vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I had a payment to XXXX for {$210.00} on XX/XX/XXXX. My Checking account balance was around {$160.00}. I also had {$50.00} in my savings account. I already had overdraft protection on. I know for a fact that since I didn't have enough money in my checking account to pay it that my savings would cover the difference. And it went through because I saw that the payment was successful and I had a checking balance of ( around ) - {$6.00} and a savings balance of {$1.00} ( I transferred the {$1.00} to my checking as well ). That same day I checked my balance and went to a chase bank to deposit {$5.00} so that I wouldn't have to pay the insufficient funds fee ( Its for a balance of less than - {$5.00} not {$0.00} ). I woke up this morning ( XX/XX/XXXX ) to {$48.00} in my savings, a {$34.00} insufficient funds fee, and - {$85.00} in my checking account. I called Chase, and the lady said that she would try to process the waiving of the fee but no guarantees ( did not process ). She said it was out of her hands and I asked to speak to someone who did have the responsibility/position to help me. she said that she couldn't. This is the second time that I've had to file a complaint against Chase. I had to wait 6 months just for Chase to credit me for shoes that I returned to XXXX.If I have to file again, I'll want more than an apology.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have a credit card from TD Bank.Statement issued on XX/XX/2019 of this credit card had a credit balance of {$2.00}. I called this bank & request a check for {$2.00} on XX/XX/2019.I did not receive any check from this bank till today. Although, I called several times after XX/XX/2019, but no good luck in getting my credit back from them Customer service of this bank was very bad. They do not have any respect for customer.I am very frustrated with their customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including Capital One. 

XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including Capital One. 

~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT Capital One. Several follow up calls later and they still would not resolve this issue in my favor. 

XX/XX/XXXX : Capital One sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX and XXXX PA ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. 

XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. 

XX/XX/XXXX : I received another letter saying they had contacted Capital One and they have verified the debt as legitimate. 


Capital One is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: F&L Marketing Enterprises LLC
State: VA

Complaint narrative:
I opened a payday loan with XXXX XXXX Loans at the XXXX  XXXX location. The Loan was opened on XX/XX/2018 for {$750.00} at 299.000 % and my loan number is XXXX. Due to going into overdraft on my accounts- causing major household bills payments to bounce for insufficient funds. The representatives will call 3 to 5 times daily and has called my place of employment several times, even though, I specifically asked them not to call due to my employers guidelines. This information was notated on my original application and in person to the representatives. I have paid to date {$650.00} towards this {$750.00} loan and still have a remaining balance of {$820.00} from the original {$750.00} loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Some one using my personal information to open an online credit card. 

THIS IS BEEN HAPPENING SINCE XX/XX/2018. 

THERE ARE THERR ONLINE APPLICATIONS. 

WANT SOME ONE TO STOP THIS FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I checked my annual credit report that I get free and noticed a company called XXXX on the report. This was around XXXX of 2018. I sent a letter certified to XXXX at their location in XXXX, Fl that was on my credit report. I asked for verification of the debt as the company they had listed I had never done any business with nor owed any debt to. I asked them to send me details such as a contract, invoice, statements sent and any verification the company took to verify and the person 's identity as I am sure this is not my debt. I received a letter back about a month later stating they had verified the debt is valid and then they started to send me invoices and statements. They never sent me any proof other than they deem the debt valid with nothing of substance. 

On XX/XX/XXXX I sent yet another certified letter demanding proof they had the right person. I asked for a contract showing they had the right to collect the debt on the company they are portraying to be collecting on behalf of and if they have rights to collect in my state. I also asked yet again for any proof that the debt is valid. 

Contract or Agreement of the debt identification used to verify said persons identity anything showing the debt is valid and belongs to me and not someone else

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 2019-02-06 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I had an auto loan with Ally Financial that I was a joint account on with my girlfriend. In XXXX of 2018 I filed for Chapter XXXX and was discharged in XXXX of 2018. During the time of Bankruptcy, Ally financial reported 30 days late for the month of XXXX, XXXX and XXXX. By bankruptcy law, th account is granted an automatic stay which means they may not continue to report anything on the account. I did not reaffirm the debt but was given the option to continue making payments on the loan but it would not affect the credit. We sold the car in XXXX but I have asked Ally to remove the late amounts as they were 1 ) not infact 30  days late and 2 ) were not allowed to report any reporting on my credit.

