vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 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: SC

Complaint narrative:
Applied for a loan in XX/XX/XXXX, received a credit report stating I had three months of pass due payments for about {$360.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit report. I made a call to XXXX XXXX about the information. They told me I didn't do my recertify paper work. I told them I didn't received anything in my inbox, or mail. They said it was my fault, and they can't change the information. I put in a complaint to the credit bureau, and they maid contact, and was given information stating that XXXX XXXX disagree with my complaint. I just recent applied for a mortgage and it is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that GM Financial had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. Reported nothing XX/XX/XXXX than reported me 60 days late in XX/XX/XXXX. I immediately contacted GM Financial to report that when I log into their payment system, it showed my account has having a balance due of { {$0.00} } The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. GM Financial customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. There are also articles online where GM Financial admits having issues with their payment system when they upgraded in XX/XX/XXXX. I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error. I want the late payment removed, this is affecting me purchasing my home

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/18 I submitted a dispute/ claim ref # XXXX with Chase Bank for two unauthorized transactions. I personally contacted the merchant and Received email confirmation from XXXX XXXX ( merchant ) on XX/XX/18 that the disputed transaction would be refunded to my account. I provided chase with their contact number XXXX/XXXX-XXXX to verify the facts. Chase sent me letter dated XX/XX/18 stating they allegedly researched the dispute and that no error occured so they would be reversing the temporary credit out of my acct. On XX/XX/18 I faxed chase claims dept the attached letter providing them detailed info to verify so they dont take the $ back. On XX/XX/18 Chase withdrew the funds back out of my account leaving me in a negative status then proceeded to charge me overdraft fees. Chase obviously never investigated anything. I Spoke to XXXX on XX/XX/18 he states I failed to Provide them with documentation that I dont owe the funds then proceeded to state how they cant accept my letter. This is absurd. They have full knowledge the action they took is wring and are avoiding their responsibilities. I did my due diligence and am now being harassed by their collection dept. For money they actually owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I went to TD Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX on XX/XX/XXXX ( Sunday ) to establish a Rental Deposit A/C ( Landlord & Tenant A/C ). Tenant 's check in {$3300.00} was deposited same day and a deposit slip provided to me before I left ( copy of bank 's account opening form with all the details and my signature is attached for reference ) On XX/XX/XXXX, after I have evicted the tenant not paying rent for 6 months, I went to the same TD Bank to close the rental deposit account and want to withdraw the deposit to compensate my rental loss. I was told that the rental deposit account was closed in XX/XX/XXXX after no activities for 6 months since account opening and they were unable to retrieve any history of this account. I was asked to request for a statement of this account to be mailed to me and then talk to the Branch Manager with the statement. Nothing was received so I went to the bank again on XX/XX/XXXX and meet the Manager, she was also unable to find anything ans request me to wait for her call after she investigate the case with the Back Office, nothing happened, so I called the Manager on XX/XX/XXXX and XX/XX/XXXX to follow the case. The Manager said they are unable to do anything without the deposit slip which I was unable to locate in my files. I raised the question to the Manager that who authorized the closing of the account without my signature and are they able to locate any record of the deposit made on XX/XX/XXXX or XX/XX/XXXX and where the fund goes after the check was cleared. 
The Manager was unable to give me an answer and keep asking me for the deposit slip and/or the check copy which I can not find. 
As far as I know, this kind of Rental Deposit A/C can not be closed without my authorization, but no one in the bank can tell what happened. 
I am requesting the Bureau to help that what I can do in order to get back the fund of {$3300.00} deposited by me to the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
My father signed the document that he would pay for my braces. He was unable to do so and this debt was passed to Evergreen Financial. Instead of contacting my father to collect the debt they have contacted me. 
I have informed them on multiple occasions to contact my father however they have made no attempt to do so and have continued to call me at work and other inappropriate times. 
I also find it suspicious that they have not attempted to contact my father. He informed me that he filed for bankruptcy not too long ago. That bankruptcy would discharge the debt. I suspect that they are attempting to illegally collect the debt from me since I may not have knowledge of the bankruptcy. 
When I informed them of this information and requested they stop attempting to contact me, they put me on hold for 10 minutes while I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have two balances - an interest bearing balance and a transfer balance with a zero percent interest rate. I generally have been paying from ten to almost sixty dollars over the minimum payment to reduce the interest I pay on the interest bearing balance. In XX/XX/XXXX of this year, I realized that the principal balance was not decreasing as quickly as it should have been, given the amounts in excess of the minimum required payment I had paid so I began looking at my statements more closely. I discovered that in XX/XX/XXXX of this year, 92 % of my payment, after the deduction of interest, had been applied to my zero interest balance transfer amount and only 8 % of the payment had been applied to the interest bearing portion of my card balance. I called Customer Service and complained about how my payments were being applied. I was told that there was no way to control how payments were divided between the interest bearing balance and the zero interest transfer balance. By applying substantially more of my payments to the zero interest balance account than it does to the interest bearing balance, the bank is increasing the amount of interest that I pay and it receives. In three instances in the last 9 months, the bank has run afoul of 12 CFR 1026.53 ( a ) which provides that " when a consumer makes a payment in excess of the required minimum periodic payment for a credit card account under an open-end consumer credit plan, the card issuer must allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on the applicable APR ''. In XX/XX/XXXX of this year, only {$11.00} of the {$15.00} I paid over the minimum was applied to the interest bearing portion of my account. In XX/XX/XXXX of this year, only {$17.00} of the {$31.00} I paid over the minimum was applied to the interest bearing portion of my account. In XX/XX/XXXX of this year, only {$6.00} of the {$13.00} I paid over the minimum was applied to the interest bearing portion of my account. In short, the principal on my interest bearing account, by law, should be reduced by {$23.00} and the interest adjusted accordingly. When I opened this account, I assumed that at least 50 % of my payments, after deducting earned interest, would be applied to my interest bearing balance. I feel most reasonable consumers would make the same assumption. I am very upset that this is not the case and that the bank can apply most of my payments to the zero interest account to increase the amount of interest it receives. This is very unfair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Today on XX/XX/2018 at XXXX XXXX, I received a call from XXXX. On phone was an agent named XXXX who didn't provide his last name but mentioned that he is calling from " Card Services '' and upon insisting to provide more details he used names Capital One and XXXX XXXX XXXX. 

