vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 I was at XXXX XXXX in Florida. I used an ATM to withdraw {$100.00}. Then my account was hit multiple times for {$800.00} overdrafting my account. We were not notified by Td bank. Upon our arrival back home to Ny on XX/XX/2019 I checked my account to find that transactuon posted on that same day. I notified the bank to make a complaint. I was told it was impossible for me to make those withdrawals due to the speed of the transaction. I was told provisional credit would be available. That did not happen and again I was not notified by TD bank.I went to our bank to complain 3 times.Again they said it was impossible to make such transactions. Upon calling XX/XX/2019 found out the claim was denied.I Filed again and promised provisional credit would be available on XX/XX/2019. Upon calling again on XX/XX/2019 I was told the claim was denied on XX/XX/2019. Still not notified by TD Bank. Since then with overdraft fees the bank has taken my child support check which is my only source of income which brought to call CFPB XX/XX/2019 to file my complaint. Thankyou for any and all assistance to resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In attempting to purchase a new car I was advised derived from my Equifax report that there was a credit freeze applied. This was NOT through any effort of mine but was applied by a third party unbeknown and never heard of previous by me. I NEVER used their services. An attempt to call to resolve was met with this- 1. Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. I find this a great abuse of power and fraud. Their action providing a lie and incorrect information not only cost me the sale but contributed to adverse financial impact upon me and mine. I have had consistent and major problems with credit reporting agencies NOT reporting correctly or repairing the damage in an efficient time or manner. All three allegedly have reporting data accessed and prepared outside of these United States and they fail to respond to my request to cease even though multiple written reports have been made to them and through your hollow shell of a protection resource. WHY? The fact is just a day before y credit score was reported to me 100 points higher. In my opinion this entire system is a mere con and shell game to exploit and defraud people to gain higher interest rates and money! As you say and to paraphrase in my own understanding and words- go away and get a lawyer! You say it not me! As a post script I had a freeze through the major bureaus removed almost two years ago and it is evident by the evidence presented there is in my opinion a major flaw in this entire system

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2019 - I was trying to access my J.P. Morgan Chase Checking Account information via their online portal. I was unable to access it because my internet browser support had been discontinued and blocked. 

They were requiring to install internet browsers that were incompatible with my computer. 

There had been warnings from the website login page that this could happen and I had already contacted and warned their support group that my system could not use the browsers that they were recommending because of their lack of compatibility with my system or my misgivings about their security. Further I advised them that I had other software that would be effected by an OS/Hardware upgrade. I also recommended that since I am likely not the only user with a legacy system that they should have an alternate site for those customers. 

I was trying to use XXXX XXXX browser version XXXX which is the latest version of XXXX I can install on my XXXX XXXX XXXX running XXXX XXXX XXXX ( XXXX ). 

When I contacted J.P. Morgan Chases support line, they stated that they only support from version XXXX and up. My computer can not support the OS required to run that browser. However my computer is in excellent running condition and has been able to access that data with no difficulties before this. 

For now, I am accessing the data through a virtualized XXXX XXXX with XXXX XXXX ( XXXX ) but this is only a stopgap solution. It is significantly slower than using the base OS of the computer. 

I am able to access other finance services online without being required to use this later version of web browser. Further none of the browsers they recommend will operate on my computers Operating System. 

I have a significant investment in my computer and its software. This is an unreasonable and unrealistic burden to be placing on customers when banks are constantly pushing customers to access their data online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: TX

Complaint narrative:
They double charged me for my ending balance on XX/XX/XXXX and made my bank get overdrawn. They are saying I put in a payment, which I did not. I know my account is on auto pay. Online, the payments were put in XX/XX/XXXX XXXX XXXX {$6000.00} and XX/XX/XXXX XXXX XXXX {$6000.00}. Both of these are withing an hour of each other. 

They told me it could be up to 25 days to reverse the charge or they could mail a check in a week. So, they are holding {$12000.00} of my money ( {$6000.00} of which needs to be returned XXXX for at least a month. 

Last year ( in XX/XX/XXXX ) TWICE they kept money ( totaling over {$50000.00} ) I paid to the card for at least a week before releasing the balance. They refused to tell me the exact reason why other than the bank hasn't release the money. Eventually I got an email, after I threatened to close my card, stating that they are holding the money in case the bank reversed the money. I spoke to my banker the day after I paid the card and he said the money was already released and sent to XXXX. 

Every time I call, the person I'm speaking to is a " manager '' and there is no one else I can speak to. The lady today lied to me when I asked to speak to someone else. In XX/XX/XXXX, when I asked to speak to a supervisor, I received the same response, " there is no one else for you to speak to regarding this issue. ''

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 2019-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Hello, I was notified that my student loan servicer has reported me late on my credit report. I was on an income based repayment plan and not aware of a payment due. I contacted the servicer in XXXX and was not told there was a payment due. As a veteran, I rely on my credit which is important. I also spoke to the representative last month, and told her I did not agree with the reporting. She informed me that she would make the account current and what was past due. She never put the account in deferment/ forebarance. I am also including the document history which shows the last time documents were uploaded. 


