vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to you with the request for help in recovering {$50000.00} that was stolen from my Chase checking account. 
On XX/XX/XXXX I noticed unfamiliar charges on My Chase bank checking account from some unfamiliar XXXX accounts and I has called the Bank and XXXX and reported the problem. 
The unauthorized transactions started from XX/XX/XXXX until I noticed it on XX/XX/XXXX. 
Total of approximately {$50000.00} was stolen from my checking account via multiple XXXX transactions where the amount was gradually increased from {$15.00} to {$3900.00}. I am attaching the list of all fraudulent transactions. 
I filed the claim with the Bank and they refunded me just {$2900.00}, the amount that was stolen within 60 days from when the transactions started. This amount was obtained by the Bank by reversing those XXXX transactions that were made within 60 days from beginning of fraud. I am attaching the letter from the Bank. 
I filed the claim with XXXX, and they found that a female person in US used her XXXX account and somehow got access to my Chase checking bank account and used her XXXX account to steal money from my Chase checking account. 
XXXX told me that they are willing to return all stolen money as soon as Chase will send a request for it. Specifically, XXXX is asking that Chase reverse all remaining transactions that were made from XXXX, i.e. charge the XXXX back. 
But Chase refuses to reverse the transactions that go beyond 60 days. 
As a result I can not get my remaining {$47000.00} money back. 
These money is my lifetime saving and it is critical to me to recover them. 
I looking forward for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed the balance on my XXXX XXXX  XXXX credit card. The bank over charged me with their error and are refusing to fix it. So I disputed it. TU didn't act as if they investigated even though I sent a mountain of info with all of my statements and a letter detailing the issue. They treated it as any other frivolous dispute and ignored it leaving the info unchanged. It's inaccurate and I want it fixed! I'm not accepting their response. The balance is wrong, XXXX over charged me with interest and other fees for their error. The item should've been cleared with all of the payments I made. One of them fairly huge! They ignored it so they could double charge me for the item doing a bait and switch so they could earn double interest. They tacked on back interest and have refused to correct it. I suspect I will end up having to sue them when I get the balance lower. I refuse to pay the add on costs period. Their account is in dispute as far as I'm concerned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX I was solicited the opportunity to request disaster forbearance on my 2 mortgages with Chase, Loan # 's XXXX, XXXX, due to hurricane XXXX in XXXX. At that time I clearly asked what the program consisted of, and how it worked. I was told that due to the disaster, and this program that if I could NOT pay the monthly payment amount would NOT have to be paid for 6 months, and that any payment amount NOT paid would be deferred to the back end of the total loan payment amount to be paid in the form of a balloon payment. It was also stated that NO interest would be charged to that amount at time of payment, nor would ANY late payments be reported to ANY credit reporting agencies.XX/XX/XXXX, I am sent a very confusing misleading letter ( attached ) soliciting me stating : The disaster relief we provided ends on XX/XX/XXXX They are checking in to see if I'm ready to resume making my regular payments, again.They 'll move the past due payments of principal, if any, and interest to the end of the loan term, and change my payment date. the deferred amount will be due in one payment at the end of my loan term via a balloon payment.To take advantage of the offer by XX/XX/XXXX I would need to my regular monthly payment by XX/XX/XXXX, ( which I did NOT do ), and accept this offer by calling them ( which I did NOT do ). Now they are telling me that my payment is due for XX/XX/XXXX, and XX/XX/XXXX which it is NOT, in accordance which what the disaster forbearance program consists of, and what has been misleading, and misrepresented by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I was issued a 37 month personal loan by XXXX XXXX for the amount of {$1700.00} in XX/XX/2017. The current remaining balance is {$1500.00}, Ive been making payments of $ XXXX monthly for 11 months ( on time ). The interest rate on this loan is astronomical, I signed up for a 37 month loan and at this rate it is going to take over 120 months to pay off. How can one term of my loan so heavily contradict another? Is this legal?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: Financial Management Solutions, LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX for {$3300.00}, never had apartment here. Disputed it, and it still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have another case on file that was submitted and its the same issue. I asked my credit card company to explain how my interest fee was calculated for the month. I used my daily periodic rate and my average daily balance, and I could not find out how they come up with their amounts. I called customer service and they didnt know either. I followed the explanation on my statement on page two, still couldnt figure it out. I would just like to know how they got their figures. I called XX/XX/2018

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 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX has a huge problem that needs to be corrected. I've contacted them at least three times and it continues. They have refunded this small amount each time but it's abuse that needs to fixed. I have many credit cards and they in my opinion are predatory in nature hoping a {$2.00} charge will possibly turn into a {$35.00} late fee etc.

An example is they send a bill for lets say {$130.00}. I pay the {$130.00} well before the due date and they cash the check. They post the payment, show it as " on time '' and then send another bill for {$2.00}. This is not only insane but illegal. If you pay the balance in full before it's due that's it! They send these bills hoping you'll either pay it or they can get additional fee income with late fees. Can you say XXXX XXXX? I have already contacted an attorney and have documents stating they've done this on multiple occasions. No other card sends a bill after payment in full before due date. I've spent way too much time and this is on principle as XXXX XXXX  is taking advantage of people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
The initial loan amount borrowed by me on XX/XX/2007 was {$7800.00} to pay for school expenses while I was pursing by XXXX at University XXXX XXXX  XXXX County. The lender was Sallie Mae and this debt was transferred over automatically to Navient. ( without me doing anything ). I was told Navient would be serving my loan going forward. 

It's my understanding I signed up for fixed rate of anywhere from 6.75 % to 7 % originally with Sallie Mae. I was told I would get a .25 reduction interest rate if I signed up for autopay. This never happened and I called Navient but they said it was already applied. ( not true ). In fact, they decided to increase my interest rate to 9.25 % stating that I signed up for a variable rate. I am not too sure about this and complained to Navient. They said they looked at my agreement ( which I don't have a copy of anymore ) and it's a variable rate. I am pretty confident I never signed up for a variable rate.

Further, I have paid close to {$7900.00} over 7 years and my loan balance is still {$8300.00} roughly. That simply doesn't make sense. How can {$7900.00} worth of payments not make a single dent to the loan balance? Instead, my present balance is {$8300.00}. Things didn't make any sense so I refinanced with a new lender named XXXX. However, I think the damage has already been done by Navient. Can you please investigate to make sure I'm not a victim of predatory lending?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My life has been turned upside down.

Last year on XX/XX/2017, I notified Trans Union of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My life has been turned upside down. 
Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
My life has been turned upside down. 
Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
Security finance is showing two missed payments on my XXXX credit report. I never made a missed payment. I went directly to security finance and they say they are not reporting the missed payments and they would contact XXXX and let them know its an error. I didputed the error and XXXX said it was verified as accurate. A simple phone call to security finance would clear this up. I'm sure no investigation ever took place. This erroneous misleading information is negatively effecting my life. I cant get credit and when i do try I'm charged higher intrest rates for an error that should have been properly investigated. This violates my rights as a consumer and is highly unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Im just a Co-Signer on the contract and basically its my dads car. He is not able to pay the XXXX XXXX which negatively affect me. I was wondering if they could just remove me from the contract as a co-signer and just solely put the contract to my dad

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The day of XX/XX/XXXX XXXX my insurance payment had gone through which over drew my account, that payment was {$160.00} and some change. I called the bank the next morning they said if I had the money in by XXXX I would be fine. During the day of XX/XX/XXXX, I worked all day to cover those funds. During that day I spent more money on gas {$25.00} and some change and also some food ( two charges ) Knowing I would also cover these charges. Before XXXX I covered the insurance payment. I also covered all the other payments. By the time I ended work that evening my account was in the positive amount. 
The next morning I woke to three insufficient funds, charges from the gas amount and two food purchases. Even though my account was in the positive. I called headquarters and the man was saying stuff that didnt make since, even though he clearly admitted seeing my account was in positive the night before. He kept saying some excuse, was actually unfriendly. He wouldnt help me. I then went to my local branch and they wouldnt help me either. Now my account is {$100.00} in the negative, from three {$34.00} insufficient funds. 
That day XX/XX/XXXX I had to get more fuel for my car. I spent {$45.00} on fuel and again I made money to cover that amount before XXXX XXXX. And had deposited in my account. Then the next morning they added another insufficient fund to my account totaling 4. I stopped using the account and putting money into it because I cant afford to pay off these fees, my money needs to go to things that are needed. Also this incident is messing up my scheduled automatic payments that are starting to roll in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 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: CA

Complaint narrative:
I have been a victim of identity theft. I had my information stolen by my siblings and abused my information repeatedly, burglarized my home 2 tines within 4 day 's, called me and made threats, I currently have a domestic violence protection order out to prevent further contact with me. However this has done nothing, I'm to the point where I legally want to change my name and ssn to protect myself. I even went as far as applying to be a police officer due to the fact that ssn will not help me right away. I have sprint bill, credit ( s ), cable, and collection 's in my name that I was not aware of. I want them removed if possible so I can Atleast function normally at work, I really don't feel safe or protected by anyone I seek help with. I get the run around and thousands of phone calls from debt collectors everyday 20 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This co. chose to take on an account that they were lied to about stating that it was in collections. They bought the account but never ever contacted me to tell me it was in collections. They just decided to place it on my credit without my knowledge. Now it's time to rectify the error they made and remove it. I didn't know this was on my credit until I got a copy of my report based on another dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX is showing two missed payments on my Equifax credit report. I never made a missed payment. I went directly to XXXX XXXX and they say they are not reporting the missed payments and they would contact equifax and let them know its an error. I didputed the error and Equifax said it was verified as accurate. A simple phone call to XXXX XXXX   would clear this up. I'm sure no investigation ever took place. This erroneous misleading information is negatively effecting my life. I cant get credit and when i do try I'm charged higher intrest rates for an error that should have been properly investigated. This violates my rights as a consumer and is highly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have repeatedly asked this credit collection company - Portfolio Recovery for proof of this account being opened and charges being made. I asked for a copy of the credit application & copy of signed receipts. They agreed to provide these items, but even after waiting for over 90 days they were unable to provide any proof other than two statements with a balance forward on them. This is not my account, it is over 5 yrs old and I have called the collection company more than 7 times trying to rectify and yet they still have not removed the collections account from XXXX or XXXX. I even spoke to their dispute dept. who informed me that they do not have a credit application, credit receipts or anything that they can provide me with that would indicate that this is my account. What else can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This company called XXXX is reporting erroneous information on my credit report. The information they provide month after month is unverifiable and misleading. I have disputed several time with the same results. Verified by furnisher. Experian is the only credit bureau still reporting this incorrect unverifiable information. XXXX and XXXX  removed this after investigating my dispute. The company has several misleading details about my account. For starters they have the monthly payment wrong and the terms of the agreement as 185 months. Thats over 15 years on a 2000 model vehicle that was sold without notification of when and where. Mortgage payments are 15 + years. This is unverifiable and damaging to my life.

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