vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
When I started XXXX School I was told the only way I could attend was to do it through private student loans. Federal loans were not even an option for me. The school office acted like it was so easy and that is the way most people get to go to school. I was never talked to about what I really was doing and about how I was going to pay it back. I believe the schools and student loan companies are in it together and all they care about is making money and nothing about the person that is taking on the loan. I picked a school that at first seemed like they were a great XXXX school but really all they wanted from me was my money. It was like they were trying to sell me a new car instead of help someone become a better member of society. Anyways my grandfather who is also my number one supporter signed away his life on my loans. In the end the school XXXX XXXX XXXX and failed me a semester away from graduating and said that maybe i was meant to be a stay at home mom instead of a nurse. After that my life went down hill and it continues to go down hill. My husband and I had to file for bankruptcy and now I have XXXX XXXX calling me multiple times a day and also calling and scaring the XXXX out of my elderly grandfather. They won't accept my payment of {$250.00} a month, they say thats not enough? They are rude when I speak with them on the phone and they are not wiling to help me out at all. I always thought a little bit of money would be better then none at all. I don't know what to do. I feel like there are no options. How can the world let this happen around us? These companies are just not only bullying students but they are bullying the cosigners as well. They need to be stopped! There needs to be more information given to students before they just sign a student loan. We need to get this under control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was looking at offers to switch banks and therefore open a new checking account for the first time in years if not a decade. I came across an offer from Chase that had a {$300.00} sign up bonus for a Total Checking Account when the requirements of direct deposits were met. I signed up for it and set everything up for direct deposit at work. However, I wanted to confirm with Chase the offer so I contact them to have it on writing and of course, Chase being Chase, they stated the offer was for {$200.00}. What bothers me is not the {$100.00} difference but the way this company acts. I'm trying to establish a new relationship with you, I'm signing up for a promotion you have, and then you do what you want? What kind of banking am I to expect? As a proof here 's the link to the offer, and I'll be attaching a PDF. 

https : //accounts.chase.comXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Quicksilver Capital One card has been suspended due to an address change that I submitted. They asked me to submit my social security card, proof of address, and license. I do not have my social security card and I sent them tax documents and the other requested items. I was told that was not sufficient, they needed the signed social security card to unlock my account. I am not going to send them the signed social security card. I have told them it was me who made the change and even provided evidence of the new address that matches the update in the system that is causing this problem. They pretty much told me too bad- and they wont even let me cash in my rewards points to bring my balance down. I rightfully earned those points and want to use them to lower my balance so I can then pay off the card and never deal with Capital One again. They should not be able to hold those funds that I earned - I have verified myself on the phone through multiple questions, provided documentation, and Capital One will not let me redeem them. I am not asking for cash - I am simply asking to use the rewards I earned to pay my balance down. This is unfair and they should not be able to hold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I was looking for a new renowned international bank with a presence in the US, since I travel a lot. I came across an offer from HSBC US for a Choice Checking account, which included a welcome offer of {$200.00} when activity was met. The nearest branch is about 15-20 minutes from my house so I decided to apply online. I can't describe how frustrating it has become dealing with this bank. After about 30-40 questions and a 30 minute application process, it states all applications need to be verified and somebody would contact me back in 48 hours. The days went by and I called, I was connected to an overseas call center and they explained me I had to wait some more. I asked to speak with a supervisor and I was told they have no supervisors. I waited some more and called again, I was told I need to contact each Credit Bureau and submit a copy of my credit report in writing to them. What the heck? Never in my life have I been asked to submit a credit report. They can do that themselves. Why in the world are we as a country allowing this bank to operate in our country? By the way, at the end of the last call, the person called XXXX told me : " I need you to hang up now sir, we're done here ''. 

Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: ID

Complaint narrative:
I made a cash deposit into my checking account on XX/XX/18 at XXXXXXXX XXXX PST. On XX/XX/18 at XXXX XXXX  PST I logged onto my account and see that this deposit has NOT been credited to my account. This has made my account go to a negative status AND I was unable to withdraw cash this morning at XXXX XXXX PST. 
This is UNACCEPTABLE. There is no excuse or reason for this other than the bank 's error. I called their headquarters when they opened at XXXX XXXX Mountain Time Zone, XXXXXXXX XXXX PST. They said there is nothing they can or will do and to go into my local branch when the bank opens at XXXX XXXX. I was going out of town this morning, leaving at XXXX XXXX, and have cancelled my plans due to this error. I have very little money and this has altered my plans and created undue stress for me. There is no valid reason for this to occur.

