vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
In  XXXX   2012, I w ent to   XXXX   XXXX    XXXX  on  XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX  for   XXXX   XXXX   appointments. I agreed to a total of  XXXX  appointments for a total of {$3800.00}. After the first appointment, I found that the service was unacceptable and never took advantage of the remainder services. I was advised that the service would be removed or it could be transferred to other services. As I did n't transfer the services, I assumed it would be removed. Now I am applying for a mortgage only to find that now only was n't it removed but it was referred to collections without having any notification. I want the amount refunded, the account removed from collections and the negative reporting removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Credit & Finance, Inc.
State: MA

Complaint narrative:
I have never received any notice from any court with regard to any account. I requested from plaintiff proof of my signature on their application, but they have not provided me with any information, instead they are asking me for my personal information, i.e social security number, etc.  Atlantic Credit and Finance , Inc.  alleges that court took judgement on their behalf on  X/XX/2010   , for which I was never requested to attend.

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 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My  XXXX / XXXX / 2017  statement with  Ocwen Loan Servicing contained a section called important News. It stated tha t my " payment amount has changed to {$1500.00} effective  XXXX / XXXX / 2017  ''. I made the payment of {$1500.00} on  XXXX / XXXX / 2017 .  Ocwen  is now indicating that there is a different change that occurred and. Thew new change indicates ab additional  XXXX  is owed and I have been referred to their escalation department. I have made several attempts to contact Ocwen and notify them of their error.

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 2017-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: UT

Complaint narrative:
Branch Bank and Trust is reporting 11 late  payments fr om  XXXX -  XXXX   ... We  were in the process of a loan modification and it is now complete. THe loan was modified under the HAMP program through the government which ALL late payments affiliated with the loan mod are to be deleted. They have yet to delete them and they need to 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 2017-05-30 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: ID

Complaint narrative:
XXXX   XXXX   , 2017,   I  contacted the   XXXX   XXXX   XXXX  . It was explained to me that my employer met the criteria for me to have my student loans forgiven after 10 years of on time payments. I scheduled to have the  XXXX  time  XXXX  $ fee broken up into different installments, and anticipated  XXXX  $ a month payments for 10 years, based upon my income. Unbeknownst to me o n  XX/XX/XXXX  I  was alerted via e-mail that I had to fill out an 'Employment Verification Form '. I had my employer fill it out and fax it TWICE, only to have Fedloan servicing or "   XXXX   XXXX   XXXX   '' as they also go by, tell me they should scan it and send it in an email. It was around this time that my lender,  XXXX  contacted me and let me know that in   XX/XX/XXXX  I   w ould have a payment come due with them. This was very peculiar and I started to think I had fallen victim to a scam. Why would I pay both them and  XXXX ? I asked. With no good answer I confronted the billing department and I told them that I did not think this was legitimate and they said if I did n't pay like I said, that they would report negative on my credit report. I will be reporting FedLoan servicing to the Better Business Bureau as well. Also I would like to note that  XXXX  had this company 's, ( Fedloan exchange ), California address on my student loan account along with my Idaho address. I never signed the 'Certification of Identity & Authentication to Disclose Personal Information '' Form, so Navient should not have any of FedLoan 's contact information. Also I received a letter that my employer was not eligible for the 10 year forgiveness program, which was the entire reason that I signed up. I managed to only pay  XXXX  $ before I realized the scam, and that has been recovered due to filing a claim with  my Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank issued me Chase Slate and Chase Sapphire Visa credit card accounts a year ago. At the same time I had Best Buy Visa credit card by XXXX XXXX. XXXX XXXX increased my limit over the time, but Chase Bank denies my right for credit line increase over time and by doing so denying credit tp customers. Having hard position not flexible. I was once told they randomly pick 10 percent of account for review. It is every single one of us 's rights for account review and credit increase over time. I paid back in good faith because I believed Chase lend in good faith. Never missed a payment, no late payment, no delinquency, ... They deny me credit by not increasing my credit over time. That 's crucial because It is essential to maintain 30 % or close to 30 % balance to credit limit ratio for best credit score practices ... I had not submitted credit limit increase application for hard pool for my Best Buy Visa credit card by XXXX XXXX for credit limit increase yet they did increase my limit over time. Chase insists and says The only way for them is we ask for and submit hard pool inquiry application to put inquiry in our credit report which credit inquiry removal is costly $ 30+ per inquiry removal. They lie because they are account issuer, at any moment they have ability to look into my credit report and see what is inside. I do n't buy their XXXX. I reserve the right to print this complain submitted and go to court against Chase whom their Executives do not get back to customers upon phone call complain and we have to fax or write a letter to them as the only way for them to hear our voice and to get back to us. They deny credit by refusing to increase credit limit over time to customers. I may very well stop paying back and escalate issue for court complain or arbitration or settlement if they do not soften their position. I am confused and I am thinking about my rights and options. The rate they have approved me for credit cards are rates they approve bad credit people not good credit people. I had XXXX score when I applied. Even they approved for auto loan at 8.9 % and XXXX dealership approved me 1.9 % They get outsmarted by others all the time. Chase Bank is abusing us. Please help ... Executives should be reachable by customers request from customer service or managers and get back. It is not customer 's job to earn their business. Its the bank 's job to earn customer 's business.. They have to be brought to justice for doing this to respectful US citizens whom deserve to be treated with dignity and respect not denying credit and being ignorant and negligent against them ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
On  XXXX   XXXX ,  2017 I init iated the lifting of my credit report freeze on all   XXXX   agencies . ( See att ached credit card transaction summary ).  XXXX  charged me {$5.00} on  XXXX . Experian charged me {$5.00} on  XXXX .     But Equifax charged me {$5.00} five separate times on  X/XX/17    for lifting the freeze one time.     A simple error which Equifax refused to address over the phone and insisted that I mail a copy of my credit card bill to their office in  XXXX . In other words, I have to waste my time, calling, copying, mailing, etc. in order to get Equifax to correct an obvious error for which they offered no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Beginning on   X/X/17  a  nd two other sub sequent times, Bank of America prepared loan documents requesting my husband sign documents when he was not on the mortgage application. When I brought the error to Bank of America 's attention, I was told that this was their practice and that my husband needed to sign on the note. When I continued to question this practice, I was told that this was correct and I needed to sign loan documents with my husband on the note even though he was not a borrower. After pushing back, I was told they would correct the documents ; however, af ter 2 other at tempts to sign loan documents, Bank of America failed to properly correct the loan documents. Afte r 3 faile d attempts to sign loan documents, with the incorrect borrowers being named, I decided to cancel the transaction. The stress in dealing with this caused me to miss 3 days from work. In speaking with a supervisor 's supervisor,  XXXX   XXXX , on   XX/XX/XXXX  I  was told that they would refund my appraisal fee for the inconvenience caused. T  oday,  XX/XX/XXXX , I was told they will not.
I wonder how many other borr  owers Bank of America has misguided into signing incorrect loan documents.

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 2017-05-30 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Unauthorized purchase of {$300.00} made via  XXXX  on   X/XX/17  ;  fraud report was immediately called to Chase Bank who reversed the charge ; after their alleged investigation, they recharged the account o n  X/XX/17  ;   n either Chase Bank nor  XXXX  are willing to provide information to verify said purchase ; Chase Bank claims that there is no further investigation pending on their part & that I must sue  XXXX  to recover my funds ;  XXXX  reports to me that this claim/investigation has not yet been finalized on their end and that they never told  Chase  that this purchase was a valid purchase made by me ;  XXXX  went so far as to give m e a city & state  that the goods were delivered to but would not provide the exact address ; both companies are pointing fingers at the other for at fault and neither has been helpful in resolving this fraudulent use of my debit card ; I have filed a police report for identity theft and have filed a complaint with th e AZ Dept of Financial Institutions, and the AZ Attorney General 's office

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: NJ

Complaint narrative:
I received a letter fro m Firstsource Advantage LLC dat ed  XXXX    XXXX ,2017  stating that an account (  XXXX   XXXX  Credit Card ) has been placed with their organization for collections with a balance of {$1200.00}. On  XXXX   XXXX ,  2017  I sen t Firstsource Advantage LLC a letter that t hey received on  XXXX   XXXX ,  2017  to provide me with proof that this debt belongs to me. As of  XXXX   XXXX ,    2017  I still have not received a response fro m Firstsource Advantage LLC. Theref ore, the collection agency failed to validate this debt in the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The loan in question was not properly coveyed to the rightful lender because they went out of business Even though I brought this information to the  citii  mortgage and th foreclosure attention , .I 'm  reaching out because I 've tried obtain a loan modification fro m citi mortgage  and they have place me in foreclosure.

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 2017-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On    XXXX   XXXX   2017..   XXXX  from the homeownership center and I, called Ocwen to check the status of the modification that we 've been working with them sinc e   XX/XX/XXXX .   At thi s point we were told that the modification was under review, and that no other paper work was required. Then upon my arrival home from my meeting with  XXXX , I received a notice from Ocwen that my documents were expired and needed to be resubmitted because they are more than 90 days old.. Ok.. We submitted these documents to Ocwen less than a month ago.. And this is not the first time that my packets have expired that was submitted them.. This has cause incredible stress on me and my family.. When this started we were only two months behind and now we are more than 6 months behind. I was never offfered an option for a repayment. I was told that I would have to apply for a mortgage modification. This has been an utter nightmare dealing with  Ocwen  ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
My mortgage was sold to Nationstar Mortgage  Servicing  2 months ago. Today I received a phone call from  XXXX . I was told it was Nationstar Mortgage and I was on a recorded lone. I was told it was a mortgage check up and I needed to verify my mortgage information. I asked " Is this a sales call '' the answer was " NO ''. the person told me to hold while he got a mortgage person on the line. When he returned to the call I asked why the call was coming from a  XXXX   XXXX  number and where he was located. He said  XXXX , Tx and he thought it was because it was an internet phone. He transferred me to  XXXX   XXXX   NMLS  ID  XXXX  who immediately went into sales mode. I stopped him asking him if it was a sales call or a mortgage check up verifying information. he said it was sales. I lectured him for a few minutes about them as my servicer can not " spoof '' a phone number and they can not deceive / lye about the purpose of their call. He defended it briefly then he said he would place me on a do not call do not send US mail list. I asked for his supervisor after he made excuses for the "  XXXX  '' phone number. He transferred me to  XXXX   XXXX  NMLS ID  XXXX .  XXXX  also defended the "  XXXX  '' area code number saying " if the guy is in  XXXX  he can not use his phone number ''. I  XXXX  the phone number it does not come up as ANYTHING remotely close to Nationstar.  XXXX  went on o say they had recently acquired a mult i billion d ollar portfolio of mortgages. I said then chances are Nationstar is breaking the law hundreds of times each day with they " verify mortgage info calls ''. I told him that several laws were being broken and I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USI Solutions Inc.
State: NY

Complaint narrative:
USI Solutions called me ( a woman named   XXXX   XXXX   ) and tried to collect a Zombie debt from 2008 that was already settled with the original debtor.
I advised them of these and they threated to mark it as refusal to pay and would have a negative impact against me.
They provided False statements and representation ( trying to collect wrong amount, impersonated lawyer or government ) Attempts to collect debt not owe, No written notification was ever received Took or threatened to take negative or legal action.

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 2017-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one sent me a letter saying they were closing my account.dated XX/XX/XXXX. I mailed them a letter asking them to refund my credit balance and asked for details as to how I could access my {$11000.00} rewards towards the purchase of XXXX car. They did close my account & refund my credit balance on XX/XX/XXXX. <P/>I was getting ready to purchase a new XXXX in XX/XX/XXXX and on approximately XX/XX/XXXX I called the card company about redeeming my rewards. They transferred me to a reward redemption center. The rewards redemption center said my rewards were only valid for 90 days after my account was closed. I told them my account was closed less than 60 days ago. They said that Capital One had listed the closure of my account as XX/XX/XXXX. I tried to explain to them my account was not closed until XX/XX/XXXX. They said Capital One had listed the closure date as XX/XX/XXXX and I had to get the closure date corrected to have access to the {$11000.00} in rewards towards the purchase of a new car. I emailed and called Capital One. They continued to state my account was closed on XX/XX/XXXX. I asked them why if my account was closed on XX/XX/XXXX, why was n't my credit balance return to me on that date. They said it is policy/systemic that even if an account is closed they wait 60 to 90 days to refund any credit balance. I asked them if my account was closed onXX/XX/XXXX where was the {$3900.00} credit balance. I was told it was in my account. I asked them to square that statement against the one that my account was closed on XX/XX/XXXX. They had no explantion how a closed account could have had {$3900.00} balance other than the 60-90 days refund policy. They said the only reason my credut balance was returned so " quickly '' was becuase I had sent them a letter requesting the refund of the credit balance. <P/>My Account number was:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX XXXX XXXX applied for a student loan with Sallie Mae to attend XXXX XXXX XXXX XXXX XXXX in XXXX, NJ. She started school, continued her education at the XXXX location, and then began her XXXX houXXXX XXXX program in XXXX, NY, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the same time paying her monthly payment of {$25.00} per month to Sallie Mae. In XX/XX/XXXX, she consolidated her loan with XXXX XXXX, the amount of the loan is for {$20000.00} for a 15 year loan. She began her XXXX XXXX payments XXXX XXXX. She completed her education and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX notified Sallie Mae of their closing XXXX XXXX, XXXX. XXXX was not notified. Sallie Mae disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, New York location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both Sallie Mae and NJ Department of Education that the XXXX school was not a Title IV school. The XXXX XXXX loan was consolidated in XXXX XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX  XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX license. Both XXXX of XXXX XXXX XXXX and Sallie Mae proceeded with a loan that was fraudulent. Sallie Mae did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career. What would be a fair resolution to this issue? The only resolution would be for the loan to be forgiven and XXXX receive back all her prior payments to a school which was paid by Sallie Mae but that she did not attend.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CO

Complaint narrative:
This is the second time this month!!
On   XXXX   XXXX   I deposited {$620.00} to my checking account, this would bring my balance in the account to {$930.00}. However Key Bank only gives you {$100.00}. of the deposit on the day it is deposited.
<P/>
On   XXXX   XXXX   I wrote a check for {$300.00}. and deposited it into my business account at another bank and I had a direct withdraw from my account for {$140.00}. Now even though I had a pending deposit they charged me an overdraft fee AGAIN!! This is wrong!! They can process my check from another bank the same day, but they ca n't process my deposit the same day.
This is just wrong!! I also believe it to be illegal if I have a pending deposit that would more than cover the overdraft amount.

Company response to consumer: Closed with explanation