vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I applied for an amazon  Visa by Chase o n the  Amazon Website.  On t he Amazon Website th e interest rate stated was 14.99 to 22.99 % depending on credit worthiness. I have a  XXXX   Credit Score.  I was approved for a card with the highest possible interest on the card. I called Chase to ask about the interest rate and they told me that was the lowest possible rate for this  Amazon Visa ca rd. I asked about why the  Amazon Site says 14.99 to 22.99 r ate, and was told that 22.99 % was the rate for this card. Had I known the only rate was 22.99 %, I would never have applied for this card. The offer on the Amazon website for this card is misleading if they will only issue a card at 22.99 % instead of a range between 14.99 and 22.99 %. You do not know what rate you will be given until you have completed the application and submitted. This seems misleading to the consumer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
As I have done many times before, I wired monthly child support to my former spouse, who recently remarried and changed her name. I was unaware she had not yet changed her name on her bank account. Instead of contacting me to sort it out, Bank of America took {$45.00} out and bounced the remainder back. I called and tried to sort it out over the course  of two phone calls totaling 40  minutes. At the end, I was told the wire department would not speak to me because I 'm not a Bank of America account holder. I am, in fact, an account holder. I had no way to know about their fees, and they had no right to take the money from me without a signed agreement from me. A simple phone call or email would have solved things, but they too k the low road on this one.

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 2017-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have had problems with Ocwen for many years ( I filed previous complaints against them in past years through the CFPB ) and once again I am turning to the CFPB to help me.     I recently received a monthly statement that listed that I owed {$1300.00}. I paid this amount promptly. I then received a statement a few days later that stated I owed {$1700.00}, which reflected past due fees/other charges in the amount of {$450.00}. Once again, I quickly made the difference in payment that I paid previously to what was listed on the new statement. A few days later, I received yet another statement that stated I owed {$1600.00} due the next month which includes foreclosure costs and legal service fees. I can see how consumers could be forced into default due to the confusing and inaccurate servicing by Ocwen.     This loan was originated in  XXXX  of  XXXX  and to date, I have never been in foreclosure nor have I ever been late. I called Ocwens customer service and explained this and was told we would not list a foreclosure cost fee if the loan was not at one point in foreclosure.     I did file bankruptcy in  XXXX  of  XXXX  and recently completed my 60 month Chapter  XXXX . However as I mentioned above, I have always paid my mortgage ( even during my bankruptcy as my plan called for mortgage to be paid outside of bankruptcy ) and have never been late. Therefore there should not have been fees assessed due to the bankruptcy as I included the continued payment of my mortgage when my Chapter  XXXX  plan was filed and approved and at no point was my loan ever in default ( which would prompt a foreclosure cost or legal fee ).     I sent my payment to pay the full amount owed as I do not want to be in default or late, however I demand a refund of the {$450.00} foreclosure fee/legal filing services that I was charged.     Please help me obtain a refund of this unwarranted fee.     Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Over the pa st three years Navient no w has my loans, and every time i call them to find out options considering my situation, they always fail to help me. I try to get information from them and i feel that they hesitate to really explain how each option can effect you, also are not clear at giving you numbers if i ask for them, they just tell me we wont know till you apply for that or apply for this. I called again this morning just to find out more information on my loans, and they give me the run around. The are not clear on giving you information, they sound like robots, and since this is a sensitive subject for me, they are not kind. Also i asked if i can join certain payments together or i have no idea how they decide to separate my payments, so i am able to bring my principle down. I feel with navient my principle just goes up and up, and they only give me an A or B option. I know there is more that can be done, or at least know what my options really are so i feel that i am at least making a dent in my student loans. I have complained may times to navient, that they dont have enough options for me and all they say is sorry, this is all we offer. I dont think this is true cause i feel other people dont feel this way in other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have a debt charge off reported on my credit report on behalf of  XXXX   XXXX  at  XXXX   XXXX  apartment complex. According to the complaint filed on the report I am delinquent payments totaling more than {$5000.00}. I moved from the above-mentioned apartment complex in  XXXX     2014 a nd was at the end of my lease term at that time, so I am unsure what the debt would be for. I have received no communication, written or otherwise, from either the apartment complex or the agency reporting the debt in that that three years so I given no opportunity to dispute the debt prior to it being reported as a charge off.

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 2017-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On   XX/XX/XXXX  someone ide ntified as  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  (  XXXX , TX  XXXX  ) purchased some items on credit from  XXXX . On   XX/XX/XXXX , the same customer purchased an additional item. A single payment was made on  XX/XX/XXXX       In   XX/XX/XXXX   my  XXXX   cou sin began receiving past due notices and phone calls from  XXXX . She tried to explain that she has a similar ( but not identical ) name, a completely different address, does n't know the person who made the charges, and that she is n't responsible for the debt.     The debt has since been sold  to Portfolio Recovery Associates.      We have made repeated attempts to find out how this account was opened. We have sent documents showing my cousin has lived at the same address si nce  XX/XX/XXXX  and i t is not on  XXXX   XXXX   XXXX .      Portfolio Recovery Associates h as refused to supply any proof that this debt is my cousin 's and continues to call and send her notices. My cousin has   XXXX  and  XXXX   XXXX  , and is   XXXX   XXXX   by their refusal to prove anything regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I spoke with an agent fro m Navient student loan service  about my account   XXXX  -2017.The   agent stated that I sent back my income repayment forms on   XXXX -2017.I h ave not sent anything to Navient during  XXXX   2017.Navient  has gone as far as to fraudulently sign my name on documents which is a federal felony.The agent told me I sent documents back which I never received or sent.navient should not be allowed to collect student loans because of fraudulent activity.Navient is also not approving applicants for income based repayment plans.Everyone I have talked to has been denied no matter the  situation.Navient i s also not offer income based repayment plans to struggling single mothers and these practices and unfair discriminatory.Navient should be shut down immediately due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The credit card company sold it off to another lender which is them. I paid the debt in full and have the confirmation. This needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo  did not provide adequate verification for this debt question. No documents were provided showing my signature or contract

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 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau Transunion.   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never late.