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 2018-07-06 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: Midwest Recovery Systems
State: MS

Complaint narrative:
XX/XX/XXXX Midwest Recovery Systems contacted me saying I owed a bad debt of {$770.00}. This is not my account and I have never used XXXX XXXX XXXX from which this original debt is reported. Midwest Recovery contacted me on XX/XX/XXXX to collect a debt from XXXX XXXXXXXX XXXX with the date of XX/XX/XXXX for the last activity on the account. I have contacted XXXX XXXX XXXX on XX/XX/XXXX to find out what account number and name they have associated with this account. They reported that they did not keep records of accounts after it goes to a third party collection agency. The fact that this was not ever reported on my credit report until XX/XX/XXXX and the fact that neither Midwest Recovery nor XXXX XXXXXXXX XXXX can give me an account number or an original loan amount seems very suspicious. With no information sent to me to collect a debt, Midwest Recovery placed this bad debt on my credit report. I have also looked at my entire bank records during the time mentioned and have found no payments to XXXX XXXXXXXX XXXX. I have read other reviews on this same Midwest Recovery Systems company and they all have similar stories. At the same time, I am trying to get a mortgage and this has negatively affected my credit score. The company hopes you will just pay the debt and forget about it. This is a scam and more severe action must be done to punish this company for their illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A.
State: DC

Complaint narrative:
I received a letter stating that I owed a debt and they sent me a copy of a request for garnishment. This debt does not exist. I informed them some time ago that this account is not a real debt. The letters stop coming for years until I received the garnishment request.

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 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I would like to file a formal complaint against Experian dba : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX TN, XXXX ( XXXX ) XXXX, for illegal data sharing and providing unknown third parties companies access to my complete credit file. 

Although I had opted out of data sharing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, without my knowledge or consent Experian provided a complete copy of my consumer report to a third party listed on the report as XXXX XXXX XXXXXXXX XXXX XXXX. 

On XX/XX/XXXX, I received a copy of consumer credit file number # XXXX, and noticed several unauthorized inquires on my file placed by XXXX XXXX XXXX XXXX XXXX 

I immediately contacted the credit bureau for an explanation. According to Experian even if the consumer opted out of data sharing they have the legal right under code ( 604 ) to share my data with XXXX XXXX XXXX XXXX XXXX, who obtained and forwarded copies of my consumer credit report on behalf of hundreds of medical providers. 

Experian could not or refused to disclose to the consumer what companies were provided copies of the consumer credit report personal data or contact information for XXXXXXXX XXXX XXXX XXXX XXXX. 

This action is a violation of privacy laws in addition, Experian had found a loop hole in the FCRA to blatantly distribute consumers data without their knowledge or consent. 

I want a full investigation into the egregious act and CFPB to enact or enforce laws that provides consumer protection from this abusive practice of data sharing without the consumer knowledge or consent and refusing to provided names of the companies or persons that now have my personal data in their possession.

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 2018-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dyck-O'Neal, Inc.
State: NY

Complaint narrative:
I settled with my mortgage company on the short sale of my home. An amount was agreed upon but no timeframe or monthly amount due was part of the agreement. Only that the debt will be paid in a reasonable time. Dyck Oneal purchased this debt and converted it into a monthly payment with a fixed term without my consent. If payment is considered late by them, a negative remark is placed on my credit report. Constant phone calls are made to my home and relatives asking when payment will be made. My credit is now damaged by this company and causing financial hardship.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GREAT WESTERN BANCORP, INC.
State: IA

Complaint narrative:
1. The XXXX XXXX XXXX closed my account without notifying me the decision. And they did this exactly on the day after I emailed them checking about my account opening bonus status.

2. I have completed both requirements for getting the bonus but they simply avoided it by closing my account.

3. They won't reopen my account via phone and didn't give any explanation for why the bonus was forfeited.

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 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have had my phone number since 2010. I have been getting collection calls From Fifth Third Bank I believe for a collection. They call every day almost and have been doing it for well over a year. I have asked two separate people that I have no clue who these women are and to stop calling but it just continues ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
My auto loan was sold to Santander in the amount of approx, $ 12k from XXXX on XX/XX/2018, which immediately dropped my credit score 35 points. It has never been reported by Santander to date. I have called multiple times, and spoken to several representatives who tell me that a XXXX will return my calls, but never do. They also tell me they are required by law to report this to my credit and that they report on the last day of the month. They did not report on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I was in the middle of purchasing a home when this happened and it hurt me significantly. They have done nothing to resolve this despite my many attempts of getting them to. They have refused to transfer me to their credit department an every call that I have made. Any assistance you can offer would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
Balance due from XXXX XXXX for {$37.00} went to collections Plus Four INC. They are attempting to collect {$47.00}. I have never received a bill from the original company nor a bill or calls from the collection company regarding this bill, so I am not even sure it is true. I do recall having the services performed, so I am willing to pay the {$37.00} owed. I contact Plus Four because I saw the mark on my credit app on my phone. I spoke first with XXXX and offered to pay the original amount. she said no. I asked to speak to a manager she put me on hold. I hung up and called back and spoke with XXXX. He indicated they would take the amount but would still have the remainder owed and on my credit. I asked to speak to a manager, he indicated it was such a small amount he didn't think his manager would want to bother. After placing me on hold he came back and said the manger said no. I reminded him that I wanted to speak with the manager, not him. He said he wasn't available and hung up on me. I called back and spoke to XXXX again asking to speak to the manager and he hung up again. I called again and spoke to XXXX. She indicated the manager was not there and would not be back until Monday. I asked for the manager 's name, she indicated it is XXXX. When I asked for his last name she refused to give it and also hung up on me. I now feel this bill is not mine and am not sure what I need to do. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XX/XX/XXXX, my debit card was compromised. Upon fraudulent activity, I canceled the card, before I received my new from XXXX XXXX, all my social security benefits were stolen. I'm XXXX and feel violated. I went on the Equifax impact site and learned my sensitive information was impacted. On XX/XX/XXXX, I was informed that I am on the XXXX data breach as well. My old email was breached and now I am at a lost for words. They even tried to change my home address. I became paranoid and afraid that someone knew my home address. My XXXX and XXXX was and still is unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: WA

Complaint narrative:
I am XXXX and XXXX, they called at XXXXXXXX XXXX while I was in the restroom. when I called them back they wanted a friend and called an old number I got from the phone pool when I got a number.. 

XXXX XXXX?????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been trying to use. The XXXX app that protects against overdraft fees, I received a notification that there was an error connecting to my back so I attempted to re log in and a message popped up on the screen saying my bank is blocking me from loging into my account. This happens everytime i try to connect my bank with anything even my other bank account XXXX. The bank I'm having this compilation with is capital one360 checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: PA

Complaint narrative:
I was contacted by Ameritech Financial via phone in XX/XX/XXXX. They claimed to be a company backed by the government to assist with persons who needed help paying their student loans. They stated that if I qualified their program would result in forgiveness of my debt by the United States government for my student loans. They asked me a series of questions that ultimately led to an approval to the program. My student loans are held by XXXX and Ameritech told me they would deal directly with XXXX for a foregiveness of my student loans and my payment would be XXXX dollars a month and would be paid to XXXX through Ameritech. I have been making automatic payments for twenty-eight months to the equivalent of {$2700.00}. I received a letter from the Federal Trade Commission dated XXXX, XXXX stating they have begun the process and have sued Ameritech Financial for deceptive practices. I contacted XXXX who told me they have not received any payments toward my student loans as of XXXX XXXX. As a result, I have to take steps to ensure Ameritech can no longer access my bank account and take back control of my student loans through my lender. This has cost me thousands of dollars in interest charges and 28 months of payments toward my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They call repeatedly about an old debt that is not owed. They threaten further action. Yell at me and make derogatory comments. Calling cell phone without permission. They end up hanging up when I try to tell them the debt is no longer valid.

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 2018-07-06 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: FL

Complaint narrative:
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.

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