vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
After checking my credit report I realized that 5th 3rd 's Identity Alert program has been inaccurately reporting my credit score. After speaking to several branch  managers at different locations and reps on the phone they informed me that the reporting is never meant to be precise and refused to refund all. The branch managers tell me to call XXXX and the phone tells me to speak to a branch manager. I have also had issues with unauthorized charges that resulted in overdraft fees. I was promised at least one reversal and assistance disputing the other charges and when I follow up I get conflicting information. I have not been receiving refunds for atm fees. I am with a program that refunds atm fees 6 times per month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company XXXX XXXX onXX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After the cease and desist letter 's were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank purchased condominium insurance on my behalf after they had received the condo insurance. This is a fraudulent attempt to charge for a condominium insurance that is not needed as the condo insurance is already in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I recently received a collections notice from a law firm XXXX, XXXX XXXX XXXX XXXX, XXXX. regarding a private student loan that was taken out back in XX/XX/XXXX. When i became unemployed in XX/XX/XXXX I was not offered any option for a lower payment nor did i receive prior notice that it needed to go into forbearance in order to defer the payments.Today this loan shows as a derogatory on my credit and is keeping me from obtaining the American Dream to purchase a home. Amount owing is {$11000.00} and now faced with a lump settlement in order to clear it off my credit. The loan is 15 yrs. old and I no longer have record of this loan and or have lost my own records. When the loan was taken out originally with XXXX XXXX, my husband XXXX XXXX co-signed for the loan, The current Attorney 's office states their is no co-signor on the loan when originally there was in order to collect payment. I recently contacted Navient to request a payment history made towards the loan and immediately transferred me to the named above attorney 's office where i spoke with two individuals who gave me two separate lump sum offers that would only be good through XX/XX/XXXX. the offers were as follows ; $ XXXX and then {$3300.00}. I told them i needed to get the payment history in order to verify if the loan was mine and the amount owing is correct, they said they would request it but could take up to 7-30 days which then the lump sum offer would no longer be valid, which i feel is ridiculous considering it needs to verified that I even owe this amount before charming me or offering me a lump sum settlement. I honestly hope you can offer assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to Experian, XXXX, and XXXX  Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since 2011 and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a settlement amount for XXXX XXXX XXXX for a Lowes debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XX/XX/XXXX, my balance on my settlement would have been {$110.00}. In XX/XX/XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.

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 2017-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC
State: VA

Complaint narrative:
First Direct Lending out of California advised I was approved for refinance with cash out and asked me to provide documents proving I was the homeowner of the dwelling such as utilities and a death certificate for my wife that passed in 2015.  They advised that was all they needed to close and that I was approved. They have all my info and have pulled my credit and are now saying they cant do the refi due to my drivers license having a different address. This is false hope and misleading and misrepresentation of the duties they said would perform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
Chapter XXXX filed XXXX ; Loan previously with XXXX XXXX. During the chapter XXXX the house payment was raised from XXXX to XXXX without any written notification and/or notice during the bankruptcy. I continued to pay XXXX. The Chapter XXXX was discharged XXXX/XXXX/XXXX. The only info received from XXXX was prior to the discharge XXXX XXXX that stated my payment would reduce from XXXX to XXXX eff XXXX/XXXX/XXXX. NO back balance was indicated. Then the loan trans 'd to Selene Finance XXXX/XXXX/XXXX. I was not made aware of the transfer until XXXX/XXXX/XXXX. Selene Finance would not even discuss info with me until XXXX/XXXX/XXXX. Advising my attorney would not give " verbal '' release that they no longer represented me. I had already faxed court order discharge papers, but this was not accepted by Selene. When they finally begin to speak with me on XXXX XXXX, they advised I was 18 payments behind for over {$12000.00}. This was not only a shock to me but I had nothing from XXXX nor from anyone else with this information. I then requested research on XXXX/XXXX/XXXX from Selene Finance. They want to tell me I am behind but to this date they have yet to send me how and why this amount is owed. They advised me it would take over 2 months to do research but would still have to pursue foreclosure if this amount was not paid by XXXX/XXXX/XXXX. I can not get anyone to call me back, they have no answers ; I have been told it is my fault, etc. I have made a total of 13 phone calls to try and get this resolved. On XXXX/XXXX/XXXX loan modification papers were overnighted to Selene finance in order to try and save my home, but I have still have not heard any updates. I truly feel that they are purposely delaying research in order to foreclose on my home. Something is just not adding up. I have tried and tried my best to do what I feel is right to try and get this all in order. But so far this new finance company is not working with me. I am not sure what else to do. Any assistance in this matter would be a great and wonderful burden off my shoulders. I have been fighting now for almost 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have reached out to this company multiple times regarding the inquires on my account and they have done absolutely nothing but send me generic responses about contacting the companies and when i contact the companies they direct me to contact the credit bureau this is getting out of hand and is not reflecting my true credit report. the below inquires need to be removed. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX. These inquires need to be removed i have done all the necessary steps, police report, contacted the companies contacted the credit bureau and sent in multiple disputes for the inquires as well as a security freeze this company still refuses to remove the inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: NY

