vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Our private checking acct was hacked and a fraudulent wire transfer was submitted through online banking to an individual we have never met/nor heard of. Chase bank refusing to return {$870.00} back into our 'new ' account until investigation is complete. They also stated 'there is no guarantee that you will get your money back. ' In addition, we went to branch manager and requested his assistance and he was unable ( due to superiors above him ) to return the $ , their instruction to him was they could not return the $ $ because our 'frozen/dead account was in a negative balance. ' The negative balance is equal to the amount that was stolen ( fraudulently wired ) plus the amount we withdrew to open a 'new account ' with new identification information to prevent further fraudulent activity. We have a copy of the document proving the date, time and what bank and customer got the . We also have a text message from Chase to my husbands cell phone with a message stating 'you will no longer receive fraud alerts at this phone # ' from XX/XX/XXXX, which appears to be when someone hacked his phone/online banking and changed the fraud alert main phone number from his cell to another phone number. The branch manager has been extremely helpful and equally frustrated because his 'people ' with Chase are missing the big picture. We are unable to pay our house payment and other bills will be delayed because of all of this. Chase could care less and basically told my husband you are 'screwed '. This is unacceptable business practice and we have a police report and the routing number of the bank that accepted the illegal wire transfer. The police report # is XXXX XXXX Police Dept. Officer XXXX # XXXX. XXXX Tx. Ph # XXXX. The checking acct # below is the new account because as far as Chase is concerned, the old one is dead ( the hacked/frozen acct. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
XX/2016 took a XXXX dollar loan toake ends meet, and they want XXXX dollars by weekly and the interest is through the roof they are saying I owe them XXXX plus late fees etc now they are saying their taking me to court and garnish my wages 45 %

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Syndicated Office System dba Central Financial is refusing to supply us with a statement of money owed. They claim they are not attempting to collect this debt because it 's too old but yet they continue to report it the credit report companies. I am trying to secure a loan but have been told I have to pay the debt at closing to complete the process. Syndicated refuses to give me a statement showing who to pay, where to send it, my account # 's ( 3 ) and the total amount due. The bank requires it from them on their letterhead. I have never heard of such a thing. Their representative told me to dispute it with the credit reporting companies which takes 30 days. The bank is not going to wait 30 days. This company is truly putting a hardship on me. I believe this is very unethical on their part. Are they being spiteful because it 's to late to collect their money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
In XX/XX/XXXX, I bought a used car through Ally Bank that I later totaled in XX/XX/XXXX. When I purchased the car, I also purchased the GAP insurance, which is supposed to pay off any remaining balance not covered by insurance. It did not pay off the balance. Two years later, Ally sent me to collections. XXXX XXXX XXXX XXXX sent a letter offering a settlement amount, which I accepted. I started my payments XX/XX/XXXX, to pay the settlement amount of {$1500.00}. In my agreement with XXXX XXXX XXXX XXXX, I agreed to pay weekly payments of {$25.00}, till paid in full. I mail the payments out every Friday, my payday, and I write the account number on every check. Two weeks ago, I received my envelope with my check Return To Sender, Undeliverable. I figured I had written the address too sloppy or something. I then put that envelope stamped Return To Sender, that {$25.00} check, and the current weeks {$25.00} check into another envelope to send back to them. I did not want them to think I was breaking our settlement agreement. This past week on XX/XX/XXXX, I received a letter with one of my checks ( number XXXX ), saying that they were unable to verify a valid account. They were requesting additional information, such as my name, account number, address, etc. Before check XXXX was returned, check numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have cleared. Check XXXX has been returned to me. Check numbers XXXX and XXXX have cleared since they first received check XXXX. As of today, XX/XX/XXXX, check numbers XXXX, XXXX, XXXX, XXXX have not cleared and are still in their possession. Is this debt finally paid in full? And if they don not have a valid account, where did the checks go that were cashed, and where are the checks that have not cleared?

