vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I deposited a settlement check for {$1400.00} on XX/XX/2019 at approx XXXX XXXX. I deposited the funds at the PNC ATM in XXXX, Al. After I made the deposite I was told that my funds would be released on XX/XX/XXXX. Well XX/XX/XXXX is here and my funds weren't releases. After waiting until mid-noon, I was told that PNC couldn't tell if the check is legit. But here 's a big problem, when I made the check deposite the day before I had a negative balance of - {$1.00} well today ( XX/XX/XXXX ) it was - {$0.00}, and even though it was a few cents, its obvious that PNC was able to draw the change from my check to my account which mean they know the check ia valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I refinanced a VA mortgage. During that refinancing process apparently I was overcharged {$150.00}. Ditech Financial did not return that money to me as part of the closing process. Likely they discovered it on a later audit. Although knowing my contact information as it had not changed since the closing they chose not to mail me a check. In early XX/XX/XXXX they did mail me a letter to my proper address, not with a check, but with a claim form to get a check. On XX/XX/XXXX I sent that completed claim form back to them. They still did not send me a check. on XXXX XXXX I received a notice from the Ca State Controller that they owed me money and were asking for it to be forfeited. On XX/XX/XXXX, I sent Ditech an email which they responded to on XX/XX/XXXX wanting another claim form filed. Clearly they don't want to pay me the money. I will upload my XX/XX/XXXX submittal of the claim form as well as its receipt from the Ditech Fax, my notice from Ca California State Controller and my email from an accountant at Ditech again demanding I fill out the same form I have sent them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Date/Time of event : Tuesday, XX/XX/2019. Approx. XXXX XXXX Tried to access my credit card account with JPMorganChase online. Site responded that it did not recognize the computer I was using and needed to send a temporary code to validate the computer ( same computer I've been using to access site for almost 5 years ). 

Went though the notification routine multiple times first trying to initiate an email to my email address multiple times -- no email with temporary code ever received. Then went to telephone option to initiate call with temporary code. No callback with code ever received. 

Tried this numerous times with same result -- nothing. Clearly a problem with the system that generates and/or sends the codes to customers in this situation. 

Called customer service who indicated they could send me a text message with the temporary code. I told them I only have a landline and not a cellphone to receive a text message so they would have to send me the code someone other way -- like email -- or by sharing code with me on the phone ( the very landline and presumably they have caller ID to validate I was calling from the same number ). They said they could not do this, but that I could go to a JPMC branch ( many, many miles away and I only have an online credit card account with JPMC ). 

To all this I replied that they were making their system problems my problem and were preventing me from accessing my account. I indicated this would be against the terms of the account and that I wanted to speak with their General Counsel 's office, to which they replied they could not provide a bank attorney to speak to but I could always contact my own attorney. I reconfirmed that we were being recorded so the tape could be pulled if necessary, then told them I would report it to CFPB instead and that they had extremely poor customer service. I suggested that if their CEO XXXX XXXX knew the facts of the situation and how their customer service responded so illogically to a customer, he would not be happy and invited them to share the tape with him ( expletives and all ) As of XXXX XXXX ET, I still do not have online access to my credit card account at JPMC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
I applied for the XXXX with Navient and it was approved XX/XX/XXXX and then they made my payment due the very next day XX/XX/XXXX. They didn't even give a chance to check my email before they made me past due in the amount of XXXX. On top of that my previous XXXX plan was not due to be renewed till XX/XX/XXXX so I lost a month of paying XXXX dollars to being past due and late. The only option I was given when I called customer service was to put the XXXX bill in to forbarence. This seem wrong they should of given me time to prepare for this payment not just XXXX hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TX

Complaint narrative:
I Sent all the proper docs to XXXX and XXXX and they still have not remove the accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have call multiple times for the past two months to get this handle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
My complaint is with Santander Bank. I purchased my vehicle at the XXXX dealership in XX/XX/2016, new, at roughly {$20000.00}. I have never missed a payment, and have always paid more than the minimum amount required. I have paid over {$23000.00} but yet still owe {$15000.00} on the vehicle. My interest rate is 24 %!! I was told by the lender as long as my payments were met on time, the interest would drop. I have tried to refinance at other banks to get a lower interest rate but no one will touch the loan because the loan is considered " upside down ''. Basically the car is now worth about {$12000.00} and my loan is more than that. I checked my payments to find only about {$110.00} of my {$600.00} payments was being applied to my principal, even after requesting them to apply the extra payments directly to my principal balance. I contacted Santander to see if, due to my excellent payment history, would they refinance me and they told me no, they don't offer refinance. I discussed returning the vehicle and was told they would make sure it stayed on my credit for up to 7-10 years and it would prevent me from financing other vehicles, or even a house. I've been a perfect customer to this company, I've paid them well over what my car was worth and what my loan was for. They have been rude every time I have reached out to them and have offered no help nor logic reason as to why I still owe them {$15000.00}. They are predator lenders and take advantage of good people just trying to make a living and have a reliable vehicle. I wish to be refunded the extra money i paid over what my original loan was for and to be considered as PAID. I wish for someone to look into them and request them to lower their interest rates, and at least give good customers the option to refinance at a lower cost after establishing a good payment history. My credit is better now than it was when i purchased my vehicle, but due to the large balance with Santander it throws off my debt to income ratio so I don't qualify for buying a house or another vehicle. I just want to be done with them so I can move on and begin the home buying process for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-30 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: SECURITY FINANCE CORP
State: IN

Complaint narrative:
My identity was compromised between XX/XX/XXXXand XX/XX/XXXX. During this time several inquiries were made on my XXXX report. I demand that these items be removed immediately. 
XXXX XXXX XXXX XXXX. 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 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: RR Resource-Recovery
State: NY

Complaint narrative:
The first time that I tried to make a payment plan to address my medical debt I was told that I could only pay an agreed upon amount that was more than I could afford to pay and that legal action could still be taken against me even if I was making consistent payments if they were under the amount they wanted me to make. I called the legal department and they stated that this was not true and that I could make an affordable payment. I then made a payment plan with R and R Resource Recovery in which they were supposed to apply a specified amount to a judgement I had with them and then a specified amount to a " non-legal '' account. They were to deduct the payment automatically and apply it accordingly and mailed a written payment agreement. Despite this and making payment, I received correspondence from them stating that I was not paying the " nonlegal '' account and that further action could be taken against me. I contacted them and they stated that they had made an error and were applying the full amount of my payment to the judgement and failed to apply the rest to the " nonlegal '' account causing this. I was assured that this would be fixed. I then received a summons both in the mail and at my home ( which I'm sure I paid extra fees for ). I called R and R Resource Recovery who stated that they must have started this process before I initiated the payment agreement with them and that I didn't need to worry about attending court etc. that it would be taken care of. They then moved forward with getting a judgement for this nonlegal account despite telling me that I did not need to attend court or worry about this letter because of the agreed upon payment plan. I believe that they proceeded with this because the debt was about to be 7 years old and they wanted to be sure to secure the judgement regardless of the written payment agreement. I believe that they abuse their power and they want me to commit to an agreement although they do not and then continue to bully me. I also attempted to settle on this debt and they stated that I would have to settle on every debt I had in their office in order to do that even though they were all with separate entities, which I believe to be untrue since they have filed separate judgments against me. They also contacted my employer prior to even having a judgement in hand giving them the authority to do so. There is a apparent lack of communication within their office and with the attorneys they contract with. When I did try to communicate on these issues and advocate for myself I was told I was " volatile ''. They are also still reporting items on my credit report as an agency that they used to operate under that they state does not exist anymore " The XXXX XXXX XXXX   XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian website 'contact us ' page leads to a never ending circle of automated prompts that never lead to a real person to ask a question if you have problems with 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 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Debt Collection Agency Caine and weiner are collecting a Debt that I do not owe, states that they are collecting in behalf of XXXX XXXX XXXX. I have disputed this debt several times and sent letters requesting debt validation from the company two times on XX/XX/2019 and XX/XX/2019. That have yet to furnish a signed contract or proof. I have also contacted XXXX XXXX XXXX on XX/XX/2019 requesting information and they dont have in there system. I recently reached out to Caine and Weiner today and spoke with a representative who could not validate the debt either and I was transferred to her supervisor XXXX XXXX who was no help and said he could not do anything or remove this debt. I had to contact XXXX which I already have. Caine and and Weiner do not have a signed contract between myself and them obligating me to pay this and need to remove this from all of my credit reports immediately. Company falsely reported to credit reporting company that account was disputed. Never received communication from this company a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: ID

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX   XXXX  XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 and 11 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
The agency reported that check XXXX which I made payable to XXXX was not paid the date the agency answered original complaint however enclosed I have document that check pas paid XX/XX/24 the rate check was resubmitted to my bank requested Certegy correct there reporting immediately

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 2019-04-30 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: ID

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 and 11 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Made a purchase from Amazon XXXX XX/XX/18 for $ XXXX..Chase Bank..Fax # XXXX.Product arrived missing a part and tried to work with amazon just for the part ... after days of written correspondence with amazon staff that could hardly speak English.. ( I have Copys of Everything ) it was determined I Had to return the whole Product ... Which I did and Amazon confirmed..Amazon said it would have to conduct an investigation . after delay after delay, I called Chase and the Staff recommended I file a Dispute Immediately..Which I did. Soon after Amazon confirmed receipt of the return and issued a refund.My Chase account Balance returned to {$0.00}. Reflected in 2 statements.A month or 2 went buy and I got a Statement with A balance of {$160.00}. When I called Chase ... They said Amazon Had re posted the {$140.00} now {$160.00} charge noting they had not received the return ... This was Amazons ONLY argument.I let Chase Know I had my XXXX Tracking Data an Confirmation and receipt dated XX/XX/18 which I promptly faxed to Chase and they confirmed Receipt. After being passed around for Days by Chase..I get a letter saying they Had Sided with Amazon. After more wasted Phone calls to Chase..So after almost half a YEAR ... .Here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: CO

Complaint narrative:
BB & T is the loan servicer on my delinquent FHA mortgage loan. Although I engaged their loss mitigation department seeking assistance, I dont feel that they have a vested interest in ensuring that my loan is put through a review for retention options. Instead, they have scheduled a sale date on my property for XX/XX/2019. I believe that there are certain servicing guidelines that they must follow when servicing FHA loans. They have never offered me a forbearance, loan modification or other retention option to save my home. I went through some rough times financially, but am getting back on my feet. My ex-husband is not paying his child support payments nor alimony. I have XXXX kids, work full time as a XXXX and am doing the best I can. I need BB & T to work with me so that I can keep my home. With the responsibilities that I have, I can not find another place to live or be thrown out onto the streets. I am hoping that you could look into what they are doing with my loan and why they have failed to offer any sort of mortgage retention option that would allow me to save my home. I made a phone call to them late last year and they said that I can send them in an application, but the process was very daunting. I feel that they just slapped a sale date on my home without really trying to help me. I am sending then a full package for review for mortgage assistance and am hoping that you could contact them to ensure they follow proper protocol when it comes to requests for mortgage services.

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 2019-04-30 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: TX

Complaint narrative:
I Sent all the proper docs to XXXX and transurion and they still have not remove the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have call multiple times for the past two months to get this handle

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