vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX my husband and I were in an auto accident and my XXXX XXXX XXXX, which was financed by Ally, was totaled. Although I bought a new vehicle about 3 weeks later, I paid my XX/XX/XXXX payment on my totaled car because my insurance company and the gap insurance company were still settling. In the middle of XXXX, I called the Total loss department at Ally and asked for a breakdown of what was being paid. I was given the payoff amount of my car, the total amount my insurance company and the gap insurance company were paying and the amount of credits for the refund of the gap insurance premium. It all totaled to XXXX. Three months went by and out of the blue I get a letter from Ally saying that I owed them {$1400.00}. I have called them 6 times asking for an itemization of why I owed this amount and why it took them 3 months after all the insurance companies paid to let me know I still owed money. They keep telling me they will escalate my issue to a supervisor and have them call me back. I had a supervisor call me back one time and she said that she was escalating it to upper management. No one is calling me back and explaining why I was told I had a XXXX balance in XX/XX/XXXXand then 3 months later I owe them money. I had gap insurance, I was told I had a XXXX balance in XX/XX/XXXX. Why do they keep ignoring 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 2018-05-31 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My account with synchrony bank was paid by settlement in XX/XX/2017. The account is still being reported with a balance owed of {$610.00}. I have reached out multiple times to have this corrected and still has not been.

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 2018-05-31 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: EQUIFAX, INC.
State: PR

Complaint narrative:
In XX/XX/XXXX, exactly at the same time over 5 hard inquiries appeared on my Equifax Credit Report which clearly did not belong to me. I called Equifax locally and spoke to someone, I placed a dispute in their website and called the national phone line. All of these I tried more than once without success. XXXX XXXX and XXXX  did not reflect this problem. This difference causes a 100 point difference between Equifax and the other bureaus. In the beginning of XX/XX/XXXX I was forced to buy a new car when my older car was damaged in a parking place while I was not in the car. Due to Equifax, I was forced to buy at a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Re : BMO Harris Bank. I originally had a HELOC line of credit on my condo in XXXX, IL. That property was sold in XX/XX/XXXX and the balance on the HELOC was {$0.00}. The HELOC was never closed by BMO Harris but they did encourage me to use the HELOC after the property closed. I utilized some of that money. The open line of credit was {$95000.00}, I utilized approximately {$65000.00} and paid down that amount. I needed extra time to pay it off, wrote a letter to XXXX XXXX, the CEO of BMO Harris and never received a reply. They submitted my account as delinquent, as there was NO ASSET, no longer any real estate to tie the HELOC to. I continued to pay down the {$65000.00} amount every month. After years of my making monthly past due payments, there was still a balance due of {$9300.00} which was written off by BMO Harris in XX/XX/XXXX. BMO Harris continues to show on my credit report that {$47000.00} was written off which is TOTALLY NOT CORRECT. The total amount written off is {$9300.00}. PLEASE CORRECT.

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 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
I paid the amount owed and they refuse to remove it from my credit report. The debt still shows outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: MI

Complaint narrative:
They call multiple times a day, every day. I don't know what they are trying to collect other than it says XXXX XXXX XXXX. I lost my job in XX/XX/XXXX and in the process of obtaining a new one. The calls are are annoying, repetitive, and flood my voicemail.I am also registered on the Do Not Call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
The company continues to take money out of my escrow and paying same person more than once putting my escrow in the rears and then they increase my mortgage payments. Also they have not sent me a monthly statement in 6 years. XX/XX/XXXX the pulled insurance payment out 2 times and each time was {$3500.00}. I wrote a letter with my concerns and also called and spoke with them and they were going to correct the issue. In hindsight they failed to do so and then again in XX/XX/XXXX same senerio but with property taxes and again they have no clue but are wanting me to pay for there mistakes. My house payment has went from {$1200.00} to {$1700.00} in 8 months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMW Financial Services NA, LLC
State: PR

Complaint narrative:
On XX/XX/2019 I received two major inquiries in my credit file from Bmw Financial Services and XXXXXXXX XXXX. I never authorized or approved to them to check my credit file. I currently have a joint account were I am a co-debtor. The main debtor of the account was checking to open a new loan and removing me from the transaction, but, for some reason the car dealer and financial institution check my credit file when I have nothing to do with the transaction. 

I never authorized anybody neither verbally nor written to make the credit inquiry. Both inquiries has impacted heavily my credit score and I am very worry of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have been receiving countless phone calls from Portfolio Recovery about a debt collection for years. They call from different numbers every time, from all over the country. The most recent have been showing up on my caller ID as being from XXXX, XXXX, and XXXX. I have reached out to them multiple times by mail to attempt to verify the debt but they have never responded. The Collections account on my credit report is showing the original creditor as XXXX XXXX, but there is no delinquent account with XXXX XXXX on any of my credit reports to verify this account. I have never received any written communication in the mail from them to submit as a part of this complaint, they have only ever contacted me by phone, and they have never addressed my request for debt validation. When they call they tell me they are attempted to collect a debt and are asking for payment. I attempted to dispute this account with credit bureaus only for it to show " Dispute resolved ; customer disagrees '' and " Consumer disputes after resolution. '' I don't have any documentation from the original account they are alleging that I owe for. In addition to the countless phone calls, I get calls late at night ( past XXXX ), on weekends, even on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank
State: FL

Complaint narrative:
Synovus Bank XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX The bank put a {$760000.00} mortgage on property that I own without my knowledge. I never signed any documents to grant them permission to place a mortgage on my property. The property address is XXXX XXXX XXXX XXXX Florida XXXX. The loan is in XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have all of the supporting documents and can forward when needed. You can view the XXXX XXXX Florida Property Appraisers Office ( XXXXt ) owner XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Sallie Mae/Navient consistently urged me to defer my loans for years, from XX/XX/XXXX-XX/XX/XXXX. They would call me at work and I would be rushed through the process of deferment and/or forebearance without any real description of what this meant. I've been locked into a criminal interest rate of 7.25 % for years. I've been repaying my loan on an IBR plan for at least 6 years now, paying back over {$12000.00}, yet my total debt keeps increasing - it's jumped from {$32000.00} to {$52000.00} and continues to rise, despite my monthly payments. It causes incredible amounts of stress in my life and is depressing. Feeling hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank XXXX XX/XX/XXXX. A deposit and withdrawal were processed at XXXX XXXX  their cut off time. An ACH was going to be processed by the XXXX. I wanted to close the account but until all ACH transaction had been taking care off, I could not close the account. So I deposited the amount of money on the XXXX at XXXXXXXX XXXX, to cover for that pending ACH. the next day on XX/XX/XXXX, the statement shows a {$36.00} overdraft fee that had put the account on balance by exactly the overdraft amount - {$36.00}. Remember, I wanted to close that account so I made sure the balance was going to be XXXX by the end of the XXXX. I contacted Customer Service the next day ( XXXX ), despite that bank statement says exactly this : 1-Deposit Processed on XX/XX/XXXX XXXX Withdrawal on XX/XX/XXXX balance {$0.00} 3-Overdraft fee on XX/XX/XXXX - {$36.00} Customer service said that they could not reverse the fee transaction cause the money was not available to cover for the ACH, though they both were posted and cleared on XX/XX/XXXX at the bank cut off time of XXXXXXXX XXXX. 
I consider this is an abusive practice, they know I wanted to close the account due to I moved to a state that they don't have branches to bank with, and they insisted that I can not close the account now till I pay the overdraft fee, that I was not supposed to be charged with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I previously filed a complaint against American Express with the Consumer Finance Protection Bureau for this matter and that complaint number is XXXX. The original issue remains in that I was promised a referral bonus if the person I referred was approved for a new credit card, in this case the XXXX XXXX XXXX XXXX XXXX. The original details of the issue are documented in complain XXXX and a copy of that complaint is attached to this complaint for reference. 

The reason for this second complaint is that American Express responded to the original complaint and stated that they deposited the XXXX XXXX points for the referral bonus. They did not. I verified with XXXX that American Express did not deposit the XXXX points at or around the date they said they did, and also confirmed with XXXX that at no time during 2018 did American Express deposit any XXXX points into my account. 

Therefore, American Express negligently claimed it had resolved the problem when in fact it did not. 

