vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Kohls Department Store calls my work number often as well as my cell phone. My cell phone is all right, but since I ca n't answer it during the day at my front desk office job, and no privacy available for personal matters, I told them I ca n't talk to them on that line. Today ( X/XX/17 ) when I got back from a meeting, my XXXX XXXX who is working to answer phones in our office this summer ( I work at a XXXXXX ) told me that Kohl 's Department Store called and was looking for me, and that I should call them back - yet they left no name or number with her. My student did say it was a woman calling. There is NO reason a creditor should call my place of work and for privacy reasons ask ANYONE about me, especially a current college XXXX! I feel my privacy rights have been invaded. Are n't there rights I have at work to keep my account with Kohls confidential, especially telling information to our XXXX that pay tuition to go to our college? This is very uncomfortable for me to get a message like this from my XXXX worker, therefore I am putting in this lack of privacy when dealing with a business matter complaint with you. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
Hi I am in arrears on my mortgage while i had a drastic reduction in income, since then i am working full time, my wife is working as a source of other income and ive obtained my brother in laws help as a renter to help us pay the mortgage. Ive been working with  XXXX  / Bayview loans  for what i believe 3 years on a modification. My math says we can afford to pay the new higher loan with the arrears. They keep stalling on an answer, meanwhile they got a judgement to forclose. Now we, my wife and children, are panicking and  Bayview  is not really giving me an answer here, so i do n't know what to do.   My loan number is  XXXX  with Bayview

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
ACH credit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} ACH debit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} Former employer ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX was my past employer in which I quit due to him fraudulently not paying my commissions to me. I had this credit on XX/XX/XXXX for which I thought was previously owed commissions or residuals possibly from an audit etc. <P/>On XX/XX/XXXX without my knowledge, a debit was made for {$1000.00}. I have a joint checking with my spouse with him as the primary. <P/>How is any person/entity/or company authorized to debit my account anytime they wish without my knowledge or consent! I tried contact JP Morgan Chase and with no results or answers. <P/>I contacted my former employer and he referred me to the XXXX XXXX XXXX and again received no answers. <P/>No one in any of these parties had my or my husbands authorization to withdrawl funds from our bank account. No one having my account or routing number is authorized unless I give permission to withdrawl any funds that I have in any of my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I started seeing collection accounts on my credit about 3 years ago from  XXXX   XXXX . I kept calling asking who they were and demanding they remove themselves from my reports. They refused and then sold the debt to a collection company. I 've seen them on my credit and tried to dispute with them but they refuse to provide a mailing address. I have a police report detailing the identity theft I 've suffered since   XXXX   and have had other fraudulent accounts closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical Revenue Services  has been calling me on my personal number and at my work number several times a day. This is for a medical bill to  XXXX   XXXX   XXXX  for {$1200.00} that I am paying directly to the original creditor, I 'm making a monthly payment on a couple different bills and this is  one  of the ones lumped in to the payment.  <P/><P/>  MRS was  rude, after I asked them to not call me at work because my employer does n't allow it. She got mean and nasty and started yelling at me. Told me they would take me to court. These people are ridiculous. Would n't give me any information, pushed that I pay them in full immediately. When I told her I was paying the original creditor, she said I was lying and they would n't have sent the debt to them if it was n't valid. When I told her that I was n't going to pay her she said fine, we have been reporting on your credit report, and will continue to do so and hung up.

