vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth third bank kept my funds and allowed fraudulent activity to go on into in my account. My credit card payment was negatively impacted due to fifth thirds negligence which impacted my credit score dramatically. Fifth third bank agreed to release my funds several times via telephone. Then refused at the last minute. Causing financial burden fifth third bank did not close my savings and checking accounts when I demanded due to fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, On XX/XX/2019 my daughter XXXX XXXX account was compromised and fraudulent checks where deposited in XXXX XXXX, CA and then some one withdrew the money in XXXX XXXX, CA but XXXX XXXX was in XXXX, CA. A claim was filed with chase but chase denied the claim saying the theft was my daughters fault and then proceeded to take {$1800.00} dollars from 4 different accounts belonging to myself, XXXX XXXX, and XXXX XXXX to bring XXXX XXXX account to XXXX and left 3 accounts in a negative balance. These accounts then in turn where hit with numerous overdraft fees. We tried a second time to file a claim again do to my daughters card being stolen but again chase has denied the clam. These where clearly bogus checks and they even misspelled my daughters name on the withdraw slip but chase sill let the money be withdraws and wont return our funds. We have a police report filed and still chase is not helping us in this fraud matter. Chase has done nothing to assist and has ran us around for 2 months and does not return our call on the matter.

All account are under the Parent account XXXX XXXX and I have access to all account mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested for XXXX XXXX XXXX to verify acording to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded with verified as accurate without the requested documentation, continuing to be in violation according to section 611-non compliance and continuing to damage my report.

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am trying to locate a PHH executive because since XX/XX/19 I am going through problems that are never solved by the bad work they do and I am very scared after reading all the reviews of clients and talking with the lawyers that defend a legal case they have. I have reported all irregulations to the state of Florida, but I would like to speak with a senior executive.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United Acceptance Inc.
State: LA

Complaint narrative:
XX/XX/19- I have had 2 calls back to back within 2 minutes from the same company about finishing paying for my car. The first call got ignored and second I answered. I also got a voicemail from the first call about collecting the rest of the note. I answered the 2nd call and told them I just got a call from them and listened to the voicemail and also told them they were harassing me. I get calls every week which I'm ok with but same day and within a matter of minutes was not ok. I told them I am paying it soon. I have talked to the manager before letting them know of my situation and she said she noted it several times. The company is United acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MoneyLion Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX I paid off my loan in full with a payment of {$210.00}. I have bank records to prove as it was deducted from my checking account. On the moneylion website it is saying I still owe that payment, as well as reporting to the credit agencies that the payment is in collections.

I have sent several emails to XXXX and only get an automated response.

I have called the support number 5 times and on hold for more than an hour each time, only to be disconnected, or hung up on as soon as it is answered.

I have messaged on XXXX  and been directed to XXXX to " submit a ticket '' but no option once there.

I am ready to take legal action and this is my last attempt before doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded to repeatedly with verified as accurate without providing the requested documentation.I have specifically asked for an investigation and not an electronic or XXXX verification and their method of verification but they continue to ignore my requests.

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 2019-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have loans serviced by Navient which were originally {$22000.00} and {$11000.00} these loans have grown in interest over the years to now be {$36000.00} and {$20000.00}. Because I defaulted on these loans the total amount owed with collection fees is reported to be over {$71000.00}. There is no way I can pay this amount. When trying to deal with my loans and get out of default, I learn that I should have been put on an Income based repayment plan. I was a single parent beginning XXXX. I was married from XXXX, but my husband passed away in XXXX leaving me a widow and once again a single parent. I was single up until XXXX and struggling with my daughter to make ends meet.Because of my circumstances, I would have qualified. Every time I spoke to someone, no one ever attempted to set me up for any sort of loan forgiveness or an Income based repayment plan. I was always pushed into forbearance or deferment. My loans have constantly been in a state of forbearance or deferment. If they had been in an appropriate income based repayment plan my loans would likely be paid off or forgiven by now. Instead I am haunted by this overwhelming debt, and harassed by XXXX and XXXX XXXX who are attempting to collect this balance for Navient. I feel like I have been hustled into this crazy amount of debt that I shouldn't actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On XXXX I paid off my loan in full with a payment of {$210.00}. I have bank records to prove as it was deducted from my checking account. On the moneylion website it is saying I still owe that payment, as well as reporting to the credit agencies that the payment is in collections. 