I am requesting again that American Express deposit the XXXX XXXX points that it owes me for the successful referral I made to their benefit and now I am asking for an additional XXXX XXXX points because of the several hours of time it has taken to document this issue and communicate with American Express, XXXX, and the Consumer Finance Protection Bureau regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2018, I deposited a cashier 's check from a local bank into my personal checking account at Bank of America via the ATM. I usually go into the branch, but was in a hurry and used the ATM to deposit my check - big mistake! Without giving me warning or the option to cancel the transaction, the bank placed a 12 day hold on the check! The hold was printed out on the receipt from the ATM. The funds were not available until XX/XX/2018. Again, this was a cashier 's check from a local bank, not a personal or foreign item. 

I went into the branch and called the XXXX number, but no one was able release the hold since it was done by the ATM. They did say if the check was collected sooner, the hold would be released - which is the law. So I waited several days and called again to see if the funds were collected. They were not. After a few more days it still wasn't released so I called the bank that issued the cashiers check to see if it cleared. They said it was still outstanding, Bank of America apparently didn't even attempt to collect the check until XX/XX/XXXX when the hold expired. 

So to anyone reading this, be very careful making deposits at Bank of America. Be very careful in general when dealing with them!!

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 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: MO

Complaint narrative:
I keep receiving calls stating that I have a case filed against me by a company that says they are arbitrators and are a nutral party. They called and provided the last four of social. They provided a fictious case number XXXX stating that I need to be present at an old address between XXXX and XXXX XXXX  every day to be servied papers. This was settled in bankruptsy approximately 9 years ago. I am advised to call XXXX and advised to give personal information which I will not do. They keep saying that I have a claim filed against me. Which I know I do not. Case number have letters or the county in them as to where the court case is being handled. These indentifying numbers are never provided in their fake case number.

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 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
XXXX is our mortgage company. We realized that a 2nd hazard insurance was added to our policy without our authorization and we had been over charged {$200.00} for the last 2 months to apply to this 2nd insurance. After several calls the company finally removed the 2nd insurance but they are still overcharging us on our monthly payment and will not reimburse us for the overcharge the last two months. I have called and spoke to a representative on XX/XX/XXXX and XX/XX/XXXX, and had correspondence by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have told the company that this is looking fraudulent on their end and that I would contact federal regulators but they did not respond with action on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.

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 2018-05-31 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: NY

Complaint narrative:
I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point. 

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Response Letter : XX/XX/XXXX, XXXX CFPB File # XXXX In with regards to your response to your letter on XX/XX/XXXX I did not apply or fill out any credit application XX/XX/XXXX for no loan with no XXXX threw no Capital One. I Financed a car in XXXX XXXX and made my first payment in XX/XX/XXXX for {$570.00} so how is it I have credit ran on XX/XX/XXXX & XX/XX/XXXX Because I did not authorize nor apply or give permission to Capital One to obtain or run credit. XXXX on XX/XX/XXXX I was renting a car so how does Capital One send me a letter as if I was or buying a car from XXXX. Capital One needs to provide documentation of such with my signature as well as the credit application with my signature as proof. 
Only time I applied for credit was in the moth of XX/XX/XXXX to XXXX of the XXXX XXXX and when I applied I instructed to only run the credit to Capital one Bank & XXXX XXXX  & The GM suggested to me I could Finance threw XXXX if I wanted to and no other credit was ran. I change my mind and did not want the car and decided to wait. XX/XX/XXXX no credit applied for to no Capital One Then Capital One has XX/XX/XXXX so why was credit ran on XX/XX/XXXX and I just got approved in XXXX and took a loan out threw Capital One and made my first payment to Capital One in XX/XX/XXXX so why was Capital One running credit on XX/XX/XXXX with out my permission and I did not apply for no credit by no one until XX/XX/XXXX I see fraud committed and unless there is documented proof of such transaction with my signature documented its fraud on Capital One because I see that my self. I don't want to here nothing from Capital One in words unless documented proof is provided and documents to support there claim as if I applied for credit on those days stated by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I had car XXXX XXXX XXXX with them I had the car accident in it the car someone hit me the gap insurance an d their insurance paid the rest and they want remove it off my credit Exeter fianc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation