vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 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 Saturday XX/XX/2018 I discovered my TD bank account was overdrawn by XXXX dollars. I discovered it was from an unauthorized TD discretionary overdraft program that I did not enroll in. I had called several months previously due to having overdraft charges and was told I would be unenrolled in program. I assumed any deficit in my account would result in payment being declined. I called my branch office and spoke to XXXX who explained to me that the feature was never turned off. I went into the office to sign form to turn off. I had my daughter make a XXXX transfer of XXXX dollars. I also transferred XXXX from my savings account. I reached out to customer service on XX/XX/XXXX because I was hit with more overdraft fees because they did not credit my XXXX transfer automatically as it has in all previous occasions. Customer service manager refused to credit my account because he did not have access to phone call that was made previously where I was assured feature would be turned off. My account is now {$190.00} still overdrawn. I am a XXXX adult that only receives XXXX and pension payments once a month. That is reason why I prefer to have my purchases declined and not to be provided payment for a cost of {$2.00} and be charged {$35.00}. Each day they charged me {$170.00} in overdrafts. Even when I made transfers to cure my default that was their fault for advising me that this feature was not on. They require you to sign a form to turn the feature off but I never signed anything to turn this feature on. I also was told by their customer service that I would not have this feature on when I called several months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had my Bank of America debit card information skimmed and I filed for fraud with my bank on XX/XX/2018. They gave me temporary credit of {$1200.00} while the claim was being investigated on XX/XX/2018. They later contacted me on XX/XX/2018 to tell me the accredited amount had been adjusted to {$11000.00} because some of the purchase were valid, which is true because I mistakenly add those purchase and before this called Bank of America to notify them which the operator barely acknowledge my concern about mistakenly adding them so I am unsure if they even received that information. On XX/XX/2018 they contacted me for the last time saying that the claim has been resolved and that they are unable to pay and took the money back on XX/XX/2018. I did not have enough money to pay them back and now they are attempting to collect a debt that I do not owe because I was never liable for those purchases.

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 2018-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My wife and I are XXXX % XXXX veterans and because of some family medical issues we ended up in Bankruptcy back in XX/XX/XXXX. We were also behind on our mortgage at the time of the filing for bankruptcy, but our house was not included. Around XX/XX/XXXX as we were getting close to our Chapter XXXX discharge, our attorney met with our mortgage company ( Freedom Mortgage Corporation ) attorneys and an audit was conducted which determined everything we were behind on. Some court, and attorney fees were added and the amount came to be XXXX, this amount was divided by 12, which came to XXXX. My wife and I was then asked if we could afford to pay our regular monthly mortgage payment and this additional XXXX for 12 months, we agreed and at that time a court order put into affect. The order called for us to start paying this additional XXXX in XX/XX/XXXX. We followed this court order 100 %, made all payments. We then made our last payment to the trustee and received our discharge on XX/XX/XXXX. When we were discharged Freedom Mortgage Corporation immediately reported us as two months behind on out mortgage. I made well over 20 calls into Freedom and it was determined that when we made that first payment in XX/XX/XXXX, they posted it for 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
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I am requesting that XXXX XXXX XXXX XXXX remove a hard inquiry from my XXXX   credit report. Please review the documentation that supports my claim that my credit being run by XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) was unauthorized. Ive attached a copy of the pre-approval letter from my credit union,  XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) to run my credit due to having already secured financing through my own credit union. 

I am requesting that XXXX XXXX XXXX Property ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) remove the hard credit inquiry from my XXXX  credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: CA

Complaint narrative:
I keep getting letters from a debt collector by the name of XXXX XXXX ... Something along those lines and they are trying to collect debt that does not belong to me at all. I need this problem resolved and taken off. It's showing that i owe around {$6000.00} to them in three separate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 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: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Mr. Cooper is wrongful reporting information on my credit report and has done nothing to address this error. After multi calls, emails and complaints they continue to ignore their error and do nothing. They have even admitted to receiving the payoff on the XXXX of XXXX yet they still reported me 30 days late that month. 

