vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
Mercedes Benz Financial continues to make harassing phone calls to myself and my wife at home, mobile phones and now at our places of employment. They continue to tell us that we owe a " lease termination fee '' when this payment has been made already. MBF has enlisted a debt collection agency who now is also making calls to us. Again, the fee has been paid in full. 

What is MOST alarming and angering, is that MBF has now called us on our direct telephone lines at our places of employment. This personal contact information was NOT given to MBF at any time and their data trolling to retrieve this contact information is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I open 2 accounts with BB & T Bank recently. I have so many problems with my bank since I opened it. When I opened this bank, they blocked and told me to go to the bank to verify myself, which I did. I went to branch itself, take in my ids and passports in. A branch representative from the XXXX branch help me solved the issue. On Friday, I got a temporary debit card from the branch and was using it. The same weekend, I transferred {$500.00} from my XXXX bank to my bb & t checking account. This morning, my husband transfer {$100.00} from XXXX XXXX XXXX and {$100.00} and {$80.00} from XXXX XXXX to my account. I tried to used my temporary card with XXXX XXXX  to send money to a friend of {$500.00}, but it reject it and I call the fraud the department, a lady told me to try again in 5 mins. I tried to use the card again after 5 mins, it declines again. So, I went online to my bb & t checking to do a XXXX transaction. Its didnt go through. That is when I call bb & t XXXX to see what going on. The rep told me they blocked my account again and she will have transferred me. So, I call the bb & t fraud take over department. So, to a rep name XXXX from the tier 3 level rep. He told me they closed the account and that bb & t does not want to do business with me. I told him what happened. He did not want to listen to me, he was so rude, and I asked to speak to another person above him. He said there was no body. I was so mad, he also told me I will not get my own money the {$1100.00} that I deposited. And they will send me a letter in the mail to tell me what to do. I kindly asked if I am going to get my money back. He does, maybe not. Well this is where I am extremely XXXX XXXX, first of all, it my money and not bb & t bank. If I dont get my money, I will be filing a police report representative XXXX tier 3 level rep. Bb & t has giving me XXXX ever since I opened this account. No other bank has giving me this money of problem. So I need my money, I need for bb & t bank to let me withdrawal my money from the bank. I need to speak to somebody, Date : XX/XX/2020 Amount : XXXX Note : I have receive letter from the bb & t fraud management department and call the department, XXXX told me I will not get my money, because I was doing back to back XXXX transactions. But it my money, unless you have written conditions that tells me why I should not XXXX back to back. Please refund my money. I dont know why it only poor people that you will hold there money, but rich people. You give them back there money. I need my 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 explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
After i paid this debt, i called the company to ask that the payment cleared and when the mark would be removed. she mentioned that they dont do this, i mentioned that i have it in written documentation and couldn't respond to the issue. 

i have attached a copy of the email communication i received from the company indicating deletion of the mark in response of payment

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 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I had spoke to XXXX on XX/XX/XXXX regarding overdraft protection fees. Wells Fargo had transferred {$25.00} from my checking account to my savings account the same exact day that I had two XXXX transactions pull from my account. I was told from XXXX that she was going to take care of both {$12.00} fees and that I wouldn't have to call back. I was also told that same day from the person before her that I will have {$27.00} in my savings account. Since then, I now have an overdraft protection fee - {$12.00}, state sales tax - {$0.00}, and an overdraft fee - {$35.00} attached to my account. A representative had asked me if I wanted the bank to decline any future transactions and I had told them yes. I now have 2 new  transactions that are pending which will also have overdraft fees attached in the future - {$35.00} x 2. I was transferred to an " executive '' department and was issued a case number : XXXX on XX/XX/XXXX. I was told a case manager would be assessed to my case within two business days. We're now on the third business day and still haven't heard from anybody. I spoke to someone this morning, XX/XX/XXXX, and was advised that it only takes two business days, but then that statement was retracted. He also advised that I blamed the bank with the word " illegally '' in my statement, which is untrue.

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 2020-02-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I opened a dispute with EXPERIAN on around XX/XX/XXXX in regards to some late payments on my student loans back in XXXX. On XX/XX/XXXX, I received an email from EXPERIAN stating my dispute was complete. When i try reviewing my dispute final desicion on their website it gives no information on what was the update on the dispute. On XX/XX/XXXX, I call EXPERIAN directely to get an answer and all they said was for me to contact XXXX. If experian would have done their job and contacted XXXX like they were supposed to do, they would of found out that I was never late on XX/XX/XXXX ; I was on a FORBEARANCE at the time in question. Also, EXPERIAN is reporting incorrect information on my EXPERIAN report. They are stating that on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX my account was ON-TIME and than on XX/XX/XXXX my account was 90 days LATE. Which makes absolutely no sence as how can i be 90 days late in XX/XX/XXXX and be on time on XXXX, XXXX & XX/XX/XXXX. Enclosed, please find my account statement from XXXX were it very clearly states I WAS ON A FORBEARANCE meaning I couldn't be late in XXXX, nor XXXX nor XX/XX/XXXX like EXPERIAN report is stating. I will like my report to be updated immediately reflecting correct account information.

