vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This complaint Involves the XXXX XXXX XXXX  and Chase Bank. 
On XX/XX/XXXX of XXXX I initiated the wire transfer for a real state closing from my bank account over the XXXX XXXX to the beneficiary and account holder of the Chase bank in XXXX FL. about 4 hours later I found out the Beneficiary 's account email was hacked and the wire information didn't belong to the closing attorney. Immediately I reported to the XXXX XXXX XXXX at the branch were the transfer was initiated and a FRAUD alert was placed before all banks were closed. The FBI was informed as well as the local police department. The next day was XXXX XXXX and the funds left my account by Friday after the holiday. On Monday XX/XX/XXXX, the branch of XXXX XXXX informed my mother who is the second owner of my account that the funds were frozen at the account 's holder over the Chase, there was a name discrepancy plus the wire fraud alert. 
On XX/XX/XXXX the Wire fraud department of XXXX XXXX faxed an affidavit form that I signed in person and it was sent directly from the Branch where I have my account. 
Over a month after many phone calls, the only answer I always received from the investigator of XXXX XXXX was that the Chase bank didn't reply to the swift recall and they had no information. 
On XX/XX/XXXX, I received a deposit in the amount of {$7900.00} with a recovery claim title. 
I proceed to the branch on the next business day XX/XX/XXXX to enquire about the remaining {$32000.00}. The bank officer contacted the wire department over the phone and she received the information that the amount credited to my account was the only funds the chase returned. The bank officer asked the person over the phone regarding the funds being frozen at the chase after the fraud alert was placed and the information was confirmed by the branch ' Manager, hence, how it was possible the hacker was able to retrieved most of the money? Accordingly to the information released to the bank officer, the Chase bank lifted the fraud alert and allowed the beneficiary " hackers " to disbursed {$32000.00} and proceed to close their account after and send the remaining {$7900.00} to XXXX XXXX to be credited to my account. 

Today I was also aware that after this incident the XXXX XXXX XXXX had change the procedure for wire transfers and now they bank officer needs to verify when a person is sending a wire that the details are correct and legitimate. This procedure didn't apply to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp
State: NV

Complaint narrative:
To whom it may concern, I had applied for a personal loan with Lending Club back on XX/XX/XXXX. I received an incorrect notice of adverse action due to not providing the information requested ( copy of XXXX W2 ). At the beginning i would call every day to request status of my application. It took then about 1 week to give me a the initial needs list. All items were provided within 2 weeks from requested. On XX/XX/XXXX I received a call from Lending Club inquirinf about the status of the items which i had explained were provided then the agent stated that they were pending my XXXX tax returns? To what I explained that I did not have them since the year was not over and there was no way I would have taxes for this year yet, i kept calling everyday to inquire about status to what I had been told it was in line to be reviewed and I finally received my notice of adverse action due to a missing W2 of a job that i had started this XX/XX/XXXX as listed on my application I asked for my application to be reistated and my loan be looked at as a rush to what I was told it was a mistake and that i needed to re-apply, since there was no way they were going to bring my application back alive. If they had contacted me to ask about the w2 i would have explained that there was no w2 available on a job that I had recently started. I feel my application was overlooked and not treated with equality as other customers. Im very much disappointed with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: MI

Complaint narrative:
I took out a title loan in XXXX of XXXX. I was injured in a car accident on XX/XX/XXXX and was unable to work and the vehicle was totaled. My auto insurance carrier denied my claim on the grounds of misrepresentation so they did not pay my work loss benefits. I was unable to make the payments as agreed, and I made the creditor aware of this immediately. I had to file a lawsuit against my insurance carrier to get my past due work loss benefits and medical bills paid. I was terminated from my job as a result of the time I missed from work due to my injuries in XX/XX/XXXX. I am still unemployed and made XXXX XXXX aware of this. I have applied for social security XXXX but have not received a decision yet. XXXX XXXX title loan is calling my loan references that have no financial obligation under the title loan, as part of their collection activity.. I have asked them on several occasions to stop calling my references, and they refuse to comply. I want the harassing phone calls stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: FIRST REPUBLIC BANK
State: NJ

Complaint narrative:
I was notified another lender that these are not categorized as 'educational ' and thus highly penalized, such that they would not extend credit based upon them being classifying as general unsecured installment loans. All advertising states that these are student loan refinances and states '1 The terms of this loan may differ from terms of your current loan ( s ). For example, this loan does not contain special features such as forbearance periods or income-based repayment plans available for some student loans. If the debt you are refinancing was all incurred for qualified higher education expenses or to refinance a qualified education loan under the Internal Revenue Code, the interest you pay on this loan may benefit from certain deductions thereunder, and it may also be the case that this loan will not be dischargeable in bankruptcy. ' I asked that the 3 loans be correctly  categorized as 'educational ' / 'Student Loans ' as opposed to 'OTHER LOANS '.

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 2019-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
The Mortgage company caused me financial hardship then they block me from protecting my investment by blocking me from making payment and refusing payment while I was with in my grace. the extended lock out allowed a negative escrow to grow then they started modification process but since I had one last year they are unwilling to correct the error they caused, I pray I am not going to loose my home as a result of the mortgage companies inadequacies. I would appreciate any assistance we intend to stay in our home. but feel they should modify this error they caused so we can continue to pay the agreed amount granted to us in XX/XX/2019 after they had botch the modification we were granted last fall they had to go back in because they left out the our impounds account from that past modification in error, it took them a while to correct that they got it al corrected then this issue happened. they keep coming up with different past reasons for why they wont current they payment issue, if they would have collected the payments then it would not be a large amount owing now, since they obstructed my rights, by not taking the payments I am writing this complaint. that is predatory and an attempt to rob us of our equity in the home which is over 150K we owed XXXX before the botched modification last fall that _ where they left out the impound accounts- they corrected in the summer. we now owe XXXX but instead of paying the agreed payment XXXX XXXX XX/XX/19 they changes it to XXXX fall XXXX then supposedly after they fix they escrow issue we paid this even though it above the workout agreement. next I sign up for auto pay at my credit union and sent two payments by mistake. I called then told them to only cash one. they ran them both. then after that they refused all payments. I was not even late I was with in my 30 day cycle. it became late because they were asking for like a triple payment in a lump sum or nothing., then they refused payment- so they caused this issue by refusing the payments, then not taking ownerdhip of the error then blaming me as if I didn't have funds to cover the payment. I sent them proof I had funds, sent them proof of there error. they have so many different people calling and handling the account it is a total mess. the dedicated point of contact does not answer incoming calls. and is for all intents and purposes unreachable as far I I am concerned, please see my attached correspondence and documentation to validate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Spoke to 3 different reps, the first one was rude right off the bat and yelled at me. The second one XXXX seemed like he wanted to help while talking to him then he put me on a 45 minute hold period so I can try to figure it out. Called back and spoke to my collections rep XXXX who was very rude, told her to not call my job and she told me well how are we suppose to get the funds? I told her under the fair debt collection law if I saw dont call a number you cant call for her to say ok Ill put down you refused to pay. I told her Ill keep calling because I did not say that. I called back and was transferred back to her I correct her on his mispronouncation of my name for her to say is very sarcastic back and how me telling her not to call my job wouldnt do no good. Told her I wanted to speak to XXXX but told me he was busy then she eventually transferred me over to him. Told him how extremely rude she was and all he said was ok Im sorry. Told him someone needs to go over customer service skills with her on how she talked to me, for him to get loud/yell at me and tell me Im wasting my time talking to him and I need to be figuring out how to get the money I owe. Then I told him not to call my job either and under the fair debt collections act you cant call if I say so for him to get loud/yell again. Told him I was going to talk to a lawyer because I feel like my rights under the collection act have been violated he said how are you going to get a lawyer if you cant pay us back and he can tell Im the type of person to owe them money. Told me I owe a little over 1400, told him I only received a letter for XXXX and wanted proof of the XXXX. XXXX told me he would email it to me, gave him my email never received anything.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried a few times now to get this false name off my report. XXXX XXXX XXXX was never a legal name for me. Equifax had this name on me for 3 years. Now after they half-heartedly corrected my name to XXXX XXXX XXXX, they are still sending me mail in this fake name. I have attached the document I received in the mail today, XX/XX/2019, that is addressed to a made up person, or possibly somebody has this legal name, I do not know. I STILL need this false name off my record. I have had difficultly clearing security with Equifax over the years and I wonder if it is because some false information is reported on my account. I already reported to them every identifying piece of my identity and they still refuse to call me by my legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
In XX/XX/XXXX I received a letter from a collection agency XXXX XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : Paypal Inc., regarding an amount owed of {$80.00}. As the only account I have ever had with PayPal was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me. 

I contacted PayPal Credit and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at PayPal, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved. 

In XX/XX/XXXX, I received a second collections letter, but this time from a XXXXXXXX XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or PayPal credit even though I was told someone would contact me. 

I assumed the issue was resolved until I received another letter from XXXX dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from PayPal indicating no change to collections balance. I was transferred to PayPal credit who could no longer locate the account to investigate further. payPal then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with PayPal initially. At this point PayPal gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent. 

