vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/2019 I called Chase credit card company to tell them that my payment will not be able to be made until XX/XX/2019 even though it was due on XX/XX/2019. I informed the associate that I had lost my job and found new employment but will not get paid until XX/XX/XXXX. I told her that when I get paid I will pay the bill in full for two months - {$350.00}. She then said that she will notate the account to give me until the XXXX. I thanked her for her generosity and ended the call. At no time did she give me any other disclosures nor did I consent to anything regarding a payment. On XX/XX/XXXX I logged into my Chase online account and made my payment for {$350.00} with my XXXX XXXX checking account because I received my first paycheck. On XX/XX/XXXX I received a notice from XXXX XXXX ( whom I have a checking account with ) that my account was over drafted by {$150.00}. When I looked there were two payments for {$350.00}. When I logged into Chase it showed that an automated payment was processed XX/XX/XXXX and went through XX/XX/XXXX. This was without my consent or permission nor was I informed that she was doing that. Never at any time did she read a disclosure to me telling me that she was setting me up on auto pay. I manually pay my bills all of the time. I called chase and spoke to a male supervisor who informed me that because my credit card was over the limit, they couldnt guarantee me to get my money back into my bank account. I filed a complaint with chase around XXXX on Monday XX/XX/XXXX with that supervisor and then called again that evening on XX/XX/XXXX around XXXX and informed a female supervisor that I was going to file a complaint with the consumer finance protection bureau. In both cases - with the first supervisor and the second supervisor, they did not show any empathy or care for my situation - they only focused on my account being over the limit and did not seem concerned when I told them my account is over drafted as a result of this unexpected expense AND that the employee who set this up without my knowledge violated my rights by withdrawing money without my permission. I filed a claim with XXXX XXXX to help me because Chase was being uncooperative and did not want to help me. They agreed to waive any fees and reimburse me and I agreed to let them know if chase does anything to help me in the future ( but I highly doubt it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I HAVE ALREADY SUBMITTED A COMPLAINT # XXXX BUT DECIDED TO CALL CITIBANK AGAIN TODAY AND TRY TO RESOLVE THE MATTER. AS I STATED BEFORE THEY SENT ME A PROMOTION ( SEE ATTACHMENT ). I SUBMITTED MY DEPOSIT ( SEE ATTACHMENT ) AND WAS TOLD BY XXXX XXXX ( BRANCH MANAGER ) I WOULD RECEIVE XXXX POINTS SOON AFTER THE REQUIRED 60 DAYS WAS UP. AFTER 60 DAYS I CONTACTED HIM AGAIN AND HE SAID HE WOULD LOOK INTO IT AND THAT I SHOULD RECEIVE THE POINTS SOON. WELL THIS SCENARIO REPEATED IT SELF FOR SIX MONTHS. WHEN I CALLED XXXX ( BUSINESS CHECKING NUMBER ) THEY SAID I HAD TO GO THROUGH MY BRANCH FOR THE PROMOTION AND THE BRANCH SAID I HAD TO GO THROUGH THEM. ALL THE WHILE I WAS ASSURED THAT I WOULD BE GETTING THE POINTS ANY DAY. TODAY I TALKED TO XXXX? ( VERY RUDE ) TEAM # XXXX. SHE FIRST SAID I WOULDN '' T RECEIVE THE POINTS BECAUSE THEY TOOK OUT {$15.00} EVERY MONTH IN MAINTENANCE FEES. I HAD TO POINT OUT TO HER THAT ON THE PROMOTION IT SAID THERE WOULD NO FEES!!!! SHE THEN CHANGED HER TATICS AND SAID I DIDN'T QUALIFY BECAUSE ONLY {$200.00} OF MY {$5000.00} CHECK WAS AVAILABLE TO BE WITHDRAWN WHE I FIRST SUBMITTED IT. I HAVE LEFT {$5000.00} IN THIS ACCOUNT FOR THE LAST 6 MONTHS AND WAS NEVER TOLD ANYTHING EXCEPT YOU WILL BE GETTING YOUR POINTS SOON!!! I AM GOING TO CLOSE MY ACCOUNT BUT FEEL LIKE I HAVE BEEN RIPPED OFF AND LIED TO!!!!