I have sent several emails to XXXX and only get an automated response. 

I have called the support number 5 times and on hold for more than an hour each time, only to be disconnected, or hung up on as soon as it is answered. 

I have messaged on facebook and been directed to XXXX to " submit a ticket '' but no option once there. 

I am ready to take legal action and this is my last attempt before doing 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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer  contract and have been responded to repeatedly with verified as accurate without providing the requested documentation.I have specifically asked for an investigation and not an electronic or XXXX   verification and their method of verification but they continue to ignore my requests.

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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded to repeatedly with verified as accurate without providing the requested documentation.I have specifically asked for an investigation and not an electronic or XXXX  verification and their method of verification but they continue to ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XX/XX/2018 I phoned Navient, account #XXXX XXXX XXXX loan group #XXXX, and spoke to a representative in order to pay off my loan in full. I wanted the exact amount I owed, on that date, to pay it off. I was given a quote of $XXXX. I paid the amount in full.  order# XXXXSince then, I have received a monthly statement saying I am still being charged interest on this loan. I have called three times and the company is fully aware of the on going issue. But nothing has changed. This is now affecting my credit report and I want the account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
XXXX Loan At Last-Acct. # XXXX XXXX XXXX XXXX Loan Amount XXXX XXXX Loan at Last  withdrew from my checking account-XXXX  XXXX XXXX, the following : XX/XX/2019- XXXX XX/XX/2019- XXXX XX/XX/2019- XXXX XX/XX/2019- XXXX Total : XXXX I contacted the fore-mentioned company to inform that my loan amount had been paid. I was informed that I had six remaining payments of XXXX. 

At that point, I informed them to discontinue withdraws. Another attempt to withdraw XXXX on XX/XX/2019 was made. 

I contacted XXXX XXXX and placed a stop payment on XX/XX/2019, and all future withdrawals from this company. 

My complaint is that I was not informed that I would be billed for more than the original loan amount including nominal interest. This is fraudulent if not illegal. I paid my loan in full plus interest. 

There is no resolution with this company. My fear, is that this company will continue to operate in this fraudulent manner and hurt many in the process. 

Please advise. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank of my called XXXX XXXX XXXX XXXX XXXX Acct # XXXX did not send electronically as I wanted when I set up the payee online. They sent to the Bank of America late! The Bank of America refused to change or correct the information. However, they did AFTER receiving the check from the XXXX XXXX XXXX XXXX XXXX. On my first attempt, I tried to fix but they did not believe me. I have a several pictures attached to prove you. The Bank of America charged me on late fee and even charged me for {$13.00} dollars for interest rate. Why would they charge me twice??! The Bank of America is a rip off! I asked them to credit both and the bank refused. I did pay the payment on time which was XX/XX/XXXX ... .before the deadline date. I pay on time always, but the bank and credit cards keep messing up my credit record. THIS IS WHY I am frustrated with them. They always ruin my record. I ask you to please investigate this thoroughly. How did I know I did not have a good record? XXXX  was the one that shows me the problem and it started with Bank of America. In fact, I called them today about why they changed the APR, they said they did not. So I don't know why XXXX   has that information about the APR and it pulled ten points off from my record. I deposited my whole {$8000.00} cash into a secured card I requested. But XXXX  is harming my record even though it was MY MONEY and I made it as a secured card ( last digit as # XXXX ) within Bank of America. XXXX  needs to fix this record and do not blame me for the APR because the man at the Bank of America never told me about the APR. I would not want a secured card with a high APR, the Bank of America never told me about the APR. However, the Bank of America and XXXX  both have different information on APR. Can you please have them fix the problem?! And keep my credit record clean as it was! Also, I check XXXX XXXX  XXXX XXXX, it has a proper status as + for a credit. However, the Bank of America has - as a symbol for a credit. I do not like the Bank of America XXXX symbol. It is not friendly. They need to change to + as a credit. It is more proper status.

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I recently bought my home and the lender was XXXX XXXX, XXXX sold my account to Lakeview on XX/XX/19. I made the following payments to XXXX XXXX : {$600.00} on XX/XX/19 Closing Interest {$15000.00} on XX/XX/19 Principal {$2200.00} on XX/XX/19 Principal XXXX   XXXX sent me a statement on XX/XX/19 with a remaining balance of {$240000.00}, with {$740.00} interest. XXXX sold the account and the current lender Lakeview, they started charging interest on the original amount {$260000.00}, at first they told me since they don't have all the payment information, and will adjustment the payments ones they receive all the information from XXXX XXXX. However, now their history shows that they have received all dates and amounts of payments, however, they did not correct the principle they charged interest on. I have continually been calling and sending them e-mails. They didn't correct it, and continue to give me incorrect principal amount. Therefore, charging me more in interest. I am making more in payments towards the principle but they are charging more in interest, on {$260000.00} principal - verify payment made on XX/XX/19 to Lakeview, interest charged {$790.00}, whereas interest charge should have been XXXX. I have this statement from XXXX XXXX, showing the correct principal of {$240000.00} and a payment in interest was supposed to be {$740.00}. However, Lakeview charged {$790.00} in interest. This has continued and therefore, my principle is incorrect, and my overpayment that should be applied towards principle is going towards interest. Therefore, the principal and interest is incorrect. I have been told several times they will fix it but they don't each time I call in I am been told we will update and correct the error within 5 days. However, they haven't, every time I call they keep transferring the call it take almost 2 hours and then someone will assure that they will get the account corrected, but it never happens.

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 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I Recently found out the I had a credit card the was received in my name, THAT I HAD NOT APPLIED FOR. So I reported to Bank of America ( XX/XX/2019 ) as fraud/Identity theft and they proceeded to take the steps necessary for the action. But about a month later I was told that the case was closed and that I was still responsible for the payment due, because someone had already made payments on the payment amount ( NOT BY ME ). So I've recently just learned that it is required of the business to send proof of documentation of the original form that was supposedly filled out by " Me ''.

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 2019-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Installment loan was taken out on XXXX {$2000.00} over time I have made a {$200.00}, XXXX, and XXXX toward the loan and have paid over {$1400.00} in Apr, and fees. Leaving me with a total payoff balance as of XX/XX/2019 in the amount of {$1900.00} owed to cashnet to leave me at a XXXX balance. How is that legal? I cant put food on the table or keep a roof over or head at the rate Im going. Please help. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of Inquiry XX/XX/2018 I am in the process of purchasing a new home where I recently obtained a copy of my credit report. I noticed there are some inquires which I did not authorize. I contacted most of the companies directly, there was a lot, I am not sure where this is stemming from, and they educated me to contact the agency reporting the information as there was nothing they could do. I contacted the reporting agencies, I was advised to maintain a police report, I got a police report from my local police station ( The officer was a bit confused but provided the information nonetheless ). I contacted the agency reporting the information " Transunion '' again and was told to contact the company again. The following inquiries were not authorized by me and needs to be removed immediately. according to my records I have not provided the above accounts to obtain my credit report. If you have my signature in writing displaying where I did, please forward that information over to me. My mortgage lender also educated me to explain that I do not need ANY fraud alerts placed on my account as they will pull my credit periodically to verify information

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 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP
State: FL

Complaint narrative:
Old national bank which bought XXXX XXXX  when i called them and asked them to transfer funds from my savings account to my checking account on accounts that i am the only person who has ever been listed on them and the checking account has been open since XXXX. they then tell me that the only way they will transfer it is if i give them my complete ss # or drivers license number on an unsecure recorded phone line.. should it really take 20+ minutes to transfer funds should it really take over 7 minutes just to get an unhelpful live body on the phone?

Company response to consumer: Closed with explanation