Note that between XXXX when this account was created to XXXX I never received any communication from PayPal via phone, e-mail or mail indicating that I had an outstanding account. 

I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by PayPal would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother  helping figure out how to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OK

Complaint narrative:
I finished my XXXX XXXX in XXXX of XXXX and went back for my XXXX XXXX in XXXX of XXXX. The deferment I had only lasted till the middle of XXXX of XXXX and a repayment was scheduled for a few days later. I was late on the XXXX and XXXX payments in XXXX and started getting calls in XXXX. I called back because I thought they didn't have me listed as enrolled ( they didn't ). I was told they would apply forbearance to my account and everything was taken care of all I needed to do is get my school to confirm my enrollment. Recently, I have been looking into a private student loan to cover XXXX  school and am working on my credit. I noticed my payment percentage is relatively low and found out the payments that had forbearance applied to them are shown as late and 100+ days past due. I talked to my loan servicer ( FedLoan ) and figured out the part about the forbearance as it had been long enough I had trouble remembering. I asked them why they were still listed as late and they told me since the forbearance was retroactive they are still late. From my understanding that doesn't matter since the payments are not being required and is true regardless of whether or not it is retroactive. I haven't seen any comments refering to the forbearance on my credit report either and asked if them not correcting the payments violated 632 ( a ) ( 2 ) of the FCRA  and they didn't say anything definitively just insinuated I wanted them to do me a favor. I have all the email correspondence if it is needed. I may be wrong about it, but from what I've seen it I don't think it works that way and it is really felt like they have tried to push me to not question any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
RECEIVED A ALERT THAT MY CREDIT WAS BEING APPLY FOR FROM XXXX THAT WAS AUTHORIZED BY MYSELF.

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 2019-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
An account with XXXX XXXX XXXX  was opened without my permission. I have contacted them numerous times to no avail. They sent me a letter stating that they sent the card to an address that I never lived at nor have I ever been affiliated with. This is unacceptable. Sending me proof that it was sent to a bad address does not prove anything ; it shows that this was clearly fraudulent. Please remove this account from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK
State: NV

Complaint narrative:
On or around XX/XX/2019, TCF Bank ( Wisconsin ) conducted an administrative closing of my primary checking account. They intercepted my direct deposit funds from my employer, with a balance of {$330.00}, and they are refusing to relinquish the balance of my personal money property, and are attempting to steal my funds, by extortionate means. 

I was told to send a notarized letter to TCF Bank, requesting for my mailing address to be updated, in order to have my funds returned. 

I have made several attempts to find out when my funds will be returned, but to no avail. The bank keeps telling me that they are processing the cashier 's check that was promised to be sent to me, in a timely manner. 

On XX/XX/2019, TCF Bank received a " notarized '' certified letter in regards to my request, and they still refuse to return my personal money property, by way of theft. 

TCF Bank has closed my checking account, and refuse to return my balance. I would like for my funds to be immediately returned to me, as I do not authorize TCF Bank to take control over my personal money property funds from this point forward. 

Respectfully submitted, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
Credit Card failed to process balloon payment when outstanding balances came due. They then retroactively assessed a significant late fee.

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 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I opened this credit account last winter, almost one year ago. I had an emergency at my home and needed some type of credit to pay for needed construction work. I was given a small line of credit, I believe {$500.00}. At the time I had expected to be able to pay this debt off in under six months. I am not saying I did not agree to the terms. I did. That is not what this is about. Unfortunately, my husband got laid off only a month before. We thought he would have been back to work in no more than a month but it did not work out that way. it took longer than expected, just over two full months and of course we didn't start seeing paychecks until almost three months. We were hard pressed to even pay our mortgage which we had to make principal only payments on for a few months. We had to put oil in our tank, and pay all our essential bills, including several credit card payments, this being one of them. It took us well over six months to recover from the hardship especially since I was not working. I recently noticed, my monthly payments werent ' making a dent in this debt. I contacted the bank asking if something could be done, to lower the interest rate and maybe remove some of the interest etc. I was promptly denied. I had also approached another bank with another credit card and had very positive results. The bank worked with me and removed a few hundred dollars of interest and put me on a 0 % for the remainder of that balance. I was very pleasantly surprised. However, Barclay refused to do anything to assist us. Nothing. I have since gone on XXXX  XXXX in early XXXX. To this day we are still struggling and feeling the effects of my husbands lay off last XXXX. I can not believe that I have to pay hundreds of dollars of interest on a {$500.00} charge. It is insane. I don't want to have to make an ugly decision, like having to default on this credit card but I can not continue with this debt. I need help. The interest rate on this card is very high and I feel the bank is taking advantage now.

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