The call started with a recorded message which had verbiage such as " this is your last and final call '' and " if I didn't take action ''. Before I have put my number on " Do not call '' Registry but despite that I keep receiving calls starting with area codes XXXX. 

When I asked XXXX to provide me for his office address, he asked me if I wanted to send my wife to him and then he started to talking in abusive language including using f ** and b**** words. 

I do not tolerate any such advertisements especially those involving abusive and insulting language. I asking CFBP to not only take actions against such abuse. These kind of abusive behavior has hurt my mental status when I am busy working at my desk. I can't stand such and am ready to take whatever legal actions needed to fight against such hostile advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX Syncb XX/XX/XXXX and XX/XX/XXXX XXXXr autho consumer USA XX/XX/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 2018-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
My original complaint was complaint number XXXX-XXXX. I had written in response to a XXXX form that I received without being able to get information regarding the reason I was receiving it. I have reviewed the response from Toyota but it raised some additional questions.The response from Toyota along with the history provided indicates that I purchased a Toyota XXXX on XX/XX/XXXX, then on XX/XX/XXXX the car was repossessed and then charged {$2000.00} in repossession fees and if I am reading correctly sold for {$530.00}. Then according to the response I was provided with some legally required notices however I do not see these attached. Again according to the response my account was charged off on XX/XX/XXXX, and in continued to make payments according to the history provided. Then starting in XX/XX/XXXX the payments up until XX/XX/XXXX are applied to interest which seems odd if the account was charged off. Neither I or the co-signer have seen these letters from XX/XX/XXXX that were attached. We continued to make payments on the account and then the letter states that Toyota ceases to attempt to collect the debt in XX/XX/XXXX. I have not heard from, received a letter from, spoken to Toyota in  years. I purchased and financed a new Toyota XXXX in XX/XX/XXXX. I purchased a home, got a mortgage, and purchased and financed multiple cars over this period. Now in XX/XX/XXXX I receive this XXXX, however I no longer have any documentation to try to affirm the amounts due or paid as it has been 14 years since Toyota says they charged the account off. While in the letter it states attempt to collect this debt ceased in XX/XX/XXXX, but is there any evidence of collection activity occurring, or when was it that the last collection activity occurred? How would I be able to verify that if this XXXX is correct, that it was issued in the correct year, account was charged off per Toyota in XX/XX/XXXX, and in the history it appears the car repossession charges that start from XX/XX/XXXX,  but then the car is sold in XX/XX/XXXX and the 2 year old car was sold for {$530.00}. The whole timeframe somewhat baffling. It just seems based on this timeline it would be really remarkable for me to have the records to verify or respond to this. There is no reference of this account appearing on either my or the cosigners credit report. It never came up as an issue when I bought a home in XX/XX/XXXX, or when I purchased a Toyota XXXX in XX/XX/XXXX. I just don't understand how I could have addressed it if there was no contact or info for me to respond to, if nothing the XXXX should have been issued in a different time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: AZ