Their information is incorrect and that is why I am making my complaint. I can share my credit report with whom ever would need to review it to verify my credit history and character. A large company like this should treat their customers and Veterans better. Even if their information was correct, which it isn't why was no attempt made to contact me during those 30 days? After perfect mortgage history with them I just all of a sudden missed a payment. Further more they admitted to receiving the pay off XX/XX/XXXX yet they reported me 30 days late in XXXX of that month, how is that possible? This company is doing nothing to fix their issues and are further causing undo stress and hardship on a XXXX veterans family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: UT

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX are both currently double reporting on my credit file. This is in clear violation, and needs to be fixed. they can not ding me twice on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau and XXXX XXXX are both currently double reporting on my credit file. This is in clear violation, and needs to be fixed. they can not ding me twice on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: NY

Complaint narrative:
# XXXX account this account is NOT mine! I have contacted Equifax over 10 times to fix this account that isn't mine. They show no proof of where they verify this. I have even sent them proof of my investigation to this said company and got a response saying that they do NOT have such account for me. So Equifax needs to delete this asap! This is called defamation of character & fraud keeping a account on my report that isn't mine! I want a supervisor to contact me concerning this or I will be filing this in small claims court as my right to fight for this inaccurate information that they have been reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I need to know how many qualifying payments I have for Public Service Loan Forgiveness. XXXX XXXX XXXX said it would take 3 months to calculate. Then they said 6 months. Now they say a year. I should complete my 120 qualifying payments in XXXX of 2019. In the event that there is a mistake I would like time to fix it before I complete my payments and apply for forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 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: CA

Complaint narrative:
Portfolio Recovery Associate ( XXXX XXXX XXXX repeatedly contacting me to collect a debt I do not owe. Several months ago, I proved it was not my account and original creditor, XXXX Office, cleared my information however, XXXX XXXX, ruined my credit report and caused damage despite me proving I was not the person that owed the XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
After reviewing the falsified documents provided to me from Select Portfolio Servicing INC thus far, we conclude that they nor the Trustees have a legal right to be servicing/foreclosing/collecting on my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Truthfully I didn't authorized Account with Nordstrom on XX/XX/2017. I filed report with FTC. However, Nordstrom wrote back that my account doesn't claim of fraud and such transaction was valid. However, I request them vital information like transaction date, location, and item purchase. Nordstrom stated they are unable to provide these information. They only can provide total amount of balance owe. This is an absolutely raised red flag of fraud to me. I believe Nordstrom mishandle protection of consumer rights to ask for details in order for me to file with a report with police station.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I'm having a problem with chase bank they are giving misleading information about my funds that I'm missing from my account one person told me they mailed out a check but I never received it i would like to know what's going on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
Company is charging 650.72 % interest. I've paid back over 2000 on a {$970.00} loan, still owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 I submitted a billing dispute for the XX/XX/2018 charge of {$330.00} from the XXXX XXXX XXXX XXXX. My reservation was made for a total of {$160.00} and upon arrival, this rate was verified by the hotel at which time I provided my card for authorization. However, the hotel decided to change my rate after I had already checked out of the property. I provided Chase with a copy of my original reservation showing the verified charges at the time of check-in as well as a copy of the XXXX Terms and Conditions highlighting the documents required qualify for my rate. The required documentation was provided and verified by two employees at the time of check-in. No mention of a rate change was ever made during my stay, thus the merchant violated the terms of sale and changed the amount charged after I departed the property. 

Despite providing this documentation on XX/XX/18 and again on XX/XX/18 at the request of the Chase dispute team. I originally filed the chargeback only days after the charge posted well within the allowed timeframe for identifying billing errors. However, Chase decided to find the claim invalid on the basis that the chargeback timeframe had already passed. This denial reason was due solely to Chase 's violation of 1666.  Correction of billing errors, which requires an investigation and resolution within two billing cycles. However, Chase 's denial was provided after 5 billing cycles from the date the dispute was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed on my XXXX credit report that I had a notification about a hard credit inquiry had been pulled on my credit by CITI Bank. I immediately called and tried to get a hold of CITI to find out why. I do not have or have had an account with CITI, and I have not applied for credit in any form recently. CITI had no record of me as a customer, and they did not have an account in my name so they were not able to help me. I checked several times with CITI credit applications to make sure that there wasn't an application in process, and they also had to record of anyone requesting credit with my ID  or SS number. 

Learning this I initiated a credit freeze with the credit reporting agencies to prevent other accounts or inquiries being made without my requesting it. 

