vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase has continually mislead me when discussing several things with reps since the day that I opened the account. When I opened my account I deposited a $ 5k+ check and was told that the funds would be available the next day. They were not. It took me calling and speaking to a supervisor and advising them what I had been told, and that this was a violation of The Dodd Frank Act to be told something that is misleading, to get the funds made available.

Consistently throughout the life of the checking account, I have had their reps tell me information that was either completely false, or totally misleading.

As of late, I have had trouble financially due to losing a job and being on unemployment. It was not uncommon for the state to delay funds. Sometimes I accrued NSF fees because of the delays in receiving my unemployment. Generally I would bring the account to a positive balance within 24-48 hours of being charged a fee. If I called in and spoke to a rep, I could get the fees waived. On more than one occasion, I would be told that the fees COULD NOT be waived, but on the same phone call would ultimately end up with someone waiving they fees.

I feel that this practice of telling someone no, but then yes, is unfair and misleading. At what point am I to know when the line has been drawn? And given my financial situation, is it fair to be charging someone such astronomical amounts of money for being overdrawn for 24 hours? Should it cost me {$34.00} per transaction? What kind of interest rate is that?

Above all, when speaking to their reps and supervisors, it is incredible to me, that they are totally unaware of what the Dodd Frank Act is. The last supervisor I spoke to told me that she was unaware of who the CFPB was.

It seems as though Chase, as a company is not concerned at all with avoiding violations of the law. If they dont train their reps or supervisors what a law is and what it does not allow, how can they avoid violating the law?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
the following hard inquiries are fraudulent.XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: U.S. BANCORP
State: AR

Complaint narrative:
the following hard inquiries are fraudulent.XXXX 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 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened account Huntington bank XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX {$8000.00} cashback {$4000.00}. The next day XXXX XXXX {$580.00} was taken by Huntington  for old overdraft fees 2 yrs ago XXXX charged off debt. Upon conversation they knew funds were from disabilty funds.The fees seem unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & A North American Financial, LLC
State: MI

Complaint narrative:
A Summons was filed on XX/XX/XXXX for {$11000.00} from the creditor AMERICAN FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX and was allegedly served on XX/XX/XXXX. Not being aware of the summons filed against me, a Judgment by default was filed XX/XX/XXXX and entered on XX/XX/XXXX for {$12000.00}. Since that time Money has been garnished from my state income taxes and my bank accounts even though the funds were exempt. ( Social Security, XXXX benefits ) Trying to stop them from taking my funds I filed a motion to object garnishment on XX/XX/XXXX and I was denied. AMERICAN FINANCIAL continued to file writs of garnishments to collect my money that was exempt. as a result, I have not filed state income taxes and had to protect money from entering into my bank account out of fear of it being taken by the creditor. On XX/XX/XXXX the creditor filed a Motion for the Judgement to be renewed which expires XX/XX/XXXX. This is a black cloud over my head and has me living in fear. 

Not being familiar with the legal process I thought that there was nothing that could be done until a family member asked me a very simple question. " where did this debt come from? '' at that time I realized that the debt in question was from a company that I never heard of. XXXX Mastercard with an original alleged balance of {$6600.00}. the whole time I was paying the debt thinking it was from something else. After this realization, I filled a police report and wrote a letter to the creditor explaining what happened and I asked for validation of the debt along with my copy of the police report. this was on XX/XX/XXXX. I sent this letter certified mail and I gave them 30 days to respond and they never did. 

