vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On Monday XXXX XXXX, I received an email from the chairman ( it was her full name but turned out it was n't her ) of the small non-profit company I just was elected Treasurer to transfer {$2400.00} to another Chase bank account ( ours is a Chase account also ) in another city. The email had her full name and my name and email address. I went to the XXXX, WA bank branch and made the transfer. The woman helping me even commented the routing address the transfer was going to was in a different state than the address on the email. But it went through. Later that evening I was talking to the chairman and she said she did n't send the email. I then called the Chase Fraud line and was told ( after being on hold a few times and passed around to different departments ) that because the transaction was made by me in the bank ( as opposed to being done online ) that they could n't do anything and I would need to call the bank in the morning. I called again later to see if they could at least stop the transaction since they told me it still showed pending and I gave them the whole account number, I was told they could n't do anything with the funds until they had been deposited in the transferred account without contacting the owner of that account. This was the person who was swindling the money! Of course they are not going to refund it!! So I called the bank this morning as soon as they opened and the woman who helped me said she would call her fraud dept. and get back to me. When she called me back she told me they would not cover the funds because I instigated the transaction. ( Even though I tried calling before midnight to try and stop the transaction! ) I have attached the email I received with the account info and name the funds were transferred to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: IN

Complaint narrative:
I told them that this is not me. I have never been to this part of Florida. i have never been in an ambulance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
Leased XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX, KY. Loan financed by Chrysler Capital. The motor vehicle tax ( MVT ) and registration fees were of course paid at that time - in XXXX.. In XXXX XXXX Chrysler Capital added the MVT and registration fees to our XXXX car payment. In XX/XX/XXXX we received a bill from the XXXX County clerk that the MVT & reg. fees were due - in XX/XX/XXXX. instead of XXXX. Apparently there is an entity, Santander bank, that pays these charges inXX/XX/XXXX. and then Chrysler Corp. bills us. We received this notice on XXXX XXXX and had to go to the Clerk 's office to pay these fees as Santander had not, and we faxed notice of payment to Santander on that dayXXXX. In speaking with Chrysler Capital, they told me that Santander had paid the fees after we did on XXXX/XXXX/XXXX and that before our acct. was unblemished Chrysler Capital had to receive a refund of their payment. Why they paid the fees after we had faxed them proof that they had been paid is unknown. Nevertheless, if we must continue to renew our registration in XXXX instead of XXXX we will have to pay these fees 4 times on a 3 yr. lease- XXXX XXXX - XXXX XXXX - XXXX XXXX and XXXX XXXX. The lease expires in XXXX XXXX. Two calls a week apart to Chrysler Capital yields apologies but that they are unable to resolve the situation until they receive their refund for XXXX which in my opinion is no fault of ours, as we paid the fees on time and faxed to them the proof of payment. There is no more that we could have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: AL

Complaint narrative:
EQUIFAX IS SHOWING XXXX XXXX ON MY CREDIT REPORT TWICE ONE HAS A XXXX BALNCE ONE HAS A BALANCE OF XXXX. SHOULD ONLY BE 1 ACCOUNT XXXX  BALANCE. PLEASE REMOVE THE 2ND ACCOUNT ONLY 1 ACCOUNT WITH CREDITOR. XXXX XXXX IS SHOWING INCORRECT BALANCE. BALANCE IS XXXX THIS WAS PAID THRU A 3RD PARTY COLLECTION AGENCY PLEASE VERIFY WITH COMPANY. XXXX XXXX IS SHOWING 120 PAST DUE THAT IS INACCURATE INFORMATION PLEASE CORRECT. O DAYS PAST DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank XXXX XXXX XXXX deducted USDXXXX from my savings account for an international wire to my overseas account, but it never arrived. On XXXX XXXX, I went to TD Bank in XXXX XXXX do a wire transfer for USXXXX to my account in XXXX XXXX XXXX The money was deducted from my savings account. They said it will be there in 3-5 days. But it never arrived and I called TD Bank several times as they performed an investigation. Without giving any explanation on what happened, they said they wired the money XXXX XXXX or two weeks later, and that it would appear in my account XXXX XXXX. On XXXX XXXX, the money is still not there and I called them again. They said XXXX XXXX has confirmed that they 've received it and I just need to wait for the latter to show the money in my account. I called XXXX XXXX and they asked for a reference number to identify if money has indeed been sent by TD Bank in XXXX. I called TD Bank in XXXX for the nth time, and they said the money was never deducted from my account - I promptly reminded them that the deduction appears in my account. So now, while on the call, the customer service representative is finding out what 's happening. She 's 5th one I 've spoken to, and each time the story changes. This last one did n't even know the very first thing  about the complaint - the money was deducted, but was n't received. It 's been almost a month and my XXXX XXXX dollars is still missing. UPDATE : Customer Service just came back to say XXXX XXXX returned the money due to an erroneous account number, but after conversion rates, only USDXXXX was returned to my TD bank account. I basically paid USDXXXX for a service they did n't perform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Last year i had listed my property to try to sell it to avoid foreclosure. I had to file for a chapter XXXX  bankruptcy to stop everything from going foward. I am now dismissed from the bankruptcy. The servicer has agreed to accept a short sale on the property. So my property was listed and they gave no amount but i got a couple of offers and submitted them to the servicer. They then denied offers and made the price XXXX. I had more showings and another offer for XXXX. They denied again and raised the price to XXXX. I then had an appraiser come in and appraise it at XXXX. My attorney subbmited to them and denied it. Still wanting XXXX. My property has been actively listed for almost a year now and i can not get it sold. The banks unwillingness to accept any offers. They are holding me XXXX it seems like. I have tired everything. I am a mother of XXXX kids and recently separated. This was my parents property and when they passed away i was unable to pay the mortgage due to major financial hardship. The servicer does not keep a price and keep changing their minds. I dont feel it is right how they are handling this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I was   XXXX   some time ago and can   XXXX   XXXX   XXXX   I have been working with  XXXX   XXXX  and his team to negotiate a short sale with  Specialized Loan Servicing.  They were able to find a Buyer however, the bank is not willing to look at the offer. They say the foreclosure is too close even though it is a month away.

