vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America has continuously charged me overdraft fees after failing to notify me in a timely manner that my account is below 25 dollars like I set my notifications to do. I get emails about my account being low Only AFTER my account is hit with a fee. I have two checking accounts with the company and could easily have transferred money between. BOA says there is nothing they can do because the fee was assessed correctly however consumers should be notified in timely manners to avoid this additional overdraft amount.

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 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have disputed this account multiple times with Equifax. I was told it would be deleted, but the same XXXX XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I contacted American Express to make them aware that I would be unable to pay the balance on the account for some time due to Hurricane Harvey. I was told only at that time that " I didn't need to make a payment at that time '' and that I could " make a payment when I am able to do so. '' It was not until XX/XX/XXXX that I began to receive late fees associated with the outstanding balance. I made a partial payment on the account on XX/XX/XXXX and attempted to make a payment on XX/XX/XXXX. I did not receive any collection calls or notices from American Express in an effort to collect the debt. I contacted American Express to change my address and I was told at that time that my account had been sent to a third party collector. Again, no notifications from American Express that this would be done, no attempt to contact me to resolve the debt at least 30 days prior to the debt being assigned to a debt collection agency. After speaking with XXXX ( Payment Team ), XXXX ( Credit Team ), XXXX ( Legal Department ) with American Express, I was unable to resolve this dispute on my own since the account has been outsourced to XXXX Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
At the advice of my CPA, I decided to apply for an American Express business card. On or about XX/XX/2018, I provided American Express an inordinate amount of personal/non-public information about me and my business. After 45 minutes the young lady told me that I would recieve a card in seven days.

The card never arrived and when I called Amex to find out what happened, they informed me that they no record of the appllication. They stated that they would create a case and call me within 48 hours. This never occurred. I called them a week later and they had no record of " the case '' that they assigned to me. 

I am concerned that I provided them with a large amount of private/non-public information about myself and my business and they can not tell me where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
under tx law the collection of a debt has to include a sworn account this is not sworn to and so may not be mine I have no recollection fo being in this place at this time arringin by ambulance etc I have been to XXXX XXXX XXXX XXXX but I am thinking that this is not me I had care and care insurance under medicare a medicare replacement insurance co privately funded insurance that takes some of the financial burden off medicare social security and provides also supplemental ( ie more than medicare allows to its patients. ) I don't have the funds due to income stolen but these collection agencies just send bills that is why the tx law requires at least a sworn account of all of it.. under another insurance co XXXX XXXXXXXX XXXX a regular inspection of underlying documentation I found in XX/XX/XXXX XXXX that was wrongly billed for a XXXX XXXX and XXXX of my kid. so I want the details to make sure this is me and not been paid by my insurance co and that this is not just late fees and someone elses bill I had been starved by the XXXX county probate court which took over 150000 in assets and would not even provide m a cent for food transportation anything for 5 months from XX/XX/XXXX to after XX/XX/XXXX when I ended up in XXXX for XXXX I lived on samples from XXXX XXXX and XXXX to which I walked 12 mis a day this situation has been declared void under t sup court XXXX all my stuff in trust and unsubjects to guardianships and no personal jurisdiction over me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
got billed for something my insurance should of covered

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XX/XX/XXXX filed complaint with CFPB ( XXXX ), about lack of response from my inquiries to XXXX XXXX XXXX regarding debt settlement for Account # XXXX. 

XX/XX/XXXX XXXX XXXX reports the debt in question to the Credit Reporting Agencies with the status of " Collections ''. The last reporting of this debt by Midland was XX/XX/XXXX. 

XX/XX/XXXX Midland responds to my CFPB complaint indicating that I must communicate with their lawyer, XXXX and XXXX. I was judged " indigent '' by the XXXX County Circuit Court who reviewed this case and I have received no further communication from this lawyer. If XXXX XXXX is still actively reporting this debt to the Credit Reporting Agencies, the company should be able to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
This Account Information My Bank : XXXX I opened an account at PayPal to work in the purchase of products via the Internet and received money by my trade and there is no problem on XX/XX/2018 I received an email telling me that your account has become limited and we want some information about you from the picture of the personal identity and a copy of The account statement was opened and an account was sent to them and the complete information that was requested was contacted by the customer service over the phone Talk to me technical support staff and told him in the problem and told me this is normal procedure and your record is clean There is no problem in your record and this question time I told you Thank you Tell the employee when a new account is opened My account was closed within 24-48 hours. An account was opened by the specialist. I told you thank you. I was locked for 6 days. I spoke to the customer service to find out what happened in a problem. My account was shown to me. I gave her full information to access my account. If you have a problem, please tell me if my job is clean and there is no doubt and the employee told me that my record is correct and the account will be returned. Please tell me, please wait a few minutes to know the reason for closing. I told her there is no problem. Some 3 minutes passed on a phone. I told her I have no other account and no It was possible to open a second account because it allows me to open only one account. You told me that you are liar and an account was closed because of the similarity between me and other accounts that were established and I closed the phone and I speak. Why this racism and I know that America is a country of freedoms in the religions and this bank has the right to open an account I ask your accounting by accounting this company and force the company to recalculate Note I am the company PayPal I open an account for people living in XXXX and are created accounts that people live in America and were corresponded from a company for this subject and was sent to them the account number of people living in XXXX and I have information and accounts of people living in XXXX with their own accounts And conversations will be sent this information to competent authorities

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have disputed this account multiple times with Equifax. I was told it would be deleted, but the same XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a Discover card, I have a balance of {$4000.00}. I pay my monthly bill on time pay more than the minimal amount. 
Everytime I pay extra money Discover find away to take the money back. I pay over {$100.00} a month and Discover takes it all back in interests. Discover gave me a credit of {$30.00} and found away of taken that back too. 
I have tried to work with them but its not working they trying to fleece me ... I can't get ahead if they keep charging me over {$70.00} dollars in interest. 
I could have paid the balance way down if they STOP making up interest charges. I don't even used the card is the disturbing point. 
I acknowledge I owe them but I don't feel I can get a head in paying off this account if the keep. 
taken the money back as I pay off the balance. I need help with this major issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Date of Loan : XX/XX/2014, Term 75 months, Monthly payment XXXX. During the first 14-20 months payments were made on time. I ran into unanticipated financial hardships and payments began to age. The bank failed to mention extensions were available to me. Once informed of the potential for an extension the bank stated the account would have to be " in good standing '' to grant an extension. This took several more months to achieve resulting in additional late fees. I ultimately qualified and was granted extensions, however I incurred an extraordinary amount of late fees. Each month was late was equivalent to over {$150.00} in late fees. Approximately 15 % of the monthly payment. My account is current except for the late fee portion which is currently over {$2000.00}. I already paid a substantial amount of late fees that are not reflected in my statement. Before the loan matures I would like to resolve the late fees and identify if the late fees are appropriate and legal. I've tried on several occasions to resolve the late fees with minor success. Thank you

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 2018-04-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
the keep spoofing their phone number so I will get three calls back to back to back from GC services from different numbers, I asked them to stop calling me from different numbers and so frequently ... I would actually like to satisfy my debt but the aggressive way they reach out to me has deterred me from communicating with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
i wanted to pay my cc bills down before the start of the new year of XX/XX/XXXX. i made 2 payments to barclay priceline rewards card ( please see attached payment history ). i made a payment on XX/XX/XXXX for {$100.00} and a second payment on XX/XX/XXXX for {$1000.00}. i attempted to make another payment in XX/XX/XXXX but their payment system was down and didn't accept my payment. i explained this to barclay and was told its my fault i should have made other payment arrangements. however ; i really didn't owe a payment because i had already made my payment early at the end of XX/XX/XXXX.  but they still refused to move the negative 30-59 days late from my credit report. this little stunt on their behalf caused an 35-45 point drop in my credit score which  killed my chances of obtaining construction financing for my new home.please help 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 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I found out I had a judgement/lien placed on my home by Perouka, Miller, Klima and Peters, P.A. back in XX/XX/XXXX. The only reason I found out was through a Title search company. That company is acting on the behalf of a person who may be interested in the property ( which has no value ) That title company without my knowledge contacted the Perouka, Miller, Klima and Peters, P.A. to obtain a payoff amount. I later found out the details of this debt steaming from a company called " XXXX XXXX XXXX '' XXXX XXXX XXXX  was purchased by XXXX XXXX and assumed the debt. The original debt was {$3000.00}, evidently Perouka, Miller, Klima and Peters, P.A. filed a judgement against me and sent a court appearance to my home. I was not aware of this court appearance my son who is XXXX  and since deceased may have signed for it. I am in poor health and rarely left my room. Since I did not appear the judgement was found in favor of Perouka, Miller, Klima and Peters, P.A. back in XX/XX/XXXX. Since then this judgement has accumulated interest and now has a balance of over six thousand dollars. I contacted them the first time in XX/XX/XXXX and explained the entire situation, they only offered that I make an offer to settle. Even though I did not have knowledge of the bill I asked to pay the original three thousand dollars. They notified me the next day that their client XXXX  counter offered for {$4500.00} and that agreement was good until XX/XX/XXXX I however got sick and was hospitalized and never was able to make the agreement. I called back in XX/XX/XXXXand explained the situation again, this time a representative of Perouka, Miller, Klima and Peters, P.A. informed me that I had other options being a victim of identity theft. I filed the affidavit on the federal government website and sent Perouka, Miller, Klima and Peters, P.A. the documents onXX/XX/XXXX. They said they would review this information with their client, I have made several phone calls and emails since and have received no further information. I am XXXX XXXX years old and on a fixed income and have health issues, I am attempting to finalize this situation but can not seem to get any information. When I made the first agreement back in XX/XX/XXXX they had an answer in ONE day to collect money. It is notXX/XX/XXXX and I do not understand why this is taking this amount of 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 explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Re : XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX  CA XXXX I am a renter in a house XXXX XXXX illegally foreclosed on. They then tried to illegally evict me, despite a 5 year lease. Under Federal and CA state PTFA, I have the right to live out my lease.

They left me responsible for hundreds of thousands of dollars in repairs, and nearly $ 100K in attorney fees. This house is dangerous and should be red-tagged, despite all my repairs.

During this process I discovered they stole the loan and the house. They withdrew their eviction. Now, they owe me money. I have been trying to get the money they forced me to pay on their behalf since I reside in a house full of issues, since

XX/XX/XXXX. Meanwhile, the former owner sued for Wrongful Foreclosure in XX/XX/XXXX.
I filed two CFPB complaints to highlight the issue - # XXXX and XXXX. They responded I did not have " standing '' which is the right to bring the complaints, even though I have been damaged by XXXX XXXX XXXX illegal activity. They then copied the former owner, in a violation of my privacy. THE FORMER OWNER IS NOT PART OF MY COMPLAINT AND XXXX XXXX   HAS BEEN TOLD TO STOP COPYING HER AND HER ATTORNEY AND THEY DID IT AGAIN.

My personal situation on this house, my PO Box , and the details of my claim against XXXX XXXX  are none of the former owner 's business.

Not only that - they used the wrong PO Box , sending my personal information to someone else. I informed them, and they did it again.

They are violating my privacy. Just like they stole millions of identities ( including for my own kids, separate issue ) -- they now have no regard for my privacy an willy nilly copy people not a part of my complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello CFPB I am writing to ask your assistance to reopen my old accounts with Citibank. My Citi thankyou Account with credit Limit {$8900.00} was closed due to inactivity but i was not even notified or aware that i have to use this card otherwise it will be closed. Its my oldest card Since XX/XX/XXXX and by closing this account it Will have very negative effect in my credit worthiness. Aslo citibank closed my another Account Citi Simplicity with credit limit {$9600.00} which i had since XX/XX/XXXX this situation also was same. Please assist me to reopen my old accounts and restore my credit worthiness Thank you

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 2018-04-25 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: AES/PHEAA
State: OH

Complaint narrative:
Each year I submit an IBR request to my student loan company, American Education Services. Each year, they tell me it is incomplete because my spouse has not put her federal student loan data into the application. Every year she does. Then they take out an huge payment before it gets fixed. Last year, I got someone involved to deal with the situation. They have done the same thing this year. However, this time, the didnt approve the IBR for the same reason. We were on top of it and got it taken care of. I called and verified it was taken care of. My payment was reduced from the prior year and it was debited out of my account as such. Then, this month, they tell me my IBR was not approved for the same reason. They debited several hundred dollars out of my account that was unexpected causing overdrafts and not being able to pay bills. They tell me I have to resubmit the application for a third time. Yet, they have already approved the IBR plan as evidenced by the changed debit amount from my account for the lost year. I fell they are taking advantage of student loan borrrowers by losing information and telling me I have not done my due diligence when I have. I have done more than what is necessary to ensure my IBR plan.

In XX/XX/XXXX, I received a letter to reapply, which I did. My spouse completed her portion. Then they told it was too early. I did it again. My spouse and I entered our PIN numbers in the student loan database so they could have access to it in XX/XX/XXXX. OnXX/XX/XXXX, they stated that they sent a letter denying the request. The payment was too high. I told them they didnt calculate my wifes student loan information. I called and they said they didnt have access to my wifes student loans amounts. On XX/XX/XXXX. They told me to get it in and to call back that they received it. My wife completed the information and onXX/XX/XXXX I calle back to verify. I was told everything was done and my payments would be {$240.00}. This month they debited {$770.00} out of my account and told me IBR wasnt approved. However, my payments the year prior were around {$260.00}. They have now told me they are going to expedite another IBR request to the processing department. They are going to request a refund, which will take up to 30 days. In the meantime, we have bills to pay and no money to pay them. Further, other bills are being automatically debited for which I will receive more overdraft fees.

It is worrisome that I go through this every year with them. My wife has an XXXX XXXX and I have a XXXX XXXX. We dont have problems with her student loan company, just AES ability to receive and process paperwork.

Company response to consumer: Closed with monetary relief