vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase card services : amount of {$10000.00}. Account Number XXXX I called Chase bank after receiving my credit report by mail. I saw that their was an account with Chase card which I never opened and their was an amount to pay. I did not recognize these charges or ever having this account opened so I immediately called chase and reported this, then I got hold of all 3 credit companys and placed a fraud alert. I filled a police report in XXXXXXXX XXXX XXXX XXXX wa and also did an online Identity theft report with federal trade commission. I got emailed social security services reg my identity being used. I called Chase bank services again to get an email add were I can mail all my remaining documents, when I called I got a very rude person on the phone and who was talking very disrespectfully and did not want to seem to help at all. I finally was able to get the email and sent in required info that would be useful for them. 

XXXX XXXX XXXX XXXX XXXX loan services : amount of {$8000.00}. Account number XXXX I called XXXX after receiving my credit report and saw that their was also this account opened under my name. I was not familiar with account and never had done business with XXXX. I recvd a dispute form from them, which I filled out and sent back over along with my IDENTITY THEFT police report, my federal trade commison Identity Theft report and my dispute forms from all 3 credit company 's as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
We asked for proof of debt from XXXX XXXX XXXXXXXX which was never delivered. On XX/XX/XXXX their company ( from number XXXX which I verified was Portfolio Recovery ) called at nearly XXXX XXXX. I have screenshots and can provide phone records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: CITIBANK, N.A.
State: AL

Complaint narrative:
OnXX/XX/2017 my government credit card was charged twice by XXXX XXXX for the same flight for {$560.00}. When I disputed this charge with my credit card they told me XXXX told them it was a proper charge even though I had a receipt that showed the errant charge. They cancelled my card and threatened to garnish my wages if the money wasn't paid but I again sent them proof that it was a double charge and that XXXX inappropriately charged my card twice for the same ticket. I finally got XXXX to admit the mistake and refund the money but Citibank decided to charge an extra {$80.00} fee to the card. They then received a letter saying my military retired pay was being garnished to pay back {$710.00} which just seems to be a made up number.

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 2018-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
ON MY EXPERIAN CREDIT REPORT THE ACCOUNT FOR XXXX ACCOUNT NUMBER XXXX THIS ACCOUNT WAS OPEN INXX/XX/XXXX AND I STOPPED MAKING MY CABLE PAYMENT TO THEM IN XX/XX/ DUE TO THE FACT THAT I HAVE MOVED AND I WAS UNABLE TO GET XXXX ON WERE I LIVED. THIS ACCOUNT IS REPORTING UNDER MY BANKRUPTCY AND DISCHARGE ON MY EXPERIAN CREDIT REPORT. THE ISSUE I AM HAVING IS IT REPORTING THE WRONG DATE AND YEAR WHEN I BECAME LATE. IT SHOWING XX/XX/ IT SHOULD SHOW XX/XX/XXXXON MY EXPERIAN CREDIT REPORT IS SHOW SHOW FIRST REPORT XX/XX/ NOT XX/XX/

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 2018-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
5 fraudulent charges to my debit card at five different places. spotted it online, went to union bank to have stopped. was told by XXXX XXXX it could not be stopped because it was pending. filed complaint with bank # XXXX in writing, have called them three times, files complaint with department of business oversight # XXXX they refured me to office of the controller of the currency, filed complaint # XXXX, they refured me to you. I called and am told your the right place.Union bank won't return the money stolen from my account.. I now know the transactions could have been stopped. bad advise from bank. Want my money put back and additional punitive damages if possible. thanks

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 2018-02-20 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 — Investigation took more than 30 days
Company: SUCCESS MORTGAGE PARTNERS, INC
State: MI

Complaint narrative:
Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is XXXX XXXX XXXX and as XXXX XXXX neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is XXXX XXXX XXXX and as XXXX XXXX neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.

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 2018-02-20 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: CA

Complaint narrative:
I've had this problem numerous times with Equifax, with them removing an item ( XXXX XXXX XXXX ) only to have it reappear on my credit report. The time before this complaint was back in XXXX complaint number XXXX. I'm getting tired of this, their not following the law of the credit Reporting Act. The latest one was a few days ago, which I'm sending proof of. This illegall activity just keeps occuring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
An investment property was purchased through XXXX XXXX XXXX   XXXX. In Closing, they provided a document titled " Private Mortgage Insurance Disclosure '' that declares that Automatic Termination of PMI will happen on XX/XX/XXXX ( so long as I was current, which I was ). 

