vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-21 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I visited the local branch of JP Morgan Chase located in XXXX, New Jersey where my wife and I live. I asked that I be refunded a balance on my Chase Credit Card in the amount of {$220.00}. The bank branch manager called Chase Credit Card and after half an hour XXXX the supervisor came on the line and said to the branch manger and to me that the refund check would be overnighted to me as I had repeatedly said I needed the money and that " Time is of the essence ''! XXXX also said that at the latest I would received the refund check on Monday XXXX XXXX. I did not receive the check either day. I returned to the branch and the branch manager again called. This time Chase Credit Card said the check had not be drafted on XXXX XXXX as XXXX had promised but on XXXX XXXX and was mailed out on XXXX XXXX by XXXX but no tracking number was given the branch manager or me. The refund check has still as of XXXX XXXX arrived! And this despite my 6 visits to the branch, 10 letters to XXXX XXXX XXXX the Chairman and CEO of JP Morgan Chase at XXXX XXXX XXXX, XXXX XXXX, New York XXXX, and many telephone calls! I am a XXXX citizen and this experience has proven to be physically difficult for me. XXXX in the branch officer said on XXXX XXXX, " The matter has been escalated to the highest level of the bank! Please call this number and be sure to give them this reference number. '' So I called on XXXX XXXX but no one was able in the Executive Office to speak to me. The next day at XXXX XXXX XXXX from the Executive Office called. He is a " research analyst '' but could not help me get the check overnighted to me. He said, " I need a few days to do research ''! This though both he and XXXX in the Executive Office noted " the matter is urgent ''! Still I did not have my money that I very much need as I live primarily on Social Security. Such poor treatment of me a senior citizen by JP Morgan Chase which with assets of {>= $1,000,000} assets is the largest bank in the United States and one of the largest banks in the world! JP Morgan Chase refused to wire the refund to my JP Morgan Chase checking or savings accounts! The local branch has washed its hands of the matter. The Executive Officer refuses to send me the refund check overnight! And all the time, to repeat, a really need the money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-21 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: SC

Complaint narrative:
I 'm in school at XXXX XXXX half time receiving XXXX XXXX. I was told the school did not send my hours over for them to put the loan into deferment. I was told on XXXX/XXXX/XXXX, they received the hours verification paperwork from XXXX XXXX but they would have to " double check '' to make sure I should be in deferment. Meanwhile, I 'm receiving letters asking for me to pay my past due amount and I 'm going to have to call on Monday, XXXX/XXXX/XXXX to turn off my auto payment due on XXXX/XXXX/XXXX. What triggered the loan repayment is XXXX XXXX XXXX let then know in XXXX XXXX that I was not at the school anymore so the grace period had ended. This is the first time ever I have had ANY trouble with XXXX XXXX XXXX following the proper procedures for deferment. I do not want to be coded as XXXX because FedLoan Servicing wo n't comply with the law. I 'm at my wits end trying to get this worked out. I do not want to use the forbearance because I 'm unemployed right now and I may need that next year. My loans go back to XXXX and I never had issues with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and claims counsel of XXXX XXXX XXXX XXXX XXXX are a big fraud, Corrupt and a big liar. 

XXXX XXXX XXXX XXXX I recently made a complaint to the headquarters spoke to XXXX XXXX was told I did not have thr correct claim number and were corrected. 

I made complaint to the headquarters on Thursday spoke to XXXX XXXX and I told him I 've never received anything in writing from XXXX XXXX. He said that I have a claim open. HE CALLED XXXX XXXX AND TRANSFERRED ME, NO ANSWER. 

She immediately sent me an email lying in it. Of a response letter dated XXXX XXXX, XXXX just a XXXX XXXX. This is the first that I 've seen of the letter but she lies and says she is sending me the corrected letter from XXXX XXXX, XXXX no such letter is on my email returns. XXXX XXXX. 

At the top is the first time she has provided me the claim number in addition she put a fake consumer financial protection bureau number as cfpb # XXXX which would be XXXX/XXXX/XXXX proves the letter was back dated from at least that date. 

In the letter she continues to lie and are determined to claim 1. That XXXX is a mortgage broker company. 2.  That XXXX were my mortgage servicer and I got XXXX from XXXX. She absolutely will not mention 1. My mortgage servicer XXXX XXXX XXXX provided me a lien release. 2. I were victimized by XXXX and mers of mortgage deed fraud register XXXX/XXXX/XXXX. 

