vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I tried to withdraw {$200.00} at ATM at Chase Bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY location ( XXXX ).  No cash was dispensed. I thought I may have pressed " cancel '' button so I tried again, and this time I received {$200.00} ( I used the same ATM machine ). Then I checked the transactions and found out that I was charged twice ( {$200.00} X 2=XXXX  ) even though I only received {$200.00}. As I could not find any bank employee nearby, or there was no intercom, I went downstairs and talked to an employee at the customer service. He dialed and handed me the phone to file a claim. I was told that the {$200.00} will be refunded within 48 hours, which did. 
In XXXX, I received a letter saying that the bank did not find any flaw in the system and will take back the {$200.00} they refunded to me ( this was done on XX/XX/XXXX ). I was very surprised and went to the branch on XXXX between XXXX and XXXX XXXX ( XXXX ) on XX/XX/XXXX and talked to an employee there. He called to find out why I did not get my money back, and told me there was nothing I could do as the investigation was completed and the bank found nothing wrong with the ATM machine. He said even if I file a claim again, the same thing will happen and I won't get my money back. He did not offer any further help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX XXXX XXXX spoke with XXXX MSL # XXXX on XX/XX/2018 and he stated Navy Federal Credit Union would remove the credit hard inquiry from my XXXX, XXXX, and XXXX  Credit Report since it is not reporting in Navy Federal Credit Union System. 
XXXX XXXX XXXX did not authorize Navy Federal Credit Union to make any Hard inquiry and view his credit report. It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumers credit report. Demonstrate that the hard inquiry for Navy Federal Credit Union dated XX/XX/2018 met this requirement, pursuant to the Act. 
Please delete Navy Federal Credit Union hard inquiry from my XXXX, XXXX, and XXXX  credit report immediately that Navy Federal Credit Union maintain under XXXX XXXX social security number without my permission. XXXX XXXX would like confirmation letter that Navy Federal Credit Union has removed and deleted this hard inquiry with XXXX, XXXX, and XXXX credit agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We purchased our primary residence at XXXX XXXX XXXX XXXX,  XXXX XXXX, MA XXXX for {$470000.00} in XX/XX/XXXX through a primary mortgage loan and second provided by Well Fargo. Even with the sharp decline in property values in XXXX, in the intervening 10-year period the property has never appraised for more that {$350000.00} through at least 3 other independent appraisers. Consequently, we can not refinance the house through any alternative lender ( even through the VA ) since, after making payments for over 13 years, the outstanding balance is {$370000.00} and at an exorbitant interest rate of 6.875 %. We have contacted Wells Fargo two ( 2 ) times requesting a refinance ( combining both the {$300000.00} primary and {$71000.00} second into a single 15-year mortgage or simply refinancing the first at a lower rate ) but, they are unwilling to make any changes or amendments. We are of the belief that Wells Fargo artificially inflated the appraisal in XXXX and now, through interest rates that are double the current rate and due to a fraudulent appraisal, they are unwilling to provided us with any recourse or alternative due to their deceptive lending practices. Additionally, these practices and timelines are perfectly consistent with the issues surrounding a {$2.00} XXXX fine wherein Wells Fargo artificially inflated applicant 's incomes ( they must have inflated ours to qualify for the fraudulently inflated appraisal amount ) and XXXX XXXX fine from you and the Office of the Comptroller of the Currency ( wherein Wells Fargo inflated the appraisal in order to collect additional fees based upon the higher property value ). I hereby request the assistance of the CFPB in helping us resolve this issue with Wells Fargo.

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 2019-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In XXXX, Navient reported me as 30, 60, and 90 days late on my account. I filed for a loan consolidation and a repayment plan. I have submitted my paperwork approximately 5 times now, but every time I turn around, they say the never received the paperwork and that I'm hundreds of dollars behind on my account. 

They either put my account in forbearance or deferment instead of getting me on an affordable payment plan. At this point, I'll never be able to repay all of my loans because of the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened a new checking account with XXXX XXXX, and entered the promotional code XXXX when submitting the application, in order to receive {$200.00} bonus as advertised ( the ad will be attached below ). 

The requirements to receive the {$200.00} bonus are, as quoted, " You must have an opening deposit of at least {$300.00}, and at least one direct deposit must post to your account within 60 days of account opening. Opening deposit can not be transferred from existing XXXX XXXX accounts. If you meet the stated requirements of this promotional offer, the {$200.00} bonus will be credited to your account within 6 weeks of the first direct deposit ''. 

When opening this new account, I did make an initial deposit of {$300.00} from a non- XXXX XXXX source ; and starting XX/XX/XXXX, I have {$100.00} of my paycheck directly deposited into this account on a biweekly basis. I believe I have met all the requirements, but as of XX/XX/XXXX, which is over 6 weeks after my first direct deposit, I still did not see the bonus credit posted. 

So I sent the bank a message for inquiry, and received their reply on XX/XX/XXXX. They denied that I have had a valid promotional code entered upon creation of the account. This is unacceptable so I decide to file this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I originally applied for the Chase Sapphire Reserve ( CSR ) in XXXX of XXXX. I tried applying Military Lending Act ( MLA ) fee waiver after I applied. It was denied since Chase did follow MLA at the time. I paid for the annual fee for the first time. In XX/XX/XXXX, Chase approved a new policy stating that all new account holders would get MLA applied. I tried getting it applied but since my account was too old, I did not get it. I was told to close my account and retry in XX/XX/XXXX when I could apply for a new account and get the benefit applied ( I also paid for the second annual fee ). In XX/XX/XXXX, I product shifted my old account and applied for a new account. It was denied since Chase changed the rules. Now I have to wait for 4 years to get a new account. I talked with the military chase representatives and application representatives, but they said they could not do anything. So I switched my account back since that was all they could do for me. So I had to pay a XXXX annual fee for the 3rd time since they keep changing the rules. I feel like they are changing them to avoid waiving my fee. With MLA, I should not have been charged the annual fee for the second and third time. This totals XXXX dollars and I will probably have to pay the fee again in XXXX for the fourth time ( XXXX per year ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc.
State: NY

Complaint narrative:
I received a call from RMS Recovery Management Services on Thursday XXXX XXXX. The female who called said I had to pay at least {$50.00} a month on the account. I had previously advised them that I could only pay {$20.00} a month. She refused to re-set up direct withdrawl monthly unless it was {$50.00} a month and would not help any further. I tried to set up the automatic monthly payments online, Again, it would only allow me to do so with a monthly payment of {$50.00} a month. Sounds like to me that she gets a commision if {$50.00} a month is paid, not {$20.00}. 

The reason it went to collections from XXXX XXXX was that, I could not afford the {$50.00} a month. If I could, then it would not have gone to collections. It was supposed to be taken care of by a student loan but I dropped classes and did not realize that would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am being trafficked for debt bondage. I do not owe this purported creditor.

XXXX XXXX XXXX  Account # XXXX was reported to XXXX as being a mortgage. XXXX XXXX XXXX  also reports it is a Real Estate Type of account and the account was transferred to another lender or claim purchased.

Require XXXX XXXX XXXX to provide the loan documents involved in this account which was opened XX/XX/2005. Include the information regarding the purported construction loan attached to this account and the transfer to another lender or claim purchased. State specifically who it transferred this debt to ( name the lender ) or the party that purchased the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: GA

Complaint narrative:
There are several items reporting on my credit report that does not belong to me. These items are reporting as a result of identity theft. The following items are not mine : XXXX XXXX/XXXX  XXXX - Opened XX/XX/2017 Incorrect Addresses : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX Credit 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 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 explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: WA

Complaint narrative:
I received an invoice date XX/XX/XXXX from an ambulance company, XXXX XXXX XXXX, in the amount of {$200.00}, for a patient named XXXX XXXX XXXX. On XX/XX/XXXX, I sent a letter to XXXX stating that I don't know anyone by that name, that I am not responsible for that person 's bills, and that I had never been transported in any XXXX ambulance or received any other services from XXXX. I never received any response from XXXX, other than additional copies of the bill and a threatening " PRE-COLLECTION FINAL NOTICE '' dated XX/XX/XXXX. I received a notice dated XX/XX/XXXX from a debt collector, XXXX XXXX XXXX XXXX, demanding payment of the XXXX bill plus interest ( {$200.00} ). I have written a letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX disputing the validity of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: I.C. System, Inc.
State: FL

Complaint narrative:
I'm filing a complaint against XXXX XXXX XXXX.they shut my phone off and refused to work with me. This all took place after hurricane Irma now it is in credit bureau and in collections.i offer to pay half of bill during state of emergency that we had due to hurricane but they refused. There was no work and no way to print us a check. After thing got better I was forced to get another phone from a different provider. Is this fair not working with the customers during a national disaster?? Gov put laws into place for creditors to work with us

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 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My home is in a DECLARED NATIONAL DISASTER area due to the wildfires, I have applied and requested disaster assistance and forbearance but in the middle of the review my loan was transferred to a new servicer and they will not push or hold the sale date to review the disaster request. I have tried to contact them for over a week but they kept telling me that they do not see my account information because it is in the transfer process. I have a sale date in 3 days, but I am a disaster victim. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank performed an unauthorized unfreezing of my account and allowed miniscule money to be deposited to settle a claim regarding over charge & double charge nonetheless invoice fraud & potential fraud. 
Total initially charged 10min apart bills= ( 1 ) $ XXXX+ ( 2 ) {$770.00} = {$1900.00} Unauthorized deposit= {$200.00} Dispute was never settled. 

I ordered : Queen bed= {$650.00} Dresser & night stand= {$400.00} Deliver & tax= {$1200.00}

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 2019-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
Express Credit Card through their representative XXXX XXXX had charged me with {$6.00} for a service that I'd never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I inadvertently paid {$250.00} excess payment to my credit card. When I called Bank of America, they promised to pay it as refund. I never got the refund. They removed the credit from my account. I called more than 5 times. Every time they said that it is on mail. Last 3 months, I have been waiting for the credit or refund. 

Please help me here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We Have been Trying to get the Loan Number for this Property From XXXX XXXX, we have sent them the Power Of Attorney, the Certified Copy of the Grant Deed and The Title Audit Report that show the Break 's in the Chain of Title. We Have Requested a BPO Agent to come out to the property so we can Document the condition of the property brfore the repais are completed, and we have told them that we have the property sold and in escrow. We need your help to get Clear Title to this property. Addres of the property is XXXX XXXX XXXX XXXX, Ca XXXX HomeOwner was XXXX XXXX XXXX XXXX last four of SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
ON XXXX XXXX MY HUSBAND AND I WERE VICTOMS OF A SCAM DONE BY XXXX XXXX XXXX ( XXXX ) MY CHASE CARD WAS CHARGED XXXX BY XXXX. AFTER RELEIZING THAT THIS COMPANY WAS A COMPLETE SCAM I TRIED TO CANCEL BUT ALL THERE NUMBERS WERE DISSCONNECTED I THEN CONTACTED MY CHASE CARD ON XXXX XXXX I DISPUTED THE CHARGE AND A XXXX XXXX CONTACTED THE APPROPIATE PEOPLE AND THEY TOLD HER I WOULD RECIEVE A REFUND IN 4-6 MONTHS. I HAVE ATTEMPTED TO GET HELP FROM MY CARD COMPANY WITH NO LUCK I AM AN ELDERLY WOMAN WHO HAD TO BORROW MONEY TO PAY THIS DUE TO THE HIGH INTEREST RATE. I DONT UNDERSTAND WHY MY CARD COMPANY WILL NOT HELP ME I AM SUPPOSED TO BE PROTECTED AGAINST THINGS LIKE THIS. I FEEL AS THOUGH NO ONE IS WILLING TO HELP ME AND THESE PEOPLE JUST GET TO RUN OFF WITH MY HARD EARNED MONEY. I DONT UNDERSTAND WHY NO ONE IS WILLING TO GET MY MONEY BACK. I HAVE DISPUTED THIS CHARGE MORE TIMES THAN I CAN COUNT OVER THE YEARS AND I WILL NOT STOP TILL I GET MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have disputed the account with National credit system several times before due to the amount showed due. I contacted the original creditor XXXX at XXXX XXXX, in order to request information on the amount that showed due. I was giving no explanation stated they have had new management so they do not have any documents from XXXX, just to contact National Credit Systems. Once I contacted National credit system I was told the balance was due to damages. I requested proof of damages as well as original lease and statements. I filed another dispute with XXXX on XX/XX/XXXX to validate debt and amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transuion XXXX and XXXX have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, 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 2019-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: AL

Complaint narrative:
ON XXXX XXXX MY EX HUSBAND AND I WENT TO XXXX AND JOINED A MEMBERSHIP WEBSITE WITH A COMPANY BY THE NAME OF XXXX. WE WERE TOLD THAT THIS MEMBERSHIP AT THE TIME COSTED {$2400.00} AND THE DOWN PAYMENT WOULD BE {$240.00}. ON OUR WAY HOME WE DECIDED TO WAIT BEFORE WE START DOING HOME IMPROVEMENTS ON OUR HOME. SO I CALLED THEM THE SAME DAY OR THE DAY AFTER AND TOLD THEM THAT WE WERE CANCELLING THE MEMBERSHIP AND TOLD THEM WHY. I'VE NEVER HEARD ANYTHING ELSE ABOUT THIS UNTIL XX/XX/2018 WHEN I RECEIVE A MESSAGE FROM XXXX XXXX  STATING THAT MY CREDIT SCORE HAS DROPPED DO TO A COLLECTIONS THAT HAS BEEN ADDED TO MY CREDIT. IT IS UNFAIR TO US TO HAVE TO PAY FOR SOMETHING WE NEVER USED. WE NEVER VISITED THEIR WEBSITE OR USED THEIR SERVICES FOR ANYTHING. I CONTACTED THE COLLECTION AGENCY OMEGA RMS THAT SAID WE OWE {$4100.00}. AND TOLD ME THAT THEY WERE HIRED TO COLLECT A DEBT AND TOLD ME TO CONTACT XXXX. I CONTACTED XXXX   AND STILL NOTHING HAPPENED THEY TOLD ME THAT BECAUSE WE SIGNED THE CONTRACT THIS IS OUR DEBT. I ASKED THEM TO PLEASE SEND ME A COPY OF THE CONTRACT AND HIGHLIGHT THE LINE THAT STATES WE CAN'T CHANGE OUR MIND. I COULD UNDERSTAND IF WE HAD WAITED 6 MONTHS OR EVEN A YEAR TO CALL AND CHANGE OUR MINDS BUT WE DIDN'T. I THINK WE CALLED EARLY ENOUGH TO NOT BE CHARGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal has locked my access to my account due to an attempted XXXX money transfer. Navy Federal staff refuses to try to verify my identity or to work with me to allow me to get access to my account.

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