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 2017-07-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
THIS IS MY 3RD RE-INVESTIGATION AND I WILL DISPUTE EVERY WEEK IF NEEDED. OR HIRE A ATTORNEY. LETS MAKE SURE WE ARE ALL ON THE SAME PAGE. SOMEONE OPEN UP A FRAUDULENT BANPKRUTCY UNDER MY SS # IN XXXX XXXX NEVADA. A PLACE I NEVER LIVED NOR VISIT. IF YOU CONTACTED THE COMPANIES THEY GAVE ME 2 ADDRESS FOR XXXX XXXX THE ADDRESS WAS XXXX XXXX XXXX XXXX XXXX NEVADA XXXX XXXX XXXX XXXX ADDRESS WAS XXXX XXXX XXXX XXXX XXXX XXXX NEVADA. NOW IF THESES ACCOUNTS WERE PROPERLY VERIFIED THEY WOULD HAVE SEEN THAT THESE ACCOUNTS WERE OPEN IN XXXX XXXX NEVADA AGAIN WHERE I NEVER LIVED. THEN THE PERSON INCUDED THESE ACCOUNTS IN A CHAPTER XXXX BANKRUPTCY WHICH WAS REMOVED AS WELL AS A CAR AUTO LOAN THAT WAS OPEN UP IN XXXX XXXX NEVADA. HOW CAN YOU REMOVE SOE OF THE ACCOUNTS THAT WAS FRAUDULENT OPEN AND INCLUDED IN A BK BUT NOT ALL!!!!!!!!!!!!!!!!! PLEASE RE INVESTIGATE AND REMOVE THESES ACCOUNTS FROM MY CREDIT FILE. I HAVE FAXED AND MAILED OVER ALABAMA STATE ISSUED DRIVERS LICENSE AND STATE TAX RETURNS FROM THE MENTIONED OPEN DATES THAT THESE ACCOUNTS  WERE OPEN AND THEY STILL HAVENT BEEN REMOVED!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
ON XX/XX/2017 XXXX XXXX MY XXXX XXXX XXXX WAS REPOSSESSED. I WAS IN CONTACT W/ LENDER ABOUT MY DEFAULT ACCT AND MADE SURE I MADE VERBAL CONTACT SO THAT MY PROPERTY WAS NOT SEIZED. COMPANY DID ANYWAYS. I HAD TALKED TO CSR 3X WEEK AND A DAY PRIOR TO REPO AND WAS NOT GIVEN ANY NOTICES AND I ASKED IF MY VEHICLE WAS OUT FOR REPO. CSR STATED NONE OF THAT INFO. WHEN REPOSSESSION OCCURRED COMPANY TOLD ME THAT A REPO EMAIL CAME IN EARLIER THAT WEEK THE NIGHT BEFORE I CALLED COMPANY CSR FAILED TO CHECK HER EMAIL AND THATS WHY SHE DIDNT KNOW MY CAR WAS OUT FOR REPO WHEN I ASKED. MY VEHICLE WAS IN A CAR WRECK PREVIOUSLY AND I COMMUNICATED THAT W/ COMPANY AND THEY STATED THAT IT WOULD BE OK. MY ALMOST LOST MY HUSBAND IN CAR ACCIDENT AND I HAVE BEEN THE ONLY WORKING SPOUSE IN MY HOUSEHOLD AS WELL AS CARING FOR MY HUSBAND. I EXPLAINED ALL THIS TO COMPANY AND THEY MADE IT SEEM AS LONG AS I WAS IN COMMUNICATION MY VEHICLE WAS OK. THIS WAS TOTALLY DECEPTION BY FAR. WHEN TALKING TO DISTRICT MANAGER I WAS LAUGHED AT AND ALSO COULD N'T GET A DIRECT ANSWER WHEN I ASKED '' SO I WAS UNAWARE OF MY CAR WAS OUT FOR REPO DUE TO NO ONE CHECKING EMAIL. WHEN REPO OCCURED BREACH OF PEACE WAS INVOLVED ALSO. REPOSSESSION AUTHORITY KNOCKED ON MY DOOR ABRUPTLY AND I WAS SCARED TO OPEN DOOR I WENT OUT THE BACK OF MY PATIO AND MET HIM IN FRONT. AS I WALKED UP TO HIM I ASK WHY HE HOOKED MY CAR AND I JUST SPOKE TO COMPANY 24 HRS PRIOR AUTHORITY  TOLD ME TO CALL STORE ASK I WALKED LITERALLY 5 FEET TO MY DOOR TO GRAB MY PHONE TOW TRUCK TOOK OFF AND SPED THRU A SEWAGE HOLE RAN APT COMMUNITY STOP SIGN AND 1ST STOPLIGHT ON CORNER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Company
State: PA

Complaint narrative:
My home phone number has fielded repeated calls from a debt collector at  XXXX  since  XX/XX/XXXX  . At  XXXX  on  XX/XX/XXXX  , the caller left an automated voicemail for a "  XXXX   XXXX   ,   XXXX  '' but nobody by that name has ever lived at my house. Ever since then, the caller has either left voicemails without stating a name or no voicemail at all. For most of this year  (   XXXX  ) they have called on Saturday mornings, usually before  XXXX  and often up to  18 t imes within a minute or two. I 've tried blocking their number, but their harassing usage of robo-dialers sometimes gets past my provider 's call-blocking system. Their most recent vxmail ( Sat XX/XX/XXXX  at  XXXX  ) again says that they 're a debt collection company but does not mention the name of the person from whom they 're trying to collect a debt. In any case, nobody at my house has any outstanding debts to be collected. I 'm not sure whether they 've been trying to reach "  XXXX   XXXX ,  XXXX  '' for 2+ years, but whoever they 're trying to reach THEY HAVE THE WRONG NUMBER and need to stop calling me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX as the trustee for Option One Mortgage Loan Trust XXXX claims to be holder of the note and claims to have a valid transfer of assignment. We did a title search on X/X/2011 and Option One Mortgage Corporation, a California Corporation was the holder of the note, but a transfer of assignment was filed in XXXX County Land Records office on XX/XX/XXXX, after our mortgage was in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a husband and father going through a very emotional financial hardship. I am also very optimistic of my future as I continue to battle through and run towards opportunities. Due to my current financial strain I am unable to pay for my bills as scheduled and my bank has been covering the insufficient funds. As I do understand and appreciate this policy under reasonable terms, I do believe that I have been taken advantage of. As a result of the banks unreasonable fees I am currently overdrawn $ -XXXX with my account scheduled to close sometime on XX/XX/XXXX if I do not make the account current. I do plan on seeing some money soon but I 'm afraid that this may just cover my negative balance leaving me with no money to pay my bills and many more bank fees. As of today from the beginning of the year ( 2017 ) I have incurred {$2000.00} in bank fees with {$980.00} just being in the last 3 months. This is not a reasonable practice and I must do what I can to try to resolve and also alert other consumers that are going through the same issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is a purchase of {$230.00} : here is a copy of transaction from Capital One card : *   XXXX     XXXX  Transaction Date Friday,   XX/XX/XXXX     * Posted Date Monday,   XX/XX/XXXX     Details Grocery Appears on your statement as :  XXXX   XXXX   XXXX  FL  XXXX   XXXX  I did not made that purchase whatever it was. I did not go to   XXXX   on that day. The charge is large and it is not mine.  <P/> I called Capital One and they did very superficial investigation and told me that it is hard to say what charge that it and did not remove that {$230.00} amount. That is a very large amount and I would remember if I bought anything but I did n't. I want that amount removed because the charge doe snot belong to me. The only thing Capital One did is they replaced the card but the charge is still there and it caused me a great deal of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised to make an complaint with CFPB complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian advertises that credit check total is accurate. However, it does not have accurate information as by credit check total I do n't have any account from XXXX XXXX and by experian it is. fraud fraud fraud!

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 2017-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a dispute with Experian about an account that 's reporting only with them and not with the other bureaus. I advised them that they causing me sever damages by not correcting it and that I will file a complaint with the CFPB they than assigned a representative from their consumer affairs department and since then I am not getting proper help over the phone like anybody else, the agent assigned is almost always not available, afte r 5  he is officially not available. When someone else from the same department answered, they put me on extensive long holds and suddenly transfer me into that same representative assigned to me while he is not available.

