vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/17 at XXXX I checked the balance on my checking account. It was about {$23.00}. The very next morning I checked the balance again at XXXX and it was - {$160.00}. I reviewed the information and found that several things had posted overnight which caused the overdraft. I knew a deposit needed to be made ; however, when I checked the balance I assumed I could make the deposit the very next morning. I contacted the bank about this matter and was informed that all of the posting actually took place after XXXX ; at which time it would not have been possible to rectify the problem before the overdrafts were charged to my account. This statement was confirmed by the bank employee. In my opinion this is fraudulent activity, equivalent to thievery and cheating customers out of their money. It should be a customer right to resolve any issues before fees are charged. This posting that were put through were also put through with the highest amount first which brought on the overdraft immediately and then proceeded to run the rest and accrue overdraft fees for all of them. I was told by the bank that because this was n't their mistake that they would not help me resolve this problem. This is a prime example of a big corporation taking advantage of the average consumer. Their should be laws in place that govern this type of bank activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was behind on my mortgage due to financial struggles in my small business.   in   XXXX   XXXX   started to try to work with bank of America to file for a hardship loan. the process was starting out ok but as the process continued time had pasted with no feedback.So I contacted them to find out they wanted more info from me. Which I provided. never contacted me by phone again finally get a letter stating if I do n't contact them soon the forecloser process will continue and I will loose my  home.Contacted t hem again gave them more info they needed still no call back.I called about  XX/XX/XXXX  they again want more info and had questions.   At this point I 'm very concerned I 'm going to loose my home. I run my own small business and do n't have time to keep following up on something they should be following up on.   Please help me stay in my home and get my mortgage back up to date.   At this time my loan has now gone in default 8 months because bank Of America told me " not to make payments they will not be applied to my loan '' This similar experience happened in  XXXX  when Bank Of America " without my consent '' payed  2  past years and escowed 1 year of taxes then wanted all the money back. So to resolve it I had to put my home into foreclosure and apply for a hardship loan.   I was forced into that situation before that I was never late on my loan.It also continued to cause trouble getting mone for my business because it made my  credit score  drop very bad. and now once again this situation is causing my score to drop.

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 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On  XXXX / XXXX /   2017  I disputed  XXXX  hard inquiries online through Equifax that was not authorized by me. Equifax told me that I had to contact the creditors directly and I did that as follows and none of the creditors was willing to remove them because they dont know how to remove them. I then called Equifax and told them the situation and they told me that they could n't remove them as well unless they had a notification. Somebody is not telling me something and I need those hard inquiries removed.  XXXX  of them are from  XXXX   XXXX   XXXX  and  XXXX  of them is from  XXXX   XXXX   XXXX  services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
this has been going on for abo ut 2 mths with captial one they dont  care are they treat you on my credit report ga power that dispute. there is no delq on my acct .it has been update

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Today  XXXX   XXXX ,2017, I attempted to call the customer service line listed on my bill in order to pay my mortgage over the phone. What I got instead was some sort of scam with regard to a free gift requesting credit card information. Repeatedly I asked to be put throug h to SPS S ervicing located in  XXXX   XXXX   XXXX , Utah. I was told this was a marketing tool used to advertise for the company, and despite my objection due to a waste of my time. The perso n (   XXXX   ) p robably not his real name, continued to ask questions. When he got to the portion about me submitting money for the free gift I was due and I said no repeatedly. He hung up and aft er 15 r eturn calls was not able to get Customer Service in order to pay my  XXXX  Mortgage. This is more than just shady dealings. This is mis-representation, false advertising, and poor customer service. While I do agree that business has a right to advertising, this is not the way to do it. I feel that I have no way to contact the company that has the most important purchase made by me.     Please Help  XXXX   XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed a dramatic lowering of  my credit score  by nearly  XXXX  points. When researching the cause of my problem, I noticed that an account that was discharged in my bankruptcy was showing past due with a balance. Also was reported was the utilization ratio and no notation regarding the discharging of my  Chapter   XXXX  bankruptcy. The creditor is  XXXX   XXXX   XXXX .  All of these factors caused my score to lower significantly. According to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), it is a violation of the CRA to report inaccurate and incorrect information on credit report. This error has   diminished any attempt to move forward to restore my creditworthiness.

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 2017-05-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have  XXXX  credit cards wit h Chase and when I used them they closed them for no reason other than the fact I used them. I am paying these cards per the terms and pay them 100 % on time. Chase is not reporting these accounts with the initial credit limits which totaled approximately {$18000.00} - rather as maxed out limits of approximately {$8000.00}. This is lowering my credit score b ecause it does not accurately report my credit ratio as less than half used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
On  XXXX , I made an express bill payment at  XXXX  through  MoneyGram. The   payment amount is {$2400.00}, fee is {$8.00} and total is {$2500.00}, Biller Name is '  XXXX   XXXX   XXXX   XXXX   '. The payment is never posted. On  XXXX , I called  MoneyGram and   was told by customer service that no transaction was found. On  XXXX , I went to the   XXXX    store and was asked to call  MoneyGram about this transaction ; I called and this time I was told that MoneyGram is holding the money due to lack of payment information. I confirmed with them the payment account number and was told by the customer service representative that the payment was sent and would talk up to 3 business days. But to date ( after 6 days ), I s till have not seen the payment posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
Nationwide Debt Management Solutions , LLC  (   XXXX   ) Ke eps calling over and over harassing myself, family members, friends and my fianc family.     They call over and over, one call seconds apart. I have asked them to stop they keep calling and are now on to calling these other people.     They are not just asking for me, they are asking for my fianc as well, she has nothing to do with this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Jim Bottin Enterprises, Inc
State: MD

