vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase failed on my loan refinancing and my loan modification. JP Morgan advised me to pay off my credit card and close it in order to refinance it. It took over 130 days to come up with a no decision. Workers left the company that were working on the refinancing. Proceeds from my loan refinancing and loan modification were to be used to pay off credit card and have extra money from refinancing.

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: Capital Accounts, LLC
State: FL

Complaint narrative:
In XXXX 2017, Capital Accounts began reporting a medical debt to my credit from XXXX XXXX XXXX XXXX. This was shocking to find on my credit for a number of reasons. 1- I am insured, so there should be no debts owed to the doctor. And I certainly did n't know they thought I owed them anything, as I never received a bill. Otherwise, I would have handled the mistaken debt with them directly. I dont even know who XXXX XXXX is. 2- When I looked up Capital Accounts to make sure they were a legitimate company, and not one of the scammers that have become so prevalent of late, I discovered that they are n't licensed to collect debt in Florida . Both the doctor and I are both in Florida, so I 'm honestly not sure how it 's possible for them to be reporting a debt they are n't even allowed to collect. Though it may explain why I never received notification from them prior to the account being reported to my credit for non-payment. 3- The amount I supposedly owe keeps changing. When I look at the reported balance history on my XXXX report, the amount increases a couple of dollars each month. Is interest being added? Or has Capital Accounts decided to tack on fees for the debt? I did n't think that was allowed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I feel discriminated against because I am a successful XXXX XXXX, with good credit, and XXXX with multiple XXXX XXXX. I applied for a Business Card with chase. I was declined, I contacted them for a reconsideration. I was advised I opened too many cards in 24 months. I asked to further explain. XXXX, whom I spoke to on XX/XX/2017 who was extremely rude and refused to escalate the phone call, advised that 7 credit cards over a span of 24 months is a risk. Note I have an outstanding credit score. He threatened to hang up on me. I decided it was going no where so I decided to call back and speak with someone that could assist me. I reached XXXX, same decision, did n't even ask any questions about my business ( net profit, loss, gains, type of business ). Just declined me. <P/>Keep in mind, I requested a MANAGER both times and ended up speaking with basic representatives that only handle escalated calls. Both times they refused to get me to a MANAGER. Once again, I feel discriminated based on gender, race and being a competent credit user.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
I deposited XXXX cash into my account. The ATM took the money and then the screen read that it could n't handle my transaction at that time. I did not receive a receipt nor did it return my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAM National Arbitration and Mediation
State: NJ

Complaint narrative:
OnXX/XX/XXXX I received a letter from collection agency stating they had purchase debt from XXXX for unpaid phone bill for {$320.00}. I never had or authorized anyone to open a XXXX account. I filed a police report with my local police department at that time. The officer called the agency and was informed the it will be forward to XXXX Fraud department. The officer call me and inform me of the status and that I should be receiving a call from XXXX Fraud Department. I received the call from XXXX who verified some information and stated I will not e responsible for the amount as it fraud. When I asked how the account was open, the XXXX agent stated it was open using my SSN. <P/>On Tuesday XX/XX/XXXX, A.D.R. GROUP, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX XXXX, contacted me threatening to file civil lawsuit for unpaid debt for total of {$990.00} unless I settle out of court for {$320.00} I inform their representative that this debt was result of identity theft therefore fraud. <P/>I then contacted Town Of XXXX and submitted a FOIL request to attain copy of the police report. Just received the report and following up on the ADR Group I found numerous complaints along the same line on what happening to me. All complaints involve ADR Group going after debt from over ten years and debt that was already paid, but still threatening lawsuits.

Company response to consumer: Untimely response
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: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
This company is attempting to collect a debt from me and has reported this debt to the credit bureaus. The problem is this company has yet to provide verification of this debt. I have no idea who or what this debt is for and I have no contract with this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I use a company called XXXX XXXX that lets me borrow against my own pay from work. My bank isnt properly communicating with the company.

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: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Re : Barclay Bank XXXX card : I wrote out a " 0 % '' cash advance check in the amount of {$6500.00} to an individual that turned out to be a fraudulent individual. The check was written out and handed to him on Friday, XXXX XXXX at XXXX XXXX I immediately called Barclay Bank to inquire if I could stop the check. I got right thru to a customer service agent in the U.S. He said that they could n't stop it as it had n't yet appeared on my account.but not to worry, that it would take 7 - 10 business days to clear and that I would have plenty of time to stop it the following week. I asked again, are you sure I can stop it? Not a problem, definitely would not clear before 7 - 10 business days. That Monday was a legal Holiday, XXXX XXXX, i could n't call on Tuesday because I was working. On Wednesday, XXXX XXXX - I spent 4 hours! I repeat 4 hours - trying to get thru to the credit card customer service. I even called XXXX XXXX and they connected me finally - completely panicked. I could no longer reach a customer service in the U.S. I was told the check already cleared and that there was nothing they could do to help me. These are the complaint records : XXXX, XXXX XXXX ( Agent ) and Barclay Card XXXX - ( Agent ) XXXX - Case # XXXX. I just googled Barclay Bank to see if I could reach the corporate office. I see the Breaking News that they are in the headlines for fraudulent practises.