Complaint narrative:
I have been recently diagnosed with XXXX XXXX, I called XXXX XXXX customer service explaining to them that I will have XXXX and XXXX. I asked if there was anyway if we can lower my payments, since my cosigner is already paying all the household bills. I asked to speak with a manager when customer service said they couldn't help me, they then replied that they couldn't find a manager on hand and that I will receive a call. I still haven't received a call from anyone. I cried twice, first when I was diagnosed and when XXXX XXXX said they couldn't do anything for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company keeps calling me with a recording stating that they need to talk to someone else ( a name I dont know ) and they need to call immediately. I finally call them after being contacted numerous times in 1 day. They then tell me they are calling for me, they provide my first and last name. They then send me to my account manager, who then also tells me my name and ask if my date of birth is xx/xx/xxxx and the last 4 of my social is xxxx. I stated yes, keep in mind she provided me with all this information, never ASKED me to give her my date of birth or last 4 of my social. She then proceeds to tell me they are calling about a debt linked to social security number xxx-xx-xxxx, providing my WHOLE social security number. This is a huge issue and the reason why there is so much identity theft! She could have been speaking to ANYONE as I never gave her any information it was simply provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Dept of Ed/ Nelnet XXXX amount due {$1800.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

Dept of Ed/Nelnet : amount due {$1000.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

Dept of Ed/Nelnet : amount due {$1500.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

The wrong address was on file. I have not lived there for over 6 years. The wrong phone number was also on file. I have updated all account information so that I receive proper notifications. I am currently on a repayment plan and my next due date is not until XX/XX/2018. I do not have any past due fees reporting on my Nelnet account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I had no notification that this debt was in collection. I got no communication from this company. No phone calls messages or letters in the mail. My rights to dispute were violated and this went straight to my credit report. I am 100 % disputing this debt.

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 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NC

Complaint narrative:
Police case number XXXX Officer cop XXXX I was a victim my debit card was stolen, I reviced calls from this officer asking did I know the people that used my debit card on certain dates and I explain to him that I was there on military reason didnt know anybody there. I paid for an police report they sent my money back because my actual name wasnt on it but it was my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I purchased a XXXX XXXX in XX/XX/XXXX and paid on it until till XX/XX/XXXX. I ran into financial trouble and voluntarily let the car go back. the loan company prestige financial has sent me a summons for the amount of {$17000.00} dollars when I bought it for XXXX. It was repo in XX/XX/XXXX and sold to auction and the acct closed and charged off since XX/XX/XXXX. They are reporting this to XXXX late and failed to pay when I don't have this car, XXXX and XXXX has removed this charged off debt, They cant charge me or continue to report on my credit for something that was sold to auction, XXXX XXXX from prestige and XXXX XXXX have harassed my jobs and family. I cant afford a lawyer for harassment therefore I am sending complaint. This needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC
State: LA

Complaint narrative:
This company has repeated called my phone. When I spoke to them, the gentleman gave information that was false. He mentioned accounts that I do not have and then mentioned I have products that I never have had. I explained to him the information was inaccurate and that he has not provided me anything that I recognize. He then gets loud with me and yells " stop stealing! Stop defrauding people! '' This is a false claim and slanderous. Terrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
My father signed the document that he would pay for my braces. He was unable to do so and this debt was passed to XXXX XXXX. Instead of contacting my father to collect the debt they have contacted me. 
I have informed them on multiple occasions to contact my father however they have made no attempt to do so and have continued to call me at work and other inappropriate times. 
I also find it suspicious that they have not attempted to contact my father. He informed me that he filed for bankruptcy not too long ago. That bankruptcy would discharge the debt. I suspect that they are attempting to illegally collect the debt from me since I may not have knowledge of the bankruptcy. 
When I informed them of this information and requested they stop attempting to contact me, they put me on hold for 10 minutes while I was at work.

Company response to consumer: Closed with explanation