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX   Agreement number:  XXXX  To whom i t may c oncern : I signed up  for 1  membership. For the last year I have been charged for  XXXX  memberships. When I contacted the gym they acknowledge the error. They said they had been charging my credit card with my son 's membership bill because we have the same na me ( he  is a  XXXX   ). Th ey said if they are successfully able to charge the correct account they will remove the additional charges from my account, but if they are not able to charge the correct account they could n't remove the  XXXX  membership charges from my account. I have been unable to get any further information on the status of correcting the account other than " they are working on it ''. My son has his own credit card and is an adult,  XXXX   XXXX   XXXX . I do not pay his bills.   This is an account error within the company 's billing system. Customers should n't be charged or penalized for the company 's financial mismanagement of customer account.   I am requesting a refund in the amount of {$210.00} and for  XXXX   XXXX   XXXX   XXXX  to  be notified of ABC Financials billing error and stop collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
" Earn  XXXX  points '' after you spend {$2000.00} in purchases with the card in the first 3 month from account opening ''.   I opened my  XXXX  Credit Card with Chase bank in  XXXX     2016  and spent well over {$2000.00} in the first 3 months, however was not credited with the promised  XXXX   XXXX  points! I applied via a email link with invitation code for that offer.  Chase instead just gave me  XXXX  free nights which is only 40 % of the value of  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: Financial Solution Providers LLC
State: DC

Complaint narrative:
On  XX/XX/XXXX , I received mail from Financial Solution Providers LLC, stating that I owed a current balance of  XXXX  from  XXXX . I immideately called and spoke with  XXXX   XXXX  at  XXXX  EST, i advised her that this debt was settled in  XX/XX/XXXX    with  XXXX  and  XXXX   ,  I offered to give her their number so that they could work it out. She advised me that I would need to mail in documentation stating that it was settled. I have no problem doing such thing, but I want to make sure this does n't happen again. So I requested the contact information for original creditor so that I could settle this once and for all. She advised me that I would need to speak with one of her supervisors,  XXXX   XXXX  or  XXXX   XXXX , in order to obtain verification of debt. Well today on  XX/XX/XXXX , I received a phone call from both   XXXX   and  XXXX .  XXXX   XXXX  called and ultimately threatened to seize my tax refunds and to damage my credit, he also advised me that he would be emailing me the verification that I requested. Instead I receive a phone call from  XXXX   XXXX , as i was telling my young daughter  XXXX  to exit the room while I was on the phone,  XXXX   XXXX  screams at me and says my name is not  XXXX  and as I try and tell him who  XXXX  was, he threatens me with legal action, further suggesting that I obtain a good lawyer. I am being   XXXX   XXXX   with a debt that was closed 4 years ago, all i asked of them was to provide me with verification of debt and contact information of the original debt collector so that I would n't have to keep going through the same thing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: VA

Complaint narrative:
There is a collection on my account for  XXXX  that was opened  XXXX     2016 and  closed  XXXX     2016  in my name. I called  XXXX  directly because I have never been a customer or client of  XXXX  my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me!     Where I live currently is where I have lives since  XXXX     2016!   XXXX  cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report!     There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do!     I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am  XXXX   XXXX   XXXX  and these kinds of things can hurt my clearance and currently hindering my credit from home buying.  XXXX  nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of  XXXX ! It is reporting as a collection! I have never received a call or anything in the mail about the account!     I have attached my  apt lease that shows th e date I moved in!   I provided my light bill with my current address for the dates that cover the time  XXXX  is saying I occupied another property.   I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed.      XXXX  cable/wifi/internet service is not even available in my area. I use a company called   XXXX   XXXX  . They own right to this location Please help me understand exactly how can they not properly investigate and get the  CORRECT informatio n from this company and allow the reporting of it falsely on my account.     Thank you so much!!

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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
On numerous dates, I 've sent Letters of Dispute ; most recently on  XXXX / XXXX / 2017  &  XXXX / XXXX / 2017 .     The amount disputed is {$10000.00}, which was included on  Ditech  's " Payoff Quote '' to  XXXX   XXXX  and which I had to pay in order to close escrow per contract with Buyer or face Breach of Contract. I paid the above amount, but have had no luck in recovering.     The actions taken by me, were to continuously write them letters requesting they provide us with a REFUND of {$10000.00} or provide a Payment History proving  DiTech Financial were corr ect in charging said amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I was involved in an accident at the XXXX XXXX XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX  and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in  particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. XXXX XXXX XXXX and Gulf Coast collection bureau. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In  XXXX   2017 , I settled credit card debts with  XXXX  on behalf of chase bank eliminating my liability on  XXXX  credit cards I had with them. After more than 3 months, chase has failed to accurately update my credit report. They updated the report showing the  Settlement  payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with chase and the credit bureaus multiple times without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  gave me  XXXX , and then failed to give me  XXXX  or equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
Received notification from Transworld Systems Inc, Debt Collector on   XXXX   XXXX  , 2017. Called Debt collector on   XXXX   XXXX  , 2017 to find out more information regarding debt owed. I told them I would need to contact the insurance company regarding payment. Received insurance information on   XXXX   XXXX  , 2017 showing debt paid to creditor. Called debt collector on   XXXX   XXXX  , 2017 and gave them the information. Debt collect will not allow scanned email of insurance information but will allow fax or mail. Both can be unreliably when trying to prove they received the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Cascade Capital, LLC
State: AR

Complaint narrative:
XXXX   XXXX   XXXX  charged off a voluntary repossession on  XXXX , closed the account on  XXXX . They sold the note  to Cascade Capitol, LLC  in  XXXX , FRAUDULENTLY showing a payment as having been made in  XXXX  in order to re-open the account. There was NO payment made. The y ( Cascade ) began  reporting late on our credit starting  XXXX , continuing to present date.

Company response to consumer: Closed with explanation