vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I opened a checking account with M $ T bank and enrolled in a bonus promotion of {$250.00} when I meet the following requirement. 

Account Number : XXXX Open an M & T MyChoice Plus or Premium checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. Promo code : TL. 

I made a direct deposit on XX/XX/2018 and the bonus has not been posted yet. The XXXX XXXX XXXX customer care admitted that I met the requirements for the bonus. It is been almost 90 days and I have not received the bonus.

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 2019-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I financed a new XXXX XXXX XXXX through Ally in XX/XX/XXXX Payments did not begin until XX/XX/XXXX. I have included my personal bank account statement history to show all of the payments made to Ally. I have also included my online account through Ally showing the payments and dates the payments from my bank went through to Ally. Finally, I have also included the accounting statement from XXXX in the XXXX XXXX for Ally. It is quite apparent my payments have not been applied correctly and according to the Federal Accounting Standards. 
I have been consistently ahead on my payments, month after month, since XX/XX/XXXX. I had one late payment in XX/XX/XXXX but was still paid ahead. One can see how much I have paid ahead on the accounting summary in the Pmt Due ( payment due ) column. The problem in the accounting on my account occurs in XX/XX/XXXX. My Pmt Due was {$15.00} while the monthly scheduled payment was {$470.00}. This means by this time, paying over every month had put me ahead {$450.00} ( {$470.00} - {$15.00} ). I paid {$500.00} on XX/XX/XXXX, putting me ahead {$480.00} ( {$450.00} + ( {$500.00} - XXXX ) ) for the XX/XX/XXXX payment. Instead of making my payment due for XX/XX/XXXX {$0.00} and applying my {$500.00} payment made in XX/XX/XXXX, Ally added the {$15.00} I owed in XX/XX/XXXX to the XX/XX/XXXX payment making my payment due {$480.00} by XX/XX/XXXX. My {$480.00} disappeared. I lost my car to flooding during Hurricane Florence on XX/XX/XXXX. When I logged on to my Ally account to make sure my XX/XX/XXXX payment was covered, my account showed {$0.00} payment due. I knew I was ahead over a full month 's payment so I cancelled my online automatic payment and verified through my online account. I tried to log on to my account the end of XX/XX/XXXX to make sure my insurance payments were going through appropriately, but my account was closed. To this day, Ally insists I still owe them money. The last notice I received of payment due was XX/XX/XXXX for {$87.00}. Ally has been taking monthly scheduled payments out of my insurance settlement to continuously apply funds to finance charges even though my insurance company ( XXXX ) sent payment on XX/XX/XXXX ( I have attached the payment confirmation ). Ally owns my GAP insurance company, and the accounting statement somehow shows GAP was paid the day after my total-loss claim and over a month before my insurance settlement was paid. I have tried to communicate with XXXX who provided me the accounting document. He interrupts me, tries to give me bogus reasons for my account being wrong, and has hung up on me after me asking him to not interrupt me so I could explain my problem. I would really appreciate help with this situation.

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 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JH Portfolio Debt Equities, LLC
State: TN

Complaint narrative:
Calling me at my place of employment. I am afraid this will get me fired. I dont think this is a legal way to contact 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 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Cash Central of XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX phone XXXX, sent me a letter stating I owe a debit. I have never taken a " Payday Loan '' with Cash Central or any of its affiliates or companies. I have never taken a " Payday Loan '' from any company. 

To date I have sent Cash Central 3 letters via USPS Certified mail return receipt requested : XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 All asking for validation of the debit and asking specific questions to attempt to verify exactly who took out the loan and to correct this company in thinking I took out the loan. To date they have not responded to any of my letters asking for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) 60 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have submitted several disputes through all 3 credit bureaus-XXXX, XXXX  and XXXX. Navient is reporting my student loans ( 8 in total ) as 90 days past due for the XX/XX/2016 payment, but the XX/XX/2016 and XX/XX/2016 payments are both showing current or paid as agreed. The response from the investigation is verified. It is impossible to be current in one month and the next month be 90 days past due and Navient refuses to make the correction. This is impacting a total of 8 loans and has had a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
I inquired with the company about a debt on my credit report on XX/XX/2018. They responded to complaint with one set of papers trying to say the account for the rental property was mine, when at the time I lived in another state and was working a XXXX XXXX job for 18 years at the XXXX XXXX XXXX I was living in to show I also have proof that I did not get the rental. I asked the company to show me ID used they could not produce one. They have sent me 2 different sets of paperwork.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I received a call from XXXX on XX/XX/XXXX @ XXXX. They also called from XXXX on XX/XX/XXXX @ XXXX. I have asked them during both calls to stop calling but the calls persist, all from different # 's. I did tell them they are only allowed to send written mail, no phone calls. During the latest mentioned incident, she said they are allowed to call, despite me asking them not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am in the receipt of Bank of America Home Loan Regulatory complaints team letter dated XX/XX/2019 for complaint # XXXX that they didn't respond to online. I have an issue with them stating that they sent me correspondence on XX/XX/2019 even though I didn't receive anything from Bank of America until XX/XX/2019 in which I spoke to XXXX XXXX and he sent me an email so that I could send him all documents so that the bank actually process the paperwork since they didn't do it the first time when it was submitted in XX/XX/XXXX. I emailed him all the requested items on XX/XX/XXXX and Mr. XXXX requested even more stuff on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX all answered and sent as many times as requested. I was told the bank had all the paperwork it needed and was sent to the underwriter last week but still was asked for more documents on XX/XX/XXXX and I sent them right away. Bank of America is not treating me fairly or honestly with dealing with this loan. It will be time to sell this house on XX/XX/XXXX and they will still be asking for documents. If I don't qualify for modification then a short sale or other option should be made available and they need to approve a short sale amount. Bank of America is not dealing fairing with me due to the discharge of bankruptcy and the fact that this loan is FHA and insured by HUD so they don't lose as much as I will if we get put out. We will be homeless and the bank will have its cash flow. I want the bank to deal with me fairly and start responding to my request for help and stop saying I haven't sent in paperwork. I have given them everything they could need to do what they need to do and respond fairly.

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 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WINN LAW GROUP, APC
State: TX

Complaint narrative:
I received a XXXX credit card in XX/XX/XXXX. I was married and in XXXX  when the card was received. I went through a divorce in XX/XX/XXXX. I was notified XX/XX/XXXX that I owed {$3600.00} from a collection agency called Winn Law Group located in XXXX, XXXX. XXXX. I asked for documentation because I thought it had been paid off through the divorce. I have never received anything from this so called company. Now, seven years later, my bank account was levied {$74.00} on XX/XX/XXXX. I spoke with XXXX from the collection agency and she had little to no information. I have lived in XXXX  for three years now and apparently the agency has been supposedly sending paperwork to an address in XXXX, where I never received mail but owed and sold. I have committed time and effort into this and I can not find any supporting documentation for this. Also, they took money out of an account in a different last name than mine. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: GA

Complaint narrative:
Account - XXXX {$16000.00} XXXX  XXXX XXXX I filed an affidavit of Fraud along with a police report in XX/XX/2018 to Experian Credit Reporting Agency, the fraudulent information was removed and reinserted within 30 days. According to the credit law 611 the Fair Credit Reporting Act also requires the credit bureaus to inform consumers before the re-report a negative listing. Experian has violated my rights and I need resolution.

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 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I went to the Experian website to temporarily unfreeze my credit for a creditor. I completed the online form to do this, and had the correct pin number, which I kept when I initially froze my account during the Equifax breach. After each of my two attempts, I was informed that they were unable to process my request and to MAIL the following documents : copy of social security card current address previous address copy of drivers license copy of utility bill or some other bill w current mailing address Send all of this info to : Experian Security Freeze, po box , etc.

