vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX XXXX XXXX Booking : XXXX XX/XX/XXXX : I called XXXX XXXX ( tel XXXX XXXX XXXX and spoke to inquire about the refund of a {$100.00} deposit made from a closed Chase Sapphine Visa account ending in # XXXX and was informed that refund transaction was done on XX/XX/XXXX and that I should call Chase to follow up on this refund since the card that was used to make the deposit on XX/XX/XXXX is already closed but per XXXX XXXX XXXX, the refund transaction was successful ( see attached document ). 

XX/XX/XXXX : After not receiving any refund check or notification from Chase, I again called XXXX XXXX XXXX to follow up. As informed on my original call on XX/XX/XXXX, the refund transaction was already done on XX/XX/XXXX and that I should contact Chase to follow up on this refund. 

XX/XX/XXXX : I called chase XXXX. I informed the representative that a refund transaction was done by XXXX XXXX line on XX/XX/XXXX on a credit card account with Chase that has been closed since XX/XX/XXXX. Chase was able to locate my account ending on # XXXX and was told that another account would be created so that a refund check can be mailed to my address of record and that a check should be in the mail in about 6 business days. 

XX/XX/XXXX : I called Chase to follow up on the refund check since it has been over 2 weeks since I last called Chase and still no refund check. I was transferred to 5 people including a supervisor since Chase could no longer find my account and was told that I have no previous account with Chase and that my last previous account with Chase was in XXXX. 

This is very concerning as I had both the Chase Sapphire Preferred and Reserved account with Chase and have used those two credit card accounts for tens of thousands of dollars of transaction from XXXX through XXXX. I was told that I would need to go to a Chase branch to see if my account could be located. 

XX/XX/XXXX : I went to a Chase Branch in XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Driving directions XXXX The branch was also unable to locate my account. I even showed the Banker an image of my credit card that I was able to save in my phone. I was told again that there is no record of this credit card. How can there be no record of this account if I have an actual picture of the credit card. The Banker was also puzzled. 

All I ask is the refund of the {$100.00} deposit that was made on Chase Sapphire credit card ending on # XXXX that was made on XX/XX/XXXX and refunded on XX/XX/XXXX. How could 2 years of transactions with Chase all of the sudden disappear. 

Sincerely, XXXX XXXX XXXX I hereby allow my husband XXXX XXXX ( XXXX ) to be contacted for matters concerning this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: FL

Complaint narrative:
Was removed as an authorized user account has since been closed. Ive contacted both transunion and XXXX and the bad information is still on my profile. Id like the account reported as closed and removed as it is not my 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 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company
State: GA

Complaint narrative:
I had a loan with XXXX XXXX  which sold my note to Statebridge Company. I sold / closed the sale on my home on XX/XX/2018 and the mortgage was paid off on this date with a good through date XX/XX/2018. I have been trying to get my refund from Statebridge. I have made numerous calls and all I get is either - will call you back or leave a voice message and no calls or help or refund. I made my XX/XX/XXXX payment before closing, when I closed on XX/XX/XXXX my escrow co sent funds for XX/XX/XXXX-XX/XX/XXXX along with they paid the property taxes in addition to Statebridge paid . 

Im not sure why the mortgage does not report my taxes paid on my XXXX, as they are paid through my escrow account on my mortgage. Im hoping that you would be able to assist me on getting my refund and a corrected XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've received 1099 MISC for {$700.00} total other income from Chase on XX/XX/2019.I have spoken with in bank bankers, Chase customer service reps and even the 1099 reps, and it is indeed an endless loop of ignorance. XXXX, when I ask the 1099 rep to explain what the listed amounts are for, I will be told that they don't have the records on my account and that I will have to talk to customer service. Customer service in turn knows zip and just wants to get rid of me, so they transfer me to the 1099 rep, who seems to be outsourced and know nothing about US Tax Laws. I am contesting the {$700.00} amount because I have not received that at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I have called Navient and formally Sallie Mae many times to get some of my interest rates lowered. I have XXXX private student loan that is 12 % interest! It's so demanding that I will never pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I've been repaying my student loans with Navient through an income-sensitive repayment ( ISR ) plan, with which I have to file a new form annually to certify my income level. 

My payment was about to go up as of XX/XX/XXXX, so in XXXX, I filed the ISR documentation. 

On XX/XX/XXXX, I received notice that my ISR materials were rejected because of the form of income certification I submitted ( tax return -- married filing jointly -- they needed a form that didn't include my spouse 's income ). 

So I resubmitted the documentation on XX/XX/XXXX ( this time, with the 2018 W9 form from the company I work for ). After submitting, the confirmation page noted that I should expect the form to be processed within 15 days. 

On XX/XX/XXXX, I contacted Navient because I noticed that I had still not received an updated payment plan from them. 

When I spoke to the customer service rep, she notified me that because I was on an Autopay plan, they could not process my ISR when it was received within 14 days of the payment due date. 

I asked to speak with a supervisor because 1 ) I submitted my first form in XXXX, then my second form on XX/XX/XXXX, so I knew that this was well within the time frame she suggested, and 2 ) I was never notified of this technicality re : the Autopay plan and the due date. All that was indicated to me when I submitted my ISR documentation was that it would be processed within 15 days. 

I was then transferred to the supervisor, Navient employee # XXXX, who reiterated that because the Autopay was scheduled for XX/XX/XXXX, the ISR could not be processed before that date. This made no sense to me. 

I expressed my frustration that this information was not made available to me at any point in the process, and that I was now going to be forced to pay a significantly higher payment this month ( over 3x what I normally pay ) because of these deceptive practices. 

She argued with me about it for some time, and even had the audacity to say that this higher payment would actually be of BENEFIT TO ME, because it would lower my principal balance. I explained that while it would indeed lower my principal, that would not benefit me if I couldn't pay my other bills. She finally agreed with me, saying, " I understand -- if you had known about this, you could've planned for it. '' Exactly. 

It's important for borrowers to maintain sovereignty over their own financial decisions, and not be deceived by information that is not made clearly available to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Through this portal I have filed complaints against XXXX, XXXX, & Transunion. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the " Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/2018 ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. 
Specifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if  the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ...

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 2019-03-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I originally sent a certified package containing a signed and notarized letter, FTC Affidavit to Equifax in XX/XX/XXXX and submitted a complaint to the CFPB on XX/XX/XXXX. It is now XX/XX/XXXX and the investigation is not being completed the way it originally had been done. USPS Tracking : XXXX On XX/XX/XXXX : Response from CFPB : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : We have researched the credit account. Account # XXXX The results are : We investigated that this item does belong to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ACCOUNT HISTORY. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX The results of the investigation have been mailed to you, please allow 7-10 business days for delivery. If you have any additional questions or concerns in regard to the updates made to your Equifax Credit Report, please refer to the mailed revised copy or visit us at https : //www.equifax.com/personal/disputes or contact a Customer Service Representative at XXXX. 


Original Confirmation Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX a fraud charge of {$97.00} for XXXX XXXX, on XX/XX/XXXX Chase gave me a credit for it. 
On XX/XX/XXXX XXXX sent a credit, On XX/XX/XXXX Chase recharged me the {$97.00}. This should make us even. Actually the supervisor agreed we XXXX out. Now they say I still owe the {$97.00} and it must be from a previous charge. Funny the exact amount from another charge. No. I have been paying them in full for months now except for the {$97.00}. I spoke with a supervisor last month that assured me it would no longer show. It was a fraud charge to begin with. I owe them {$86.00} which I will pay in full. They can not show me anywhere that I charged another {$97.00} or any balance for that amount. How can you agree two fraud charges minus two credits equal XXXX balance but still charge me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX, my wife and I went to a Realtor named XXXX XXXX in XXXX Ca., they told us we were getting a loan agreement with a fixed interest rate, it ended up being an ARM, it is still going up today, this was and is a XXXX  loan through XXXX XXXX {$1500.00} to {$2600.00} today. 
My wife died in XXXX and then the recession hit in XXXX. I need a new loan with fixed interest rate. 
Ocwen has my loan now. 
Additionally there is a balloon payment of {$94000.00} due on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: NY

Complaint narrative:
I recently asked my cousin to take me off as an authorized user on his XXXX XXXX card. All was fine until I recently got an update on my credit karma showing creditor companies saying I am still on the account. I called XXXX XXXX as Did my cousin and XXXX XXXX had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.

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 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I contacted the mortgage company in regards to past due balance of {$580.00} that has been applied to my loan. The mortgage company advised me that they are for some fees and charges that have been assess to my account that is causing the past due balance. I advised the mortgage company that I should not be assess any fees that appear to be paid upfront. If I'm assess fees that they should be placed on the rear of the loan. I submitted a letter disputing this invalid fees and charges and they have not rectified the issue yet. By this error occurring on my loan it is causing my loan to show past due and have an negative impact on my credit report and continue to have a property inspection ordered assessing more fees to the loan.

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 2019-03-18 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I checked my credit report and found some inaccurate fraudulent information regarding this company. The address that is associate with this account I never lived there and the dates that these loans were taken out, I was not in school!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: OK

Complaint narrative:
On XX/XX/2019 I opened an account with Commerce Bank for the expressed purpose of earning {$300.00} for signing up and completing requirements posted at : https : //commercebank.comXXXX. When I approached the teller, she inquired what I was at the bank for and I told her I was there to open the account for the purpose of earning the {$300.00} promotional offer. After the teller took my information and a check for {$5000.00}, she then opened a checking account in my name and the teller stated then stated the bank would not be able to extend the promotional offer to me. After asking why I would not be able to receive a publicly posted offer, the teller and branch manager stated the offer was only for " certain targeted customers '', this statement was repeated to me upon contacting the corporate office. The teller and manager stated that they had successfully opened a checking account in my name, but the promotion would not be extended to me. The teller and manager could offer no information why I would be ineligible for an offer posted on the bank 's website. I closed the account upon notice that my account would not be eligible. I believe I have been discriminated against without legitimate reason and without specific cause offered by Commerce Bank. 

Additionally, the head office was contacted and the representative did not believe there was an issue to address. I attempted to use the bank 's online links to sign up for an account, these links do not work ( shown in video attachment ), the bank was informed of the website links and the representative stated the site was functioning properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Called Mr Cooper to get an update, as our negotiator has stopped communicating with us in XXXX he has not responded in XXXX to any of our requests in over two weeks. I ended up speaking with XXXX XXXX. He was extremely rude and combative. Continually interrupted me, and refused to send me to a supervisor. He said there were no updates if there was nothing in XXXX. I told him the negotiator is not responding in XXXX and we need an update on the file, and if he cant get an update for me then I need to speak to a supervisor. He then grew extremely frustrated with me, told me that the negotiators workload has just INCREASED AGAIN WITH NO ADDITONAL HIRING TO COMPSENSATE FOR THIS, that there were no updates, there was nothing he could do, and refused to send me to a supervisor. He then stated ITS NORMAL FOR A SHORT SALE TO NOT BE WORKED ON IN OVER TWO WEEKS. I explained to him that I could her the frustration level in his voice and stated that no response in two weeks is not acceptable, and I needed an update, if he can not help me then I need a supervisor. Apparently telling him I could hear his frustration level in his voice triggered an extremely combative emotional state for XXXX XXXX. XXXX XXXX became extremely combative, contined to interrupt me, refused to let me finish speaking. 

Neither XXXX XXXX nor Nationstars behavior is acceptable. I want XXXX to received additional training, as it is apparent he does not know how to control his emotions when he is at work. His representation of Nationstar is antagonistic, defensive and extremely resentful when speaking to people on the phone. The understaffing issues started over a year ago when Nationstar shut down their Arizona facility. Nationstar has done NOTHING to fix these issues. It is apparent that Nationstar has created a hostile working environment and does not have the staffing to continue their servicing obligations. 

I want Nationstar fined the maximum of $ XXXX due to their inability to fulfill their servicing obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a request to XXXX, Experian, and XXXX XXXX to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.

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 2019-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
SEE ATTACHED REPORTING ON CREDIT REPORT THIS IS NOT MY DEBT. 

THIS IS OFFICIAL DEMAND LETTER TO REMOVE FROM MY CREDIT REPORT IMMEDIATELY AND STOP CALLING MY WORK AND HOME Disputed through XXXX XXXX. Debt is not mine. Debt Collectors continue to call me at my office and home harassing me at work and late at night. They are also falsely reporting collection on my Credit report. Let this serve as official demand letter to remove from my credit report.

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 2019-03-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recently asked my cousin to take me off as an authorized user on his American Express card. All was fine until I recently got an update on my credit karma showing creditor companies saying I am still on the account. I called American Express as Did my cousin and American Express had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.

Company response to consumer: Closed with non-monetary relief