vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank, NA attempts to collect payments on a loan it does not own and knowing it does not have the rights to transfer any loans because only the owner or beneficiary is allowed to under the law. Chase broke the law by falsifying assignments by pretending to be the successor in interest to original lender who went bankrupt.The falsified assignment was also signed by a known ROBO signer claimed to be an officer of CHASE The undersigned complainant has asked multiple times for " Chase '' to identify the owner of the note and Deed of Trust which this complainant had entrusted to the original Lender in XX/XX/XXXX. Chase continued to stonewall avoiding to disclose said information to homeowner. Homeowner intended to payoff the alleged debt as soon as Chase can identify and verify the current Holder in Due Course of Home owner 's loan. Instead, Homeowner is threatened with foreclosure. On XX/XX/XXXX Home Owner sent letter to Chase asked again for QWR regarding current owner and beneficiary of the " Loan Homeowner signed, Chase not only ignored receipt of said request, did not bother to response within the 30 day given and transferred the servicing to XXXX. with an effective date of XX/XX/XXXX. Homeowner followed up on XX/XX/XXXX with another letter to CHASE asking for the awaited response under TILA/payoff, CHASE continued to stonewall. Home Owner eventually received a letter from XXXX on Friday XX/XX/XXXX confirming the transfer of servicing. WHILE Chase had previously scheduled Foreclosure Auction for XX/XX/XXXX. Under CA BILL OF RIGHTS A Servicer is required to disclose the owner of the loan prior to any such action. Apparently CHASE does not think it apply to them. I have copies of those letters should you need them, I will have to black out some information before I send to you. CHASE should not get off the hook for their obvious wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Bank auto charged XXXX dollars from my debit card to my credit card even without sufficient funds causing an overdraft fee. I didnt notice this till about a month or two later causing XXXX  balance of XXXX dollars