At some point, the loan was sold to Ditech who has been servicing it for several years. Despite numerous calls to Ditech and Ditech even locating this original XXXX XXXX XXXX  document ( and then Ditech requesting me to send a copy to them ), Ditech has repeatedly stated that " since they consider it an investment property, they don't allow PMI to stop until the 50 % mark, which is scheduled to be XX/XX/XXXX. '' That's a changing of the terms under which I got the loan with XXXX XXXX XXXX XXXXXXXX. 

Since XX/XX/XXXX, Ditech has proceeded to illegally collect, keep, and hold {$1800.00} ( to date : XXXX XX/XX/XXXX ) of my money for the purpose of PMI, that was by loan origination with XXXX XXXX XXXX, supposed to automatically terminate. I'd like a refund of this overcollection. I've tried to work through the Ditech Escrow Department several times, and continue to simply get " we consider it investment property, and the PMI will thus be removed on XX/XX/XXXX ''. This is a CHANGE IN LOAN TERMS that I understand to be illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: KS

Complaint narrative:
Attempts to collect medical debt giving confusing information & being returned documents that do not prove that the debt is mine ( ie they mailed me a copy of my Kansas drivers licence which does not prove that the debt is mine. One of the bills they sent says I owe them {$51.00}, another says {$0.00} under " final notice '', yet a third bill says {$140.00} i think before you go around saying i owe you money you need to make up your mind as to which amount it is after 2 requests for verification of the debt clearly indicates confusion on the part of the debt collection agency from the party they are trying to collect from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
BBVA Compass ran a {$200.00} promotion bonus for opening checking account from XX/XX/2017 through XX/XX/2017. I opened a checking account on XX/XX/2017. Per their requirement below, I have qualified but they refused to credit me with the bonus 1. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

2. Account must be opened within XX/XX/2017 through XX/XX/2017 3. Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

4. The account must be opened at a branch, online or via XXXX, Option XXXX. 
5. After the requirements have been met you should receive the promotion within 60 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: ID

Complaint narrative:
XXXX XXXX XXXX calls 10 times a day if not more they bug me over and over again and wont stop sometimes they just call and hang up other times they keep telling me over the phone calls will contuie and there is nothing i can do about it this is my cell phone and i do not want them to ever call it again this time i did get mad and i did sware but you have to undertand they dont stop and its getting old real fast i was on the phone with my mom and they called and it kept akeing this beeping sound becuase i would not ancwer it this has to stop they nearly made me homeless and as far as that goes im not going to pay anymore i as paying every month then i called and said i cant pay you this month or i would not be able to pay my rent or get food to get by they took it anyway in the form of a cheek that they never told me they could take and i nearly lost everything i lost my car could not pay for that my family did not have enugh food and had my family not steped in i would not have been able to pay rent they made my bank go negitive by XXXX dallers i lost half of my XXXX money if my family did not help i would be on the streeXXXX so i dont think i should pay them anything anymore lost the car could not feed my family and nearly went homeless THOSE PEOPLE ARE MONSTERS they do not care about anyone or who they hurt please help me to get them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Assent Inc.
State: CA

Complaint narrative:
XX/XX/XXXX My name is XXXX XXXX and I am filing this complained against XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX On or around XX/XX/XXXX I started a mortgage application with Assent, but canceled the process because the refinance charges were too much, the interest rate was to high, and had to pay mortgage insurance. 
I called XXXX on XX/XX/XXXX and spoke to XXXX XXXX, and asked him to cancel the application and the loan. 
On XX/XX/XXXX, I called my current lender, XXXX XXXX, and they started a new application for a loan that met my needs and with a discount on lender fees. They were going to send an appraiser. 

On or about XX/XX/XXXX I received a phone call from XXXX XXXX, ( XXXX ) saying he was an appraiser and wanted to come over, I asked him if he was from XXXX XXXX, and he said yes. 
XXXX XXXX came to do the appraisal on XX/XX/XXXX, my friend XXXX XXXX was here and in front of her I again asked XXXX XXXX if he was sent by XXXX XXXX, and again he said yes. XXXX XXXX did the appraisal, and the next day I got another call from the real appraiser, from XXXX XXXX. 

