vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TN

Complaint narrative:
Requested Deville Asset Management to verify debt they sent me someone else 's private information. I requested the company respond within 30-days but there was no response. Since there was no response I contacted company in attempt to discuss previous sent lettter. The representative answered the line and immediately became very defensive with his words and would not let me speak. He refused to listen to any thing I was stating. He said my phone call was a waist of time and that he was not removing debt and I can notify anyone I want because he didn't care. After he finished I asked if I could speak to someone else because he's too defensive. He said no. He was very rude and unprofessional from the start of the conversation. 

Why is he so defensive? when they sent me the incorrect information. They exposed someone's private information to me. 

And yes they should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
My deceased husband leased a car I made payments when the lease was up after dealing with XXXX Bmw over 20yrs I decided to buy the car. I left without the car. I sent an email to the manager that I had second thoughts I wanted out. I get to the dealership and the salesman says its to late I said well i was turned down for credit. My credit was highjacked. They didnt care not their problem. I called Bmw headquarters they put in a complaint and told me to try and deal with the dealership. I tried they would not return my phone call, the customer service was nasty with me finance would not call me back. They sold me a car for XXXX that I can only sell for XXXX. I can not be bullied into this car. Then after all these company 's turned me down, then Bmw financed the car they have destroyed my credit even further. 
I can not afford the car but I can not afford to have it repossessed because they will put a lien on me for the balance the car has XXXX, XXXXXXXX XXXX   its a XXXX. I need help thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
i had submitted an police investigation to the bureaus for my credit report because of identity theft on my credit report and has not heard anything as of yet.i have attached documents from the police department doing my investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim for fraud through Bank of America for transactions from XXXX XXXX That I did not make or authorize they have denied my claim several times I also called one of the merchants XXXX and they just realized that one of the transactions were fraud And stopped the card from being used and refunded my money although Bank of America will not refund my international feet or any of the other international fees if they are charging me or any of the other transactions that I did not to do or authorize I have been going through this for two months now and its nothings changed

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 2020-02-12 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: TX

Complaint narrative:
I returned to a merchant ( Amazon ) 3 of the same items on XX/XX/2019 each costing {$470.00} and weighing 5.85lbs totaling {$1400.00}, but instead got refunded on two wrong item costing less {$130.00} and weighing less 3.80lbs from the original order - which in fact were never among the items I informed the merchant that I wanted to return. When I saw this on XX/XX/2019, I called the merchant to challenge the wrongfully refund item they selected, the amount and the number of items which was 3 not 2. It was after that call on XX/XX/19 that the Merchant then made a 3rd item refund of the item that weighed 5.85lbs which amounted to a total refund of XXXX with a deficit of {$660.00}. To my utmost surprise, chase refused to investigate the matter but rather chose the side of the merchant to intimidate a customer. 

The manner and professionalism at which Chase handled this dispute is appalling and shameful. 

I have filed to continue the dispute, and attached also the XXXX receipt showing the return item and the weight. Now, it is very important to consider the aspect of the weight of these items returned in this dispute because the merchant is claiming I returned items of different weights ( the lesser weight item of 3.8lbs costing {$130.00} while the heavier weigh item of 5.85lbs costing XXXX ) but the XXXX receipt confirms that the 3 items submitted weighed the same and were the larger weight which cost {$470.00} each totaling {$1400.00} - bear that in mind. With the disputed amount of {$1400.00}, what the merchant should get back is the false and fraudulent refund of {$750.00} they had issued. This is a clear case of fraud by this merchant to cheat customers and even when the fact shows in the XXXX receipt they refused to acknowledge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was garnished in the summer of XX/XX/XXXX by XXXX XXXX XXXX XXXX who represented Capital One Bank regarding an unpaid credit card. The balance of the debt was {$3000.00}. The garnishment totaled {$2500.00} dollars, and ended on XX/XX/XXXX. A payment plan was setup to pay {$200.00} a month for the remaining balance. The first payment began on the XX/XX/XXXX. I  assumed the payments would discontinue after I satisfied the debt in full. They did not, and I had to revoke the payment plan in XX/XX/XXXX. 

