vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 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: CA

Complaint narrative:
I deposited {$740.00} into the ATM on XX/XX/2018, I transferred about {$600.00} to my business checking account. 

The following day some additional transactions posted on my account and was charged an insuffient charge fee of {$34.00} for being only {$10.00} short. 

Chase charges me {$12.00} per month of servicing fees even though I meet the proper qualifications to avoid this charge yet they still bill me these insuffient charges when I have my business checking thats tied to my personal and always has funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion failed to give me the method of verification on accounts XXXX XXXX XXXX and 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 2018-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting a medical debt for {$75.00} which is not mine. I contact them to let them know yet they refuse to comply by sending me proof of this debt or removing it. I filed a complaint with the XXXX and they responded by saying they will not discuss this matter because of HIPPA regulations. They are choosing to hide behind loop wholes instead of handling this matter. When I call them they treathen me and are very rude. I explained to them that I never visited this medical office and did not have any services provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alpha Recovery Corp
State: MI

Complaint narrative:
I received an initial demand letter XX/XX/18 from alpha recovery Corp. They had already begun calling me on XX/XX/18 before i had ever received their letter. Had i known what this was pertaining to i would have advised them it was not my debt. They were threatening and rude. Someone else used my social security number to obtain this loan. They called my parents and they were harassing and threatening. I do not owe this debt and I requested well communication be written through their website. I submitted in writing through there website a dispute. I expect this matter to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: AES/PHEAA
State: FL

Complaint narrative:
This is my second CFPB complaint regarding the application of my monthly payments for the Public Service Loan Forgiveness program ( PSLF ). I have been making payments under this program since XXXX. I am 72 months into this program, but I was on forbearance for 6-9 months during that time. I have made qualifying, on-time payments on my loans for a minimum of 63 months. However, my most recent statement reflects anywhere from 30-52 months of payments. I make one payment every month that is disbursed to all my loans, however loans that have the same origination date have different PSLF qualifying amounts. Furthermore, loans that were transferred 6 months apart, have a 10 payment difference. It is clear that my payments are not being counted correctly. I have requested a manual counting of my PSLF payments since XX/XX/XXXX. To date, I have received nothing but excuses from XXXX   XXXX XXXX as to why this still has not been completed. I have spoken with XXXX XXXX XXXX representatives on innumerable occasions who have advised they were putting in a request to escalate and expedite my 2 year old request. Furthermore, XXXX XXXX XXXX advised in the previous CFPB complaint that a manual review confirming the number of my PSLF payments would be sent to me under separate cover. Nonetheless, to date, I have received NOTHING! Finally, the previous CFPB response from XXXX  XXXX XXXX said my loan was permanently removed from paid ahead status. Nonetheless, when I missed my XX/XX/XXXX payment due to an oversight, I received no notice or correspondence from XXXX XXXX XXXX. I called and spoke with a representative named XXXX on XX/XX/XXXX and she advised that my loan was still showing paid ahead even though there is a notation on the file that the loan should not be paid ahead. I had to make 2 payments in XXXX to get back on track for my payments to apply towards PSLF. I need to have a FULL ACCOUNT PAYMENT HISTORY detailing the following : the months my loans were on forbearance, what payments were applied to PSLF and what payments were not and why! I can not wait until the end of the 10 year program to get this information as it is clear that XXXX  XXXX XXXX is having a difficult enough time counting my payments at this stage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
The XXXX XXXX sent me multiple emails after I departed from their facility none of which mentioned a debt owed. I have attempted to contact them for months when my roommate first made me aware of the balance ( no answer ). My roommate stated that it appeared on her credit. A month later I started getting harassed with multiple calls ( within minutes of each other ) everyday while at work. When I would call back I got line errors so I thought it was fraud. This company Hunter Warfield who is now reporting to my credit never sent me anything regarding this debt. I had no issues fr the XXXX while living there so Idk what this could be for. I have disputed this debt TWICE on my XXXX report since XXXX and still have not gotten a breakdown of the debt.

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 2018-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
On XX/XX/2018 I was getting calls from PennyMac to reduce my interest rate however they could not do it due to the type of loan that I had. I requested that they no longer contact me and did request that they cease all communication going forward. I still kept getting calls and letters from them and made a report with CFPB XXXX. The report was taken and sent to XXXX XXXX. on XX/XX/2018 XXXX XXXX did respond and stated that they would remove me from marketing list but didn't mention anything about the request to cease communication. Today XX/XX/2018 I got a call from XXXX XXXX from phone number XXXX asking if they could lower my rate. I asked the agent if he saw on my account that they should not be calling me for marketing and he said that he did see that on my account but they called anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I opened an HSBC Advance checking account last XXXX with the {$350.00} account opening bonus attached, with the requirement being to deposit {$10000.00} within 30 days of account opening, and to maintain that balance for 90 days. The fine print says the bonus will be paid within 8 weeks of meeting the requirements. I completed the requirements on XX/XX/XXXX - maintained the bonus for 90 days - however the bonus still hasn't been paid to this date. The fine print of the promotional bonus is attached below. 

I applied for the account online, and the account was approved via email on XX/XX/XXXX ( email attached below ). 
However, I did not get a link for registering for online banking until XX/XX/XXXX ( email attached below ). 
And I was only able to access my account on online banking on XX/XX/XXXX ( email attached below ). 
My initial deposit of {$1.00} was not deposited until XX/XX/XXXX as can be seen in my electronic statement below. 

I contacted an HSBC customer service representative by the name of XXXX, who confirmed in writing that the bonus requirement of depositing {$10000.00} " within 30 days of account opening '' means 30 days from the date of initial deposit, which means by XX/XX/XXXX ( 30 days from XX/XX/XXXX ). Additionally, the rep. confirmed in writing that the deadline for the deposit is in fact XX/XX/XXXX. 
The chat record can be seen below. 

After I deposited XXXX on XX/XX/XXXX, my account reached the balance of {$11000.00}, meeting the requirement of having a balance exceeding {$10000.00} on or before XX/XX/XXXX ( within 30 days of account opening/initial deposit as confirmed by the aforementioned representative ). This can also be seen in my electronic statement below. 

I have maintained a balance of over {$10000.00} for over 6 months, since XX/XX/XXXX, yet I have not received the bonus. I repeated contacted the customer reps over online chat and they all told me they wouldn't be able to submit any inquiries and that I had to wait - a few of them told me to wait until 8 weeks after the requirement was met, and then after that date, they told me to wait until the end of XXXX. 

Using XX/XX/XXXX as day 1, the requirement of maintaing a $ 10k+ balance for 90 days was met on XX/XX/XXXX. Adding 8 weeks to XX/XX/XXXX yields XX/XX/XXXX. It has been over 3 months since I've met the requirements, yet I still have not been credited the bonus. 

I chatted with a customer rep. last week who said they would submit an inquiry and on XX/XX/XXXX, I heard back from them saying I was ineligible due to " the account not being funded with the qualifying balance within the first 30 days of account opening '', clearly contrary to what the customer rep. ( XXXX ) informed me back in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Four months ago I contacted Rushmore in regards to cancellation of my PMI insurance due to the increase of the value of my home by 30 %. The increase was due to rising home values and property improvement modifications. The request was denied due to loan to value ratio. I contacted Rushmore back and explained my loan amount is XXXX and my home value falls between 276-300k. I was instructed that if I wanted to proceed I would need to pay for an appraisal from a 3rd party appraiser of Rushmores choice. I agreed and never heard back. I contacted them back after not hearing back after sending my agreement form to move ahead with the appraisal. Months have gone by with no word so I contacted them again on XX/XX/18 requesting the same. I was instructed that the concern was closed and I was denied with no communication. I explained that this is unacceptable under federal Homeowners Protection Act. I was advised I would receive a call back within 24 hours after it was investigated. I have contacted Rushmore today via online chat requesting my call back and was advised that it can now take up to 48 hours for a response. This insurance should have automatically been removed in light of my perfect payment history over the last 12 years. It seems that my only recourse is to take Rushmore to  small claims court since no one in the customer service or PMI department can give me a clear answer as to why I am being charged an extra {$150.00} a month. 

My advice is to pursue small claims or talk to an attorney if you are ignored or wrongfully denied. Keep every letter and chat log, this will come in handy later on if it goes to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: CA

Complaint narrative:
I had a Capital One payment due which I submitted an on time payment for, it posted on time on XX/XX/XXXX for {$30.00}. 

I am visually impaired and did not notice the minimum due was {$34.00} so I was charged a late fee on XX/XX/XXXX. 

I contacted capital one and they see Ive never been late and messed up once because I have a hard time seeing and they refused to refund me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 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:
I pulled my credit report and XXXX XXXX XXXX are on it. I have never received any correspondence from their office asking me about this alleged debt. I have never done business with this law office. I did not have the opportunity to dispute this matter as required by law. I am trying to buy a house and this is damaging my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: MI

Complaint narrative:
I received an initial demand letter XX/XX/18 from XXXX XXXX XXXX. They had already begun calling me on XX/XX/18 before i had ever received their letter. Had i known what this was pertaining to i would have advised them it was not my debt. They were threatening and rude. Someone else used my social security number to obtain this loan. They called my parents and they were harassing and threatening. I do not owe this debt and I requested well communication be written through their website. I submitted in writing through there website a dispute. I expect this matter to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I am again disputing the following account with the company XXXX XXXX XXXXXXXX XXXX this is not my account I have included this account in my FTC as Fraud I am requesting your company to remove this account from reporting this FRAUD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Union Adjustment Company, Inc.
State: CA

Complaint narrative:
this matter with the collection company ( union adjustment co. XXXX XXXX XXXX, XXXX ca XXXX ), was dismissed in superior court of calf. on XX/XX/2014, case # XXXX. the company refuses to accept the court order and continues it's actions. copy of court order to be faxed to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
A person called would not offer the name of the company they were calling from, they are looking for XXXX XXXX XXXX XXXX is an ex husband going on 18 + years. 
I advised that i am not sure why they would ever be reaching out to me for anything in regards to him. They made it seem like this was a case number and never represented them selves as a place to collect a debt or that the call was being recorded. 
this was a week ago and again today another call, asking if i spoke to XXXX and relayed the information i did not because we do not speak. Still would not tell me where she was calling from. But this time the number when i called it back ( was different than the previous number ) did answer as Atlantic recovery solutions when i called her number back ( the one she gave me ) she answered ARS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
My husband and I contacted USAA on XX/XX/2018, and began the process of refinancing our mortgage. As of today, we have dealt with approximately 8-10 employees who all guaranteed us they would own the outcome and get us to closing quickly. As time passed each one has dropped the ball and continue to cause issues and delays, which ultimately resulted in additional expenses on our behalf. USAA had all the required documents on or around XX/XX/XXXX to close our loan. However, as of today we have now been told by several people that our app was escalated and we would get the clear to close by the end of the week. Today we received a call from yet another employee who now advised they do not have all the documents ( even though prior employees confirmed receipt of all docs ) and our app has not been escalated. They yet again requested I submit more documents and they would need to wait approximately 5 more business days to  receive our payoff. 
This veteran based company has treated my husband and I absolutely terrible.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 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: MI

Complaint narrative:
I began an income-driven repayment payment plan with NAVIENT 4 months ago and they gave me 2 separate accounts with the same account number. I send 2 separate money orders each month with 2 separate payment stubs. Every month I receive a bill stating that one account is current and the other is late and I am being charged late fees. I have called NAVIENT and faxed copies of proof of payment ... to no avail. I explained that I was not going to continue to keep sending them payments when they couldn't account for them and they advised against it. This is utterly ridiculous. I need outside assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A.
State: SD

Complaint narrative:
A few years ago Ms. XXXX garnished my wages for a company she said I owed money to. She never took into account my XXXX kids or bills I had to pay, I was left with half my paycheck. Now she has contacted me in regards to another company she said I owe, I have told her this has been paid in full. She submitted documentation showing payments made from as XXXX XXXX account that I never had. Then there was a payment attached months down the road for {$500.00} from my account at XXXX XXXX XXXX. That {$500.00} was to pay my account in full, I never got another bill or a phone call, then about a year later I get severed from Ms XXXX saying I owed money, I went to the court and notified them that this was not my charge. I never got a court date, the next time I heard from the courts was saying that my wages would be garnished. I just got a letter from my employers saying I would have 20 % of my wages garnished. I have XXXX kids and only take home about {$900.00} every two weeks, I have not idea how I am going to feed my kids or pay my bills. I feel Ms XXXX is just taking advantage of me because she knows I can't hire an attorney, I am a single mother, and I was an easy target before. I also find it very interesting that both times she has done this it has been around the XXXX Holiday, this is two different years that she has disrupted my holiday. I hope that she doesn't do this again. My credit has been mixed up for years because I have had other peoples debts showing up on my history. Once I had a bankruptcy showing up and I have never filed bankruptcy, I am tired of always trying to defend myself from things I did not do. Is there anything that can be done to help. I never got a court date, I was told I owed and that was that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: LA

Complaint narrative:
My husband had a XXXX XXXX back in XX/XX/XXXX which caused us to fall behind on our payments. I continuously worked with Loss mitigation to get help in the matter. On XX/XX/XXXX, we were approved for a repayment plan and per the documentation received as long as we notified them that we wanted to do it and made our payment as of XX/XX/XXXX, we were in repayment. When i called in to accept the plan, I was told i could pay over the phone and nowhere in the documentation did it say otherwise. On XX/XX/XXXX, I called to make my payment and was told no, i had to mail it in. I did mail it in, but it never posted. On XX/XX/XXXX, I called to see what my options were and if my payment was received yet. Once again, I was told I could make a payment over the phone, then after a payment was attempted, advised the payment would have to be mailed in. I was told at that time that the representative would keep an eye on my account and if I was in Jeopardy of the plan breaking if my payment didn`t show up, she would call me. When I called on XX/XX/XXXX because i still hadn`t heard anything. I was told the plan was broken and I would have to resubmit new paperwork. I resubmitted new documentation with the same information i previously used and received a total declination letter. How is that possible when a month before we were eligible? I have resubmitted all documents and on XX/XX/XXXX was told a complete package was received and that foreclosure activity were on hold and no sale date could be processed. I called on XX/XX/XXXX to check on the file and was advised, nothing had been done with it, it was just sitting there and the representative would reach out to the processor. On XX/XX/XXXX, O was served with Foreclosure papers which was a violation of my rights, since I never received anything after my XX/XX/XXXX letter. I have since resubmitted documentation and the sale has been suspended for 30 days while they review, but if they come back and decline it, I will lose my home.

Company response to consumer: Closed with explanation