vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Every transaction i make gets detucted right away but it would still show pending for a couple of days and sometimes i would need it to finish to process some other stuff, and the over draft fees gets charged a day after the over draft happens, and most of the time I do n't see that my account has an over draft and would see it after the over drafting happens

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I am trying to get money from  XXXX  and my bank chase is not sending over my info quick info and now I ca n't get the money I need. Please send over my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Brclysbankde   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have called and told them that someone tried to open an account in my name and they refuse to let me talk to the department that would take this off my credit report. I have never applied for this place. I am not even sure what it goes to. OPPlease take this off all 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 2017-06-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted to contact the credit bureaus o n   XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would pro vide proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus

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 2017-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On  XXXX   XXXX , I call ed USAA Debt Solutio n due to received a letter about loan being pass due. They refer me to   XXXX   XXXX   and I filled out an application for a short term hardship. I fax documents back and was told it can take up to 30 days. I called for updates and told it 's pending. Even called on  XXXX   XXXX  and  XXXX   XXXX  concerning another issue and not told approved. Received letter dated  XXXX   XXXX  threatening repo. Called  XXXX   XXXX  to  XXXX   XXXX  and told was approved for program on  XXXX   XXXX  but no one called to let me know because I 'm on do not call list. Stated no because I get collection call and never requested. Asked for date placed and why but was told no date. Reque sted manager callback. Manager callba ck  XXXX   XXXX  and tell me just got fill out new application because over 30 days. The process takes up to 30 days itself so. She stated ca n't use old approval. Get more calls and stated must pay by  XXXX   XXXX  or will repo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have attempted to contact the credit bureaus on    XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would provi de proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus

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 2017-06-17 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: GA

Complaint narrative:
I have attempted to contact the credit bureaus on    XXXX   XXXX    requesting proper documentation for the things that have been reported. I did not receive a response, on    XXXX   XXXX   I c alled all three bureaus they stated they would provide proper documentation within 30 days and I have received nothing.  <P/>  XXXX   - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I use   XXXX   XXXX   to budget and avoid overdrafts and they depend on the bank to send updated balance and transaction information. The bank has been consistently and unacceptably slow at sending this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
I received a prepaid debit card from Brinks that I did not ask for or order, I do received SS benefits from the passing of my father and I thought maybe social security had sent this to me. I called to activate the card and had a representative on the line that took my information and then asked me to confirm my identity by emailing them a copy of my ID and social security card. As far as I know you do n't email your social security card to anyone or any company., unless you are at the site and using if for a job or getting an actual bank account.     I am placing this complaint as they do have my ss number and my name and DOB, and my address.     So far I have had nothing taken from my account that I can tell, and I just want to make this aware as looks like another scam to steal peoples identity.

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 2017-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
FNB  and  XXXX   XXXX   XXXX  attempt to well test in  XXXX   2017  with previous buyer, same company and could not because of a leak in the pump. Same issue with me second attempt and still not fixed. Tried to make me pay for it to be fixed in order to test. Dragged it  out two weeks, Finally fixed and tested third attempt same company two weeks before closing.   XXXX   XXXX   presence, suspect a covered up issue. Would not pass HUD  with previous buyer?   XXXX  Also I obtained pre-approval with FNB and they inflated closing cost because it was there foreclosure which I did not know until later - Conflict of interest.   XXXX   XXXX / XXXX / 2017  Bid Acceptance  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$1000.00} ) Good Faith  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$200.00} ) Inspection Water  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$450.00}  XXXX   XXXX   XXXX   XXXX / XXXX / 2017   XXXX    XXXX   XXXX   {$360.00}  XXXX / XXXX / 2017  Make decision on test results - no time to bleach and retest.   XXXX   XXXX / XXXX / 2017  -  Close Date

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
O n  XX/XX/XXXX  I called Military Star to see w hy my online payment did not go through o n  XX/XX/XXXX  like I ha d made on the website. When I called on the   XX/XX/XXXX  and ta lked to someone to try to find out if it went through, the lady was rude, she asked mine and my husbands name, address, telephone numbers, checking account number, MY military star card number, and asked if I or we were both joint on our checking account. Then she put me on hold for  five mi nutes, When she returned she asked if my husband was here and he was not he was driving on his way home from out of state. I asked if there was a problem and stated that I was just trying to figure out if my payment had went through or if I did something wrong. She said her boss said as a  one tim e, courtesy they would give me the information I was needing just this  one time be cause on the online account it was only listed as my husbands name and not mine on the payment option on the website. She said the payment was set up to come out i n XX/XX/XXXX    and  not    XX/XX/XXXX .  So  it looks like I accidentally hit the wrong option for the date. I then asked her if I would just need to go back online and re submit the payment and correct the year and she said she could n't give me that information and asked if my husband was around again. I understand completely that they are just doing there jobs and they have all of the protocols they have to go through for proof, but she had asked me everything possible and seen that I was on the account as well and for me just simply wanting to know about if my payment went through or not.I should have not gotten this treatment and she should have not gone around in circles for just the simple information I was needing. This needs to be addressed and the company needs more training with their customer service skills.

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 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I try to cash out on   XXXX   XXXX   but it says that my back has n't updated i n 8 week s, not sure why. I went over everything 3 times just to make sure it was correctorthay everything was filled out so I do n't understand what 's going on. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: WA

Complaint narrative:
On Friday  XXXX   XXXX   2017   XXXX  as i have this saved on my phone for personal protection against negligent non-comlpiance from TransUni on . I spoke  with a  XXXX  a  Fraud Assistant Customer Care Representative from ''TransUnion '', a s they are the only ones who can handle my report due to fraud on my credit file. I was on the phone for close to 30mins.  XXXX  found the recent Letter I sent to TransUnion regarding the many Credit Inquiries placed on my file due to Fraud, That letter Contained a  XXXX  Police Report of Fraud with a notorized FTC Identity Theft Affidavit. This is more than enough to vindicate me from these unauthorized ''Credit Inquiries '' on my file.  XXXX   XXXX  they would be removed in  24-48hrs, but as of now they still report on my TransUnion Credit File.    XXXX  I SIMPLE ASK FOR TRANSUNION TO DO WHAT THEY SAY, AND DELETE THESE UNAUTHORIZED AND FRAUDULENT CREDIT INQUIRIES AS THEY PROMISED. If TransUnion is still unwilling to cooperate i will have no choice but to send all this information to my Consumer Protection Attorneys, and My Attorney Generals office.

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 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank has been taking a long time to communicate with my payroll company. It is very frustrating that they are way behind on syncing my actual funds to other apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NM

Complaint narrative:
I keep getting calls from a company claiming to b e Wakefield and Associates, from   the number  XXXX   XXXX   XXXX   XXXX   XXXX  about an attempt to collect debt. I am not delinquent on any debt and have checked my credit report. I am in good standing on every single loan I have. They have not sent mail about what I supposedly owe and they do n't answer when I call back. They have called last night at  XXXX   XXXX  on a Friday, again on  XXXX / XXXX / 17 , and on  XXXX / XXXX / 17 . They are well past the 5 day limitation for sending a letter to explain what I supposedly owe. I think they are a fake company because the number does n't match what is listed on their website.

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 2017-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I requested a payment of {$8000.00} from my retirement account at XXXX in XXXX. XXXX mailed a check ( # XXXX ) to my home on XX/XX/XXXX.
<P/>XXXX 's Bank is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Having not received it by early XXXX, I contacted XXXX. They said the check had been cashed with no endorsement, marked for 'deposit only. ' I did not cash/deposit nor reached this check. It was intercepted and deposited by an unknown party without a correct signature. XXXX mailed me several forms to complete, including an Affidavit of Unauthorized Endorsement or Altered Item. I had these pages stamped by a notary public on XX/XX/XXXX.. <P/>XXXX received these items on XX/XX/XXXX and XXXX emailed them to JPMorgan Chase onXX/XX/XXXX and JPMorgan responded to XXXX 's confirming receipt on XX/XX/XXXX. XXXX REP : XXXX. XXXX XXXX / Senior Investigator Client intelligence Unit XXXX / XXXX ext : XXXX JPMorgan Chase Bank will not respond to me with any information, since I am not the issuer of the check. They have have emailed XXXX. XXXX when he asks : with- in process. <P/>I continue to reach out several times to JPMorgan Chase - no information provided. JPMorgan Bank XXXX, OH Dept : Acct Check Claims XXXX Option 3 JPMorgan has been 'in process ' for nearly 3 months and I am overdue for a response and replacement check for {$8000.00}. {$8000.00} is a large amount of money to me. The money was to be used for taxes and medical expenses. This check appears to have been intercepted in the mail and deposited without my consent by an unknown person. <P/>I am seeking your help to reach a positive conclusion to this long overdue JPMorgan Process. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I tried to log into my  Coinbase accou nt to check the balance while I was on vacation in  XXXX . They locked my account and have n't restored access and it 's now bee n 2  weeks.     I have contacted the company repeatedly and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
My account is not being updated. I use a app called XXXX XXXX and the bank is n't updating my information. It 's saying my account is negative but it 's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Constar Financial Services, LLC
State: FL

Complaint narrative:
This is the second complaint I 've filed. the company is  Constar Financial . They continue to call on a student loan debt of my daughter 's. My daughter does not live at my home or telephone number, yet they continue to call. I 've told them to stop calling. The most recent call was  X/XX/2017   . The caller said her name was  XXXX   XXXX . When I told her to take my number off the call list she became agitated and said " You do n't have to be nasty! '' I told her I 'm not being nasty but I want my number off their call list and said I would file a complaint with the CFBP.

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 2017-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I made a purchase at Best Buy using the  my Citi Best buy  Credit card. On  XXXX / XXXX / XXXX  in the amount of  XXXX  with a deferred balance for twelve months which gave me till  XXXX to pay it off I paid over that amount to honor the deferred amount. I was charge  XXXX  dollars in interest on my  XXXX   XXXX  bill. I called the company and they stated once interest is on the bill it can not be removed. I did make another purchase in  XXXX  for  XXXX  dollars. In order not to get the interest charges I had to pay the entire bill not just the promotional balance which was not made clear during any of my purchases.

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 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
Sometime last year, I had a checking account with U.S. Bank. I did NOT have automatic overdraft protection, and since I did not have this service, I was under the impression that all debit purchases that exceed my checking account balance would be declined. I made a decision to move my primary checking account to another bank, but I did not close my U.S. bank account. I believe I had a balance of just under {$10.00}. At some point in time, a debit purchase that exceeded my bank account balance by about {$0.00} [ XXXX XXXX ] was paid by the bank. Then, shortly thereafter an OD fee of {$35.00} was posted to my account. I did n't realize that this happened until about 5 or 6 months later. During that time, the bank continued to charge recurring fees because my account was overdrawn. By the time I realized what had happened, the bank had charged over {$300.00} in fees to my account and they closed my account. I sent a few correspondence directly to the bank using their secure messaging system. Unfortunately, once my account was closed, I no longer had access to the messaging system, and I did n't think to make copies of the correspondence for my own records. <P/>In short, I think this bank has unjustly enriched itself by charging over {$300.00} in fees for a XXXX XXXX transaction that they should never have approved in the first place. One of the reasons I chose to move my checking account to another bank was because I felt that U.S. Bank charged exorbitant fees and they were not XXXX-friendly ( I am currently a XXXX XXXX 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 2017-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: NY

Complaint narrative:
I calle d KeyBank at the  end  of  XX/XX/XXXX  for a def errment. The deferrment was approved. I have sent in the agreement  four tim es, and they have only gotte n one of  them, and will not accept it because it was cut off. I called yesterday to confirm receipt of the agreement, and she said she only got the one that they can not accept. If I am sending all of them to  XXXX  XXXX  XXXX , how have you only received  one of the four? I fe el as if they are forcing me into losing my car, and I am doing everything that I possibly can to ensure this is taken care of.  <P/> Th e agreement is due today (  XX/XX/XXXX  ) and  I am worried that they are going to claim they did not get it, or that they can not accept it.

Company response to consumer: Closed with explanation