Complaint narrative:
I have been my sister 's legal guardian for over 5 years. She turned XXXX last week on XXXX XXXX, 1999. We tried to register her online with SocialSecurity.gov to receive her benefits ( because her mother is deceased, she gets benefits ). When we were asked security questions, we answered none of the above to all of them. She does not own a house, have a mortgage, a car or a credit card. She just turned XXXX and by law you can not obtain any form of credit until you 're XXXX. We received a message stating because she could pass the verification process and we answered the questions incorrectly, we could not register online. We went ahead to try to obtain a credit report via XXXX and the same thing happened. We are not stuck at a stand still. We ca n't obtain a copy of her credit report to dispute what is on there.

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 2017-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Continually call from different local numbers, refuse to mail notice of debt or any confirmation of said debt, harrasing tones, direspectful staff, will not stop calling even after attempting to block their numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Yesterday subsequent to a pending '' '' investigation vs chase n their dealings and after my cfpb reporting, n " PRIOR-TO-THAT '' I WAS TOLD MY DISPUTES WERE PENDING YET MY RECEIPTS ALONE TELL A DIFF STORY, ONE SAYS XXXX $ ANOTHER ONE SAYS $ XXXX (? ) {$10.00}, SOMETHING, I RECALL TAKING OUT XXXX $ BUT NEVER {$3500.00} MATTER FACT GETTING RIGHT TO IT THIS BANKS GUILTY OF " DESTRUCTION OF EVIDEMCE ( I.E. THE CARD ENDING XXXX, BEGIN GIG ,XXXX EXP XX/XX/XXXX(? ) YEA YESTERDAY I WENT TO THE BANK BECAUSE NOT ONLY HAS THIS BANK VIOLATED MY P.O.A ACCOUNT N MY MOTHERS LAST YEAR ACCOUNT DATA WITH XXXX!! VERIFICATIONS ON TELEPHONE BUT THE " UNLAWFULLY, WITH NO LICENSE N ILLEGALLY FROZE, SEIZED MY ACCESS TO MY CASH MY FUNDS ETC WITH NO ACTUAL PURPOSE OTHER THAN TO HARRASS ME, N TO RETROACTIVELY " COVER THEY XXXX XXXX XXXX BY FORCING, SCREAMING AT XXXX, THREATENING, XXXX, TO ANSWER QUESTIONS I COULD N'T, N MAKING ME " REDISPUTE '' THINGS FOR THE CORRUPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PURPOSES OF " BY SUCH SAID REDISPUTING, IT WOULD LEAD TO CARD BEING CANCELLED OR DESTROYED TO FURTHER HARM XXXX, DURING THESE PROSECUTORIAP SOON TO BE FINALITY OF OUR CFPB INVESTIGATIONS. I DEMANDED THEY NOT DESTROY THE CARD N REFUND MY $ XXXX {$3000.00}, &, {$110.00} IMMEDIATELY PLUS PENALTY THIS NEVER OCCURRED N STEAD IVE BEEN WE HAVE BEEN GETTING '' BLANK DOCUMENTS, EMPTY RESPONSE FRAUD LETTERS JUST LIKE THEIR SCAMMY FRAUD FILLED ATMS, TAKING PINCODES ISSUEING " XXXX MONEY '' THEN CONSPIRACTORIALLY '' WEEKS LATER- '' IM SHOCKINGLYEE, XXXX XXXX XXXX ( - ) AFTER THE 3PARTY CALL WITH # XXXX  EMPLOYEE AT XXXX CCARD VERIFICATIONS WHERE XXXX ON BEHALF OF CHASE DISPELLED! ALL MY INFO FUNDS ETC STATING {$4700.00}, ON CONFCALL , ) YET NEXT DAY XXXX $ WAS MISSING, THEN ANOTHER {$110.00} FOR GOODS ORDERES I NEVER GOT, THIS BANK AS PREVIOUSLY STATED BEFORE IS GUILTY OF ALLOWING NONNAMEMATCHING, TRANSACTION 'S NOT MATCHING CARD TO OCCUR, WHICH IS BIG FRAUD N FINE WILL ENSUE.EACH REPORT I MAKE IRONIClly from a " Straw '' XXXX, I get " after-fact notices n intimidation calls letters from chase no promising resolution or loan car help at all.therefore chase JP Morgan etal has gotten itself in XXXX '' and Its Scolding!!, .the account was opened with XXXX XXXX $ check, chase allows also cracking '' ccard, by their ATM 's n misquotes, innacuracies, its records to support its unlawful no licensed debt collevting '' chase is guilty off civil rights violations over week denied access to funds n any sense '' 2201-section 1968 civ rights statutes, n guilty of a breach

