vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello I had open a Checking account with BBVA in XX/XX/2019- I was advise that there overdraft protection would be applied if I do not have enough funds when the transaction Finalized and post to the account- I had notice that was not happening- I would get deposit in the account to cover the transaction but was still being charge there fees- After talking to the Bank I was inform of the same thing Now there story has change and they state they go by the original time stamp, if that the case there a ton of transaction that was charge a fee when there was funds in my account already to over the. there are multiple calls clarifying this issue and since the Bank and there employees keep providing wrong info and does not know what there policy truly is I am not reaching out- they are refusing to take care of there new Member do to the improper info that been provided I recommend a full investigation on there overdraft services

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Home Dept. is still requiring a Social security # for application of their credit card even though they have a court order not to do 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 2019-06-25 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
in XX/XX/2019 i received my barclays uber credit card statement there were charges of XXXX i called the customer service to report that i had no idea what these charges were.

barclays closed my account took a fraud report and issued a new card.

On XX/XX/XXXX i got a letter from barclays that the charges were mine i called barclays and they said XXXX provide info that i made these charges i explained that i didn't know what the charges were then asked barclays to provide me with lifts explanation of why these fraud charges were mine Barclays said they were finished and i could not put it back in dispute that now i had to deal with XXXX. Why should i deal with XXXX  when my barclays issued credit card was used fraudenty i am being charged for something i did not receive and for me to contact XXXX  with any info that i know nothing about is crazy and how can u get in charge with them there is no corporate phone for them.

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 2019-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have five inquires on my credit report that I do not recognize the inquires include on date on XX/XX/2018 from XXXX XXXX/XXXX, On XX/XX/2018 come XXXX XXXX/XXXX, on XX/XX/2018 from XXXX XXXX/XXXX, on XX/XX/XXXX, XXXX/ from bank of America and on XX/XX/2018 from XXXX these five companies have inquired on my credit report without my permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I filed a prior complaint, XXXX. My partner XXXX XXXX had a judgement against her. ON XX/XX/XXXX I was informed of a bank levy against my separate property. After my last complaint Midlanding Funding had promised to return my funds in writing, I called them 2 weeks ago and they verbally confirmed that. Today, XX/XX/25 The XXXX county Sheriff 's who issued the levy informed me they have received no directive from Midland to release the funds I contacted Midland and they claimed due to state law and the CFPB investigation they can not legally return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: WI

Complaint narrative:
I received a collection letter in approximately XX/XX/2019 from Radius Global Solutions LLC, XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX, attempting to collect an amount owed totaling almost {$750.00} to XXXX XXXX ( my local internet provider ). I called them immediately and was verbally XXXX, and threatened with legal action if I did not pay immediately and over the phone. I told them I had already been in contact with XXXX XXXX   and not only is my account number incorrect on the collection notice, but I do not have any past due balance with XXXX XXXX. The rep repeatedly insisted I give my address and ss number, which I refused. I demanded a validation letter, and the rep hung up on me. This is fraudulent and a scam and I wish to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: TN

Complaint narrative:
My mortgage servicer changed from XXXX XXXX to PHH Mortgage Services Received a letter stating my property was going into foreclosure. I've made my mortgage payments on time and since the servicing changed to PHH the customer service is bad and I've had difficulty with the posting my mortgage payments to the mortgage account. I called PHH mortgage to make a mortgage payment and was told the system was down and to wait until the loan was in their system of which I called several times and they finally took my payment over the phone. I have not been late paying my mortgage. When I call PHH I speak with Customer Service to check the status of my mortgage they would tell me the computer is down or they don't have information on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America made me open a new account based on fraud and I opened up the new one the old one was not functional for a good 3-6 months than all of a sudden it was operating again and I was getting charged XXXX XXXX  monthly fee and it was only being used for the rolled over change I asked them to switch that feature to the new account I was forced to create and they refused to refund me for all the monthly fees. i told them that they are the ones who made me open a new one and that I requested for the feature to be transferred to the new account. Also they were charging me overdraft fees because they also forgot to transfer that feature very conveniently of them to not transfer these features. i think they did this to deceitfully charge these fees to their customers I believe this would be UDAAP violation and they still refuse to correct. Please help!

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 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
In XX/XX/XXXX, after personally tracking my student loans down because as I was informed, they were sold to several different companies. In that time, the loans either went into default or into collections. At any rate, after several attempts in talking with Transworld system who I was repeated told had my loans although they could not locate them for at least 2 months of which I continually inquired about them. 

Finally in XX/XX/XXXX, someone was able to locate the loans and I responsibly set concurring payments on my student loan account with the collection agency, Transworld system. From XX/XX/XXXX, I have made consecutive payments through automatic drafts, and in that time up until this date XX/XX/XXXX, this account continues to show delinquent on my credit report. When I was first turned down for a loan, I called Transworld to inquire about the credit reporting and a representative faxed me correspondence showing that I was not delinquent, which was accepted by the lender however, it has never been updated on my credit report. 

Just recently, I contacted Transworld to inquire about the reporting and was informed that even though my payments are secured, the reporting will show delinquent until the loan is paid off. I was told in the past by the representative that furnished my the correspondence to send to the lender that because my credit agreement is being satisfied, she did not understand why it was being reported delinquent. 

This is indeed by question as well. Is there not a way to show that the terms of my agreement are being met? Can someone please assist me in resolving this matter?. 
I have attached the correspondence that details my agreement and will supply any other necessary documentation to show these payments are drafted automatically from the account listed on the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The accounts in Question on my credit profile that is definitely Identity Theft are as follows : 1/ US Department Of Education XXXX two different balances that total XXXX dollars, XX/XX/XXXX. 2/ XXXX XXXX XXXX   XXXX XXXX with a balance of XXXX dollars, XX/XX/XXXX. 3/ XXXX XXXX , with a balance of XXXX dollars, XX/XX/XXXX. 4/ XXXX XXXX XXXX, with a balance of XXXX bucks, XX/XX/XXXX. 5/ XXXX XXXX XXXX with a balance of XXXX dollars, XX/XX/XXXX. 6/ XXXX XXXX XXXX XXXX with a balance of XXXX dollars. All these accounts have been Fraudulently opened. I have filled out and sent several copies of an FTC report to Experian, XXXX, and XXXX. I have sent affidavits to these companies as well as the companies in Question that hold these fraud accounts. I have called each of these companies and most of them told me whether I did it or not I would have to pay. This made me very angry that they would actually say something like that to a person dealing with Identity Theft. I have contacted XXXX and will be set to be interviewed soon because of the responses from these companies as well as the lack of them solving this very important issue. Experian has hung up on me several times claiming poor connection or some other odd reason. I shouldnt have to be treated this way due to some Thief out there stealing my information and opening several different accounts that I have no knowledge of. I need help with this issue ASAP. It isnt fair that nothing has been done to solve these issues. My credit is totally ruined and it isnt even my fault. Ive called the FBI as well as Home land security. Im taking warrants out for Experian at the close of the day because of one of the Reps actually making threats against me. Its recorded and everything. Can someone please solve this issue so I can get my life back?

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 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I have spoken to Cornerstone 's property tax customer service numerous times. The first time I called was about a month ago inquiring if they had received my homestead exemption approval. I was told they did not have the information and that I would have to submit this to them. I then contacted the tax appraisal 's office and was told the information in public and accessible to the mortgage company. I then called the mortgage company back and informed them of what I was told. I was then told it would take up to 3 weeks in order to get documentation from the tax appraisal 's office. I waited 3 weeks and called them back and was told it would take another few days to a week. So, I waited and I recently called on XX/XX/19 to check on the status. At this time I was told that they received an approval but did not know how much and then told me my taxes had increased tremendously. I was informed that my total taxes on my home that was appraised at {$380000.00} and tax rate being around 3.5 % would be {$24000.00} and then some. I told them that there had to be an error because that is incorrect. They insisted that this was correct. I asked to speak with a supervisor and was transferred and was told the same. I was told to reach back out to the county to find out an exact dollar amount as to how much I was approved to be exempt because it looks like the taxes has increased by a lot. I contacted the tax appraisal 's office and was told that the amount was not {$24000.00} and that was absurd. I was told it is estimated to be {$12000.00} and would provide documentation to send to the mortgage company. I have sent over this information to them but was still told I was wrong and that they contacted the tax office and that they have the correct numbers. I was told that they spoke to a person by the name of " XXXX '' and gave me the spelling of the name and that the county is the one who inputs the tax amount and that they do not input any numbers. I contacted the county back and was told that was incorrect because they do not have an employee by that name there. 
I have spoke to nothing but rude individuals at this department. The last encounter I had with them was today XX/XX/19 and this lady put me on hold for 10 minutes ( before I hung up ) to speak with a supervisor that she says can not do anything more for me that she could do. 
I was told my monthly mortgage will change from {$2800.00} to {$5400.00} in XXXX. This is absurd and not feasible. I would not even have qualified for this type of loan to begin with. I have never dealt with this being that this isn't my first rodeo with a mortgage company. So unprofessional and very discourteous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My XXXX have prevented me from working outside the home for most of my life as my XXXX  XXXX has worsened with age. I applied for discharge of my student loans because with an income of {$1100.00} per month I knew I could never repay them. Nelnet sent me a letter stating that my student loans had been discharged as of XX/XX/2019. Then on XX/XX/2019 Nelnet put these loans on my credit report showing as open and owed which dropped my FICO score by over 200 points. They insisted that I owed {$7400.00} ( almost all of which is interest ). I believe this is known as credit reporting fraud. My husband and I had a recent legal settlement and as part of receiving the settlement we agreed to move out of our home by XX/XX/2019 but the despicable actions by Nelnet have prevented us from being able to obtain new housing. I have spoken to Nelnet representatives on several occasions but they have refused to remove the misinformation they placed on my credit report. These means that my XXXX husband and I may soon be homeless and literally living on the street. 
It is clear that greedy Nelnet is doing this in order to try to trick XXXX Americans ( among the poorest people in our country ) into paying them money these poor souls don't even owe. These loans weren't on my credit report at all until Nelnet put them there through their illegal and malicious actions. No company this dishonest and lacking in ethics should ever be allowed to receive taxpayer dollars. Their corruption is an affront to America.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robinson & Hoover
State: AZ

Complaint narrative:
This complaint is in regards to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX Phone - XXXX XXXX : ( XXXX ) XXXX On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX filed a judgement again me in the State of Kansas in the district court of XXXX County Kansas - Case # XXXX. Garnishment total {$14000.00} I never received any knowledge of this action until I was approached with garnishment by my employer. For the past year my checks have been garnished biweekly for a total payment of over {$7000.00}. With all my payments this past year my new balance is {$8900.00}. 

On XX/XX/XXXX XXXX XXXX XXXX filed another judgement for the same auto loan in the State of Oklahoma in the District Court of XXXX County - Case # XXXX. Now they are seeking additional interest for a total garnishment of {$20000.00} Both garnishments have been sent to my employer. This is beyond harassment. They are malicious. How can they have 2 judgements against me for the same auto loan??? I have already been charged once and I have been paying? Why are they seeking more money. This is illegal. They can't do this. I am contacting a litigation attorney to bring harassment charges and to have the judgements dismissed for malicious intent to obtain unlawful action against me and to get additional money not owed to them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
The company Knight Adjustment Bureau located in Utah is a debt collector, they are not willing to make a deal with customers about payments on their accounts, even though they have a web side where a customer can go and make a payment, they still send a letter saying they are not accepting partial payments on their accounts, XXXX the are requiring the total payment on their account, they dont care what is the amount on it, also they are adding cray % of interest on the accounts that are already in collection, for all the reviews online this people work this way to be able to take people to court and get more money on the top of what its own. 
Can somebody check on this and help, they can not be abusing people this way. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
AM unable to ascertain payment on loan. Have paid loan down almost to the amount which is the non interest bearing balance. I have been told multiple things about the payment to be made. From the statement balance on the website, which CAN NOT be made as stated on the website, to the statement balance on the attached PDF file. I have also been told I must pay the entire balance immediately that it is down to the non interest bearing amount and therefore it is a 'balloon ' payment which must be paid in one lump at maturity. The problem being that the maturity on this loan is not for about 29 more years. 
As well as my not having {$6000.00} on hand to pay them at the moment. All of my other funds are going into completing the repairs to my home after hurricane Michael. 
Apparently MR. COOPER doesn't know what they are doing. Perhaps you can help them figure it out. 
I'd like to know. 
I've been satisfied with MR. COOPER until now when I keep getting conflicting answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Complaint # XXXX against Transunion was never resolved. According to my credit report they are still fraudulently reporting student loans that were paid in full on my credit report but transunion reinserted the student loans back on my report without a 5-day notice. The reporting period has expired. 

XXXX # XXXX ( for this collection ) expires on XX/XX/2019. 

44 U.S. Code 3507. Public information collection activities ; submission to Director ; approval and delegation 15 CFR 30.63 - Office of Management and Budget control numbers assigned pursuant to the Paperwork Reduction Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
Last year I called and asked Discover card if they would lower my interest fees so I could pay down my card. I explain that I was only working part time. They said they had a program that would allow them to lower the card interest for six months. When the six months were over, they doubled the interest fees. Basically defeating the lower interest rate they had given me to help me out. I only asking for help to pay off this bill. I have always made my payments on time. I've been a very good customer.

Company response to consumer: Closed with explanation