vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
On    XXXX   XXXX   XXXX      a debt collector called me the phone # is  XXXX . They threatened to sue me, take me to jail bring the cops to my home, called many of my family members told them the same thing saying they are going to bring the police to their house to search for me. First off I went banckrupt case was finalized   XXXX   XXXX     in  XXXX   XXXX   XXXX   XXXX . Secondly I am in stage  XXXX   XXXX  I told them I was bankrupt and they said they do n't care their still going to sue me please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On  XXXX / XXXX /  XXXX  , I noticed my  Capital One ch ecking account was debited {$210.00}. I did not authorize this transaction. I began to research where this transaction  may h ave came from and I noticed it was credited to my mother 's checking account. I contacted my mother and she verbalized she did not make this transaction nor is she allowed to. I contacted  Capital One  customer service and spoken with a representative who instructed me to have my mother contact them because the transaction was made to her account due to her account being overdraft. The representative stated once my mother contacted them the transaction would be reversed. I, then, contacted my mother and contacted  Capital One  customer service with my mother on the other line. We provided a new representative with our information when she then provided us with different information from what the first representative stated. She stated  Capital One has the right to take from any account with my mo ther 's name attached in order to make her account positive. My mother and I verbalized to the representative that this have never happen during the longevity of our membership with  Capital One.  The representative became very irate and began to practically yell at us the right of  Capital One to take from  a account. The representative was quite rude to my mother when my mother pulled up her policy disclosure stating, " If we mistakenly credit your account for funds to which you are not the rightful owner, we  may  deduct funds from your account, even if this causes your account to be overdraft. We  may do so at any time and without prior notice to you. '' My mother is not the rightful owner of the funds  taken out of my account. The only reason her name was placed on my account because I was a minor when my father was ordered to pay for child support by the state of Louisiana. I am now  XXXX  years of age. I have had many minor discrepancies with  Capital One , yet this has become major.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
My name is  XXXX  live en    XXXX   XXXX    PR, Morgage complaint to  Banco Popular  PR and Loss Mitigation and the lawyer for  Banco Popular  PR send all documents in  XXXX  and    XXXX   XXXX     aprov  modification and the lawyer he said no send me documents for pay trial period because pay your fee {$18000.00} and montly pay more expensive fee, I explain my situation loss mitigation and retruture to {$1300.00} fee lawyer, the issue is in   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  De  XXXX  explain a complaint and solution two parts and the bank fair resolucion for complete trial period and modification aprov for FHA HUD, Bank  of Popular  PR Dual Tracking process in same time, aprov modification loss mitigation and Fourclures in  XXXX    XXXX   XXXX  , my phone  XXXX  in  XXXX  call me

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 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
this company PROMISED to take my name off there list ..they keep calling and harassing my pre-paid cellphone i just bought  XXXX  weeks ago for baseball for my son.   They are wasting my minutes by calling for someone that does n't exist.   They call many times a day and keep leaving message 's which runs down my minutes.   I have told them wrong number and they continue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I settled my debt wit h Navient th rough their collection agency named  XXXX   XXXX  with reference #  XXXX   XXXX  charged to my credit card.   i have been asking them for a letter form them showing my settelment with my account so i can send to credit reporting agency  XXXX  insted they report to agency on  XXXX   XXXX  that i still owe the full amount NOT true. my call was on Thursday  XXXX   XXXX .   i called   XXXX   and they told me  Navient sen t them falls report on  XXXX   XXXX  saying i still owe them full amount. as a result i am enable to clean my record and not able to continue my life back to normal . Navient is   NOT honest with me and damaging my credit. please help. i have all supporting documents showed i paid and settled my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid off a  XXXX  's credit card through a debt consolidation plan called  XXXX   XXXX  on  XXXX    XXXX  .  XXXX  brought a " ghost '' debt in  XXXX    XXXX  . I have sent them and  XXXX  documentation proving that this debt was paid to no avail. The account number are almost identical but  XXXX .  XXXX  's account has an extra zero.  XXXX  will not remove this debt from my credit report despite writing several letters including a statement from my debt consolidation plan.     Attached is a statement from my debt consolidation plan.     What else can I do?     I can be reached at  XXXX .      XXXX   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 2017-05-03 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I have a  Costco Anywhere Visa Card by Citi Visa a nd have been pursuing a resolution to a disputed transaction for over 4 months.     On  XXXX   XXXX ,  XXXX  we made a reservation at  XXXX   XXXX  for {$620.00}. Later that day we realized we did not need the reservation and cancelled. The resort issued a credit for that amount the same day.     On  XXXX   XXXX ,  XXXX  ( the day we had originally planned to stay  )   XXXX   XXXX  charged us {$620.00}.     On  XXXX   XXXX ,  XXXX  we disputed the charge with Citi and they issued a conditional credit for {$620.00}.     On  XXXX   XXXX ,  XXXX , Citi reversed the credit.     My wife and I have made over half a dozen communications to Citi regarding this issue and are no closer to a resolution. I have a dispute number of  XXXX . Per their request I have asked in writing ( via email to  XXXX  XXXX  XXXX  on  XXXX  ) to reopen the dispute.

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 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen claims " Our goal is to assist every customer if we are able to do so within the established guidelines by the investor ''. How can Ocwen assist every customer when it fails at the most basic level of using inaccurate and incomplete information which in turn results in inaccurate results which costs the customer. Ocwen is the worst company I have dealt with and should not be in the mortgage lending business.   Ocwen failed to accurately evaluate my request for mortgage assistance. On  XXXX   XXXX ,   XXXX  , Ocwen requested that I " provide the  XXXX  with borrower 's assets and expense details '', see email attached. On  XXXX   XXXX ,   XXXX  , I emailed Ocwen with  XXXX   XXXX  borrower 's assets and expense details, see email attached. Ocwen has failed to accurately account for my assets and expenses that I provided in evaluating my request for mortgage assistance. Instead, Ocwen denied my request for mortgage assistance based on an inaccurate monthly gross income of {$430.00}, see denial letter attached. Furthermore, Ocwen claims to have taken into consideration borrower 's and non borrower 's income in a previous request for mortgage assistance, but continues to refuse to account for the borrower 's and non borrower ' INCOME and EXPENSES for the current request for mortgage assistance.

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 2017-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
My daughter recently,   XX/XX/XXXX  , received an email that said she owed a payment of {$640.00}. She had been in school up until  XXXX    XXXX  , and thought that she had a 6 month grace period to begin payment.  Sallie Mae s aid that she had already used her 6 month period at an earlier date, when she left school, for medical reasons, and then returned. I was under the assumption that payments would not start until 6 months after  XXXX    XXXX  , when her semester ended. I had no idea that there was only 1 grace period allowed and would like to know if that is true, and if so would like to see where it states. This was also the first time that she had seen a email from  Sallie Mae  since  XXXX . She and I went back through all deleted emails and current inbox. We then went to the spam email and there were three other emails in there from  Sallie Mae . If they sent them, and obviously they did, the emails went to spam email. I have also, back in  XXXX , sent a letter to the attorney generals office of NY because of this company not putting payments on the proper loans, and over charging on fees, not allowing me to speak to a manager, rude customer service to young adults, and not helping in any way to avoid default ; saying they had no other options available to her for repayment. Because of this investigation SallieMae had to go back into her accounts and make several changes to my account so forgive me if I dont have the confidence in this company. This company also never, ever, even responded to the sample letter that my daughter sent them from your website. But they did want to know where I got it from though. I want to consolidate these loans, and get rid of  Sallie Mae , but now I think she will have to be up to date on payments with them, but since I thought there was a 6 month grace period, and cant possibly get that amount of money together within the next month ; now wont be able to consolidate either. I honestly still thought I was in a 6 month grace period, that was never ever clearly explained, and as I mentioned would like to see it. Other loans that she has with  XXXX   XXXX  do n't operate that way. And then not receiving the emails or any correspondence through the mail ; she never knew she was falling behind. Why would n't  Sallie Mae , after falling behind, after two months, send correspondence through the mail. It was made very clear in my letter to the Attorney  Generals Office  that I did not want anymore contact with them over the phone because of how rude and condescending they were on the phone. That i preferred email or " snailmail ''. Thoughts and suggestions greatly appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
my vehicle was repossessed b y Wells Fargo  dealer services and I made arrangements to redeem the vehicle on  XXXX   XXXX . On  XXXX   XXXX  I talked someone  from Wells Fargo  dealer Services and paid the redemption fee they told me the vehicle had already went to   XXXX   XXXX    (  the action ) at  XXXX  that morning but I could still get the car back within  4 ho urs of paying the fees. The person I spoke to at  XXXX   XXXX  said they did not get the car until Monday  XXXX   XXXX . I believe  Wells Fargo Dealer Services lied to me to collect  on the debt, those  3 e xtra days I had to wait means my redemption fee would have been higher.  Wells Fargo Dealer Services allowed the reco very company to joy ride my car those 3 days or since the recovery because the key fob that starts the car and other electric components of the car is not working properly. The recovery company have to either hot wire the vehicle or made a very bad attempt to reprogram another key to the car to get it started

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 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: SC

Complaint narrative:
On  XXXX   XXXX  of  XXXX   Afni pl aced a debt on my credit report. The amount owed was for {$56.00} from an account that was supposedly opened on  XXXX / XXXX / XXXX . That information is incorrect. The account was not open on that date and they are in fact trying to re-age an old debt. From my understanding,  Afni  is in violation of section  623 ( 5 ) A  of the FCRA. When I contacted the company to advise them of this, they completely ignored my concerns and attempt to send me an old bill as their response. I am filing a complaint because this matters needs to be handled and off my credit report.     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a re-finance with Chase Bank and was pre-approved starting  XXXX   XXXX   XXXX . The amount was $  XXXX  XXXX 3.50 %  XXXX  points 20 Year  Fixed Loan  re-finance. Any information they requested I gave them back within  48  hours. Its started as a phone call and all papers were sent to my house for the mortgage process. All requests for additional info were done via e-mail. On numerous occasions I felt as though they had very little knowledge on the New York process. I requested the loan be transferred to the New York office but I was told it was not needed because they were the main hub. They constantly requested the same information over and over without reading through my e-mails. I was leaving messages on ther e ( Chase  Arizona ) phone lines and not getting calls back as I requested. Instead they would send e-mails or would just not respond. They gave me  XXXX  extension letters going into  XXXX  on the re-finance because they were extremely overloaded. Then in the last 2 weeks of  XXXX ,  XXXX  they called me and sent e-mails stating that they would be closing on my re-finance by end of  XXXX ,  XXXX .   When the end of month came around and I did not hear from them I sent another e-mail and CC 'd their Attorney. On  XXXX   XXXX  their Attorney e-mailed me back and stated that  CHASE  had decided to DENY my re-finance AND HE WAS EVEN PUZZLED. I never received a phone call, e-mail or any form of mail stating I was DENIED.I left numerous messages and finally someone called me back and stated my Debit to Credit ratio was over their guide lines and they decided to decline me.If that was the case why was I not told in th e 1st  month rather than extending me 3 times for a total of 6 months. The average re-finance takes 45 days and here I am 6 months later getting declined.   I then requested what I needed to do to get this done. They gave me a list of items I needed to pay off prior to closing and then they could go ahead with the re-finance. I agreed to all the requesst and then I requested they send me all the new documents and I would sign.   Ah, but there was  ONE  BIG CATCH TO THIS. I would not receive the original rate of 3.50 % as originally stated. I would have to go to a new higher rate of 4.50 % increasing my payments drastically. I have re-financed loans for my  XXXX  homes on 3 different occasions and never did I receive this blatant rate switch game. I feel that when  CHASE  went to set up closing they realized how low the original rate was and they could never give that to me now without it costing them {$30000.00} to pay down the rate.   I reached out to other financial Institutions and they agreed that being declined after 6 months is totally uncalled for and that I had a real good argument in this case. If  CHASE would have declined me in the first month then I could have tried to get that rate from some other Mortgage Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: DE

Complaint narrative:
On Sunday,  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX  I called into  CHASE customer service regarding my CHASE    Sapphire Preferred   card ending in  XXXX . I asked the representative to close the card. When asked why, I advised her that I received a promotional e-mail offering a referral bonus of  XXXX  points  ( approximately {$100.00} ) . I wanted to offset my upcoming annual of {$95.00} fee, so about  6 we eks earlier I referred my brother ( I added his information onto the additional user portion of the complaint ), who took out the card ; however, I never received the bonus.     The rep advised that I could close out the card, but also advised that I could switch it from a CHASE Sapphire Preferred to just CHASE Sapphire, and not incur the annual fee. So after asking multiple times, and ensuring that I would not be charged the fee, I decided to go down this route of switching the card type. Well,  XXXX   XXXX  passed and I incurred the {$95.00} fee anyway.     Also, on a side note, I recently received a notice that CHASE was shutting down my  XXXX  rewards card ending in  XXXX . I asked the rep if she could condition my account to keep my card open, which she said that she could. I 'm not sure if this was done correctly and would like this investigated as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust Bank  charged my account for an over draft coverage when no over draft exists on the account. I filed a complaint here with CFPB and since then the bank has refunded the amount of the charge error, however now I noticed that during the last week of  XXXX    XXXX   they charged the savings account a {$7.00} maintenance fee and a fee {$3.00} for checking the balance at the banks  own drive  through ATM. I have a  " Maintenance Free ' ' savings account and have had for over 10 years. In fact part of the conditions for my  Maintenance Free accou nt is that I allow the bank to transfer {$5.00} dollars from my checking account to my savings account on or about the  XXXX  of each month. Which they did. I have never paid any maintenance fees on the account and want my money refunded.

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 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Re :  Interest Charge and Interest Purchase charge and continuing charging an Interest Purchase on  XXXX   XXXX  Th e Barclay Cr edit card seems to be a rip off ... I called them several times asking why are they charging the  XXXX  above charges every month. I can understand  XXXX  interest charge but they are charging an interest charge and an interest purchase charge every month when I have not made any purchases. On  XXXX   XXXX ,   XXXX  , I spoke with a representative that stated they would remove the charges immediately. As of today, those charges continues to be charged to my account. I have attached a statement showing the charges I am referencing page  XXXX  Thanks Very Concern Customer

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 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I pulled my credit report and notice a medical collection from   XXXX   XXXX   XXXX   XXXX   that does not belong to me. I attempted to contact and dispute this with  XXXX  acknowledging the debt not being mine, yet they sent an itemized invoice under their letterhead. I, then, disputed this account again with the company on a later date notifying them the account is not mine, and the information provided is a violation to  HIPPA la ws for sharing someone 's medical information. I have no dealings with this company, nor have I signed any contract with them. If what they provided were mine, they are in violation of  HIPPA by  obtaining/purchasing medical information as a third party from a medical facility. Continuing to report false information about me is slander and I have no problem and will seek legal actions and punitive damages for the hardship this allege debt is causing me.

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