vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For the statement for the period of XXXX, I made a payment on the full amount owe based on the statement. on the next cycle the Capital One charged my interest on the balance from the date the statement closed to the date I made the payment, even that i make the payment before the deadline. 
Only credit card company that i know that makes this kind of ridiculous charges and practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In early 2019 I received a new debit card from Chase because my previous was expiring. The card was a " Chase Saphire Banking '' card. In the envelope, there was a note congratulating me on receiving the card, and a list of perks that came with it. Two of the perks were no ATM fees and no international transaction fees. Since receiving the card, I've been withdrawing money from ATMs, and using it while traveling abroad. A few months I noticed that none of these fees were being waived. I asked a banker at Chase in-person about this, and he said " don't worry, it will be credited at the end of the month. '' A few months later, I noticed the fees were still there. Total fees were ~ {$150.00}. I went in to the branch again, and they told me that my checking account was actually a " Total Checking Account '' - not a Chase Saphire account. They had no idea how I was able to receive the Saphire card, because it's only available for accounts  with $ XXXX. They said there were no notes in the account that showed the account was ever transitioned to Saphire, or that I would be receiving the card. The banker begrudgingly reversed the fees after saying it would be a " waste of his time. '' I'm filing this complaint in the off chance that this wasn't a fluke, and that other consumers may have also received this card and are unknowingly using it and collecting fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft

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 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I submitted a complaint to the CFPB on XX/XX/XXXX and Chase Bank 's response did not at all address my actual complaint. They addressed a previous issue that Chase had over 8 months ago when the bank went to a new online platform. 
The issue I have that is not being addressed at Chase is that there is currently a product defect in Chase 's online banking platform. I deposit my business checks into my XXXX account. When I then go to download the detail of the batch checks deposited ( see attached example ) there are several checks MISSING in the csv report. Back in XXXX and XXXX I spend over 8 hours with Chase representatives ( XXXX XXXX who is no longer with Chase, XXXX XXXX, etc ). No one could figure out why all checks that are deposited are not pulling into the reporting tool that Chase has. The issue is extremely significant and is leading to our business having inaccurate accounting procedures and billing our patients incorrectly. 

I spoke to a woman named XXXX on XX/XX/XXXX who confirmed the product defect and said she was working with the Digital Team to get the problem fixed ASAP. She told me she would follow-up with me by phone on Tuesday XX/XX/XXXX. It is not Friday XXXX and I have left XXXX 2 voicemails and called the executive office with Chase several times with no response. Chase bank continues to misrepresent accurate amounts deposited into my business banking account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CO

Complaint narrative:
I paid the debt of XXXX to Hunter Warfield on XX/XX/2019. They are reporting inaccurate debt that I no longer have, they will not return my calls as I have tried to reach them countless times. This paid debt that theyre still trying to collect is keeping me from getting an apartment. Please help. I have receipt showing I paid.

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 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I have a special needs daughter who has a checking account where someone did fraudulent activity on her account writing 3 unauthorized checks totaling XXXX. She gets XXXX dollar check for her XXXX per month. The bank refused to do a refund to her account even though they are federally insured. The reason for denial to the claim was due to failure to safeguard your checks.they told us we need to keep the checks in a safe deposit box. We filed a police report amd they actually have pics of the suspects, but could not find them.teller cashed the checks without properly looking at the check. Definitely not her signature at all. I belive bbt is discriminatory practices against special need people. Pls help get her funds returned to her account. She depends on her little money to help her live

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 2019-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Identity was stolen in XXXX. Received letter in the mail regarding {$490.00} charge to Macy 's for which I did not purchase/authorize. 

A stolen driver 's license ( mail fraud ) was used for the transaction in which the credit card was not used by impersonator. I filed necessary paperwork including a police report and received a notice that the investigation was conducted ( without Macy 's ever contacting me during this investigation ) and that I am liable.

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 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
On Wednesday XX/XX/19 I was contacted by CBE Financial Group regarding a collection that I inherited. This debt is currently being disputed. When attempting to provide my financial summary and state that I can not afford the amounts they are demanding I pay, a representatives would remind me time and time again that if I do not get an aggreement on file that my pension will be garnished ( 25 % ) and that they did not want that for me. 

That was not the only time that they would say that to me. Nearly everytime I spoke with them I was reminded of that detail. Lastly, I explained how the debt was incurred by a significant mishap on the institution 's behalf. Nothing mattered. 

In my opinion this company is NOT professional, and is not following policy by using threatening tactics to scare people. This isn't right and I hope that someone does something about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I continued to receive a call at the same time every morning, various similar numbers. Most often, I answered the phone they would hang up. The calls continue in this pattern for about a went on for a week or more. Finally, I answered the phone, and there was music playing on the line. I waited and listened to some lady answered and immediately asked me my $ $ # and D.O.B. Stating she needs to identify who she was speaking too. I explained there no way I was going to give out my information to a person I don't know. 
I asked her who she was and the name of her organization. She said, it so fast as if she didn't want me to know who was calling. I had to ask her to slow and down and repeat herself at least XXXX for XXXX times. Of course ; this made me apprehensive as if she was trying to hide something. I knew then they were trying to scam me. Finally, I said, spell it! 
Of course, the conversation got heated. Business is Business ; I asked them to give me the D.O.B that they had on file, and I would verify if it's mine or not. They refused, I asked for the address again they refused. I told them to cease calling me. A few days later, I received a letter, and I recognize the name. They were trying to collect for an alleged debit from XXXX {$130.00}. I don't owe XXXX or XXXX {$130.00}. I sent a certified letter or Debit verification asking to tell me where they came up with this {$130.00} amount. They send me a XXXX bill for {$220.00}. That it! This doesn't tell me anything. How do I know if this is a real bill or a real company that can collect in Georgia? It really looks like someone used a copy machine to copy a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft

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 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank take the money of my account and let my account with negative balance and add charge. I called but they didn't knew the problem? Next they said that was a difference on the deposited that 3  months ago. But now my account have negative balance for charge of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/19 @ XXXX CST called Bank of America at (  800 ) XXXX and was promised {$9.00} debt payoff letter. There was no indication from XX/XX/19 call this request could be declined. 

I never received {$9.00} debt payoff letter. 

I again called Bank of America at ( 800 ) XXXX and was told compliance department declined a request from Bank of America employee XXXX XXXX to send me a {$9.00} debt payoff letter. This agent refused my request to pull the audio recording from my XX/XX/19 call with Bank of America to confirm {$9.00} debt payoff letter.

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 2019-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Investigative Concepts, Inc.
State: TX

Complaint narrative:
This company is calling me and my family members about a debt that they say that I owe. The company that they say I owe the debt to I am current with. I asked them to cease communication but they refuse to stop.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-04 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: IL

Complaint narrative:
I have contacted Equifax explaining that these inquires & accounts do not belong to me but they continue to report them on my credit.. I have sent them a police report, identity theft report along with my ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 @ XXXX at XXXX, XXXX, Tx at ATM # XXXX at XXXX XXXX, I tried to withdraw {$XXXX} + {$XXXX}. fee from my prepaid US Treasury given ATM/Debit card. After going through the process, the ATM machine said the ATM had an " internal error '' and could not finish the transaction, but took the {$XXXX} off of my Social Security debit card anyway. 
This happened at Capital One Bank @ XXXX, XXXX, Texas ( XXXX ). 
The man in the bank gave me a number XXXX but they said they could not reimburse or help me because I was not a direct customer of the bank. 

I'm at my witts end. I can not afford a {$XXXX} loss off of my already modest SS payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: NJ

Complaint narrative:
I made my usual payment for my mortgage of {$2300.00} on XX/XX/XXXX to CMC Funding and I was not told that it went to " unapplied funds '' because the escrow amount changed. Since then I have called twice and was reassured that this was resolved and not to worry - that I am to pay the shortage amount of {$96.00} which I did on XX/XX/XXXX and there will be no issues. Today, I get another late notice indicating that the account is overdue. I can't get through their automated phone system because it hangs up on me in the middle of the call and its virtually impossible to contact a live representative. This is beyond frustrating as I don't want my credit to be affected for an error made by the servicer. Their website also is not user friendly and does not send out emails when you make transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have called capital one card multiple times as they are charging me 24.99 % interest and I am drowning in debt. They refuse to help me at all. I am having issues with medical bills and can't catch up and barely making payments. This is an abusive practice and they won't help me. Please help me I beg you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: NY

