vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I filed a complaint against TD BANK on XX/XX/2018. # XXXX The Bank reversed 2 overdraft fees total XXXX. I go on my online banking this morning and much to my surprise the bank reversed my provisional credit to make my account once again in the negative of XXXX. It is Retaliation about the complaint I filed with The Consumer Financial Protection Bureau. I made a Purchase online and it had to be returned I called the bank and started a dispute I than heard from the company through a bad review I had left and called the bank and told them I will receive credit back from the company, I received a letter from the bank disputes and fraud dept I faxed all paperwork back to them telling them the company never paid for returning this set and its 80 pounds i just cant move it. The bank said I will hear in writing about the decision. This morning without notification TD Bank reversed the credit and caused my account to be once again in the negative. I HAVE NO GAS, NOR MONEY TO GET TO WORK. WHEN ARE THEY GOING TO STOP THERE SHERADES. THIS IS ALL RETALIATION. Isnt coincidental that this happened the day after the complaint was filed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Date paid was XX/XX/2016 by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: NY

Complaint narrative:
I XXXX from XXXX College in Maryland ( now XXXX University ) in XXXX and from University at XXXX XXXX XXXX in XXXX. I have a loan from the XXXX XXXX XXXX XXXX ( XXXX ) that has been serviced by Great Lakes since at least XX/XX/XXXX. I am in a standard repayment plan, with monthly payments of {$350.00}. 

Over the years, I have diligently made extra payments on the loan in an effort to repay it earlier. Great Lakes never gave me the option of applying 100 % of those extra payments to the principal of the loan in order to reduce the principal and thus the amount of interest being charged. Instead, even while I made the automatic monthly payment of {$350.00}, they applied a portion of each extra payment to principal and a portion to interest, considering me to have " paid ahead '' on the loan. I did not wish to " pay ahead '' but to reduce the principal beyond the amount that the monthly payment did in order to make headway on repayment. 

Finally I took advantage of the fact that I am paid ahead to XXXX, and I stopped monthly payments sometime within the past year due to some income issues in my family. I started making monthly payments again this month, but now the amount of interest outstanding is over {$1000.00}, and all of the repayments are applied to that interest amount first. 

Great Lakes practices seem out of step with normal loan servicing practices and hurt consumers like myself who are simply trying to rid themselves of student loan debt burdens. 

I am not able to provide my account history. Great Lakes only provides statements for the past year, and since I was not making payments, there is little information available to me. I would be happy to work on reconstructing the history based upon my bank account and other records, but it would take some time and effort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
BBVA Compass Visa Credit Card As of XX/XX/2018 they removed the ability to pay online as I have done for many years before. I contacted customer service XX/XX/XXXX, speaking with XXXX for an hour with no resolve. Contacted them again on XX/XX/XXXX for another hour with no resolve. 
On XX/XX/XXXX went to a Branch Office, only to find that they had my profile all wrong, wrong info on everything. I was informed by XXXX XXXX I would be contacted on what would be needed to conduct business with them. After several weeks, I contacted him only to find he was on vacation. On XX/XX/XXXX, I went to another Branch Office and met with XXXX, she tried to get everything done however no follow up with no results. 
Made a payment with the teller at this time. On XX/XX/XXXX, I went back to the Branch Office, XXXX was out to lunch, spoke with XXXX a teller to see what we could do and to see if any transactions had been reversed as requested. She tried to assist with the Banking App, and had also informed me that transactions were reversed, but was unable to complete with the banking app. I also noticed at the time when setting up the App they had multiple accounts showing which were not mine, one with a $ XXXX credit line. This indicated to me they had not corrected my account profile issues from XXXX. On the evening of XX/XX/XXXX, I attempted to logon the BBVACompass webpage, only to find no payment history, no transaction history, what a way to run a bank. I'm going to return on XX/XX/XXXX to make a payment with severe reservations, I feel that any and all interest charges for these 70 days should be credited back and all records be corrected ASAP. I'm prepared to stop payments completely until it is corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I was charged a $ XXXX monthly service fee on my money market account. I called XXXX XXXX on XX/XX/XXXX and asked for an explanation as I thought I could avoid the fee by having an XXXX checking account. The website for the money market account says you can avoid the fee with a {$1000.00} min balance or having a " qualified checking account ''. There are no further details on what defines " qualified ''. The phone banker told me she would forward to other staff. On XX/XX/XXXX, XXXX XXXX ( banker at XXXX ) reached out to me via a secure messaging site. XXXX said the {$12.00} would be refunded, but I was mostly concerned about the error on the bank website. Over the course of a few days, I was pointed to different disclosures that supposedly contained the verbiage on what a " qualified checking account '' was. XXXX via XXXX could never provide any documentation. As a result, I feel many others have been incorrectly charged by XXXX. 

Please see attachments for message exchange and disclosures made available to me via XXXX or their website.

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 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
A company claiming to be a law firm has contacted me about a debt they say I owe. I do not recall having a debt with them or any company them claim to represent. I have requested information from this company and I'm awaiting there response. Also, I have issued a cease and desist order against the company. 

A demand for a Certificate of Assessment, Cease & Desist, and a Debt Disclosure was send to ROOSEN VARCHETTI & OLIVIER XXXX Also, ROOSEN VARCHETTI & OLIVIER XXXX was sent a debt disclosure regarding the alleged accounts. The demand for documents were sent via certified mail # XXXX XXXX XXXX XXXX XXXX. 

ROOSEN VARCHETTI & OLIVIER XXXX is indicating that an account with the account number XXXX and / or XXXX is an account that belongs to me. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ROOSEN VARCHETTI & OLIVIER as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ ROOSEN VARCHETTI & OLIVIER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to ROOSEN VARCHETTI & OLIVIER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 
6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
This collection account by Americollect has been plaguing my report for months saying I owe for 3 accounts. The bureaus are working on investigating and XXXX  and XXXX have deleted 2/3 while  XXXX has claimed they verified. How is this so? I first communicated with Americollect requesting information to validate this debt. They sent me invoices after clearly stating I need to see written proof of this debt or they need to remove the erroneous information post haste. I have sent two certified letters to them with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi was running an account opening promotion for new customers from XX/XX/2018 - XX/XX/2018. Eligible new customers ( which I am one )  were to receive a {$400.00} account opening bonus by XX/XX/2018 if they met the following requirements : 1. Open a new checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. 

2. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 

4. Get {$400.00} deposited to your account! 

I opened two Citi accounts on XX/XX/2018 : a Regular Checking and Citi Savings accounts. The Citi Savings account was funded with {$200.00} on XX/XX/2018 and the Regular Checking account was funded with {$15000.00} on XX/XX/2018. I maintained the {$15000.00} balance in the Regular Checking longer than the required 60 days. The balance in the Citi Savings account remains unchanged at {$200.00}. 

According to the terms and conditions of the bonus offer, I should have received the bonus by XX/XX/2018 : If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulfill required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all offer requirements. 

Make a deposit of {$15000.00} or more in New-to-Citibank funds as explained below into the new Eligible Checking Account and new Eligible Citi Savings Account, and maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit. PLEASE NOTE : To meet the {$15000.00} requirement, a minimum of {$1500.00} must be deposited into the new Eligible Checking Account and a minimum of {$100.00} must be deposited into the Eligible Citi Savings Account. The remaining balance requirement may be deposited into either the Eligible Checking Account or Eligible Citi Savings Account.

I have contacted Citi three separate times since XX/XX/2018 and still have not received my bonus, which Citi has  confirmed I am eligible to receive. They have given me a reference number for my case, which remains unresolved. Ref # 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 2018-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
REOPENING COMPLAINT : XXXX THIS IS NOT RESOLVED. 
The inspector came out and XXXX did issue a PORTION of the insurance money they were holding. However, the inspector called to say that she did not get pictures of one of the repair areas and would need to come back. Until her report is complete the balance of the funds will not be released by XXXX. The inspector was to come back on Monday, XX/XX/XXXX. Today is THURSDAY, XX/XX/XXXX. There has been no COMMUNICATION at all from the inspector. So, the issue is NOT RESOLVED because the same issue is repeating by the inspector failing to show up or call. This is NOT CLOSED. XXXX needs to respond and get on this ASAP. We have to pay the contractors! They came on Monday, expecting to be paid. 
XXXX STILL HAS NOT COMPLETED WHAT THEY NEED TO DO TO RESOLVE THIS ISSUE. JUST BECAUSE THEY ARE EXPLAINING THINGS DOES NOT NEGATE THE FACT THAT THEY STILL ARE HOLDING FUNDS DUE TO THEM DELAYING THE INSPECTION AND NOT HAVING THE COURTESY TO COME TO COMPLETE THE INSPECTION AS PROMISED. OUR TIME IS VALUABLE AND WE MAKE SPECIAL ARRANGEMENTS TO MEET THE INSPECTOR AT THE AGREED UPON TIME ONLY FOR THEM TO BE A NO SHOW. WE NEED THE BALANCE OF THE FUNDS SENT TO US ASAP SO WE CAN PAY THE CONTRACTORS.

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 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I recently applied for a Barclays Visa card for XXXX Rewards. The main purpose for opening this application is because I wanted to buy a XXXX on 12 month finance. Shortly after my application I got an mail from Barclays asking me to call them and verify my information listed on my application. I called on XX/XX/2018 at XXXX to verify my information. They asked me for a copy of my proof of address, ID, and social security. I asked them if I gave them a copy of my passport and visa would it be okay or not, since I am here in the US on XXXX XXXX doing my XXXX at XXXX State and they said no and further said that it has to be a US passport. I am really surprised by this because this feels like discrimination against my national origin and it violates the Federal Equal Credit Opportunity Act. Please help me resolve this issue thanks.

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 2018-10-04 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I filed a chapter & bankruptcy to legally discharge the supposed debt I have with XXXX XXXX XXXX XXXX XXXX. This was presented to me as a private loan through XXXX XXXX that could be used for college expenses or personal expenses not related to school. Obviously, not one dime of this money was used toward college or I wouldn't owe the federal government over {$80000.00} in student loans today. My credit report is showing this matter as having been closed ( see attachment ). I already paid over {$2000.00} to XXXX, XXXX XXXX XXXX after the bankruptcy because I was unaware that they had no right to further collect on a discharged debt nor could I afford an attorney at that time. My current attorney sent a letter to them last year which subsequently led to the debt being removed from my credit report as closed. I was served with suit papers with a court appearance scheduled for XX/XX/2018 in XXXX XXXX court by XXXX XXXX XXXX the latest law firm to take over these collection practices. They had attempted collection last XXXX via mail and I replied via email that this debt was legally discharged via Chapter XXXX and brought up the lawsuit by Consumer Financial Protection Bureau against XXXX that stated collection could not be pursued while the audit of over 800,000 records was in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc.
State: IN

Complaint narrative:
I received a notification from my online reporting service that a collection was reported to my credit report, I contacted the collection agency and received information regarding the collection at which time I communicated the debt did not belong to me an it was unjustly placed on my credit report. I was given a number to XXXX who was the agency who sold account to XXXX XXXX. I called the number given to the XXXX fraud department after I completed the fraud packet I completed. I spoke with several different representatives who were overseas and informed me that I did not have the right to ask for proof of account and that I would need to speak with their attorney who was another representative and I was ridiculed and informed to fax my social security card, ID, bank statement, which I did. My first initial contact with both XXXX and XXXX XXXX, they did not have my SSN or DOB, just my name. I called XXXX back a few days later and was informed I did not need to send over that personal info and was asked if I was " stupid '' for doing so. I have tried feverishly to correct this negligent error and to add insult to injury, I now don't know if anyone is going to use my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested a credit line increase to one of my cards. They immediately sent me a letter that this was not possible since I already have the highest credit amount that they issue. Yet they ran a hard inquiry to my credit, hurting my score for no reason whatsoever. They should not have ran my credit and put a hard inquiry against my credit score, knowing full well that there was no way to increase my credit limit since I already had the highest amount they offer to any of their clients. I want this inquiry removed from my credit. 

KOHLS/CAPONE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCSPLUS INCORPORATED
State: DC

Complaint narrative:
The city of XXXX XXXX bill me for water consumption for a period I did not use because I did not owed the property for the billing period. Then, report this account in collections affecting my credit report without notice to me. I did not receive notice or have a chance to dispute this balance. I sold the property in XX/XX/XXXX and the bill goes to XX/XX/XXXX. I learned about the debt in XX/XX/XXXX after my credit score when down and I contacted the city of XXXXXXXX XXXX to pay the balance and the XXXX XXXX XXXX. After multiple calls with on solutions I sent proof of the sale of the property, proof of {$250.00} in escrow to pay the bill with the title company and requested they update and remove the collection report. The city of XXXX XXXX stated they will not remove the information and insisted even if they update the balance of {$220.00} to {$86.00} they will not remove the collection report after payment. XXXXXXXX XXXX   stated they will not let me dispute the charge or receive any proof until the City of XXXXXXXX XXXX notify them. As of today, XX/XX/XXXX I was not allowed to pay the {$86.00}. The only option is to pay the {$220.00} that I do not owe. Base on what XXXX XXXX city told me the current balance after adjustments will be {$86.00}, but their system or representatives will not take the payment for {$86.00}. Also, the title company still in possession of the escrow funds to pay the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
On XX/XX/2018 I received a call from One Main requesting a payment. I was driving and asked the representative if I could call back and she continued to talk. I was trying to pay attention to the road and she continued to harass me and would not hang up. I had to hang up on her. It appears she locked my account so I can not make a partial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
The town of XXXX MA has sent {$760.00} to XXXX XXXX XXXX   on XX/XX/13. The money has not been put back into my escrow account. I have contacted the Bank a number of times and no one seems to know where it is.

Company response to consumer: Closed with explanation