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 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TN

Complaint narrative:
I am being over-charged for medical services that I did not receive. I tried explaining this to the collection agency and they refuse to take my claim under consideration. They insisted on me paying the debt regardless of the fact that I was billed, along with my health insurance company, for services I never received. I did receive medical care XX/XX/XXXX thru XX/XX/XXXX, which during this time I did have health coverage through XXXX of XXXX TN. My only outstanding balance at this time was a little under a {$200.00}. I was then transferred to another physician per their request XX/XX/XXXX and in XX/XX/XXXXI received a bill from the collecting agency stating that I owed {$1000.00} far more than the {$200.00} that I knew was outstanding. I was receiving XXXX XXXX and I stopped being cared for by this physician in my 24th week. This doctor is trying to charge me for the remaining 15 weeks which no care was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A charge in the amount of {$310.00} happened on X/XX/17 on my Amazon Chase card. I agreed to pay the merchant {$60.00} US dollars not {$310.00} dollars for a silver bracelet in XXXX. The clerk performed the rate conversion in front of me ( twice ) and assured me the price charged would be {$60.00}. There was a miscommunication between the clerk and the cashier. I was charged a different amount than what was agreed upon. The cashier swiped my card for a different amount than what the item cost, which is incorrect. I filed a dispute within a few days of the transaction and issued a temporary credit which was later reversed. The merchant submitted a receipt to Chase with the incorrect amount on it. I have tried to speak with various people in the Chase dispute department. The last person that I spoke to was the Credit dispute Manager on X/XX/17. The Credit Dispute Manager was not able to provide me the merchants phone number, website, description of the item purchased and the address of this merchant. She claimed to not have that information on file. The receipt the merchant provided as evidence also does not have that information. I mentioned to the Customer Dispute manager that I would like to contact the merchant and ship back the bracelet for a possible refund. Chase has denied my initial claim due to receiving the merchants receipt and me not having any other evidence to submit. The only thing the Customer Dispute manager told me to do was to send another letter to re-dispute this outcome of this investigation. They would also not state if they even had an appeal process, so I just mailed them a certified letter opposing their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have two debts that are over 7 years old. My husband left me in XX/XX/XXXX and I stopped paying our credit cards. The divorce was finally completed in XX/XX/XXXX where they granted him this debt and it is specifically noted in divorce. He moved to XXXX. <P/>I have cleared up most and made agreements to clear the debt. But the remaining balance sits out there and did not get written off. <P/>Years later and I have re-married and bought a house but these were brought to my attention as a credit counselor tried to help me clear them. <P/>I just received a letter from XXXX wanting the balance XXXX for something that is in a divorce agreement and was back in XX/XX/XXXX. <P/>Also a very ugly company stating they are an attorney, Portfolio Recovery Associates are trying to get a balance of XXXX going back to XX/XX/XXXX which is the last statement they have from XXXX  XXXX. They call me every day, multiple times a day. They even called my fiance, and told them of my debt and he has nothing to do with this account. Lucky he is still marrying me. LOL! These are both on my divorce agreement and I have not heard from any of them until now. Do they have the right to come back on me for these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: PA

Complaint narrative:
BB & T are holding transactions in order to charge overdraft fees. On XX/XX/XXXX I transferred {$30.00} from savings to checking. I withdrew these funds at a ATM on that same day. BB & T charged me {$72.00} in fees the next day. It appears that the transaction at the ATM was held until the next day which made the account be in the negative. On XX/XX/XXXX BB & T charged me {$72.00} in overdraft fees, however I had a positive balance on {$1900.00} on XX/XX/XXXX. I had transactions that came through the account between XX/XX/XXXX until XX/XX/XXXX in the total amount of XXXX which left a positive balance of {$36.00} on XX/XX/XXXX. On XX/XX/XXXX I received an overdraft fee of {$72.00} for two items that were posted to the account two days later after the transactions were made. On XX/XX/XXXX BB & T charged me {$140.00} in overdraft fees due to items being held after the transactions were made. At the time these transactions were made the funds were available. On XX/XX/XXXX BB & T charged a miscellaneous fee in the amount of {$12.00}, this was also charged on XX/XX/XXXX. The account is currently in the negative {$82.00} for holding a ATM transaction and I was told that until it is resolved I could be subjected to a {$8.00} daily fee for the account being overdrawn. ATM and debit transactions are being posted to the account days later to reflect the account being overdrawn although the funds were available at the time of the transactions.

Company response to consumer: Closed with explanation