vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bank with BBVA Compass and have been with them since they bought out my previous bank XXXX. In total, I have been with them for 14years. BBVA Compass charged me two overdraft fees on two seperate occasions on pending debit transations that were not cleared leaving my account balance in the positive. 

The current charge I am refering about happend on XX/XX/XXXX. My paycheck was electronically deposited into my account the next day before the pending charges cleared keeping my balance in the positive and I was charged a NSF charge on XX/XX/XXXX after my check was in my account. The last balance my account shows prior to my check being deposited was a positive balance of {$53.00} When I reached out to BBVA compass questioning the {$38.00} NSF charge via their banking app, I did not get a response from them for about a week and half. In the intrem, pending their response, I called the local branch where I was refunded the {$38.00} on XX/XX/XXXX. I finally received and email stating I had received a respone to my message. The message did come through on XX/XX/XXXX and it stated that the charge was vaild and I would not be refunded the {$38.00} NSF charge. I responded questioning how could they charge me a NSF charge when my account balance never went negative but that I had worked it out with my local branch and the money was refunded. On XX/XX/XXXX I get a response via the banking app stating " We understand that your account was reflecting a sufficient balance at the time the debit was drafted from the account. However, when the debit posted to your account, there was a pending balance. The amount that was pending was a total of {$67.00} on XX/XX/XXXX, for your account ending in XXXX. as a result the available balance was not suffiient enough to cover the following debit : 1. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Due to this, the charge is valid. However, we have extended to you a courtesy refund in the amount of {$38.00} as of XX/XX/XXXX. '' I responded with I had a pending incoming ACH deposit ( my paycheck ) for {$1300.00} that my company sent out on XX/XX/XXXX and was pending until it cleared on XX/XX/XXXX ( before the NSF charge was received ). Which is why I beleive I was refunded the NSF charge as a " courtesy. '' I then received a message on XX/XX/XXXX stating my complaint has be submitted to an Escalation Specialists that would contact me withing 24-48hrs. I did receive a call and was unable to answer due to work, and due to XXXX  holiday I havent been able to return their call until today XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been paying my loans and have bank statements as proof of payment. I have not been reimbursed. As per Navient company they have not received any payments since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: VA

Complaint narrative:
I am writing because I am currently experiencing financial hardship and would like to find a way to freeze credit reporting for the month XX/XX/XXXX. As you are aware, annual funding for part of the Federal Government expired on Friday, XX/XX/XXXX. Certain Government activities ceased due to a lack of appropriated funding, and designated pre-notified employees of the federal government agencies would be temporarily furloughed. Request to all three of the National Credit Reporting Bureaus to freeze monthly credit reporting for XX/XX/XXXX. My problems began XX/XX/XXXX, when as a current Federal Government employee and because of a lapse in appropriations of the Federal Government Budget my employer the XXXX XXXX XXXX ( XXXX ) curtailed certain activities. The United States Congress annual appropriations fund salary payroll and is suspended by law. XXXX employees who perform non-excepted work paid by the lapsed in yearly budgets must be furloughed. 
I am not trying to avoid my responsibilities, I am seeking NO NEGATIVE ( reporting " Late '' by the Three Major Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing because I am currently experiencing financial hardship and would like to find a way to freeze credit reporting for the month XX/XX/XXXX. As you are aware, annual funding for part of the Federal Government expired on Friday, XX/XX/XXXX. Certain Government activities ceased due to a lack of appropriated funding, and designated pre-notified employees of the federal government agencies would be temporarily furloughed. Request to all three of the National Credit Reporting Bureaus to freeze monthly credit reporting for XX/XX/XXXX. My problems began XX/XX/XXXX, when as a current Federal Government employee and because of a lapse in appropriations of the Federal Government Budget my employer the XXXX XXXX XXXX ( XXXX ) curtailed certain activities. The United States Congress annual appropriations fund salary payroll and is suspended by law. XXXX employees who perform non-excepted work paid by the lapsed in yearly budgets must be furloughed. 
I am not trying to avoid my responsibilities, I am seeking NO NEGATIVE ( reporting " Late '' by the Three Major Credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XX/XX/XXXX I refinanced my student loan debt with Navient ; at first the total payment each month was reasonable. However, after updating my account ~ 6 months after my loan closed to add direct debit, they increased my interest rate. At the time, I was very young and despite multiple calls to refute the increase citing that the only thing that changed was adding a direct debit which was, in fact, a bonus for them, they refused to change the rate. Now, ~10 years later, after actively reading up on on predatory practices performed by these vendors I realize I was a victim. My goal in reporting this complaint is simple - I want the original rate honored and the over payment Navient has received in error to be applied to my account. I am lucky enough to be able to pay for my loans each month ; I am disputing that. However, I grew up in extreme poverty and loan debt was the only way for me to achieve my college dreams. I had no financial support and no guidance and was taken advantage of by this company. Now as an adult, I am outraged. In the grand scheme of things my issue is not as egregious as some cases I have read about, but it was unethical and predatory and should be addressed. 
I currently owe {$30000.00} on a {$50000.00} loan -- they have received over $ 20K in principle to date. I have been paying on the loan since XX/XX/XXXX. I did take a grievance period in XX/XX/XXXX-XX/XX/XXXX due to a high expense for dental work that I could not afford and was not covered by insurance due to the problems typically being addressed in adolescence. I hope you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX i called bank of America customer service number to ask for my account number because i was on my way to file my XXXX taxes. After weeks went on i noticed i didn't get my money back. I called the IRS and they said the money was deposited in the account. The number the guy on the phone gave me was the wrong account number. I went to bank of America and they send me to the IRS and the IRS sent me back to bank of America, this back and forth went on for months. During the time i found out i was expecting a baby. The IRS told me that its bank of america 's duty to inform the account holder that the wrong amount of funds was deposited to he or she's account but bank of america said they cant say anything. I looked into hiring a lawyer but the lawyer said their fee would cost more than the amount of money i was trying to get back. Needless to say i lost my whole tax refund that year all XXXX dollars. The bank of america rep that i spoke to said i could've never got the number from one of their workers. This situation took a lot out of me at the time emotionally and physically. They were inconsiderate and lack empathy. I have never had my tax refund direct deposited since because of fear that this might happen again. I would appreciate any help or information that you guys can offer on this matter. 
Thank You