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 2017-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Due to financial hardship I was in a status called forbearance and deferment for over 12 years. Navient allowed this process to continue until 2 years ago. I was told I could not postpone the process any longer. I filed bankruptcy in XX/XX/XXXX and I was told I could not include any of my student loans with Navient. I got a Divorce and lost my home and relocated to another state to start over. I am a Veteran of the XXXX XXXX XXXX XXXX and is currently living with a friend to try to help my Son attend college and care for my XXXX year old daughter as a single parent. My XXXX year old veteran of the XXXX has also had to move in with me and she is unemployed. I feel I will be paying Navient until the day I die. I can not afford this and try to rebuild a life for my family with the cost of living as high as it is in XX/XX/XXXX. What help is there for me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PINNACLE RECOVERY, INC.
State: TN

Complaint narrative:
This all started in 2016 when I opened a account with XXXX XXXX. I found a {$11000.00} Debit and a collection agency tied to this information Pennical.
Their client for whom they were collecting for was XXXX XXXX XXXX XXXX XXXX. Someone has purchased a timeshare from this resort in my name. I have alerted Pennical several times I have never been to this resort and never ever purchased a timeshare. The response I got was they increased the debt to {$14000.00}. I have called the resort only to be referred to Pennical collections. I requested the paperwork for this account and Pennical representative claimed he would email it. Never received anything.This has turned into some type of sick game for the collection agency and it has ruined my credit. Please help me this is not my purchase.

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 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has also failed to provide a response to the QWR and NOE submitted in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

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 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter from Citi Mortgage on XX/XX/XXXX that they had purchased my loan. I sent a Q.W.R. to Citi Mortgage and ask for 3 things 1. Copy of the note as it is today with any and all endorsements. 2. a copy of all payment records from when the day the note was signed until today. 3. The physical location of the original blue ink signed note so i may review the original. I received a response from Citi Mortgage on XX/XX/XXXX which included a copy of a mortgage note and the letter stateing that the loan history would be sent under separate cover. However no mention of where the physical location of the original blue ink signed note is located. Today i am sending my 2nd request to Citi Mortgage for them to provide the location of the Original blue ink sign note.

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 2017-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MI

Complaint narrative:
RE : XXXX XXXX XXXX Bank Credit Card issued to XXXX XXXX XXXX and XXXX XXXX XXXX In XX/XX/XXXX there was NO correspondence whatsoever pertaining to any balance. Our card was paid in full with no balance. We received no emails whatsoever, nor did we receive any actual mail through the USPS. We validated all forms of contact and identity. The first we heard of any kind of amount due was a late/collection notice in XXXX, stating the annual fee was due in XXXX/XXXX. There had previously been no lates, no balance, nor any annual fee charged in previous years. When we tried to further inquire, US Bank stated we needed to mail them a letter requesting the reversal of the late charge ( s ). We did so immediately and never heard back. In XX/XX/XXXX we received a statement with a XXXX balance, with XXXX amount due. In XX/XX/XXXX we received a statement, citing {$78.00} due, of which {$29.00} was a late charge. When we called in to speak with US Bank, one of the 2 supervisors we spoke with stated that on the back of the XXXX statement that showed a XXXX balance it noted that the {$49.00} would soon be due. There was no statement in between no amount due, then annual fee and late charges issued ( from the XXXX to XXXX statements ). We were never presented the opportunity to pay the annual fee in advance, in either instance. My complaint and desire for resolution is for US Bank to remove any and all lates reported to any and all credit bureaus for XX/XX/XXXX and XX/XX/XXXX due to deceptive inconsistent communication leading to unwarranted credit issues. We have made sure that the USPS always had and continues to have a mail forward on file to avoid such issues while we purchased our home. No other cards or accounts have had this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 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: AL

Complaint narrative:
ON XX/XX/XXXX I FILED A COMPLAINT WITH THE CFPB COMPLAINT NUMBER XXXX. ON THE MORNING OF XX/XX/XXXX I CHECKED MY CREDIT REPORT VIA XXXX XXXX AND EQUIFAX HAD REMOVED SEVERAL ITEMS FROM MY CREDIT REPORT AND MY CREDIT SCORE HAD WENT DOWN 185 POINTS. EQUIFAX HAD DELETED MY XXXX XXXX  ACCOUNT BUT AFTER I DISPUTED AND SUBMITTED TO CFPB THEY PUT IT BACK ON MY CREDIT REPORT BUT THEY DID NOT PUT MY POINTS BACK. IF YOU LOOK AT MY CREDIT SCORE ON XX/XX/XXXX IT WAS XXXX  POINTS. ON XX/XX/XXXX IT WAS XXXX -- -185. EQUIFAX HAS NOT PUT MY POINTS BACK. I FEEL THEY ARE NOT SCORING MY REPORT PROPERLY. I HAD 2 BANKRUPTCY REMOVED AND MY CREDIT SCORE IS NOT REFLECTING A INCREASE IN MY SCORE. ALSO ON XX/XX/XXXX EQUIFAX HAD DELETED XXXX INQUIRIES FROM MY CREDIT REPORT AND ADDED THEM ALL BACK ONXX/XX/XXXX I SENT CERTIFIED LETTERS TO ALL OF THE CREDITORS ADVISING I DID NOT AUTHORIZE THESE INQUIRIES I DISPUTED WITH EQUIFAX THEY REMOVED THEM FOR 1 WEEK. AND PLACED THEM ALL BACK ON MY CREDIT REPORT TODAY XX/XX/XXXX. I AM ASKING EQUIFAX TO LOOK  INTO MY CREDIT FILE AND SCORE MY REPORT FAIRLY. THERE IS NO WAY WITH ITEMS REMOVED AND 2 BANKRUPTCY MY CREDIT SCORE HAS NOT INCREASED BUT DECREASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: EVERBANK, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have told them this is not my account on several occasions. They have not offered to help. It needs to be taken off of my credit reports. It looks like it has been paid or transferred but for some reason it is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: NY

Complaint narrative:
I have been my sister 's legal guardian for over 5 years. She turned XXXX last week on XXXX XXXX, XXXX. We tried to register her online with SocialSecurity.gov to receive her benefits ( because her mother is deceased, she gets benefits ). When we were asked security questions, we answered none of the above to all of them. She does not own a house, have a mortgage, a car or a credit card. She just turned XXXX and by law you can not obtain any form of credit until you 're XXXX. We received a message stating because she could pass the verification process and we answered the questions incorrectly, we could not register online. We went ahead to try to obtain a credit report via XXXX and the same thing happened. We are not stuck at a stand still. We ca n't obtain a copy of her credit report to dispute what is on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Locate Services LLC
State: PA

Complaint narrative:
They are trying to collect on a XXXX payday loan debt, but i will refuse to pay and i do not want them to call me anymore!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a letter in XXXX stating I only had {$3200.00} in flood coverage. I called my insurance agent who sent me and faxed Wells Fargo the declaration page showtime clearly had $ XXXX coverage. I called Wells Fargo to make sure they had what they needed. They said they had it and nothing else needed to be done. I just received another letter dated XX/XX/XXXX that I did n't have enough flood coverage again. I called both mortgage and my insurance agent who uploaded to their system, faxed to them and emailed to me the same declaration page showing we have had coverage the entire time of the loan for the full amount of $ XXXX. I was told to wait 24-48 hrs to make sure they have it. I called today Wells Fargo states they do have it, they also had itXX/XX/XXXX. I asked for something in writing today showing it was all taken care of. I was told yes by 3 people that I could get a fax today saying it was done. I then get the recovery XXXX XXXX XXXX that says I ca n't get this letter today. She said she will open a case # XXXX I asked to speak to XXXX XXXX in her department since he handled the first issue. He was n't available and I was told I could n't hold. I left him a message. I also have the issue that on XX/XX/XXXX {$540.00} was deducted from my escrow for flood gap insurance that they purchased for me. I DID NOT NEED THIS. They had my info showing I was fully covered. On XX/XX/XXXX they refunded partial amount back {$470.00}. There is a {$73.00} difference that they kept. No one can tell me why and I spoke to 4 people today. I was told by the first 3 that the {$73.00} will be fully refunded. Again they wo n't put in in writing for me today. The very next dayXX/XX/XXXX they took out another {$470.00}. Not 1 person today could tell me why. I spoke to 3 people in the insurance department and then XXXX XXXX in Customer Care that was no help, very rude, continued to interupt me and try to over talk me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I had a settlement amount for Portfolio Recovery Associates for a XXXX debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XXXX, my balance on my settlement would have been {$110.00}. In XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.

Company response to consumer: Closed with explanation