Between me and my wife we have over XXXX in student loans, my payments are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
This dispute is in response to my discovery of a collections account on my credit reports from Diversified Consultants to collect a debt that I contend was not opened by or authorized to be opened by me. This is the second time that I have submitted a complaint regarding this account. The first collections attempt was via XXXX and it was removed from my credit report. I have filed the attached identity theft affidavit regarding this account and will also submit a fraud report with XXXX XXXX XXXX. Furthermore according to my credit report this collections account was added to my credit report on XX/XX/XXXX ; however as of XX/XX/XXXX I have received zero correspondence from Diversified Consultants informing me of their efforts to collect a debt, name of the creditor, amount owed or that I can dispute the debt per my rights under the Fair Debt Collections Practices Act. Also the Fair Debt Collections Practices Act, Section 609 ( a ) ( 1 ) ( A ), states XXXX XXXX XXXX / Diversified Consultants is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. That said I require verifiable proof ( the original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX  Mobility / Diversified Consultant immediately remove all collections reporting entries from my credit report and cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper validation or verification has negatively impacted my ability to obtain credit and as a result I was rejected for credit. My next course of action will be contacting XXXX XXXX XXXX leadership of this violation of the FDCPA up to and including the CEO and Board of Directors and will purse litigation if this is not removed from my credit reports. If verification is not received within 30 days of this dispute under FCRA 15 U.S.C. 1681, unverified account reporting must be remove from all of my credit reporting agency report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
The Company, XXXX XXXX XXXX, continues to call me on my cell phone and work phone for debt that is not mine. This debt is most likely owned by a family member who shares my name. Even if this debt was mine, they can't call me at work. I called once to get them to stop, but they wanted me to identify myself, despite them not knowing they had the right person. They hung up after I got angry. But I would have reiterated the fact they were calling me at work, which is wrong. 

The Company 's phone number is XXXX XXXX XXXX XXXX. My reference number is 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 2019-03-19 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2017 I had sent a letter ( attached ) to XXXX XXXX XXXX  ( the original creditor ) to dispute the derogatory statements on my credit report which was hampering my ability to obtain an approval for home loan through XXXX XXXX XXXX XXXX. This action did not result in the desired action from the company. 
I had then sent a letter to the FTC who then escalated it to the OCC who then had XXXX XXXX XXXX   remove the derogatory statements from my credit reports. 
For reference my original complaint to the cfpb : Complaint Number XXXX ( attached ) was regarding the original creditor who has sold their accounts to LVNV, LLC the current owner c/o Resurgent Capital Services. 
I have also attached the XXXX XXXX XXXX XXXX  sent to me from XXXX XXXX XXXX  proving that this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK USA NA Closed : XX/XX/XXXX {$910.00} Closed Overview You're currently using XXXX % of your account 's limit. 
Balance {$910.00} Credit limit {$500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$910.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX this card was in my name but not me from what I see they can't find me under my social security number my last 4 digits is XXXX I'm pretty sure that's not what they have so that can't be me this has to be some kind of fraudulent account opened in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have repeatedly advised wellsfargo that they are escrowing for the wrong amount on my homeowners insurance. they are withholding for a {$2200.00} yearly premium and the actually amount which is attached is {$1300.00}. I would like a refund of the overage asap and for them to recalculate my monthly payment based on the correct escrow amount.

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 2019-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA
State: FL

Complaint narrative:
About 2 months ago I applied for a home loan through Mortgage Lenders of America. The loan officer below was the one who attended me. 

XXXX XXXX, NMLS # XXXX Senior Mortgage Loan Officer Mortgage Lenders of America direct ( XXXX ) XXXX-XXXX mobile ( XXXX ) XXXX-XXXX Toll-free ( XXXX ) XXXX-XXXX, ext. XXXX fax ( XXXX ) XXXX-XXXX XXXX@mloausa.com This whole process has been a nightmare so many things were not diclosed. Numbers have changed over 5 times and after locking in my rate all of sudden 3 days to closing all numbers changed and rate went up to 3.42 points from 1.5. These are bait and switch tactics and they are taking advantage of my situation and the 2 months of craziness I have been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: FL

Complaint narrative:
Could not purchase vehicle due to erroneous credit file freeze by XXXX XXXX XXXX reporting XXXX via Trans Union and XXXX- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!

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 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
XX/XX/2019 I sent them dispute to validate debt. 
They responded without enough information to prove the debt was owed. 

