vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018, I sent a letter to dispute the late payments shown on my credit report which they signed for on XX/XX/2018. I DID NOT receive a response within 30 days as required by law. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureau is reporting inaccurate information to my report. I have contacted them numerous times to update incorrect information and was unsuccessful.

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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureau is reporting inaccurate information to my report. I have contacted them numerous times to update incorrect information and was unsuccessful.

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 2019-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Intermex Wire Transfer, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX and I was victim of froud on XX/XX/2018. I have nephew that live in XXXX for about 10 years. One person from this number XXXX posing as a US Customs agent called me and told me that XXXX XXXX my nephew was in XXXX XXXX Airport and have a problem with documentation and need help, he was in surprise visit. 
She them told me that we need to wire {$1200.00} to XXXX XXXX XXXX in XXXX XXXX XXXX XXXX and as soon we have that money there we can go to the Airport to pick up XXXX. 
I went to send the money thru Intermex with the numbers XXXX for {$300.00} and XXXX for {$950.00} after that we rush tothe Airport hoping to find my nephew everything was scam my nephew I learn later was in XXXX and XXXX XXXX XXXX disappears. 
I waiting from intermex with response to who took the money in XXXX XXXX XXXX XXXX with no avail My ph number XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened my Chase checking account online around XX/XX/XXXX. I had a coupon code for a {$200.00} bonus if I had direct deposit made into the account by XX/XX/XXXX. 
It took a couple weeks for my employer to update my direct deposit information. So my first actual direct deposit into my new Chase account was made on XX/XX/XXXX. I receive direct deposit every Thursday now. I went into Chase on or around XX/XX/XXXX to speak to a banker and sign papers. I told her about my direct deposit and the coupon code and she verified and said yes you will be receiving that within 10 business days. I told the banker that my employer deposits my money through their bank and that bank direct deposits to my bank account. She told me not a problem. A week later I called Chase and they told me yes we see your direct deposit made by your employer and you will receive your {$200.00} bonus within 10 business days. Today I called to check the status and they told me they can not give me my bonus because my employers bank does the direct deposit and not the actual employer. I informed everyone I talked to in person and on phone how my employer does the direct deposit and they said yes its still direct deposit. Now they are going back on their word after I was promised!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I had settled an account with XXXX XXXX on XX/XX/2018 in the amount of {$100.00} for an outstanding balance with XXXX totaling {$260.00}. Had I known that this third party collection agency had no authority, other than to report weekly the information that my account is cleared with them, to remove this pestering collection away from my credit file. I had been transferred 5 times total, to be told to call XXXX and then to call XXXX XXXX again to finally become informed of that there is nothing else they are able to do. XXXX has its own collection policy that I was unaware of and to my understanding I should no longer owe another {$160.00} if the collection agency only settled for the {$100.00}. To add, I do not plan to EVER reinstate services with XXXX in neither the near nor far future.

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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Im disappointed that I disputed XXXX  and XXXX/Sterling jewelers on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/18 I paid off my balance in my HELOC at PNC Bank for the paid off amount of the loan {$78000.00} the bank didn't cash the check until XX/XX/18. I am being charged interest and fees and my loan still remains open with an outstanding balance!!! I spoke to numerous persons who stated the pay off was a day late and I owe {$560.00} in interest and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Law Office of Michael J. Scott, PC
State: TN