When I contacted the XXXX XXXX XXXX XXXX ( aka debt collector ) on the over payment there stance was until they actually receive the money from the garnishment, the balance will not change. It is XXXX XXXX XXXX responsibility to request the money from the courthouse. They have sent me letters periodically about paying the debt, and I contacted them again by phone XX/XX/XXXX regarding the debt. They still had not requested the money from the courthouse a year later. 

The latest letter I received from the debt collector was dated XX/XX/XXXX stating that I still owed {$2300.00} dollars, and they would settle with a lump sum payment of {$1100.00}. I contacted them on XX/XX/XXXX and they had no record of the garnishment money. I contacted the courthouse and was provided with a copy of the Judgement on Answer And Order to Pay which was filed by XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of XXXX. I was also provided with a copy of the check for this amount which issued on XX/XX/XXXX and mailed on XX/XX/XXXX. They state they have not received the check. 

I confirmed with the courthouse accounting department on XX/XX/XXXX that my garnishment account still has {$860.00} that has not been requested from the collector. When I informed them of this, they state they have no knowledge of the additional monies. They continue to misrepresent the amount I owe them and have kept this account alive for almost two years after all monies have been paid in some form. XXXX XXXX XXXX XXXX currently owes me {$280.00} as I have overpaid on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have had a Target credit card for 8 years since XX/XX/XXXX. I understand that TD Bank runs the credit card. I have paid on time, every month, always. Last month on XX/XX/XXXX, I did my online payment ahead of the due date. 2 days later on XX/XX/XXXX, this payment was returned and a returned fee payment of {$28.00} was charged on top of it. I called Target the next day to inquire, and they told me Accounting had not posted the reason for the issue and asked me to call back another day. 

I called again the following week, and was told they could not reverse the fee because THEY were not the ones who charged it, but the bank. They were unsympathetic and I filed a dispute. Afterwards, upon looking through the transaction history, I discovered that somehow, when I was making my normal online payment, an old bank account was selected instead of my current one. I believe that was my old XXXX XXXX XXXX account which I closed a few years ago ; I recognized the last four digits. I did not make this error to my recollection ; I recall selecting my XXXX bank account, which is open and has a healthy balance. Something happened in transit ; one will never know now. 

( As a side bar, I purposely don't do auto-pay with my Target card because of their security breach a few years back. It has been because of loss of trust that I have been painstakingly paying manually every month. ) On XX/XX/XXXX, I got back on the phone with them today and still they told me this error is on ME, so THEY can not do anything - not even issue some kind of credit. They showed appreciation that I've been a loyal customer who has paid on time for 8 years, but they did not explore ANYTHING on my behalf to mitigate this situation. I was at wit 's end, and asked to close my card on the spot. 

I am simply appalled by their lack of ownership and treatment. I don't care about {$28.00}, but I do care about customer experience and breach of a relationship of trust. This was a horrible experience that took more time and energy than I can give. I'd like to warn other users of the Target credit card against potential flaws in their payment system that can result in unexpected fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i had submitted an police investigation to the bureaus for my credit report because of identity theft on my credit report and has not heard anything as of yet.i have attached documents from the police department doing my investigating

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i had submitted an police investigation to the bureaus for my credit report because of identity theft on my credit report and has not heard anything as of yet.i have attached documents from the police department doing my investigating

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 2020-02-12 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I been trying to fix my credit I contacted the Credit bureaus and to fix the reporting issue but keeps come back as not Account been settled when called they told me to contact the original lender and Collection agency they both tell me their not the reporting partys

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.

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 non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I pay my bill in full and on time. Yet Macys continues to send statements after my bill is paid looking for {$2.00} in interest charges. I called in XX/XX/XXXX thinking it was a mistake. They tried to fast talk me about interest and they removed fee. But they did the same thing in XX/XX/XXXX. When the bill is paid in full there should be no interest. I suspect Macys is just ripping people off. Many people will just pay that small amount because of the hassle but I wont. Its just wrong. Im cutting up my Macys charge. Please make them stop. 
Thank you so much.

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 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I was in an accident in XX/XX/2019. Since then, I have made several attempts in contacting Ally Financial to obtain the documentation necessary to file my GAP insurance claim with XXXX. XX/XX/2019 was the most successful attempt, however, I still have not received all the needed documents. I spoke with someone in customer service on XX/XX/2019 and explained that I had called several times prior to obtain an original contract and a statement including the payoff from the date of loss. We had been advised multiple times that the documents had been sent to XXXX, but when we spoke with the representative on XX/XX/2019, she saw no evidence that anything had been sent. She advised that she would get the contract sent in which I asked to have it sent/emailed directly to me so that I could send it to XXXX myself. She immediately fulfilled the request. As for the payoff from the date of loss, she explained that it would take a few days for her to obtain that document for whatever reason and that she would mail it as soon is it was ready. I followed up after the new year to the tune of their systems were down and would probably be down for the remainder of the week, so call back in the next week. I have called SEVERAL times since then ... XXXX has called, but there has been no answer on their end. I just need this once document so that I can more on with filing this claim.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: IN

Complaint narrative:
After graduating from XXXX XXXX in XX/XX/XXXX with an XXXX XXXX XXXX & XXXX XXXX XXXX, my Student Loan Service Provider immediately began deceiving me into believing that Deferment & Forbearance were the only repayment options for my {$30000.00} in Federal Student Loans. I asked multiple times about different payment options and each time, the providers put me into a program that increased my balance without ever telling me that I could make a smaller monthly payment ( my payment was always just out of reach ).

After my service loan provider switched from XX/XX/XXXX to Navient ( without my full understanding and not at my request ), I found myself 2 months behind on payments. One payment went to the wrong provider and another payment simply didn't process when Navient began processing payments. During this time, I was given conflicting information about when my payment would actually become due. Before I was able to correct the problem with Navient, they began automatically forwarding phone calls from my number to their overseas debt collectors. The people who were answering the phone told me they did not work for Navient and told me that " you are not able to speak with a Navient employee until your account is current ''.

THIS PROCESS OF NOT ALLOWING ME TO SPEAK WITH AN EMPLOYEE OF MY STUDENT LOAN PROVIDER WAS USED AS A WEAPON AGAINST ME!! After several weeks and multiple calls ( ALL OF WHICH AUTOMATICALLY FORWARDED TO XXXX  ), I agreed with the Off-shore debt collectors to go into forbearance so that I could again talk to Navient employees rather than outside debt collectors whom at the time, SEEMED to barely understand English.

These Off-shore debt collectors were USED BY NAVIENT to convince me that Forbearance was my only option. They told me that I would have to deal with the debt collectors until my account was current, they threatened to garnish my wages, get a judgement against me and take my tax refund check. Looking back now, I realize that Navient forwarded my calls to an outside debt collector for no reason except to FORCE ME INTO A 10+ YEAR LONG PROCESS OF Forbearance that has increased my total Student Loan Debt!

When I first went on forbearance, I felt powerless and frustrated! Now looking back at the timing of these issues, which coincided with BOTH my Chapter XXXX Bankruptcy in XX/XX/XXXX and also Navient 's email motto of " Forbeare them '', I am MAD! 

I FEEL CHEATED! 

If these folks would have worked with me in XX/XX/XXXX, I would have been able to come out of Bankruptcy and been able to pay them $ XXXX $ 150 monthly on an Income Based Repayment Program. Had they explained that this option existed INSTEAD OF SENDING MY CALLS TO XXXX, my Student Loan Balance today would be PAID IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Around XX/XX/2019, i was solicited with an online offer from Citibank to establish a " Citibank account '' package and deposit {$15000.00} into the account, maintain it for 60 days along with direct deposit activities and i would receive {$400.00}. I have maintained my end of the deal and fulfilled the requirements. I followed up 4-5 times with citibank customer service reps by chat, phone and email and they notated my account to be eligible for the bonus and will be credited accordingly. 4 months later, i received an email saying i am not eligible for the promotion.

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 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I signed up for a new account with a checking account bonus. I met the requirements for the bonus and still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I applied for a refinance on XX/XX/2019 with a very specific fact pattern including a 2nd lien which was an equity sharing agreement. The entire time throughout the informational gathering process this was known. 48 days into the process after all other information was obtained they indicated they would not subordinate an equity sharing agreement.

Company response to consumer: Closed with explanation