vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have repeatedly tried to get Equifax ( to whom I pay for a credit monitoring service ) to correct my address. I have already mailed my driver 's license, SSN card, cover letter, several times yet they keep losing it or otherwise fail to update my information. What is more, the other two major credit reporting bureaus and my two banks and all my utility companies have the correct information on file. Equifax is negligent since they, out of all the other organizations, have the incorrect information. I am utterly sick and tired of mailing the information to them and dealing with them on the phone, to no resolution. Please help and please hold them accountable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: REGIONS FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX called me on the phone, told me my company was pre-approved for their gas card, and sent it to me after a brief phone interview/application. I used the card, never got anything in the mail or email or anything telling me I had a balance owing and how much to pay or to where to send payment. I called the number on the credit card to inquire about this and they said my account was already referred to a collection agency.

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 2017-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America owes me money for overpayment. I have waited on the off chance they would not be as shady as they have been in the past and refund on their own. But unfortunately, they are true to their nature.
In Bank of Americas on written words, in their response to CFPB of a recent complaint I filed through CFPB the following statements were made : This account was closed by the bank, with an outstanding balance due of {$290.00} on XX/XX/XXXX.
They also stated and a quote : On XX/XX/XXXX, Bank of America exercised its Right of Setoff by using the {$25.00} balance recovered from your savings account ending in XXXX and the {$100.00} balance recovered from your checking account ending in XXXX, to offset part of the {$290.00} outstanding balance on your MyAccess Checking account ending in XXXX. The outstanding balance remaining on this account is {$160.00}.
Another lie from Bank of America, as stated in their own written words : We have confirmed that as of the date of this letter, your checking account ending in XXXX was accurately reported to XXXX XXXX The date of the letter was XX/XX/XXXX On XX/XX/XXXX, the balance Bank of America reported to XXXX XXXX was paid in full in the amount of {$290.00}, as reported by XXXX XXXX. Yet in Bank of Americas on written words the balance was {$160.00}. Bank of America owes me {$120.00} for an over payment of the account as Bank of America reported to CFPB and to XXXX XXXX.
Proof of Payment to XXXX XXXX with deliver confirmation attached.

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 2017-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Over 10 years ago, I inquired about the loan forgiveness program for XXXX and or those working in XXXX XXXX, and I was told that I had to make " consecutive payments '' for 10-years, and to call back after all payments were completed - this information was given to me by customer services ( I am not sure which lender I had at the time ).
Well, over 10-years have gone by, and I called back to inquire about the program, and I was told I did not qualify because I had never completed the " proper paperwork '' to qualify. I stated that I was not told that at the time, and that all I should be concerned is " making consecutive payments for 10-years ''. I was told by Navients customer services representative, there was nothing they could do. All they can do is start me on the program and start the program from the beginning - and not taking into consideration my previous payments. I was shocked and sadden to learn I did not qualify for the forgiveness program due to being misinformed - is there anything that can be done? I have thought about getting an attorney, but same that seems useless. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have a Checking Account with PNC. My account became overdrawn because PNC decided to pay for some charges for {$4.00} and {$6.00} and {$10.00} and so on. PNC covered maybe 6 or 7 charges. Yes this was an oversight on my part, however, they should have just rejected the charges, instead they paid it off and charged me {$36.00}. They gave me about 6 or 7 {$36.00} charges and then they charged me and still charging me to this date {$7.00} a day for a continuous daily overdraft fee. That is absolutely ridiculous. If I could NOT pay for a {$4.00} charge why would you charge me more and more daily. Insane. So now im getting all these harassing calls from PNC not to mention my account is now at about {$400.00} in the negative and they are still charging me {$7.00} per day. Can someone please help me out on this. I am a XXXX XXXX and my pay check is deposited directly into my checking account and they know this so that 's why I am being taken advantage of. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
XXXX conducted a 3rd party lease end inspection to my car on X/XX/2017 at my place of work. The detailed report online 2 days later indicated {$0.00} in damage. When I returned the car to BMW they noticed modified suspension and charged me over {$2000.00}. How did XXXX not pick this up 45 days earlier? I was not the original owner of this lease, I assumed it from the original owner ( who failed to disclose the changes ). XXXX must be working with BMW because I Was charged for the inflated dealer labor and parts. When I tried to contact BMWFS they kicked me back to the dealer. When I called the dealer they told me to go to BMWFS. XXXX must be held accountable for some of this mess. If they do an inspection they must adhere to that and not go behind the customers back and change the inspection 45 days later. Why do the inspection in the first place? Or why would BMWFS sublet this out to such a terrible company and then not use the original inspection report???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX account need to be removed from my credit report this information is incorrect- XXXX  XXXX XXXX XXXX XXXX account need to be removed from my credit report because this account is inactive - Comenity bank/XXXX XXXX XXXX XXXX account need to be removed from my credit report it has been past 7 years - ComenityBK/XXXX XXXX XXXX account need to be removed from my credit report - Medical bill was paid after the insurance dispute. XXXX XXXX account need to be removed from my credit report this account is past 7 years - XXXX/XXXX XXXX XXXX account to be removed from my credit report this account has been inactive - XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX account need to be removed from my credit report this information is incorrect- XXXX  XXXX XXXX XXXX XXXX account need to be removed from my credit report because this account is inactive - XXXX XXXX/XXXX XXXX XXXX XXXX account need to be removed from my credit report it has been past 7 years - XXXX/XXXX XXXX XXXX account need to be removed from my credit report - Medical bill was paid after the insurance dispute. XX/XX/XXXX XXXX account need to be removed from my credit report this account is past 7 years - XXXX/XXXX XXXX XXXX account to be removed from my credit report this account has been inactive - XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: GA

Complaint narrative:
The original creditor Hospital is closed. Reporting on 2 credit reports as different names and amounts but both reports show the same address as the debt collection agency. Sent Hippa Validation letter never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This company called my elderly father - has not ever called or left a message for me. They said they were collecting a very old debt that I was ignoring and they threatened that I needed to contact an attorney because they were going to sue me for this " very old debt. '' They identified themselves as " Agent XXXX '' like they were from some government agency. When I called them back they asked for my SSN and would not speak to me unless I gave it to them. I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST XXXX MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN XXXX A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM TERMINALLY ILL WITH LESS THAN ONE YEAR OF LIFE LEFT I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM DEAD SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.

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 2017-08-08 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: MD

Complaint narrative:
I entered two Charge Backs with Chase Bank. A deposit {$3000.00} which I gave XXXX XXXX XXXX for new sails and then {$3500.00} which XXXX XXXX XXXX charged without my consent before delivering the complete order. On XX/XX/XXXX Chase called telling me they had received XXXX XXXX XXXX 's response letter which they were sending me. I was told that I would need a third party to rebut this letter as evidence that the Sails were not made correctly and that I had not received the complete order. I called Chase twice on XX/XX/XXXX telling them I did not receive the letter sent XX/XX/XXXX. I asked for the letter to be emailed or next day mailed. They said they could not do either. I was told it takes 10 business days to get a letter. I called twice on XX/XX/XXXX to confirm I still did not have the letter. The second call on XX/XX/XXXX, I talked to a supervisor named XXXX for 35 mins. I asked him to next day mail the letter. He did not nextday mail the letter. He told me I had 30 days from XX/XX/XXXX to respond. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX I call again and said I did not have the letter. I was told it would be resent and would take 10 business days to get. On XX/XX/XXXX I called three times trying to get the letter. The last person I talked to on XX/XX/XXXX was XXXX. He said he could fax the letter. He said it would take 5 business days to fax it. I did not receive the fax. XXXX told me I had 2 billing cycles to get a third party letter to rebut XXXX XXXX XXXX 's letter. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX, after still not receiving the letter, I found Chase Bank 's Executive Office and talked to XXXX XXXX. She next day mailed me the letter from XX/XX/XXXX which did state, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX. '' Chase failure to get me information I needed in a timely manner caused me to loss my Charge Back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Automated Collection Services, Inc.
State: AL

Complaint narrative:
A rep from this collection agency constantly called my cell phone on X/X/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
I believe Rushcard is scamming customers again. I tried to use my RUSHCARD on XX/XX/XXXX about XXXX. My purchase declined although my direct deposit had just been posted. I called Rushcard customer service right then in XXXX at the checkout counter. An agent told me my card had been locked on XX/XX/XXXX due to suspected fraudulent activity. No one contacted me to tell me about the account lock. The agent says they called, texted and emailed, but I never received ANY type of communication from them. They said they were unable to transfer the funds to my wife ; s Rushcard and the only thing they could do was send me a new card to be activated. This takes 7-10 business days and I ca n't wait that long for my money. They said they could send the card with 2 day shipping, but there would be a {$30.00} charge. I refused to accept this and asked for a supervisor. The supervisor told me they would waive the {$30.00} fee since I was upset. I called them back this morning to make sure my card was getting sent out. The agent got a supervisor on the line because the card had not been sent out yet. The supervisor told me they can not waive the {$30.00} fee so I had to pay {$30.00} to get my new card sent to me. I was told the card would be sent out today and arrive by Thursday. However, at this point, I have no trust in their word whatsoever.They have no right to charge me for this. If I had known on XX/XX/XXXX that the account was locked, I would have had time to get the new card before my direct deposit on XX/XX/XXXX. Why would they lock my account and not send a new card right away? I plan to cancel my account as soon as I can get my money out of it. Please investigate this business as I know they wrongfully locked customers accounts in 2015. I have not seen any type of fraudulent activity on the account whatsoever so I fell like this is a cover story for their mistakes. To put the icing on the cake, Rushcard was able to deduct their monthly fee while the account has been so called " locked '' and unable to withdraw from. Due to this issue, I am unable to buy groceries or pay bills for my family. I have XXXX children and a wife to provide for. There is over {$900.00} in my account and I ca n't access it until I receive a new card by mail.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I attempted to use the automated system to make my auto payment with Chase ( as I have done for over two years ). Chase has put a restriction which prevents me from making my payment. This is because I requested they stop calling me at work. I called the number in XX/XX/XXXX, verified my account, social security number and make of vehicle. A Chase representative answers the telephone. I provide the same information again. The representative would not assist me because I would not give him my full birth name. This should be easily verified, since Chase states they record telephone conversations. There is nothing in my agreement that state I have to give you my birth name, especially since I provided my first and last name, social security number, account number and make of vehicle. The person then hung up on me. Chase denied me making the payment on time, because I requested they stop calling me at work.

Company response to consumer: Closed with explanation