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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX  companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.

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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear CPFB, Please reference : Complaint # XXXX ( Submitted XX/XX/XXXX ; Closed, XX/XX/XXXX ) SIMPLE Bank offered {$100.00} compensation in closed complaint on XX/XX/XXXX, but no compensation has been received by XX/XX/XXXX. I feel that 30 Days after complaint was closed was sufficient time to send the {$100.00} compensation that was promised. However, in the closed complaint, they did not specify a date as to when they would send the {$100.00} compensation. From SIMPLE in the closed compliant : To acknowledge the issues that you faced and to show our appreciation to you for the time you were a customer with Simple, Compass will be sending you a gift card in the amount of {$100.00} to the address that was listed on your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
been calling and trying to email for the last 3 months. My loan was bought out from XXXX XXXX by Navient. Not sure why my rate went up without my knowledge. In addition there is a promissory note not signed by me. Also, from what i see on the summary page of what i finance i over paid and am due a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: SC

Complaint narrative:
XXXX-17 : Received COLLECTION AGENCY ALERT from North Shore Agency regarding {$110.00} allegedly owed to XXXX in XXXX, PA. I immediately disputed the debt in writing to North Short Agency as well as XXXX. I do not do business with XXXX at all. Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX, I wrote a check and and knew there were other transaction were being posted so I logged into my online account to make a transfer, I notice I had {$320.00} ... in the account, I transferred {$1500.00}. Noticed bellow, the account was not credited until the following day, this also happened the previous week, XX/XX/XXXX, identically. XX/XX/XXXX Online Transfer from XXXX ... XXXX transaction # : XXXX Account transfer {$1500.00} {$1000.00} XX/XX/XXXX INSUFFICIENT FUNDS FEE FOR A {$50.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX Fee {$34.00} {$480.00} INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$150.00} Fee {$34.00} {$440.00} INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$500.00} Fee {$34.00} {$410.00} XXXX XXXXXXXX XXXX XXXX CA XXXX Debit card transaction {$50.00} {$370.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
previously and on X/X/2017 XXXX XXXX XXXX XXXX called my work place XXXX XXXX XXXX making threats to my boss and giving personal info. this action almost got me fired. the claims are unfounded, there trying to collect on a debt over 9 years old and statue of m limitataions has already ran its course.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In reference to previous complaint number XXXX. Resurgent Capital Services responded to the complaint and attached XXXX XXXX Statements. The statements show that payment where made to this account. However, they did not send me the signed credit application so I can investigate further. However, I give them an idea, please ask XXXX XXXX XXXX to provide a copy of the check or money order or provide me with the payment format used for this account. The payment format will show the address on the check or money order and if the payments were done online, then they have to have a record of the bank account used to apply payments to this account. This is the only way we can discover who opened this account in my name. On the response Resurgent Capital Service sent, they attached a letter in which they also mention that if this account was fraudulent to file a police report or a notarized identity theft affidavit. I went to my local precint to file a report and the officer refused to issue a report for an account opened 9 Years ago unless I provide a signed credit application. Therefore I am attaching a notarized affidavit. Please note I am out of state and have taken this to notarize in the State of Florida since I will be out of state for another week and do n't want this to stay on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services, which I hold no contract with & have never had any business affiliations with, reported a collection to my social security #. A debt in the amount of {$1800.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Resurgent Capital Services has failed to provide adequate proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: LA

Complaint narrative:
I got a XXXX alert that my credit report has " changed. '' Incidentally, when I signed in, I saw a Hunter Warfield collection. It had raised approximately {$25.00}. I was not aware that it was there. I have never purchased any products or services with this company. ( I have been a victim of identity theft  in the past, so this is likely a product of that unfortunate experience. ) Nevertheless, I observed that the amount they are attempting to collect is in excess of what they say the original balance was by {$1400.00}. ( {$5700.00} and XXXX respectively. ) And the site displays a difference of thirty-five per cent. This creditor ( whomever they are ) is in violation of the Truth In Lending Act because raising the balance they are attempting to collect requires notification of charges to the consumer. {$1400.00} is excessive, even for someone that would have even incurred the original debt. I have received nothing by mail, nor any other collections conduit to have been notified of said " balance increases. '' Furthermore, it is only recently ( the past week ) that I have taken notice of the XXXX dollars. Presumably, this has been going on for several years, perhaps even prior to me even monitoring my credit and has gone unknown and thereby Hunter Warfield Inc., is likely to have been violating my consumer rights the entire time without my knowledge that there was even a collection in my name. I never opened an account with this company, nor have I ever incurred charges with an agency at the mount of {$4200.00}. This is very upsetting and I ask that they do not contact me at this time, rather they may respond via CFPB. A dispute has been issued via XXXX

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 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc.
State: MD

Complaint narrative:
XXXX XXXX, a collections company, has been calling my business after have been advised multiple times to cease calling my company. The person identifies himself as either " XXXX '' or " XXXX '' however they are the same person. There is a dispute between how much I own XXXX  XXXX and XXXX XXXX is attempting to collect the debt. My administrative assistant has advised them to cease all calls to this office. They continue to call using threatening language. I have recordings of all calls. See below times and dates : From : ( XXXX ) XXXX NA Today XXXX Phone Call Accepted XXXX Voice To : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX VoIP Call Call connected XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Wed XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Mon XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Accepted XXXX LegalPrivacy XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX. 
All rights reserved. XXXX and the XXXX logo are trademarks of XXXX, XXXX.

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 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Hello, I 'm not sure if this is the way to handle this, but I 'm not sure what other resource to use. I had my mortgage with the charming Flagstar Bank. They took my home, and this is after me attempting four times to refinance it. They lost my documents every time, told me to resubmit, etc. etc. I did receive a settlement from them ( you ), twice. My question is, am I going to receive any other money? Because I lost over {$150000.00} ( cash ; the house was worth more! ) and I have only received back less  than approximately {$40000.00}. The most recent check number I have received is XXXX in the amount of {$1800.00}. The tracking number is XXXX. It was issued regarding the civil penalty fund third-party administrator regarding Flagstar Bank. I appreciate all that you have done so far, I really was n't expecting anything, and I think it 's horrible that they 've gotten away with what they have and they are still even allowed to be in business when all the rest of us have lost our home that we worked so hard to get. Frankly I think every little last dime they have should be given to consumers and they should be put out of business as a penalty. However, evidently things do n't work that way in America and the small guy, the consumer gest XXXX. That said, again, I appreciate every single thing you 've done. I would however like to know if this was the final payment or if there will be more disbursement in order to help me recover from what has been a horrible experience and which ruined my credit and of course lost my home. If you would please let me know as soon as possible I would really appreciate it. Thanks for being on the consumers side.

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 2017-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
First off i never knew about this debt i never got anything in the mail concerning this debt with this company. I found out about the debt because its on my credit report. I received something from the original creditor with account number ending in XXXX and what this collection agency have is an account number ending in XXXX. This is an inaccurate debt that they are trying to collect on. I need for them to cease and remove debt from my credit report because its inaccurate and the account numbers prove that. Also Nationwide Recovery say the deliquent bill from the original creditor was deliquent as of XXXX XXXX, 2016 but how can it be deliquent when XXXX XXXX 2016 is the same day of the service so this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
In the process of selling my house and need a lien release from Bank of America. A formal request was sent on XX/XX/XXXX. Have a closing date of XX/XX/XXXX and they still have yet to send the release. They have been contacted numerous times by the title company, the real estate company and myself and so far no resolution. Time is of the essence because of nearing closing date. Bank of America has had ample time to send lien release that I may sell my house.

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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting Experian, XXXX and XXXX to accurately reflect the account status o my Credit Reports!!!!

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