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 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
JCPenney master card credit card has been the stress of me first they have fought with me over saying they were not recieving my payments & this was 5-8or more times its screwed up my payment history, got lots of certified mail, calls at all hours it has been a nightmare. Ive never disliked a credit card some much & they have not even worked with me only fought with me & treating me like I was lying & got threats they I would be sued more than once. This has truly stressed me out & made it hard to sleep, charges were made on this card that werent even from me & they kept not helping so I didnt know what I could do but I just wan na fix this mess once in for all. My phone number is 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 2018-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Personal information incorrect
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX balance {$480.00} acct:XXXX XXXX XXXX XXXX acct:XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX balance {$300.00} i have been trying to fight this for years i have never applied for any kind of payday loan they recently started contacting me i was asked several times to varify the last 4 of my social and my birthday in which i confirmed and was told my info i was given them didnt match they record and was told they could not assist me anymore i have contacted them to get validation on the account and they refuse to send me the info ... if they cant tell me any info i would like this removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I've been with Navy Federal for about 8 months I think. I have paid My car loan on time every time every month without any issues. When I got this contract they sent me some envelopes to send the title back in if the previous company sent it to me. I returned the title as advised to navy federal, they confirmed they received it. I than few weeks later received a notice of Power of attorney. I called in as I am going to the mail box spoke with the navy federal auto department and specifically asked her if I needed to get a Notarized for this. She flat out told me no. Please review the call. I said are you sure? Me working in an XXXX office it just didn't seem correct so I asked her several times after this. She said no the power of attorney form does not need to be notarized. I told her okay I am putting in the mail. She stated she would note the account. Know XX/XX/XXXX I go online to pay my bill and its XXXX I got no call from navy federal- no email- no voicemail- no communication what so ever. I only log in to my account to pay my cc or my loan. I look up at the messages and they sent me a message after it was already raised from XXXX to XXXX when there employee instructed me the wrong information. I called them cause all of a sudden know they have sent me a text message at the time of a 2 day past account. Communication of a 2 day past account. I called the lady advised it was not notarized etc. Now this is not fair I have done my part my contract stated XXXX she advised she will send the form back out- so that it can be re-done. I need someone to pull the call when I called in and inquired about this- how is this my fault when I specifically asked this exact issue. I've had no problems with this credit union-I would love for it to continue this way.. Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the morning of XXXX XX/XX/2018 I attempted to use my Chase Bank debit card to purchase {$500.00} in cryptocurrency from XXXX, a U.S. based crypto currency exchange that practices KYC and reports large transactions to the IRS. The purchase was rejected and a subsequent Email from XXXX stated " When we attempted to process this transaction it was canceled by your bank. '' There was over {$600.00} in that checking account, so later on the XX/XX/XXXX I went to my Chase branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and asked my Private Client Banker why I had been unable to use my funds to make the purchase. She made a phone call to find out and then explained that Chase Bank did not consider purchase of cryptocurrency to be a legitimate transaction and that rather than be involved in a scam involving their customer they would also refuse to honor an ACH payment for such purchases. I expressed my displeasure at not being allowed to legally use my funds as I saw fit, and she quoted Chase CEO XXXX XXXX on the evils of cryptocurrency and brought up an anecdote of a customer duped into financially supporting terrorism. Where does this interference in a customer 's legitimate access to their own deposited funds end? No purchases of liquor or guns or birth control or donations to the " wrong '' political party if the bank CEO so chooses? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I had accrued loans ( federal and private ) from my XXXX studies ( XX/XX/XXXX-XX/XX/XXXX ). I had then worked for a year in which these were both regularly paid. Starting in XX/XX/XXXX, I then started XXXX school and was no longer working. As I was again a studying and in student status, generally loan payments should be on hold for the duration of the studies, where payments don't need to be made. This had worked with the federal loans ( I was not obligated to pay during this time ), but my private loan lender did not allow this option, citing that I was not attending a certified university that qualified for this break of loan payments, so despite not earning any kind of income, I was still obligated to make the normal payments, although being granted a period of forbearance for 8 months. I have now since finished my XXXX   studies ( XX/XX/XXXX ), and am still unemployed, with almost no income. This again is fine with my federal loans, as I am on an income-based repayment plan, so I am still not burdened with making payments if I am not earning any income. This is again not ok with the private loan agency, I explained this to them, and they offer no options for borrowers who are currently unemployed, no discounted system, or smaller payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
On XX/XX/18 I piad a {$1500.00} debt over the phone to the law offices of Patenaude & Felix. 
My bank statement shows the same name and amount for the charge to my account On Wednesday XX/XX/18 someone attempted to sever a summons at my parents address in XXXX CA. My Father told him I do not live there and that I live in XXXX CA. The same person returned on Friday XX/XX/18. My father told him again I live in XXXX. The process serve left the papers on the porch and left. My father called to tell me about this. I went to get the papers and it is a Summons and that I am being sued by XXXX XXXX. The legal firm is the same Patenaude & Felix that I made my payment to on XX/XX/18. I have sent them 2 emails to the address on the paperwork. both were returned as bad email address. I sent them a email from the " contact us '' on their web site and have not had a reply. I have not called them because I want everything I writing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/18 I piad a {$1500.00} debt over the phone to the law offices of XXXX XXXX XXXX. 
My bank statement shows the same name and amount for the charge to my account On Wednesday XX/XX/18 someone attempted to sever a summons at my parents address in XXXX CA. My Father told him I do not live there and that I live in XXXX CA. The same person returned on Friday XX/XX/18. My father told him again I live in XXXX. The process serve left the papers on the porch and left. My father called to tell me about this. I went to get the papers and it is a Summons and that I am being sued by TD Bank. The legal firm is the same XXXX XXXX XXXX that I made my payment to on XX/XX/18. I have sent them 2 emails to the address on the paperwork. both were returned as bad email address. I sent them a email from the " contact us '' on their web site and have not had a reply. I have not called them because I want everything I writing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is committing fraudulent practices. This collection Agency has reported to the Credit Bureaus that I owe 2 times more than what was agreed upon. I have disputed this debt with National Credit Systems 2 times, back in XX/XX/XXXX and again in XX/XX/XXXX. Their responses has been a copy of a lease and an itemization list showing fraudulent charges from the apartment complex I was previous with. Not only I have solid proof that the fraudulent charges were added after I have left the apartment complex. But I can prove that the apartment complex gave them the information that lead up to these charges. In addition : 1 ) National Credit Systems are in direct violation of 15 U.S.C. Section 1692 ( g ) ; Sections 808 part 1 and 809 ( b ) of the FDCPA. 

2 ) I do not have a contractual agreement with National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Apelles, LLC
State: NM

Complaint narrative:
The company, self identified as " XXXX XXXX '', has called and left messages in my voicemail for the following dates ( including several more ) : XX/XX/2018 at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours. The company continuously calls requesting to fix a debt owed to them by an unknown person. I have not ever conducted business with this company and they fail to acknowledge that. They may be looking to contact someone who gave them a wrong phone number. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: FL

Complaint narrative:
Ive noticed a few changes to my credit report where some inaccurate erroneous information was removed and I totally appreciate it but I listed these accounts along with the last dispute and I dont know why they werent removed. The information that I am providing to use is factual information and it isnt an account Ive ever opened or had to my knowledge. This is an internal dispute and I have record on the dispute, phone calls, certified letters and more for court when the time arrives. I am XXXX that I have to continue going through a dispute process because your company is placing errors and inaccurate information on my credit for no apparent reasons and it isnt fair to me at all. Please look in the attachment area to see the letter I attached. Please read carefully and this is my final warning letter to remove the erroneous information off my credit report within 48 hours and no longer.

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 2018-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I had disabled the overdraft facilities so that I would not get OD charges. But I got it again. This time they said that the OD that is disabled is only valid to card transaction and not account transfers ( like XXXX ). Also, within 15 days, I got charged {$90.00} for Sustained Od along with {$35.00} OD charge. 

After calling them, they decreased {$35.00} OD charge and {$30.00} on charges but not all. The fact that they are agreeing to refund about 50 % doesn't mean that they are at mistake. 

XX/XX/XXXX Fee Rebate Dda Credit {$30.00} - {$90.00} XX/XX/XXXX Fee Rebate Dda Credit {$35.00} - {$120.00} XX/XX/XXXX POS Credit Dda Credit {$49.00} - {$150.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$170.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$140.00} XX/XX/XXXX Fee Overdraft ( 1 At {$35.00} ) |eNotice - {$35.00} - {$110.00} XX/XX/XXXX Preauthorized Debit XXXX Inst Xfer - {$95.00} - {$80.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, SD pulled a credit inquiry on me that I did not authorize.

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 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I paid my mortgage XX/XX/XXXX Friday XXXX & XX/XX/XXXX Friday XXXX via XXXX XXXX Rushmore Loan Mgmt states they did not receive the payments until the XX/XX/XXXX of the month I called Rushmore and they said I would have to send a letter about the payments via Fax only. XXXX XXXX is not a bank and the payment are transmitted immediately up until midnight the same day. 
The customer service dept is off shore - meaning possibly the XXXX XXXX The recent letter said I could be in default for less than {$200.00} is appalling when I also called Customer Service during the XXXX County wildfires in XX/XX/XXXX and the so called Customer Service said they could not assist with my hold of making a payment until XX/XX/XXXX which would then create a late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX, SD pulled a credit inquiry on me that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I received the attached correspondence dated XX/XX/2018, from XXXX, XXXX on XX/XX/2018 ( see attachment ) In the correspondence it states that I did not make my mortgage payments that were due on XX/XX/2018 and XX/XX/2018. However, sent my payments via certified mail ( see attachments ). My XXXX payment was made via Money Orders and my XXXX mortgage payment was made via certified check also known as a bank check ( see attachements ). 

XXXX, XXXX, in its correspondence threatens to foreclose on my house even though I made the payments on time and via money orders and a bank check. I am askingfor an investigation into the proceedures and processes of XXXX, XXXX and that any foreclosure proceedings by XXXX, XXXX be stopped. 

Sincerely, 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 2018-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bepensa Capital, Inc.
State: GA

Complaint narrative:
AFS ACCEPTANCE is reporting on my credit trying to collect {$11000.00} plus XXXX ( XXXX XXXX XXXX ) also on my credit trying to collect {$6700.00} For the same account ... the vehicle was purchase from XXXX XXXX XXXX but was sold to AFS ACCEPTANCE so why both trying to collect??? I was never giving no notice of the auction or sale, was have sent any information were I could have attended the sale or auction please validate this account

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 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: OK

Complaint narrative:
When I was XXXX, I only signed up for a tour of XXXX campus. And I wanted to go through the pilot program. When I showed up, I was informed that I would never be able to afford the pilot program but I " should sign up for the mechanics program since it will make you lots of money one day and then you can afford the pilot program ''. I was coerced into actually signing up for tuition same day. Some lady on a computer looked up all the loans for me and just had me verbally agree. I should have had more time to discuss this huge financial decision and some adult should have explained what my obligations would have been. I feel like I was taken advantage of much like a XXXX car salesman preys on the unexpected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins Asset Group, LLC
State: GA

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) THIS company is reporting on my credit which XXXX XXXX is reporting too both companies trying to collect for the same account & different amounts ... the vehicle was purchase from XXXX XXXX XXXX but was sold to XXXX XXXX  both companies trying to collect two different amounts for the same account I was never sent any documents where I could have attended the auction or sale I was never giving the chance to buy the vehicle back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: TX

Complaint narrative:
XX/XX/18 Chase Called company to undo the over draft fees, stated they couldn't and wouldnt. 
I went under {$5.00} due to charges not being processed same day or same week. 
I was charged XXXX for over draft which put me at XXXX and charge again for over draft when I got drafted those XXXX, happened 3 times.

Company response to consumer: Closed with explanation