vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has continually allowed me to overdraft my checking account without any consideration to the fact that there may be a problem on my end that's causing me to consistently overdraft my account and charge NFS fees. Over the past several years I have been changed from what I can see so far 56 NFS fees for over-drafting my account. Now that is just from what I've been able to research and go back on my account, I have copies should you like to see them, in any event, it's excessive and Bank of America should've realized that this was an ongoing problem and restricted my account, and not allowing me to overdraft. But Bank of America continued to take advantage of the fact that I was weak and had a gambling problem and therefore kept driving my account into the negative and therefore continue charging me NFS fees. 

Now if this was just a few NFS fees here and there I can understand Bank of America charging me the {$35.00} for the NFS fees but from what I've counted so far it's close to 100 NFS fees in just the last two years if not more. It is the bank 's responsibility to recognize one account is being abused in place restrictions on that count to keep that customer from continually over drafting accounts for purposes that are not considered an emergency were finances are needed. 

I have called Bank of America multiple timeXXXX asking them to reverse the NFS fees but they continue to tell me that at this time there's nothing that they can do about reversing the fees.

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 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal Credit Union shows the minimum payment due as {$0.00} to authorized users on credit cards regardless of what the minimum payment actually is. As a result, in situations such as a military deployment in which the primary user is away and the finances are handled by a spouse ... They trap their customers into paying fees by providing deliberately false information. I could understand if their security model simply protected this information from authorized users. However, there is no excuse for providing false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit score was checked by TransUnion and I am not sure why because they are a credit company! It made my credit score XXXX  down and I have no clue as to why it would be checked by then. As far as I know it is an error along with the others included in the picture. XXXX XXXX was contacted by someone that was fraudulent in collecting my info to take out a school loan. I have since put these companies on notice, reported to every I could, called the police and now this feels like a last resort, why is this error happening!!?! 

Trans unionXXXX XX/XX/2019 Hard inquiry never approved or permitted by me! 


XXXX XXXX XXXX /XX/XX/2019 hard inquiry is FRAUD!! Not submitted by me. I have called local officials and put my credit on alert!

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 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
Tide Water continues to call my home number, my cell number and my childhood home number. Trying to collect on a debit that they are stating is out there on my maiden name. I have not used this name in over 16 years. Also my credit has been frozen for almost 2 years as my purse was stolen. I have also checked my credit report and there are no red flags on my credit that I have any unpaid debts. 

There has been no contact from this company in writing on what the debit is or how much is owed. From my understanding they would have had to do this with in 5 days of the original phone call. I believe the first call I received was back in XX/XX/2018. 

Because of all of this I believe this company is a scam. I need them to stop harassing me and my family will the obscene amount of phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: MO

Complaint narrative:
Experian is reporting a duplicate trade line items on a collection in the amount of {$450.00} partial account number XXXX, for an account that was opened in 2014. ( Please see pages 11 and 12 of the attached credit report. ) This incorrect reporting is harming my credit score and this item needs to be deleted. I have contacted the bureau to resolve this, however I was  unsuccessful.

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 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a Platinum checking account with Citizens Bank at XXXX, RI location ( XXXX XXXX XXXX XXXX XXXX, RI ) in XX/XX/2019. I presented the officer with a promotion coupon card mailed with the USPS change of address package for {$400.00} bonus after meeting certain requirements including maintaining a balance of {$25000.00} for three months. The banker at the branch accepted the coupon and opened the account for me in person and promised that I will receive the {$400.00} bonus after meeting the requirements. The banker didn't return the coupon card to me after opening the account and I relied on the assurance from the banker that the {$400.00} will be deposited assuming that all requirements are met. 