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: 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: NC

Complaint narrative:
To Whom it May Concern, My name is  XXXX   XXXX , I have been pay Navient ( formerly  XXXX   XXXX  ) for several years and I was placed in forbearance on several occasions until I found out about an income sensitive repayment plan. However, with this plan, the payments I submit to  Navient  are not going towards the principle of my loan. I initially owed Navient $  XXXX , now I am up to $  XXXX  and I pay on my account monthly with no delinquencies. I would like to have a loan forgiveness with Navient however, I was never offered this type of service. In addition to lowering my payments with part of the money going towards the principle of my account, I want to be included in the  Class Action Law Suit  against them for unfair practices and not allowing and giving adequate options to repay my loans to where I have seen progress with them. If you have any questions, please do n't hesitate to email me or contact me :  XXXX  XXXX  XXXX ,  XXXX .   Sincerely,  XXXX   XXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is regarding a year of continuous complaints. I contacted XXXX and they said, they sent a letter to all three credit bureaus to DELETE account # XXXX. As I stated at first, this was not my account and all three credit bureaus still claimed this debt was verfified. Which is untrue. This was a fraud accont that had a different address with my personal information. After all three credit bureaus stated, I need a police report. That was untrue. I called XXXX 's CEO and they immediately sent the following letter. The letter is attached. Please note : With this unfair alledge verification the credit bureaus claimed they did for months has caused a 71 point drop in my score. And it should have never been. This account should have been deleted a long time ago. If it was it would not have damaged my credit and life. Because of this, it has caused havoc of me not receiving adequate credit.

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: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
In XXXX I had to leave an unhealthy relationship where I was paying for everything and my companion was of not assistance. I co-signed for an automobile that he let get repossessed ; my small credit cards I had to established to build credit was ruined. I had to leave the relationship XXXX XXXX and the bills came with me. As of XXXX this year I managed to make settlements to : XXXXPAID XXXX XXXX-PAID XXXX XXXX XXXXPAID XXXX XXXX for Auto - Still Paying on Settlement Monthly Tax Lien XXXX - RELEASED- No Debt-Clean Hands Document I have a XXXX Debt to be Paid to an unnamed source on my credit report ... Still Looking Into that. I have been trying to find a place to rent and the most recent occurrence revealed something I had no idea was in the background. I was told by the apartment rent search company that there were judgments filed against me by XXXX XXXX XXXX each time I paid my rent late, but states they were satisfied. I have not seen that on my credit reports and I am still waiting for XXXX, XXXX of XXXX, MD to send me the copy of the consumer report they provided to the XXXX XXXX XXXX XXXX. I want everything I have paid to reflect 'Paid '' and off of my credit report as delinquent. judgment or charged-off. I work hard everyday and I am trying so very hard to rebuild my lift and establish better credit. I am a senior aged woman and I need help. It is not fair to work and get things right and the negatives just sit there. Can you please help me get these negatives removed from my credit report? Can you acquire of copy of the report from XXXX that says I have these judgments? Thank you.

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: U.S. BANCORP
State: MN

Complaint narrative:
In XXXX of XXXX we purchased a home. As a first time home buyer I was thrilled. With the type of loan we have, we legally have to escrow our home owners insurance and tax. At some point in mid XXXX, US Bank stopped escrowing for insurance without notifying us or doing so with our approval. We were then contacted by our insurance company letting us know they have n't received payment from US Bank and if this issue was not resolved we would face cancellation of our policy. Many phone calls were placed by us and our financial advisor to try and rectify the error made by US Bank with no success. Now in XXXX XXXX we have received an Escrow Shortage Coupon for an extremely large amount US Bank is needing us to pay for the difference from when they stopped escrowing. We are not disputing that an amount needs to be paid, but are upset with the financial hard ship we are facing with this increasingly high payment due to their error. We called today, XXXX XXXX, XXXX and they gave us 2 options. Spreading that amount over 24 months but still leaving us with a very high payment we are going to have a very hard time making, or doing a consolidation process that will effect our credit. I am not comfortable with either because like stated above, the 1st option leaves my husband and I in a tough spot with trying to make up that higher payment all the while having to feed and care for our XXXX children, and the 2nd effects by credit which I do n't feel comfortable doing either because this was all fault of US Bank. We are a law abiding family of XXXX. My husband and I XXXX in our XXXX as he is a XXXX and I am a XXXX XXXX for our XXXX XXXX. We understand people make mistakes, but the one made by US Bank has left us in a financial crisis and we are hoping and praying this can be taken care of as soon as possible. Thank you.

