vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2018. I was victim of a fraudulent transaction. I was under the impression I was protected by my bank. That wasnt the case. I had lost {$370.00} through Chase QuickPay and I immediately contacted my bank to file a claim. I was provided a temporary credit however, the case was dismissed and money was removed. I was told I was held liable and nothing can be done. I was given the run around to contact different departments and no assistance. 

You would think that with the bank having the recipients information they can make a case about it being fraud but no one was able to help. Bank can not be trusted to help and protected customers who have been loyal to them for more than 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lake City Credit
State: CO

Complaint narrative:
I have an invalid " debt '' of appx. {$590.00} that was charged off by XXXX XXXX in XXXX. In appx. XXXX I was contacted by a creditor about this claim and provided multiple pages of documentation showing it was not valid. Nonetheless, this information has transferred to a new collection agency, Lake City Credit, who absolutely refuses to stop calling me about this claim although I've stated multiple times to them that their claim is over a decade old, it is not a valid debt, and requested they stop calling me. I've never received anything in writing from them. I've made multiple requests to them to stop calling, and I still receive calls once or twice every week. I was finally able to get the address for the debt collector from their employee, which they provided as Lake City Credit, XXXX XXXX XXXX, XXXX XXXX TX 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 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC bank in XXXX New Jersey in the year 2013 claimed that I took money out of my minor children 's accounts of nearly amounts of XXXX XXXX XXXX XXXX XXXX XXXX which caused me to get a judgment where I had no knowledge of those accounts and they were not supposed to be enter into XXXX with my account I had a bond on those account with my trust attorney I would never kept in the loop I hate the me get my due diligence I with never this close to meet all of the out of the acts of going on and it was intentionally set up that I that money become XXXX and I want an investigation subpoenas that have might thing court even though statue the limitations the as 'd be exe exe a different circumstances here I with ill and thick in-and-out of hospitals and I deserve my right in court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit Card Companies wont defer my payments. I am a victim of government shut down.

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 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Turning Point Solutions LLC
State: RI

Complaint narrative:
On XX/XX/19, XXXX XXXX of XXXX XXXX XXXX ( XXXX-XXXXXXXX-XXXX ) left a message for my sister-in-law and said it was about me and it was about a debt collection. I called him back and told him that it is against the law to talk to any 3rd party about a debt. He refused to tell me what company he was collecting the debt for without me giving the last 4 digits of my social security number which I refused to do. Extremely rude and belligerent person. No sooner did I hang up that I received another call, this time from a local number, same company but a female. She told me what company was collecting the debt and I told her I had already disputed the debt with the company and that I had never received, nor used the card in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: PA

Complaint narrative:
Notified the original debtor and tried to contact the US Treasury regarding wage garnishment for a debt that was owed. Wage garnishment is continuing for a debt that should have been paid in full. Email and documentation attached.

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 2019-04-12 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: MA