I deposited the {$25000.00} required to get the {$400.00} promotion bonus at the end of XXXX. After not receiving the bonus for three months, I called on XX/XX/XXXX to inquire about the promotion bonus and was informed via phone that bonus will be posted to my account in XXXX. On XX/XX/XXXX, I called the customer service line again to inquire about the promotion bonus that was not received. I was told that they'll investigate and get back to me. A lady from Citizens Bank left me an voicemail on XX/XX/XXXX saying that the coupon I used was valid from XX/XX/XXXX to XX/XX/XXXX and I am not qualified to receive the bonus because I opened the account before XX/XX/XXXX. I subsequently called again on XX/XX/XXXX and the person on the phone refused to provide proof that the coupon I used was not valid and told me that the manager of the branch where I opened the account will call me in the next 1-2 business days. The branch manager called me on XX/XX/XXXX and told me that I need to provide proof that the coupon I used in XXXX was valid, otherwise they would not honor the promotion bonus. The branch manager and the customer representative refused to provide proof that the coupon code was not valid, but insisted that I need to provide proof that the coupon that the branch accepted back in XXXX was valid. I don't have obligations to keep the coupon once the coupon was presented, accepted and kept by the branch banker. The Citizens Bank was clearly committing fraud by deceiving customers into depositing large amount of funds at a no a interest account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GMA Investments, LLC
State: FL

Complaint narrative:
Today XX/XX/2019 I received yet another call at work from summit receivables. He did not identify himself by name. Asked for me and then proceeded to list my date of birth and to tell me that I owed them money, when I told him I was not allowed to receive calls at work and that if it continued I would report them to the state attorney general and the CFPB AGAIN since I have not received anything in writing regarding this alleged debt, he laughed and told me to go ahead because maam you dont understand that were coming after you I submitted a previous complaint on XX/XX/2019 and you have yet to receive a response from this company

Company response to consumer: Untimely response
Consumer complaint received 2019-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
On XX/XX/19, I traded in my 2012 XXXX to XXXX XXXX. Shortly thereafter, I receive notice from my credit reporting agency that my account was hit for a 30 day late mark on this account AFTER I no longer owned the car.

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 2019-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Sallie May ( the student loan dealer ) solded it's business to navient - 2003 my sister took out a loan with sallie may - when they sold there business some how all of her info transferred to me and shes receiving all of my information.. Not only that but when it comes to my bills and payments they send them to her! They claim I gave them her email address but thats all lies - theres no proof of that - they completely violated my personal information and breached the contract by giving out my information and violating my confidentiality rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received an invitation offer from the Citi Thank you Preferred credit card introducing a new feature called The Citi Flex Loan which allows you to access funds from your existing credit line with a fixed APR and choice of payment terms. On one of the documents is listed that your Citi Flex Loan offer APR is 7.99 %, finding this APR rate attractive I applied for the Flex Loan and was approved. My bank account was funded with the requested amount and several days later I received documents relating to my card agreement which informed me that a new APR percentage rate was now assigned to the loan which takes effect XX/XX/2019 and which is double the offer APR of 7.99 % as advertised. After reviewing the terms and conditions of the offer I could not reveal any language in the documents that informed me that the APR percentage rate would and could change based on their discretion. I believe that the Citi Thank you Preferred credit card engaged in misleading advertising regarding the promotional APR percentage rate, offering an attractive low rate and then after approving my loan set that fixed rate at 15.24 %.

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 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have an account open with Chase Bank that they will not give me access to. I just received a mailing against that I have an account open and every time I speak with them they negate me completely and act like they have nothing in their back offices to show me. I have included two photos of my recent mailing from Chase Bank about my open bank account. After that I included many photographs of buildings with my last name 's symbolism of circle/s uplifted on them. The Circle/s uplifted are XXXX 's. Each building uses my life expectancy to make money come in for themselves. I have never been paid for the use of my protected identity which is XXXX. Please help me finally. I am XXXX and I am upset this is political and religious persecution too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX there were 3 balance transfers from my Comenity CC. The first one for {XXXX} was mine. There were an additional 2 charges : {XXXX} and {XXXX}. Comenity states that these went to a XXXX account and I do bank with XXXX Bank BUT these did not go into my account or any account that I am aware of. I have gone to XXXX Bank and sat down with them and they checked all my accounts to confirm that these transactions did not occur on my account. Comenity will not tell me the account where these amounts were transferred. So that my credit would not be affected, I have paid Comenity but these are not my charges and I have been trying since XX/XX/XXXX to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple addresses that are incorrect are reporting on my credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX WY XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: WA

Complaint narrative:
Equifax is reporting incorrectly a collection in the amount of {$68.00} partial account number XXXX. ( Please see page 7 of the attached credit report. ) There is no contact information given for the collection agency ; no telephone number and no address. There is no way to show that this collection belongs to me. This is a Fair Credit Reporting Violation and this line item needs to be removed from my credit report. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH MORTGAGE Contacts us stating they are taking over our dispute for OCWEN neither one of these companies are recorded in our county records office with a modification agreement. 
XX/XX/XXXX transferred servicing rights to OCWEN. XX/XX/XXXX modification agreement was accepted. XX/XX/XXXX notice of TRUSTEE SALE FILED Doc # XXXX while in modification. in XX/XX/XXXX unlawful detainer filed by heloc RESIDENTIAL CAPITAL MORGAGE Which was purchased by OCWEN with a purchase agreement in XX/XX/XXXX. while in modification and current and compliant.XX/XX/XXXX kicked out of home of 23 years and left XX/XX/XXXX.XX/XX/XXXX OCWEN FILES IN HOUSE FORCLOUSURE using the XXXX loan # XXXX XXXX NOTICE OF TRUSTEE DEED UPON SALE FILED Doc # XXXX and are last payment to OCWEN was XX/XX/XXXX we were current and in compliance with our modification as per our Homeowner bill of rights being violated. XX/XX/XXXX fraudulent grant deed filed Doc # XXXX XX/XX/XXXX FULL RECONVEYANCE FILED DOC # XXXX AND NO HOUSE. THIS COMPANY HAS BEEN FOUND GUILTY OF MORTGAGE SERVICING FRAUD AND VIOLATING BORROWERS HOMEOWNERS BILL OF RIGHTS XX/XX/XXXX AND IN XX/XX/XXXX WHY ARE THES COMPANIES STILL IN BUSINESS AND THE CEO '' s NOT IN PRISON AND WE WERENT NOTIFIED OF ANY CLASS ACTIONS SUITS BECAUSE WE ARE NOT RECORDED ANYWHERE IN OUR COUNTY RECORDS WITH THESE 2 COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have sent requests for my credit report to Equifax via certified mail on XX/XX/2019 and again on XX/XX/2019 including proof of identity, proof of address, proof of social security number. Equifax has failed to provide a copy of my credit report to this day, XX/XX/2019. In addition, I have attempted to contact Equifax online and over the phone answering all identity verificarion questions exactly as they appear credit reports from XXXX. Representative XXXX, Employee ID number XXXX, refused to provide access to my account over the phone in order to lift a credit freeze temporarily. Same result with supervisor XXXX, Employee ID number XXXX. Neither would explain to me why Equifax will allow mr access to my account and information online nor provide a reason they will not provide any information to my account over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
Debt was paid ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: CO

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and spoke to a representative and removed myself as an authorized user from this account. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my report. I have contacted the bureau to fix this issue however I was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/2019 I was looking to purchase a truck and I got a preapproval from XXXX   XXXX - the truck that I wanted was at Chrysler but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through Chryslercap. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because Chryslercap had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that Chrysler then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with Chrysler no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call Chrysler.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: NC

Complaint narrative:
made online loan in XX/XX/2019 for {$650.00} company did not explain the conditions of the loan or the high interest rate of 600 percent have now paid approx. {$2000.00} repayment on a {$650.00} loan and still paying feel as though company does not disclose terms of loan and are hard to contact if they are gave full disclosure of terms of loan I would not have dealt with company they are taking unfair advantage of people who are already financially spent out and in dire needs did not receive any contract information from company

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 2019-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I transferred to my own PAYPAL Acct. XXXX $??. 
Then I transferred it back and expected it to go back on my Bank Account. 
Now it says I received XXXX $ But doesn't say from where and on the bottom line it still says I get a refund from XXXX,?? $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF MY IDENTITY THEFT. XXXX MEDICAL BILL THAT I DO NOT OWN HAS BEEN DELETED, BY XXXX  XX/XX/XXXXAND XXXX PUT THE SAME ACCOUNT BACK ON THE MY CREDIT REPORT, I ALSO FILE A POLICE REPORT THAT WAS ATTACH TO ALL NEGATIVE REPORTS

Company response to consumer: Closed with explanation