vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My brother and I have a joint account with Chase Bank. My brother contacted Chase to dispute one charge of {$310.00} from XXXX. XXXX and weeks passed by, I noticed a claim reversal of {$350.00} from XXXX was reversed back from a Chase employee that we didnt authorize. Then another day passed by, again, another claim reversal was reversed back of {$310.00}. My brother inquired to Chase about the {$350.00} that wasnt authorized. A Chase Executive employee had open this case and it was accurate. My brother mentioned to the Chase Executive to listen to the media files of the conversation he had with the employee from the claim department. The Chase Executive confessed and stated my brother is correct and how the employee committed fraudulent activities, reversed back two charges instead of the one he inquired of {$310.00}. However, Chase has not removed the unauthorized charge of {$350.00} that was reversed back. This caused my account to go into negative and insufficient fee occurred. I also noticed they reordered transactions from highest to lowest that was already posted to my account to cause excess overdraft fees. Also, today, they took money of {$140.00} from another joint account I have with my mother to try to cover for the negative account I have with my brother. Chase are endorsing fraudulent activities from employees and not taking accountability for their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I will provide a photo of my statement. I am being charged {$71.00} on an account that is closed. No access to pay on line. I have to call every month practically begging to make a payment. All on time payments. It took many many months to get assistance to be put in there so called hardship plan with TD. It was for for two years no interest with a monthly payment of {$42.00}. This passed XXXX I have been trying to reach that department over and over. I am being told to call XXXX. I was provided XXXX number. Which has no affiliation with TD Bank. XXXX XXXX was the director of the hardship department. The only one with moral fiber. He no longer works at TD I come to find out. His number was XXXX. When I asked for this hardship I was not in default or late. My Mother became very ill and used all my savings and needed assistance due to the financial stress of taking care of my Mother. TD tells me I need to go into default!!!! Total violation. I was not going to do that. Finally I speak to XXXX XXXX after many many many months I am put into a hardship plan. Its a disgrace how badly I am treated. What these people put me through. I was on the phone 3 hours on Monday XX/XX/XXXX to make a payment and inquire why I have I interest charges. I spoke to 11 people. No one would take my payment! I was transferred to the Levy department. These people are scumbags. No one would give me the number to the hardship department nor assist in any way. I received a call from the State Attorney General Office as they received a call from OCC and all the trouble I have been having. TD is finally being investigated to all my allegations that taken place from the beginning. This has taken a toll on my XXXX  with all I have endured. I have no access to this account accept for mailing statements which sometimes I do not receive. TD removed my checking account when calling in as I have no other choice. Applied cash payments from TD bank where I went physically and credited payment to another account. Disgusting hood rat behavior. I will not tolerate this anymore! I was given XXXX. XXXX email who never responded in the last week. He is the SVP of customer service!!!! No response. Not surprised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
I have a mortgage for my home in Maryland with RoundPoint Mortgage Servicing. 

On XX/XX/XXXX, {$100.00} was deposited in my Escrow account as " Interest on Escrow. '' In XX/XX/XXXX, I received a 1099INT form from my mortgage holder confirming showing {$100.00} interest earned on my escrow account. Given receipt of this 1099INT form and confirmation in my online account information, I included this interest income when I filed my calendar-year XXXX taxes and thus paid taxes on this income. 

While checking my mortgage status in XXXX, I noticed that a debit had been made from my escrow account on XX/XX/XXXX, marked as a " Miscellaneous Disbursement, '' in the amount of {$100.00}, with no other explanation for this debit. 

I called the mortgage servicer on XX/XX/XXXX to ask for an explanation. Their phone representative said that the interest payment of {$100.00} on XX/XX/XXXX was " an erroneous deposit for Maryland mortgages '' and was thus deducted from my escrow balance. No other explanation has been offered. In XXXX ( the year my mortgage originated ), I was paid interest on escrow, and there was no indication that I would not be paid interest in XXXX. According to Maryland Code 12-109, interest shall be paid on escrow accounts. 

The servicer seems to imply that the interest on escrow was a mistake, even though a 1099INT form was issued. There has been no other communication from the servicer that I should either ignore the 1099INT form or that interest may or will not be paid in the future. 

This could result in large overpayment of taxes by anyone with a mortgage with this servicer, as receipt of a 1099INT form means the filer has to include that income in his/her tax forms.

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 2020-02-27 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: OH

Complaint narrative:
I received a letter ( attached ) from XXXX on XX/XX/2020 which also was the response they posted on the CFPB complaint website stating that they have removed a chapter XXXX bankruptcy from my credit report with their system. Upon further investigation, they LIED not only to me but to the CFPB ( a government agency ) They are still reporting this bogus information not only on their website but also reporting it to Equifax and others. 

