vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Fraudulent checks where deposited into my Chase college checking account and both were taken out my account within 24hrs even though they were both over  XXXX  meaning that it shouldve taken a couple of business days to be checked. It caused my balance to go into the  XXXX  and when I filed the claim they gave me a temporary credit. They then also said that the inqiruy was resolved. They then told me that my account would be closed within ten business days, they told me to not call back or it would reset the closing process. They did n't call to update me on the claims process so I was not informed that they need more info to officially close the claim. Instead they instead reverse the claim and told me that i would have to pay back the  XXXX . i could n't even check my account during the claims process because my account was restricted so i had complete no clue what was going on. They refused to take responsibility even though they allowed the checks to go through without the proper hold and ignored the fact that I had a college account so a withdrawal of that amount in one day was over the set limits for a college account. I think that chase tries to get over on its younger clients

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Recieved several calls from  XXXX   XXXX  regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including  one that w ould be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I received a letter from TCF National Bank and a questionnaire to be completed in regard to money transferred to another bank. The amount of the funds transferred totaled {$900.00}.   They requested from me : " What is the purpose of the transactions? '' " Who are the beneficiaries/originators of the funds? '' " Provide name, physical address, DOB, occupation, and nature of your relationship for the originator/beneficiary of the above mentioned transaction. '' I called TCF to get more info and was told they wanted to get to know their customers better ( I 've been a customer since around   XXXX    ), t hey want to know where the funds went ( they transferred them to  XXXX   XXXX  at my request ). If I do n't comply, they 'll close my accounts.   Told them this is intrusive, that I 'm not doing anything illegal and that I 'm not willing to provide the information.   I was told that they have a right to obtain this information due to  the Patriot Act. This  Act was not mentioned in the letter, or the questionnaire, and was only brought up  by TCF at least 10 or 15 mi nutes into the conversation. The person had no section number or any other info regardin g the Patriot Act. TCF state d more than once to me that my accounts would be closed if I do not comply.There also was a deadline to return the completed questionnaire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Selling my mortgage to a Business That Is Not BBB Accredited Mortgage Company.  XXXX    XXXX    XXXX . Without giving us an account number or without approval from us. Leaving me open for more of their stealing and helping  XXXX  to do what their past complaints consisted of to me. Got notice today and It starts  XXXX   XXXX    XXXX  . Less than  2weeks.  Spoke to  PNC (   XXXX   )  she did not care. I took out the loan with  National City Mortgage Company. National  City was bought out  by PNC. I called PNC yester day and asked for a supervisor call us., they did not call us.  XXXX  said they have nothing to do with us any longer because they do not have our mortgage any longer. We have been paying on time for almost 16years. This is our home. We have more than nothing to say about who we do business with. Nationstar is the worst business they could have dumped us on. Nowhere on or contract does it say that they could sell our mortgage. We never implied or signed anything allowing them. .Nationstar just got fined  XXXX   XXXX  Dollars fine last month. I was told by  XXXX  to call  XXXX  to get this information .I got a tape telling me that they would call me back. They did n't either.  XXXX  is also where my checking account is with no bouncing checks. Where did we go wrong. Nowhere.PNC went wrong. Just because their a bank that does not give them the wright to do what ever they want. I served my Country and I expect the lawful authorities to do there jobs. It amazes me how a company like  XXXX  stays in business. Own and operated by crooks. There are  XXXX  reviews about  XXXX  bad, XXXX  Neutral  XXXX good. All the complaints are of the same nature.Stealing, charging fines after suddenly misplacing their payments making payments late drawing late fees. ect..This is where PNC dumped my wife and I. We are  XXXX  and we do not or will not deal with thieves. The Government needs to shut down  XXXX  and not allow Banks lik e PNC t o dump you in the middle of this mess.PNC was our 2nd Mortgage company. We still have no payment book or even an account number. Would you trust them? I feel like we are being set up by PNC to later have  XXXX  steal from us.  PS My si ster had  XXXX   XXXX   XXXX .  3months ag o they foreclosed on her home .She said her payments disappeared. Payed through her bank.  XXXX  &amp;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  XXXX   XXXX . Please leave message been getting allot of sales calls since this happened.  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Please help me understand how the balance for my Navient Loan number  XXXX  increased since the first letter to the Consumer Financial Protection Bureau on  XXXX   XXXX   XXXX .     Date Loan  XXXX  Loan  XXXX  Total  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00} The following are the loans I have through Navient :  XXXX  number :  XXXX  ( subsidized ) *Loan number :  XXXX  ( unsubsidized ) The original principals were {$73000.00} for  XXXX , and {$130000.00} for  XXXX . I consistently made payments to these loans since  XXXX  when I returned from  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  and   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Two attempts to get debt validation from collection agency, with no response, got a citation to appear in court on  XXXX   XXXX  at  XXXX   XXXX . Get to the court house after waiting over an hour to be informed that the case was adjorned to  X/XX/17    ... no contact from the collection agency letting me know the case was adjorned. How long do i have to lose work over an account i am trying to find out about, and have no knowledge of? Please assist me in getting some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has refused to provide me with information about an Adverse Account concerning my daughter even though I provided a legally enforceable power of attorney.

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 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
They continue to call my work after I asked them not to. They are rude and said it was a claim against my social security #. Then the next day it was a recording with my name on it. And today they spoke to someone at my work asking for verification of my employment and the fax #. Then they said they will send someone over there to hand deliver. I already spoke to them and told them I do n't have {$9800.00} to pay them and to send anything to my home address.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In a chat conversation with  XXXX  who requested to do  a credit-check  ... I said yes to a soft-inquiry, and very clearly stated NO to a hard-inquiry.  XXXX  performed a hard-inquiry without my permission. Attached is the online chat session with specific instructions to  XXXX  NOT to perform a hard-inquiry. I want this hard-inquiry removed from all credit-bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Management Company
State: PA

Complaint narrative:
I know for a fact that this loan has been paid in full, because the payments were coming directly out of my paycheck from my employer. I did not send a direct payment into them, it actually was the  XXXX  loan I had with the company. When the money stopped coming from my paycheck, I automatically thought it was paid in full

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Eastpoint Recovery Group, Inc
State: CT

Complaint narrative:
I had spoken to a young woman  a Eastpoint Group regarding my debt and explained that I do n't have the money right now. I further explained that once my tax return comes I will p ay off the debt. They continued to contact me and then began to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank fails to allow there customers to set up auto pay online. I have mailed in their form multiple times. There is no confirmation t hat the account is set up. Every other student loan company allows auto pay online, why is Citibank any different? When I 've called to confirm the auto pay has been set up, I 've been told the form was not received. This has happened 4 times. This is a mistreatment of their customers and I demand action be taking to assure that Citi student loan customers are treated fairly. It 's the 21st century. Auto pay is everywhere. It is time for Citi bank to join.

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to dispute the account that  XXXX   XXXX   XXXX  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus for  XXXX   XXXX  as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit R eporting Act, 15 U.S .C. 1681. This account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to contact  XXXX   XXXX .   Thank you in advance

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 2017-04-18 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased a {$700.00}  CD f rom  XXXX   XXXX    XXXX   XXXX   XXXX   in  XXXX , which was to automatically renew, and opened a safety deposit box. I got sick and did n't turn in the CD and now find out that the bank was taken over by several banks that eventually beca me Wells Fargo in   XXXX . I need to collect my CD and find the contents of my safety deposit box. My son is still alive, but my husband has passed away. I have the original CD and my keys.

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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
This debt was paid and should never have been reported to the credit bureau. I have been in the process of rebuilding my credit over the past 2 years. I t ake my credit score  and report very serious. I was unaware that this was on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I began refinancing my home in  XXXX   XXXX . Prior to closing I received a tax bill from  the County  of  XXXX  for the amount of {$10000.00}. I questioned this an d the County ga ve me a corrected bill for {$2900.00}. I called Shellpoint Mortgage Servicing to question whether they would pay the correct amount. They assured me that prior to closing they would check and pay the correct amount of {$2900.00}. During the closing of my refinance  Shellpoint pai d the {$10000.00}. I had to put more money into the closing to make up the negative. On  XX/XX/XXXX   the County  of  XXXX  paid {$10000.00}, check #  XXXX , to  XXXX  Refunds,  XXXX   XXXX   XXXX ,  XXXX   XXXX  TX  XXXX . I began making calls to Shellpoint in  XXXX   XXXX  questioning where the refund is at and was told to call back in a week or so. On  X/XX/XX  I spoke with an  XXXX   (   XXXX   ) a t Shellpoint and also spoke with her supervisor  XXXX   XXXX  (  XXXX  ). I was told that  XXXX  had sent a large sum of money to Shellpoint with no attached loan numbers and that as soon as they, Shellpoint, could attach the funds with the accounts I would receive my refund. It is now  XXXX   XXXX ,  XXXX  and I have not received my refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.

Complaint narrative:
This collection company is calling my work to try and collect a debt. This is not acceptable as this is a business and not a private number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA

Complaint narrative:
On Saturday XX/XX/2016 I was promised via email by the Branch Manager of Prime Lending XXXX XXXX of the XXXX that I will be refunded for money spent for the termite inspection, appraisal and home inspection. As of today I have not received a refund but was sent a letter stating every excuse possible and no explanation on why I was told I would be refunded and so far nothing has been done.

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 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended a now closed for profit school, XXXX XXXX XXXX XXXX, in XX/XX/XXXX. A few months after completing the program my student loan payments kicked in, the one from XXXX being nearly {$400.00} a month. In XX/XX/XXXX my ex-wife and I moved from XXXX to XXXX, and I struggled to find work. She found work fairly quickly, but for far less money. The bills became a burden, so I reached out to my student loan servicers, XXXX XXXX and XXXX XXXX. XXXX XXXX have been very fair with me, first putting me into a plan with no payments until I found work, and then a graduated payment plan which kept the payments very reasonable. XXXX was a completely different story. They told me the only option for my " Smart Option '' loan was Forbearance, and when that ran out, they told me there were no other options available except to continue making regular payments. I found out how long it took for an account to go into Default, told them that 's what I was going to do, and proceeded to stop making payments to them until a month before the account went into Default, because I felt like I had no other choice. This, of course, destroyed my credit, but allowed me to survive from one day to the next. When I finally did contact XXXX again about payments, they were very eager to work with me for payments, naturally, and placed me on a plan for {$93.00} a month, automatically withdrawn from my account. After the first year I received my tax statement and realized that of the {$1100.00} I paid the previous year, only {$17.00} went towards the principal. They have sense jacked my interest rate back up to 10.375 %, and unfortunately while my credit score has improved, I have been denied every consolidation loan I have applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had my Sears account since XXXX and have gotten my updated cards regularly and do all my payments online and opted out of paper statements years ago. My card expired in XX/XX/XXXX and have never received a new card. When I called they said they were reviewing the account and I should know in about a week. Told me my available balance and said I can shop just have ID and my social security number. However, for about a year or so prior every time I logged on I had to verify the spelling on the card which I never had to do in the past. Also prior to my card inquiry sudden ; y I could no longer log on to make payments or check the activity on this account. It would not take my credentials. Nothing had changed. Called technical and we tried and tried no luck. Wasted an hour. So I had to make the payment over the phone. Every month thereafter same scenario and still no way to get access. Finally last month a representative stated that the reason was that I needed the new card information to create a new logon and that she would send out a new one. I made the payment over the phone that day and she waived the late fee since it was due the day before and I could n't get access. I still did not receive the card and all these months have had no statements or know if the balances were correct and just paying them blindly. This month I contacted them again and spoke to a supervisor and explained the situation and again no help. There is too much fraudulent transactions with these banks and I need to get this resolved ASAP.

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