vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019 Around XXXX I went to the chase Atm to withdraw XXXX from the Atm. 
The ATM did not dispence any cash, however upon checking with my financial institution XXXX was withdrawn from my account from the chase Atm. 

I contacted chase about the Atm malfunction the representative told me to chase doesn't no handled claims for customers that do not bank with chase. 

I then call a third time to file a reg XXXX claim and the representative advised that there was nothing chase can do. 

I would like to be refunded. 

Location ChaseXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX My Bank : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: CA

Complaint narrative:
XXXX XXXX I contacted them they are unable verify the debt. They requested that I notify Experian so the item can be removed.

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 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
The original creditor, XXXX XXXX of XXXX, removed the account from my credit reports because the account does not belong to me ; I have never resided at the address attached to bill that this company keeps sending as their form of verification ; failing to comply with Federal Law by being unable and/or unwilling to provide a valid instrument of indebtedness, a consumer contract with my signature on it. They also report to the bureaus using an account number that does not match with the one they use on my correspondences ; just one of their many violations. ( See attached photos )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. 
IT WAS CHARGED OFF AND SENT TO XXXX AND XXXX XXXX XXXX   AND XXXX HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE XXXX XXXX XXXX. 2009. 
THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH XXXX AND IT IS NOT BEING HONORED. 
XXXX KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. 
IT WAS CHARGED OFF AND SENT TO XXXX AND B OF A AND XXXX HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE B OF A. 2009. 
THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH XXXX AND IT IS NOT BEING HONORED. 
XXXX KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON

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 2019-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. IT WAS CHARGED OFF AND SENT TO DITECH AND XXXX XXXX XXXX AND DITECH HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE XXXX XXXX XXXX. 2009. THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH DITECH AND IT IS NOT BEING HONORED. DITECH KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: AZ

Complaint narrative:
I opened a Chase Card for my wife. The card account number is XXXX. I have never been late and made every payment on time. I have paid off the balance in full each month. I monitor this card from my account profile at Chase Bank. I have made every payment from this profile and every payment has been early. In the beginning of XX/XX/XXXX Chase restricted my profiles access to the account. This is particularly a problem right now since I am in the process of disputing a charge. I have attached that dispute summary to this file. Since Chase has Denied my access to this account I am required to mail this summary to chase or go into a branch and have the chase branch fax the dispute form in. If my personal profile had access to this account I could simply attach the response to a secure message in Chase.com. This has cost me at least two hours of time so far and is making it difficult for me to exercise my rights. My wife wants me to have access and is irritated with me because I am no longer able to take care of issues on this card without her. The Chase policy is making it more difficult for me to pay my bills and making it more likely I will be late on a payment, or fail to respond to dispute correspondence in a timely manner. Since I have never failed to pay the full statement balance on time and have not been charged any fees this action is clearly a means to make it more difficult for me to pay my bills and more likely to be charged fees. 
It is in the best interest of the monetary system for people to be able to easily pay their bills. Having Banks create arbitrary rules that make it more difficult for consumers to pay their bills and more likely the bank will make fees has a negative impact on our monetary system. Can you please require chase to give authorized spouses access accounts. This is a joint account that I share, have a card issued in my name and have had access until XX/XX/XXXX. The fact that I need to take the time to write this complaint is sad and I hope the person at Chase who made this rule loses their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. IT WAS CHARGED OFF AND SENT TO XXXX AND B OF A AND XXXX HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO XXXX AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE B OF A. 2009. THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH XXXX AND IT IS NOT BEING HONORED. XXXX KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON

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 2019-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have an Credit Card from Capital One. credit limit was {$3000.00}. XXXX I used the card up to {$3000.00} and was paying minimum payment due. the card was stopped by company and account closed. I was still paying minimum due. Suddenly I received the statement for {$6000.00} I called Capital One representative to enquire about the charges and requested that how some one can use closed account card and over the credit card limit and use it for {$3000.00}. I requested for an inquiry. Which they promised that they will start an inquiry. 
In between I called Capital One many times every time I got the answer that they are inquiring the case. Now I got a letter from collection agency that they represent Capital One and I should pay the amount otherwise they will take me to court. I called collection agency 's agent XXXX  XXXX on XX/XX/XXXX and explained to him everything but he threatens to take me to court. 

I need your help in solving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hi, My name is XXXX and I have a problem with my private student loan. I have a hard time to find a good time job with benefits. Please let me know what are my options? I need to find a full time job with benefits and I only get jobs with the employment agencies. I need to find an stable job and it has been hard for me. I am in the process of bankruptcy and I dont have money to pay for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: SC

Complaint narrative:
I AM SUBMITTING THIS DOCUMENTS ON MY OWN BEHALF. I WILL ASLO FAX THEM IN. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THIS. 
Send in information via Equifax Upload to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that Equifax allows to do a soft inquiry on my credit profile. I would like for Equifax to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. I do not wish to place a fraud alert on my account since Ive changed my account pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WA

Complaint narrative:
Loan 1 : XX/XX/XXXX Promissory Note Amount {$990.00} Loan 2 : XX/XX/XXXX Promissory Note Amount {$1500.00} Received {$500.00} Cancelled {$1000.00} Total amount received for both loans {$1400.00} ( {$990.00} + {$500.00} ) While I was in school at XXXX XXXX University monthly payments were taken out of my mother 's pay checks from our credit union, XXXX XXXX XXXX XXXX. On the tax statement provided by them on XX/XX/XXXX both loans show a balance of {$0.00} and state LOAN PAID IN FULL. I no longer owed on these two Federal Student Stafford Loans. 

Upon graduating from XXXX XXXX XXXX University in XXXX, I was sent a Stafford Repayment Obligation from XXXX XXXX XXXX dated XX/XX/XXXX. This document states that one of my student loans was in forbearance starting XX/XX/XXXX, ending on XX/XX/XXXX. The loan they are referring to was one of two loans I received while attending XXXX. That information is correct. However, listed on the first page of this repayment obligation are not only the two loans from XXXX  XXXX   XXXX University but also the two previously paid off loans from when I attended XXXX XXXX University. These loans also show the {$1000.00} that was cancelled from the second loan where I only received {$500.00}. This is incorrect. As I stated above, these two loans were paid in full. 
Please see attached documents as proof of the loans being fulfilled. 

XX/XX/XXXX - I received from my current employer a copy of a document that was sent to them titled UNITED STATES GOVERNMENT WAGE GARNISHMENT ORDER ( XXXX ). The total amount said that I owe the federal government is {$18000.00}. Prior to this notice I had received mail at my home threatening to garnish my wages. I responded to this by mail and also tried to object by phone. The help I have received to stop my wages from being garnished and also to address my first two loans which were paid in full is NONE. I have exhausted my options at this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: SC

Complaint narrative:
Requested an address update and hard inquiry removal. I do not wish to place a fraud alert on my account at this time, I have a freeze instead. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that Experian allows to do a soft inquiry on my credit profile. I would like for Experian to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. I've also send this information to you via Experian UPLOAD.

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 2019-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Why won't TransUnion stop playing semantics? The attached ID is more than enough ID and is what was previously provided to them. They don't actually read their letters and need to check their XXXX machines that read the letters before it gets them sued. SEE ATTACHED.

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 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union failed to remove XXXX XXXX XXXX XXXX of my credit report. This has caused me to decrease in points.

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 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Want to know why account still shows on my credit. Credit card was closed do to late payment but i payed off the total amount due and its still showing of on my credit score. They continue to send me bank statements when account is closed all ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX failed to remove XXXXXXXX XXXX and trust of my credit report. This has caused me to decrease in points.

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 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute twice within the last 8 months for an account I have paid. I give Equifax the time to check into the dispute. I will get a response sent to my personal email that the dispute ( XXXX ) has been completed. I click on the link to check the status of the dispute and their system always comes back with an " unable to utilize system or system down '' no matter what time of day or even the days that I try and check. This has been going on since receiving the notice XX/XX/2019. The notice states the I only have 30 days to check per the link. 
This is the second such type dispute and I really get nowhere. I get tired of seeing that the dispute has been completed but can not get no type of answer or see what actually has be investigated against my dispute. I just really am tired of such a larger Credit reporting bureau having such power over me as a consumer trying to utilize their " Sorry '' service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/19 on a Saturday afternoon. I went on a mission to buy a bed frame but when I realized I wasn't given what I wanted I returned it the same day. The lady who was there told me no she wouldn't do it because her card machine was broken but was so quick to take my money. So I called my bank to dispute it after I looked online on how to do it. I read over what my options were and put it as a dispute of fraud. My bank said that is my fault if I can't get a hold of the store owner. I have written a letter t the store because there are limited options to get a hold of the owner. I feel as no one is taking me seriously because I am an adult. Even my own bank won't help but instead sending letters back to back saying I must pay this now. When I WENT SPOKE TO SOMEONE FOR ADVICE JUST FOR NAVY FEDERAL TO SAY NO WE CAN'T DO ANYTHING FOR YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony Bank Made every monthly payment Paying off before one year when the promotion was 2 years Started in XX/XX/2018 Charged me 9 late payment charges totalling XXXX My account should be paid in full They keep you on hold And then hang up I cant believe this is legal Please advise how I should proceed Thank you very much

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 2019-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank 's fraud department is unable to prevent fraud for real-time XXXX transactions, they are lying to customers about XXXX Real-time payments and are not explaining how to use the XXXX network properly. XXXX advertises real-time money transfers but Ally Bank is not able to comply with the XXXX rules. Customers are being misled about the capabilities of XXXX money transfers and the customer service department lies about the XXXX network rules to try to stop customers from using XXXX. They claimed XXXX transactions are not real-time to the customer, which is against the XXXX network rules. XXXX rules say the Bank has a few minutes to process the transaction.

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 2019-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I successfully applied to refinance my spouse 's vehicle with Captial One. The company specified that I should continue to make payments with the previous lender as they process the pay off amount with them. The agreement also specified that the payoff amount may change depending on certain factors. We completed our last payment of {$300.00} with the previous company and Capital One provided them with a check for the pay off amount of {$7900.00} according to our statement records. 

Currently our balance with Capital One is {$8200.00}. It seems our last payment with the previous lender was NOT applied to the loan. 

I have contacted Capital One and the representative tried to tell me we should be receiving a refund from the previous lender. However, the previous lender says this is not the case.

Company response to consumer: Closed with explanation