vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a Capitol One Visa account ( ending in XXXX ) which I pay in full with monthly automatic payments from my Capitol One 360 checking account. On XX/XX/2018, I paid the pending XXXX amount due ( {$6900.00} ) because I knew I wanted to make another charge which would take me over my limit ; I also paid an additional {$1.00} which I had charged. A few days later I noticed the Visa account showed the XXXX amount due as still scheduled for payment. 
So I called Capitol One Visa at XXXX ; I reached a young man who blithely insisted Capitol One Visa would never take money from my checking account if it had already been paid. He insisted there was nothing I could do to get that algorhithmically-generated amount deleted, but dont worry! 
On XX/XX/XXXX I find an email telling me Capitol One is taking the money. On-line, I, indeed, see that Capitol One has withdrawn {$6900.00} from my checking account -- although I had paid that amount on XX/XX/XXXX. 
At the same phone number multiple first-name only " supervisors '' tell me it will take five days to refund my money. And they say nothing about interest which they owe me on either the amount I paid XX/XX/XXXX or on the amount they removed in a microsecond on XX/XX/XXXX. I ended up talking with a XXXX. She insisted Capitol One Visa procedures can not be over-ridden. 
So, Capitol One Visa gets use of my {$6900.00} from XX/XX/XXXX through XX/XX/XXXX, then gets use of another {$6900.00} from XX/XX/XXXX through probably XX/XX/XXXX. And I don't earn any interest which would have accrued had Capitol One Visa handled the financial transactions correctly. 
There are computer programming failures here as well as training issues for employees who answer phones and give information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been a loyal customer of Bank of America for over 10 years, in that period that bank of would grant its customer 24 hours to correct the mistake of a overdrawn balance. However recently on XX/XX/2018 was charged 3 overdraft fees of XXXX  dollars each for transactions i did not authorize. I spoke to Bank of America 's customer representative named XXXX XXXX but she kept saying over and over again she would not refund the fees even though a full 24 hour period was not granted to me to fix the overdrawn balance before these fee were charges onto my account. I am struggling college with tens of thousands of dollars of debt already, i feel i have been fighting with BOA 's aggressive and predatory overdraft fees for several years now. Please help with 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 2018-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I refinanced my used car the following month after purchasing it. I also cancelled an anti theft and GAP insurance prior to refinancing. I received a pay off amount from Ally Financial and paid it off with my new loan from XXXX XXXX XXXX specifically I worked with XXXX XXXX ( XXXX XXXX XXXX figured the daily interest, refinanced my 2013 XXXX and I waited on the title. Ally Financial sent my refund check for the Gap and Anti Theft back to XXXX XXXX saying it was a duplicate check and would not release my title. As I was paying XXXX XXXX XXXX on my car payment they were reporting me late to the credit companies when they were paid in full. It took Ally over a year to iron out their mistake but they have released my title now. I have proof from the current bank with my loan, all documentation of pay off from Ally, XXXX and XXXX XXXX and have been timely on every single payment with auto pay from my account. However, Ally Financial says they only report late payments and can not rescind those reports to the credit agencies.

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 2018-10-02 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to 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 2018-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I contacted Ocwen to for Modification. I have made every payment this year, however I am having trouble getting Ocwen to help Modify the loan. The use these stall tactics where they keep requesting the same information over and over again until you end up in foreclosure. I had to file a bankruptcy to stop it now I allowed my bankruptcy to lapse and Ocwen is now saying that they need additional paperwork. This happens over and over again. They did not honor the court order from before and they keep finding excuses to not approve the modification. I know they don't have to approve it but the stall tactics are not the proper way to do business. I have submitted my paperwork again and I have been submitting it for over a year now. Please help me get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a loan deposit from money lion plus of {$500.00}. Within 3 days of receiving the loan, I checked my money lion account yo see when my first payment will be scheduled. It showed that I owed a fee of {$19.00} months until I pay the loan off. It also showed that I will be paying a membership fee of {$36.00} biweekly in addition to my biweekly payments. I called them and was explained that its a membership fee since they dont run credit. And at the end of the loan term it will be reported to the credit bureaus. Well to start off, the membership fees are not conspicuous, you dont notice them or know about it until you have applied and funds have been deposited and nothing you can do but stay XXXX in this trap. This is definitely iilegal.

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 2018-10-02 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: NM

Complaint narrative:
XXXX and Trans Union are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to 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 2018-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2018 n XX/XX/2018 I made a 2 transaction to a person named XXXX XXXX email XXXX n XXXX XXXX XXXX. Transaction over a Bday gift for my son ( XXXX tickets ), {$500.00} each transaction a total of {$1000.00}. We kept in touch for over a week in a half, n suggested using XXXX since it was going to be faster n have statement over the transaction. I send her the 1st transaction which she told me she received n stated they were reserved following by the 2nd transaction she would send the tickets instantly to my XXXX. I never got them. I have been sending her messages over messages n nothing she doesnt reply. Called the bank XXXX XXXX n said they couldnt do anything cause XXXX is involved, called XXXX they dnt have human working their operating system n their options have nothing to do with this. Emailed XXXX n thier response to call my bank provider which means its a back n forth situation without resolving anything. XXXX is financialed by XXXX XXXX n many other banks, only banks owned by XXXX can operate it. They should know where the money goes. They should be able to track it. I as parent work so hard for this n for XXXX to just clean their hands n do  nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CHASE has put a hold on my check and has not given specifics - regarding how long a hold remains on a check AFTER the funds clear?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been working on this for some time now. XXXX is the only company that is listing my creditors and credit score. XXXX literally told me that I can not have a 1 letter last name. XXXX would no longer help me any further. Experian can not find anything except when entering my middle name of XXXX as my last name. What they did find are two older accounts that were closed over 10 years ago. Experian did open an investigation into the matter. They concluded that my creditors were not reporting any information to them. So I called all of my creditors, 5 student loans and 4 credit cards and they all state the same thing. They are reporting my name and information to the three credit bureaus as is - XXXX   XXXX  XXXX. This is now affecting my ability to purchase a new home. Please help me ASAP.

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 2018-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX was listed as a collection on my credit report for the amount of {$5500.00}. I did not receive any notification of this debt before posted to my credit. I disputed this debt with all 3 credit bureaus and was notified that the debt was verified. In XXXX I recieved a bill from XXXX XXXX XXXX for this same debt. Tried to speak with XXXX XXXX XXXX about the debt and was notified that they no longer have this debt. So I asked for validation of this debt from the credit bureaus and recieved a reaponse from XXXX XXXX XXXX. I contacted them once again and they told me again that they no longer have this account and that I would need to contact XXXX XXXX XXXX  which is who is listed on my credit reports. XXXX XXXX XXXX does not have a working number. The address is not valid. I researched the company and found no way of contacting them. Asked XXXX XXXX XXXX for a working number or address for the company and they do not have either. This debt is on my credit and I have no way of resolving it or removing it. The credit bureaus are not doing there job as far as the verification process and validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
They call from different numbers repeatedly everyday including Saturdays and Sundays I have told them I am not working right now but they dont care they harass me daily and I am sick of it! The name of this company is Portfolio Recovery!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been working on this for some time now. XXXX is the only company that is listing my creditors and credit score. TransUnion literally told me that I can not have a 1 letter last name. TransUnion would no longer help me any further. XXXX  can not find anything except when entering my middle name of XXXX   as my last name. What they did find are two older accounts that were closed over 10 years ago. XXXX   did open an investigation into the matter. They concluded that my creditors were not reporting any information to them. So I called all of my creditors, 5 student loans and 4 credit cards and they all state the same thing. They are reporting my name and information to the three credit bureaus as is - XXXX XXXX XXXX. This is now affecting my ability to purchase a new home. Please help me ASAP.

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 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went to bank of America to cancel all accounts including my credit card account. My credit card was never cancelled and was charged without my knowledge. I am buying a house and checked my credit report to find I have a delinquency on a bank of America credit card that was supposed to be cancelled. I have contacted Bank of America and they have not been able to clear the charge from my card nor have they been able to remove the delinquency from my credit report. I have been transferred to 5 or more different people while on the phone with bank of America while requesting the card to be cancelled and charge to be removed and delinquency to be removed from the credit Report. I have never missed a payment in my life and have had a very high credit score until this incident. I am currently on the phone with them for 1 hour and 15 minutes.

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 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
XXXX  XXXX of XXXX, CA collected - through garnishment- an old student loan account for XXXX . 

1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from XXXX once I contacted XXXX   about the matter. 
XXXX  XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with XXXX. 


2 ) XXXX XXXX over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with XXXX and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX  XXXX   ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 ) XXXX XXXX  has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. 

I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to XXXX, but the monies were sent to them directly and they have never recorded it so that XXXX can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.

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 2018-10-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2018 I was contacted via phone by a representative from Portfolio Recovery Associates. On XX/XX/XXXX and XX/XX/2018 they received letters, via certified mail. In these letters I formally requested that Portfolio Recovery Associates validate this debt. It is now XX/XX/2018 and I have not received any response. 

I noticed that XXXX is now reporting I owe XXXX  XXXX {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NH

Complaint narrative:
Notice of Error pursuant to 12 CFR 1024.35 ( a ). PennyMac Loan Services has failed to provide the following : 1. Short year statement under 12 CFR 1024.17 ( i ) ( 4 ) 2.  Disclosure Statements under 12 CFR 1024.32 ( a ) 3. Return of Credit under 12 CFR 1024.34 4. Failure to pay taxes by the due date, as required by 12 CFR 1024.34 ( a ),  which are now due 5. Notice of Sale of mortgage was not provided by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
This issue is regarding my car loan with Mid Atlantic Finance : XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX I'm attempting to pay off my loan balance in full, which is over {$3000.00}. 

I was instructed to either pay via debit on the loan company 's website or send them a XXXX payment. Neither one of these methods worked. 

Their website blocks payments over the minimum amount due. 
On XXXX, they don't accept payments over {$2500.00} and XXXX charges {$87.00} per transaction which would mean I'd have to pay double the fees. 

They seem to be intentionally making the payoff difficult in order to lock people into paying interest for the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
My loan charged off due to a job loss, I have started making payments to XXXX XXXX, however my monthly {$50.00} payments is going towards the interest and I will never be able to payoff the loan. 

I thought there was no more interest once the loan has been charge off, I have {$200.00} in payments and only {$60.00} has been placed against the principal and {$140.00} has been place towards the interests. 

I can't get a payoff, I would have to pay {$3000.00} to payoff a balance of {$1300.00}, for example I paid on XX/XX/18 {$50.00} towards a {$1300.00} balance and now the balance is {$1300.00}, this is a ripoff. 

Please help me settle this because I am unemployed, however I am still trying to pay my debt, but with this system, I will never be able to pay off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: NC

Complaint narrative:
After months and several attempts of trying to get the credit bureau to verify the information being reported on my credit profile, they have not cooperated. I've reached out to them several times to try and resolve this matter but they continue to blatantly break the laws set in place to protect the consumer. They refuse to supply me with a report detailing their methods and procedures used during their investigation. They have not produced any evidence that the information is accurate what so ever, yet they continue to violate my rights and report inaccurate information that negatively affects 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