Complaint narrative:
As a parent, I owe approximately {$52.00}, XXXX on a parent loan I took out for my daughter .Each month - well before the due date - I have consistently paid {$100.00} over the XXXX balance and interest due and each month I have instructed Sallie Mae and now Navient as the successor-in-interest- in writing to apply the additional {$100.00} to pay down the principal. Navient has consistently ignored my written instructions and applied the additional {$100.00} either to to the next month 's payment, or to interest rather than principa, l thus illegally exacting additional interest on the existing principal due. In addition, Navient has regularly sent me notices purporting to inform me that my payments are late, notwithstanding my bank statements that show the date of receipt and deposit well before the due date and despite my having sent the check with instructions through the U.S. Mail. ( I believe that Navient is trying to force me and other consumers to remit payment on line rather than by mail to reduce its overhead ) Representatives of Navient have been utterly non-responsive to my complaints and denied the applicability of the mail box rule. The evidence suggests that Navient 's conduct -multiplied my millions of similarly-situated individuals such as me - is engaged in consumer fraud on a massive scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I was taking care of my grandpa, and I was paying on the mortgage with XXXX XXXX, well the last 3 months I had to stay with him, as he was XXXX, he then XXXX, and then XXXX XXXX switch the mortgage to XXXX, they sent a statement out and I contacted XXXX  to let them know I was the one paying on the mortgage, so I asked them what amount and such can I pay, they said they won't take my payments, so I let it go for a week or 3, and I contacted them again ask said I need to pay, they still said they won't take the payments, so not knowing what to do or what they would do I left it alone for XXXX XXXXt, then they send a foreclosure papers, well then I searched for an attorney, I found one but all he did is take my money and did nothing, so I had finally found another, and that didn't work out as they were agreeing to things without asking me or talking to me about it and I've already filed against attorney now it's your turn I offered to pay and in my grandpa 's will said he wanted me to continue living on the property of XXXX XXXX XXXX XXXX XXXX XXXX both XXXX and attorney said I have no rights, I trusted and trusting gets me out of XXXX XXXX now I have less then two weeks before I'm homeless and a XXXX dollars isn't enough to get me new pkace and I talked to attorney general and another person and they said mortgage companies don't care where the money comes from as long as they get there money both XXXX and attorney screwed me royally so I'm suing XXXX   because it should have not gone this way they never even asked me how much I was going to pay or anything but now that it was in foreclosure and it's XXXX XXXX now I can pay what's that's that's wrong and they sold the house before the reception period was up so I will see them in court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a Credit Repair Organization, Equifax has failed to respond to my disputes ( dated XX/XX/XXXX & XX/XX/XXXX ) of issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below Accounts XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XX/XX/XXXX {$0.00} not mine XXXX XX/XX/XXXX {$300.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
ALLY WAS REPORTING ON ALL BUREAUS, BUT WAS DELETED FROM XXXX, XXXX IN ERROR.

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 2019-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This the second complaint about two calls made on XX/XX/2019 around XXXX Pacific Califonia time.. I want to know if transaction we're made without my knowledge or permission. If so I am seeking wire fraud charges and payment for loss of opportunity to gain substantial money due to banking misuse of my money and time. I had sick family members that I possibly could have given help to. This behavior effects lives. This is no joke. What has gone on since I put my money in an Ally account minorities and veterans are people that deserve respect and fair treatment too. I want the actions surrounding my account investigated and want to be compensated for this waste of my time, energy and all other things of waste and abuse concerning monetary opportunity stifled. And, if out right blatten abuse was present I want criminal charged recognized. My like hard work earned residual is no a plaything or lesser recognized joke.

