vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello to whom it may concerns, I have problems with chase bank. On XX/XX/XXXX in the evening I received notice of being overdraft from my checking for {$8.00} I immediately deposit {$100.00} because I know that there will be potential automatic payments coming through. Another transaction came out Sunday {$19.00} and Chase charged me {$34.00} overdraft fee which created chain reaction of multiple overdraft. Right now I have 3 overdraft of {$34.00}. And I have other transactions ( Automatic payments that will come through ). Right now I am {$80.00} negative. I called Chase and asked them to reverse their fees putting me negative they said know because we already reverse fee for you this yr. But Chase reverse fees that werent correct. And they called that courtesy reversal. I didnt do anything wrong, you charged me wrongly, that is why you gave it back and now you will not correct another unfair charges because you were nice to me already for giving back what shouldnt have taken in the first place. That doesnt make any sense to me. 
I have income reduction I can afford paying my bills, but I can't afford letting my bank scamming out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2018 I was charged a fee of {$120.00} to my XXXX XXXX XXXX Business account for a tax levy by the state of California . I had been working on a payment plan and the Franchise Tax Board mishandled my account and did not process my paperwork. After speaking with an agent at the Franchise Tax Board I was able to have them send a release because this was an error on their part and get the payment plan submitted. 

I called Bank of America who holds my account to verify the release and request the refund of the {$120.00} because XXXX the Franchise Board agent told me she would be sending that release yesterday. They had received it. After confirming receipt I asked the fee be waived because it was an agency error same as a merchant error. I did everything I was supposed to. The agent got extremely aggressive with me. She stated that I needed to get the {$120.00} from the California Franchise Tax Board. I explained that they would not refund a fee that they did not collect. And usually when this is done in error to a client banks have been obliged to refund that fee. I told her I understand if it is a normal levy that was done properly. But this was an admitted mistake by the agency. Also in the past Bank of America has waived these mistaken levy fees before. She became more hostile and disrespectful in which a that point I asked for a supervisor. 

I was transferred to a gentlemen named XXXX who was very polite and stated that even though the Franchise Tax Board was at fault and this does happen a lot including to him. That the bank would not refund the fee. This is an issue of principal because had this been any Merchant or other company mistakenly charging my account I would have received a refund. Instead I was insulted, disrespected and told to ask the agency who did not charge the fee for a refund. 

I believe this is a fee hungry bank that is escalating abusive fee practices when a client is still charged for a mistake by a government agency.

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 2018-11-07 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: Innovis
State: KY

Complaint narrative:
I attempted to purchase a home and the lender pulled a hard inquiry on XX/XX/18. He told me later that they might do a soft pull for some items but would not be doing another hard pull. On XX/XX/18 both the lender and the agency they work with did hard inquiries. I was never told there would be two on the XXXX and was told they would be soft inquiries. My loan was ultimately denied ( they texted me to tell me- no call, email or any documentation ). I am not happy that three hard inquires came from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I am following up on my previous complaint XXXX-XXXX. 

This case was closed without any resolution or official response from Wells Fargo Bank. 

My claim of fraud regarding the refinance of mortgage with Wells Fargo is valid and legitimate and I need an official written response to my claim. 

Wells Fargo has failed to provide this and will now return my phone calls. 

Thank you in advance for your assistance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
We paid off our mortgage on XX/XX/2018. We sent a wire transfer, as requested by the mortgage company, in the amount of {$24.00}. Our payoff statement stated this was {$4.00} for principal and {$20.00} for a recording fee. At that time we had an escrow balance of {$890.00}. On XX/XX/2018 {$20.00} was removed from our escrow account with the descriptive reason being " partial payment ''. This lowered our escrow balance to {$870.00}. The escrow account was for home owners insurance only, as we pay no property taxes due to my rating as a XXXX XXXX XXXX veteran. If our loan was paid in full, as well as the recording fee, what was this {$20.00} payment for? I contacted the mortgage company 3 times in XX/XX/XXXX via telephone to inquire why the {$20.00} was removed and what it was for. Each time I was told my inquiry would be forwarded to the correct department and I would receive a written response in approximately a week. No response. I sent two secure messages from my account on their website requesting the same information, one on XX/XX/2018 and one on XX/XX/2018. Each time their response was " XXXX XXXX Your secure emailed message is currently under review. We realize the urgency of your inquiry and we appreciate your patience. We will have a written response to your concerns. Should you have any questions, please feel free to contact our office at Toll Free XXXX, Monday through Thursday XXXX XXXX. to XXXX XXXX, Friday XXXX XXXX. to XXXX XXXX Pacific Standard Time. 

As of today, XX/XX/2018 I have yet to receive a reason for this {$20.00} being removed from escrow. It is now been over 2 months from my initial inquiry. I need to know why this {$20.00} was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express : On XX/XX/XXXX I requested a credit for an overpayment to my card. {$900.00} would be refunded to me by check to be delivered by mail. I chatted with customer service to initiate this : Depute : XXXX On XX/XX/XXXX I had requested an update with American Express about the check being issued. In which they told me an new check can be cut and expedited to me. I made several phone inquiries about the check as well. On XX/XX/XXXX, Amex issued a letter that said that the refund check was cashed. I did not personally cash that check, The check says " pay to the order of ( unreadable name ) '' and a forged signature. 
Posting date of XX/XX/XXXX. Included in the response, was a affidavit of forgery to fill out that I did indeed fill, notarized and sent in. 

Dispute XXXX On XX/XX/XXXX, I called in to see what the situation was with my check, I was assured that the balance will be credited back to me by multiple reps at this point. However, when I called they said they had not received affidavit of forgery. 
In which I had to fill, sign and notarize a 2nd Affidavit of forgery to for my missing money. 

Dispute : XXXX On XX/XX/XXXX I received a message of receipt of my affidavit and that they will investigate. 

Dispute : XXXX XX/XX/XXXX Still no resolution and I've been without {$900.00} for 6 months. 
On XX/XX/XXXX I filed a complaint to the CFPB, and received a form to be sent in to The collections Fraud Packet CFBP Ref No : XXXX-XXXX It filled it, faxed a copy into the stated line, AND sent in the filled packet by certified mail. Received XX/XX/XXXX signed by XXXX XXXX. I believe there was a corresponding case XXXX for it. 
I also resent in a signed affidavit of forgery, for the inquiry. 

On XX/XX/XXXX, I put in an inquiry on the status of the everything. I was told that status wasnt available. Case XXXX On XX/XX/XXXX AFTER the 6th month investigations should have been cleared I called in again, and after about 40minutes worth of hold time total, the service member advised that again, there is no update on any of it. Case : XXXX I have requested to speak with a supervisor on 3 separate occasions including XXXX, all three times I was assured a supervisor would return my call and NONE have been returned. I have failed to be given any resolution on every step of the way, and I have been with out {$900.00} for an entire year, which has been a great financial burden. I request that my account just be immediately be credited for the amount, so I may finally get resolution to an issue Ive been dealing with for over an entire year. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
In XX/XX/2018 I spoke to a representative at GM financial and was told on their recorded line that I would be able to give the vehicle back and get it back after a month or two and continue the payments since I was going through a difficult time financially. When I called back asking about the letter I received after the car was returned stating the vehicle would be auctioned off I was informed that I was lied to by the previous representative and that unless I had the past due balance plus the repossession fee or the total loan amount I wouldn't be able to get my car back. Now I am stuck with a repossession on my credit. I submitted a complaint to the company about the situation but was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, On my credit report, there are 4 negative accounts which show incorrect account numbers, balance and charge off. These accounts do not belong to me. Please delete the accounts as these are hurting my ability to obtain financing. 

These accounts do not appear on XXXX  or XXXX. 

I have highlighted the areas in question. If you can not VERIFY that the information belongs to me you MUST remove the items within 15 Days of this notice. If they are not removed we will take your company to court and sue you for defamation and damages. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: MO

Complaint narrative:
Someone unknown to me has put me on their account as an authorized user, Inwhich I'm asking the credit agencies to remove / block the following accounts immediately. XXXX XXXX, and XXXX XXXX. I have no knowledge of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: CA

Complaint narrative:
Recently, I and my family have been in search of a new home. I noticed a numerous amount of accounts, a social security number, addresses, etc. on my report that do not belong to me. i have filed a police report Please remove this fraudulent activity from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I and my family have been in search of a new home. I noticed a numerous amount of accounts, a social security number, addresses, etc. on my report that do not belong to me. i have filed a police report Please remove this fraudulent activity from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 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: CA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX Chase XX/XX/2018 - {$1200.00} I am writing to dispute a billing error in the amount of {$1200.00} on my account. The amount is inaccurate because i have canceled the order and contacted the merchant XXXX to make sure the charge was refunded. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed are copies of the order cancellation, and refunded documentation supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Order Cancellation, Refunded Receipt from Merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ronald H. Reynolds, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX filed a Garnishment in XXXX  XXXX in which I do not live in XXXX XXXX at the time filed. My past employee was XXXX  XXXX in which I work for when I lived in XXXX XXXX. Also I lived in PA for over 3 years in which a Garnishment is not vaild unless owed for Residential lease, Restitution for a crime, Owed Student Loans or Income Taxes, or State Taxes. Title III of the consumer Credit Protection act. Ronald Reynolds File in XXXX XXXX as if I work in XXXX XXXX and a resident at the time of filing in which bi was not giving a notice to after all the court papers was filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Someone unknown to me has put me on their account as an authorized user, Inwhich I'm asking the credit agencies to remove / block the following accounts immediately. XXXX XXXX, and XXXX XXXX. I have no knowledge of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Someone unknown to me has put me on their account as an authorized user, Inwhich I'm asking the credit agencies to remove / block the following accounts immediately. XXXX XXXX, and XXXX XXXX. I have no knowledge of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On Monday XX/XX/XXXX XXXX  did a hard inquiry on my credit report without my permission. I did not apply for any credit and have no accounts with XXXX in collection. I had a credit card with XXXX which I closed on XX/XX/2010 and paid in full. There was no reason for XXXX to authorize a hard inquiry without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2018 I filed a Police Report for identity theft due to several accounts that were reporting on all three of the major consumer reporting agencies. In addition, I've sent Equifax several letters, correspondence, and copy of my police report supporting my claim, with all the accounts in question listed on the police report. Since all accounts with the exception of one which is listed under XXXX XXXX still remains on my Equifax Credit Report. I sent a follow up letter to Equifax regarding this issue but have yet to receive a response. This account was previously removed and blocked from my XXXX and XXXX Credit report. Equifax continues to violate the Fair Credit Reporting Act by reporting this account which was established without my knowledge or consent to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX I received an AARP Chase credit card with rewards. I have periodically redeemed the rewards to the monthly payment. On XX/XX/XXXX with a minimum due of {$78.00}, the reward of {$84.00} was redeemed and posted to my card account. Then a {$35.00} late fee was posted. I called customer service and spoke to XXXX who adamantly told me " Rewards can not be used for a minimum payment. '' The 5-fold brochure I originally received with my new card, dated XX/XX/XXXX, advised that rewards may be used for merchandise, AARP membership renewal, travel, gift card and cash ( as checking account deposit or to be applied to the statement ). I have not received any other redemption terms since the one in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I was under a vehicle lease agreement with GM financial for a XXXX XXXX Pickup Truck. All monthly payments were paid in full on time for the first 36 months, up until XX/XX/2018 when a clerical/technical error in the GM payment system stopped my payments from being withdrawn from my account. 

This resulted in two months of missed payments ( {$530.00} ), however GM Financial claims to have called a phone number regarding this situation that was no longer associated with me. No notification was given via alternative phone numbers or numerous email addresses associated with the account until XX/XX/2018. At that time, immediate action was done on my part to pay the outstanding balance in full. 

I then learned that my account was reported to the credit agencies as a delinquent account. I disputed this with GM Financial, they acknowledged that the notifications were sent to a phone number that was no longer connected to me and that no other forms of communication regarding the ceased payments through the GM Financial system. They also acknowledged that the payment was received promptly once I was properly notified, however they would not rescind the notification to the credit agencies. 

I was told that they ( 1 ) refused to investigate the issue within the GM Financial payment system, ( 2 ) would not revoke the delinquent notice to the credit agencies, and that no further action would be taken by GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have written and faxed over documentation to the major three credit bureaus regarding addresses on my report that are incorrect, and the information was not removed as I requested. I have been at my current address for over 10 years. Please contact the bureaus about this request. The bureaus are supposed to report accurate information and in this case they are not. 

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 non-monetary relief
Consumer complaint received 2018-11-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On Monday XX/XX/XXXX XXXX did a hard inquiry on my credit report without my permission. I did not apply for any credit and have no accounts with XXXX in collection. I had a credit card with XXXX which I closed on XX/XX/2010 and paid in full. There was no reason for XXXX to authorize a hard inquiry without my consent.

Company response to consumer: Closed with explanation