vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I had a checking account with Citizens Bank and on several occasions their overdraft fees caused more overdrafts and higher negative balance. At one point the total negative balance on the account can be broken down to XXXX in fees alone and XXXX in charges. They proceeded to call my ex-wife who has not been on the account for over 3 years and even has a new phone number, but someone they obtained her number and called her informing her of the situation. I then called the bank and explained the problem with doing that and informing them that the balance of XXXX was mostly their fees of XXXX including a monthly maintenance fee. I offered to pay the charges which came to XXXX. At this point the person I spoke to refused and stated if I dont pay the whole balance they would close the account and report me to ACH so I would not be able to obtain another account at other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: First Advantage LNS Inc.
State: GA

Complaint narrative:
I recently checked my credit report and saw that there was a fraudulent inquiry from FIRST ADVANTAGE/XXXX XXXX  on XX/XX/2016. This company was not authorized to pull any information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XX/XX/2018, XXXX XXXX  Central Time I fax my Verification of income.. 
XXXX reply back ; Verification of Income Since we did not receive it, XXXX was regrettably unable to give further consideration to your credit request, What XXXX wanted was my ; User name PIN number For my Bank Account so they can personally go into my bank history,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
The collection agrncy called me and i offered to pay the debt in full. I Provided them with my bank account info to make the payment and asked if after i spoke with the original creditor if it was determined that there was a mistake if i would get a refund if the payment. The agent asked me why i would pay a bill i didnt owe and i informed her i was in the process of buyi g a house and coukd bot have a negative account reported on my credit report. She immediately put me on hold transferring me yo her supervisor of who i asked the questionagain and then told him that i was willing yo pay the accoubt in full with thr i go they had on file. He asked if i had a credit card and i stated no he yold me ifni wanted to get the new house i wanted i better get a credir card because he would not take the form of payment i was offering and hung up. The account is got a insurance policy i cancelled on XX/XX/XXXX. There was no attempt by the original credit grantor to collect payment and they sent the ccount to collections less than 30 days after the policy was cancelled and the collection agency contacted me in XXXX and had reported the account on my credit report by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal was going swell for a moment until they limited my account an put a hold on my funds for no apparent reason I had to send them all my personal information and I feel very much embarrassed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On a monthly basis, I make a {$1000.00} mobile deposit from my XXXX Checking Acct. into my TD Checking Acct. XXXX for the sole purpose of making an internal transfer payment to my TD HELOC Acct. XXXX. This transactional activity is the only activity in my TD Checking account. The account is not used for any other purpose. This can be corroborated by reviewing all account statements since opening my TD accounts.

Historically, funds have been made available to me " next day '' upon which I make an internal payment to my TD HELOC Acct. On XX/XX/2018, I made a {$1000.00} mobile deposit as described above. The funds have been Debited at XXXX and still being held by TD Bank. After calling TD Bank for clarity, I was told a 6 Day hold was placed on these funds for fraud concerns. At NO POINT has anyone from TD Bank contacted me to raise this concern or inform me of the extended hold. 

As a result, I now risk a late payment being made to my TD HELOC account, something I have NEVER experienced with any debtor at any point in my financial history. Consequences of a late payment may result in my TD HELOC interest rate being raised. 

I am concerned that TD Bank is utilizing a 6 Day hold on my mobile deposit in order to prevent me from making an on-time payment and in turn increase my TD HELOC interest rate. I feel taken advantage of and don't appreciate that I need to go to a physical TD Branch in order to resolve this issue. This is unacceptable. Deliberately making it difficult for a customer to make a payment ( as I have done consistently without issue or change in variables ) is in my opinion, manipulative and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
AD ASTRA Recovery Services refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. AD ASTRA sent me a letter showing a signature that is not mine. I also filed a compliant before and AD ASTRA advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if AD ASTRA fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/18 - " Bank Originated entry reversal of provisional credit Case XXXX on XX/XX/18 for {$1500.00} '' I woke up to my account being almost XXXX dollars in the negative. There reversing a credit from five months ago. That claim was closed for months. This is totally wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The below complaint is against predatory lending practices that disregards all legal norms and laws. 
I have never signed any loan with. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Shellpoint company is a part of predatory lending group and I want them to be held responsible for the XXXX-XXXX economy crush by the above bank Back in XXXX when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX , FL XXXX financed by XXXX XXXXXXXX XXXX . XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. I tried to short sell the home and set up pay-off of the debt. XXXX XXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. Years have passed by and XXXX XXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency Shellpoint Mortgage Servicing company. XXXX XXXXXXXX XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. It is over 10 years since I incurred debt that XXXX  XXXX XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. I am asking for help as it is mentally draining to wait each month for the same scenario. I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was forced to freeze my credit reporting with Experian because they exposed my personal information due to hacking. Yesterday I arranged for a temporary release so that I could apply for a credit card. All credit agencies EXCEPT for experian set up temporary releases at no cost. 

However Experian, the cause of the theft of personal information, charged me for the temporary release. I am at risk because of Experian and now I have to pay for the temporary release. 

They should not be rewarded and I should not be penalized. 

A refund of charges should be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I called my bank, Chase to report my card lost and stolen. 
I spoke to a gentleman and advised him that I could not find my debit card since XX/XX/XXXX around noon after I pumped gas at XXXX XXXX. 

I advised him that I went to XXXX XXXX and tried to use my debit card, but after 3 tries, I had to go inside.The cashier had to slide my card inside because it was not working outside. I advised the Chase rep that I must have dropped my debit card there because when I looked at the charges they were from the stores around the area of the gas station. 

The Chase rep went over all the charges with me and he sent in disputes on items i did not recognize and granted temporary credit. 

I called Chase on XX/XX/XXXX and asked why the charges were reversed back to me. The Chase rep said that it was inconsistent as not all items were disputed. I told her that I was not familiar with all of them so I did not want to dispute something that could be mine because I know that sometimes charges does not always reflect the same day. 

I requested for the claim to be reopened, but the Chase rep said she couldn't without proof. I asked her what proof did she want. Chase rep said " Nothing you can give to prove this '' ( somewhere along those lines ). I told her " I know '' how would I prove this. Do you want me to get a police report? ". I requested to speak to a manager, after being placed on hold she came back and said someone will have to call me back within 1-2 days. 

This is not fair. I did not do those charges. I have never filed a dispute with Chase except one with XXXX when I told them that my card was charged after it declined the first time ( my husband then used his card ). 

I have left XXXX after they opened a Savings account in my name ( Lawsuit they were in ) I have recommended Chase to all my friends and family and my mom 's business thinking this was a better bank, but I can see that Chase is not about helping their clients at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
The lender, Select Portfolio Servicing sent a letter out to me after I was denied a loan modification. The letter was dated XX/XX/2018 and had options in which I choose to short sale my home. The letter also stated to have the requested documents back to SPS no later then XX/XX/2018. I sent the signed documents to my agent XXXX XXXX and she sent all of signed docs and listing agreement to the lender on XX/XX/XXXX and XX/XX/2018. My agent then called SPS to make sure the docs had been received and she was told we longer were eligible for a short sale, that my only options were cash for keys or a reinstatement of the account. The letter SPS sent and it is attached, clearly states we had until XX/XX/2018 to get the requested documents in for the process of the short sale. My agent was also told by the reps that the letter is generalized and the options offered expired. How would any consumer know that? Where on this letter does it state my options would be expired before the date they gave me to have all of my documentation in? The letter states to reach out to the lender within 30 days of the date of the letter whish is dated XX/XX/2018, that's not 30 days, we just received the letter last week. I would like for upper management to review this file and letter that they sent to me and I am requesting that I would be allowed to short sale my property to avoid the set foreclosure date they have set. This is a bate and switch for sure, I have never seen any kind of trickery like this ever and it can not possibly be legal, I am seeking legal representation on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 3rd attempt to have this collection account removed. Attempts online and by mail with Experian have been unsuccessful for some reason. The collections company has already requested the deletion and sent proof in writing that they have done 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 non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've been gainfully unemployed for 4 months now ... I've been keeping my bill current with side work/gigs here & there but have run into issues. However, it's been a HUGE issue to call and speak to customer service given they're overseas and are not quite understanding of American economy and living ... Along with the language barrier. 

I am asking for 2 things : ( a ) Forbearance for XXXX XXXX to protect my credit rating.. ( b ) I've asked several times for a credit increase to {$2000.00} which would allow me to pay the minimum and stretch out this employment wait ... The current balance does not allow me any wiggle room to kick cans around, pay financing charges until circumstance change.. Essentially there is no room for a psuedo personal loan during hard times.. What if I was in the XXXX right now and needed extra $ $ XXXX??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I've been gainfully unemployed for 4 months now ... I've been keeping my bill current with side work/gigs here & there but have run into issues. However, it's been a HUGE issue to call and speak to customer service given they're overseas and are not quite understanding of American economy and living ... Along with the language barrier. I am asking for 2 things : ( a ) Forbearance for 60 days to protect my credit rating.. ( b ) I've asked several times for a credit increase to {$1500.00} which would allow me to pay the minimum and stretch out this employment wait ... The current balance does not allow me any wiggle room to kick cans around, pay financing charges until circumstance change.. Essentially there is no room for a pseudo personal loan during hard times.. What if I was in the Carolinas right now and needed extra $ $ IMMEDIATELY??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: MS

Complaint narrative:
I made contact with the creditor first on XX/XX/2018 to discuss my account. I was informed by the creditor that my account had been sent for collection with Southern Management Systems , Inc. I attempted to contact Southern Management Systems , Inc. to discuss my account. I was told the only way I would be able to discuss my account would be through my attorney, in writing or I could pay the account in full. The person I spoke with was very short with me. She would not listen when I tried to explain that I never had a conversation with anyone in that office indicating that I had an attorney. On XX/XX/2018, I requested in writing, a copy of any attempted correspondence with me, from their office informing me that my account had been placed for collection with that company. I asked for a response within 5 business days. When I did not get a response, I sent another letter acknowledging the debt and a pay-off schedule. I received a response from Southern Management Systems , Inc. on XX/XX/2018. In the letter the company stated that they were responding to my request to dispute and cease communication. None of this information is true, being the company never provided me the information that I requested. Since I was not provided with the information I requested, I have no idea when my account was placed for collection. The account has been reported to the credit bureau as a dispute. On XX/XX/2018, I sent the company another letter demanding that they correct the false information reported to the credit bureau or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
opened savings XXXX XXXX XXXX un suntrust bank have checking acct to with direct deposit XXXX I set up acct for XXXX $ month from XXXX XXXX go in had bank move XXXX $ in that acct savings and setup overdraft protection the XXXX $ was deposited in savings then majically it next day XXXX deposit to savings disappeared whether this is computer error/ or someone at bank that trying to steal funds I had issues before with my XXXX  checks had case with you.but really like before you done nothing, ,no fine on bank not much else so this more less report issue .if monies not in acct soon.i myself file federal lawsuit on bank.asking for XXXX $ for each error claiming embelezelment internal corruption of company and theft of XXXX  funds..when I claim theft of funds ect I ask all funds all suntrust banks be froze till case done including there stock market investments.if none 3 agencies I file with do anything they be included because kind of seems type of collusion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Loan # XXXX Bank of America Home Loan, I XXXX XXXX, I submitted all of my paperwork to Bank of America for a Modification review. I spoke with my customer relationship manager on XXXX, XXXX 2018. She specified I submitted all of the correct paperwork to to finish my modification review, now I am waiting on The Appeals Department with Bank of America to send me a answer on the paperwork I faxed over to them almost 2 weeks. This is so frustrating to me. I need to keep my home. I have submitted everything the Bank has asked for and now still waiting on a answer with the Appeals Department. Whats else do I need to do? I did everything possible. I have sale date on my home for XX/XX/2018. I been working with XXXX also, and they are helping me also with this process. 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 2018-09-14 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: OH

Complaint narrative:
A new collection listing on my Equifax today under the name XXXX XXXX, account XXXX for the amount {$710.00}. The original creditor is XXXX. This fraudulent account was previously Blocked from my credit report and belonged to XXXX XXXX at the time. This is a fraudulent account and Equifax has no business placingn it back on my file. I intend to file charges against Equifax for damages to my credit. This is my Identity Theft Report to Permanently Block XXXX off of my credit file.

Company response to consumer: Closed with explanation