vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a job offer via email from a representative claiming to be XXXX XXXX, vice president of marketing/sales for XXXX XXXX XXXX, a manufacturing company based in XXXX, Kentucky. After accepting, I received a check on XX/XX/XXXX in the amount of {$2900.00} to cover my first month 's wages, and I immediately deposited the check into my bank account. The following day when the check cleared, I was instructed to withdraw {$2500.00} and purchase several money orders from the local post office, and to deposit them into the account of a Chase Bank customer, XXXX XXXX XXXX, whose account number is XXXX. I was told that the funds were for one of the company 's clients and would be used for a new construction project. On XX/XX/XXXX, I was notified by my bank, XXXX, that my account had been overdrawn due to the check being returned unpaid. I immediately contacted XXXX to obtain a copy of the counterfeit check to take it up with the issuer. I asked why they didn't hold the check until the money was there, but they told me that their policies dictated that I was solely responsible for the loss on my account. I then proceeded to the post office with the money order receipts and serial numbers to ask if I could cancel the money orders, but they told me that I couldn't do that without the actual money orders, which by this time had already been deposited. Then I went to Chase Bank to see if the money orders had already been cashed or if I could cancel them, but I was told that my request was in violation of their customer privacy policy despite the fact I had reason to suspect that one of their customers was a cyber-criminal. My complaint lies primarily with XXXX, for not holding the check until the funds were available.I am aware that federal law dictates that banks must make funds available one business day after the deposit, but this leaves a massive loophole for criminals to take advantage of honest banking customers. My secondary complaint lies with Chase Bank for not allowing me to cancel the money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I am applying for Public Service Loan Forgiveness and my lender is XXXX XXXX. Up until my XX/XX/XXXX billing statement, the PSLF payments made on my account were between 11 and 22 payments for each loan. As of my XX/XX/XXXX billing statement, my PSLF payments were reduced to between 4 and 6 payments. I contacted XXXX XXXX in XX/XX/XXXX and the agent wasnt sure what had happened. The XXXX rep assured me that a review of my account would be done. Its now the end of XX/XX/XXXX and I havent heard back from XXXX XXXX and my PSLF nimberbif payments hasnt been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: IL

Complaint narrative:
Sir/Madam : See previous complaint # XXXX. These are additional documents to initiate a second complaint. 
My housing councilor of the XXXX XXXX XXXX XXXX, XXXX XXXX received information by his phone call on XX/XX/XXXX to State Farm 's representative XXXX, prior to the XX/XX/XXXX concerning denial of Loss Mitigation/Modification. The company at the time could not give reasons for the denial and knew of the denial long before the XX/XX/XXXX. Neither, did they informed you of a decision, that was made to be reviewed on line. 
I am XXXX and on fixed income and use XXXX for the legal side. 
The letter is dated XX/XX/XXXX. I received by XXXX XX/XX/XXXX XXXX the denial letter with explanation. See attachment. 
t has come to my attention, XXXX XXXX is the owner of the Mortgage and they stated, current loan terms were the most favorable and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I disagree. Their proposal does not match fixed rate of 4.125 %. See initial documentation.

I have to XX/XX/XXXX to appeal. Sale date is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Report Confirmation number : XXXX Uploaded Letter dispute, sent notarized certified dispute letter to Experian on XX/XX/2017, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 1.  Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Amount showing is incorrect. There is a fee listed for a carpet replacement that didnt take place, no records or receipts were show when i asked for physical proof, verification, not just validation.

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 2018-02-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc
State: IL

Complaint narrative:
Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. XXXX gives my information to Northland Group and they call every hour at least. I already told them it will get paid and to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The incident occurred on XX/XX/2018. 

I was contacted by what was believed to be an employer, but resulted in fraudulent activity ; the bank was aware of my concerns during this interaction with the supposed employer. The bank is refusing to repair damages done to my account despite the recorded calls, text messages, emails, and documents. 

Before depositing a check received from this employer I verified with the bank listed on the check that the funds were available and the check was not forged, they assured me the check was real and the funds were available. I also expressed concerns with this bank about their member possibly committing fraud. 
I deposited this check into my bank account and called my bank to express concerns that the check may be bad despite what I was told by the employer 's bank, and waited until the check cleared to make any further transactions- in or out of the account. 

Before continuing the financial requests of the employer I once again called the bank to confirm the check was posted and good, and to clarify that I would not experience a negative balance due to the check ; the bank ensured the check was posted and it was safe to make transactions. I went forth with the requests of the employer under the impression from my bank that no backlash would happen. 

The first wire transfer was returned due to an error on my part and then proceeded to make another wire transfer that was approved. I called my bank before and after both wire transfers to ensure the check was still in the clear, the wire transfers were posted, and there were no concerns that would be detrimental to my credit or financial situation. I was once again reassured that everything was safe. 

Two days after the wire transfers were completed I checked my bank account only to see that my account was severely negative. Upon calling my bank to inquire about the status I was informed the check was returned despite what I was previously told. 
I filed a claim through my bank for fraudulent activity and contacted the employer who apologized and promised to wire the funds back into my account. 
The fraud department denied the claim expressing that it was not fraud due to my authorizing the activity. I received a receipt for the wire transfer from the employer and verified with his bank that it was completed, however, the wire transfer was never received and my bank account has been locked due to the negative funds. 

Because the amount is high, the bank has locked all of my bank cards, prevented access to the site to view statements and other products being used such as car insurance and rental/property insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive had my capital one XXXX card for over 7 years, started with a {$300.00} credit line and since the date i opened the account i still have not received a credit line increase. Given i did have high balances i always paid my minimum balance on time since the account has been open. I believe this is not fair because the company advertises an automatic credit line increase every 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
This bank is the worst bank ever. They updated their online banking system 2 and a half weeks ago and it still does not work. Their support team is one of the worst! I called and was put on hold for over an hour each time that I called and each time, they were unable to help me. They suggested deleting the app and installing it again and other terrible and time wasting " suggestion '' but they were unable to help me. I didn't know how much money I had in my account nor could I pay for my credit card bill using the online app and I had to go to the branch each time. They have been unreliable for almost 3 weeks. Was on the phone with XXXX XXXX and he told me that he was the highest ranking member in his office but he was unable to do anything to help me. They literally passed me around between different people working there and no one could help me. I am taking my business else where since TD can not manage to run their bank. This is America 's most UNreliable bank. Honestly, I've never felt so helpless when it comes to accessing my own account or money. I am deeply disappointed and there is nothing TD can do to fix this. I honestly think someone should be fired for this stupidity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My husband is the primary on our JC Penney account but never uses it. We have had this account for 10 years in perfect standing. I use the credit for clothing for my school age son mostly. In XX/XX/XXXX or XX/XX/XXXX I discovered our credit limit had been lowered from {$400.00} to {$200.00} without notice because my credit monitoring agency informed me that this action adversely affected my fico score. Thus, in XX/XX/XXXX I paid off the balance & have not used the card since. Now I find out the account has been closed. Again, without warning or provocation. I called to find out why & was unsatisfied with the customer service. If my many years of faithful business is not valued and a paltry {$200.00} line of credit poses a risk to XXXX XXXX, I will NEVER shop at JC Penney again!

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 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018 I found that my Capital Once credit card account was canceled by the issuer. This happens to be one of my oldest accounts so this was detrimental to my credit score. On XX/XX/XXXX at about XXXX XXXX, I called Capital One 's support number and asked for the account to be reinstated and was informed that they could not do so, because the card had not been used for 36 months. I received no notification of the cancellation and wold like the account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. Navient gives my information to XXXX XXXX and they call every hour at least. I already told them it will get paid and to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I just received notice that the credit card bank for XXXX XXXX XXXX XXXX is cancelling my card. 

There reason is that the new owners of XXXX XXXX are looking to lower the number of cards issued. ( Or that is what I was told by XXXX XXXX ) Will this have an adverse affect on my credit score. 
I had nothing to do with this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Credits were issued to my Capital one Account ending in XXXX today, XX/XX/XXXX. These credits are provisional, related to dispute case ID XXXX. The credits total an amount of XXXX which includes adjusted interest. These credits are for two purchases made on XXXX, shipped in XX/XX/XXXX which never arrived and is past 60 day time frame to file claim with USPS. Merchant refuses to do anything. Due to status of my account, which is closed or pending closure, I am unable to make any type of withdrawal. The dept handling account works off a voicemail and does not return calls, I know this from past experience. I understand the credits are provisional, the dispute is still on going, there are two additional merchants under this claim, XXXX and XXXX ... .These purchases are fraud, someone hacked into my XXXX account or obtained password, made a purchase on it. The item from XXXX is something I have no information about, I was referred to bank by both merchants to file claim for fraud. XXXX will not cooperate, their tracking info shows items delivered/left in a parcel locker which I do not have one at my address. Once this claim is finalized, I need funds sent to my XXXX account which was or is linked up as an external account or a check mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent several certified letters to Transunion ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Transunion still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor. On XX/XX/2018, I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XX/XX/XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from 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 2018-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XXXX Navient advised me about the Forgiveness Loan Program by phone when I called in inquiring about my student loan. I was sent the ECF form for my employer to confirm I was a XXXX XXXX employee. I completed & faxed back to the number indicated. From that point after speaking with Navient I was told once I make 5 years with my employer I will be placed on the Forgiveness Program for 10 years but until then I will be placed on the Forgiveness Program for 25 years. I called XX/XX/XXXX to inquiry about my the increase in payment on my account but then found out I'm on the 25 year plan indefinitely. Navient provided me with the number to XXXX XXXX to inquire why I'm on the 25 year forgiveness instead of the 10 year. XXXX XXXX advised my federal loans did not qualify as they needed to be converted to direct & I would have to start over making payments once they were re-consolidated. They stated I should have received a denial letter back in XX/XX/XXXX when I faxed the ECF. I never received any denial letter nor was I aware I had to deal with another servicing company outside of Navient. I was never made aware I could have been on the forgiveness plan back in XX/XX/XXXX which means I will have completed my payment plan once consolidated. I was not made aware of the necessary things in order to pay of my student loans until XX/XX/XXXX nearly 11 years after the forgiveness program. I should not be responsible for having to start my loan payments over at 0 after paying for over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: LA

Complaint narrative:
I checked my credit report on XX/XX/XXXX only to discover that as early as XX/XX/XXXX, a creditor named XXXX XXXX XXXX has been reporting that I owe them an amount in excess of 100 dollars. I have never conducted business with such a company. Additionally, I was NEVER provided a written notice of this " debt '' by the company explaining the amount, when they generated a file on " me '' in their office ( if any ) and any information regarding an original creditor. I received NOTHING. My consumer rights have been violated as it is required under FDCPA to disclose these things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
When I was XXXX XXXX in XXXX, I was injured and had to be medi- vac to XXXX . That day, my ex-wife and her son took out student loans without my knowledge due to the fact, I am assuming that they were not sure of my survival. This was all done via electronic signatures and having my SS # and vital info, they were successful in doing this. Once it is set up, all they had to do was keep resubmitting the same info for new loans. 
I was made aware of these loans when trying to purchase a home 2 years ago. I made out a police report, called Navient, and called all credit bureau reporting agencies. These were removed from my Credit Report immediately and Navient advised they would stop all collections and make a report of who did this and go after them. In the time that conversation took place and today, they have sold these loans to 4 different debt recovery companies. Every time, I talk to them, they advise they will send back to Navient and refuse to collect. A few months later, they sell it again. This continues to be an issue and Navient refuses to stop selling these loans or provided documentation of my signature. Not sure what else to do, we received new paperwork from a new recovery company today from XXXX XXXX XXXX. 
There are a total of 9 loans in the amount totaling- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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 sent several certified letters to Equifax XXXX XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Equifax still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor. On XX/XX/2018, I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.

Company response to consumer: Closed with explanation