vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
i took out a small loan with XXXX and couldn't pay it on the payment date so now it has increase and has been sold to an collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I already had a {$47.00} overdraft fee in one of my Wells Fargo checking accounts on XXXX XXXX. I deposited my small paycheck, {$140.00}, that day to cover the costs of the overdraft fee so I wont get hit with more overdraft fees. The transaction didnt go through until the next business day and now its XX/XX/XXXX and I owe Wells Fargo {$130.00} in overdraft fees. Thats my whole paycheck gone to Wells Fargo because of their shady practices. This was completely out of my control. I gave them {$140.00} of my money to pay for an overdraft fee that cost XXXX $ the day before and now one day later, XX/XX/XXXX, I am hit with an extra XXXX $ overdraft fee that I HAD THE MONEY FOR but it didnt process the check in time. This is the third or fourth time something like this has happened to me and I wanted to report it. Wells Fargo preys on people that dont know any better. People that arent financially intelligent. After this complaint I am shutting all my Wells Fargo accounts down and moving my money. This is theft. Plain and simple.

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 2019-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
this bank is a rip off they cheat people and get away with it they claimed i inverted numbers but refused to let me hear the call they also claim to mail stuff out on a specific date but yet takes over 2 weeks to receive it they also say they responded to my compliant but i never seen it or got it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I brought items through XXXX from under my SunTrust account and never received it. Come to find out the person who was selling me the items was fraud. He deleted his site and now the phone number I have is cut off. I called my bank because I used XXXX through them once so I felt as if it was safe and I was protected especially since I used it through my bank app. My transaction has the person name and all that I sent it to so im not understanding why they cant dispute it. It was a transaction for XXXX dollars and another for XXXX dollars that's too much money for me to just throw away like that. This transaction was made on XX/XX/19

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mailed 3 rounds of dispute letters last one dated XX/XX/XXXX to both Experian and XXXX   credit bureaus via certified mail to verify ( 2 ) accounts XXXX XXXX and XXXX XXXX from Experian and ( 1 ) XXXX XXXX from XXXX. Because this was not accurate information I asked for them to please send me a copy of the original creditors documentation on file to verify that this information is mine and is correct. Each time they failed to do so under the FCRA and sent me my dispute results as being verified. My question to them was how did you verify that this is accurate when you didn't send me proof. 

Experian also sent me my results dated XX/XX/19 that they have deleted XXXX XXXX but as of XX/XX/XXXX it was reinserted back on my credit report. This is a violation because I did not receive from Experian an reinsertion letter within 5 days after it was put back on my credit report informing me of this. I sent a letter dated XX/XX/XXXX demanding to delete this because of their violation and yet again they came back with this item has been verified. 

Because of there failure to do so, I would like to file a complaint with you for both Experian and 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 non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
A company named Diversified Adjustment Service ( https : //diversifiedadjustment.com/ ) is calling repeatedly even after being told to never call my mobile # again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was using my chase credit card like a regular credit card one day it just got declined so when i called chase they just told me that they decided to close my accounts and end our relationship with no reason for why it was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I dont remember exact dates they have all the dates as they keep calling with dates. My car was totaled in an accident I had gap insurance. The insurance company contacted the leasing company they told them the amount due. They sent them a check for more than the amount owed. The finance company in turn sent me a check for the over payment. The finance company now continued to call and harass me that I owe them {$140.00} when they paid me out. Ive called them numerous times to stop harassing me and to close the account since the insurance company paid them what they said was due and they even sent me a check for the over payment. The finance company needs to be held accountable for harassing me when they were paid in full. They not only HarrAss me they harass my son who is currently serving in the XXXX with these non stop phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
XXXX I disputed it it was taken out of my credit amount of {$620.00} I do not know where this collection amount came from never been to the office or nor do I know where it is located at my documents where missing XXXX my ID card and bank card at that time. Now they report it again on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have excellent credit in the 789-810 range My Huntington bank credit limit was recently decreased from XXXX line of credit to XXXX I paid off any balance I ever incurred on this card If anything my credit should increase I feel I was treated unfairly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On, or about, XX/XX/2019, I took a taxi from XXXX to XXXX PA. Because I didn't have the funds in cash on me and the driver wanted cash, he held my card till we got to a rest stop on the NJTPK. Once there, the driver accompanied me to the ATM, where I withdrew XXXX $ for his services. He had apparently skimmed the card and afterwards charged me {$540.00}. I filed a complaint with Citizens Bank and they asked for more information to support my claim. The information would be the video from the ATM withdrawal, where the driver is seen accepting the cash. I can't get that video. The bank, without notice deducted the funds it had already re credited to my account. If the funds are refunded I will close the account and pursue other legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: NC

