vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I submitted a claim to claims department due to a charge of $XXXX being charged to my account that wasn’t authorized by me. The merchant refunded the money back after claims department did temporary credit as well as an over draft free of $XXXX. A month later even with the merchant refunded the money Bank of America took the money back even tho the money from the merchant was never added back into my account. So now they have not given me $XXXX and the $XXXX that was supposed to be taken out of my account. They never sent me any paperwork so when they took it back i went to back and finish paperwork for the claim to get the money back and no one is giving any answers.

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 2019-01-04 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XX/XX/XXXX I received an email that a person that isnt me had been added to my XXXX account. Within 3 minutes later I had 5 {$100.00} charges made on that account. 

I called Chase on the number on the back of my card within minutes and explained the situation. 

The charges were removed and the card cancelled, then a replacement was sent. Problem solved, or so I thought. 

I checked my statement a month later and the charges were added back to my account. 

Despite dozens of phone calls and visits to the branch showing printouts of the account emails I received Chase has not resolved this in any way. The disputes contact I have no longer answers or returns calls, and Im still stuck with {$500.00} in fraudulent charges on my credit card statement. 

The account that was hacked had not be used by me in weeks, and never once in the lifetime of the account had I EVER purchased any sort of add-on or made any purchase at all. I immediately canceled the account with XXXX so as not to risk anything further. 

Despite producing the evidence to Chase and calling them within minutes to file the dispute I am now almost 4 months later STILL trying to get my money back that was stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This is the information that I requested from Portfolio Recovery! 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received non of the information I requested. 

I did not receive this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Throughout the second half of XXXX, I received multiple credit card offers from HSBC Bank related to my high credit score. Multiple offers were received from HSBC for an HSBC Cash Rewards Mastercard. On the advertising " pre-screened '' offer, it stated a 0 % Introductory APR in bold red lettering. A similarly looking offer was received for the same colored and designed credit card, an HSBC Platinum Cash Rewards Mastercard. Both offers offered {$150.00} cashback for spending " x '' number of dollars in the first 90 days of account opening. One of the offers stated XXXX points that equaled {$150.00} cashback. After multiple solicitations I decided to sign up for the card in XX/XX/XXXX that included 0 % introductory APR for 15 months for purchases and balance transfers. Or, so I thought. I spent on the card according to a planned project for those stated terms. 

In late XX/XX/XXXX I received my first statement showing a 14.99 % APR on purchases. At this point the total I accrued on the account was based upon a payment plan to pay off the full balance in early XX/XX/XXXX. 

On XX/XX/XXXX I spoke with multiple representatives at the company who defended the fraudulent advertising practices, even referring to the website to review the offers attempting to make me believe it was 0 % for 15 months on balance transfers. I received a paper offer ( multiple to be specific ) and this is not how the advertising read or what was expected based upon the advertising. 

To date, I have never used a balance transfer in my life and did not plan to do so. The credit card was signed up for and used according to the 0 % Introductory APR for purchases and transfers offer I believed I was getting. The Cash Rewards and Platinum cash rewards card design are nearly identical in nature and the terms are similar except for the purchases clause. 

The attached document is an example of one solicitation letter, but not necessarily the one attached to the sign-up I used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
To Whom It May Concern : I am formally submitting my complaints to Navient about my Plus loan service. 
The following is my account history. 

1. There were four Plus loans in four years, starting in the year XX/XX/XXXX to the yearXX/XX/XXXX. 
2. Starting from the year XX/XX/XXXX, I consolidated the loans every year. So there were 3 consolidation. It became a big loan after 4 years because the consolidations. 
3. I started paying back the loan in the year XX/XX/XXXX, even during the years of loan consolidation. 
4. After XX/XX/XXXX, I had forbearance for the next three years. 
5. I started paying the loan after the forbearance until recently when I started to audit this loan account and put this account in dispute. 
The big issue I have is after paying the loan for 16 years, not including the forbearance period, I currently still owe more money than all the money I borrowed. This caused me to put my attention to the details of this account. I requested Navient to provide me with all the original loan and consolidation documents, complete payment history, and the answers to the following questions : 1. I believed I started to submit my payments in the year XX/XX/XXXX. However, I did not see any payment record before the year XX/XX/XXXX. Could you please provide those missing records? 
2. When I first applied the Plus loan, I was told the complete payback time was 10 years. I did not see anything like that mentioned on the promissory notes. 
Could you point out on the notes that stated otherwise? How was my Plus loan scheduled for repayment? 
3. I submitted the payment every month for 16 years. For each payment, what was the percentage allocated to principle and what was the percentage allocated to interest? Where were these percentage specified on the note details? 
4. Navient stated this loan was a simple interest loan that was compound daily. Could you please point out where on the notes I signed indicated this type of interest compounding method? 
5. I also requested a copy of each promissory note that is COMPLETE and CLEAR so I can read the details of the promissory note. However, they were not provided. 

After more than three months, Navient still has not provided answers to any of the above questions I asked. My investigation and audit of my Plus loan account could not continue. 
This is the reason I submit my complaints to you and sincerely hope you can step in to help my investigation and audit of the account. 

Another thing I noticed interesting is that, during the three-year period of forbearance, no one told me I could pay back the loan using something like income-based payment plan. 
In those three years, my spouse still worked. I could have benefited from this type of payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Just after XXXX  a priority mail letter was delivered to a home that I stayed at temporarily while looking for a job. The person who lives there brought the letter to my home on XX/XX/XXXX. I used the mobile deposit feature in the banking app and deposited the funds. The check was dated XX/XX/2018 in the amount of {$2900.00} and was written out to me. I spent some of the money on household goods as I was XXXX  up until XX/XX/XXXX and had nothing in my home. On the XXXX I went to purchase groceries and my card was declined. I called my bank and was told that the check was reversed due to insufficient funds and that it was my responsibility to know if the funds were available prior to depositing the check. I was instructed to contact the issuing bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Upon calling them the woman I spoke with asked for the check details including account and routing number and though the routing number was correct she stated that the account did not exist. I was told that this could potentially be fraud and to call my bank. I called my bank immediately, USAA, and relayed the information I was just given and was directed to the fraud department to start a claim. After speaking with them both of my checking and savings accounts as well as my husbands checking account was frozen. To this day I still can not even access the website to view my accounts or notices. I called my bank repeatedly and was told that the money needed to be recouped immediately. I asked what my options were and was told that they had to take all of the money from all of the accounts to offset the balance. I was not given any other option but was forced ( I feel like I was forced ) to give them permission to drain all of the accounts and still owe them {$590.00}. I was told that if I dont pay the difference before XX/XX/XXXX five or take then all of the accounts would be closed and they would submit my information to collections as well as post it on my credit report. Even after explaining that Im currently unemployed and do not have any other bank accounts I was asked to write a check for the balance. I attempted to file a police report at the XXXX XXXX Police Department in NJ I was told that I would be arrested for submitting a false police report. I should also mention that the original letter came with tracking information and that my husbands account was frozen because Im listed as a joint user. Every account that had my name on it is frozen. I received a letter in dated XX/XX/XXXX stating that the check was returned because the account could not be found. I called USAA and was told that my fraud claim was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
After reading the article about Navient lawsuit this complaint is definitely needed. As long as I've had student loans I was never informed about the income driven until about a year or two ago. So I recently submitted my income driven application on theXX/XX/XXXX. I was informed that they had 14-17 days to input your application in there system. What baffles me is that they don't use the date the the application was received, they use the date that they put it into their system. Due to this, my account is now considered to be 112 days past due. Which has just hit my credit report and dropped my score down 63 points.  XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I have been working hard on making sure that I am sending my payments on time, which is the XXXX of every month. With the agreement of {$10.00} but I pay {$20.00} and if I can pay more I will. I am in tears because I am working hard on trying to get my credit back on track and Navient has just set me back by almost 70 points. Just amazes me that XXXX will use the date that the application was received. At this point Navient has reported incorrect information on my credit report and I would like my income drive application to mimic the date it was received and that was XX/XX/18. This is not how you do business. The entire income drive and forbearance and deferments are a joke and a rip off. You have people that actually want to take care of debt and you end up screwing them for do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JTM Capital Management, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Contacted my daughter about me, told her they had documents to deliver and they had our address, told my daughter I was high risk and they are coming to get me. I called the company after they harassed and scared my daughter they told me I had to pay {$4800.00} or someone is coming to my house. This is harrasung, unethical and against the law

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 2019-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company website give you a option to pay the bill via your bank using the bill pay. My bank delivered my payment to the Oportun company on XX/XX/18. The company applied a late fee {$14.00} because they claim they don't check the PO BOX daily for payments. They gave the in date of the payment XX/XX/18, but i should be XX/XX/18. The website does not inform the customers that it might take a few days for them to get the payment from the PO BOX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made two purchases on XX/XX/2018, and one purchase on XX/XX/2018, from an e-marketplace website called XXXX ( XXXX XXXX XXXX ) for virtual codes for a video game called XXXX XXXX XXXX. The purchases were paid through PayPal and I subsequently received the video game codes which I added to my game account. 

On XX/XX/2018, I received an email from the game developer of XXXX XXXX XXXX, stating that my game accounts have been suspended due to fraudulent purchases. The developers stated that the codes I had purchased from XXXX were found to " have been acquired illegitimately through fraud, hacking, or identity theft '' which led to the suspension of my account and the removal of the game benefits from these codes. From my correspondence with the game developer, it was revealed to me that XXXX is not an officially authorized seller for these codes and they are a marketplace where users can sell their extra/unneeded codes. 

On XX/XX/2018, I emailed the XXXX support team about this issue and requested a refund for my purchase. A XXXX support agent responded on XX/XX/2018, that they " can confirm that all of our codes are legitimate. '' In response, I asked the support agent to provide the original proof of purchase for the codes, such as date, time, and location of the original purchase. The support agent responded with completely irrelevant information. 

I submitted all this documentation, including the email from the game developer and my correspondence between XXXX, to PayPal to dispute these three charges. On XX/XX/2018, PayPal finished their initial investigation of the dispute and resolved it in the seller 's favor. They did not provide me with any information from the investigation and simply said that it was not in my favor. I re-opened the dispute and further explained the situation. On XX/XX/2018, PayPal finished their second investigation and still did not decide it in my favor or provide any information from the investigation. 

Therefore, I am submitting a complaint against PayPal for failure to disclose the outcome of their investigation and failure to protect and refunding their users from fraudulent web stores.

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 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I got charged so many monthly fees that I was not aware of, so asked Citizens to close my account online. But they didn't close it. So I went to the bank to get the fees waived close it. They changed the type of the account to a free checking. As far as the fee charged to my account goes, I was advised to call Citizens Customer Service or go online to get them waived and then come back to them later to get more fees waived. They said they couldn't waive any fees before Customer Service Phone Banking waives any of the fees. The next day, I got charged another monthly fees even though my account is changed to a free checking. Also, I got charged a statement fee of {$3.00} on my account. I have never seen any bank charging XXXX dollars for a paper statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
After reading the article about XXXX lawsuit this complaint is definitely needed. As long as I've had student loans I was never informed about the income driven until about a year or two ago. So I recently submitted my income driven application on the XX/XX/XXXX. I was informed that they had 14-17 days to input your application in there system. What baffles me is that they don't use the date the the application was received, they use the date that they put it into their system. Due to this, my account is now considered to be 112 days past due. Which has just hit my credit report and dropped my score down 63 points. XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I have been working hard on making sure that I am sending my payments on time, which is the XXXX of every month. With the agreement of $XXXX but I pay $XXXX and if I can pay more I will. I am in tears because I am working hard on trying to get my credit back on track and XXXX   has just set me back by almost 70 points. Just amazes me that XXXX will use the date that the application was received. At this point XXXX  has reported incorrect information on my credit report and I would like my income drive application to mimic the date it was received and that was XX/XX/18. This is not how you do business. The entire income drive and forbearance and deferments are a joke and a rip off. You have people that actually want to take care of debt and you end up XXXX them for do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I applied and was approved for two Chase credit cards. My applications were approximately seven hours apart. On XX/XX/XXXX, I received my first credit card in the mail, a Chase XXXX XXXX, and I also received a notice by letter that my second account, a Chase Freedom Unlimited card that was approved and opened for four days, was closed for two reasons : 1. Too many accounts opened recently. 
2. Sufficient credit available with Chase. 

Having the account closed by Chase after being approved and opened is underhanded at best, and it negatively affects my credit rating through no fault of my own. If the rules were in place prior to approval then my application for the second card should have been declined. My credit record is something that I manage closely. I did not randomly apply for two different cards. I specifically applied for two cards because they offer different and complimentary reward structures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
When using XXXX to access my free Experian report, their website produces an unidentified exception and tells me to mail in a demand form. This happens every time I've tried to produce a free report over the past four years.

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