vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My son filed for bankruptcy he is a XXXX, Equifax is reporting his bankruptcy on my credit report. 
I have spoken with the US Bankruptcy Court XXXX and XXXX Consumer Service neither has this in their data base as being mine. Only Equifax is reporting this inaccurate information. I have being trying since XX/XX/2017 to get this off my credit report to no avail.I am attaching a copy of my son 's bankruptcy discharge papers to show this is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I had fraudulent accounts added to my credit file. Ashro was one of them. Items were purchased. I contacted Ashro and sent them copies of police reports, etc. I even offered to pay the account if they would remove it which they agreed. I sent the letter and payment. The payment was cashed. The item has not been removed. Not only is this fraud but they did not keep their word and remove the account after I paid for it. This item is still showing up on XXXX. All other agencies have removed this account.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
All of my student loans are showing original principals lower than the ones I am seeing as current principals. Why am I being charged hundreds more in principal than what I originally took out. For example, one of my loans is saying the original principal and amount taken out was {$2000.00}, yet the loan 's current principal is {$2100.00}. How? 

Also, why is it that my loan has remained over {$15000.00} when I have been paying on time and for 5 years? A rough guesstimate shows I 've paid over {$4000.00} in payments and yet it does n't appear that I have. I have never defaulted on payments or skipped a payment. I have paid off 2 car loans in these 5 years, which shows that I am making payments and progress on those, yet my school loans show no progress. Why? 

I would also like to know why it is that I am not allowed to pay more up front for my loan and why I ca n't decide where my payments go.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RJM ACQUISITION LLC
State: MO

Complaint narrative:
I owed XXXX XXXX XXXX for a checking acct. RJM acquisitions XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ; XXXX purchase the debt and offered a reduced payback. I have been paying them for over 2 years and have a current settlement balance of {$340.00}. Recently another Debt collection Agency reported to my credit report that I owed them {$700.00} for XXXX XXXX XXXX with no acct # attached. When I tried to make my current payment as usually to RJM the website is no longer accessible. XXXX XXXX is the collection that attached a claim to my credit but In have n't received any info from them and they reported I made a payment to them in XX/XX/XXXX for the same I paid to RJM in XX/XX/XXXX. I have paid 1/2 my debt settlement to RJM. I disputed the complaint with XXXX and only received a response that they updated my account but when I reviewed XXXX XXXX was still there. I do n't have a problem paying the debt but I do n't think another debt collector should be trying to collect on a debt I 'm already paying with no contact and the amount they are charging is double of the balance left owed to RJM because I have been making the payments.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: ARC Services
State: TX

Complaint narrative:
The company in question. Sent a typed letter and hand wrote mine and my wife 's SSN # on the letter. This is a breach of state and federal law and I want to pursue action against them.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ARC Services
State: NC

