vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GFS II, LLC
State: OH

Complaint narrative:
I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and Gateway Financial trick customers into loans they can not afford and then repossess and that is how they make their money. XXXX and XXXX is who garnished my wages for Gateway. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank Of America has placed my account into a risk closure status and is illegally withholding deposited funds and continues to accept deposits to my account while withholding all funds that are owed to me. They claim they don't have a date when they will be done with their review but after the review is done it would take 7-10 business days. I call and the risk closure team says I can go to the bank to withdraw the funds. The branch is saying they have to call risk closure. They have me go all the way to the bank which is far from my house. I was told again this morning to go to the branch and withdraw but I feel this is a waste of time. I will update everyone after this attempt.

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 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My credit card bill has been paid automatically via debit from my checking account using Bank of America bill pay system. That has worked like a clockwork for as long as I have had this particular account open. 
Suddenly on XX/XX/2019 it did not work even though my bank account had sufficient reserves. 

Bank of America is the credit card issuer and they claim that debit did not happen this time because of the user error and refuse to acknowledge their part in this and refuse to refund or at least partially refund the late fee and interest charged. I paid the bill in full including {$70.00} in interest and late fee as soon as I discovered this error and was late only 4-5 business days. I never received a notice that bill pay system had not worked! What is the purpose of automated bill pay if it fails without notice! 

I contacted their customer service twice. They claimed that it was a user error even though they had no idea why bill pay failed. I was told that their manager will contact me within three business days from XX/XX/XXXX. That never happened. 

Please advise. Thank You!

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 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
At least once a year for the last 5 or 6 years this collection shows up with a different collection agency and I tell them the XXXX XXXX debt is not mine as I have never lived in South Caroline and I have never given anyone permission to open a XXXX XXXX account in my name. The debt goes away until the next year and a different collection agency suddenly shows up saying I owed XXXX XXXX. Please ask the collection agency and XXXX XXXX to stop as the debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On the XX/XX/XXXX and XX/XX/XXXX, i had XXXX $ withdrawn from my account by atm card with chip and pin was used. I called USAA to report the transactions on the XX/XX/XXXX around XXXXt when i saw the withdrawals. Then when i activated my new card issued to me on the XX/XX/XXXX, the very next day on the XX/XX/XXXX, another XXXX $ was taken from my checking account. Now i dont know if it was the old atm card info that was used or if it was from the new atm card. Only I and the representative from USAA knew the pin number for that new atm card. So I reported that withdrawal that same evening when i noticed it. Well USAA has investigated and told me today that the fraud claim is denied and I am not getting reimbursed the XXXX , which includes atm fees, do there being activity before and after the fraud accurred. I Explained to them that of course theirs going to be activity before and after because I didnt notice the fraudulent activity until the evening of the XX/XX/XXXX and the XX/XX/XXXX.  They say that the chip on the card and pin was used so they are saying that i committed the fraud. I have filled out an affidavit that they sent me and also made a police report. Also all the withdrawals were done at the same atm machine near my home. I told USAA that it was absurd that I did the withdrawals and then go and file fraud putting my Social Security payments and my Veteran Affairs payments ( due to me being XXXX XXXX XXXX XXXX XXXX ) in jeopardy if i was making false claims to scam the bank out of XXXX $ when I receive over XXXX $ a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
To Whom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file.

I am sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623.

On separate occasions, I have disputed with all credit bureaus ( XXXX, XXXX, and XXXX  included ) pertaining student loans for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account is reporting to XXXX, XXXX, and XXXX is inaccurate and incomplete.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), 16 CFR 660.4, this Notice of Direct dispute includes the following : -Payments history is inaccurate and incomplete Please not documents 1 and 2 as well as the loan numbers correlating to the accounts below

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Due to 2 unhonred check payments, Capital One closed my credit card account. Prior to this honest mistake, all my payments were in full and on time in cash at the branch. I reached out to Capital One Bank to dispute this and was refused to have the account re-oppened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 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: WI

Complaint narrative:
I previously had an account with XXXX XXXX XXXX for XXXX College that was a derogatory account on all three credit bureaus. I paid that account off and it was removed from the derogatory account listing on all three credit bureaus. After checking my XXXX XXXX score, however, Transunion had docked my score 48 points when all others raised my score 50 points. I called Transunion after a dispute  was filed and settled and they asked me to contact XXXX XXXX XXXX   and have them file the account as removed. XXXX XXXX XXXX told me it was filed as removed the first time and they no longer have access to the closed account. They stated that I should contact CFPB here to file a complaint on Transunion as the other reporting bureaus issued a credit for 50 points when Transunion docked me 48 points for removal of a derogatory account that affects my credit score dramatically.

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 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: KS

Complaint narrative:
I use XXXX XXXX XXXX in 2005. I just had my XXXX  child and I accidentally overdrafted my US Bank account by {$0.00} on a purchase on a Friday. I didn't work the following weekend and was completely unaware of the fees being {$35.00} a day on weekends. By the following Friday when I went to the bank to deposit my weekly earnings, they told me I was {$120.00} negative. I simply couldn't afford that because of the baby. I told them I wanted to close my account so I didn't get more charges and they refused saying it couldn't be closed until the amount was paid, so I left. 13 years later I'm woken by a phone call saying they are trying to serve me legal papers with intent to sue for over {$3000.00}. Clearly this should never happen and I don't think being forced into bankruptcy should be legal.

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 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have been receiving numerous spoofed callerID / robocalls from Trans World Systems. They claim I owe a debt but refuse to even verify my name ( which I will not give them ). They say I have to give my personal information, which I will not do over the phone. Without telling me a name or any information on the " debt '', how can I even verify they are calling the right person 's phone? They also refuse to send anything in writing. All they do is call 2 or 3 times every day and when I block one number, they just switch to another spoofed number.

This is harassment, and robocalls and spoofed callerID are illegal. I highly doubt I owe any debt at all ( credit score over 800, always pay my bills ). But if I do, then simply send me  proof in writing! Calling and harassing me with a fake phone number and then asking me to give personal information over the phone, info which they should have if I owe a debt, doesn't make me feel like this is legit. 

I'd like these fake, spoofed phone calls to stop immediately. If they feel I do actually owe a debt, send me a bill with specific information such as the source and an account number. Here is just a portion of the calls I've received over the last few months : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Restricted # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( These same numbers continue all the way back to before XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I originally submitted a complaint on XX/XX/19 regarding the mishandling of a refinance through Select Portfolio Servicing ( SPS ). I received a response on XX/XX/19 that doesn't even address all of the concerns I listed. They indicated that I was requesting more information about the CEMA. That is not what I was doing. I provided a detail account of the multiple missteps SPS took in handling the refinance that resulted in significant, additional fees I incurred. SPS was completely non-responsive, untimely and irresponsible with the handling of my refinance. If you reference my original complaint, you can see that I am requesting a reimbursement of fees I incurred. I expect a more thorough review of my complaint. The response I received from SPS is unacceptable is a further testament to why this firm should not be in business. I will continue to take action until a satisfactory resolution is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have not been contacted by my servicer since I submitted my short sale package 1024.41 Loss mitigation procedures. 

We are filing a complaint because the servicer received a loss mitigation application request on XX/XX/2019. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer  acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application. 

I spoke to XXXX, they received the package last XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
My mortgage was bought out by Mr Cooper several months ago. They knew that my property tax payment was due on XX/XX/XXXX but did not pay even though there was nearly double the amount of tax due in escrow account. When I got late notice from town office, I contacted Mr Cooper through online messages and phone calls and finally 2 weeks later, they finally made the payment. They list my next tax payment due on XX/XX/XXXX even though it is actually due on XX/XX/XXXX. They also did escrow analysis and created an overage because they don't have the next payment date correct. This will lead to a shortage later. I do not trust this company to handle my loan and I never chose this company to handle/service my mortgage. 

What is my recourse? I will continue to pursue every possible avenue including a class action suit with other people experiencing the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a Checking and Savings account with Fifth Third Bank. On XX/XX/16 I had a balance of {$3900.00} in my checking and {$500.00} in my savings. On XX/XX/16 someone somehow had gotten control over my account they deposited fraudulent checks for {$1900.00} then withdrew everything out of the account my {$3900.00} included. This bank now tells me that I owe {$5700.00} from my checking and {$1400.00} from my savings. There was never any credit given to me for the money that was stolen. I've asked the bank several times in writing to show me proof!!. What hurts the most is that they are saying I owe what was taken from me. The told me oh the account is closed its charged off so we really don't care about it anymore we sold that account. {$4500.00} may not seem like a lot to this big bank but that was my kids trip to XXXX that summer!! Do not bank with Fifth Third they have absolutely NO Fraud or Identity Theft Protection!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 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: ME

Complaint narrative:
I disputed an account on my Equifax report from XXXX that was reported as opened as of 2016 as incorrect/not mine. The investigation came back as belonging to me from XXXX but the dates are all wrong. This should be off as it is very old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KS

Complaint narrative:
XXXX XXXX. On XX/XX/XXXX, I received a hardship forbearance with XXXX XXXX, good until XX/XX/XXXX. Last fall the company began sending me statements requiring payments. I emailed repeatedly - which they NEVER answer, wrote them many letters - which they NEVER acknowledge, and finally called them XX/XX/XXXX. The representative merely read off a pre-scripted page and refused to address my problem. XX/XX/XXXX I received a statement, showing XXXX balance due. Then I began receiving statements about every 4 days with different amounts owed, one of them over {$2000.00}. I just received another statement yesterday. 
I have no payments due - either principal or interest - until XX/XX/XXXX. 
XXXX refuses to address the issue, nor do they respond to any of my correspondence. I do not want XXXX to seize my XXXX tax return, which my family of XXXX depends upon. 
Can you help me? 
The mistake has been made by XXXX XXXX, and they refuse to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL

Complaint narrative:
In XX/XX/2018 this company Professional Bureau of credit of collections of Maryland applied collections to the credit bureau for an auto loan from several years ago. I called them to notify them that the original vendor XXXX is currently reporting on my credit for this and their placing me in double jeopardy and its resulting in monetary loss. I understand my past and I am paying for it with rebuilding my credit and not taking the easy way out with a bankruptcy. But I also believe I should be treated fairly and these companies should follow the rules. When I contacted them on XX/XX/2018 at roughly XXXX they hung up on me rudely while I politely let them know of their error. All on a recorded line. I would like to have this illegal parking of this debt with no notification or anything removed from my credit report immediately. I made a mistake in the past, had a XXXX and lost everything, doesn't mean I shouldn't be treated fairly, legally and equally. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I CAN NOT believe that Equifax is STILL reporting the account XXXX XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Equifax verify inaccurate information as accurate? By law it is Equifaxs job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XX/XX/XXXX and XX/XX/XXXX. I am challenging this account for the third time. 
I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Equifax lists a past due amount of {$1900.00}. How is this accurate? 

There should be no monthly payment on a charged off/closed account yet Equifax lists a monthly payment of {$1900.00}. How is this accurate? 

Each bureau lists a different monthly payment. XXXX  $ XXXX/Equifax $ XXXX/XXXX  {$1900.00} How is this accurate? 

Each bureau lists a different open date. XXXX  XX/XX/XXXXXXXX Equifax XX/XX/XXXX/XXXX XX/XX/XXXX How is this accurate? 

Equifax does not list a date of last activity on this credit report. That is a violation.

Company response to consumer: Closed with explanation