vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During t he past three years Chase has charged my account with excessive overdraft fees. These fees are illegal penalties under contract law. Restatement ( Second ) of Contracts 356 ( 1 ). Many banks have been sued for these illegal charges. The fees bear no relationship to actual costs incurred by the bank and are thus illegal penalties under the Restatement of Contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America took {$1.00} from my Checking account at   XXXX   XXXX   without my Permission,, I called  XXXX   XXXX   XXXX   and ask about the withdrawal and they said that Bank of America gave no reason for the withdrawal and t hat BofA ha d the routing number and Checking account number. I then called Bank of America and ask them about the withdrawal from my  XXXX   XXXX   XXXX   account,,, I was on the phone wi th BofA for about 30 minutes, transfer 3 times and they said they couldn`t find any reason why BofA would take  {$1.00} from my  XXXX  Checking account and that I needed to check with  XXXX   XXXX   XXXX    , , I t hen ask then who gave them permission to withdraw the money from my   XXXX   checking account and where they got my routing and checking account numbers, they COULD not tell me,,,,, My   XXXX   checking account shows the {$1.00} withdrawal to Bank of Americ a on   XXXX   XXXX ,   XXXX  ,,,, , ,NO offer o f returning the money has been made,, I WANT MY MONEY BACK,,, a nd one more thing, the phone call to Bank of America , where I was transfer 3 times, was also recorded by Bank of America , I believe that  was on  XXXX   XXXX  or  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 2017-04-28 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:
There was a loan account opened under my name due to identity theft. I disputed the information with   XXXX   and   XXXX   by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  Phone nu mber :  XXXX .     I have been receiving phone calls from this company stating that I am being sued for an old debt with  US Bank. I contacted US bank direc tly after the first phone call and they stated that I do not owe a debt with them & to ask the company for a validation of debt.     I received a phone call from a blocked number, when I answered the woman on the phone was from   XXXX   XXXX   XXXX   XXXX   claiming to work at a law firm. When I asked her for a validation of debt, she declined. She stated that I would not receive that from them, I would receive that from the bank and that she is going to push a button and place t his $ 4,000+ debt to my credi t report, where it will stay for 15 years. She went on to say that if I did n't pay her with in the next couple of minutes that there would be no way to resolve the debt. This woman was very rude, she would not answer any questions that I had asked. She cut me off multiple times and threated me by saying she has my social security number, birthdate, address and information about my personal owned business. She stated that she has many avenues on which she can take to collect the money owed. When I told her I needed a little more clarification on the situation, she hung up on me ... twice.

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 2017-04-28 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: CO

Complaint narrative:
My ex-wife and I had a joint line of credit w ith Wells Fargo. When  she filed bankruptcy, the account was charged off in  XXXX   XXXX . Since that date, the account info has been incorrectly reported to  XXXX , and a check of my credit report today shows the account as still open and my status as  120+ days past due. I sent a letter to Wells Fargo in   XXXX   XXXX , and have disputed this issue  with  XXXX  several times.   XXXX   will no longer accept a dispute, and Wells Fargo continue s to give me the run-around and wo n't fix my issue. My credit rating has suffered as a result of their inaction.

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 2017-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took out loans to get a  XXXX  from   XXXX   XXXX   University - at the time, I did not know that the interest rates being charged were insanely high ( between 6 % and 8 % ). The original amount of my loans were about {$90000.00}. As a newly graduated   XXXX   XXXX  , I was only making about {$55000.00} per year and living in   XXXX   XXXX   XXXX   - I could not afford to make payments, so needed to go into forbearance. Because of capitalized interest, I now owe {$140000.00}. I am currently making payments of about {$900.00}  ( this is  a huge monthly burden ), and I am not making a dent in the balance - this is all going toward interest. I have pulled are report of the payments I have made, and over the years that I have been in repayment, I have paid close to {$250000.00}, but my balance remains the same. I feel that I will never be able to pay off these loans - at the rate I am going, the balance will remain the same for my entire life, and I am struggling to afford these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On   XXXX   XXXX   XXXX     I received a credit card offer from  Chase Freedom  through  XXXX , and on   XXXX   XXXX     XXXX   XXXX   XXXX    through  XXXX  because my score was  XXXX .   The advertising states they would do a soft pull on your report and it WOULD NOT affect your score. They do n't explain that they later do a hard inquiry to the Consumer. I spoke with Chase and   XXXX   XXXX   XXXX   and they both told me they would not change it to a, Soft pull. However  XXXX  advised me that they could change it where it would not affect my score. By them doing a Hard inquiry my score dropped to  XXXX  by  XXXX  points, I am very angry, Had it been properly explained to me that an initial Hard inquiry would follow I would not have applied. This hard inquiry will remain on my report for 25 months, which is utterly ridiculous. This is completely deceptive practice and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage is wi th Ocwen Home Loans,  not by choice.   On  XXXX   XXXX ,   XXXX  , I faxed a request fo r Ocwen to discontinue my escrow according to the guidelines set forth in my agreement. In my documents, it clearly states that an escrow account is a courtesy not a requirement ; however, my request indicated that an es crow account is required, therefore my request was denied. Your account information is limited online and this company does n't honor it 's own guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: LA

