vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Ive been banking with Chase bank for almost 9 years with no problems. My business account was hacked XX/XX/XXXX/XX/XX/2018 with over {$70000.00} taken from my account. I gave them a list of the unauthorised transactions, they recovered most of the funds but also returned tax payments that were not on my list which I ended up getting late fees that I feel they should be responsible for. There Is also almost {$4000.00} that hasnt been returned to my account and they say the claim is closed. It has been 4 months and I cant get answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 I received two calls from Chase Card Services within 1 hour. In both cases I identified myself as the correct party and even advised the 2nd debt collector that she was in violation of FDCPA as she proceeded with call as if it was no big deal. I demanded to speak with a supervisor and spoke with XXXX ( team leader ID : XXXX ) in the XXXX XXXX office on Monday, XX/XX/2018 who apologized and requested I contact her should this happen again which I plan to do today since I received a call @ XXXX XXXX  which I did not answer, then again at XXXX which I answered and identified myself and during his speech I hung up as it was not the right time to discuss this and then AGAIN at XXXX XXXX ( XXXX ID : XXXX ). I explained to XXXX that she was in violation and proceeded with collection efforts. At this time, I intend to proceed legally as the debt collectors are clearly not apologetic or upset that they violated FDCPA and I have brought this to the attention of management.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We applied 3 times to have our mortgage modified with Wells Fargo and were rejected all 3 times and subsequently lost our home to foreclosure and were forcefully evicted in XX/XX/2016. We have hired legal representation regarding this but would like Wells Fargo to contact us directly regarding these matters.

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 2018-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion had several items incorrect on my credit report. There were 3 additional names that were not my own that were on my report, including several additional addresses, phone numbers, and accounts put in collection. Incorrect date of birth, incorrect employment data, and incorrect supplemental information. In addition they showed a high amount of hard inquiries on my credit report. None of this incorrect information is on credit reports through the other agencies. I've opened disputes in regards to the collections accounts and had Transunion remove the names, addresses, and phone numbers that do not belong to me. They said they could not help with the inquiries despite them being incorrectly listed. I feel that my credit standing has been negatively impacted and should be repaired accordingly due to the mistakes by Transunion. The 2 other credit reporting agencies do not have any of the incorrect information on my credit report so this issue is limited to Transunion. The incorrect data that I am aware of on the credit report has been highlighted and 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 non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: WA

Complaint narrative:
I am XXXX XXXX. I recently started making payments to repay on this useless student loan to improve my credit. Great Lakes isn't reporting the payments to the credit bureaus even though my loan doesn't need to be paid right now. ALSO, they are only applying my payments to INTEREST ONLY on my loan. I'm being scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I HAVE ALIMONY CHECKS FROM XXXX XXXX  XXXX THROUGH ADP WRITTEN ON CHASE BANK. I WENT TO XXXX XXXX- XXXX XXXX CA BRANCH OF CHASE ON XXXX XXXX MONDAY XXXX-18 I WAS AT THE COUNTER WITH A TELLER SAID IT IS {$8.00} TO CASH A CHECK IS THAT OK- WELL NO IT IS NOT OK BUT WHAT CHOICE SO I HAVE THAT IS WHAT YOU SAY THE PROCEEDURE IS -- I CASHED 3 ALIMONY CHECKS ALL THE SAME TYPE OF INSTRUMENT OF ADP THROUGH XXXX {$500.00} WRITTEN ON THE CHASE BANK PAPER - I WAS NEVER OFFERED OR GIVEN A RECIEPT FOR THIS TRANSACTION - I CALLED THE BANK XXXX -18 XXXX XXXX  ISH A BOUT THIS ISSUE I WAS TOLD THAT IT WAS NORMAL NO RECEIPT IS GIVEN FOR THAT TYPE OF CHECK CASHING- I CALLED CHASE BANK CUSTOMER SERVICE WHO SAID NO THIS IS NOT NORMAL AND THAT A RECIEPT SOULD BE GIVEN WITH EVERY TRANSACTION- AND THEY WOULD CHECK ON IT BUT IN NO WAY WOULD THEY TAKE MY NAME & ADDRESS AND ADDRESS THE ISSUE FOR ME OF MY TRANSACTION- I ASKED FOR THE FEDERAL REGULATOR OF THE CHASE BANK AND THE EMPLOYEE -XXXX  XXXX REFUSED. ON LINE I WAS REFERRED FURTHER BY TELEPHONE HERE TO FILL OUT A FORMAL REPORT OF THE BANK FRAUD I WAS VICIM OF. 
XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX has advised that i owe a debt to XXXX XXXX  - The Initial Phone Call the agent was extremely rude, condescending and extremely difficult to communicate with has she repeatedly cut me off and over talked me. 

