vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was incapacitated due to XXXX and after a couple of automatic bill payments my account became overdrawn. Some of the " auto-payments '' were retried and my bank kept approving and reversing the payments and billing me for each attempt. In less than 4 days Fifth Third charged me over {$450.00} in fee 's on an account that was only overdrawn by {$300.00} dollars. I now have a negative balance of {$750.00}.

I've been a customer of Fifth Thirds for over 15 years, maybe more ( credit and checking ) and after speaking with an agent was provided no assistance or support. The agent who was clearly from an overseas call-center said he understood the situation and apologized as there was nothing he could do.

Fifth Third has also admitted to a posting issue where the mobile app does not reflect payments or pending charges and only shows " posted '' transactions leading to more customer overdrafts - of course they won't fix this issue because as most of us do banking on our devices, they'll just continue racking up the fee 's. 

Any help would be appreciated as I was laid off from work and am struggling to make ends meet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I visited XXXX XXXX apartment complex ( previously the Foundation ) in XXXX, CA at XXXX XXXX XXXX on XX/XX/XXXX. I was fooled into signing a leasing agreement before I got notified that I can't move into the apartment because I didnt meet financial requirements by the representative with the first name XXXX, but the real reason why they denied me to move into the apartment was my gender because most of the people in the apartments are male. When XXXX explained to me ( over the phone ) the reason why I can't move into the apartments she told me that the people on the apartment complex are from a different social class ( higher ) so the company thought I wouldn't fit with the community, and for that reason they denied me to get the keys of the apartment and denied to move in. 
I have been charged each month for the rent and have received a letter XX/XX/XXXX that the apartments have forwarded an outstanding balance to a collection agency, thing that they never let me move into the apartment and they decided to cancel my lease agreement. I have discovered a fellow civilian who shares my same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Ditech Financial LLC
State: UT

Complaint narrative:
In XXXX of XXXX my home in XXXX XXXX, Florida was damaged by Hurricane Irma and declared a FEMA disaster area. After over 1 year of recovery and {$160000.00} I think my house is repaired. FEMA did not offer any assistance as I had insurance and they referred me to the SBA which was quite helpful. Albeit a 3rd TD on my house at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

Ditech, my loan servicer, offered me a forbearance period pursuant to FNMA guidelines as being in a FEMA declared disaster area from XX/XX/XXXX to XX/XX/XXXX. I was granted a forbearance period for monthly payments until XX/XX/XXXX. 

After XX/XX/XXXX they want a lump sum payment of {$40000.00}. Not what they told me. 

It cost over {$160000.00} to repair my house. 

Ditech managed my repair escrow account during the process. 

They granted me and told me that at the end of the forbearance period my loan would be modified to include the foregone payments and it would be added to the principal balance and modified. 

They have now offered a loan mod. on a 20 year amortization increasing my monthly payment by {$2000.00}. That hurts. They offered counseling. Serious? 

They did not tell me the truth! When I call them they claim the call will be recorded. I have asked for the recorded audio records to prove what I was told. 

They told me the forbearance would not effect my credit. 

My FICO score has dropped from XXXX to XXXX and they report me as 180+ days delinquent. Not what I signed up for! I could not get a car loan with that FICO. 

XXXX XXXX has reduced my credit limit on my unsecured credit line from {$13000.00} to $ {$3000.00} as they ran my credit and they were not impressed. 

Ditech is not being fair. They respond but not satisfactory. 

All my bills are paid on time. You have my permission to run my credit report. 

This is not RIGHT! 

My credit to me is very important. I complied with everything they told me. 

This is not right! 

Not sure how or if I need to upload the supporting documentation. The last conversation I had with " XXXX '' at Ditech he told me I was delinquent 180+ days and it could not be changed. How can I be delinquent in forbearance? " XXXX '' said they can't fix my FICO. XXXX! 

I made payments at the end of forbearance in XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. 

I want them to fix my credit report!!! 

I have done all I was told I needed to do. This is not fair. I did not make the Hurricane and complied with all I was told I needed to do to repair my house. What's the point of FEMA, SBA, and FNMA? It's not RIGHT! 

