vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a cardholder of Chase Sapphire Reserve credit card, which provides Trip Cancellation/Interruption Insurance. Earlier this year my wife has an accident and had to take a XXXX, thus we have to cancel our family trip which we booked through Chase Travel Portal. Later on we filed a claim with Card Benefit Services who handled Trip Cancellation Insurance for Chase. But it has been 2 months since I started the claim and provided all required document, the case status is still pending, and it is VERY HARD to get any update from them. 

Timeline : XX/XX/XXXX. Booked a family trip ( non-refundable ) through Chase Travel Portal on XX/XX/XXXX XX/XX/XXXX. My wife had an accident. 
XX/XX/XXXX. My wife had a XXXX. The doctor did n't recommend any travel, so we had to cancel the trip on XX/XX/XXXX. 
XX/XX/XXXX. Submitted the claim ( case # : XXXX ) and uploaded certain documents on their website ( XXXX XXXX XXXX ). Card Benefit Service emailed me to ask me to provide additional documents. 
XX/XX/XXXX. Sent additional documents by email to ( XXXX ). 
XX/XX/XXXX. No response. so I re-sent the documents and explanation by email to ( XXXX ) XXXX/XXXX/XXXX. Still no response. So I sent one more email to ( XXXX ), asking about the status XX/XX/XXXX. Got email reply " If you attached documents for your claim, your examiner will contact you within 5 business days. '' XX/XX/XXXX. I updated all the documents again on their website under my claim. 
XX/XX/XXXX. By end of day, claim status still shows " You claim status is pending because the documentation listed below has been requested or we have recently received your document and are currently in the review process. Kindly allow 5 business days from our receipt of any documentation for review to advise you of the next steps. '' Note : Ever since the beginning, Card Benefit Service promise to get back to customer claim within 5 business days after submitting documents. But in my case, they never did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was charged overdraft which I expect.. {$35.00}. But an extended overdaft was charged to me a week later for {$25.00}. Its obviously hard enough to pay it back, why make it harder? I 'm already being charged {$12.00} a month to have the account and the make interest on my money.. what the XXXX are they doing for me to cost me so much money??? Its ridiculous. It 's illegal

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 2017-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I do n't agree with the fees XXXX XXXX is charging to make payments for student loans. The following is copy and pasted from their site on fees for payment : -- -- -- " ONE-TIME OR RECURRING PAYMENT USING YOUR CREDIT CARD. 
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added. 
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added. 

ONE-TIME OR RECURRING PAYMENT USING YOUR DEBIT CARD. 
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added. 
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added. 

ONE-TIME PAYMENT USING CHECKING OR SAVINGS ACCOUNT. 
A fee of {$1.00} will be added. 

All applicable fees will be displayed after you enter your payment information. You will have the ability to review any applicable service fee before you submit your payment. 

You also have several fee-free payment options : RECURRING PAYMENT USING CHECKING OR SAVINGS ACCOUNT. 
No service fees are applicable when setting up recurring payments using your checking or savings account. 

MAIL CHECK OR MONEY ORDER. 
Make your check or money order payable to your school and mail your payment to : XXXX XXXX, Attention : XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. Be sure to include your Heartland Account in the memo section of your check or money order. 

THIRD-PARTY BILL PAYMENT SERVICE. 
You may use your banking institutions bill payment service or a third-party bill payment service. Please note that while there is no payment fee charged by XXXX XXXX, your bank or the third-party bill pay service may charge a fee to submit the payment on your behalf. '' -- -- -- Based on their fee list, the only plausible recourse for making a payment without incurring cost on the part of the borrower would be to enroll into their autopay system, as having checks printed cost money and so does postage. 

The fact that a fee is charged for a using a checking or savings account to simply make a payment is ridiculous. Never have I encountered such a fee. It is simply consumer unfriendly. 

Then, insult to injury, if the borrower is on a quarterly payment system, setting up autopay is not possible online. The borrower has to call them during their business hours and days : -- -- - " IMPORTANT MESSAGE FOR BORROWERS ON A QUARTERLY REPAYMENT SCHEDULE. 
Please note that recurring payments are drawn on a monthly basis. If you are on a quarterly repayment schedule and wish to set up recurring payments that would draw from your account on a quarterly basis, you will need to contact Customer Service at XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
I have no knowledge of this account at all. I sent several letters to company asking them to please remove this account I never authorize, used nor applied for this, I sent several letters asking company to validate this debit as mine, I called Spoke with A representative whom was rude and failed to give me any information other than tell me I better pay for a debt that 's not mine. I 've never received no knowledge of this. I viewed my credit report and this was on there and that 's how I 've gotten knowledge of this account. I sent letters to credit Bureaus asking them to send me what ever information that got about me opening these accounts .I begged them to validate them and send me whatever proof they got .After several months of stress I received nothing in response from the credit Bureaus Nor Company that 's reporting this debit, Not Mine, Not Authorized, no legal contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
We are trying to sell our house. We accepted an offer from XXXX XXXX XXXX and the pre-approval of {$450000.00} was supplied by XXXX XXXX XXXX  written by XXXX XXXX. After two addendum due to issues securing financing we gave them a third try but requested they use our lender. We had moved out prior to closing in anticipation of the first proposed closing date and after the second addendum passed we claimed the earnest money to cover the extra expenses of two payments etc. The entire time they requested repeatedly to move in prior to signing, due various hardships. Then as they walked away from the deal it became apparent that they could n't get the financing due to reported income and what appears to be blatant tax evasion by XXXX XXXX. In fact, the lender we recommended via my broker let it be known the the approval letter should never have been written. It was fraudulent and XXXX XXXX is the brother-in-law of XXXX XXXX. The pre-approval was dated XXXX XXXX 2017 and we accepted it on good faith. If we had let them move in early there is little chance they would have been able to secure financing in a reasonable time frame and I would have unwanted renters and not sure if they would even pay rent. This cost me time and money while eating up the prime season to sell a home. End of summer and they walk away. This needs to be looked into in case they are trying to wiggle into someone else 's home in order to squat with a phone pre-approval by a illegitimate lender approval and cost another seller so much time and money. More details are available upon request i.e. addendums, dates, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
NOT MINE, NO LEGAL CONTRACT, not authorized, no knowledge of this account. I have this negative account reporting on my credit report the account is reporting negative information and the account is saying I had it and its been open for 23 years .If you do the math I 'm XXXX XXXX XXXX today if I opened this account 23 years ago that makes me XXXX XXXX XXXX XXXXCAN YOU PLEASE TELL ME HOW CAN A XXXX XXXX XXXX HAVE A CREDIT CARD IN THE USA.I CONTACTED COMPANY about this several times and They told me I 'm responsible for the account even after finding I was only XXXX XXXX XXXX at the time this account was opened .This is just ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX, 2017 To whom it may concern : My name is XXXX XXXX XXXX and I am currently living at the address XXXX XXXX XXXX XXXX, ca XXXX. I have been corresponding with Ocwen customer care, retention specialist, retention manager, and two escalating managers since XXXX of 2017 to pay my mortgage and become current. In addition to the run around I am fighting a terminal illness and asked Ocwen for help and they have ignored all of my calls for help or assitance in resolving this matter. 

My first correspondence started on XXXX XXXX, 2017 regarding the first wire transfer for XXXX. I was made aware on XXXX XXXX that I needed to recall the funds and change the beneficiary information. The information was verbally given to my banking institution XXXX XXXX XXXX XXXX from the Ocwen associate on the phone on XXXX XXXX, 2017. 

I have been corresponding back and forth since XXXX trying to get the XXXX returned or applied to my account. I have sent my bank statement and two wire transfer receipt with no resolution. I was made aware today that I have a sale date fastly approaching on XXXX XXXX, 2017. I need the XXXX to be applied or returned immediately to avoid me losing my property and my only place of residence. 

Today I am sending the documentation from the bank wire transfers and documentation from my bank on the bank wire recall attempts and wire transfers ignored by Ocwen. Ocwen has refused to release the money back to my account at XXXX XXXX XXXX XXXX. In addition I am also forwarding the XXXX bank statement showing the XXXX was never put back into my account since being resent on XXXX XXXX, XXXX per documentation from XXXX XXXX XXXX XXXX. Also, there is an official letter from my bank confirming the wire transfers and the several recall attempts. 

I would like to have something back in writing in response to this letter. I am currently sending a copy of this letter to my personal real estate law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XXXX XXXX, XXXX, Equifax Inc. announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a vulnerability on a U.S. website application to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers. In addition, credit card numbers for approximately XXXX XXXX consumers, and certain dispute documents with personal identifying information for approximately XXXX U.S. consumers were accessed. 

I went to the Equifax website and ran my information under 'Am I Impacted? '. Based on the information provided, Equifax believes that my personal information may have been impacted by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: LA

Complaint narrative:
debt has been paid in full but still reporting negatively and unpaid on my credit report hurting my credit score .The incorrect amount of the loan is also reporting on my credit report .i mailed letters to company to removed the wrong loan amount reporting & to update my account paid .I never received a response mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: NE

Complaint narrative:
On XXXX I took out a loan of {$200.00}. As of XXXX I have paid back {$260.00}. On XXXX and XXXX of XXXX I tried to pay off the entire loan, but their website would not accept my payment. I tried e-mailing the company on XXXX and received a response on XXXX that basically told me to go on line to pay off my balance. I tried again, and had the same issue. on XXXX the amount to pay this loan off was {$200.00}, and on XXXX, the amount went up to {$210.00}. They tried twice ( supposedly ) and told me that my bank declined the payment. They then told me that they could process it the same way that the bi-weekly payments have been coming out, but that they could not process it until Tuesday, XXXX, and the amount would be even higher. Then when I complained about how difficult they were making it to pay off my loan they told me to call my bank to authorize the payment, but every day that passes, the pay off amount continues to go up. 

This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: The Check Cashing Place, Inc.
State: CA

Complaint narrative:
I went to a check cashing store and they charged me almost {$30.00} to cash my XXXX check that is worth over XXXX.. by law they 're not allowed to charge me more than {$3.00}. The company this took place at was, The Check Cashing Place, Inc Store # XXXX XXXX XXXX XXXX XXXX # XXXX in XXXX XXXX, California. The company ripped me off and I should be reimbursed {$25.00} since they overcharged me. This store is n't the only place where they charge people more than what 's required by law. Please help me resolve this issue. 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 2017-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had experian dispute a foreclose that is on my credit report from XXXX XXXX XXXX in XXXX Mass. XXXX XXXX XXXX certified the information and XXXX  closed the investigation. I have never had a foreclosure in my life. 

I had XXXX dispute a second foreclosure on my credit report from XXXX XXXX XXXX with the same result. 
I have never had any account with XXXX. 
I contacted XXXX and they did research and could not find anything under my name or Social S Number but still they confirmed the information to the credit bureau. This is identify thief!!! But they do n't care. Does anyone?

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 2017-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
To Specialized Loan Servicing / XXXX XXXX XXXX XXXX XXXX, Please verify that there are no other existing versions of the alleged note other than the two you have supplied to us. We desire that there be no more surprises of differing notes.suddenly appearing. If you are holding other copies that are different in any way, shape or form from these two copies claimed to be the copies of original note please send these to us now..We hope for your cooperation 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 2017-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
On XXXX XXXX, 2016 Midwest Recovery Systems reported a collection on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX 

I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. 

I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. 

Furthermore, I was not informed of this bill before it showed up on my credit report. I was not contacted by telephone or by mail with any bill by either party. I was not given any opportunity to resolve the issue before it showed up on my credit report. 

Additionally, I believe that Midwest Recovery Systems has since sold this debt to a second debt collector, adding a second collection for the same fraudulent debt to my credit report. I will be filing a second complaint against the second debt collector. 

I have done some research and found that this company has done the same thing or similar to many other people. It needs to stop. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax was responsible for protecting my data and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/17, person X agreed to send me {$1100.00} dollars to purchase a few supplies for him. He sent me a total of {$1100.00} via the XXXX app. After confirming that the money has been transferred as indicated by " X paid you + $ '' I went out and made the purchase of the items for person X. I checked and saw that the balance went through and so I scheduled a transferred of the balance in my XXXX  account to my checking account. The next day, I notice that the balance did not go through as scheduled. I checked my email and found that my account got frozen with a request for me to send in my driver license to XXXX. '' I called XXXX and wanted to know what was going on. According to the customer representative, the person who paid me made an unauthorized transaction. In response to this, XXXX reversed the transaction and withdrew the balance from my XXXX account. How is this possible? Their website states " Once you make a payment to a registered user the funds are sent to the recipients XXXX balance for them to use. At this time, its not possible to cancel a payment thats been sent to a registered user in XXXX. '' This is obviously not true. it continues " Only in instances when the funds are still in XXXX system, can we reverse the funds with the recipients permission. '' This is also not true. XXXX reversed the fund without my permission. As a result, I 've lost {$1100.00}. The app also says " your withdrawal could be delayed or blocked if we identify an issue. It does n't happen often, but if it does we 'll send you an email. '' This is also not true. No email was sent to indicate that that there was a problem with my transfer. Instead, the only email I got was that my account got frozen without an explanation. I believe that XXXX violated their own policy and is abetting scammers. False advertisement is illegal. I did a simple XXXX search and found that many people are having the same problem, some are reported to the BBB. There are many websites out there specifically highlight this exact problem. I checked their app review on the XXXX store and again, many people are facing the same frustration. This is a class action lawsuit waiting to happen. XXXX must be aware that scammers are exploiting XXXX 's vulnerability but has failed to close this loophole. When you are aware that there is a problem and choose not to fix it, you are legally liable for damages caused by your inaction because your platform facilitated fraud. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
this complaint has already been received by the customer assistance case number.XXXX,,,,, XXXX XXXX XXXX XXXX these people sent me a letter XX/XX/XXXX saying they turned everything over to your company.. and today,, XX/XX/XXXX,,, i was told us bank had till XX/XX/XXXX to respond and they were to send a email to.. XXXX ... ... ... .... i did not receive this email so i would like you to send it again.. thank you XXXX XXXX,, i will call tomorrow

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