I find it ludicrous that a credit agency was instructing me to MAIL all of my identifying information, which could be easily stolen in the mail. I called their published number on their website for fraud issues. After entering all of my info, I was informed that they would not be able to process my unfreeze request and instructed to mail the same materials to same address. After calling their other published customer service lines, none of which I could get through ( dropped calls, numbers not working, etc ) I googled " how to reach a human at experian. '' I found a number online on a bloggers website with instructions on how to reach a human at experian. The number he provided was not found anywhere on Experian 's website. After being on hold for 20 minutes, I was connected with a person who was able to unfreeze my account. My complaint is that Experian does not provide adequate support for credit freeze/unfreeze.

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 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
I was employed by XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX. I was shocked when I saw a collections from them on my credit report six years later. Since they are a trucking company and not a lending institution, and since I was an employee, a XXXX XXXX XXXX, not a borrower, I filed a dispute with XXXX, who was able to remove the collections from my report. Then, XX/XX/XXXX the same collections shows up on my XXXX. After several disputes to no avail, on XX/XX/XXXX at XXXX, I contacted Lockhart Morris & Montgomery , the collections agent : they were very curt and simply concluded refuse to pay. On XX/XX/XXXX at XXXX, I contacted XXXX  only to find out that it was a ticket in OHIO that had come in after I had left the company ; as a company driver, all over-weight tickets and other fines are the responsibility of the employer ; I spoke with XXXX  collections personnel, XXXX , who could not figure out what the charge was for nor the code attached to it : " this kind of charge is usually from the Independent Contractor side. '' When informed that I was an employee, " Oh, why don't you call payroll and see what the code is for, then call me back. '' It is only after I spoke with payroll that I discovered the charge deriving from a fine in OHIO. Why I am supposed to be responsible for it? I don't know. Why seven years later? I don't know

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been following up with the credit bureaus regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX and never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely. I would like to hear back from the credit bureaus regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I made this personal loan with XXXX in GA, back in XXXX, this was sold to a collection company named CACH , LLC. The last time I made payments to this account was in XXXX, then I lost my job and tried to pay it off i. XXXX, but the company didn't want to settle for what i had then which was {$5000.00}, later on in XXXX i offered them {$6000.00} and yet again they didn't accept it. They now are reporting this account with a balance of over {$8000.00} and with an open date as of XX/XX/XXXX! I was unemployed from XXXX until the XXXX when I moved out from GA. They're violating the fair credit reporting act, as well as they're ruining my credit to say the least. I have never received an official letter from them with a validation of this debt or any other document with my signature on it, is not fair they can manipulate the system the way they do it to get away with their unfair practices to ruin people 's lives and just for what? To make a few bucks! I demand for them to stop reporting this account, and to fix my credit, to close it and erase it from my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
CAVALRY is attempting to collect on the judgment that is not mine. Judgment was filed back in 2010 and lined my property this is Not my account!!! I tried to dispute this with Cavalry, but they refuse to investigate or send me proof why they decided to lien my property for someone else 's debt ... Instead now they are harassing me for the payment..Now they started calling my work, even my ex and threatened to arrest me if I didn't pay the amount right away ... I attempted to contract the law firm who furnished the lien but they are NO longer in business or DO NOT exist as I was not able to find any business license under XXXX XXXX XXXX XXXX at all. this is fraud and should be stopped please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am dealing with an estate situation, the servicer is not working with third party authorized due to pending litigation.

There is no litigation, there is no attorney, they are holding our loan resolution hostage by not cooperating with our third party. the communication is lackluster, we are forced to deal with the banks attorney and its not easy, they don't get back to you fast. We have tried to get the file out of litigation, they can not provide us with an attorney name ... an attorney who is supposedly representing us, so that we can't even fire a fictitious attorney ... ... when we call directly they will not furnish us with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: IN

Complaint narrative:
While in forbearance and applying for a loan reduction, XXXX XXXX sent negative remarks to XXXX  for non payment of accumulated interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been following up with the credit bureaus regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX and never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely. I would like to hear back from the credit bureaus regarding this matter.

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 2019-01-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been following up with the credit bureaus regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX and never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely. I would like to hear back from the credit bureaus regarding this matter.

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 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: SQUARETWO FINANCIAL CORPORATION
State: OR

Complaint narrative:
constant sales pitches.and hangups

Company response to consumer: Untimely response