Complaint narrative:
On XX/XX/2019 a Check No XXXX was stolen from my checkbook. On XX/XX/2019 the check was forged and processed through my bank account for {$400.00} I notified the bank Friday the XXXX of XX/XX/2019 when I noticed the funds were missing and filed a police report and filled out an Affidavit for Forged Check. I knew the date that the check was stolen because that was the only date anyone had been around me and my checkbook. 
The bank said that I did not keep the checkbook secure and would not give my my funds back. I had that account number for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Storm damage to my home. Insurance company ( XXXX ) inspected and estimate for repairs approved. Every call to PennyMac there was another reason that a document wasnt correct. After getting what I thought was approval for documents, they then said they wanted contractors license ( does not exist in Texas ) and then a surety bond which is not available for residential repairs. Next they said W-9 had to be approved by IRS. After finally getting all those issues resolved and check deposited into escrow, was given a different reason every day for 4 days why check had not been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & Pressler Law Office of XXXX, NJ has been hounding me for a few for years about a debt they did not specify the amount of & more importantly that did not belong to me. I have never personally had an account with the XXXX. I recently received a summons to appear in court as they have filed a suit to garnish my wages. They are referring to a XXXX credit card account I co-signed for my mom 15 years ago. In XXXX, this XXXX account was charged off in a Chapter XXXX  Bankruptcy filed by my mom. I explained this to them in writing providing them with all the applicable information ( filing/docket #, court address, etc. ) regarding the bankruptcy & submitted a copy to XXXX County Court 's Special Civil Part Dept. as well. 
In the letter, I also requested a mailed copy of the original signed agreement for this debt. & to cease contacting me until they provided it. Pressler & Pressler never acknowledged nor sent the requested info. However, a paralegal from the firm who recently contacted me via phone asking to make a payment, did confirm they had received the letter. Instead, they ignored it & insisted on demanding me to pay by any means, if that means garnishing my wages. 
In XXXX, they unknowingly garnished money from a XXXX  XXXX XXXX account that I was not an owner of but put on as a secondary cardholder. I addressed this to them and asked why I did not receive any notification that this was going to happen & more importantly they are wrong because I do not owe anything. I am sure that is illegal, isn't it? They blatantly ignored it & continued with the harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: SC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INS on XXXX INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE I UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.OR CERTIFIED ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, METRO2, & ACCOUNTING RECORD,426-CHARACTER P6 STATEMENT,5 PART PERSONAL.DELETE/ BLOCK PERMANENTLY

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 2019-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
My four loans ( 1 per year ) ranged in interest from 3 % to 4.25 %. Rate did not change from XXXX when I first got the loan, until XXXX when Sallie Mae changed to Navient. In XXXX is when I noticed my rates beginning to rise. Currently my rates are 5.5 % -6.5 %  and only raise. They are variable rate, however only go up. When the prime or libor rate drop, my loans don't. However, my rates go up when prime and libor go up even when they have not exceeded their previous mark. for example in XXXX the rates were at all time highs. Now they are half of what they were 10 years ago, but my interest rate has doubled. 

Additionally, one of my places of employment closed for 6 months last year. The only option I was offered was forbearance. Now customer Service tells me I would have had other options, but did not disclose what they would be. 

Each rep I speak to simply states a blanket statement, I assume from their prompt screens, that state when rates go up, so does my interest. Nobody including customer service reps, supervisors, managers, or the current advocate assigned, has been able to explain why I don't benefit when rates go down. Also, depending on whom you speak to, they can't tell me if my rates are based on prime or Libor, they are unable to explain what my base rate is, they just say base plus prime or libor. As a matter of fact, the last person I spoke to said prime is currently 5 %. At that time, my loan rate was 5 %, and they did not know what my base rate is. 

I asked for my original loan amortization schedules. I'm told they are not available because they are 'too old ' and with a variable rate it can extend the life of the loan. I believe my first payment was XXXX of XXXX. I should be done with repayment in XXXX of XXXX. Currently, they show XXXX of XXXX. 

With incorrect and unjust interest changes, there is a significant financial remediation called for based on improper allocation of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: WV

Complaint narrative:
XXXX approved a loan modification and forgave {$140000.00}. 
on a note and issue a XXXX on which I paid taxes on the forgiven debt. Then the loan was sold to XXXX XXXX who subsequently denied that the forgiven portion of the debt existed even though I presented the documents proving the facts. they then altered the recorded documents and proceeded with foreclosure and the property record now say it was sold to a trust for {$220000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: GA

Complaint narrative:
This account does not belong to me, Equifax verified that this account doesnt belong to me as stated below, however the account is reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I XXXX XXXX ; XXXX am writing you today as an aggrieved man. I notified PNC Bank of unauthorized transactions on my account a week ago. I have yet to receive my stolen funds back into my account! The claim number is as follows, XXXX. I have also attached a letter from XXXX XXXX, one of the accounts that fraudulently stole funds from my account stating this account is fraudulent. They have closed the account and removed it from my credit reports. So why did PNC Bank deny my claim? Why are they not returning my stolen funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX my husband and I financed a boat, motor and trailer with XXXX XXXX. XXXX was then taken over by Capital One and our payments were then made to them. The loan was paid off in approx XXXX and since my husband died I went to sell the boat, motor and trailer and was told by Texas Parks and Wildlife that Capital One still had a lien on it. I have gone to the local branch in XXXX, Texas in person, faxed the information to the lien department at XXXX and then has spoken to 7 different people at Capital One and still can not get the lien released. I am being told that they no longer have any record of the loan and therefore can not release the lien. I sent them the registration from Texas Parks and Wildlife showing the liens and they tell me that they have to go by their records. I am unable to sell the boat, motor and trailer without the lien release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
The 1st mortgage company ( Shell point Mortgage ) denied 2 contracts placed on the property requesting more money. When the last bid was sent in on property the 2nd mortgage ( XXXX XXXX ) refused and is now requesting more money, this process has been ongoing for 7 months now. I don't want to go into foreclosure but at this point I am getting so stressed out that I just want the process over and done. 
If you turn down 2 offers, second investor know the property is on the market for twice its value, knowing that it needs a outrageous amount of work done on structurally on fountain. 
Not only did XXXX refuse to grant the original offer But they decided to increase the asking amount at the table to {$34000.00}. To be paid by me at the day of closing which is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I noticed 4 transaction on line that did not belong to me. I called Chase and spoke to the fraud dept. but because they where in a pending status which meant they had just happened they couldn't help me so I then went to the bank in XXXX CA spoke to Mr XXXX the Branch Manger and he called and reviewed the file all they could tell me is that I was in Wisconsin at the teller doing the fraud. Which there is no way because I was standing in front of the branch manager in XXXX CA after I saw the fraud online and I reported it to the 800 # and then drove to the bank. So after the transaction went through on Friday at XXXX I recalled the claims dept explained the whole story started the claim for all the fraud. Took about 45minutes on the phone they did not give claim # and they were rude. So to protect myself and get the claim rolling I drove back to the XXXX Chase branch Friday the XXXX to take care of everything in person. Someone wrote a check to me for {$3900.00} they tried to do a withdrawl slip and have the teller only deposit the {$950.00} Check wasnt even signed on the front from the person who wrote it they had no proper ID and check was clearly fraudlent they forged my signature and then the teller let them do 3 separte withdrawals for {$4100.00}. they said account would be frozen but they keep taking money out and on the new account Chase keeps taking the orig fraudlent tranactions out of the new Account so as of today my business is down over {$10000.00}. I have spoken to claims and Fraud and XXXX Branch since XX/XX/2019. No one can answer any of these questions. they are taking deposits and doing them as withdarwals and then just taking withdrawals out that make rhyme or reasons to them and not one person can help. I've tried to escalte call and at the branch to speak to like a district manager but nothing. 
Chase is too big of a bank to be allowed to behavior in unethical manner.

Company response to consumer: Closed with explanation