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 2019-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a loan through TD Bank for my business. The loan is backed by XXXX. When we did our business plan we asked for {$50000.00}. They only allowed us {$25000.00}. when we finally received the loan, which took forever, renovated the building and then applied for XXXX two common license us. From XXXX, when we got the loan until XXXX XXXX did not come out. XXXX took 5 months to give us our license. it only takes 45 days to become licensed. XXXX fired the lady who did this to us but, we are still in a bad situation. We ask the bank to increase our loan and work out a repayment with us. But they refuse to connect with us. speaking to other lenders, they said that this Bank did I said end justice anyway. Now we are requesting for more funds and to work out a different payment arrangement. We have now become behind on our rent by {$3300.00}. TD Bank should be made responsible for answering consumers questions and making sure that they are knowledgeable of what they're doing. The reason it took so long for us to get our loan is because they kept telling us we were approved and then telling us that they need additional paperwork. My loan officer kept saying she didn't know what she was doing. I feel like they shouldn't have new people in that position if they don't know how to do the job

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
PennyMac loss draft department has routinely failed to make my insurance settlement FUNDS THAT I FOUGHT HARD TO GET A FAIR SETTLEMENT available to me to get my repairs done. When I call the loss draft department I speak with rude, loss draft department personnel with attitudes who drop calls and refuse to transfer me to management and instead place me on long hold times well over an hour in length without resolution. They are illegally holding MY MONEY for repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I took my XXXX to the dealership ( XXXX XXXX ) on 4 separate occasions during the months of XX/XX/XXXX - XX/XX/XXXX. Each time they indicated they had repaired my vehicle. However the check engine light continued to illuminate after I would leave the dealership. 

The Operationa Manager ( XXXX XXXX ) promised me a refund in XX/XX/XXXX ; however the {$810.00} never credited to my account so in XX/XX/XXXX I disputed the charge. 

The {$810.00} should not be paid to XXXX XXXX because they never repaired my vehicle and they tied to induce me to spend an additional {$2500.00} to make other repairs. After taking my vehicle to XXXX XXXX ( XXXX XXXX ). They made the repair for {$450.00} and its been 2 months and the check engine light has not reappeared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I am attempting for over six months to resolved and complete my consolidation with Pheaa on loans from XXXX. I have been even trying to escalate the issues with management and the issue is still being research despite filling out and providing proper documentation multiple times. ( 4 and 7 times filling out requested forms and sending proof of error on their part. ) Neither company is doing their part to resolve the issue. The consolidation application was filled out in XX/XX/XXXX. As of XX/XX/XXXX the issue is still not resolved. I have had to endure rude representatives and obnoxious managers that refuse to actually do their jobs and resolve the issue. I just keep getting call them they didn't do. They just try to pass it off to the other company and one person from XXXX actually did something to get me an answer, but then neither company is actually fixing this issue. Its a consolidation so I can proceed with my public service student forgiveness and set up the payment arrangements. They are holding me up from finding cheaper housing so I can actually pay them. This is beyond poor customer service they are lying to get out of doing their job, they are refusing to adhere to my right to consolidate and now completely impeding on my life. Can you refer an attorney because they need to be sued?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: KEYCORP
State: GA

Complaint narrative:
fraud acc report my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: ERC
State: TX

Complaint narrative:
Received a credit alert that XXXX XXXX XXXX  files a major Derogatory on my credit report. We have not requested service from this company, we have no record of an agreement, nor have we received any information via mail or email. This has dropped my credit score over 50 points. I am requesting that this be removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
In early XX/XX/XXXX, I co-signed for a Parent Plus Student Loan ( XXXX XXXX ) I was told by the financial aide at the school that this was the only way to ensure my daughter would be able to continue her education. I had given the school {$10000.00} upon her enrollment. The 1st loan ( {$7300.00} ) was completed over the phone ( XX/XX/XXXX ), I was told it was recorded for verification. I agreed to pay interest only on that loan. To date Ive paid approximately {$3400.00}. During this same period my daughter was given an unsubscribed loan from XXXX  ( {$5400.00} ), even though I was told she could not qualify for this. The next Parent Plus Loan was on XX/XX/XXXX ( {$12000.00} ). I was never notified, called or was aware that this took place until XX/XX/XXXX. The discovery was brought to my attention upon graduation. I went to the school and met with Dean of Students, Financial Director and Student Advisor. Together we went over my daughters ledger. That loan was supposedly authorized by me and I allegedly agreed to defer interest. That never occurred. During this same period she was given another personal XXXX Loan ( {$3000.00} ). The 3rd Parent Plus Loan was on XX/XX/XXXX for {$2900.00}. I was called an again agreed on phone to interest only on a recorded line. To date Ive paid {$1000.00}. This loan is not anywhere on her ledger sheet, Ive repeatedly asked for XXXX XXXX to investigate all inconsistencies stated above. I was told this was my problem and to go to school to straighten this out unfortunately the school is closed. 
During this same time XXXX gave my daughter another unsubscribe loan for {$3700.00}. XXXX XXXX has threatened me to charge my daughter with fraud, and for me to call the police dept. Ive asked them to put the matter on hold until I could try to gather information. They have ignored my requests and reported my late payments to Credit Bureau. This is unfair and not necessary. Once I began my research Ive discovered that the XXXX XXXX of Michigan and XXXX XXXX have numerous law suits for these practices. Ive retained legal representation for these matters. We have not filed any actions as yet. I was also told by the school that their XXXX XXXX loans were competitively priced. # 1 is at 9.75 % # 2 is at 11.00 % # 3 is at 9.25 %, far from competitive. Ive attached a recent letter I sent to XXXX XXXX via registered mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
I reached out to my bankruptcy attorney worried that I was falling behind with my payments he told me to start making the payments & if I needed to include the mortgage in my bankruptcy then we would do that we just had to wait for Flagstar I started sending the money orders and last month I got them back with a letter telling me that my loan is not active with Flagstar Bank - I then received a call from my attorney at the XXXX XXXX in Wisconsin on XX/XX/19 they stated that Flagstar told them that I stopped sending the payments in XXXX, also my attorney verified that I was sending the payments to the correct address that was listed on the bill which I have also included here. Around this time I also got a manilla folder from there attorneys XXXX XXXX XXXXXXXX which I have included in this complaint.

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 2019-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have two hard inquiries ( both on XX/XX/2019 ) from XXXX on my TransUnion report that took place prior to my eighteenth birthday, so there is no way the inquiries could have been me. I contacted them and the professional directed me to file a complaint here.

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 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2019 I logged into my EXPERIAN account to unlock my 800+ credit report so I could complete a home improvement purchase. When I got into my account and clicked on unlock report, it did unlock, and then I saw there was a FREEZE on it also. I do not understand what or why that was there. Then I tried to UNfreeze my report and when it asked me for a pin # which I could not find and when I clicked I did not have it, the page said I need to WRITE by MAIL to them to unfreeze. That is and will be unacceptable to me. Again I had a business transaction going in my home and this outfit is " holding me up ''. I then tried to call a real human to get assistance and I tried a couple of numbers and got an identical robo voice with no assistance. The next day I tried to login and wow, I would use my username and password and get onto their site and the only page that would show was one wanting my credit card for {$19.00} a month. 
That made me contact you. Now I feel as thought I am being EXTORTED for money to unfreeze my report. And, please recall that these LOCKs etc. were suggested by these credit outfits because they got hacked and released personal information. What I want is my report unfrozen and to never have this happen to anyone else again. Please fix!

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 2019-02-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Please note on XX/XX/XXXX I opened up a 13 month CD with Synchrony Bank at 2.65 %. for {$1.00} million. On XXXX XXXX I noticed the bank was offering 2.75 % for a 15 month CD. I called Synchrony on XX/XX/XXXX and spoke to " XXXX '' at XXXX and asked her if I was able to change to new 2.75 % 15 month cd without a penalty. She said yes because i was within the '' 7 day grace period '' This phone conversation was recorded. I recently received my XXXX interest statement and noticed Synchrony charged me a {$500.00} penalty for early withdrawal. I called Synchrony and spoke to a Supervisor XXXX XXXX at ext XXXX who said XXXX was mistaken even though she did say there was no penalty on the recording. I escalated this to a District manager XXXX XXXX in XXXX Kansas on XX/XX/XXXX and he said the bank made a mistake and " XXXX " was wrong but the would not refund my {$500.00} Penalty.. P ; ease help me obtain a refund of my penalty..If I was advised there was a penalty I would not have changed CDs. Thank You

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