This debt was a result of an ex boyfriend stealing my credit card and using it, i did not know about the debt - once i was made aware i paid it in full in XX/XX/2018. 

I contacted XXXX XXXX and they transferred me to the XXXX XXXX - XXXX XXXX to pay the account in full. I did so, i have a paid in full letter. 

I contacted XXXX to verify how long it would take for my credit bureaus to update as paid and they transferred me to NAR - NAR stated the debt was still owed and thats ' when the agent refused to let me speak. 

I advised XXXX XXXX on the call, i paid the debt in full - she advised me to email a copy of the letter. 

I emailed the letter twice and received an additional inquiry in regards to the debt XX/XX/2018 stating it was still due. I have reached out to NAR now 4 times advising i have paid this debt and there is a disconnect in communication - where they are not understanding or updating this information. 

At this point i do not know what else to do, besides get an attorney involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: Armor Systems Corporation
State: IL

Complaint narrative:
Upon checking my credit report in XX/XX/XXXX, I noticed there was an error in status on one of my accounts. Armor Systems Corporation indicated I had an unpaid account. A phone call to them verified that the balance was indeed paid. I asked that they update my account to indicate such. I also asked for written confirmation. I never received the written confirmation. On XX/XX/XXXX I again checked my report and the status went unchanged. On that day I sent a letter to Armor Systems Corporation informing them that the status of my account with them was incorrect, asking again for a correction. No change and no response. I sent one more letter to them on XX/XX/XXXX asking for validation. Again, no change and no response. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through XXXX  to get this updated and on XX/XX/XXXX I sent XXXX  a letter asking for validation and proof of my 'unpaid ' balance. XXXX  sent an automated response indicating the account had been verified?!? This is either a blatant lie by Armor Systems Corporation and/or XXXX, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of 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 explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I was able to get a forbearance with Navient, but I didn't ask for one. I am on the PAYE repayment plan. However, I went through a hardship financially and there were no other options given to be but a forbearance. They said I couldn't defer. I owe tons of money and my debt just keeps going higher and higher due to the interest. I paid constantly for 2 years on this program and never noticed it going down. Once I got the updated schedule for my PAYE plan with the forbearance, I noticed my interest will be over 33k in the end. This is highway robbery. I already paid enough to attend college and then expected to pay XXXX on top of that for interest. I am so disappointed in our system. Additionally, I have asked multiple times why my balance keeps going up and the response is always interest. I am so sickened that they feel ok charging students this much in interest. Additionally, I have auto payments set up. I was having issues deleting and still do a bank. When I emailed them, I got a default answer. I needed the bank removed and it was not working. This could cause a problem and bounce a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IA

Complaint narrative:
Date : Sun XX/XX/2018 Amount : {$170.00} Company : Discover There was a transaction about XXXX and I filed a dispute about the incorrect charge. After receiving the dispute, XXXX rightly cancelled my hotel reservation without notifying me about anything. I contacted Discover to increase the dispute amount and hope to get the entire charge back since the transaction is no longer valid. 
However, Discover refused and kicked the ball to XXXX. Discover customer service said, " you can only dispute once. There is nothing we can change and do to help you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: IL

Complaint narrative:
Upon checking my credit report in XX/XX/2017, I noticed there was an error in status on one of my accounts. XXXX indicated I had an open collection account. This account is paid in full. I sent a letter to them asking for a correction in status. I received a response indicating the account changed to paid collection. According to my current credit report, this was not done. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not making this correction in a timely manner they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through Equifax to get this updated and on XX/XX/2017 I sent Equifax a letter asking for validation and proof of my open collection. Equifax sent an automated response indicating the account had been verified?!? This is either a blatant lie by XXXX and/or Equifax, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX and XX/XX/2017 I received a hard inquiry from American Express, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from American Express, nor did I receive or benefit from one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
On XX/XX/2018, I filed a complaint ( Complaint no. XXXX ) against servicer XXXX XXXX XXXX for failure to abide by Florida Statute 501.137, see attached statute herein. The complaint was close because XXXX claimed that i was not authorize by my Bankruptcy Attorney to speak to them. On XX/XX/2018 & XX/XX/2018, the third party authorization was submitted to XXXX XXXX XXXX. See attached herein. Although, we have fax confirmation from both dates that it was received by XXXX XXXX XXXX. The third party correspondence from Bankruptcy Attorney XXXX XXXX, clearly reflects that i am fully authorize to speak to them and therefore authorize to file this claim. 

This claim should be taken very seriously. XXXX XXXX is refusing to pay fo the homeowners insurance. Under Florida statute lenders must pay for the insurance timely when ever the account has escrows. XXXX has made the false claim that can not pay for the insurance policy alleging we do not have an escrow account. 

Since the commence of the loan i have an escrow account. In fact, see attached copy of loan modification agreement with previous servicer XXXX XXXXXXXX XXXX. XXXX transfer the servicing rights and ultimately the loan is being serviced by XXXX XXXX. The loan mod reflects the amount deducted for escrows, also the XXXX statement confirms the same. In addition we have attached copy of the summary judgment that XXXX acquired in court. it reflects how XXXX paid for taxes & insurance in advance because the account is escrowed. 

At this juncture i am actively in a chapter XXXX, Bankruptcy Code, case no. XXXX. I am making monthly payments to XXXX, accordantly to the Chapter XXXX plan. However, as part of the negotiation, i was required to send my financial information to be review for loan modification. XXXX is reviewing the request, however as part of the loan modification process, escrows must be included in the trial plan. XXXX refuses to pay for the homeowners policy seeking higher payments by placing a forced placed policy. It is ridiculous on its face to claim i dont have an escrow account, when we have a mountain of proof that contradict XXXX poor excuse for not paying the insurance i provided pursuant to Florida Statute 501.137. In order for the loan modification to proceed we must have the insurance paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On XX/XX/2018, I was charged a {$10.00} fee by Ally Bank for my 7th withdrawal from my Savings account. This 7th withdrawal was an automatic sweep to my checking account to cover ACH debits coming out that morning because there were insufficient funds in my checking account to cover said ACH debits. However, I had ACH credits that posted subsequent to those ACH debits that would have covered the ACH debits the morning of XX/XX/2018. Since I had ACH credits in an amount that would have fully covered the ACH debits, I am requesting a refund of the {$10.00} fee I was charged. It seems to me that processing ACH debits before credits is a predatory " order of operations '' practice to squeeze the consumer out of more of his/her hard earned money.

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 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/18, I initiated a transfer of {$2300.00} from my Chase checking account to my XXXX checking. Unbeknownst to me, XXXX had closed my account before the transfer went through. However, the money was not credited back to my Chase account and is currently lost. XXXX tells me my problem is with Chase and Chase tells me my problem is with XXXX. I have spent the better part of 6 weeks shuttling between Chase and XXXX and spending countless hours on the phone. Neither bank is taking this half as seriously as I am so I needed to do all I can to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
This is being sent in response to notices sent to me from " Credit Protection '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

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 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, my son sent {$2000.00}. from a TD Growth Account Money Market to my TD bank account. He received a confirmation of the transfer and a confirmation number : XXXX. He didn't realize that there are two options of payment, one immediate and the other in a couple of days. 

By XX/XX/XXXX we went to the XXXX XXXX Branch of TD bank. After working with a very attentive woman who sat on hold a good part of an hour and was transferred twice. we were told this type of transaction ( because it wasn't immediate ) would take 3 business days. She also went into my phone apt and adjusted my info for XXXX who does the transfers. 
Fast forward to today. Again I went into the same branch and a very nice young man, XXXX XXXX, tried to help. This time after going thru the steps taking over a half hour he speaks to someone named XXXX in the Tech support. XXXX then tells Mr. XXXX that the transfer was rejected on XX/XX/XXXX. 
So where was the money after it was taken from the Money Market account? My son, XXXX XXXX, is the trustee for that account and he was never notified that the transfer was rejected. I have received money from him before without problems. 
Not too long ago my husband had sent money to our granddaughter and she never received, but it was withdrawn from his account. He sent the money again and she got one of them and the other one was rejected. This is all TD Bank to TD Bank. 

Once is an oops, twice in banking begins a pattern. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NC

Complaint narrative:
I called and asked if there was any way to come up with an affordable payment option and their reply was " We don't offer payment plans or consolidation ''. They said they can't help me. This is unacceptable because my monthly payment is going to be around {$800.00} a month. That's more than my rent and car payment combined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have been trying to get our mortgage with US Bank modified for over 2 years. We apply for the modification and a round about ensues every time. We give them the application, they ask for documents, we send documents. They say they need more documents, again and again until so much time has passed that the first documents we sent have expired and we are advised to start the process over. We then eventually get denied but ask to appeal because they deny based on inaccurate information. We try to appeal and they tell us we're better off just reapplying. We are in the process of applying again. The person working our case is horrible. She barely responds to email, and when she does it is almost impossible to understand what she is saying. She often sends blank emails or doesn't answer my questions in the emails she sends. I even have a lawyer and they continue to play around with us. We fell into hardship when my son was born with multiple XXXX. We lost our jobs while he was undergoing XXXX treatment and have not been able to hold full time jobs since. I believe that US Bank is discriminating against us for this reason. We now get social security for my son and although money is tight, we could be paying our mortgage. I think US Bank would rather see us put out on the street than allow us to remain in our home.

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