vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC
State: MA

Complaint narrative:
On XX/XX/2017 at XXXX a " XXXX '' left a voicemail on my phone stating that they had " received legal documents to be processed against my social security number immediately through the XXXX County Courts , case # XXXX, '' she left a " direct '' phone line of XXXX. 
I returned the call, was verbally harrassed, intimidated, threatened, and lied to. A Senior Manager " XXXX '' actually yelled and raised his voice at me, claimed he had an " attorney '' on the line monitoring the call, and wanted to ask me a " question straight out '' ... XXXX hung up on me. Repeated attempts to call back were received with tremendous threats of legal action yelling, and accusations of harassment. The three or four people operating this business, are attempting to collect a debt they do not own, are lying about legal action, are using my information illegally, and are not following proper standards for FTC and CFPB standards. These individuals are misrepresenting themselves, lying, threatening, and attempting to receive money they have no right to collect. 

Law Enforcement should be involved as these individuals are verbally abusive and are violating nearly every FDCPA law. 

XXXX Fair Debt Collection Practices Act - As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act - 1692-1692p I will be pursuing Zenco for damages in full through the legal process and remedies afforded to me. 

http : //www.zencocollects.com/contact-us/ Zenco Collects XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I completed a loan modification through the Hardest Hit Fund in the state of Arizona. While making payments Bank of America has reported missed payments on my credit report. I have tried seven times by certified mail and credit disputing to make corrections. The last letter sent out I have not received a response. XXXX and XXXX reflect over a year of missed payments, while XXXX reflects six months of missed payments. The agreement was made between XXXX and Bank of America with no details on how credit reporting would be handed while making payments.

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 2017-03-24 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I purchased a flight with XXXX and was offered a {$100.00} statement credit for signing up for a Bank of America credit card after making more than {$160.00} in purchases within 90 days. However, after applying for the credit card, the terms changed and Bank of America requests {$500.00} in purchases. The advertisement is false for Bank of America on XXXX website and seems to be changed by an amateur. Anyone can view this ad by reaching the checkout page on XXXX ' site. I have included a screenshot for review. When the customer clicks on the ad, it goes to Bank of America 's application process.

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 2017-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I feel that I have been denied a loan modification because my husband, that has passed got behind. but for more than a year I have kept the mortgage up. They keep selling our loan. With this always a higher interest. I pay 8 to 10 thousand a year on interest alone. with only XXXX coming off each year. this will never get payed off. This is so unfair. I have tried to refi. but I have a chapter XXXX to pay up my bills from my husband. I just want a better rate to pay it up faster. the mortgage company says the don ' t do any in NY. but take my money. Help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays Bank continues to report bad information on a Credit Card that I was merely an authorized user on when my XXXX, who the card belonged to, had the debt discharged in bancruptcy.

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 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One bank says that I owe XXXX dollars on a credit card that is not mine. It is being reported on my credit as a XXXX dollar balance that I have never incurred. I believe that I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Lending Services LLC
State: AL

Complaint narrative:
I have talked to global lending services, many times, I have a loan through, them for XXXX, I paid them 500 last month, and told them I will make another payment XX/XX/XXXX then finish the balance XX/XX/XXXX. 

Since then they have called friends and family members that I have told them not to, I have NEVER given them any family info. And today they created a Facebook account and send my mother information. This must stop! My number not address has changed since the loan. 

And I want representation something must be done. 

XXXX please tell me what I can do and what are my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
In association with complaint number XXXX the following court documents are submitted to update the record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I was a very happy member of Navy Federal Credit Union with 3 open accounts ; an " EveryDay '' Checking account, a " Share '' Savings account, and a vehicle loan account. I was laid off from my job, moved and attempted to contact NFCU to apply for a hardship for my account in order to not loss my truck and/or my accounts with NFCU. I made payments on my vehicle loan as often as I was able, if I had an extra {$100.00} then I would immediately transfer {$100.00} to the loan account. Suddenly, and without any notice from NFCU my account was suddenly locked and I was unable to make any payments to my loan account or attempt to add funds to my checking account. After attempting to contact NFCU, without success, my account turned over to a collection agency that harassed me with threating phone calls. Each time I was yelled at by the Collection Agency I attempted to ask for a contact person representing NFCU in order to settle the matter with NFCU directly. My vehicle loan account was still open, and I was still making payments to that account the entire time I was dealing with the collection agency. I am now trying to get my checking account back in good standing and they continue to dodge every call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I have tried to work with the lender directly in terms of paying off my loan at the correct remaining balance for a few months. 

Since then, my lender is attempting to delay communication in order to continue charging an outrageous amount of interest at the rate - 33.498 %, and recently put me on an interest-only bearing term which I was unaware of. The lender has charged me unreasonably high penalties for failure to keep up with repayments and took advantage of the fact I was unemployed for a year. 

The lender has told me they will not be able to work with me until my account goes to collection because I do n't have an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
State of Arizona sold a house through Navy Federal Credit Union and Veterans Administration ( NFCU/VA ) in XX/XX/XXXX. State of Arizona failed to disclose XXXX in the running water until 2 days after closing. VA " guarantee '' was paid {$7400.00} of my money by NFCU for mortgage insurance " funding fee. '' Witch should have been waived because of my XXXX. Law suit was filed in the Superior Court of Arizona on XX/XX/XXXX case number XXXX XXXX & XXXX. They broke the LAW, and then run to alter their policy to try to cover for their lawlessness. NFCU whom I made this deal with, refuses to work towards a resolution, projecting their responsibility over to the State of Arizona and VA. VA is no help. NONE. The {$7400.00} given over to them was for their own enrichment, and to disadvantage me. NOW, NFCU & State of Arizona are lying again regarding an unlawful " auction '' which they say took place on XX/XX/XXXX, using " Commercial Lease '' property law, to bypass foreclosure law, and attempt to enforce a 5 day eviction notice. THE LAW IS NOT DEAD! ARE THE AMERICAN PEOPLE? If " We The People '' DO NOT STAND AGAINST SUCH TYRANNY, WE SHALL BE OVERCOME!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Transunion numerous times concerning the omission of my credit card issued by XXXX XXXX XXXX not being reported. Transunion has not done anything to resolve this issue besides stonewall me and my credit card issuing company. XXXX and XXXX both report this credit card on my credit report and has done so for the last 25 years.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion " verified '' collections with XXXX, however, I have provided proof to both XXXX and Transunion showing this is not my debt. XXXX has removed all entries on my credit reports on XXXX and XXXX, but failed to remove these entries from Transunion.

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 2017-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I called last month to PNC Bank to make sure that no direct debit out of my account since I do n't have any money in the account. Below is also the communication I had with one of their customer service team. { Thank you for choosing PNC Bank. This chat may be monitored for quality assurance purposes. The next available Online Consultant will be with you. 
Hello, this is XXXX. Thank you for choosing to use our online chat service. 
XXXX : Good Morning and welcome to PNC Chat! I 'm a Chat Consultant located in XXXX, PA. How may I help you today XXXX : I have not heard from you for a few moments. Are you still with me? 
XXXX : Hi, I want to make sure that PNC will not allow any payment request made in the checking account, since I do n't have any fund in the account. I do n't want to get charged insufficient fund fees XXXX : Hi XXXX, I would be more than happy to look into that request for you! Did you set up a payment to another company from your Checking Account? If so, how much was it and when was it done? 
XXXX : not that I am aware of XXXX : just make sure or post a note on the account that no payment is allowed until further notice. can you do that for me? 
XXXX : Sorry, are you expecting a payment to post to your account? I see that you are Opted Out of Overdraft Coverage, which means that you have not given PNC authorization to pay ATM and one-time debit card transactions into overdraft. This does not include checks, recurring debit card payments, non-PIN based debit card transactions or ACH debits where you have made and agreement with a merchant. 
XXXX : If a transaction comes through that is a check, pre-authorized payments and non-PIN debit card purchases may be presented to the account even if there are not funds. 
XXXX : no check will come through for now XXXX : Perfect! As long as nothing is scheduled to come through the account then you should be all set! In the case that an unauthorized transaction comes through, we can dispute that transaction and add all fees to the dispute to reimburse you. 
XXXX : ok thanks! 
XXXX : You 're welcome! May I address any additional concerns today in chat XXXX? 
XXXX : I am all set. thanks } I also called the merchant to do the same as well. However, PNC still allow the transaction to go through not once but 3x. In the process to charge me insufficient fund fee, returned fee. Does n't bank has a fiduciary duty to their bank account customers? So what I ever I requested on my account has no baring to what the bank want to do to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have chapter XXXX bankruptcy a public record on my Experian report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.

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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is 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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a complaint with Experian to vacate a public record of a Ch. XXXX proceeding filed but dismissed by the court as an error and withdrawn by the court the same week it was filed in XX/XX/XXXX. I became a victim of Identity Theft regarding a mortgage with my name on it that was foreclosed illegally by XXXX XXXX. Every other CRA vacated this public record court case # XXXX last year after I was affirmed to be a Identity Theft victim when our house was stolen! Experian in XX/XX/XXXX signed an accord to vacate ANY public record without all XXXX DATA points on the public record. My public record does not have enough data points of identification so it should be vacated as well! See news article on Page 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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with Experian credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report

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 2017-02-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX is not reporting the closure of my paid off overdraft on XXXX. I would like this investigated and closed as it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The CFM Group
State: ID

Complaint narrative:
On XX/XX/2017, I was contacted by an individual who told me they were serving me summons papers that I would need to sign for. She then gave me a toll free number to call to find out what the papers were regarding. I then contacted XXXX First Management out of California. They told me that XXXX was filing a civil lawsuit against me in XXXX County, Idaho and that I needed to either pay a settlement of just over {$2100.00} or be sued for over {$6000.00} plus court costs and fees. They threatened to garnish my wages, put a lien on my property, report this to the credit bureaus and require me to spend time in court if I did not settle immediately. I paid the settlement amount with a credit card before looking up consumer debt collection laws because they were threatening me and I was terrified of what a lawsuit could do to my credit and my family and my job. I called the company back and told them I believed what they did was illegal and I would like to cancel the payment to them. They then told me that a " tolling statute, '' allowed them to pause the statute of limitations and therefore, they could sue me and it would be totally legal. I would like to be refunded my payment of {$2100.00} since they collected it from me illegally by threatening to sue me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my business banking account this morning XXXX/XXXX/17 and noticed it was assessed an overdraft fee of {$35.00}. I had {$5.00} in my account and it shows that a transaction for {$6.00} is pending. I called customer service to let them know I will put the money in the account to cover the {$6.00} transaction before it posts as cleared. I also asked them to waive the overdraft fee as a courtesy since the transaction has not yet posted. I spoke to two representatives today XXXX/XXXX/17, neither of which were able to assist me. I asked for a supervisor and was placed on hold by a representative. She came back and said she had a manager on the line, but, he refused to take my call, so she would try again and placed me back on hold. My being Shocked is an understatement. She has since left me on hold. I have been on hold for more than 25 mins as I type this complaint from my smart phone. 

The overdraft fee shows that is has posted and cleared yesterday XXXX/XXXX/17, but the actual transaction is still in the pending status. This means I was assesed a fee before the transaction cleared. I should still have time to put the {$1.00} into my account to cover the {$6.00} transaction without incurring a {$35.00} fee. Total call time is now 45 minutes, and I am still on hold as I type this complaint.

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously disputed santander credit reporting with Equifax and received verification results that the account was verified as mine. It stated in the response that historical account information was deleted however it was never done. I was never 90 days late and that invalid derogatory information is harming my credit integrity. After I was notified of the removal of the historical account information it wss continuously reported on my credit as 90 days and I was never 90 days late. Now this account shows 14 90 day lates and I need ever had 1 reporting after the repossession all the way until I paid the account of in XXXX 2016. XXXX repossessed the vehicle at 85 days so that was n't ever 90 days. This invaild reporting is harmful and causes me to be denied for credit and to be given unfair interest rates due to the excessive late payment history.

Company response to consumer: Closed with explanation