vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX there was a transaction of {$75.00} which there was enough money to cover the amount. I have been charged an exorbitant amount of overdraft fees. I can't seem to reason with PNC. This account has been extremely problematic. They go out of their way to charge extra fees. I feel that this is predatory activity. The bank is basing the insane amount overdraft fees on the wrong transaction and did not provide a reasonable amount of time to resolve it. This seems impossible to bring current they are now charging even more fees. It's a bottomless pit and I need help. This is ruining my business. I have tried so many times to reason with the bank. They have been extremely rude and unwilling to help. They have also promised call backs which I have yet to receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2017 I received a letter from XXXX  ( see attached ) that my store credit card was to be closed due to " observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. '' I immediately called the customer service number provided, but an answer to my question could not be provided, XXXX XXXX customer service said I had excellent credit history with them, and that I should contact Capital One. I have never opened a Capital One card, so when I called Capital One, they could not provide me with any answers either. I've checked all XXXX credit reporting agencies, and none list a Capital One account in my name. A few years ago I believe an ex-boyfriend opened a Capital One XXXX card in my name WITHOUT my permission and may have used that card illegally. I have tried to contact Capital One regarding this ( see attached letter ), however I have not received any contact or resolution from Capital One regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
My Suv was stolen in XX/XX/XXXX. the auto insurance company paid the amount due for the XXXX SUV in XX/XX/XXXX, which left a {$4000.00} balance ( I don't know why ) but I contacted the loan company Consumer Portfolio service and they explained that I did not have gap insurance. I told them that they never offered me gap insurance and they said that the auto insurance company should have offered it. ( I called the auto insurance company and the said that Consumer Portfolio Services ( CPS ) should have offered it ). So I am stuck with this {$4000.00} balance. I call CPS in XXXX and they agreed to let me pay {$100.00} a month and I could pay more when I could. I started to see my credit score that was almost 700 decline. I could not figure it out I looked at my credit report in XXXX and CPS had been reporting me late but I wasn't the amount was scheduled to be deducted from my account every month and I paid ( I have proof ). Every month I was reported late my credit score plumbed to 500 credit score I could not believe it. I talked to several departments, finally, the finance department told me to " forget the payment plan you should still be paying the car note which was XXXX. '' I was sick this company asks in bad faith.. I finally paid off the balance and they are still reporting me late on my credit. Please help me with this company I follow the payment plan. I want those negative marks reported from XXXX until now. I work really hard on my credit and CPS told me to go get a new car they would finance it. I would never after they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I have been making payments to Huntington Bank for a settled line of credit. I have never missed a payment. It has been over 4 years. This has now gone into XXXX XXXX and they are claiming they aren't receiving payments. The treasury department is now handling collections for this debt. However, Huntington Bank keeps accepting payments. 

This has now dropped my credit score from XXXX to XXXX and I am now in the process of getting a mortgage. I can not get mortgage with a XXXX score. 

I call Huntington Bank and they forward me to the Treasury department and Treasury department refers me back to Huntington. Nobody will straighten out their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are 3 incorrect addresses on my credit report.

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 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a co-executor for a relative 's estate. The Estate has maintained, and continues to carry, substantial deposit balances with Peoples United Bank. On XX/XX/XXXX, I sent an email to the bankers who handle my account to transfer {$130000.00} from the Estate savings account to the Estate checking account to cover several tax payments, including a {$110000.00} tax payment that would be auto debited from the account by the IRS on or about XX/XX/XXXX. For some reason, the bankers decided to make the transfer on XX/XX/XXXX, four days after my instructions, and two days after the IRS attempted to debit the account for the payment due, which was rejected for insufficient funds. I have made repeated requests to my bankers for an explanation, and none has been forthcoming. The IRS has sent a letter seeking penalty fee and interest on the rejected payment, and I have forwarded that to Peoples stating it is the bank 's error and they need to correct it. Again no response. Curiously, they have tacitly admitted their error by crediting back the {$37.00} overdraft fee that was initially charged. The incompetence and arrogance is frankly breathtaking. I can only imagine how they treat smaller account holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 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: Community Cash Management Corp.
State: ME

Complaint narrative:
After sending written notice twice and filing a complaint here, I received an e mail from the company assuring me my number was removed from the database, but still getting more calls. 

My previous complaint.. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Communication tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Senex Services Corp.
State: VA

Complaint narrative:
This XXXX debt is not legitimate. It is for a charge that was taken care of by my old insurance. I have repeatedly asked for documentation but the hospital closed a couple of years ago and they will not give me any documentation. They continuously call my sister harassing her about this supposed debt that Im not responsible for!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: MD

Complaint narrative:
Hello, 1 ) On XX/XX/2018, I gave written notice to XXXX XXXX XXXX in XXXX, MD to immediately cancel my membership with the club. In XXXX, I began getting contacted on an almost daily basis by XXXX XXXX XXXX saying that my {$81.00} membership fee for XXXX was past due. I contacted XXXX XXXX XXXX in XXXX and was told that even though I cancelled my membership in XXXX, I still owed the {$81.00} membership fee for XXXX because of a 10-day notice clause they said existed in the contract. 

2 ) On XX/XX/2018, I mailed an {$81.00} check ( # XXXX from my XXXX XXXX XXXX account ) to XXXX XXXX and included the billing notice they had mailed me about the membership fee. I also noted that I had cancelled my membership in XXXX and stated this was the final payment for my cancelled membership as paying the XXXX satisfied the alleged 10-day cancellation clause. 

3 ) This check was cashed by XXXX XXXX on XX/XX/2018, with the following notation stamped on the back of the check : XX/XX/2018 - XXXX - XXXX For Deposit Only XXXX XXXX XXXX 4 ) After the XX/XX/2018, cashing of the check by XXXX XXXX I responded to yet another mailed billing statement from XXXX XXXX with a notation that I have already paid the {$81.00} bill and the check had been cashed. 

5 ) However, XXXX XXXX continues to call me with recorded messages on my cell phone and home phone and continues to mail written billing statements on behalf of XXXX XXXX to my house demanding that I pay the original {$81.00} bill. 

I would be happy to provide you with copies of the check payment of {$81.00}, a copy of the cashed check with the deposit information for XXXX XXXX, and copies of the continued billing statements they send me. 

Thank you for whatever assistance you can provide to put a halt to this continued harassment at my home by XXXX XXXX and XXXX XXXX XXXX. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: LoanCare, LLC
State: CA

Complaint narrative:
I am writing in dispute to the payment history reported from XX/XX/2017 through XX/XX/2017. During XX/XX/2017, XX/XX/2017, and XX/XX/2017. I paid as agreed per a Trial Payment Plan ( TPP ), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies ( i.e. XXXX XXXX, and XXXX ). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by LoanCare. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. 
I have a copy of the TPP that I signed and that was approved by Loancare, with highlighted statements. On page 2, bullet 7, it states Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP. On page 2, the 3rd bold section under Additional Trial Payment Plan Information and Legal Notices state, Your current loan documents remain in effect ; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents. ( I also have monthly statements from XX/XX/2017 showing the dates these payments were received. ) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different LoanCare representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with LoanCare. The TPP document clearly states that I may make these partial payments ; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.

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 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I had a friend who made a payment towards my card with Wells Fargo. He later on pulled the payment back. I had used my card for utility bills which put my card over its limit. I had spoken to people in a local branch, over the phone and via email regarding setting up payments so I could pay it down. I even spoke to the fraud department. They had said I am unable to set up payment arrangements due to it being a secured card. I was not disputing the charges just trying to get it paid down. Wells Fargo closed my account saying there was no contact although I emailed weekly and had been making payments weekly- biweekly to get it down. After Wells Fargo closed my credit card they forced an automatic payment of {$850.00} from my checking account XXXX  times I closed all my accounts. This all happened in XX/XX/2018 and they have a {$1500.00} deposit that they have yet to release to me or put towards my card. I am still in contact with Wells Fargo also know as scam artists to the every day consumer and nothing has been corrected.

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 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX Office of the Attorney General put a levy on my checking account on XX/XX/18 without any notice, I called and spoke to them and they verified that it was done by mistake and sent a release by fax to Bank of America. This has left me with XXXX money for food or gas for 2 days now and they are saying it can take an additional 5 days. Bank of America and Child support did not offer any help, they simply did not care that this can hold my funds and my incoming direct deposit. On top of the Levy I am getting charged a legal fee of {$120.00} and {$44.00} by bank of america, adding additional insult to my situation, I want these fees refunded immediately and the levy removed. I am also a military veteran and single father of XXXX small kids, ages XXXX and XXXX. Since I am not getting help from Bank of America and the error caused by child support I am contacting media to help me feed my children for the next couple of days that my bank account is overdrawn by {$850.00} dollars. I am also a decorated XXXX XXXX who was XXXX overseas. I plan to sit down with the news media and explained how Bank of America doesnt care about the military and would be ok leaving me and my children without any money. This has caused emotional stress on me and my children.

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 2018-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened Walmart account XX/XX/XXXX. My charge amount was XXXX they closed my card XX/XX/XXXX because I wanted my payment date changed from the XXXX to the XXXX. They closed my account when I wanted paper billing. I paid 18 straight bills adding up to {$910.00} which was way more that I shouldve paid. Then in XX/XX/XXXX XXXX XXXX contacted me to pay approx {$270.00} till XXXX and I did! I paid {$100.00} in XX/XX/XXXX. This all added up to {$1200.00}. And they have still charged me late fees XXXX and I havent charged sinceXX/XX/XXXX. And they wont stop even trying to talk to them several times again. Now my credit score is low because of Walmart/synchrony bank. They owe me money and need to stop the late fees my account was paid awhile ago for my charges which ended in XX/XX/XXXX. Id appreciate if you can make them stop on late fees and return me money they owe me. I made 18 straight payments of XXXX. Then XXXX XXXX XXXX. And then another XXXX it shouldve stopped when I paid XXXX  and I was just outta the hospital and wanted to be done with them. But no they are still charging me. Please make them stop and get me a refund thank you for your time

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 2018-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I started a loan application with Quicken Loans. I was pre-approved for up to $ XXXX. I submitted a few offers before coming to terms with a seller on a particular home. Quicken Loans sent me a breakdown of my estimated monthly payments, which was supposed to be $ XXXX/month. I  proceeded with the loan process and had everything completed in regards to my application up to that point. I went on to get an inspection and appraisal of the home. The inspection came back with aluminum wiring ( which needed to be replaced with copper ) in the home, which made it very hard to come within the homeowners insurance guidelines I had contingent upon in my offer. They then decided to switch my FHA over to a conventional, called me and lied to me saying that I would be getting " better financing ''. They knew that since problems arose with the inspection, they weren't able to use the FHA. Then, my monthly payments jumped up to $ XXXX/month and that doesn't even include the high homeowners quotes that I had received in regards to this home. I made the offer contingent on inspection, and insurance costs. I pulled my offer at that time. Quicken Loans then sent me a " denial letter '' based on the reasoning that I had an incomplete credit application, which couldn't be farther than the truth. I lost my earnest money, {$2000.00} because of the lies and unethical behavior from each and every person I spoke to in trying to resolve this issue. They went as far as ordering the appraisal, but when I pulled my offer they close me out due to incomplete application? That doesn't make a bit of sense. The very next day, my purchase banker opened up a whole new loan with a new approval letter. But yet, 24 hours prior, denied me due to incomplete application? Its not right what this company has done to me, I am a first time home buyer and I am completely traumatized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Global Credit & Collection Corporation
State: AZ

Complaint narrative:
Oops, sorry my initial complaint two weeks ago was with the wrong company- below is the correct company. 

Global Credit & Collection Corp Debt collection keeps calling my job and I have instructed them do not contact me at my place of employment. My job strictly prohibits scammers, debt collectors, or other third party entities. They have also, utilized a new tactic by calling and hanging-up, I consider this to be harassment. 

Currently, I'm working to resolve my debt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Apparently, the mortgage company Caliber Home Loans is confused as to what I am requesting. 

I requested a Qualified  written request for accounting pursuant to the Real Estate Settlement Procedure Act, to XXXX, XXXX, XXXX had failed to provide a copy of pay history log and the servicing log required under Real Estate Settlement Act. 

When XXXX XXXX XXXX transfer my home loan to Caliber home loan, XXXX should had transfer the request for a Qualified Written Request/ Real Estate Settlement Procedures Act ( RESPA ). 

The information Caliber home loan responded to, it doesnt address the real issue that started this. 

It is almost as if XXXX and Caliber home loan is saying, though you are an XXXX XXXX   XXXX, therefore, we or not obligation to provide that information to you. 

A failure to provide information regarding a loans is a violation of the Fair Housing Act. 



Please call me at XXXX if you have any question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: AL

Complaint narrative:
I have an account with this company and have talked with them about my account. I can never get a correct amount of what is owe and when I pay never receive payment receipt for what I have paid. This company calls my job 3 to 4 times a day and I have asked them not too. I have also asked about making arrangement they will agree on phone but will never provide me with written documentation. The employees are rude and I have reported them to upper management before.

Company response to consumer: Closed with explanation