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 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau  XXXX .   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never late.

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 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XX/XX/XXXX , XX/XX/XXXX  and 60 days late for  XXXX  and   XXXX  . This was the report I received from the Credit Bureau  XXXX .   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have   XXXX   XXXX   XXXX   take off all the late payments because I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: IN

Complaint narrative:
Due to  Navient and their lack of interest in helping consumers I was forced into bankruptcy to get relief while I was unemployed. I am now a public service employee and fulfilled the terms Of my bankruptcy. Navient  sent me loan statements   XXXX   dema nding 2 payme nts due on student loans and private student loans totaling {$1000.00} a month which exceeds my monthly income once you factor in living expenses for myself and my child. They told me I can easily afford the payments and could not lower my payment based on income. I sent in my paperwork to qualify me for loan forgiveness on   XXXX   XXXX  . I mailed it and faxed it to the number and address listed on pa ge 4 section 7 on the six pa ge document provided by  Navient . They have no record of any of it. Then informed me the address and fax number previously provided is not the correct information and gave me a different fax number to send it to. No one can answer why the form provided by them has inaccurate information and could n't tell me who 's number was provided that I sent my social security number into. I spoke with several people today and wastes countless hours and achieved nothing. {$1000.00} is not something that I could afford to pay. I am trying to make good on my deb t w Na vient but they are making it impossible asking for something I can not give.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: FL

Complaint narrative:
Checking account fees. I had {$9.00} available in my checking account. So I deposited a personal check to my checking account of {$250.00}. Bank of America released the funds for me to use immediately. So I used them. Two days later on   XXXX / XXXX /20  17 t he bank decided to place a 10 day hold on that check. This caused my account to now be " overdrawn. '' At this point, they charged a {$12.00} fee for transferring funds from my checking account to cover that  ( after 20 minutes o n the phone with a supervisor, I got that {$12.00} fee reversed ). There was not enough in my savings account to cover all the amount overdrawn, so after 5 days of being overdrawn, there will be a {$35.00} " extended overdraft fee '' charged that they said ca n't be reversed. From my perspective, the bank released the funds for me to use and took them away 2 days later just so they could charge me more fees and tell me there is nothing I can do about it. This feels like a purposeful entrapment policy. Also, the check is good and the funds will eventually be released. It 's just the fees I will be charged in the interim.

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 2017-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Sometime in   XXXX   XXXX     I submitted a dispute with Experian stating that   XXXX   XXXX   which is a  3rd p arty debt collection for  XXXX  was not mines and should n't be on my credit file and I did n't owe them, the account number is  XXXX  after the investigation was completed   XXXX   XXXX   was removed from my credit file on   XXXX   XXXX   XXXX    , then on   XXXX   XXXX   XXXX       XXXX   XXXX   was added back to my credit report {$1500.00} without my knowledge I never received anything from Experian stating thi s 3rd part y agency would be added back to my report I do not owe this company as this debt does not belong to me I actually have  XXXX  now as my  carrier fo r cell phone service so how can I owe them a past debt and have service with them now, I would like to have this removed from my credit file again and not placed back on, this debt does not belong to me.         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 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Complaint  ID  XXXX .   LVNV FUNDING LLC did n't provide any document with my signature.   This purchase was a case of identity theft.   Where was the merchandize sent to?   Where is the signature of the receipt?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
Western union.     Transferred made o n  XX/XX/XXXX  f or {$1500.00}   XXXX  . When transaction was made it showed it should ta ke 3 workin g days for receiver to get the funds.     Upon calling on   XX/XX/XXXX   was told they need some additional information to process the  payment. Information ( ID ) Pro vided on   XX/XX/XXXX .  Received confirmation email from   Western union that funds have been deposited in receivers account.
Contacted Western u  nion numerous times but was told they are investigating and doing there due diligence, received an email today that they are still waiting to hear from the receivers banks ( Almost 22 Days now  ) and i need  to wait without making it clear on how long i have to wait.     Unfortuna tely, we can not provide you with an estimated date for a refund as we are waiting for the receiving bank to provide a response and return the funds Response from western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
My mortgage payment is {$2400.00}. It includes a {$160.00} MI payment. The MI amount will never fluctuate. My account is not impounded for taxes or insurance. Every month I pay {$2500.00} which calculates to {$70.00} in principal reduction. Repeatedly,  Cardinal Financial  applies the {$70.00} to my escrow account. I have called them and sent them messages through their message center. They have corrected the problem but they have not back dated my payments. As you know, on a mortgage, interest compounds daily. If my payments are never applied on the date in which they are originally received and my principal reduction funds are not posted when received, over the course of my 30 year mortgage  Cardinal Financial  would have stolen money from me by way of charging/collecting interest they have not earned. A very clear UDAAP violation. Please help me in resolving this problem. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA
State: NJ

Complaint narrative:
I 'm not certain who they are, but they keep calling, twice a day, from  XXXX . Today they called me multiple times on my work phone.     I believe it 's a company called AES. They have a fraudulent account on my credit. My father was able to get it removed, most credit reports removed it from mine. Only   XXXX   has n't.     They keep changing a late payment date from 10 years ago just to keep it on my report, but the thing is -- I have never had an account with AES, and have been fighting this for at least 8 years.

Company response to consumer: Closed with explanation