I want my FICO back to XXXX all I have all the back up documentation. Ditech has my correspondents also. Where do I go from here?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I went into a lease agreement with Carmax Auto Finance for a XXXX XXXX XXXX. My monthly payment was {$490.00} dollars for a term of 74 months. XXXX XXXX I was in an automobile accident that rendered the car a total loss. My insurance carrier XXXX XXXX paid Carmax around {$12000.00} dollars which left a gap of approximately {$6000.00} dollars. They recived payment On or around XX/XX/XXXX. I argued that the car was not worth {$18000.00} dollars and so I should not be responsible for a balance of {$6000.00} dollars. Parts of the car were salvaged and yet Im still responsible for the remaining balance. I received countless phone calls from Carmax Auto Finance after I informed them that I had a hardship due to the accident and was unable to work. This situation has messed up my credit and Iam unable to get another vehicle loan as a result from this balance. They are adding unfair late fees and interest fees even though the loan is closed and charged off. Please investigate this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received an email notification from Capital One of an email update I never made because my access to the account is STILL blocked from my use. 

I file a complaint this afternoon with this Bureau, CFPB and, approximately 2 hours later, I receive this notification which is harassment as I have absolutely no access or have accessed the account since before XX/XX/XXXX, when I discovered Capital One and one or more operatives conspired to block my access to the account. RICO. 

Duly noted on the record, and for the record, retaliation, intimidation, electronic stalking, both civilian and federal, under XXXX of law, authority and title violations to add to the potential forthcoming document claim for the court of record it appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A purchase through XXXX with funds moved by PayPal. Customer purchased camera for XXXX and paid through PayPal. Customer filed complaint after receiving, saying didn't get item. Then stated misleading information to XXXX on transaction. Claim denied. Then opened case with PayPal saying he received rock, was asked to file police report and would not, I told PayPal and XXXX I would accept return if boxed properly and insured. Customer claimed he could or would not. Customer filed claim with Post Office on insured items. I sent affidavit to both companies showing proof of shipment and packing. Then customer filed with bank/credit card company? and i was notified PayPal would represent me and should not be a problem as he lost two previous cases. PayPal did not send any rebuttal information to bank on dispute from me only showed where customer signed for box. Charges reversed at the end of this 2 to 3 month back and forth correspondence. Customer never returned item, And truth and lending law violation as never worked it out with me and did not return items. PayPal refuses to disclose vital information to pursue legal remedies. Monies withdrawn from my account and item never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX   the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain  private Im currently a patient of XXXX XXXX XXXX were I have a established repayment plan on any and all outstanding hospital bills please see attached ledger of my account with them were it clearly shows a zero balance on the before mentioned collection item account number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: TX

Complaint narrative:
There is a collection account on my credit report from XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX, OH, XXXX, and phone number XXXX. It shows the account was opened XX/XX/2017. It says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and the amount is for {$1100.00}. The issue is that there is no original account on my credit report from XXXX XXXX XXXX XXXX XXXX. I think this MAY have been an old credit card, but all the information related to this account has disappeared from my credit report and therefore, I do not know when this account was open, what the balance was/is, and if it is past the statute of limitations because all of the information related to this account is NOT on my report. It was my understanding that old accounts of 7 years or more fall off your report and then collection companies can not collect on those, but this collection is showing as a new account opened in XX/XX/2017. Since there is not an old account showing this debt that was closed ( as is supposed to be on my credit report when the collection company buys it ) I reported these errors to Experian, but their investigation came back and nothing was changed. Since the original account is not on my credit report, I have no idea of what the dates are, and all of this information is incorrect and the collection company should not be able to have this on my report. I am requesting that the credit reporting bureaus remove this account from my credit.

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 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On or about XX/XX/XXXX - I opened the Wells Fargo Everyday Checking account following a promotion which states that : After having 3 direct deposit of {$500.00} or more within 120 days of account opening, I am eligible for {$200.00} cash back bonus. 

end of XX/XX/XXXX, end of XX/XX/XXXX and end of XX/XX/XXXX - there were 3 separate payroll direct deposits of {$500.00} into this account. 

But Wells Fargo hadn't provided my cash back bonus. 
I have kept my minimum balance of {$1500.00} so I have met all the conditions but I haven't got my cash back bonus of {$200.00}. 

when i inquired this last time - i was given the excuse that " I reviewed your account and our records show that the promotional incentive couldn't be paid because the Tax Identification Number ( TIN ) on file for this account couldn't be verified. '' This is not accurate as I have existing relationship with them - credit card, business checking and mortgage. at the time of account process - it did asked me to login online and complete the 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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX/ XXXX XXXX the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5.  The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private Im currently a patient of XXXX XXXX XXXX were I have a established repayment plan on any and all outstanding hospital bills please see attached ledger of my account with them were it clearly shows a XXXX balance on the before mentioned collection item account number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
The World Omni Financial-Retail is reporting that my account was delinquent. The account was paid on time every payment. I even made one extra payment after they had the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AK

Complaint narrative:
On XX/XX/XXXX my husband called to pay off the lease on his cell phone and was notified by XXXX the final amount was {$170.00} which was paid and the phone was unlocked, which is an indication that he is now the owner of the phone and free to take it to another carrier. On XX/XX/XXXX, I received a call from XXXX saying that {$450.00} was now due for the phone. I spoke to an upper manager who listened to the XX/XX/XXXX phone call and agreed that it was the error of their customer service rep. and additional money would not be owed. Today XX/XX/XXXX I received a notice from a debt collector company. Prior to this I have never received a bill or statement from XXXX for the alleged charges. I disputed the debt with the debt collection company and have spent several hours on the phone with XXXX and am being told they dont have a record of the XX/XX/XXXX conversation and now I owe {$450.00}. I have talked to multiple managers to try to resolve this issue and am not getting any resolution. I have been yelled at by XXXX customer service reps and treated very unprofessionally. I had to cancel my service with XXXX because we moved to an area in rural Alaska where they do not provide service. Since cancelling I now have been harassed with phone calls attempting to collect on a debt I do not owe.

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 2019-03-08 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: CA

Complaint narrative:
Equifax enclosed is statement of fact, you Equifax has contacted XXXX 20 time for verification { there own omission to CFPB and they verified each time BUT they do not own the account XXXX is owner. XXXX statement enclosed remove from credit report. that is all the evidence need to take this to the next level both XXXX and XXXX made these statement to CFPB on record, Remove the account of I will contact XXXX and XXXX who has a beef with you already, Ill send every document to them XXXX, CFPB OCC FTC ATTNY GEN of CALF and request a investigation on behalf of the american people in to your reporting practice I do have a clear cut case I will present to them please remove account as per request of XXXX do not respond with you templete letter we investigated came back verified because the minute i see that, A package will get mailed to the congress and the house with all documents income and out going Bet XXXX and XXXX would love this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
I received a notice dated XX/XX/XXXX to please provide insurance information for my condo/house. The notice claims that their records show that my homeowner 's hazard insurance expired, and they do not have evidence that I have obtained new coverage. I submitted my Certificate of Property Insurance on XX/XX/XXXX to https : //www.rpmservicing.com/insurance/ as directed by the notice, after I received it from my HOA. This insurance policy EFF is XX/XX/XXXX to XX/XX/XXXX. I have additional XXXX condominium unit owners insurance on record that is effective from XX/XX/XXXX to XX/XX/XXXX that the mortgage company required I purchase. I received a 2nd notice dated XX/XX/XXXX with a second and final notice to provide insurance information. This notice says the insurance that the mortgage will buy will cost an estimated {$31000.00} annually, which is about 1/3 the principle I own on the mortgage. I called XXXX to confirm they have received my insurance information and to ask for a confirmation letter/email be sent that I will not be charged for {$31000.00} annually for homeowner 's insurance which I already own. They did not process my certificate of liability insurance and would not provide an email, letter, or case number for confirmation that the mortgage company has received the evidence and that they could not buy additional insurance on my behalf for {$31000.00} annually.

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