vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent {$100.00} to my husbands old number through Chase Quckpay by XXXX, as soon as the transaction was performed on XX/XX/XXXX i called Chase and advised them. They advised me to all the number and request the money back. Once i called the person acknowledged it was a mistake but did not return the money. I called chase XX/XX/XXXX to open a dispute to have my money returned. They allotted 3-5 business day to receiver the money but advised they left a voice message and the person did not call back. I called the receiver on a different device and advised them to send the money, they acknowledged through text that they were not supposed to receive the funds and would call the bank. On XX/XX/XXXX i proceeded to call chase and they advised there was nothing else they can do and would not be reaching out the the receiver anymore. Since Chase is offering this form of cash transfer there should be some liability, I find it hard to believe that i can lose my money over a simple mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have a hard inquiry on my credit report from XX/XX/XXXX from XXXX in XXXX, Florida. that I did not authorize nor am I a customer of this bank. This inquiry shows up only on one credit bureau ( XXXX ) they will not help me. I called on XX/XX/XXXX and again on XX/XX/XXXX XXXX   they told me I would have to call and make a police report because they will not send me a letter head stating they ran my credit because I am not a customer. How is this even fair? 

Then when I call XXXX on XX/XX/XXXX they tell me i need a report from the bank and myself. I can not get the report from the bank. No one is helping me resolve this issue. Could someone please help in this matter?

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 2018-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: WY

Complaint narrative:
I was looking into a " student loan forgiveness program '' and I came upon Equitable Acceptance. I spoke with this company on XX/XX/XXXX for over an hour as they explained to me that I would need to pay {$49.00} every month for approximately 3 years and after the three years of paying faithfully my student loan would be forgiven. I was super excited and agreed to this. I have been paying {$49.00} faithfully since with extra fees added on at times. In XX/XX/XXXX I paid {$55.00} ; XX/XX/XXXX I paid {$100.00} ; XX/XX/XXXX I paid {$50.00} and {$53.00}. I received a federal loan statements in XX/XX/XXXX and this is when I became confused ; therefore I did not pay Equitable Acceptance in XX/XX/XXXX and XX/XX/XXXX. I spoke to Equitable Acceptance who then explained to me that I paid them to find a student loan forgiveness company for me and there is nothing they can do about them not paying my student loan, but I would need to continue to pay Equitable Acceptance or they would send me to collection. This of course scared me as I am currently working on my credit and do not want anything sent to collection so I agreed to start paying them again in XX/XX/XXXX. I did ask for the name and phone number of the company they had found to pay my student loans off and they told me XXXX XXXX XXXX at XXXX and I called this number multiple times ; including today ( XX/XX/XXXX ) and left messages requesting a call back and I have yet to receive a call back and each time I have called I have never spoke with a live person. Today I called and spoke to the U.S. Department of Education and told them my situation and they were very helpful and understanding and they had informed me that plenty of people has been scammed with these other companies. I really need help on what I need to do because I don't want to keep paying money to a company that is not doing what they had told me they would do for me. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
A dispute was filled with Capital One Credit Cards regarding an item purchased that arrived heavily damaged. Capital One requested that I submit a second opinion letter from a merchant in the same field as the merchant that sent the damaged product. I provided this second opinion letter. Capital One 's dispute department, in error, marked the second opinion letter as a duplicate document and Failed to submit the case to XXXX arbitration. After I called them to follow up with the case, I was told that a mistake was made, but at this point there is nothing they can do, as the XXXX window closed. I believe that this is a violation of my fair credit reporting rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
i recieved a collection letter from RECEIVABLE MANAGEMENT SERVICES stating i owed XXXX car insurance for XXXX i have informed them and XXXX that i have not had car insurance in my name since XX/XX/XXXX/XX/XX/XXXX the vehicle i own which is a XXXX XXXX XXXX has always been insured under my domestic partner insurance XXXX XXXX XXXX XXXX with XXXX the prior vechicle I had was a XXXX XXXX XXXX that was totaled out by XXXX in XX/XX/XXXX. At which time we bought the XXXX at XXXX XXXX in XXXX Florida and then transfered the insurance from one vehicle to the next.NEVER DID WE EVER NEED OUTSIDE INSURANCE FROM XXXX. I have sent on several occassions to this company the declaration page from XX/XX/XXXX stating when this vehicle was insured and they continue to refuse to remove this debt from my credit report and harass me for a payment. I have been a victim of id theft in the past. I have called and spoke to various people at this company and there has been no resolve. My XXXX XXXX XXXX vehicle has and still has full coverage on it by XXXX XXXX XXXX XXXX with XXXX since the date of purchase.

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 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received an offer from chase Bank for a reward of {$300.00} if I switch my checking account to them. Based on this offer I closed my account with my previous bank and opened an account with Chase Bank Bank on XX/XX/XXXX and also had my direct deposit made to this account within 60 days as part of the offer agreement. The other requirement was a minimum of {$50.00} in the account. I complied with all the requirements.

I suddenly received a letter from chase some in XX/XX/XXXX that my account was going to be closed on XX/XX/XXXX for undisclosed reasons. Note that I still had my direct deposit into this account and as at the time of closure there was a balance over {$50.00} in the account.

The account was closed unceremoniously and my balance is yet to be sent to me as should any reputable should.

This is clearly a switch and bait strategy by CHASE BANK. I therefore demand that I be compensated for the injury I have suffered from closing my previous account and then having this closed shortly after I had opened. it.

2. CHASE BANK and all other banks engaging in this unwholesome practice should be stopped from continuing this unfair strategy. If there was a problem with my account why was it opened at all? Everything was verified before it was opened by one XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: CO

Complaint narrative:
On XX/XX/2018 I received a credit report alert that a new collection was added to my XXXX, XXXX, and XXXX profiles by a company called XXXX XXXX XXXX. They were able to put a new collection on my account which I do not owe. I've read that this company is a scam that tries to collect money from people with these fraudulent collection accounts. If this was a legit collection I should have been notified either by mail or phone. I was never contacted about this account and I do not have any outstanding collections. This company has reported to XXXX after my first dispute that the account is in fact mine. I have opened another dispute with XXXX regarding this account. XXXX and XXXX have yet to come back with results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, I applied for a VA Home Loan mortgage with Wells Fargo Bank. Over about a two week period, I submitted numerous documents to Wells Fargo via their LoanTracker system and satisfied all requests for documents and verification information. I have called and emailed the relevant Wells Fargo agents and am constantly informed that the underwriter 's are still considering my mortgage application. My last call was two weeks ago as of XX/XX/XXXX and I have still received no email correspondence, no decision by mail or fax, and no email correspondence. I believe that there may be unfair or discriminatory loan practices involved with my Wells Fargo mortgage application. To clarify -- I applied for the mortgage on XX/XX/XXXX and as of XX/XX/XXXX no decision or any other correspondence regarding my application has been received. Wells Fargo appears to be unfairly delaying my mortgage application, which I believe may be  discrimination and a violation of my rights.

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 2018-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I am in receipt of settlement offer dated XX/XX/XXXX offering a Temporary Payment Arrangement, and a Resolution Amount of {$79000.00} ( copy enclosed ). 
I am also in receipt of letter dated XX/XX/XXXX, wherein stated the balance due is {$33000.00} ( copy enclosed ). 
I am also in receipt of letter dated XX/XX/XXXX in which the balance due is {$32000.00} ( copy enclosed ). 
And finally, I am in receipt of a letter dated XX/XX/XXXX, wherein a Resolution Amount of {$19000.00}. 
As you can see, the documentation that has been provided to me in regards to the stated balance due, is nowhere near recent resolution amount {$79000.00}. 
I am therefore and hereby requesting that Real Time Solutions provide me with a complete and detailed accounting of this debt, including all copies of letters that have been sent to me in regards to the collection of this debt and a copy of the Notice of Servicing Transfer. Pending receipt and concurrence of this information, I am prepared to consider a resolution offer of {$19000.00}, to be paid through escrow from the proceeds of a refinance of the first mortgage. 
Please contact me at your earliest convenience, as I am anxious to get this matter settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
Mr. Cooper ( former Nationstar ) is my current loan/mortgage company, in XX/XX/2018, company increased my payment by $ XXXX/month without any reason. 
Their phone is XXXX They told me that payment increase is due to escrow increase ( property tax from county and city ). 

I went to XXXX county and XXXX XXXX/sc city and asked them to send refund to Mr. Cooper, I called Mr. Cooper today ( XXXX ) and they told me that they already received refund from XXXX county and still don't want to change my monthly payment. 

It is just like rubbery ( my coworker told me it is illegal to increase mortgage payment ). 

My property address : XXXX XXXX XXXX XXXX XXXX, SC XXXX my name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Critical Resolution Mediation LLC
State: OR

Complaint narrative:
I received a phone call in XXXX and again today ( XX/XX/2018 ) from a man who said his name was XXXX XXXX from Critical Resolution Mediation at XXXX regarding a debt referred to them for collections, and if I did not contact him directly today to stop the action, delivery would be made to my residence and my employment on XX/XX/2018. He never said delivery of what, or what the debt is for. I do not have any outstanding debts. I have never received any notices, which makes sense since I have no bad debts. 

In XXXX I called the number back from a blocked number and a very rude woman answered. I asked for the name of their company as someone from their number had called me. She said if I didn't know who I was calling she sure as XXXX wasn't going to tell me XXXX. 

I looked the name of Critical Resolution Mediation up online, and they list a different phone number than the man who called me listed. Both show up a Georgia numbers/locations however. 

I will not be contacting them again. They are extremely threatening, a complete scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America took XXXX dollars from my bank account because of over draft. I had money in my bank account and i try and get my money back and explain to them this was a mistake. Unfortunately they told me I can't get my XXXX dollars because I had to call before 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 2018-06-11 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: VA

Complaint narrative:
I HAD A CREDIT CARD WITH XXXX XXXX XXXXXXXX XXXX BACK IN XX/XX/XXXX. THE PROBLEM I AM HAVING IS THE DATE OF DELINQUENT DATE THEY HAVE RE AGE THIS DATE SO THIS ACCOUNT CAN STAY ON MY CREDIT REPORT LONGER THEN IT SHOULD. THIS ACCOUNT SHOULD OF BEEN REMOVED OFF OF MY CREDIT REPORT BUT IT STILL SHOWING ON THERE. I HAVE A COPY OF MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX WHICH EACH MONTH ACCORDING TO XXXX XXXX XXXX THEY HAVE REPORTED MY CREDIT CARD ACCOUNT EACH MONTH TO THE CREDIT BUREAU. ON THIS REPORT IT SHOWS AS FOLLOW XX/XX/XXXX I WAS 30 DAY LATE ON MY MY CREDIT CARD PAYMENT AND ALSO I WAS BEHIND ON MY CREDIT CARD ACCOUNT AND I WAS NOT CURRENT SO THAT MONTH WOULD SHOW THAT DATE IS MY DELINQUENT DATE. SECOND ON THAT SAME REPORT IT SHOWS THE ACCOUNT WAS CLOSED IN XX/XX/XXXX AND XX/XX/XXXX THEN ON THAT SAME REPORT IT SHOWS 30 DAYS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE FOR THE MONTH XX/XX/XXXX, 30 DAYS LATE FOR THE MONTH XX/XX/XXXX 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX LATE FOR THE MONTH AGAIN WITH NO PAYMENTS FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND THE ACCOUNT WAS CLOSED AGAIN XX/XX/XXXX.. ON EXPERIAN CREDIT REPORT FOR XX/XX/XXXX XX/XX/XXXX ON EXPERIAN CREDIT REPORT XX/XX/XXXX AND XX/XX/XXXX. I ALSO INCLUDED A COPY OF A LETTER THAT WAS SENT FROM XXXX XXXX XXXX XXXX  XXXX THAT DIS INVESTIGATION ON MY COMPLAIN AND THEY CONTACT XXXX XXXX XXXX XXXX AND IT STATED AS FOLLOW TEH ACCOUNT WAS SUSPENDED FOR USE BECAUSE I WAS GREATER THEN 90 DAYS LATE DELINQUENT AS SHOWN ON MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX. THE DELINQUENT DATE THAT SHOWS XX/XX/XXXX AND 7 YEARS FROM XX/XX/XXXX FOR THE MONTH OF XX/XX/XXXX IS XX/XX/XXXX WHEN THIS ACCOUNT SHOULD OF BEEN REMOVED OFF OF MY CREDIT REPORT. THIS CREDITOR HAS RE AGE THIS ACCOUNT AS SHOWING THAT THE DELINQUENT DATE ON MY CREDIT REPORT IS XX/XX/XXXX, BUT GOING BACK TO THE LETTER THAT SHOWS THAT THE ACCOUNT WAS CLOSED XX/XX/XXXX BY XXXX XXXX BUT IT SHOWS ON THIS LETTER THAT THE ACCOUNT WAS CLOSED PERMANENTLY ON XX/XX/XXXX. SO AT THAT TIME THIS ACCOUNT WAS ALREADY BEHIND WITH A BALANCE AND IT WAS NOT CURRENT. I HAVE INCLUDED MY STATEMENT FROM XXXX XXXX XXXX XXXX THAT SHOWS STARTING ON MY CREDIT CARD STATEMENT DATED XX/XX/XXXX IT STATES AS FOLLOW TOTAL MINIMUM DUE IS XXXX SECOND YOUR ACCOUNT REMAINS XXXX PAST DUE AND YOUR ACCOUNT IS CLOSED

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 2018-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I received a call on XX/XX/XXXX from XXXX XXXX XXXX telling me that my loan was delinquent. I logged into my account and noticed I made a payment for {$260.00} on XX/XX/XXXX. My account showed a past due of {$56.00} ( see attachment ), however the representative on the phone told me my past due balance was {$72.00}. I called back to inquire why it was not showing my past due balance as the correct amount, explaining that if I went by what the website was saying and made the payment for what was past due, I would still be delinquent. This inaccurate display of balances due was the reason the XX/XX/XXXX payment was not for the full amount, as I always pay the balance in full by selecting what is due. I spoke with customer service for XXXX XXXX XXXX ( on the line for over 35 minutes ) and I was told that there was an issue with their billing. I have four loans and only three loans were showing up on my bill ; the fourth was showing up on a different bill. They told me that they are working on resolving the issue. They also told me that I will not be negatively credit reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am connected to CFPB complaint number XXXX, filed by XXXX XXXX XXXX, an issue concerning an incomplete lease contract for which I was the guarantor. The apartment community, XXXX XXXX   XXXX XXXX XXXX, FL, contacted the guarantee and told her that she had not completed a full lease and needed to sign a final copy of the lease in order for it to be complete and to be able to move in ( there is a voicemail and screenshot of the day the call was received attached ). Having been told by property management themselves that she never finished a required portion of the lease to be liable, she never moved in, nor did she receive keys to the property. 

However, XXXX XXXX XXXX falsely reported to the creditor, XXXX XXXX XXXX, that we had signed a full lease and were liable for the entirety of the rent, a claim the guarantee, XXXX XXXX was able to dispute with Transunion and get completely removed from her credit history. As the would-be guarantor and after filing a dispute over the same issue, Transunion would not remove this very same issue from my credit report. The claims were unfounded, and again, it is the exact same claim that was disputed and ultimately removed from the guarantees credit history. I am asking that Transunion remove this false charge from my credit history, since the other claimant involved in this dispute was successfully able to do so after being found not liable for the amount the property falsely reported to the creditor. The claim the property made was deemed unfounded by Transunion and the guarantee was found to owe nothing to the property, as should be the case for myself as the guarantor as well. The Transunion dispute number for XXXX XXXX is XXXX, and the notification sent from Transunion that the charge had been removed is also attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I have been trying recertify with XXXX since XXXX. Last year I had asked to be placed into forbearance when I could not afford payment until XXXX until after I filed my taxes " married but filing separate ''. XX/XX/XXXX, I submitted my initial application to recertify after my forbearance ended. I called to make sure it was received and the gentleman I spoke with said yes and it should be around $ XXXX/month. XX/XX/XXXX comes around and then I get a letter I was denied because I did not make a " intermittent '' payment. The gentleman I spoke with initially in XXXX did not mention this. I would have been more than happy to make an affordable payment. I am now told to recertify again. I ask that it be expected due to the company error. They state they will do what they can so I send in my information again. I am now placed into the wrong plan and an even higher payment I started with. They ask me to recertify again. I have do it again- this time they say they did not get it and I am placed into standard plan and I selected that. Even though when I log in it shows that I selected income plan and I have a screenshot stating this. Also, I received an email and I have a screenshot from the company that I am now in " grace period '' until XX/XX/XXXX. Last I checked we are in XXXX!!!! This company is a fraud and does not know what they are doing. I am contacting a lawyer.

Company response to consumer: Closed with explanation