XX/XX/2019 I sent the notice of not sending me required documents I requested to validate and have not received anything since. They are still reported to the credit bureaus and increasing the balance while the debt still has not been validated Therfore they are violating my rights and giving my credit score a negative impact to establish credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: WA

Complaint narrative:
XXXX Reported on XX/XX/XXXX {$6600.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and  mail it to the address below. 
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : 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 2019-03-19 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Dear CFPB I have auto and home insurance policy with XXXX XXXX XXXX. 
XXXX had underwritten this policy with XXXX XXXX. Recently they put me with other insurance by switching from XXXX. 

Here by I am attaching a letter from XXXX that I had received about my policy is being closed by XX/XX/2019. On XX/XX/XXXX XXXX has settled out my bill and paid me back my remaining balance from my early payment which is showed in my credit card bill in another attached file. 

Later they send me a new bill with remaining balance which I informed them as paid through before settlement as informed by XXXX XXXX XXXX. 

There is a clear issue running between two persons in XXXX. I never new about XXXX before until XXXX XXXX XXXX XXXX wrote my policy with them and had switched me from XXXX XXXX to new Insurance company. 

I also attached copy of emails that I wrote to XXXX about informing them that my bills were paid through XXXX XXXX XXXX and offer another chance to go over it about inquiring why an unpaid balance appears. I also offer them to talk with XXXX XXXX XXXX about that and requested to communicate with me twice. 

Following that XXXX never return back informing the bifurcation to me about the amount paid to them by me and the amount was returned by them. 
I was considered not paid while my credit card was on file for deduction and they did not charge me for that. 
And while asking XXXX XXXX XXXX through whom I was paying my Insurance bill with has informed me that all charges were settled out. 

With ignoring all those facts about me reaching out to resolve any standing issue, XXXX is just out of their way for collecting blindly without any details of what charges they are unpaid for. 
There is no details to resolve the issue with me and reached out to credit collectors because I am overly paid with their bills and they just think they can get some more last time again!!! 


While talking with credit collection services twice on XX/XX/XXXX through which XXXX is trying to collect money I was told that remaining balance might be from cancellation charges! XXXX I was never informed that by XXXX or XXXX but now by XXXX. When I informed that the bill was being taken care by XXXX XXXX XXXX XXXX, they even told me that the bill has come to them from corporate office and they do not talk to XXXX level showing their clear intention just to threat me about ruining my credit and debt collection. This is on recorded conversation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
InXX/XX/XXXXIenteredintoarehabloanagreementwithConservetobringmeoutofdefault.Theyneversentmeanyfinalpaperworkorcorrespondence,theyjuststartedtakingautomaticpaymentsoutofmybankaccountwhichIauthorizedundertheassumptionthepaymentswerebasedontheloanrehabagreement.Thepaymentshavebeentakenoutmonthlyfor2years.Isporadicallywouldreceivealetternotifyingmethattheamountpursuanttomyloanagreementandpriorauthorizationwouldbededucted(acopyofoneofthelettersisattached).IreceivedNOothercorrespondenceotherthanthesesporadicletters.ThisyearmyhusbandandIfiledjointtaxreturnsandreceivedanoticethattheentireamountwastakenasanIRSoffsetduetomyUSDeptofEdloanbeingindefault.IcalledthenumberontheIRSletter(USDeptofEducation)andtheautomatedsystemsaidmyaccountiswithConserve&transferredmetothem.TheytoldmethatafterIfilledoutallthedocuments(backin2016)theydidanauditanditwasdeterminedIshouldbepayingmorethanwhatmycurrentamountis,butIwasnevernotified.IreceivednocorrespondenceinanywayormessagesoremailsoranythingfromConserveabouttheproblemwiththeamountotherthanthesporadiclettersImentioned(oneisattached)andsincetheautomaticpaymentswerebeingtakenmonthlyfrommybankaccounthowwouldIknowtherewasanissue.IaskedthemwhyIwasnottoldabouttheoffsetsoIcouldhavetriedtorectifythesituationandwastoldwecantgeneratethattypeofcorrespondenceIaskedwhynobodycontactedme,Iwastoldwetriedtocall.IaskedwhenIreceivednomessagesandiftheycouldntgetmebyphonewhydidnttheysendmecorrespondence.Iwastoldwecantdothat.Sohowisapersonsupposedtorectifyasituationthattheyarentevenawareof?HejusttoldmetohavemyhusbandfilloutaninjuredspouseformbutwouldnotgivemeananswerofhowImindefaultifIhavebeenmakingpaymentsfor2yearsandwasNEVERtoldtheirwasanissuewiththeamount.Theywouldnothelpmeatall.IcalledtheIRSoffsetnumberitsaidtherewerenone,IcalledUSDeptofEducationtheytellmecallConserve,IcallConservetheywontgivemeananswerofhowImindefaultifIvebeenpayingwhatIthoughtwasalegitimateloanrehab.Nobodywillanswerme,nobodywilltellmyhowthishappenedandwhatIcandoandwhy/howImindefaultifIvepaidmonthly.

Company response to consumer: Closed with explanation