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 2019-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
HAD A MEDICAL BILL THAT WAS PUT TO COLLECTIONS AND WAS PAID SHORLY AFTER, ASKED COMPANY TO REMOVE DEBT FROM CREDIT REPORT, THEY TOLD ME THEY CANT DO THAT THEY JUST REPORT ON WHAT IS OWED, MORE THAN 4 MONTHS HAVE PASSED AND DEBT IS STILL SHOWING ON MY CREDIT REPORT AS OWED, COMPANY STILL FAILS TO REPORT THAT DEBT IS PAID. I CONTACTED MY REPORTING COMPANY AND THEY SAID I NEED TO GET THE COMPANY REPORTING THE DEBT TO REPORT THAT IT IS PAID

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 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and XXXX over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and XXXX reached an all time high and I became XXXX XXXX unable to function as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an XXXX  report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.

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 2019-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: WA

Complaint narrative:
NEVER REC ANY DUNNING NOTICE, ONLY NOTICE WAS MAILED TO WRONG ADDRESS, FOUND OUT ABOUT ACT FROM CHECKING CREDIT, CALLED BONNEVILLE TO NOTIFY NEVER HAD CHANCE TO PAY OR DISP BILL AND THEY DIDNT CARE. UPDATED MY ADDRESS WITH THEM, THEY SAID THERES NOTHIN THEY COULD DO AND STILL DIDNT MAIL ME NOTICE WHEN GAVE THEM UPDATED ADDRESS. LEFT NO OPTIONS, FELT FORCED TO PAY BIF W/O CHANCE TO DISP OR EVER SEEING ANY DUNNING NOTICE. I DEMAND DELETION. HORRIBLE ACT MANAGEMENT, ILLEGAL TO REP TO SOMEONES CRED W.O GIVING THEM A FAIR CHANCE TO PAY A DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: RI

Complaint narrative:
PNC Bank has promoted and advertised a rewards program promising that points earned by using their card will result in gift cards and cash however PNC Bank 's rewards program is a fraud. I have requested redemption of my points in the last 60 days approximately to redeem points for gifts cards and have never received them nor have I gotten a reasonable response from the firm explaining why I have not received the cards. 

In the past PNC has stated that the cash I redeemed but has never provided documentary evidence that the cash actually was credited to my account. In this case, I decided to request physical gift cards totally {$100.00} and still have not received the cards even after calling customer service about the mailing and receipt of the redeemed gift. This is obviously a fraud and false advertising. 

My PNC card ends in XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: OK

Complaint narrative:
Transunion received a letter from creditor that account has never been late then the creditor changed it back I have called and argued for six months and transunion will not provide any documentation ( XXXX   XXXX Account ) Opened 2018 ending in XXXX And a Bankruptsy is reporting in Public Records and no proof has been provided as required by law

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 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In Need bank of America to respond to my petition to send me a RESPALDO AND TILA FROM THE ADDRESS XXXX XXXX XXXX XXXX FLORIDA XXXX I REQUESTED THIS BEFORE AND THE BANK HAS FAILED TO COMPLY WITH FEDERAL LAWS MY NAME IS XXXX XXXX   XXXX XXXX. 

I'm requesting especial acomodacin under the American XXXX  Act for tilted 1 to 5 under the United States Department Of Justice

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 2019-01-22 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is my second complaint on this website against Shellpoint mortgage servicing. The first complaint { XXXX } was issued on XX/XX/XXXX. Shellpoint replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report. 
Today is XX/XX/XXXX, Shellpoint has done nothing. Shellpoint is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed Shellpoint that I am attempting to purchase a new home, and I need the lateness 's removed. Shellpoint has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done. 
If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up. 
Attached please find Shellpoint 's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and stalking over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and stalking reached an all time high and I became XXXX XXXX  unable to function as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an Equifax report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and XXXX  over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and XXXX  reached an all time high and I became XXXX XXXX XXXX XXXX XXXX as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an XXXX  report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.

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