vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Starting on XX/XX/XXXX, charges for XXXX XXXX cards starting appearing on my Chase Amazon card. These charges were for either {$60.00} or {$75.00} and it happened 13 times until XX/XX/XXXX. Amazon flagged them as suspicious since I have never purchased such items in the 5 years I have been a customer. Chase Bank opened an investigation and told me it was ruled fraud. I closed the card and amazon froze my account. I thought everything was resolved until I received a phone call this Tuesday, XX/XX/XXXX from someone working on behalf of Chase. I was informed the Bank ruled it as not fraud and I was responsible for the charges. I thought it was very strange and when I searched the number it came up as a scam number. I called Chase and they told me it is them calling. Upon further research I realized that the bank must " sell '' to a 3rd party investigative department who decides whether or not something is fraud. I spoke to Amazon numerous times and they tell me they see on their side that the transactions were marked as fraud and that there is NO record of Chase ever reaching out to them. My concern is my credit getting ruined since I will not pay for these charges and I have worked really hard to have a credit score in the high 600 to now have this ruin it. 

Here is a list of transactions : XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$60.00} XXXX {$60.00} XXXX {$60.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$60.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My Old Navy Credit Card Account with Synchrony Bank was closed with no notification to me. The only reason I knew this happened was due to an alert on my credit report. I was advised It was because my card had a {$0.00} balance and was not used recently. This account closure is negatively affecting my credit report because it decreased the total amount of available credit I have across all cards and decreased the average age of my accounts. This was an account I had for many years. When I spoke to the Bank they advised me there was nothing they could do. I spoke to an account manager named XXXX that showed no interest in assisting me and made it seem like I did something wrong because I was not carrying a balance. Credit Card accounts should not be closed unless there are missed payments or at the request of the cardholder. I want the account reinstated.

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 2020-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account listed below was not done by myself. please delete it immediately.

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 2020-02-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The account listed below was not done by myself. please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX- Contacted all 3 bureaus and Capital One, XXXX XXXX , XXXX XXXX to report fraud. I submitted police reports and identity verification. Disputes were open but nothing was done. 

XX/XX/XXXX- Contacted all 3 bureaus again ( XXXX  , XXXX  , XXXX  ). Verified police reports were received and identity was verified. Disputes reopened. No accounts resolved XXXX and XX/XX/XXXX- Contacted multiple times and opened more disputes. Nothing was resolved. 

As of XX/XX/XXXX- More disputes opened to dispute fraudulent items. Have to wait until XX/XX/XXXX for updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I use a bill payment from XXXX  XXXX XXXX on line bank app, to make payments on my monthly mortgage payment. 
Since XX/XX/XXXX i never miss one single payment, but back in XX/XX/XXXX, i made a mistake of instead order a payment of {$2700.00}, i orded {$2700.00}. ( So {$70.00} short ) As soon i got know what happen with my mortgage payment, i made a payment of what was missed and called the mortgage company to explain what happened and to tell them i had fix the problem because was a personal mistake and not a short money to pay the morgage, since was less the 3 % of the total amount short and there is not sence to pay {$2700.00} and not pay {$2700.00}. 
The company said was fine but 3 day later they report to the Credit bureal miss payment. 
This report make my credit score drop 130 points. 
From XXXX to XXXX. 
I said email to the customer service to try fix my credit score but they return me a answer they couldn't fix because " contractual obligation to make a full monthly payment on the first of each month ''. 
So they don't considerate the fact i had paid around 97 % of my payment. 
I feel this company FREEDOM MORTGAGE has not loyaut to the customer.

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I noticed my Chase Bank account had been used for several unauthorized atm transactions. I called chase and made a claim. Chase reimbursed my money. 2 weeks later chase takes the money back saying they have denied my claim. I call chase several times roughly 15 times to find a resolution. I was informed someone use my card and pin for withdrawn roughly 6-700 . Chase is asking me to prove it was not me which is basically impossible. I've never used an atm 6 times in a row. I've never been to this location. I'm a 10 year XXXX veteran currently on vacation out of country with severe XXXX. This is really stressing me out please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AP

Complaint narrative:
I purchased the car in XX/XX/2019 through Fifth Third Bank with the first payment of {$380.00} due in XX/XX/2019. I am a XXXX XXXX Service Member and received reassignment orders to report to XXXX XXXX in XX/XX/2019 and called the Bank in XX/XX/2019 to set up automatic payments for the car loan. My understanding was that the automatic payments were scheduled for the duration on my tour overseas. I checked my bank account in XXXX and XX/XX/2019 to ensure the car loan payment was deducted. On XXXX XXXX my daughter called me to inform me that my car was being repossessed for nonpayment and after reviewing my bank statement I discovered that the automatic payments stopped in XXXX. I called Fifth Third Bank as soon as they opened the next morning and was informed that the automatic payments were only for 4 months and that the loan was behind since XXXX. 
I never received any notice from the bank that the payments was late and the loan was in default, I did not receive mail, email or telephonic notice to inform me that there was an issue with the automatic payments even though I informed the bank that I would be relocating oversea and would not have telephonic means of communication. The bank states that they tried to reach me on my old phone number, even though I informed them that the phone would not be in service while overseas after XX/XX/2019. The best way to make contact with me is through email or mail and I did not receive any notice from the bank even though I have another instalment loan with the Bank in which I do receive email communication and updates on that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In the last month, I was assessed two {$35.00} fees for overdrafts that I resolved myself within a 24 hour period. In both cases, the assessment of the fee caused my account to remain over drafted even after I fixed the issue within a short period myself. I sent an email to the bank through my account asking about the fees and got a generic answer with no resolution. Why should the fee be assessed if its the only thing keeping my account in an overdrafted status? Further, what is the reason for such a steep fee? Does it cost the bank {$35.00} to have my account overdrafted? I'd like to understand the cost breakdown to justify this fee.

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 2020-02-28 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX- Contacted all 3 bureaus and XXXX XXXX, Home Depot , XXXX XXXX to report fraud. I submitted police reports and identity verification. Disputes were open but nothing was done. 

XX/XX/XXXX- Contacted all 3 bureaus again ( XXXX XXXX XXXX XXXX XXXX ). Verified police reports were received and identity was verified. Disputes reopened. No accounts resolved XXXX and XX/XX/XXXXXXXX Contacted multiple times and opened more disputes. Nothing was resolved. 

As of XX/XX/XXXX- More disputes opened to dispute fraudulent items. Have to wait until XX/XX/XXXX for updates.

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 2020-02-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
RE : Specialized Loan Servicing XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX My acct # XXXX My husband & I borrowed a 2nd mortgage from the above listed lender in the amount of XXXX in XXXX. This was d/t my husband 's near death experience & our massive medical bills. We were able to make a few payments but eventually had no funds to pay for the 2nd mortgage. In XX/XX/XXXX, my husband died suddenly or unexpectedly. I was scammed & mistreated during this period. I put our Condo on the market to be sold. It sold in XX/XX/XXXX. Near closing, I was informed by my attorney 's office, Specialized Loan Servicing company would take XXXX for payment owed. I was perfectly fine with this. But the attorney added, they will also be taking XXXX in interest, and late fees as well. I called the company and my Realtor called to beg this company not to do this, as it would leave me financially distressed. I closed on the Condo and took away XXXX from the sale. I'm a new widow. I'm scared. My husband is dead and gone forever. I'm also XXXX and try to work, but it's extremely difficult. I KNOW this company was informed of my XXXX & financial hardship. I lost. They got their money. I want the media to know this is a Predatory Lender. Don't borrow from them. This is so cruel and unkind. They didn't have to destroy me. I really want ppl to know what they did to me after the recent loss of my spouse. Please help me. I can be reached at : XXXX or XXXX. Please be aware I have contacted XXXX  of Colorado. They are investigating the matter. I have not heard anything specific yet from the XXXX. Thank you. Sincerely, 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 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: ME

Complaint narrative:
On XX/XX/XXXX, I used KeyBank 's online BillPay service to send a check for {$74.00} to XXXX XXXX XXXX. According to KeyBank, XXXX cashed this check on XX/XX/XXXX. However, XXXX  denies ever receiving this check, even after Key sent proof that the check had been cashed. 

I filed a first dispute with Key on XX/XX/XXXX. I later received a notice in the mail from Key that they had closed the dispute because " XXXX had received the payment. '' However, the payment that XXXX had received was from my XXXX credit card, not from Key. ( I had made the 2nd payment to XXXX using my credit card to avoid late fees on my account ). 

I filed a 2nd or 3rd dispute with Key in XXXX. After being told by XXXX between XXXX XXXX and XXXX XXXX that they had researched their records and found that they had never received or cashed the check from Key, I spoke with XXXX at Key on XX/XX/XXXX, who said the dispute " has definitely been escalated now '' and I should see resolution within 90 days. She gave me the call reference no. XXXX. 

When I called several weeks later to check on the status of the dispute, I was told by Key that I would need to visit my local branch to continue the dispute. During a conference call with both XXXX   and Key at my local KeyBank branch on XX/XX/XXXX, it was finally determined that the check had indeed been cashed, but not by XXXX. Someone suggested the check had been stolen from a mail tray at XXXX. I was told the matter would be referred to Key 's fraud department, and I was told I would receive a notice in the mail within 90 days of their findings and what action they would take. 