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: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: FL

Complaint narrative:
I was late for the month of XXXX but paid on XXXX/XXXX/2017 for the month of XXXX. The XXXX payment will be a little late due to financial set back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Ray Skillman GMC Truck Inc
State: WI

Complaint narrative:
Ray Skillman XXXX XXXX in XXXX, IN, the buy here pay here section, was given a XXXX XXXX XXXX XXXX ( XXXX in color ) back because the vehicle had to many issues and had been looked at three times for electrical issues in the passenger front door panel. The dealership placed a voluntary repossession on my credit. I gave them back the van so that we did not have to go too court because of the state 's lemon law. There are two issues that are present, first when the vehicle was sold and prior to any documents being signed we found out that the vehicle had been in a car accident and was not reported. At that time a written agreement was written and was signed by the sales manager, that if there was any problems with this vehicle that they would do what was necessary to get us out of it. Well they never feel through on this agreement ( it is on the back of the first page of buyers agreement ). Second I gave the company the three strikes that is required by Indiana state law to declare this vehicle a lemon but they still claim on my credit as a voluntary repossion. This vehicle was given back to them because the electrical problems were causing issues with driving and the passenger front window would not go up or down at times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased two items at the XXXX XXXX XXXX store in XXXX XXXX on XX/XX/XXXX. One of the two items was returned within 30 days. The other, I kept. The kept item originally cost {$29.00}, but because I opened a credit card that day, was discounted by 15 % so that I ended up paying {$27.00}. Both items were charged to the new credit card. After returning the more costly of the two items, however, I decided to cancel the credit card. Unfortunately, I never received a bill for the charges, because the bill was sent to an old address ( in Missouri ) where I am not currently living -- due, as far as i can determine, to an error made by the store clerk who processed my application for the account. Long story short ... Because I never received a statement, had closed the account and returned the main item purchased on it, it completely slipped my mind that there remained a small outstanding charge ... until I received a call from Comenity bank ( who owns the XXXX XXXX credit card ) on XX/XX/XXXX, saying that I had a past due balance of {$92.00}. I was quite confused because I could n't recall anything I had purchased for that amount or anywhere near that amount. After some discussion, it became clear what had happened, and I paid them on the spot the {$27.00} I legitimately owed them. Now at dispute is a balance of {$100.00} they say I owe them in late charges, interest & misc fees. However, the statement ( attached ) indicates that I have been charged {$130.00} in interest, late fees and charges since the account was opened on XX/XX/XXXX. This is 476 % more than the cost of the single item I purchased, and these charges were levied over a 4 month period betweenXX/XX/XXXX and XX/XX/XXXX, the date of the bill I just received. That translates into a 1429 % effective annual rate. This seems patently absurd, and surely there must be some law against such outrageous charges. when I spoke with Comenity on the phone, I asked them to waive the late charges and fees and they declined to do so. I asked to speak to a supervisor. Although he/she did not come to the phone, a message was relayed to me saying that because i had closed the account, they could not or would not reverse any of the charges or fees. Please note that the attached statement is the ONLY statement that I ever received from Comenity, and it was received because I gave them my current address over the phone on XX/XX/XXXX at the time I paid them the {$27.00} that I legitimately owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, two unauthorized out-of-state withdrawals were made against our checking account in the amounts of {$2400.00} and {$4200.00}. We noticed that the withdrawals had been made and contacted the bank ( Bank of America ) on XX/XX/XXXX. The bank gave us a {$2400.00} credit while the fraud is being investigated. We were initially told that the investigation would take 10 to 15 days. Further phone conversations pushed this window to 15 to 20 business days, then to 20 to 30 business days, and then to 30 to 60 business days. We are approaching the 60th business day and still have not been contacted by the bank and still do not have credit for the {$4200.00} transaction.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have an XXXX XXXX account and im trying to get payed for the hours i worked this week but im having problems getting the money into my account because it says my bank is taking too long to send my information. Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Net Credit on XXXX XXXX 2017. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XXXX XXXX 2017 @ XXXX XXXX XXXX 2017 @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX Emails to date on XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: NY

Complaint narrative:
In XX/XX/XXXX, I spoke with General Revenue Corporation. I was willing to get into a payment arrangement to start paying off my loans. As per them, they told me that I needed to make a payment to them to pull my loans out of default and that i needed to consolidate my 2 student loans. I told her that i did not want to consolidate them, and that i just wanted to make a payment arrangement with them to start paying them off. That is when i was told that payment arrangements were not available to me because i was in default, and i had to make the 1 time payment first. Then she told me that my account was ready to be transferred and as soon as i made the payment and consolidated my loans, that they were handing my loan debt off to a new company. On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX stating that General Revenue Corporation is requesting a wage garnish on my loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation