vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I logged into my online corporate card account to make a required payment but received a notice that the payment could not process. After attempting a second time, I discussed the issue with a co-worker and we both agreed that the payment system must be glitching ( again ). As such, I dialed the customer service number and proceeded to make the payment over the phone.

On or around XX/XX/XXXX I noticed on my personal account that JP Morgan had erroneously accepted two of the payments and withdrawn the corresponding balances from my personal account without permission. Although I authorized the bank to retrieve funds from my account, I would never have authorized a double posting under these conditions. 

Soon after identifying this issue, I contacted JP Morgan and got the proverbial " run around '' until they finally pledged to refund the erroneous second payment. The representative indicated that the reimbursement would be issued through a check and that ACH was not an option, despite having used ACH to obtain the funds. 

As of XX/XX/XXXX I have still not received my refund and yet the payment within JP Morgan 's system has been reversed. This essentially means that I am floating JP Morgan about {$360.00} of my own personal funds due to their system processing errors. When I called the customer service representative for an explanation, the representative ( XXXX ) indicated that this is JP Morgan 's procedure for handling refunds. Rather than waiting for a successful reimbursement to clear, the staff actually reverses the payment in anticipation for the refund to clear. If payment is not received, XXXX said to call back and they will work on it again. 

I am disappointed with this entire process and urge you to look into a reasonable remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
I recently receive and letter from XXXX stating this debt was paid in full. Trident Asset Management, LLC is trying to collect on a paid debt. I want them to remove this from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: CA

Complaint narrative:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims  credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
CONVERGENT OUTSOURCING Date : XXXX XXXX, 2017 Source XXXX & XXXX Company CONVERGENT OUTSOURCING Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XXXX XXXX, 2017 Balance {$2400.00} I honestly do n't know who are they and they are not providing me any information. I even requested and faxed to send me a proof and no one responded and I have my faxed receipt copy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I went to Fifth Third Bank to apply for a mortgage. While I was there they asked me to open a checking account as it would reduce my interest rate and Id be able to set up an ACH. I was told there would be no fee associated with the checking account. So, they had me sign about 20 pages for the mortgage company Nd the gentleman at the bank would verbal go through each one and give a debrief about what I was signing. Again, NEVER did we discuss fees! The mortgage was not approved and did not go through. I received a denial letter in the mail. However, they kept my checking account open, which I assumed ithe {$50.00} that I opened with would just remain in my account. That was not the case in XX/XX/XXXX I received a letter that indicated I was overdrafted and I owed them some money! I immediately called the bank when I was advised well I can see where the could have left this out because it was a mortgage but I can only refund you XXXX  dollars! I asked to speak to his manager and I never received a phone call from! So, I walked in to aine of their branches and the branch manager was busy working the teller line and was unable to assist me. I demanded corporate phone number, which was given to me. I called corporate and once I indicated I was writing to the CFPB, they said she could not discuss the issue any further and would have someone call me back within 24 hours! I did receive a call and I explained my situation the gentleman told me he would have to revie the issue and call me back! Its been over a week with no return phone call! I would like an investigation to see how many consumers have gone through this where they are mislead and then they take all of you money then ask you to pay overdraft fees!! They should not ask consumers top open a bank account unless theyve been approves for a mortgage!! This is fraud!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Upon reviewing my current credit report from your bureau, I came across the attached highlighted item, and I do n't think it is mine. Would you please remove this item from my credit report? 
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item AMERICAN HONDA FINANCE disputed by name of AMERICAN HONDA FINANCE is  inaccurate because I did not used or gave my personal information to this creditor. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Trying to link XXXX to my Capital One card account for monitoring charges.  Capital One doesn't allow external applications to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
My home was in a federally declared disaster area as a result of hurricane Irma. This natural disaster caused my family to incur additional, unplanned expenses. I was made aware of forbearance opportunity for people like myself who are in a federally declared disaster area and requested this from my lender, FBC Mortgage. FBC was  corporative in providing this forbearance and gave me 3 months with no mortgage payment. I did not need the entire 3 months that was provided and only took 2 months ( XXXX and XXXX ), paying XXXX plus some additional monies to catch up, in a timely manor. Now I expected, as my interpretation of the federal law that the 2 months that I missed would be added to the back end of the loan. FBC is not allowing that. I would then expect to be able to increase my normal mortgage payment for a few months to catch up on the payments that I missed. FBC mortgage has denied me a repayment plan. In fact, the extra amount included with XXXX mortgage payment was " unapplied ''. FBC has declared me delinquent and is insisting on a Modification. I believe you will find FBC Mortgage is in violation of federal law. FBC Mortgage is not looking out for their customers and not allowing reasonable accommodations to settle up after a natural disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I went online to pay my mortgage but when I noticed that my payment increased by {$700.00} a month. I called NationStar to ask them what is going and they told me that my Escrow is short and I need to pay {$6200.00} to get back on track. I told them I do n't know what they are talking about because I have been paying the same amount since XXXX with no problems and now all of a sudden my Escrow is short that much, HOW. They said that they wrote me a surplus disbursement check for {$4200.00} last year and my Escrow has been in the negative since and now they want me to pay {$6200.00} back to them. This is not right. Mortgage companies should not be able to treat people like this. I need to speak with someone with mortgage knowledge to advice me what to do. NATIONSTAR/MR. COOPER is a XXXX company trying to take money from my families mouth because they screwed up I feel I should not have to pay for their mistake, since I called them multiple times about that check and the manager assured me that something like this would n't happen and demanded I cash the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
XXXX XXXX is an authorized user on my XXXX XXXX card account in XX/XX/XXXX.  He signed up for XXXX XXXX to assist with damaging items on his credit report. XXXX XXXX was arrested on XX/XX/XXXX and was sentenced to one year in jail on XX/XX/XXXX. I requested to have my credit card removed from his account on XX/XX/XXXX since he will no longer be needing the services of an XXXX XXXX. I contacted XXXX XXXX explain to them the situation and they stated to me that I would need to provide power of attorney in order to have my credit card removed from his account and refund me XXXX for XX/XX/XXXX. XXXX XXXX sent the power of attorney to me which I provided to XXXX XXXX and they remove the credit card information from the account, but did not issue a refund. I am requesting for my money back because I clearly stated to XXXX XXXX that he was just an authorized user on my card I am the primary account holder I no longer want to be charged {$110.00} per month for an account. 
I called XXXX XXXX on XX/XX/XXXX regarding my refund and the customer service re tells the power of attorney is still is review ( since XX/XX/XXXX )  and I was need to call back again to find if i can get a refund even though an email was sent to XXXX XXXX 's account on XX/XX/XXXX removing my card ending in XXXX from his account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
coinbase transaction # XXXX I sold my litecoin on coinbase website, they told me transaction was pending until Saturday XX/XX/17 ... as of today, I ca n't withdraw my money, I ca n't transfer my litecoin to a wallet, it 's a total of {$180.00} ... just sitting at coinbase, where I ca n't buy or sell any coins, nor withdraw the money to my bank account. Now they are saying more problems with their site, and it might be 15 days???? 

Alot of people are having problems look into XXXX ... 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have had my student loans through XXXX XXXX ( now " Navient '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " Navient '' ) on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a XXXX XXXX ordered same-day XXXX by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XX/XX/XXXX our home was sold at XXXX in a foreclosure auction, I filed Bankruptcy at XXXX XXXX XX/XX/XXXX ; and Since XX/XX/XXXX XXXX , My dad 's  mortgage company Nationstar , and myself, until Now I have been in an Assumption/ Modification process. 
Nationstar which is now Mr. Cooper had all but cured our Bereavement/ Hardship concerning our dads sudden XXXX XXXX XX/XX/XXXX when they agreed formally to work with me In XX/XX/XXXX after refusing to accept partial payment or negotiate a payment plan it was all or nothing when we were just 3 months behind ( back in XX/XX/XXXX ). 
I was very meticulous in getting and sharing any, and everything requested by Mr. Cooper and then later XXXX XXXX requested documents all while allowing me to : Open Probate XX/XX/XXXX Restart My XXXX XXXX XX/XX/XXXX Qualify Financially ( provided 6 months bank and P & L statements From XX/XX/XXXX - XX/XX/XXXX ) Renovate/ remodel our home From XX/XX/XXXX -  XX/XX/XXXX I was really wandering why it was taking so long for an approval I was aware that some sort of comradery and teamwork was going on so I did n't think for a moment that Mr. Cooper would inadvertently sell without giving me an opportunity to provide more document ( s ) from the court ; especially since I 've been in compliance since the sale dates first started being postponed. 
As a Leader in Our Community, and a great lover of people one of my Biggest Failures is not Finishing what I start, Please help me to Finish the Good work that has begun even by allowing us to Remain In and to reestablish that good name that our Dad Begun with us In This HOUSE over 56 years ago! 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase XXXX XXXX has reversed several alleged fraudulent and/or unauthorized purchases to the primary account holder that were made by me, as an authorized user and very known to the primary account holder, without any investigation whatsoever, which has locked me out of many of my accounts including my XXXX account. The primary holder decided to make these fraudulent disputes after I had moved out of the residence without contacting me. This has caused a very dangerous situation, including reversal of FIVE ( 5 ) car payments that I had made, causing my car loan to become over 120 days past due, insurance payments and additional bills that I had paid, as authorized user, while the primary holder was well aware of EVERY SINGLE TRANSACTION I HAD MADE AND HAS MADE NO ATTEMPT TO CONTACT ME PRIOR TO REPORTING THESE CLAIMS. THE PRIMARY USER HIMSELF HAS COMMITTED FRAUD!!! 
Chase had issued two credit cards that were requested by the primary holder for me to use as authorized card holder, cards ending in XXXX and XXXX, that were personally requested by the primary cardholder and given to me by the primary card holder for use as an authorized user to make purchases, with my own cards that included my name, that the primary account holder acknowledged and personally handed to me at the residence where we lived together. I have paid several of my bills that are very known to the primary holder and I have also paid the primary holder thousands of dollars towards said bills. MONTHS later, I am finding out that most of the charges that I made ( ALL THE WAY BACK TO XXXX HERE WE ARE IN XXXX ) were REVERSED AND THE PRIMARY HOLDER HAS RECEIVED SEVERAL REFUNDS!? NONE OF MY CHARGES WERE FRAUD OR UNAUTHORIZED!!! This is a very dangerous situation causing me to repay several of my merchants that I was previously authorized to pay bills to by the primary cardholder. Chase will not speak to me since the primary holder has removed me from the account. Chase should not be issuing authorized user cards and then allowing primary holders to claim at least NINE ( 9 ) claims of fraud/ unauthorized use without any investigation. Without some proof of " unauthorized use '' ( which is impossible if I was an authorized user and was permitted to use the cards ) I should not be subject to repay my merchants because of Fraud/ Unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. This is bad faith to consumers. HOW do my charges, as authorized user, get reversed MONTHS LATER!? MY CHARGES ARE NOT FRAUD!!!

Company response to consumer: Closed with explanation