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Info about my account balance, direct deposit, etc are not being sent out quickly enough

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 2017-06-20 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 — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX I did some purchase fro Paypal Credit. for the amount of {$240.00} They are overcharge me {$400.00} per purchase. I did n't use my credit card for this date XXXX XXXX, 2016. Also I sent many time some documents as well as Bank Account, receipt and etc. I did many phone call even in XXXX and XXXX. I return a purchase fro amount {$130.00} from XXXX 2016 and They do not want to debit the amount of the purchase {$130.00}. they always charge me overtime, having paid almost all of the debt. I did some many phone call and nobody help me. Please help me as soon as possible with this matter. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
dear sirs. Here 's the problem I 'm on fixed income and retired and have serious health problems  XXXX   XXXX   XXXX   XXXX   XXXX  not too long ago. I had a checking account and savings account they were charging me {$10.00} for taking money from savings to checking per transacti on at one m onth  XXXX  in fees and another month  XXXX  in fees for  XXXX  accounts in the same bank. I have modest income and about und er 2.000 in saving s in the bank. Because my serious health conditions I can not always monitor how much I have in checking savings too avoid overdraft fees. Because of my health problems I have a lot of  XXXX  and always worry about paying my bills. I ca n't pay all my medical expenses. I called customer service at Bank of America to see if they would refund my overdraft fees from savings to checking because my poor health situation. They said NO they do not care about your situation or that you do n't have a lot of money. They are the most heartless people that I have dealt with. All they care about is making as much money off the poor as they can. They are just the worst in humanity its always the bottom line  XXXX  forgives they do n't. I can give you copies of my paperwork from this bank. I do n't like complaining but its always the little guy vs the big banks. I had to close my account and go too another bank too save myself from financial disaster. Please help me. Sincerely  XXXX   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 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Good Afternoon, This is a compliant to XXXX XXXX ( XXXX XXXX XXXX XXXX, WI XXXX ), regarding a closed account I wanted deleted off my credit report. The company was not able to give valid information to verify the debt was mine. They submitted a itemized statement showing balance and fees applied to this account. This is not valid validation of debt of this account. The FTC has issued an opinion letter on this subject, and concludes that an itemized printout does not represent verification.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I missed a morgage Payment over a year ago and have been trying to pay it back, I offered a XXXX a month and was told no, I finally made arrangements with one of their Agents, and it was doable for me, I am paying off other debt thru XXXX XXXX XXXX, I am trying to do the right thing. Than they tell me no it was Agent error and I have to pay an extra XXXX a month!! I missed one morgage payment in my entire life!! I have asked to have the payment tacked on to the end of my loan? Why not? All I get is you have to modify your loan which I have tried but they say I never sent the paperwork in properly, even after I got a non profit document co to submit it for me! One of their agents said they could take my home! How dare her! which I doubt missing one payment. I got a new job things are looking up but I can not afford to have so much taken out of my paycheck! Add to the end of my loan!! I have attached the payment plan I first agreed to and the second document is the plan they said I have to abide by. I had XXXX and when I missed one payment they sold me to Seterus. 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 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I ca n't access my personal financial data via third-party apps.

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