Complaint narrative:
They keep on sending me emails telling me I'm going to be arrested for a loan that : a ) That I either took out and was paid. 
b ) A loan from a company that I never heard of or taken a loan from

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My credit report has XXXX  accounts that are reporting with XXXX. XXXX account is a {$500.00} XXXX XXXX XXXX, the other is {$300.00} Kohl 's card. I have not applied for any credit with either one of these credit card companies. Along with the reporting, I have NEVER received a credit card from these 2 companies and during the time that that I have been trying to get this issue resolved, I have noticed that they are reporting this payment as being paid on time, then it will go in into late payments status ( Kohl 's ). As for XXXX XXXX, they have added late payments to my credit report. I was able to get this issue resolved with XXXX, XXXX on the other hand is allowing these companies to continue to report theses fraudulent accounts on my credit file and I have been disputing the matter since early XXXX. 

Each time, I dispute the accounts, they are sent back into re-investigation status, ULTIMATELY ALLOWING KOHLS & XXXX XXXX BANK TO CONTINUE REPORTING THIS UNVERIFIED FRAUDULENT ACCOUNT. 

I have had excellent payment history until this issue. Now, my credit is going down the drain, due to the false reporting of the XXXX companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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: MS

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report please. I have already contacted the FTC and police department in my area. Items to be removed : XXXX XXXX, XXXX XXXX on XXXX acct XXXX, XXXX XXXX XXXX. XXXX. I also saw some inquiries that i don't know nothing about XXXX XXXX   XXXX XXXX { XXXX XXXX XXXX XXXX { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX, PA from XXXX through XXXX ; when I graduated. The original loan was with Sallie Mae and consolidated as of XXXX. I have been on multiple Forbearances and Deferments since the time I graduated. I am not sure if I am being fairly charged for interest and/or other fees ; based on the Payment History attached to this complaint. 

To date, the balance owed is {$48000.00} ; for 2 consolidated loans. With the amount of interest, late fees, forbearances and deferments being applied. I feel as though I will owe this Student Loan forever. I tried making payments, but my financial situation is not the best, and I can not afford payments of over {$200.00} per month. 

I am currently unemployed, and currently on Forbearance-which was approved before I lost my job. I just want to make sure, Navient is not trying to price gouge and make money off of me unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
1 ) Received A " Committment Letter '' for refinance of existing mortgage from Ditechz XXXX Loans on XXXX 2 ) Committment Letter contained the foillowing terms : a ) Discount points/Origination credits : 0.3750 % b ) Commitment Expiration Date XXXX 3 ) On or around XXXX XXXX XXXX, a Ditech representative who acted as my loan processor and provide me instructions on the paperwork flow and signing instructions sent an : Adversary Letter via email saying my loan was denied because I did not meet the conditions. 


4 ) On or around XXXX XXXX XXXX, Ditech manager called me via phone and after hearing my complaint against XXXX XXXX, stated she was in need of additional training, the Adversary Letter would be withdrawn and I would be assigned a new loan processor. 

5 ) A new loan processor was never assigned to me or contacted me from XXXX up until today XXXX. 

6 ) Numerous attempts to reach Ditech about my loan documents via email to XXXX XXXX, XXXX who is listed as the contact person for my loan has been unresponsive. 

Ditech Mortgage Loan contact phone rings constantly with no pick up and when their is a pickup, the line goes straight to busy signature.

7 ) On XXXX discovered on-line at Ditech XXXX there was several closing documents to complete my financing waiting for my signature on XXXX, XXXX, XXXX, and XXXX. 

Each document penalize me for not signing the documents by increasing the points from its XXXX XXXX 0.3750 % to a ) XXXX - 1.850 % b ) XXXX - 0.975 % c ) XXXX - 2.150 %

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