vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I bought a use XXXX  XXXX car in XXXX in XX/XX/XXXX at 6 months I started having problems with the transmission. The XXXX XXXX fix for free because I had less than XXXX, XXXX miles on it. And then I took it to XXXX XXXX for an Oil change and then I started having problems with the timing sylenoid no car dealer wanted to tell me what was the problem in the beginning and XXXX in XXXX XXXX charge me aprox XXXX to fix one piece of my syneloid but there telling me my car is was going to still have issues turning off because there's another piece that needs to be fix but the car dealer didn't want to tell me. he said it was the sprocket gear and it wasn't .... I spent money for nothing. Then I finally found a good mechanic to fix and tell me the problem and is was the timing sylenoid. I spend almost XXXX couldn't make my car payments got behind and I call capital one to lower my payments and they dont want to. I told them I get pay biweekly and my car payment is not the only payment I got. And I was fine making the payments because at that time my boyfriend was helping with some money but now I financially struggling with the car payments and I just finish paying my car taxes in CT because if not I cant renew my registration. they still cant help me to lower my payments. I have called the bank to tell them my situation. Im a single mother and I really struggling making high payments. I pay XXXX every month plus my car taxes and insurance. I need help please I only have one income and capital one cant help me to lower my payments. I wish I can get rid of this car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
chase bank previously XXXX XXXX  say they sent my savings account money to the california state comp troller in the year XX/XX/XXXX due to inactivity opened in XX/XX/XXXX XXXX dollars with 5 percent compound intrest they refuse to send comfirmation of ballance and sendini my savings ballance to the calif comp troller Iive been trying for over 15 years to release the information they now claim they lost and can not find my savings account but i still have the bank book im still trying to obtain my savings account funds from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Mortgage has incorrectly reported late payments I am enclosing an ledger report from Ocwen show that they payments were made and that no late fees were accessed. 

I have included bank statements showing the payments were made within 30 days. And an complete payment history for the payments made while I was in Bankruptcy. 

Ocwen was paid off in XX/XX/XXXX and then after payoff they reported to XXXX and XXXX  that in XX/XX/XXXX I  was 180 days late, XX/XX/XXXX 90 days late, and 150 days late in XX/XX/XXXX. Please note on the credit report they show XX/XX/XXXX through XX/XX/XXXX No late fees and all my payments are listed on their ledger. I have highlighted them for you starting on page 32 - 37. 

Enclosed also find a summary of payments from the trustee XXXX XXXX. Please note how Ocwen posts credit and how the actual payments from XXXX XXXX the trustee differ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has incorrectly reported late payments I am enclosing an ledger report from XXXX show that they payments were made and that no late fees were accessed. 

I have included bank statements showing the payments were made within 30 days. And an complete payment history for the payments made while I was in Bankruptcy. 

XXXX was paid off in XX/XX/XXXX and then after payoff they reported to Equifax and XXXX that in XX/XX/XXXX I was 180 days late, XX/XX/XXXX 90 days late, and 150 days late in XX/XX/XXXX. Please note on the credit report they show XX/XX/XXXX through XX/XX/XXXX No late fees and all my payments are listed on their ledger. I have highlighted them for you starting on page 32 - 37. 

Enclosed also find a summary of payments from the trustee XXXX XXXX. Please note how XXXX posts credit and how the actual payments from XXXX XXXX the trustee differ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2018 I was paying my rent via my apartment complexes online at https : XXXX I was trying to submit my half of the payment for rent which is XXXX. While trying to pay only my half, the online portal then took out the full amount and put my account into overdraft. I immediately called TD Bank to tell them that this was an accidental transaction and to put the funds back into my account as soon as possible, as well as to inform my apartment complex about the transaction even though they assured that they do no provide refunds even though they knew of my situation financially. That same day TD Bank then told me to provide documentation regarding this transaction to their Disputes and Claims department via Fax number XXXX. I called a representative thinking that I had enough documentation to resolved this issue, this costumer representative was obviously extremely ignorant and incompetent, because a few months later on Tuesday XX/XX/2018, I wake up to see {$1000.00} taken out of my account and my account put into overdraft a week before the XXXX season. The overdraft fees then piled up to an extreme amount of {$350.00} ( which I only have received {$170.00} ) and I also had my whole paycheck in the amount of $ XXXX go completely to overdraft fees. In the beginning of XX/XX/XXXXafter New Years Day, I went straight to a branch to resolved this matter because I received a phone call from the Fraud Department ( which this was not a case of fraud by any means ) saying that they did not get all the listed documentation I needed to provided even though I faxed it to the Claims and Disputes department weeks before hand. Upon arrival not only am I in line waiting to send these documents before XXXX, as soon I get a chance to speak to a teller and tell this individual my situation, I get interrogated and somehow my roommate is dragged and she has the nerve to blame him fort their mistake. This is not how customer service should be, and I want all my money back in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX Wednesday I used the service of Xoom money remmitance to  send money for my fianc in XXXX I used their service since I've been a customer for quite a while until this XX/XX/XXXX Wednesday that I used my bank account as auto debit transaction to be deposited to my fianc account using their assigned XXXX partner XXXX XXXX  XXXX to receive my remmmitance. On XX/XX/XXXX my fianc went to pick up the money and had her bank book updated. When she asked the teller to withdraw the said money transfer I sent her on ( XX/XX/XXXX ) they told her that the money is still on floating status and come back sometime XX/XX/XXXX if it's available. The reason I'm complaining is that I paid a bank to bank same day service to xoom and they have not done their part on this matter. Kindly address this complain the soonest for my family is in need of that remmitance for their food and medical needs. XXXX bless!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My previous complaint filled on XX/XX/XXXX was closed by Bank of america, as they claimed that it is not an authorized claim. They did leave message to me on my phone, and give me call back number, and extension, however, I have called back at least 6 times, it always go to voicemail directly, so we didn ; t get chance to discussion over the phone. Instead responding to me through other way, they decided to claim I am not the cardholder and closed the case. How can they do that?! My previous claim number was XXXX The complaint is : I have BankAmericard Better Balance Rewards Visa Platinum Plus account with bank of america. The card features {$25.00} dollars statement credit each quarter if I make payment more than min due. I was told that even I don't have a min due ( meaning min due is XXXX dollar ), as long as I make a payment, then I would qualify to get XXXX dollars each quarter. I have set up monthly payment, and the last {$25.00} rewards I got was on my XX/XX/XXXX statement, which should be for XXXX XX/XX/XXXX. That means I didn't get ANY rewards for my XX/XX/XXXX activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I requested validation of a collection account on XX/XX/2018 and Midland replied with letter dated XX/XX/2018, stating they didn't understand what I was requesting. My letter make it clear that I am requesting the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I believe this not my account and I want proof if it is and there ability to report this information on my report under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: ME

Complaint narrative:
My Teach Grant was converted to a loan. I called XXXX XXXX XXXX to make this situation right as I have been working in a low income public school for 2 years and they told me I didn't re-certify in time. I never received an email from them. They told me it's my job to check their email frequently for notifications. I'm still working in the same school teaching low income schools, so I am continuing to fulfill my end of the agreement. 

Secondly, my Public Service Loan Forgiveness keeps getting denied for things like : -the start and end date were on the same line -all pages need to be uploaded again even if you have already submitted a cover page in a previous upload

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
As per complaints : XXXX where you stated ALL COLLECTIONS WILL BE REMOVED FROM CREDIT REPORT, Complaint : XXXX where u state you will no longer persue collections, I NEED COMPANY TO PROVIDE CLARITY - WHEN WILL THEY BE DELETED??????? 

1 ) this is one account is from over 10+, almost 13 years ago and and can not be placed in credit report. It has been closed since then. so your documents provided are irrelevant and recent dates are frivolous 2 ) it is ILLEGAL to reset dates on account to reflect recent activity, add multiple accounts, and manufacture new dates as to cheat statute in order to collect. 

Companies recent claim is that they will no longer persue collections said language is UNCLEAR,  however. They were never supposed to put accounts on credit report as multiple accounts and fake dates in the first place. 
I need WRITTEN CLARITY THAT THESE ( All ) will be deleted from credit report as per Company response in first complaint. Why are they multiple accounts on report in first place with varying dates. Also, company submits account from XX/XX/2006 OVER 13+ years ago. Second document of fees is fraudulent, as account has been closed over 10 years. 

So, as per you first response, I AM STILL WAITING FOR ALL ITEMS TO BE REMOVED FROM CREDIT. YOU HAVE ONLY REMOVED ONE. 

PLEASE CLARIFY YOUR LANGUAGE IN RECENT RESPONSE AND BE EXACT AS TO YOUR RESPONSE. I AM SIMPLY ASKING YOU TO DO WHAT YOU SAID YOU WOULD DO IN FIRST COMPLAINT SUBMITTED IN XX/XX/XXXX. 
I WILL CONTINUE TO PERSUE ALL AND ANY AVENUE UNTIL THIS HAS BEEN RIGHTFULLY RESOLVED. I HAVE BEEN WAITING PATIENTLY AND STILL GOING BACK AND FORTH UNBELIEVABLE. 

Its illegal for company to try and cheat statutes in order to force collection.YOU KNOW THIS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NC

Complaint narrative:
During the last week of XX/XX/2018, I sold my house which was financed by Selene Finance. By the second week of XX/XX/XXXX, I realized that I had not received the refund from my escrow account with Selene which amounted to a little over {$1100.00}. On XX/XX/2018, I called Selene Financial  and was told the check was sent to the attorney representing the buyer of my house. This was incorrect and the check had obviously not been cashed. Selene agreed to stop payment and then issue a new check to me to be mailed to my new address. They have repeatedly given me false information when I have called to inquire such as it will be mailed within 18 business days but as of yesterday, no check has been issued. The money was returned to my escrow with no check issued to me. The only reason given is that it is being processed and no one can tell me when I will be sent the check. I have talked to a supervisor who did not resolve the problem. According to Selene, I have no choice but to wait until the company decides to send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I ordered my credit report from all three bureaus from XXXX. Once I got them and looked them over I noticed unauthorized activity [ FRAUD ] on all three credit reports. When I saw this, I contacted XXXX and XXXX immediately -- They acted IMMEDIATELY with disputing the unauthorized items on my credit report, and they placed a fraud alert on my account to protect me from Fraud. Their services were awesome, and they were so kind. 

CAN'T SAY THE SAME ABOUT TRANSUNION. 

I contacted them, and told them that I have unauthorized activity on my account [ INQUIRIES THAT I DID NOT AUTHORIZE ] and they completely gave me the run-a-round, saying they couldn't and would not help me. The people I talked to were rude. They have no IDEA the trauma that goes with fraud. It's sickening to know that these people won't even help someone that's experiencing something like this. The only thing I needed disputed and deleted were ten inquiries that I DID NOT make.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have statement from XX/XX/XXXX and XX/XX/XXXX that two of my loans through Sallie Mae were sent to XXXX XXXX for collections. To the best of my knowledge, these loans were paid through collections, and I received no further correspondence regarding them until XX/XX/XXXX, when I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) about the same two loans, now being serviced by Navient. At the time I didn't realize that these were the same loans. 

Now, after several months of trying to figure this out with Navient, I do believe that I may have paid these loans a second time, in error. Additionally, after contacting the University which Navient reports that these loans were dispersed to, they have no record of any private loans for my tuition. I am unsure how to proceed at this point, as Navient is still trying to collect payment for two more loans. I was advised to begin by filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Contacted Sears home improvement, XX/XX/XXXX regarding floor installation. I schedule an appointment to meet with a representative, but the rep did not show after 2 1/2 hours. I contacted Sears to inquire about the no show. I was informed there was a miscommunication issue with the rep, and rep would arrive within 15 minutes. The rep never showed. We rescheduled another appointment on XX/XX/XXXX. I decided to purchase the floor from Sears through rep, XXXX XXXX, on XX/XX/XXXX. I signed paper work and applied for a Sears home improvement credit card. I was informed by MrXXXX XXXX, floor would be installed first week of XX/XX/XXXX. I waited 3 weeks, no call to schedule floor installation. On XX/XX/XXXX, I contacted Sears to schedule the installation. I was told by XXXX XXXX, " trying to get a crew together ''. Return call from XXXX XXXX, scheduling installation on XX/XX/XXXX between XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX installers had not arrived. I called the office, was told by XXXX workers had " a brake line issue '' and would arrive within 15 minutes. No previous contact from the Sears office that workers had vehicle problems. I waited, no show. Contacted XXXX again, he stated workers had a 2 hour window to arrive at work site. I was not informed of a 2 hour window. In the meantime I received a voice mail message from XXXX XXXX, XX/XX/XXXX at XXXX XXXX that workers would be arriving soon. I waited, frustrated and angry, I contacted XXXX XXXX   and XXXX and cancelled the work. XXXX stated that I would not receive a refund of {$1500.00} that I was charged to the Sears home improvement credit card. It should be noted, that I was sent a bill for {$1500.00} before any worked was scheduled, and I paid {$100.00} on that bill on XX/XX/XXXX. I contacted Sears credit services on XX/XX/XXXX requesting a refund of the {$100.00} payment, and requested to close the account, but XXXX informed me that I could not receive a refund, and my account could not be closed, and I needed work out the details with the Sears home improvement in my area. On XX/XX/XXXX, Mr. XXXX contacted me to inform me that everyone had been fired from the home improvement  office and only XXXX XXXX remained. XXXX XXXX informed me that he no longer for Sears as a sales rep. In my opinion I was misinformed, lied to and deceived by Sears from the start of the transaction in XX/XX/XXXX. They were going out of business, and were in transition. I should have been informed of this so that I could have made an informed decision regarding doing business with Sears.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I had an incorrect ACH withdrawal made from XXXX on my PNC checking account. 

I spoke with XXXX and they gave me my options for addressing the situation. 
There were several, but the fastest one involved my contacting my financial institution ( PNC ) to resolve the problem through the Automatic Clearing House  procedures. 
They told me to specificall ask to " unauthorize the charge ''. Then they placed a forbearance to allow time to resolve the incorrect charges.This call took approximately 25 minutes. 

Next I called PNC to take care of this. I started with customer service and explained my request. First she stated that this was completely impossible, and that only the charger could unauthorize. That they could do so, but I would need to have them on the line. After that, I asked for the department to call directly so I could have XXXX do that. Approximate call time 30 minutes. 

I called XXXX, and I waited again on the line for XXXX. I spoke with a supervisor regarding the banks request. XXXX said they had heard many things from banks but this was a new one. THey passed me up to a supervisor.The XXXX supervisor told me that Federal ACH regulations allow consumers to unauthorize an incorrect charge within 60 days of charge being made, and that I should call back my institution XXXX time about 15 minutes. 

I called back PNC. I explained what I was trying to accomplish. THe agent said she spoke to her supervisor and the ACH department. They explained I could put a " stop funds '' request, but that since it was not 3 days prior to the charge that it would most likely not work. They said then after 2 business days I could request a refund and dispute the charge. I mentioned the regulations and asked her to speak again to her supervisors and they again said that whoever I spoke to did not know anything about banks and who was XXXX anyway! 

After another call to the supervisor at XXXX, where the supervisor gave me the error code and affirmed their ability to unauthorize and ach I tried one more time to PNC with no result. 

So I have now spent four hours on the phone today. 
I would like to report PNC for failing to follow Nathional ACH regulations ( at least as I understand them. ) The people I spoke to at PNC were, XXXX XXXX, XXXX?, with supervisor of XXXX XXXX, and a XXXX who they said worked with ACH transactions. 

My contact info XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX email XXXX XXXX

Company response to consumer: Closed with explanation