In a phone conversation with XXXX on XX/XX/2020 they informed me that it was still, in fact, being reported but they show the open they removed had the wrong case number and they removed that one and the one they are still reporting has the correct case number. 

I find it funny that I lodged 5 complaints with XXXX regarding this matter and they stood their ground saying the information they reported was correct. On the 6th complaint, they send the attached letter saying it was removed but it was not and they come up with the story that 2 bankruptcies were reported and THEY had the wrong number? XXXX! 

I just recently got a new insurance quote ( copy attached ) and my rate was dictated by the bogus information that XXXX has reported. XXXX  & XXXX  removed this item over 6 months ago with no problem! XXXX and Equifax are hindering my ability to get reasonable rates based on their XXXX and XXXX  reporting. 

Therefore I have had enough and retained my attorney XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX ( XXXX XXXX XXXX to pursue litigation and file suit against XXXX XXXX Equifax for their improper reporting practices, misleading a federal government agency ( CFPB ), money damages, court and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
From XX/XX/XXXX until XXXX XXXX My accounts with XXXX have been listed as in dispute and I have no heard a word from Equifax after i sent letters several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NY

Complaint narrative:
The previous investigation did not fix error.

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 2020-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
My student loans were both subsidized & unsubsidized with Sallie Mae with very low or no interest. Then Navient took them over & they were all consolidated at a much higher interest rate. Is that legal? I was originally told my subsidized loans interest could never be raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: FL

Complaint narrative:
I have several inaccurate marks on my credit report that I have attempted to correct several times. 

I have asked for verification of the validity of these accounts months ago, Equifax especially, only temporarily removes the account and then puts it right back in 30 days. 

Accounts that are not valid : - XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX *Note* - XXXX XXXX XXXX claims that I made 100 % of my payments, yet they display 5 negative remarks, and also they are claiming " negative marks '' on dates after the account was already closed ... this obviously is not my account, nor verifiable. 

Inquiries Not Valid : - XXXX  XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX - XXXX  XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Our mortgage is currently held by Fay Servicing, a debt collector. We had some financial issues and as per their website and customer service, we applied for assistance through a loss mitigation form in XXXX. After countless back and forth for additional documentation the application was deemed final on XX/XX/XXXX and a notice was sent to us stating that they would make a decision within 30 days. 
We received word yesterday that out application for a deferment was denied and we are qualified for a short sale. This is not what we applied for. Now they are threatening foreclosure unless we pay 4 months mortgage in one lump sum to reinstate the loan. At no point in this process were we made aware that this was a possible outcome. 

After further investigation I see that this predatory practice was recognized by the CFPB and action was taken against Fay Servicing in XX/XX/XXXX. I urge you to look into their practices as it seems from our example that they are eager to have their customers foreclose on their properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: U.S. BANCORP
State: NY

Complaint narrative:
My issue is with US BANK. I took out a balance transfer for {$2400.00} that isn't due in until XX/XX/2021. In order to avoid paying interest, I always pay off my statement balance purchases. And yet every time I look to my statement, I've been seeing interest charges. I've made several calls to US Bank and every time I get a different story. For the first 10+ customer service calls, the story was that it was a " mistake '' and sometimes interest fees were reversed. Then, a customer service rep told me I needed to pay my purchases, plus the " minimum due '' - add those together and pay those. I did that, and then interest charged popped up again with a charge of {$30.00}. Now I called them and finally, after what must have been over 10 calls, that because I have the balance transfer, they now charge interest in my purchases. I don't know if it's ethical, but it feels like the rules of the credit card changed once I got the balance transfer.

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 2020-02-27 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: IL

Complaint narrative:
There are two debts collectorXXXX ... XXXX XXXX & XXXX appearing on my credit file.I have never been involved with ANY of the businesses with whom theyre representing.This unfair and ill-waranted activity is causing extreme harm to my credibility as a consumer.I have reached out to all relevant individuals with no success.I appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Valentine and Kebartas, Inc.
State: OH