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 2019-04-12 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:
I have a budget, I live paycheck to paycheck, and needless to say I review my checking bank account online every evening. My last incident of many, On Monday, XX/XX/2019, I noticed that ( 2 ) charges hit the checking account, and as previously instructed by the bank customer service, Ensure to balance your account before midnight. I went to the ATM and made the deposit and the receipt shows a positive balance ( receipt attached ). The next day the bank had charged me for insufficient funds fees ( $ XXXX {$64.00} ) anyways. I called their customer service to complain and their last excuse is that I have to read the ATM receipt that explains that any deposit done in ATMs will be credited the next day. I have this account with this bank for 20 years and this the first time that customer service give me this new excuse not to waived the fees. They only allow ( 1 ) waived fee per year among many other excuses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX  WAS REPORTING ON ALL BUREAUS, BUT WAS DELETED FROM XXXX, EQUIFAX IN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CHASE CARD Show Details XXXX XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2500.00} CHARGE-OFF {$2000.00} XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$2700.00} XX/XX/XXXX {$2700.00} CHARGE-OFF Show Details XXXX XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00} CHARGE-OFF {$500.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2019 I at temped to make a transfer of funds from paypal to my bank. Paypal reversed the transfer. The funds never got to my bank account. Unfortunately I had to work so I did not check to see if the money went through.I have had both these accounts for three years and never had a problem. I made a transfer on XX/XX/2019 and it went through no problems. I incurred {$190.00} ( as of XX/XX/2019 ). I have spend four days listening to paypal blame me and the bank for a system error on their part. 
I have heard all manners of excuse of how the bank was the problem, or how I used their system wrong. Paypal refuses to take responsibility for their system. 
I contacted the bank first by phone then in person with paypal on the phone. XXXX XXXX XXXXXXXX XXXX   said even if they declined the transfer it would have shown up on my account and they would be able to see it. They looked to see if it was trying to go through my debit card and got rejected. No. They look to see if it was wired to me and got rejected. No. Nothing hit my account. I have recorded all the conversations between me and paypal and me and XXXX and paypal. At this point I am caught between Paypal and XXXX and I have to pay off the overdraft fees and no one will take responsibility for their system. I do have recording of my conversations with paypal and XXXX but my body cam download is more than 10 mb. So if there is another way for me to send them please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have contacted JP Morgan Chase as my name has been reported incorrectly by them. This shows on my accounts as well as on my credit report. Somehow my middle initial was merged with my first name resulting in my first name now being incorrect. The first representative I spoke to ( on XX/XX/19 ) told me that I would have to visit a local branch with documentation to have the name change completed but the closest branch is over three hours away in a different state. This representative actually hung up the phone prior to the end of the call. The second representative I spoke to ( on XX/XX/19 )  was willing to assist me, but was unable to complete the name change as his system would not allow it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 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: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My father died on XX/XX/18. I have probated his estate and have been appointed Executrix. I have called and forwarded all required documents to Capital One on several occasions in order to obtain a XXXX and have the funds released to me. I have made numerous calls and was finally told approximately 2 weeks ago that I didn't need to wait until the CDs matured to receive the money and a check would be issued and sent to me. Today, I called the bank to see the status and was kept on hold for hours and no one was able to ascertain the status of the checks and/or account. It is clear to me that this bank intends to hold on to my money for as long as it can and has no interest in releasing the funds despite being legally obligated to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: TN

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: TX

Complaint narrative:
I have a accident on XXXX XX/XX/2019, and its small accident and we both parked the cars and called the police and filed the case ( report XXXX XXXX in XXXX, Arkansas. 
Since i dont have the insurance for at that time. i have pay myself, The insurance company of the other guy is XXXX. 
After 3months on XX/XX/2019 i got a call from Afni collections and they say that i have to pay XXXX XXXX 
When i called the XXXX about it they said the its XXXX $ .When i asked it about the claim they said that they have selled it to the Afni collections and i have to speak with them. thay cant to anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have owned the card for several years and they always tell me that at this time they are not offering lower interest rates. this is not acceptable. I am having financial difficulty and need to pay off this card. It would greatly help to have the interest fee lowered and they will not budge. They have stated the policy has changed and also they did not offer any incentives for me to pay off the card faster. please help.

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 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was just looking for different credit card offers only, since my credit has a freeze for identify theft. I have to call the credit bureaus to unlock before I can apply, and I got a notice that I was denied when I wasn't intending to apply for the credit card at Capital One. I was just viewing the offer, and interest rates. I never applied for credit, now it's showing as a hard inquiry on my credit. I need this to be removed please it's false advertising, and false information. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: MI

Complaint narrative:
Back in 2009 when all the housings went underwater my mortgage went upside down and is still hunting me now I did not walk away like most people did I stuck it out until now I asked for a principal reduction not a modification I don't qualify for refinancing through them or anyone else want touch it because of the upside down mortgage owing {$82000.00} and a home is only worth {$17000.00} due to the 2009 illegal appraising of homes and other illegal measures I asked him could they at least bring it down to XXXX XXXX or a number that makes better sense they said the only thing I can do is modified alone I have been told to let the home go into foreclosure and buy it back I don't want to do that it mess my credit up I am up to date on my payments had to do a bankruptcy chapter 7 in between this the loan is not reaffirmed they would rather lose {$82000.00} then lower the principal so I can stay in there this is unfair

Company response to consumer: Closed with explanation