This creditor has used aggressive language and preyed on the fact that I was not truly aware of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
When I started College in 2007, I was advised of the Public Service Loan Forgiveness which applied to me as I was working in XXXX XXXX and had for years. My wife who also worked for XXXX also qualified for the forgiveness. As we completed our degrees we combined our student loans and again was advised that we would fall into this category as long as we made our monthly payment without missing any and made this payment for over 10 years. 
Well the 10 year mark came and I filled out the required paperwork and sent it in, only to be denied due to our student loan not being listed as a Direct Loan. I talked to Navient many times without any help. There only comment was I can reclassify my loan into a direct loan so I can qualify for the loan forgiveness and apply for it after 10 years of payments. I called ombudsman for help which didn't do anything. I only was able to talk to one person who apparently got to make the entire decision on my case by themselves. 
I was advised all those years ago from my school and loan people that my wife and I qualify for this program. Now it looks as if I'm going to have to make my student loans for 20 years. I'm now a retired XXXX XXXX and my wife is XXXX from XXXX. I have received no help from Navient or any Feds. I have researched my situation and found that I have fallen into the same category as thousands of people. I was given misinformation from my school and Salle Mae who originally had my loan. I feel cheated and lied too. I followed the directions I was suppose to and never missed a payment. I've paid on my loan for over 11 years now with still no help. I even called Navient to try and work out in paying off my loan if they would forgive half of what is still owed and they said no way. I would like to add my name to the class action law suits against Navient for their false claims and would like any feedback or correspondence regarding my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2019-11-05 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: GA

Complaint narrative:
Anew card was issued to someone from Direcr Express to another person, I did not request this, this person removed y money in the acct. and waited till my direct deposit was put on my acct on XXXX. They made 3 withdrawals from an atm, our card is now closed and theirs is too for fraud. Please help me solve this and try to recover our deposits. Im a XXXX mother with an XXXX XXXX. Please thank for your help ... we only receive XXXX a month, and need XXXX, with paying bills. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with SANTANDER CONSUMER USA. I have never done business with this company. I am not liable for collection from this debt from SANTANDER CONSUMER USA. I am not responsible for this debt with SANTANDER CONSUMER USA. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I made a {$200.00} payment on my credit card on XX/XX/XXXX. For some reason, they have it listed as XX/XX/XXXX. After waiting all weekend for my available credit to update, I called the issuing company on Monday XXXX XX/XX/XXXX XXXX to ask why my available credit has not been updated. I was told that since this was a new account and I paid {$200.00} ( or more ) in 1 payment, my available credit would not be updated for 5 business days. I can understand putting a hold on my account if I was behind, but I am not. This is the first billing cycle.

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 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Presently asking to have the support with the monies in escrow immediately released to present roofing company that performed the work and must be paid and must help me to complete my closing XXXX XXXX to provide a noc termination. My closing is late and monies held against my many requests to release these monies to pay roofing company that has completed the project. Monies are to be released immediately and w my  request to have a copy of this protected escrow agreement is to be respected too. 
I have no copy of the agreement and have asked this many times and asked to be released to the contractor {$19000.00} + {$9000.00} to XXXX XXXX immediately Have been asking to have this completed more than 2 months. This is monies that is insurance monies and the work has been completed and we have been previously asking to have this pretty much 2 months beginning XX/XX/2019. 
The {$6500.00} is to be credited to my payoff to close my loan XX/XX/2019. 
The bank has been holding on to at least {$40000.00} close to 2 years in a protected account and I have asked to have the agreement on the account protected escrow and where has the interest been on this monies. The people at Rushmore Loss Draft keep on pushing me from person to person without any cooperation and have been many times requested to release the payment in to the roofer and to put monies that are above this in my payoff {$6500.00}. This was to be completed XX/XX/2019. 
This is now late and my payoff {$120000.00} was to be completed then. They are holding on to my monies and putting more monies on me and I have asked the to work with me and now my home is in a vulnerable position and they are sending this in to have a court date of my home to be sold on XX/XX/2019. 
Please help this is very serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: WA

Complaint narrative:
In XX/XX/2018 we purchased a Manufactured home from XXXX XXXX XXXX XXXX  in XXXX  XXXX, OR through Triad Financial. This was the only possible way to purchase this home at that time. It is a super high interest rate but we planned to refi within the first year. I even spoke to the Assistant VP/Manager at Triad, who assured me we would be able to refi this loan, no problem. During the past year we have been in constant contact with Triad either first hand or through a mortgage officer attempting to refinance this loan. Triad is refusing to give up the title to the home so it can be eliminated in order for us to refi. We have offered to put up the 5 acres of land we placed this home on as collateral, sign and file any neccessary legal documents of their choice and/or contracts so Triad will still have some sort of collateral during the refi processing time. Our property, with the home on it, is worth more than DOUBLE the amount we owe Triad for the home itself. We owe them $ XXXX  and our appraisal came back at $ XXXX. Triad Financial refuses to work with us on this even though we have the assests and are willing to let them file a lien against the property. Our mortgage lender and us feel they are being lazy and deceitful trying to keep us in this high interest loan. We have spoken to several different banks who ALL agree. This company is gouging the average american and this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
Williams and Fudge employee XXXX XXXX  has called multiple third parties asking if they know me but stated that he does not know me personally. He has called an aunt and a co worker with whom I do not speak to on a regular basis. The debt he is asking about is a false debt, not owed and is an incorrect amount. I am already paying that student loan debt through XXXX. XXXX needs to stop all contact to any third party that he feels is connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: BlueChip Financial
State: DC

Complaint narrative:
On XXXX XX/XX/2019, I contacted Spotloan on their main number XXXX XXXX XXXX XXXX to schedule a payoff of a loan I had taken for XXXX XX/XX/2019. Before I hung up the phone, I asked the agent if they would be taking the monies from XXXX XXXX XXXX XXXX. On XXXX XX/XX/2019, I received a notice from XXXX XXXX XXXX XXXX that Spotloan had tried to take the money from this account, and that they are charging me {$29.00} for non-sufficient funds. I contacted Spotloan on XXXX XX/XX/2019 to find out why. They told me that they would call me back, and never received a phone call. I called Spotloan on XXXX XX/XX/2019 to figure out what happened. First the agent tells me that my phone isn't receiving incoming calls, but I never received a call, and I have no need to block them. Then the agent got my information to verify. They put me on hold to review the account. After a couples of minutes, the agent came back on to say that they reviewed the call and they wouldn't help me because I didn't specify the difference in banks. The agent told me that the bank on file and the bank I wanted the money to come from were the same because they were both credit unions. The agent stated that since I didn't specify the bank that they will not help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE ARE TWO SPECIFIC ACCOUNTS UNDER XXXX XXXX XXXX THAT IS REALLY OBSTRUCTING MY LIFE WHEN IT COMES TO WANTING TO PURSUE CERTAIN GOALS THAT I NEED TO ACHIEVE IN MY LIFE. THIS ACCOUNT WAS OPENED ON XXXX OF XXXX AND BOTH ACCOUNTS DISPLAY THE FOLLOWING BALANCES : {$4200.00} AND {$3300.00}. THESE ACCOUNTS ARE REFLECTING 90- DAY LATE PAYMENTS. I HAVE BEEN ATTEMPTING TO GET THESE NEGATIVE ACCOUNTS REMOVED FOR GOOD FROM MY CREDIT REPORTS SINCE XXXX OF XXXX AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. YOU HAVE NO IDEA HOW BALDY THIS IS AFFECTING ME WHEN IT COMES TO CHOICES I NEED TO MAKE. NEITHER EQUIFAX, XXXX NOR XXXX HAS DONE ANYTHING ABOUT THIS AND I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. I DEMAND TO KNOW WHAT IT THE MEANING OF ALL OF THIS. THESE ARE REALLY AGED ACCOUNTS AND I HAVE REALLY DONE MY BEST AND WENT OUT OF MY WAY TO GET THIS ALL FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report please. I called police and got contact with FTC. These are the items I need help removing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is the XXXX XXXX credit card issued by wells fargo. 
Someone took this card that i haven't used in a year and went on a shopping spree. I have no clue where it is and I thought that this account was closed last year.

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 non-monetary relief
Consumer complaint received 2019-11-05 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: IN

Complaint narrative:
I am applying for the XXXX company but in the XXXX I get that I had a car accident which is not easy is a fine for walking without the physical license and I also pay it I have a copy of the receipt that they pay it I can provide them but I get as an accident not as a fine and that's why I am not approved in XXXX

Company response to consumer: Closed with explanation