Complaint narrative:
I am the co-signer on 3 separate student loans obtained by my husband. All of these student loans are now part of the XXXX XXXX XXXX XXXX XXXX { XXXX }. Each of these loans are also now part of a lawsuit brought on by your bureau. A consent order was agreed upon in relation to said suit. I believe my husband and/ or I qualify under the regulations set forth by the consent order. We have not been contacted however regarding our qualification. 
Our loans : XXXX XXXX, XXXX, XXXX. 
XXXX filled a lawsuit against us on XXXX. 1. ) This date was past the state of Tennessee 's statute of limitations. Due to incredible financial pressures and job loss, my husband and I filed for bankruptcy in XX/XX/XXXX. Once the XXXX received the formal notice of the bankruptcy, they obtained a voluntary dismissal of the lawsuit. 2 ) In XXXX I was contacted by XXXX XXXX XXXX XXXX law firm and told XXXX had been awarded a new judgement and were seeking a payment plan or else they would follow through with wage garnishments already approved by the court. I questioned the law firm concerning the new judgement and wage garnishment, as I had had no further contact from the XXXX  since the voluntary dismissal of the lawsuit. However due to the bankruptcy my husband and I had just gone through, foreclosure, and moving in with relatives, I thought maybe the information had somehow not made it to us. Having experienced much hardship due to prior financial difficulties, and having been told by bankruptcy lawyers that there was NO way to EVER be relieved of student loan debt, even private student loan debt, I set up payment plans. I have been paying on these loans since XX/XX/XXXX. I was unaware and NEVER informed that these would fall under the statute of limitations. 
Once I learned of the lawsuit by your bureau ( the CFPB ) I called XXXX XXXX XXXX law firm in XX/XX/XXXX to ask to receive a copy of my original promissory note, as well as all documentation of sucession of ownership from that promissory note to the present. I was told they know nothing about the CFPB lawsuit and that I could not get a copy of the original promissory note, etc. I stated I would not be sending another payment until I received this information. I was told that I would be the one in violation of my payment agreement I even referenced your bureau 's lawsuit and consent order and stated that I thought they were violating the consent order by not providing me the requested documents. I have received no documentation as of today XX/XX/XXXX. I have however, been contacted multiple times informing me they have not received my XX/XX/XXXX payments and that I am the one violating the payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im disappointed that I disputed XXXX XXXX XXXX/XXXX XXXX on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in XXXX XXXX for sending a fake application to me and them not correcting my credit report by removing 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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im disappointed that I disputed XXXX and XXXX/XXXX XXXX  on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing 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 non-monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I am disputing this collection account with CFPB concerning Retail merchant Association placing a collection account on my XXXX credit report. I recently sent Retail Merchant Association a letter asking for validation of the alleged debt amounting to {$10.00}. Retail Merchant Association did not provide any documents or evidence to validate the account, but instead gave me a print out of the bill. This company kept this account on my XXXX   credit report despite providing proper validation of this debt, but instead of verifying ( identifying ) the debt. Again, Retail Merchant Association did not provide any documents or evidence to validate the account. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank, Executive Office has ignored the evidence provided showing the property with XXXX XXXX XXXX XXXX transferred to Chase Bank due to  acquisition of Washington Mutual Bank which acquired XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I spoke with FDC Federal deposit insurance that oversees bank transfers. The agent who oversaw the Chase Bank acquisition of Washington Mutual Bank confirmed the acquisition. Agent confirmed FDC did not retain files from Washington Mutual Bank acquisition and verified the transfer to Chase Bank. Agent advised to dispute my large bank account assets transfer to Chase Bank with Chase Bank direly and submit a consumer complaint. 

1. XXXX XXXX XX/XX/XXXX XXXX was acquired by Washington Mutual bank which was acquired by Chase Bank. 

2. Executive Office of Chase Bank ignored my correspondence on XX/XX/XXXX with the facts below. 


A. Proof of ownership of XXXX XXXX XXXX XXXX, XXXX property of large bank account The attached XXXX XXXX XXXX  XXXX, XXXX tax form of XXXX shows interest income of {$1200.00} earned to the original deposit of a large bank account of {$20.00} opened in XX/XX/XXXXat XXXX XXXX XXXX XXXX, XXXX. 

B. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA was acquired by Washington Mutual Bank. Washington Mutual Bank failed in XX/XX/XXXX, and all accounts ( and website access ) are now handled by Chase Bank. 

C. State Controller Unclaimed Property office stated that the Savings account property was not transferred by bank to State Controller Property office. 

To determine whether the property is being held by a state government, I did a free search at XXXX, a Web site of the XXXX XXXX XXXX XXXX XXXX XXXX and spoke with three Administrators at the XXXX XXXX XXXX XXXX to confirm my search results. 

D. FDIC Federal Deposit Insurance Corporation that oversees bank transfers including Washington Mutual Bank 's acquisition did no retain files from Washington Mutual Bank 's acquisition by Chase Bank. The FDIC did not turn unclaimed property over to the state. 

E. FDIC Federal Deposit Insurance Corporation stated I needed to claim property from the business, Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was charged an overdraft fee for a debit card transaction and I have not elected to " opt-in '' for overdraft " protection ''. The transaction is as follows : Transaction Description Amount Action Fee RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXXXXXX  XXXX {$12.00} PAID {$35.00}. 


I was offered a refund of half of my fee, which I accepted at the time, as it was better than none, however I believe that this practice was unlawful. 
I also deposited {$100.00} into the account of the day that the account was overdrawn, before a debit card purchase was posted and received a 2nd overdraft fee for an ACH. The account reflected a positive ~ {$22.00} balance after the deposit. The next morning, ( today, XX/XX/2019 ), I log in to my account to see it negative ~ {$48.00}

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 2019-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
I had to submit the application over and over again I had my employer 's statement faxed in ; per the rep it was not complete and it is to qualify I had to be in an income driver program for over 2 years and I have been more than that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: CA

Complaint narrative:
I had an XXXX Visa from Chase Credit Cards. last year I noticed I kept getting charged a late fee even though I was making my payment on time. I spoke with a Customer Service Representative ( CSR ) who explained they were in the right and I was in the wrong. I told them to cancel my account, which they did. I still had an outstanding balance so I continued to pay it down until it was within a reasonable amount before paying it off. On XX/XX/XXXX, I logged onto my account to make my XXXX payment when I noticed that I was charged a {$25.00} late fee on XX/XX/XXXX even though I had made the minimum payment of {$25.00} on XX/XX/XXXX. My online statement also showed that my payment was paid on XX/XX/XXXX. I called and spoke to a CSR who told me that if I had waited until XX/XX/XXXX, a late fee would not have been charged. I explained that this is why I cancelled my credit card in the first place because of these ridiculous and unethical business practices. He agreed to remove the {$25.00} late fee. I requested a confirmation number, but he stated they do not do that, but it would show up in my next statement. When I went to pay my XXXX payment, I saw a {$27.00} late fee charged on XX/XX/XXXX even though I paid my XXXX payment on XX/XX/XXXX, which shows on my statement. I called Chase again, and I spoke with another CSR who stated that it was my fault because I paid my XXXX payment on XX/XX/XXXX. I asked to speak to a manager, and the manager made a futile attempted to get the late fee waived and to reduce my minimum payment back to {$25.00} instead of {$54.00}. When the manager came back on the line she claimed that they were unable to take the late fee off or change my minimum payment back to {$25.00}, and told me I would continue to be charged a late fee if I did not pay {$54.00} by XX/XX/XXXX. I hung up on her at that point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On multiple occasions I have contacted Navient requesting to get my student loans lowered and get my brother off as my co-signer. Each time I speak with someone I am told something different and that they can't do anything for me. They will not lower my student loans because they base my payment off of mine and my brothers income which is unfair. I need to know how if what their doing to me is legal, not allowing me to dismiss my brother from MY loan as a cosigner and not letting me use the programs offered for payment plans, something doesn't match up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Ascendium Education Group
State: NC

Complaint narrative:
I have tried contacting both agencies but XXXX XXXX would not speak to me at all they kept placing me on hold and transferring me. Now I have a company named XXXX XXXX XXXX, formerly XXXX XXXX XXXX calling stating they are going to garnish my wages. My loans are in deferred payment status til XX/XX/2019 because I am presently in school. The strange thing is the amounts are almost identical and I know I have been to school for almost 75,000 dollars. I am trying to get financial assistance now because I'm in school and can't because it has me in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: PA

Complaint narrative:
While visiting XXXX XXXX in XX/XX/XXXX we billed all charges to our room, including all food and beverage, so we wouldn't have to carry a credit card as we visited all of the parks. At the end of our stay the total for those charges was billed to the credit card that I specified when we checked in, my Capital One Savor MasterCard. That card gives cash-back credit for various kinds of purchases. It gives 4 % on dining and entertainment but only 1 % on general purchases. Because our XXXX XXXX dining charges were billed to our room Capital One classified those as lodging and only gave 1 % cash back instead 4 % cash back. The 25 individual dining charges amounted to XXXX, so instead of earning {$24.00} we earned only {$6.00}. 

I called Capital One on XX/XX/XXXX and spoke to a customer service supervisor named XXXX to ask that they reclassify the dining part of the charges so we would accrue the higher percentage of cash back, since this is how they promote the Capital One Savor card. He said that the only way to correct this is to have XXXX refund and re-bill this to Capital One as dining. They know that XXXX will never do this. I offered to provide the billing details that XXXX emailed to me that clearly distinguishes the food purchases but they said that there is nothing they can do.

Company response to consumer: Closed with monetary relief