Complaint narrative:
Afni Inc  is reporting a debt of {$320.00} that I do not owe them.     They claim to be servicing a debt on behalf of  XXXX   XXXX   XXXX  but I 've never had an account wit  XXXX   XXXX   XXXX   XXXX   before. Not just that, at this very moment there is another collection agency under the name "   XXXX   XXXX   '' who is also reporting this same account to my credit?     How can  XXXX  collection companies be collecting on the same debt? Is n't that illegal?     I am attaching a screenshot from a recent report which shows how   XXXX   XXXX   is reporting this to my credit with a different account number.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these  XXXX  collection companies. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     The account number for  Afni Inc ' s debt is "  XXXX  ''. My report indicates that the account has an " open date '' of    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On  XX/XX/XXXX  I filed a Dispute with Eqifax to remove inquiries that were incorrect on my credit file, by  XX/XX/XXXX  I received confirmation that my Dispute was complete. The inquires we not removed and I was notified that it was factual. I called 13 times after filing 609 letters with all documentation proving that the inquiries made on   XXXX   XXXX   XXXX   was not made by me. I purchased my car  XX/XX/XXXX  and those inquiries fell off only to be done placed back with a date of   XXXX   XXXX   XXXX  . I received a letter that Equifax had a comprise into their system. Every rep I spoke to was rude and only replied with oh well it will come off in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
In  XXXX  of   XXXX  , a company called General Revenue Corporation, with their representative  XXXX   XXXX  in New York using the number  XXXX , has called more than 25 people in regards to my student loans. He has told them my phone number, where I live, and where I work. Some of the people did contact me and told me exactly the questions that were asked. He contacted my ex-husband and gave him this information. My life is now at risk!! He has been contacting people in my husband 's family whom I have never even heard of or know. He has also called my work number and has left messages with our administrative team. Questions he asks are "  Does  she still live at  XXXX ? '' Is her number still  XXXX ? Does she still work at  XXXX ? ''  XXXX  has called people I have n't worked with in years and has been giving them my information.

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 2017-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: NY

Complaint narrative:
My car was stolen on  XXXX / XXXX / XXXX  it was reported by th e NYPD since  it was in there possession due to an alleged dwi arrest on  XXXX / XXXX / XXXX  I was notified by the bank on  XXXX / XXXX / XXXX  that it was reported stolen the  NYPD never n otified me I had already retained an attorney  XXXX   XXXX  to have the car released unaware that it had been stolen. I went to the precinct that seized my car on  XXXX / XXXX / XXXX  they gave me all the paperwork to have my plates reported stolen  at NYS DMV  I did that I reported it to the insurance on  XXXX / XXXX / XXXX  I called the bank flagship credit acceptance and advised them that it was in fact stolen. I have been called twice by  XXXX  a supervisor at flagship stating I stole the car to return it or I had to pay {$2000.00} to have them find it and once they recover the car they will sell it and terminate my loan as non payment. I have been making my payments monthly from  XXXX  and still making them since the insurance company refused to cover the lost because t he NYPD is responsi ble so my attorney  XXXX   XXXX  has already file suit against t he NYPD for the co st of the car. If I have to continue paying the monthly loan payment I understand and will payoff the loan when we are awarded the money from the city but what I do n't understand is flagships harassing business practices the threats and accusations when I have done everything and have proof of what happened to the car.

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 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Received a phone call from IC System on  XXXX / XXXX / 2017  at  XXXX  EST.   They said they were calling about a " personal matter '' and asked me to confirm the address they have on file.   I asked them twice to explain what they were calling about, but they refused to provide more details and hung up.   My research indicates they are a debt collection company, but I have no idea what debt they were calling about since they hung up so fast. Now I am worried that my  credit score will get hurt.

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 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Collection company did not send documents to validate debt per fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: NV

Complaint narrative:
XXXX   XXXX   XXXX ? Chase Bank account # {$4300.00}  XXXX   XXXX   XXXX . We can not make payments to the - BALANCE TRANSFERS - part of this account. We applied for a balance transfer. When the no interest time limit expired we found that there was a balance still due of {$300.00}. We thought we had paid off the balance but some of our extra payments had been applied to the purchases part of the account.     From that time on Chase would not except any payments to the Balance Transfer balance.  In   XXXX   XXXX   XXXX   the balance was {$300.00}.  XXXX , do to the fact they applied all payments to the purchases pa rt of the account the balance is now  XXXX  The interest charged is about {$96.00}. In that time we have made extra payments to the account in the amount of {$690.00}. We have paid on time or before the payment due date, we have made payments at the bank with checks marked pay to Balance Transfer only. We have made checks to Principal only and they just accept them as normal payments.     The interest on the Purchases and  Balance Transfer is the sa me 14.99 %. With there refusal to accept payments on the Balance Transfer part of the account they just keep accruing interest. We do not remember anything being said that they would refuse any extra payments to pay down the balance on the Balance Transfer part of the account.     We have made phone calls to the bank and written letters they refuse to accept the payments to the Balance Transfer. Question, How can we pay the bill? They sent a letter saying that they regret that they can not change there rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Services was  disputed on  XXXX / XXXX / XXXX  with  XXXX   XXXX   XXXX .   XXXX   XXXX   has been disputed on  XXXX / XXXX / XXXX .     My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve wit h Early Warning Services ,   XXXX   XXXX  , and no luck.      XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Back in  XXXX     2015 I r ented a car from  XXXX . My credit limit was {$300.00}. When I returned the rental they told me I did n't owe anything. When I check my credit card I was charged {$1200.00}. I told them I did n't authorize a  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo told my son he could not get a student loan ... and encourage a co-sign er ... I/mother could not cosign ... because I was cosigned on the f irst one ... so my mother was asked to cosign and she did because it was the only way to get the loan as advised by WFB ... mother made many payments because my son was not able to ... but last year WFB sent two letters to my mom saying ... she should have never been on the loan and they will take her off ... I called and stated if she should have never been on the loan she should be given back her money and the loan should be closed because of having a second loan open fraudulently. WFB said they will return my mom 's money but will leave the account owing ... because my son should have been able to get the second loan on his own ... but how when he could n't get the first one without my   cosigning? I believe the account should be not only refund my mother but also close since the agreement conditions have changed and if given the original statement to my son ... my son did not quality for the second loan. We have yet to receive the check to my mother and they spoke to me asking me did my mom want to make the payments or made it out of obligations? I told them my mom is  XXXX   years old and is  not trying to pay on the loan out of want but because you sent mail to her saying she had to pay as the cosigner. ( I do h ave two letters tellin g my mom she should have never been the cosigner )

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 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I ge t 3-4 letters a month saying I applied for an amazon.com/Chase card. This is over 10 le tters now, and continuing each week.     Somebody is applying for cards in my name repeatedly, and I have called Chase twice, but they are doing nothing to stop it.     I have filed an identity theft police report, I have reported to the credit agencies, and yet Chase continues to process fraudulent applications in my name.     STOP! STOP processing account applications in my name. I am afraid that  Chase  will issue a card fraudulently to a criminal using it in my name or that I will have many hits on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems  #  XXXX  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX , ) (  XXXX  )  XXXX  ) Placed Collection Balance {$1000.00} dated  XXXX / XXXX / 2017  Creditors where the   XXXX   XXXX   XXXX   XXXX   XXXX   I lived at these residents 4yrs ago I stop living there in good standing never had a broken lease the apartment people put this fraudulent frivolous amount on my credit saying I owe them after I moved out the resident for what I do not know I was not taken to court or placed under eviction also the apartment was filled with bed bug that 's why I moved. Please handle this complaint for me and let me know what I can do as a consumer to get this off my credit I feel like I am being abused by the apartment complex because I never had any problems with them and I feel like this is a unfair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation