always kept {$2000.00} in the account. Citizens bank changed the account sometime in XXXX, and never sent me any notification by mail, They just started charging me a fee of {$9.00} each month. I called customer service, and they said that they mailed me a notification in XXXX. I asked when in XXXX because I never received any disclosure or notification. The agent could not tell me the date. I work for a XXXX, so I know that this documentation is readily available. The agent, then said she could remove 2 of the service fees. I said that this was unacceptable, and requested to speak to a manager. I spoke to the manager, who then said that the notification was on my estatement on page 2. I explained that I've never seen this before. She tells me that there is nothing that she can do. I told her that changes to an account should be mailed even if a customer has estatements. I advised that I would be contacting the CFPB because this is an unfair practice. I am making deposits to the savings account every 2 weeks, and I could have easily deposited a portion of those funds to the checking account.week. I just want my funds returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
When I applied for a loan mid XXXX, the underwriters said I had a judgement and owed XXXX to Tower Loan. I had no idea what they were talking about. I called Tower Loan and demanded a written letter saying my balance was paid and the judgement was an error. The supervisor gave me a letter and I sent it to the underwriter. She also said they would remove the judgement in public records. One week later it was still there and my credit showed a XXXX balance with Tower Loan. I called the attorney that submitted the judgement for Tower Loan dba XXXX. He apologized and said he would remove it. I reminded him that I was not notified of the judgement and the loan was paid XX/XX/XXXX in full. Tower Loan continued to list the XXXX balance with the 3 credit agencies. The judgement was removed yesterday, XX/XX/XXXX. And now the credit agencies say the loan was a charge off/bad debt and was paid between XX/XX/XXXX and XX/XX/XXXX. It looks like I had the debt and quickly paid it off when in fact the debt was fully paid inXX/XX/XXXXXX/XX/XXXX. I want Tower Loan to stop posting inaccurate and false information to the credit agencies. My scores fell 10 to 15 points because of false information! They also ran my credit without authorization 5 times!!!

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 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called Chase again today to discuss how many fees they have assessed to my account, which since XX/XX/XXXX has been 12 fees total. That's {$400.00} in fees in one month. I am extremely frustrated. Their team keeps reiterating that they can't return any of the fees, but they also can't stop the automatic payments that are causing them. I opted opted out of overdraft protection. My card is supposed to be declined if I do not have the funds. I asked the customer service representative, " So you're telling me the only satisfactory way for me to have a relationship with Chase is to close my account or just never use my debit card for anything which is absurd, why even have it? '' She said, " Yes. '' So at this point, they haven't contacted me yet since the last consumer complaint, I just want the fees refunded and I want to close the account. I've never in my life had so many problems with one bank. They've also consistently informed me that there's no way for them to stop these automatic payments, but based on what I've read on the ConsumerFinance.Gov site that's not true. They just haven't been forward about telling me how to stop it which would mean putting a stop payment on each merchant. That's shady. They are not interested in helping their consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
We were in the process of paying off our mortgage with Quicken Loans. We looked on the website to attempt ordering a payoff quote or identifying the wire instructions, but they don't make them available to the customer. Now I understand why, we called and as soon as that payoff was ordered, we were assessed a {$25.00} fee for ordering a payoff, not to fax it or email or send it overnight ... Quicken charges all their customers {$25.00} for just ordering a payoff statement. Their practices seem very deceptive and unfair to the customers, as they don't provide info on their website, but force their customers to call in and charge the fee. 

We have attempted to resolve the issue with Quicken, but they are refusing to refund us this unreasonable fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: FL

Complaint narrative:
A lawsuit was filled in the county court for a debt that I have never received written notification for. When I go on my credit report, its there but with vague information, not saying anything other than XXXX, which I had one account with that was taken care of years ago. It also states that this account was opened on XX/XX/XXXX but the date of first delinquency is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I never received anything in the mail saying that I needed to pay. I saw it on my XXXX XXXX  but never received an official letter. I don't mind paying, I just need a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX {$4000.00} worth of fraudulent charges were made at XXXX XXXX and XXXX XXXX stores with my Chase credit card. 
On XX/XX/XXXX upon discovering the charges on my statement I called Chase to report the charges and communicated I did not know where my card was. The account was closed and Chase sent a new card. 
On XX/XX/XXXX Chase mailed a letter stating that I was responsible for the fraudulent transactions. 
I called to inquire and submitted the claim for a review. 
On XX/XX/XXXX Chase mailed another letter stating that the transactions were still valid and I would be responsible for them. 
On XX/XX/XXXX I filed a police report after Chase asked whether I had filed one. I submitted the claim for 2 more reviews and on XX/XX/XXXX and XX/XX/XXXX Chase mailed letters stating the transactions were still valid and I would be responsible for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Loan paid in full. Have requested negative marks to be removed multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I sent in a police report where this was notified as identify theft. I shouldn't have to pay for anything that I didn't do and I already have an active XXXX 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 2020-02-05 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom concern, I contacted capital one via mail and asked to validate a account that they say is mine. I requested that they capital one send me the following proof as they are obligated to do in accordance with the debt collection practice act, section 1692g under the law they have thirty days to supply proof, capital one did not instead placed a disagreement code with a resolution of dispute on credit file, that is not what the law says, I have not received validated information as i requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: FL

Complaint narrative:
A lawsuit was filled in the county court for a debt that I have never received written notification for. When I go on my credit report, its there but with vague information, not saying anything other than Citibank, which I had one account with that was taken care of years ago. It also states that this account was opened on XX/XX/XXXX but the date of first delinquency is XX/XX/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
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
i filed my taxes recently and i just downloaded the XXXX  XXXX  app and it broke down my credit and it shows my current credit card that i make payments towards. Then it shows a second, From a Card Company that I DO NOT HAVE, OR OWN A CARD TO. This card has a {$300.00} limit and was opened XXXX of 2018 it says. The Account Status says OPEN still. My Credit Score has taken a major hit because i also saw that it has LATE PAYMENTS. 1 30 Day late, 1 60 Day Late, and 3 90 Day Late history details and on my On Time Payment history with my Cards it shows only 5 missed all from this card resulting my credit score to tank which i have never seen this card in my life and i have had my personal in my wallet for 5 years so this is really scary to me i dont want to be a victim, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My car was repossessed XX/XX/20 The creditor told me I have till the XXXX of XXXX to fax a paper and give them XXXX and they extend my contact 2 months. Today XX/XX/20 I went to go pay and fax over my things to pick up my car which was 30 mins away since the XXXX it been gone and I was never notified my car was going to Jersey.Repo tells me they claimed my car and took it like 200 miles away and now the auction place is saying I can't have my car but I have to pay transportation parking and they made a key for my car. How am I responsible if my car not supposed to be sold until XX/XX/20. they rushed it and someone somewhere is violating my rights. People shouldn't be treated like this. At least be fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
Dear CFPM official, I opened an checking account with HSBC in XXXX, 2019. The bank advertised a promotion that if XXXX is directly deposited into the bank for three consecutive months, there will be {$750.00} sign on bonus. I set up the direct deposit immediately after the account opening and ever since saves more than $ 70k. I was also informed by the HSBC customer service in writing that the requirements for the bonus has been met and I just need to wait to receive the bonus.. 
I have never received it. After repeated inquiry, I was informed by another HSBC team that I was not eligible because one of the requirements is the first $ XXXX must be deposited within the 1st " calendar '' month after the account opening. This is a ridiculous requirement since the account was opened in the middle of a month and the payroll of my company, or probably any company, need time to process the change of the destination bank of the direct deposit. I consider this requirement unethical and intriguing. I kindly request HSBC to grant the reward. 
My checking account number is XXXX and my name is XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have made over 36 on time payments for this fifth third card, I got a notifications from Fifth Third that the payment system was down to pay my XXXX bill. I submitted the payment the following day and have proof that I submitted it on time before the cutoff, however, I am now noticing a late paymet on my credit report. I would like to formally dispute this error and have this late payment removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom concern, I contacted XXXX XXXX via mail and asked to validate a account that they say is mine. I requested that they XXXX  XXXX send me the following proof as they are obligated to do in accordance with the debt collection practice act, section 1692g under the law they have thirty days to supply proof, XXXX  XXXX  did not instead placed a disagreement code with a resolution of dispute on credit file, that is not what the law says, I have not received validated information as i requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
At the beginning of XXXX, I went to send my son XXXX XXXX some money when I tried to send it, my account was blocked from receiving and sending. I was a little taken back when the customer service gave me a code 1007 and told me to call the western union. I called WU on XXXX and they gave me an email XXXX and I sent them all of my information, new address, date of birth and everything else. There is not a number to call and speak to someone in that department. So basically one is sharing personal information with an email. I would really appreciate some response. Very disappointed they still have yet to call me and explain that my account has now been unblocked. I have worked so hard and I send money at all times, still have not heard from anyone. I started from XX/XX/20 through to XX/XX/20. I have spoken with an XXXX XXXX also, I am very concerned not getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Huntington Debt Holding LLC
State: KS

Complaint narrative:
On XX/XX/2020, I was contacted by XXXX XXXX from XXXX XXXX XXXX on behalf of Huntington Debt Holdings, LLC. XXXX XXXX called my cell phone twice within 5 minutes ( XXXX CST and XXXX CST ) and called my work immediately after looking for me. 

Upon answering the call at my work, I attempted to work out an agreement with Mr. XXXX, but he indicated that my account was in " garnishment '' status. I questioned this, as no legal action had not yet been served, nor a judgment levied against me. I probed this further, and said that there could not be a garnishment against me, as there had been no legal proceedings. 

Mr. XXXX then threatened me with legal action, saying it was " in garnishment status '' because the State of Kansas  would just go ahead and approve their claim. I countered this with " well, since it was not presented in court, no garnishment could occur as of yet. '' Mr. XXXX then became very defensive, saying that I " took merchandise without paying for it. '' At that time, I demanded to speak with a different person, as I did not approve of his tone or professionalism. 

I spoke to a different representative at XXXX XXXX XXXX, and we came to an amicable agreement to pay the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Im never late with no miss payments, perfect tract record. Mortgage due XXXX of mo. 

XX/XX/XXXX received an increased mortgage payment options due to another shortage in escrow acct. 3rd year in a row ( taxes and insurance barely increased ) Increased over $ 120.59mo I battled with company to find out why because it seemed unjustified until XXXX and accepted their decision saying it was correct. 

Paid new amount {$2400.00} for XXXX payment, turned out to be wrong amount. ( no message or letter saying it was wrong ) Paid same new amount {$2400.00} for XXXX payment then I sent an additional {$65.00} amt to increase it ( before XXXX ) because I figured out it was wrong ( turns out it was still not enough ) ( again no message or letter saying it was wrong ) Received bill for XXXX showing a huge amount due. And received a letter saying if Im having problems please contact them. Seemed weird so I called to make sure this wasn't just a common letter to everyone. Well turns out it wasn't!! 

After over 2hrs on the phone, not only were my payments wrong, the mortgage company charges me 2 late payments and applied my XXXX payment to the escrow deficit without my permission or knowledge!!! 

They have apologized and reversed everything so they say but if I had not pushed the issue, I dont know what would have happened to my loan without great trouble to my credit, housing cost and loan status. I am writing this to make sure an oversight committee reviews their records of mistakes and escrow holdings and use because this is very serious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group
State: CA

Complaint narrative:
Third party stated on XX/XX/XXXX XXXX XXXX XXXX was at {$22000.00} and they would manage to bring it down to {$8000.00} as long as I payed a {$4000.00} entry fee and agree to pay a monthly fee that is do to change depending on my yearly income for 10 years. I agreed and went on paying for 2 years a monthly service fee of {$39.00}. Coming to the third year of renewal they stopped pulling money out of my student bank account on XX/XX/XXXX I called and they wouldnt answer I decided to check my email to see if they notified me of company change but instead read an email stating Arete financial freedom was being sued. I proceeded to call XXXX XXXX they stated my account was being stopped every year since XXXX and that it was a fraud. They advised me to put a complaint and enter their program of repayment.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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