Please provide that letter to the consumer financial protection bureau for their review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: Monterey Financial Services LLC
State: GA

Complaint narrative:
I had an account with XXXX that went into collections. Monterey Financial Services was the collection company for this account. I eventually filed bankruptcy in XXXX of XXXX and Monterey Financial Services was included in the repayment plan. While under the XXXX XXXX, Monterey continued to place inquiries on my credit report monthly as well as the amount continued to increase due to interest. My Ch. XXXX was XXXX in XXXX XXXX and Monterey is reporting to my credit report as a collections account on XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
After CFPB sent my original complaint to SPS, they sent a short sale approval letter to my attorneys with items needed to close the short sale. Thank you. However, they have not provided a release from liability for me. This is now my third complaint submitted in less than XXXX months regarding this company 's deceitful practices. They are now claiming they have to get the investor 's approval to obtain the release from liability. However, I have a letter from XXXX XXXX XXXX XXXX department stating they ( XXXX XXXX ) are only the trustee of the trust and all decisions regarding this loan are made by the servicer WHO IS SPS ( they claim ). 
I have attached the letter here. The only problem I could see with them not providing this release is if XXXX XXXX is not really the investor and maybe XXXX XXXX XXXX is the investor since SPS now refers to themselves as attorney-in-fact for XXXX XXXX XXXX. I have also attached XXXX letters XXXX from XXXX XXXX I received in answers to XXXX sent out in XXXX. One stating XXXX XXXX is the investor ( but lists an address in South Carolina and there have never been any XXXX XXXX in SC ). The second letter from XXXX then states XXXX itself is the investor on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX, I was part of a theatrical production company called XXXX XXXX XXXX. We used XXXX to set up our website. For XXXX years, I have not been involved with XXXX XXXX XXXX. XXXX XXXX XXXX is still in existence but they do not use XXXX. I have been billed XXXX for an annual renewal ( what they say is an automatic renewal ) ; I have explained to XXXX as well as XXXX XXXX the credit card company ) that, since I no longer want/need XXXX services, this charge should be null and void. XXXX claims that, since it 's not a fraudulent charge, they can do nothing about it. I never said it was fraudulent ; it is simply a charge for a service from which I legally removed myself and needs to be cancelled. Efforts to clear this up with the credit card company and XXXX have brought zero results. I am XXXX XXXX XXXX ; I do not want or need this aggravation. I want to pay my XXXX XXXX but, since I will not pay the XXXX to XXXX, I know it will be an on-going problem with interest charges being compounded by XXXX. I am hoping you can intercede before I go to the media and my congresswoman. Thanks you. 
P.S. I have an email from XXXX advising that " Your Subscription has been Cancelled ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
On the date of XXXX/XXXX/XXXX I had transmission work done on my XXXX XXXX truck by XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, independently owned XXXX XXXX. My total cost of the repair was {$3700.00}, I paid {$1200.00} down, which me a balance of {$2500.00} The owner told me about this company called XXXX XXXX and if I could pay them off in 90 days I would not be charged any interest, he told me the interest was high but failed to mention it would be 152 %. I never got a written statement disclosing the finance charges, the next thing I knew they took a payment from my account without my consent. They send me an email right when they where taking my money. 
Company name is XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX I was told by my legal representative to contact you concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: OK

Complaint narrative:
I spoke with the loan company and they said they would put a deferment on my account. This was not done. Furthermore and most importantly I have one account number to reference to that is supposed to apply my payments to both the subsidized and also the unsubsidized loans. For some reason the loan company does not do this. This has made a jurastic negative impact on my credit report rating. I have made several calls including one with a representative from the school stay on the line with me to try and get information about my account and three possibly four separate occasions a representative has hung up on me. More than once I have asked for a supervisor and wrote requests for someone in charge to contact me. However, the only calls I receive are automated robo-calls and if I do manage to speak with a human being, they hang up on me and refuse to let me speak with a supervisor. I have been more than nice to whoever gets on the phone but I can not get the balances, dares, why they are only applying my payments to the subsidized loan and nothing applied to the other. I write a note on every single money order for them to apply to both loans. I can not do anything to get them to do this. If I had two separate account numbers, then I would be able to. Unfortunately I have one and through calls, notes on the acutual money order to apply to both loans and letters to apply payments to both loans they will not do this. If this is n't illegal, it should be. Until this is settled or my entire loan is paid in full, my credit score will continue to hender buying a house, a new car, or do anything that relates to a credit score rating. This also includes even being able to move to an apartment complex that requires a credit check. Please contact me if you have any advice on how to fix this issue because I am out of ideas and this company American Education Services will not apply my payments to both loans. Though I have only one account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
cra violation debt collection sending paperwork that are not mine hippa violation i sent all bureaus the police report

