vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently went to Bank of America in XXXX Tx which i just recently moved to XXXX in XX/XX/XXXX and on XX/XX/XXXX to try an open up an account and the banker informed me that i could n't open up an account reason being is due to a situation back in XX/XX/XXXX which was some one tried to use my identity and address information and etc to get money out of the bank by depositing a bad check or something in that form and then withdraw the money from the account but i was living in Mississippi in XX/XX/XXXX which is my home state and where i was born and raised. I had no knowledge of this situation until the day i was informed by the banker on the XX/XX/XXXX and I really need to open up an account to deposit my money directly  from my job. They never gave me any contact information or help me with anything to see about this problem so I went to a different bank to get information about trying to contact someone about this problem.

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 2017-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
In  XXXX    XXXX  , I applied for  FNBO Travelite car d and I was rejected b y FNBO ( First National Bank of Omaha ). And I respect their decision based on whatever criteria  they used. However, in  XXXX    XXXX   I received an exclusive invite from  FNBO to ap ply for the same card with a custom invitation code. I applied and was rejected again. This rejection is not only completely misleading but also adds an unnecessary hard pull to my report making it harder for me to get credit elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Michael Wayne Investment
State: VA

Complaint narrative:
In   XXXX   I turned my car over for voluntary repossession  ro Michael Wayne Investments. Since then I had not heard anything from the company. I do n't know if the car was   auctioned and if the so what the balance was remaining if any. In,  XXXX  of   XXXX   the civil suit for the amount of  XXXX  in which at the times I disputed to the company in writing but the letter was unanswered. Now, they are garnishing my paycheck for over  XXXX  but I did n't receive anything in the mail about the garnishment only when my job informed that the money was going to be taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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 — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I sent the attached letter to Navient/  XXXX   XXXX   XXXX  disputing the late payments on my credit reports. Navient did not respond at all. As explained in the letter Navient never informed me they were reporting negative information after  30  or 60 days. This is a FCRA violation. They report the negative information at 90 days late. Protections in the FCRA were designed to inform consumers when negative information was reported. When they do not report the information until 90 days late they are both ; not reporting information accurately, and not giving consumers the notice the FCRA was designed to give. These loans are paid in full. They were paid in full as soon as the obligation was communicated. It does not matter if Navient believes they are doing consumers a favor by not reporting at 30 or 60 days late. It is not accurate and a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On X/X/2017 I overpaid my account by {$270.00}. I intended to pay another account I held with Synchrony Financial. I recognized my mistake and called them on X/XX/17. I call them to inform them of this mistake. They assured me they would correct the mistake and credit the correct account. They mistakenly transferred twice that amount. They then sent a statement showing I owed {$270.00} because of their mistake. I called and spoke to 2 representatives in XXXX who told me I owed the money. I asked to be transferred to a representative in the United States. I then spoke with a young lady who could n't assure me they would fix my issue. I then asked to speak to her boss by the name of XXXX. XXXX could n't have been any more rude or disrespectful. He finally admitted the mistake but gave no assurance they would make it right. This company seems to be deceiving their customers in order to gain financially! They need to be audited federally to show this unethical practice.

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 2017-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the last 6 months I have had to dispute information on my credit report 3 times with Trans Union. As of today they are not reporting my payment history within in the last 30 days and they dropped my score XXXX points with no apparent reason and did not address it in my latest dispute. This is negligence on their part that has a negative impact on my credit report and ability to obtain credit. Seeking a recommendation for a financial remedy.

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 2017-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX   and   XXXX   will not delete this debt off my credit report that was  discharged by bankruptcy. I have written them to tell them the accounts that they reporting have been discharged thro ugh bankruptcy court. Even though it does n't have an amount, they report them with negativity remarks.    XXXX  also keep reporting a collection from a debt collector that I have no contract with. They send me my credit card statement saying they verified it was my debt. I have n't signed a contract with a debt collector/collection. Its states in my credit report that the original debtor sold it to this collections company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mortgage began to be serviced by Ocwen in XX/XX/XXXX. Before it was transferred it was serviced by AMHSI, American Home Mortgage Servicing, Inc without any problem. When it was transferred it was current and not in default. I received monthly statements and understandable escrow reconciliation statements. When Ocwen took over the problems started. I never received a monthly bill or a payment booklet. If I did not receive an adjusted monthly bill due to an insurance or tax increase I would simply continue paying the same monthly amount. I then would get notices of amounts due with additional late charges. While some of my payments may have been late I know I have made each and every payment and am current. I am sure Ocwen has charges me late fees many times. They often called me or sent threatening letters. Consequently I requested on at least 2 or 3 occasions a list of all charges and payments on my account from the date Ocwen took over my mortgage in XX/XX/XXXX and XX/XX/XXXX of this year ( XX/XX/XXXX ). I was promised this list from the Ocwen representatives on several occasions. If I have such a list I can determine if Ocwen is correct or is mistaken. I have not received this list. Instead on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received a flurry of letters from Ocwen threatening foreclosure. I have not received an escrow reconciliation or bill so I am not sure of the correct monthly amount. I suspect Ocwen is paid a flat fee to service a loan but it can retain all or the greater part of late fees collected from the mortgagor. Thus it may be in Ocwen 's self interest to create all this confusion. I think Ocwen should be forced to send me a complete statement of account from day one and timely escrow reconciliation statements. In addition they should send a monthly bill with a clear explanation of when a late charge is assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contact the  XXXX  on  XXXX / XXXX /  XXXX   to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required

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 2017-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a customer with Chase bank and on Sunday  XXXX   XXXX   I tried to make a transaction for about {$20.00} at a restaurant and was told that my debit card was declined. At first I thought that it might have been the merchant 's mistake. I then tried to use the card that afternoon for a {$30.00} grocery store payment and was told that my card was declined. This really was surprising since I had more than enough money in my account to cover both costs incurred that day. When I called  Chase ' s  " 24hr  '' Customer Service line, the woman proceeded to tell me that a restriction had been placed on my account. After much back and forth, she explained that the restriction was accidentally placed on my account by Chase. She then told me that the one dept. that would be able to help me was closed on weekends and that I would have to inquire about the matter on Monday in person at a bank branch. Of course in finding this out I was furious especially since  Chase was so negligent in not sending me any notification regarding the restriction being placed on my account, not giving me any additional information about the matter and basically not caring about one of thier customers. Thankfully I was able to go into a bank branch the next day and resolve the matter which took about an hour and event the person that helped me was having trouble at first ( which was at no fault of hers as she was very helpful ). Never in my life have I experienced such negligence from a bank. Chase handled this matter very haphazardly and extremely sloppy. I know they do n't care about my " Little '' bank account but regardless of the status of the account holder, Chase should be vigilant in correcting THEIR MISTAKES and their customers should n't have to feel li  ke they are an afterthought. I do plan on closing my account and taking my business to another bank. Shame on you Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: GA

Complaint narrative:
I contact the  CBR  on   XXXX     to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required

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 2017-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contact the  XXXX  on  XX/XX/2017    to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On  X/XX/2017    I received an email from Chase Bank alerting me to a charge made on a credit card that I had not made any charges to in probably a year or more. Also, the credit card had not expired and Chase made a duplicate of the card and mailed it to me without asking if I wanted a newer version of their card and extra business services attached to the new card. I never received the new card and charges are being made to that card and  Chase  maintains that the interest rate is why my balance is over {$2300.00} on a card that has not been used in over a year. The credit card max balance is {$2500.00} mind you. So in all of that time that the card had not been used and {$75.00} per month was being paid per direct withdrawal, I had not even paid them an amount to equal {$200.00}. In addittion on the credit card website providing my balance statement and charges, it clearly states that my payments are {$68.00} but if you check how much I have been charged, the amounts are usually in the $  XXXX  range. I feel so cheated. Please investigate  Chase  's business practices as it is likely their predatory style is the norm for millions of other  Chase  credit card holders. Thank you in advance.  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MS

Complaint narrative:
On    XXXX   XXXX   XXXX   a  company by the name of  XXXX  was removed from my  XXXX  credit reports because they were coming after me for a collection on behalf of  XXXX   XXXX   XXXX  in the amount of {$520.00}. I have never had an account with  XXXX   XXXX   XXXX  and definitely have  zero plans of getting one.  As of    XXXX   XXXX   XXXX   I  noticed on my new  XXXX  and  XXXX   credit  reports that the company ERC  ( Enhanced Recovery Corp ) has reported false information on my credit report stating th at an account was opened with them    XXXX   XXXX   XXXX   in th e amount of {$520.00} original creditor  XXXX   XXXX   XXXX  and my payment status is a Collection/Charge-Off. Also the same company reported false information to my   XXXX   credit report as well stating I owe {$520.00} and the account was opened on    XXXX   XXXX   XXXX   a nd my payment status is Refinanced or Renewed. I have contacted the company via telephone numerous times and all of which I was informed it was a simple error and they would removed me out he system and update my reports, when asking for something in writing the cal some how always ends up getting transferred. I feel someone is playing and constantly using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
My XXXX account was included in a bankruptcy filing in 2010 which was discharged in that same year. I did not respond to correspondence from the debt collector about the allege debt for the reason mention above. The collection company should had performed ( due diligence/requested full disclosure of account status ) before acquiring this debt from XXXX. I 'm complaining about it because now its erroneously being reported to the credit bureau and adversely affecting my rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust Banks' actions caused me to become homeless:

I was anticipating a permanent move from XXXX Florida to XXXX XXXX, to happen during XXXX XXXX 2017.  In preparation for the move, on X/X/17 I met with the personal banker at the branch located on XXXX XXXX XXXX XXXX to transfer the balance of my savings to checking ($XXXX) and close my savings acct.  The personal banker urged me to agree to an automatic monthly deposit of $XXXX/mo to my savings to keep the savings acct open and avoid monthly low balance fees.  I agreed.

I have resisted moving to online banking due to the epidemic of hacking intrusions and financial theft.  To check my balance I must use a SunTrust ATM or pay a $XXXX fee.  $XXXX to the merchant and $XXXX to the bank. Previously, I had been using my savings account to cover any purchases for which I had insufficient funds in my checking account.  Once I drained the savings account, I naturally expected any future purchase, for which there wasn't enough money in checking, to be declined.  

This did not happen; during the month of XX/XX/XXXX SunTrust was overdradting minimal purchases of (

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 2017-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MS

Complaint narrative:
XXXX  credit report of mine shows that a company by the name of   CONVERGENT  XXXX , INC   .is stating i have  a collection account with them on behalf of   XXXX   XXXX   in the amount of {$280.00} and the account was opened on   XX/XX/XXXX . I h ave never authorized an account with  XXXX   XXXX  or had any type of service with them. they have deleted the account from my   XXXX   credit report on   XX/XX/XXXX  a nd from another company  XXXX ,  XXXX    XX/XX/XXXX .    XXXX    stated I need to contact them which I already have and I was told I have never had an account with  XXXX   XXXX . If this is the case then why are  XXXX  different companies coming after me then being deleted now back 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 2017-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered t hat PHOENIX FINANCIAL SERVIC #   XXXX  has furnished some items that have unverified information. I believe under the  Fair Debt Collections Practices Act, I have the right to request that you allow   me to validate the alleged debt. I am aware that there is a debt from   XXXX   XXXX   XXXX   but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under th e HIPAA l aw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF    1996 ], to pro tect my privacy and medical records from third parties. I do not recall giving permission to   XXXX   XXXX   XXXX   to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt,  and HIPAA  authorization.     1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my a  ddress listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved a  s a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a    collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to pull my own Equifax credit report, but my online acces to do so has been restricted.   Even when I pay to access my Equifax credit report online, I am only provided my old information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 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: NH

Complaint narrative:
trans union   XXXX   XXXX   needs to take off thos charges  XXXX  all  XXXX  of them they have been dismissed!!!!

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