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 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have owned my home since XXXX and currently in a repayment plan through a bankruptcy with agreed amounts of mortgage payments to my lender each month. During my Bankruptcy Ocwen was my lender for several years and just recently was transferred to PHH mortgage services and I have always made the payments without missing any with statements coming to me reflecting the payments. Today the attorney representing me, XXXX XXXX advised me that PHH Mortgage has filed a default with the bankruptcy court claiming I am 19 months behind in payments and requested the stay lifted to protecting me from foreclosure or in lieu demanding a XXXX XXXX plus past due amount be cured all before a XX/XX/XXXX hearing in which I was never served for and had no awareness had not my attorney called me today alerting me of this. Unfortunately I had similar problem with Ocwen not  properly applying payments and when they did they placed payments in a suspense account and I believe this is where things went wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
On XX/XX/XXXX I was informed that funds on my direct express account in the amount of {$72.00} were taken out of my account by companies such as XXXX XXXX  and XXXX on XX/XX/XXXX. I immediately called direct express about a dozen times that day until I actually got somebody on the line and I started the dispute process. I filled out my forms that arrived a week later and on XX/XX/XXXX I received a letter stating Im being denied reimbursement of the charges that I stated were fraudulent. Per direct express I have given permission for a third party to use my card in the past. I dont even own a XXXX nor have I ever used XXXX before. I called direct express again on XX/XX/XXXX after I received the letter and asked how can this possibly be investigated as whoever obtained my card number also tried making other charges which did not go through as they emptied the last of my money in the account. This also caused my phone bill to bounce when those charges went through. Any proper investigation would show my spending habits are pretty similar and how the charges came through should be a red flag whenll the large purchase was declined for insufficient funds. I was left with {$5.00} in my account but no thats not the case. Im told that there is no appeal process and to try and dispute the charges with the merchant. I asked direct express to provide me with information on the XXXX charges but the rep informed me they dont have anything to give me. I contacted XXXX directly who said without the banks information as to whos XXXX accessed my card they can not help me and they were shocked the bank cant provide any information. Basically, we are told this is a safe way to receive our benefits and we are protected against fraud but this is not true at all. The banking practices of direct express needs to be investigated as this is happening to so many people who rely on their government payments to live.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I have no legal binding accounts with this company. Had no information with this company or 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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed a CFPB complaint, a XXXX  complaint, contacted the Senator of Florida XXXX XXXX, I have contacted the attorney general of Florida, wrote a letter to the Director of the CFPB and I have hired an attorney. I also have 45 recorded calls speaking with Equifax. I will not stop until they pay for the damages they have caused me. I have all supporting documents of their failure to uphold the law in regards to my credit report. They have allowed a creditor to reage the debt on my credit and drop my credit score. They refuse to follow the laws given by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was scammed on XX/XX/2019. I bank with Navy Federal in XXXX XXXX, VA. I deposited a check that was a fake check. I did not know that the check was fake. The bank failed to catch that it was a fake check also, and it resulted in me losing {$2500.00} in funds. I believed that the fake check was real because it was deposited and cleared. I did not know that a fake check could clear my account as the fake check sat in my account for about three days. Prior to using the check, I contacted the bank to ensure that the check was cleared, and that the funds were deposited into my account. It was confirmed able to use. 

On XX/XX/2019, I went into the bank and used teller services to cash a check. The check was handed to the teller and I provided with cash, {$36.00}. I received notification from the bank several days later that the check was an expired check. I had no idea. However, I could not understand how the teller failed to notice that the check was expired and could not be cashed. 

I have had many problems with Navy Federal missing critical fraud issues. It boggles me that the fraud/scams are not caught at a faster rate. I have had to contact them to inform them of errors made by their bank. I happen to believe that Navy Federal employees may be assisting or conducting these fraudulent matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK

Complaint narrative:
When I filed chapter XXXX bankruptcy, my mortgage loan servicer continued reporting to the credit bureaus. The reporting should have stopped in this situation. They reported multiple late payments. After arguing with them, they issued a letter on XX/XX/XXXX stating they I had been current on my account since XX/XX/XXXX. They now refuse to report this on time payment history to the credit bureaus. I have tried everything with them and it has been the most frustrating situation i've ever had to go through. They are in violation of the Fair Credit Reporting Act and I can not buy another home until they correct this. Please assist in any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX {$4400.00} was fraudulently charged on my Bank of America Visa card by some unknown person at a retail store in XXXX XXXX The charge was made without my knowledge or authorization. I have not used this card for many years I notified the bank XX/XX/XXXX when I noticed the charges on our online banking statement. I wrongly assumed this was the resolution but on XX/XX/XXXX received a letter denying my claim. I called XX/XX/XXXX and requested an appeal and sent a written request stating I did not make these charges. Their fraud department states these charges were made in person on a card with a chip which indicates you or someone you allowed to use your card was present you are required to make payments on your account. 
I believe my liability is no more than {$50.00} for these fraudulent charges

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 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Hi I was trying to add my credit card to XXXX XXXX  and I also have higher interest charges on my credit card statement and Im struggling to make ends meet and finally I having trouble adding my credit card on XXXX eats and the credit card company told me I need to contact XXXX and XXXX support to fix the problem in which I did and I dont feel comfortable giving out my credit card information to XXXX and XXXX over the phone ... and TD bank reps were rude to me and hanging up on me and transfer me to different departments and all I wanted is too add XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have been charged for a product I did not want or purchase. A charge of {$14.00} has been charge to my account for several months. The last charge was dated XX/XX/19. I would like to close the account. I have tried to contact Synchrony Bank but it is impossible to contact them.

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 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are accounts on my credit report that aren't mine. Please remove them.

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 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied to a capital one credit card after it was suggested to me as " fantastic '' odds of approval on XXXX, the service I use to monitor my credit. I applied online XX/XX/2019. The application ID number is XXXX. On XX/XX/2019, I received a letter from Capital One asking for more information to be faxed or mailed to them. I faxed the documents requested ( income verification of my yearly income from my school as indicated as an acceptable document for income verification ) on XX/XX/2019. I faxed through XXXX XXXX which confirmed my document wet through. The next day, I called the number listed on the Captial One letter requesting my information to verify the fax was received. The phone is a robotic auto prompt. I followed the prompts to check on the status of my application and it reported to me that it was received and I would receive notice of the decision within 10 business days I am a law student and the last three weeks I have been in finals. Today, before my last final, I called to follow up on the application and found that capital one received it on XX/XX/XXXX but it was illegible on their end. They did not call me, write me or otherwise attempt to contact me and let me know of the transmission issue. They sat on my application for 21 days before closing it out saying I failed to send my documents. I have a copy of what was transmitted to them and it is a typed letter, clearly legible. As a full-time law student, I am very attentive to my credit and put a lot of thought into it before I decide to apply for something that will pull a hard inquiry on my credit. I would not have submitted my approval to pull my credit if I thought Capital One was going to discover an issue with a document I sent in and refuse to contact me. Further, they have not sent me anything about my denial or my rights as a person who had a hard credit report pulled and credit denied. I called and spoke with a supervisor, XXXX, at capital one this morning and stressed all this. She said If I want to reapply, I can but it will be another hard credit pull. Further, XXXX told me my application was denied on XX/XX/XXXX and even still, I've received no documentation or contact from them at all. 

this is blatantly unfair and unethical practices on Capital One 's side of the bargain. I didn't agree to them running my credit and refusing to take any action to actually evaluate my creditworthiness. I asked them to remove the hard inquiry on my credit but they said they could not do that because I approved it, even though the conditions I approved that on were based on good faith and fair dealing with me as a consumer and a particularly vulnerable student.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
My father, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, died on XX/XX/2019. He held a Cash Back World Card from Citizens Bank, card number XXXX XXXX XXXX XXXX. I called customer service at XXXX to cancel the account on XX/XX/19 and again on XX/XX/19. I also  asked for the earned cash rewards. My dad had earned {$100.00} in cash rewards through loyal use of the Citizens Bank CC. The Citizens Bank phone reps canceled the card but said that they could not pay the cash rewards because they are not payable once a person dies. I have reviewed the terms of the World Card available online and can not find such a restriction. Even if such a restriction exists, it would be both in fine print and a business ' misleading and underhanded means of dishonoring a promise wherever it can easily do so. That's exactly the kind of business that the CFPB exists to counter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: NV

Complaint narrative:
There are accounts on my credit report that aren't mine. Please remove them.

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 2019-12-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There are accounts on my credit report that aren't mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. 

The account in question is XXXX  XXXX Account # XXXX ... Amount {$1400.00} for an authorized/unknown utility.

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