vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a loan with Regions which is due on the  XXXX  of the month. I do not receive my SS check until after the  XXXX  which is within the  10-day grace  period. I have never had to pay a late charge on this loan and do n't intend to in the future! However, the bank calls continuously beginning after the  XXXX , sometimes  4-5 times a day. I received two  yesterday while I was sitting at the doctor 's office. I am requesting that the calls cease now! Again, I 've always paid the monthly amount within the proper time and within the 10-day grace period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27 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: FL

Complaint narrative:
I have a checking account with CHase Bank and i have several direct deposits, on  XXXX   XXXX   2017  they charged me {$68.00} for iNSUFFICIENT FUNDS FEE for  XXXX  checks in total both for {$50.00} and they did it just in the same day and some minutes before  one of my direct deposit enter. when they applied the first fee was for - {$3.00} and and the same they did in 3 weeks before. that mean they charged me in total {$100.00} for fee for some minutes before of my direct deposit in less of one month. This Bank Chase never help its customer, They just care about profiting from their c ustomers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/XXXX, I used PayPal to pay for several purchases. I got a bill from PayPal Credit.
My PayPal account is backed by a VIsa credit card. I have always paid PayPal thru this credit card. That is the way I want it to STAY.
I called PayPal Credit. They have opened an account thru Synchrony Bank, IN MY NAME!!!!.
This was done WITHOUT my Knowledge or Approval!!!!!
I consider this FRAUD!!!!!
I closed the account with Synchrony Bank.
I saw online, That in XX/XX/XXXX PayPal PAID a XXXX XXXX FINE for doing this ILLEGAL ACTIVITY!!!!! THEY ARE STILL DOING IT!!!!!!!
P.S. I had to go online to find out who to complain to. I asked PayPal credit & Synchrony Bank. THEY WOULD NOT TELL ME!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I have had my car 21 months and have may be 10 pa yments made on time. Ally loses payments. Requests bank statements to 'fix it ' and claims they never received them.     I have been on the phone fo r 3 hours at the point of writing this. My integrity has been questioned 3 times in the duration of the call. I have be en transferred 3 times between departments. I have a letter in my hand and read it verbatim and they still said I was wrong.   It is not my fault if their system is wrong or they made a typo. I am at ends with this company. They are crooks. I have made probably  XXXX ,  XXXX  dollars on this loan but only  XXXX  have come off of the note.     Just got transferred to a supervisor FROM A SUPERVISOR and the receiving call, has no idea what we wanted.     The date of this call is  XXXX   XXXX   2017 .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: WA

Complaint narrative:
2016 year I do not want to be called nor harassed by any payday loan debt collect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-27 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: CA

Complaint narrative:
On  XXXX / XXXX / 2017  my cell phone company,  XXXX , withdrew {$70.00} an automatic payment from my checking account ending in #  XXXX . There was a remaining balance of I believe {$1.00}. Then the following d ay Wells Fargo returned th at payment and posted those funds back into our checking account. Now having {$71.00}. I withdrew {$25.00} and purchased a couple of items from a local supermarket on  XXXX / XXXX /2017. Then  Wells Fargo B ank reposted the amount charged by  XXXX  in the amount of {$70.00}, which therefore now left me in the negative balance. Then the following day on  XXXX / XXXX /2017  Wells Fargo Bank c harged our account for an overdraft fee of {$35.00}. This overdraft fee I believe is not a just fee, since the bank was the one who withdrew the funds without advising that these funds were going to be withdrawn. We had the amount in the account for these fee 's and were able to cover the payment had they not removed it. If they had advised us these fees were going to be withdrawn then reinstated then the following day we would of not withdrawn the {$25.00}, nor done the purchase at the local supermarket. If you see I made another payment of {$50.00} on a different account fro m Wells Fargo B ank with  XXXX  and these funds were not withdrawn the following day. I spoke with  XXXX  and they had told me they received the funds on  XXXX / XXXX / 2017  and never reposted the funds back into my account to withdraw it the following day. The confirmation number they gave me if you need it is the following confirmation #  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 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Stuart-Lippman and Associates, Inc
State: PA

Complaint narrative:
I have   XXXX   accounts  with Stuart Lippman that I d isputed, due to the fact that these are payments to an insurance company for money owed to credit unions. I currently pay this money every month to a clerk of courts. After I filed the original dispute back in  XXXX  around the  XXXX , of  2017 ,  XXXX  accounts were removed from my credit files. However, around  XXXX   XXXX ,  2017   XXXX  of the accounts were added back to my file without my knowledge.   In accordance with t  he requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency.
I received no such notifications  . This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I have submitted documents to apply for an income-driven repayment plan 4 times.   The company keeps replying they ca n't read the documents I sent  ( they were scanned and sent in two different formats. ) The last time I submitted paperwork they replied Asking for a document I already submitted. They keep delaying my application in order to add more interest to my debt. All the documentation was properly submitted, and I have the emails to prove it. Nelnet is maliciously delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Delta Outsource Group, Inc.
State: WA

Complaint narrative:
Harassing phone cal ls from Delta Outsource Group b y  XXXX   XXXX  who claims they are representing   XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
1. I dispute d an amount of {$310.00} last year and was told it would be refunded to my account because I never received the item and it never was.      2. Here lies th e issue and below are the refunds that should be on my account because customer service screwed up my acc ount : Paypal   XXXX  refund should be account of {$91.00} interest reversed {$35.00} late fee reve rsed Total : {$120.00} reve rsed off acct PayPal  XXXX  refund should be {$100.00} interest reversed {$35.00} late fee  reversed Total :  {$130.00} reversed off acct  XXXX  refund should be {$100.00} reversed {$35.00} reversed  Total : {$130.00} reversed off account Total refund amount {$450.00} that should be applied to m y account, this is what customer service promised me and it was not done.        3. They have  been taking duplicate payments from  my PayPal credit a ccount and my bank account. This has happen numerous times. I am owed over {$5000.00} from this company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
URGENT!!! NEED HELP ASAP!!! ( Supposed to close loan on XX/XX/XXXX ) I 'm more than happy to provide more information upon request. When I purchased my home, I financed with XXXX. That loan was sold to XXXX XXXX XXXX, where I had a few loan modifications over the years. The loan was then sold to Carrington mortgage services. Carrington is now saying I owe $ XXXX more than what I actually owe, and they will not provide documentation or research the issue in a timely manner. I am aware that I owe the deferred amount from the loan modifications on my loan, however they are saying I owe the modification pay-off twice over. We are supposed to close on the house sale on XX/XX/XXXX. We have been trying to get this resolved for nearly 4 weeks, with absolutely zero response. We have been asked to contact Carrington 's  research department via Fax, but are also getting no response. I am desperate for an answer by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified and at that time  XXXX   XXXX  did not have proper credentials/license to collect in the state of TX. Now, today  XXXX / XXXX /   2017  the exact same account was allowed to be placed back on my Experian report. After speaking with  XXXX   XXXX  and hi s manager   XXXX , I was basically told that they would not remove the account even though it had been removed by Experian after the last investigation proved the account was inaccurate/incorrect and remov ed by Experian. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed afte r the investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
All   XXXX   credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX  l of North America for a   XXXX   XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: AL

Complaint narrative:
The buyer 's mortgage company called me and asked me to move my financing to them. They promised a lower interest rate and quicker closing than the company I was already with. This same company is holding the earnest money of my buyer, not me. I felt pressured by the Mortguage person to switch to them because they said they could make it happen timely and they were in control of the funds. They did a very prompt appraisal of my purchase which came in one day ahead of my buyers appraisal, despite his application being submitted earlier perhaps. When it came time for the appraisal of my sell property, it was done/submitted only a  XXXX  days before closing. This was after my being pressured to pay rent if I did n't vacate ( I told them I needed  XXXX  month after closing to move ), and buying a home warranty. Also, other staff when inquiring about the process in the  Mortguage  office, told me the  appraiser  was aware if the asking price prior to the indpection. The mortugauge  officer  also called me and strongly pressured me to accept the price and close on my sale today  XXXX   XXXX    XXXX  . Also, the appraiser declined to talk with me. Their are numerous errors found within the appraisal. I ca n't help but feel there was collusion between the buyer and mortgage person. This later spilled over between the Mortguage co and the appraiser. Especially when members of the Mortguage co stated the appraiser has prior knowledge of the asking price.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
All  XXXX  credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX   XXXX  of North America for a   XXXX     XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
All  3  credit bureaus have failed to keep excellent history from a mortgage i obtained in   XXXX   to  XXXX  at  XXXX   XXXX   XXXX    XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had  ( 2 ) lea ses with  XXXX   XXXX    XXXX    XXXX   XXXX  for a  XXXX   XXXX  and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
The company, Lexis/Nexis, XXXX XXXX XXXX XXXX, WI XXXX  has a renewal Notification dated XX/XX/XXXX report that shows my homeowner insurance policy with XXXX, # XXXX XXXX, policy from XX/XX/XXXX to XX/XX/XXXX, at XXXX XXXX XXXX XXXX NV XXXX  WITHOUT earthquake insurance with a premium amount of {$800.00}. XXXX ( XXXX ) has this same total WITH earthquake insurance which I pay for in this total. Despite many written requests Lexis/Nexis has not replied to me or corrected this error. Help!!!
XXXX XXXX XXXX XXXX ps ... the actual postcard from Lexis/Nexis was addressed to XXXX XXXX XXXX  at the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I hav e the Citibank Double c ash back credit card. From  XXXX   XXXX , there were unauthized charges to my account. I disputed the charges on or about  XXXX   XXXX . I was told I was not going to be charged for these amounts. On or around  XXXX   XXXX , I was credited approxim ately 1/4th o f the fraud charges. On  XXXX   XXXX , my automatic bill pay took a large sum from my bank account, which included {$1400.00} in fraud charges.   
Citibank will not release this money back to my bank account until they " do a full investigation which could take 2 billing cycl  es. '' I want my money back immediately. I 'm prejudiced by not having this money.

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 2017-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions
State: VA

Complaint narrative:
I received a phone call this week  (   XXXX   XXXX   XXXX  ) that I had an outstanding debt from  XXXX . However, I do not have any bills from the original company they claim to be collecting for to say that I owe anything. I have a screen shot from this my doctor stating that I have no outstanding bills.    XXXX   I have had the same phone number for a decade so they clearly did not try hard to contact me by phone before this point. During the phone call, I was NOT told that I could dispute the claim if I needed to. I have moved once but forwarded my mail and did not receive anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an account on line and then received a call to call them about the application. When I called them the representative could not find the reference number. After transferring me twice and account representative said they could not determine what the issue was but my card was approved and in the mail. I received the card and immediately actived it online as instructed. I then received a call from there fraud unit saying the account was on hold. I again called and was told the account had been activated and I was good to go. I attempted to then use the card at  XXXX  and the transaction was declined. I used online chat to check the status and the agent said the card was on hold for frau d. Citi continue s to tell me the card is good and then declines my usage. I am going to cancel the card because it appea rs Citi is trying to  run a  XXXX  FICO score. I am a good paying consumer and it is clear  Citi has no regard for it 's consumers. This is poor treatment and it is clear Citi processes are  designed to force consumers to call them to cross sell products and waste your time. I have other  XXXX  accounts so they already know me as a customer. I want others to know they should avoid using Citi!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On   XXXX   XXXX  ,  2017   , I had given a friend of mine my debit card to temporarily use. He had informed me that there was going to be a lot of transactions and deposits going to my bank account, and also asked me for my online banking login information. He told me not to worry and assured me that everything would be fine. Taking his word, I did not worry at all, although I was observing his activity from the online banking system.     The next day, I received some text notifications from my bank that my checking account was placed on a restriction due to the amount of activity associated with it. Not worried too much by it, I contacted the bank and cleared the restriction. Before the day had concluded, my online banking access had been completely revoked.     On   XX/XX/XXXX , I had co ntacted my bank to ask if my paycheck from my job ( which was direct deposited on that day ) was in my checking account. They told me that it was, but I would not be able to receive it due to checks that my friend had deposited to my checking and savings being considered counterfeit. They told me to give them until the   XX/XX/XXXX  to th oroughly look at the checks to see if they were real or not.     When the     XX/XX/XXXX  came aroun d, I had contacted in the early evening to learn that the checks were returned and that the only available funds out of both my checking and savings was {$290.00}. They also provided me the process for how to receive the funds.     The next morning, I went to a banking center to withdraw the above mentioned funds from my checkings while distraught by the realization of all that happened within that short couple of days.     I did n't learn of my accounts being officially closed until I went to a banking center  on the  XX/XX/XXXX  attempting t o clear a small negative balance in my savings account.

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