I immediately call XXXX XXXX, and confronted him with lying to me. He said he had already completed the appraisal and needed to get paid. At that time he had not sent the finished product to XXXX XXXX, so I asked him to cancel everything. He said no, and went ahead with his plan. 
On XXXX XXXX I sent an email to Assent complaining about XXXX XXXX and the charge on my credit card. XXXX XXXX also called and a lady with the name of XXXX, left a message that there would be a refund to my credit card. 
On XX/XX/XXXX and XX/XX/XXXX I called the XXXX, girl and said she would look into it. 
Last week XXXX called me and told me I would not get a refund, so I called XXXX XXXX and when confronted hang up on me.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Around XX/XX/XXXX! My account has been closed! Because my girlfriend write me a check about {$10000.00}! Befor I deposit I did not tell her! I m gon na deposit right now! I think. Bank call her said do you wirte check for anyone deposit! She said no! We are missed communication! So bank reject my deposit! And my bank had closed by chase! On XX/XX/XXXX I try to reopen a new account at chase! After 2 days my account been closed! I really like chase bank I wan na know how can I reopen!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i deposited a check in to my Chase account for {$21000.00} on XX/XX/XXXX, XXXX the check was from XXXX XXXX XXXX . the amount showed up in my Chase account and the value date is 2 business days. After, Chase decided to put a hold on the check and when i called several times to ask why, they had no answer for the next 11 days. i saw that the amount was already withdrawn from the XXXX XXXX XXXX Account the same day as my depositing the check. No explanation from Chase Bank as to why the hold in the first place. and after 11 days of me asking the same question over and over again, i got nowhere. Only after complaining to the executive office of the customer service, that someone called and told me the hold is off. after 11 days from depositing, with no explanation other than telling me the funds are available NOW, the XXXX of XXXX. I also asked them as to why the Hold? and no explanation. I also asked to have some sort of a paper stating when exactly the actual funds were available, they said they can not provide anything like that and that the funds are in my account off of hold as of today, XX/XX/XXXX, XXXX i would like to know why they put a hold on my deposited check? i would like to know why the funds were not available in my account for my use for 11 days? Knowing that the check amount was cleared from XXXX XXXX XXXX. And what do i do if this happens again, as it has previously.The company never provided me the date of when the money came in and why it was being held, the company also open a case on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hi, in XX/XX/XXXX I refinanced my Navient loan with XXXX. According to records/correspondence from XXXX and Navient as of XX/XX/XXXX the loan was refinanced and XXXX had possession. This is also reflected in report by Navient to credit reporting agencies. Per records of XXXX they began charging interest as of that day. Subsequently in XX/XX/XXXX I received a billing statement for XXXX advising of a payment during that time period/adjustment to my loan of approximately $ 67k. The billing statement provides details of these payments indicating they were made on XX/XX/XXXX and XXXX both after my loan was supposedly discharged by Navient. According to my account history there were no payments on either XX/XX/XXXX or XXXX but there are numerous payments/payment reversals on XX/XX/XXXX throughout. Further, there is a payment for approximately 182k on XX/XX/XXXX on the account. My loan total was approximately 115k and the XXXX is the difference. Navient is unable to provide the location of this additional XXXX payment per the records. After following with Navient up to the supervisor of their " consumer advocate department '' I was told they have no records of the payment and XXXX has no record of overpayment and so there is nothing they can do. However, and obviously contrary to their role as a lender and pursuant to the applicable law omission or failure to keep accurate records is not a response to a consumer missing XXXX. In fact the supervisor told me that there could not be a " reversal '' without a payment and then denied the payment but is unable to provide any proof. And in fact their own records document it over and over. Further, Navient 's own XXXX statement shows the loan was not only paid but had a negative balance of {$22.00} for which I received a check. I refuse to accept this and am asking for your help as they try to continue to cheat their customers due to their own incompetence. Their consumer advocacy department is nothing more then a bunch of navient advocates and serves no purpose or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXXXXXX XXXX XXXX of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXXXXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE

Company response to consumer: Closed with explanation