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 2017-10-21 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: AE

Complaint narrative:
I requested an override to my XXXX XXXX payment so that I pay the correct amount and have it count toward the Public Service Loan Forgiveness ( PSLF ). In response to my separate Consumer Finance Protection Bureau ( CFPB ) complaint number XXXX, FedLoan Servicing responded that " Because an override was not requested until XXXX XXXX, XXXX, and no payment was made, we are unable to perform an override for XXXX XXXX. '' This is a wholly unsatisfactory response. I did not pay my XXXX XXXX payment because FedLoan Servicing : 1 ) miscalculated my income-driven payment amounts due to their erroneous interpretation of my spouse 's income three times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX ; 2 ) I was advised by FedLoan Servicing customer service agents multiple times by phone that I should not pay my monthly payments until their error surrounding my payment amount was resolved ; and 3 ) I was specifically advised by FedLoan Servicing agents that I would be offered a payment override so I would not miss PSLF qualifying payments ( this was of critical importance to me ). 

The XXXX XXXX, XXXX response by FedLoan Servicing to my complaint did not respond to the arguments I put forth about why my XXXX XXXX payment should be overridden and thus is non-responsive. My request to override my XXXX and XXXX XXXX payments because of their miscalculation error was approved. The company did not provide any logical reason why they could override the XXXX and XXXX payments but not the XXXX XXXX payment. 

A FedLoan Servicing agent indicated during my last interaction with the company by phone on XXXX XXXX, XXXX that the decision was being reviewed. Three months later I still have not received a response to my concerns. 

I request that FedLoan Servicing respond to my complaints and override my XXXX XXXX payment so I can pay the correct payment amount and have it qualify for the PSLF. 

I have attached the text of my original complaint and the responses I have received to date from FedLoan Servicing. 

Thanks for your attention to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Tried calling and was hung up on, then calling back and always on hold waiting. Capital one # XXXX XXXX I did not inquire for anything or anyone to Capital one. Hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XX/XX/XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- thank you!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I challeged my phone debt when I checked my credit online. Which is a good and bad idea. As soon as you do this the companies that you are in debt with call you non stop. I only have two both phone companies. One I do owe on and the other is in question and I have repeated this to them before. Did a promo switch to XXXX. XXXX did and has not paid or honored agreement. My fianc is in the same situation but I believe different company. Frequent calls. What I mean is every day so far or every 3 days calls and they do n't seem to take notes because I tell them the same thing. Mail me a settlement letter so I can give to XXXX to pay. They have yet to do so for the past 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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:
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX-XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After their reinvestigation on my credit files. They stated that the items have been deleted from my credit files. That they have taken all steps that the items will not reappear. I have sent in there letter head with their name on it showing that this is your company LOGO, stating that these items will not reappear, but a year later they come back up. I have faxed documentation to them showing what their results was. Please asked them to take care this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
My husband who is now ill, co signed a loan thru Wells Fargo Bank and apparently, loan companies have gotten a hold of this information and are calling us non stop. Our son, the former student has been late paying some payments but has always paid plus hefty interest bank charges. He is now making timely payments.

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 2017-10-21 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a notification in XXXX that a suspicious charge had appeared on my Sears/Citibank XXXX. I called the company and confirmed that I had not used the card since XXXX. They closed out that card and issued a new card. That number was also used fraudulently. Another card was issued and the same thing happened. I called again and was told that hackers get the card numbers from merchant databases. I explained that I had NEVER used those two cards, and that the fraud had to be coming from within their company. The third time I called, I asked for the account to be cancelled and all charges reversed. I was told I would receive a new card and I said, " You do not understand me. I do not want a card. I want the account closed. '' They apparently opened a new card number, and someone is again using it. I followed up with a letter dated XXXX XXXX. I am getting billing statements for these fraudulent charges and now the overdue status has hit my credit report.

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