Details of the hard pull directly from my credit report : Inquirer Name : CBNA, Inquiry Date : XX/XX/2018 Business Type : Airlines Contact Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
My child was the victim of phishing fraud. My child used their debit card connected to their youth account to make purchases on a spoofed website which did not clear. The debit card information was subsequently used to open a fraudulent XXXX XXXX account through which three transaction were attempted in the amount of {$1000.00}, but only two cleared. The cleared transactions are as follows : XX/XX/2018 : {$1000.00} XX/XX/2018 : {$1000.00} I have attempted to dispute these transaction, however on XX/XX/18 Golden 1 Credit Union indicated that the claim was denied because, " you grant [ ed ] a person authority to use your card and that person exceeds the authority given,  you are fully liable for all charges even if the amount of the actual use exceeds your permission unless you have notified us prior to the unauthorized charges that used of the device is no longer permitted. '' On XX/XX/2018, when I called in to seek clarification I was told, " by providing the debit card information on the spoofed website, my child granted authority to open the XXXX XXXX account and make subsequent transactions. '' At no time were these unauthorized charges permitted. The fraudulent XXXX XXXX account nor where the subsequent charges issued therefrom. 

After reporting these facts to Golden 1, they are determined that my child was an active participate in the fraud. 

The XXXX XXXX account has been closed as had my child 's youth account. Per XXXX XXXX my child 's information was used, however the year of birth was manipulated to appear that my child was over the age of 18. 

At no time was debit card information provided to any individual with the intent to grant authorization to use the card or make any XXXX XXXX transactions. 

I believe that Golden 1 was negligent in its duty to my child and me as account holders. Golden 1 should have never authorized these transactions through my child 's youth account. The bank should have used more caution with youth accounts because of the nature and vulnerabilities of children. Multiple transactions were attempted, two of which  were successful. Additional attempt was halted only after my child discovered the fraud and took action.

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 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
A few months ago I received a Chase Sapphire Reserve card from Chase. The initial offer said that I would receive XXXX points after spending a certain amount within the first 3 months of having the card. It also states that for Sapphire Reserve members, each point that is used towards travel booked through the Chase site is worth 1.5 times  the actual points in my rewards account. 

Approximately three weeks ago I attempted to use my points to book a flight for XX/XX/2019. When I got to the purchase page on the site, it didn't allow my card to go through. I called Chase Travel directly to try and book the flight, they also couldn't purchase it and claimed there was a problem with their computer system. They didn't offer a timeline for it being fixed, and I submitted a claim, claim number XXXX. They said I would receive a follow up contact regarding my claim, which I never did, and when I called back days later they had no claim in their system matching that number or related to my card For the past three weeks I have continuously tried to use the site to use my rewards only for an error to pop up each time. I tried again to book a flight through Chase today, only to receive an error message saying the Chase travel site was unable to load. I called Chase travel and they told me there was a red flag on my account stating that my card was not a card eligible for travel rewards. They transferred me to the rewards department, who told me that there was no such red flag on my account, then transferred me back to travel who stated that there was nothing that they could do and no other department they could contact to resolve the claim. 

The flight I'm trying to book is a family trip, but I have to purchase my wife and son 's tickets separately. Since the time I've started trying to use MY rewards, that trip has gone up in price approximately {$1200.00}. No one from Chase has returned any of the calls from my claims or offered an alternative solution, and I have over XXXX points through their system that I am unable to use with no one willing to help resolve the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
A bill, which had already been paid in full, was submitted to XXXX. XXXX knows there is not debt.? They have submitted a letter to me that they were submitting a deletion to the credit reporting agencies. That was in XX/XX/2018. This still shows as a collection account on my credit report after more than 4 calls over the last few months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Previously I submitted a dispute for the overcharge of the {$140.00} charge from XXXX XXXX XXXX on XX/XX/18. In this dispute, I included a copy of the XXXX/XXXX XXXX  XXXX XXXX, which states the hotel would honor the best public rate plus 20 %. Also included with this dispute was a copy the best available rate as well as the invoice not honoring the published guarantee. 
On XXXX18, well past the allowed time to investigate and settle disputes, Chase sent me a letter requesting information which had already been provided. Because no further information was provided Chase neglected to continue the investigation and pursue this chargeback in violation of 1666. Correction of billing errors

Company response to consumer: Closed with explanation