Complaint narrative:
I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In or about XX/XX/2016, I took advantage of a no interest promotional check through my XXXX Rewards Mastercard through Chase. To earn points, I make all of my purchases on this credit card and pay my purchase balance in full every month to avoid interest. I recently noticed that I was being charged interest and when I called to inquire as to why they stated that when I accepted the promotion, I forfeited my 30 day grace period on purchases. I accepted that this was an error on my part by not reading the terms and conditions and I wanted to promptly pay off any purchases on which I was being charged interest on daily. Being that the balance was over $ XXXX, I had to pull the payment from multiple accounts. When I went online to make those payments, I was able to process the first payment but not additional payments from additional accounts so I called customer service. When I spoke with an Account Supervisor named XXXX, he informed me that he could take multiple payments over the phone but the payments would not be applied to the purchases I was accruing daily interest on but rather the promotional balance because the purchases have not been through a cycle so the only way I could pay off purchases I 've made since my last statement would be to pay off my entire balance including the promotion. My other option is to wait until my cycle ends and be charged interest daily before I have the option of paying off my purchases.Since I 've never had a company that started charging interest on purchases the day that the purchases were made, I find it highly questionable that they are not allowing the option to pay those purchases off daily?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My Wife was the victim of a scam and computer fraud. She received a phone call from someone indicating a relationship with XXXX and XXXX that her computer was hacked. She was directed to a web site where the caller showed her various obscene images and offered to remove them for a fee. My Wife was then duped into giving the caller several credit cards ( with security codes ) - all of which the caller alleged said did not go through until she was finally able to use her Chase Mastercard. Then the caller - representing XXXX - took control of her computer and literally took several hours to allegedly clean it up. When I returned home, I recognized that this was a scam. I immediately advised by Wife to contest the charges ( {$250.00} ) and to close All of the Accounts where she had given Credit Card information, which she die. 
The very next day, we then took the now infected computer to the XXXX who are computer specialists at Best Buy. They acknowledged this familiar fraudulent scenario and encouraged us to have their techs inspect the computer. They found XXXX traces of infection and over XXXX suspected malware issues. They then proceeded to delete all of the spyware and infections, and we purchased a XXXX - XXXX program. Total Cost {$210.00}. 
Since then, Chase has failed to remove the fraudulent charge from my Wife 's account. They cite a fraudulent contract with XXXX which was NOT signed by Wife. In addition, they refused to recognize the information that we provided Chase with all of the documentation from Best Buy showing that the computer was severely infected and that XXXX really did not perform any service at all. They simply wiped off what they apparently put on the computer when my Wife was directed to their companion site. Although no real services were performed, Chase continues to send letters saying the balance of {$250.00} is due. Their letters arrive almost two weeks passed the date on which they are written. Chase appears to be complicit in allowing this scam and computer fraud to continue by failing to remove the fraudulent charges from my Wife 's account. 
I can provide Account information and Chase 's contact information to help resolve this matter. Thank You. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Unemployed. Unable to repay loan. Account # XXXX. Unable to repay loan due to unemployment. CashNet has threatened collections procedures without deferring my account. Constantly charging high interest that I ca n't afford. I can only repay the {$800.00} amount borrowed. My situation has changed that I can only pray back the amount borrowed without the extremely his interest. Collections will hurt my chance in securing my chances to employment. I want to.avoid filing bankruptcy proceedings.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX at Chase Bank, someone pretending to be me presented fraudulent checks and asked for the money to be given to them immediately. The checks of course bounced and the bank withdrew the money from my account. The checks were for {$1500.00} and {$1900.00}. None of this seemed suspicious to the bank. They initially denied the claim for reimbursement. They claimed that the information matched what was on file and that the signature matched. I have seen the endorsement of the checks and the signature clearly does not match. I also do not believe they verified the driver 's license number, nor did they ask for the debit card. My wife threatened to sue and they reopened the case. They claim that they have 30 business days to investigate. This sees extremely unfair to me as they gave my money to someone who is not me, expect me to be without the {$3400.00} because of there mistake, and expect me to wait 30 business days for money that I need to pay billls. Also, I am sure that be looking at the security camera footage at the bank it should be easy enough to prove that it was not me that the gave the money to. With the way that the bank has been treating us throughout this process, I have no confidence that they will refund the money. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have filled a number of complaints about this company and the way that my mortgage has been handled. Most recently I filled a complaint stating that the bank was asking me to provide information that we had already provided and or information that was not relevant to my request to short sell my home. I received a response from Wells stating that they did in fact find errors in the way that my account was handled and that they were asking for things that were not needed. Also they approved my request for a short same right away after they admitted that mistakes were made. I am not sure that they reviewed the entire 23 months of my short sale process so far, or only the recent months. I want confirmation hat the entire time frame was reviewed because we have been going through this, and having the same problems this entire time! The customer service and the staff knowledge at Wells Fargo is horrible! 
I called to address this with Wells Fargo and explained that if they made mistakes on my mortgage and that it caused me to fall even further past due then they needed to fix the reporting as they were at fault for the time frame that this has been taking. The individual that I spoke to claimed that the entire time frame was reviewed but I have a very hard time believing this given their track record. She also told me " you have not made a payment for 22 months ''. Why yes ... I have not paid for 22 months because I have been trying to short sell my house and I can not make a payment while trying to sell my house! She assured me that she would review this and would reach out to me with her " findings ''. Shortly thereafter I get a letter in the mail ( attached ) stating that they were not going to change the way that the account was reported. 
I find it so sad that this bank can just mishandle accounts and not have any accountability for their actions. If my account was handled confidently and in a timely fashion I would not be this far past due. We probably could have had this completed MONTH if not YEARS ago!!! I know that Wells Fargo is known for opening checking accounts without the customer 's knowledge but it appears we should add " ruin customers financial futures for the fun of it '' and of course not hold you accountable. That sounds about right. Shame on 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 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I used to have a college checking with chase and a few credit cards. When i closed my college checking that i had opened with them of 5 years. I Left and came back to Chase bank and opened a Total Checking account, I was in good standing with Chase all this time. Then recently my Total Checking account was closed for no reason. I went into the Chase XXXX, TX branch and was advised by the Banker that my accounts are marked as Fraudulent and that no further accounts should be opened at anytime. He showed me the notice posted to my accounts and name within Chase Bank system. This is redicules, I should n't be marked as fraud as i have never committed fraud within chase at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted Chase Bank to assist me with XXXX Chase cards who 's interest rates on the debt have imposed financial hardship on our family of XXXX, with XXXX children in College. While we always pay our debts, even cashing in much of our retirement to do so, Chase 's unwillingness to consolidate the {$14000.00} on my accounts and lower the interest rates inhibit my ability to pay off the principal balances, and threaten the well-being of my family. Chase offers numerous opportunities for kids of different races to lift themselves up, and posts pictures of " One Republic '' concerts, and yet can not help the average American family who is honestly trying to do the right thing. I could just not pay the bill and let it go into bankruptcy, but yet I am trying to pay what I owe. This is a massive bank offering Chase Slate members 0 percent balance transfers for 15 months ... why can they not help me put this {$14000.00} debt into one place and assist me with my efforts to pay what I owe? And Chase Bank is claiming " Corporate Responsibility! '' They are only responsible for leading the American Family into massive consumer debt and relying on Social welfare in their retirement, when they have none to rely on, because they are too busy scamming the consumer on interest rates that are prohibitive : 29.9 % - 16 % ( My interest rates. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
This company is reporting a debt to credit bureau and never sent me a letter. I have sent them a letter requesting verification and have not received a response.

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 2015-04-29 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Asset Management, LLC
State: NJ

Complaint narrative:
The company that has called me is Pinnacle Asset Management. They have stated that I owe a debt for a payday loan. However, I have never taken out a payday loan with the company that they are claiming they represent. When I asked for evidence that the debt is valid they refused and only stated that I have had a letter sent to my home. I have not received any such letter nor have I received an email which they also claim they sent. When I contacted the rep to request that they validate the debt with either the original contact information of the creditor or by providing me with documentation showing that I signed off the " loan '' they refused to comply and stated that they did n't have to do that since they were the mediator. The rep name XXXX then proceeded to insult me by calling me professional debtor. He then pulled up my linked in account and proceeded to read off the information on my linked in account and threatened to contact the people in my list by telling them that I was a professional debtor. He then hung up on me and would not pick up my calls afterward. Another rep was calling my mother and other friends and family.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN INTERNET MORTGAGE
State: TX

Complaint narrative:
Aimloans advertised a mortgage rate with a certain APR. After I filled in an application, they, I saw a DIFFERENT APR /fees. When I inquired, a representative informed me the fees are third party fees??? then what is the point in publishing the APR if it does n't include the TOTAL FEES? 

XXXX 
RE : AimLoan Application - Started But Not Yet Completed CRMXXXX Inbox XXXX XXXX XXXX XXXX XXXX ( 17 minutes ago ) to me Hello XXXX XXXX This is not false advertisement. The information is based on Aimloan and what we charge for our lender fee. The other fees involved are third party fees and are not included in the information quoted on a third party site. While not all lenders subscribe to this way of doing business I can assure you it is a standard practice. I apologize for any confusion. 

Thanks so much XXXX XXXX XXXX Loan Officer - NMLS # XXXX Direct Phone/Fax XXXX XXXXXXXXXXXX My normal office hours are XXXX XXXX M-F " Our mission is to provide the lowest cost, most convenient mortgage in America. '' www.aimloan.com From : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Monday, XXXX XXXX, 2017 XXXX XXXX To : XXXX XXXX Subject : XXXX : AimLoan Application - Started But Not Yet Completed XXXX so this was a false advertisement? please change the ad so it will not mislead others. 

XXXX image XXXX On Mon, XXXX XXXX, 2017 at XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX XXXX wrote : Thats funny, last year I got a rate from XXXX from a lender. When I went through the process, the APR was exactly as advertised. 


XXXX On Mon XXXX XXXX XXXX, 2017 at XXXX XXXX, XXXX XXXX XXXX lt ; XXXXXXXXXXXX XXXX ; wrote : Hi XXXX XXXX XXXX does not take into consideration any third party fees. When you do a rate quote from XXXX you are only seeing the lender/origination fee. When you get the same quote from Aimloan.com you are being quoted lender/origination fee plus title, appraisal, recording, etc. 

XXXX XXXX Loan Officer - NMLS # XXXX Direct Phone/Fax XXXX XXXXXXXXXXXX My normal office hours are XXXX XXXX M-F " Our mission is to provide the lowest cost, most convenient mortgage in America. '' www.aimloan.com From : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Monday, XXXX XXXX, 2017 XXXX XXXX To : XXXX XXXX Subject : Re : AimLoan Application - Started But Not Yet Completed CRMXXXX Hi XXXX XXXX I am traveling this week but been meaning to talk to you. I found some really good rates on XXXX that leads back to your company. But when I was on aimloan, I notice the rates changed and the APR was ALOT higher. There was a package mentioned on XXXX that says total cost was something like $ XXXX. But then when the information on your site suggests something like $ XXXX. 

I was looking re-finance a property with the least amount of cost available. 


thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing has received a signed notorized Police Report and still continue to report Fraudulent information on my credit. This has to stop, this company ca n't continue to ruin peoples lives. I ca n't get financed for anything because of this, I pay ALL my bills on time. I work to hard to not be able to reap the rewards I value my credit.

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