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 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
When making a reservation with Marriott, I was offered a promotion of a {$250.00} statement credit if I applied for a Marriott XXXX  credit card and spent {$2000.00} on that card in the next 3 months. I did this when I made the reservation in XX/XX/2019 for a reservation at XXXX XXXX, NC in XX/XX/2019. I made the required purchases of over {$2000.00} during XXXX and XX/XX/2019. They said it could take up to 8 weeks to see the credit. When I never received the {$250.00} credit on my card, I called and asked why. They told me they instead gave me XXXX loyalty points. I told them that I wanted the credit not the points. They denied me that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
This is not mine. I want it removed please

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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Instrument # XXXX Sold to XXXX XXXX XXXX see attached letter SunTrust Mortgage NOT the servicer, NOT the loan holder, NO NOTE. 
Loan # XXXX After the sale and transfer of the mortgage and Note XX/XX/2006. 
A Lien Release should have been filed by LAW, with the clerk of court 15 Years ago.

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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare has reported my XX/XX/XXXX as late. My payment of {$2700.00} was sent through my online banking and cleared my checking account on XX/XX/XXXX. Somehow LoanCare could not locate my account and apply my mortgage payment. Loancare held on to my payment and didn't return it back to my bank until XX/XX/XXXX. 

As soon as my bank notified me on XX/XX/XXXX, I took care of the mortgage payment. When I saw that this impacting both our credit scores, I wrote a letter to LoanCare on XX/XX/XXXX. I have yet to receive a response on this error. 

Why do we have to be penalized when we sent payment on time, LoanCare held on to the payment ALL month and by the time they sent it back to my bank pn XX/XX/XXXX it was already more than 30 days late!

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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/2019, I XXXX XXXX was affected by the Government shutdown, I was laid off for a couple of weeks and at that time OCWEN MORTGAGE SERVICE, Was my mortgages company. They Requested that I fill out the application, for a loan modification. XX/XX/2019 in the same month, I apply for the loan modification my loan was transferred to PHH Mortgages service. Which is owned by OCWEN. PHH Mortgages service is debt collector company.I was told by OCWEN,,, NOT ... To make a payment, Until, they tell me. In XX/XX/2019. I was informed my loan modification was ... DENIED ... By PHH Mortgages Service. Once I was denied my loan modification, PHH Mortgages, They wanted all 7 payments at one time, For I can be CURRENT. On my mortgage.I explain to  my Account Relationship manager : XXXX XXXX. I didn't have the money .I send in 1 payment .after that, That's, when Threatening started .About Foreclosure started.

With the help of, FAMILY & FRIENDS we RAISE $ XXXX.Now I'M CURRENT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I had an account with American Express that went to collections with XXXX XXXX, and around XXXX I entered into a negotiated payment plan with XXXX XXXX to pay the balance plus interest in full on the account, at a rate of {$300.00} every two weeks. This payment plan just completed in XXXX, but AMEX then promptly reported the account as charged off to XXXX ( they had previously reported it as charged off to XXXX and XXXX XXXX in XXXX, despite my consistent compliance with the payment plan ). I disputed the charge off with the credit reporting agencies, but they would only allow me to add a personal statement, they would not correct the information without AMEX consent. I called AMEX, and the representative on the phone stated that AMEX would not remove the charge off from my credit reports, and would not change the status of the account, even after all payments had been made. They told me I would have to wait for the seven year period for it to fall off my credit report. This is not right, as I have paid this account in full, plus interest, with no settlement or reduction in the amount repaid. AMEX had no justification to charge off my account ( declaring it " uncollectible '' ) then they were in the process of receiving payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing a new complaint against Bank of America in response to my initial complaint ID XXXX which I feel was not researched adequately, which in turn, did not address the issue at hand. 

This complaint is in response to the letter dated XX/XX/XXXX sent to me from Bank of America. 
It states " Please call us as soon as possible to see if we can help you with your home equity account at XXXX, Monday through Thursday, XXXX XXXX to XXXX XXXX and Friday, XXXX XXXX to XXXX XXXX   Eastern. 

We noticed you're behind on your mortgage payments and realize you might be having a difficult time. We understand these things can happen and want you to know about ways we may be able to help. 
We can provide free help with your home equity account so call us right away. Waiting could affect your ability to take advantage of any of the programs you may be eligible for. '' The letter also states " This is a legally required notice. We are sending this notice to you because you are behind on your mortgage payment. We want to notify you of possible ways to avoid losing your home. we have a right to begin forclosure proceedings based on the terms of your mortgage contract. 

Please read this letter carefully. '' This letter is just another attempt at ignoring my previous complaints which are documented as far back as XX/XX/XXXX, with the Consumer Financial Protection Bureau XXXX CFPB XXXX. 

The original and subsequent complaints are as follows : XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX Within these complaints I explained the various facts that show that Bank of America made numerous mistakes in an attempt to cover up their wrong doings. 

I advised Bank of America that in no way this loan was to have used my home as collateral. 
If Bank of America continues to consider this matter closed and attempts to proceed to forclose rather than admit to their wrong doings, we will leave it for the courts to decide! 

Bank of America has failed to examine the documents thoroughly! Had Bank of America done so they would have recognized their errors and came to a different conclusion. 

I strongly suggest that the Bank of America Home Retention CRM take a close look at the whole of my complaints which were sent to the ( CFPB ). 

This letter was not assigned a Customer Relationship Manager ( CRM )

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 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Acima responded back to my dispute with the CFPB, but clearly is violating my rights and the FCRA Laws. They stated I was charge off as of XX/XX/XXXX due to late payments. If you clearly see here on my records with XXXX it shows the 100 % truth that this company is lying and not following the laws. Also I have proof of other records that will be attached showing that on XX/XX/XXXX I was offered several options for this account as a settlement. So on XX/XX/XXXX I accepted the offer " DONATION '' option that was given to me by a representative of that company as proof shows attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OZK
State: FL

Complaint narrative:
I have an RV loan with Bank OZK. I recently realize that of the {$200.00} a week extra principle payments that I have been submitting, about half of them have been posted wrong thus making the current payoff higher than it should be. The only way you notice the incorrect postings is that when done correctly you see the difference in past balance and current balance is {$300.00} less. When posted incorrectly the balance only drops about {$120.00}. This over time keeps the balance higher and the payoff of the loan takes much longer. 

Bank OZK says they will only go back and adjust the figures for one year. If they have made errors as a legal banking institution it would seem they have a legal obligation to make it right. I'm being told that it was my responsibility to catch the error. In other words from OZK. " let 's see how long we can get by with doing this and if we get caught we will make a few adjustments to act like we are trying to help '' I'm guessing they have a legal obligation to do correct accounting for all of their customers and not simply see what they can get away with prior to getting caught. 

There are other complaints online for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America has XXXX listed on their website for customer to transfer funds, but they did not say it is not protected for fraud transaction or scam. I trusted BOA, so I trusted XXXX. I tried buying a ticket for my son online, after sending money {$65.00} by XXXX with BOA, the seller disappeared, I never got the ticket or refund in the past 2.5 weeks, reported to BOA, no response. 

BOA 's online information is not accurate, which is misleading, BOA should state that XXXX funds transfer is not protected, should only happen with family and friends. So BOA should be partially responsible for this 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 2020-02-10 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Further to complaint XXXX. I went to pay the one Chase card ( Chase Ink ) off in full today which Chase granted a few months ago only to find the account had been closed without my consent. I can see pervasive accounts like this online and suspect they consider me a high risk customer based on reports online. However, I have a 20 year history with the bank/credit cards and have been failed to pay off a card before the due date in the same month, had an overdraft or any negative interaction with the bank. I even tried when I got the card to set up a direct debit to pay the card off in full but was told this couldn't be done over the phone and instead could only be done via registering online via a separate system which I didn't want do. I paid the account off in full last month. 

I'm very upset by this but more so because I have a {$500.00} rewards on the card in addition to cash back of {$90.00} which I was told today that Chase wouldn't honour. I have also read reports of Chase closing bank accounts down alongside the credit cards which is very disturbing. 

Clearly there definition of an at risk customer is wrong as I couldn't be a more stable customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a remittance to my brother in-law in the XXXX in the amount of {$410.00} via World Remit. The following day, WorldRemit sent me a note that the transaction was already completed. When I verified with my brother-in-law, he said that when he went to the WorldRemits partner to get the remittance, he was informed that the money was already taken by another person. My brother-in-law was shocked and interrogated the WorldRemit partner and found out the WorldRemits partner failed to check the other persons ID, signature and improper full name. 

When I reported this problem to WorldRemit management, they assured me that they will investigate their partner and resolve the problem right away. So almost everyday I called remit on status and they responded that they were still investigating. Days passed since XX/XX/2020 todate, XX/XX/XXXX, there was no resolution of WorldRemit promise. I have spoken already to approximately 25 WorldRemit management and still no resolution. Hence this request for CFPB help by myself.

Company response to consumer: Closed with explanation