Complaint narrative:
Company named Valentine & Kebartas keeps calling about a debt they purchased from XXXX, XXXX purchased from XXXX, XXXX was XXXX XXXX. I originally had my loan with XXXX XXXX. The company in question will continue to call my personal cellphone, then call my place of employment during the day. Tuesday after attempting to call my cell phone 5 different times from all different numbers they then proceeded to call my place of employment. I answered the phone and requested for the 4th time that they don't call my office ( this has happened before ). I told them to call back tomorrow, they did while i was at work, I told them to call me after work and I gave them a time that worked best for me. They called me back XX/XX/2020 at XXXX, I spoke with a gentleman who claimed to be the case manager. I told him that my wages are already being garnished for Federal Student loans and that I had just enough money to live on and no way to pay them. They then threatened me and said they would come after me. I stated that I already have my wages garnished, get in line with the rest of the loan servicing companies. He then got extremely upset, cursed at me and threatened me again. I got a fax today at work for employment verification, which I filled out and sent back. I have a feeling that they will continue to harass me and threaten me. I told him that his actions were unprofessional and unethical, that is when he got very angry at me, cursed at me and hung the phone up. I know my rights and I know that this is not how you should be treated. That is why i have decided to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
They have not provided info I requested to validated my debt. 
1. Agreement with your client that grants you the authority to collect on this alleged debt 2 Agreement that bears the signature of the alleged debtor where in he agreed to pay the creditor 3 Any insurance claims been made by any creditor regarding this account.

4 Verification that this debt was assigned or sold to collector 5 Commission for debt collector if collection efforts are successful 6 My signature on any paperwork to prove no ID theft was made?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, credit report, etc. The accounts are attached ( State Farm ), ( XXXX ), and ( Fair Collections original creditor is XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
To whom it may concern I am being harassed by debit collectors for an amount of money I don't owe to XXXX XXXX. 

XXXX USD Collector name : Convergent and previous collector name is XXXX XXXX XXXX Timeline : *I previously used to live in XXXX- XXXX  and had internet service provided to my by XXXX  ( only Wifi, no equipment, cable or installation ).

*In XX/XX/XXXX I left my apartment in XXXX  and moved to XXXX- XXXX. Before leaving my previous residence I called XXXX and disconnected my internet service. I moved out of my apartment on that day and made sure that my internet got disconnected through my online account. XXXX employees I spoke to later confirmed that the internet was disconnected on that day *I was under no contract when I disconnected my service on XX/XX/XXXX. I was paying XXXX USD a month for a speed that cost me XXXX USD a month before my contract expired many months prior to me moving out. The reason I didn't renew my contract that year is because I knew that I will be moving out of my apartment on XX/XX/XXXX *I was not aware of any issues until XX/XX/XXXX when I received a bill in the from XXXX stating that I owe them membership dues + late fees to a total of {$180.00} despite the fact that the internet has been disconnected since XX/XX/XXXX. I also was not under ANY legally binding contract since my contract expired months prior. The internet got disconnected but the bills kept coming without my knowledge! 

*I spent hours holding on the phone and trying to beat XXXX annoying automated phone maze. Every time I call them and when someone finally replies they would tell me that a person from their financial department will reach out to me but no one ever did. This predatory behavior has caused me a lot of distress *I was contacted first by a creditor XXXX and after spending an hour with them on the phone explaining the situation, the issue was resolved a while later and the account was closed. 

I can provide you with the account number and all the details to verify that by yourself *XXXX  has now sold the debt to another creditor called Convergent who are now harassing me by wanting me to pay the amount mentioned above. I wonder how many times do I have to repeat this story. I am getting tired of this. 

*Please note that my credit score is +780 and that I have never missed a payment in my life. This is a matter of principal to me and I won't allow XXXX to bully me like this. 

Thank you very much for your help.

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 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Recently, in XXXX of this year, my wife and I paid off over {$10000.00} in credit card balances, in doing so my credit score went for XXXX to XXXX, with no other items being reported on my credit score. I contacted Equifax directly, and after spending 30 minutes on the phone, and suppling every possible piece of personal information to them to verify my identity, I was informed that their verification process failed and I was REQUIRED to submit my identification in writing???? All this before they could tell me why my credit score tanked after paying off 4 credit cards? Equifax is holding my credit hostage for no reason and have made it impossible for me to make corrections or have questions answered in a fair and timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: FL

Complaint narrative:
I have several inaccurate marks on my credit report that I have attempted to correct several times. 

I have asked for verification of the validity of these accounts months ago, XXXX  especially, only temporarily removes the account and then puts it right back in 30 days. 

Accounts that are not valid : - XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX *Note* - XXXX XXXX XXXX claims that I made 100 % of my payments, yet they display 5 negative remarks, and also they are claiming " negative marks '' on dates after the account was already closed ... this obviously is not my account, nor verifiable. 

Inquiries Not Valid : - XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX - XXXX  XXXX XXXX  XXXX -  Inquiry date : XX/XX/XXXX XX/XX/XXXX

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