I heard nothing more from Key after this. When I called the Key 's fraud department on XXXX XXXX, XXXX, to check the status of my complaint, I was told that it was not a matter for the fraud department, and I needed to call Key 's Online Banking department. I did, and was told by XXXX XXXX would have to file yet another dispute. XXXX also told me she had no record of any dispute except for the first one I filed on XX/XX/XXXX. It appears to me that Key is not interested in helping me with this, and that by telling me to file dispute after dispute and to wait 90 days in between, they are hoping I will give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
Owning.com has issued misleading ads. They heavily cite an interest rate and terms ( no closing costs ) and do not disclose that those rates and terms are only available for transactions exceeding {$300000.00}. They do disclose an upper bound, making it sound like all mortgages up to that amount would qualify. My credit and qualifications otherwise meet all of their standards but I did not go through with the loan when they changed the rate and fees on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Enrolled the income repayment plan and Navient told me my payments apply to the interest only. I had a bankruptcy in XXXX because of undue financial hardship, Navient placed forbearance 5 times, I have used up all my forbearance for the 18 years having this loan, which applied over 40,000.00 in interest and fees over this time. Navient took over my loans in XXXX from Sallie Mae. Sallie Mae had my loans since XXXX. They also placed me in forbearance holds and payments applied to interest alone, never principle, accumulating over {$20000.00} in interest alone from XXXX to XXXX. My loan to date is a total of {$230000.00} between my federal loans. This does not include {$30000.00} of private loans with 1 co-signers on two of my private loans, which are also in income based repayment status. I have never defaulted on my loans I believe my loans should have been included in my bankruptcy that happened in XXXX and again when I was part of the public service forgiveness program. This never happened, nothing happened to help decrease this loan because I couldn't afford the outrageous monthly payments they offered me. Instead, I paid towards interest and accrued more interest with forbearance, which has made my original {$120000.00} loan, now a {$230000.00} loan. I am seeking justice against this fraudulent issue and misleading information against Navient and the Universites that placed me in this unfair position with a never getting out of this cycle of student loan debt. In top of all this, I had reached my financial aid limit when attending XXXX Universitys Online XXXX program and could not afford to complete my XXXX after, 2 classes shy of my XXXX   after attending that University from XXXX to XXXX. I didn't retain my XXXX. XXXX University only provided me my transcript after my bankruptcy in XXXX. They held any proof from me attending this school, which I had paid {$100000.00} to complete their online courses with signing financial aid forms and fraudulently requiring to do this in order to obtain my XXXX. The end result is I have no XXXX   and I am swimming in financial aid debt for the rest of my life. I am currently a XXXX XXXXXXXX with an XXXXXXXX XXXX XXXX in XXXX, Texas and homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I got a card from Citi that is advertised as a 0 % interest card on transfer balances. I made one purchase, in addition to the transfer, and they charged interest on it. After that was paid, and all that was left was some of the transfer balance, they charged a minimum interest charge despite the 0 % advertisement. 

When I contacted them, they said that there was a minimum interest charge even on 0 % cards, and that it's not based on the balance. These scumbags need to be put out of business. They're knowingly lying about their rates and trying to XXXX people with small charges that aren't part of their advertising or contracts.

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 2020-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Bankruptcy- showed inaccurate, fraudulent information and accounts, I've attached the two individuals that are under investigation because they used my information, This can be proved further if you do a public records scan on my social security number. I realize that you may get these complaints often but I have verifiable proof and names of individuals that are using my information. I didn't want to get caught up in credit repair scams so it took me years of research to get here. Below you'll see the information that was affected by the theft. 

-bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX {$58000.00} XXXX XXXX XXXX XXXX {$43000.00} XXXX XXXX   XXXX {$44000.00} -XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$0.00} fraudulent inq XXXX 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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
My uncle XXXX XXXX XXXX died on XX/XX/XXXX, and i have been named personal representative by the XXXX County, Michigan Probate Court. There were 2 escrow refunds issued in his name after death by Ditech Financials, LLC, one XX/XX/XXXX in the amount of {$300.00}, which was refunded to the me as executor of his probate estate with a check dated XX/XX/XXXX in the amount {$300.00}. A second escrow refund check was written on XX/XX/XXXX in the amount of {$1000.00}, Ditech now refuses to issue a check or speak to me about a refund, since they have lost all of the communication and authorization after 3 months of inquires, with no communication from them. my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief