vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 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: CO

Complaint narrative:
My issues all started on XX/XX/XXXX. My ex-husband and I used to share this particular checking account, and he still had his homeowners and car insurance set up to direct deposit from what is now, only my account. The amount was for {$1000.00}, from XXXX, and immediately overdrew my account. I am a XXXX parent whom has two jobs and a VERY tight budget, and this caused a snowball effect for me financially. 

To me, this is a VERY large sum, and I was at this point overdrawn and in the negative around {$800.00}. I am shocked that my account " allowed '' such a massive overdraft, especially without any contact prior to the debit. In addition, it allowed the overdrafts prompted by other auto-scheduled debits to continue -- -again, without any contact or personal notification! 

On this day, XXXX ) I had other bills previously scheduled to be withdrawn from my account, and was charged 3, {$34.00} fees for a total of {$100.00}. I received NO notification from Chase until the next day that my account was overdrawn by such a large sum. Unfortunately the notification was sent to me via email, and I didn't check it for several days. I am shocked that I never received any type of phone call either. My ex-husband was unaware of the withdrawal, and when I notified him, it took him another week to get me the complete amount to cover his initial withdrawal. 

I contacted Chase asking for help with refunding some of the fees, letting them know that the fees would just create a cycle for me that I would not be able to get out from under. They denied me, with no specific reason why and the cycle continued. 
I got charged on XX/XX/XXXX, {$68.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$68.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$34.00}, and XX/XX/XXXX {$34.00} as a result of not being able to catch up. The fees totaled {$400.00}. 
I resent an email stating how another company that I bank with, XXXX XXXX only charges up to 3 overdraft fees a month at MAX and they still denied my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Our mortgage loan was sold from XXXX to Fay Servicing in XX/XX/XXXX 
Since the turnover, Fay Servicing provided me with a loan officer but she rarely returns my phone calls and they keep demanding double mortgage payments and I can not afford double payments. I also have not received a mortgage statement for XX/XX/XXXX or XX/XX/XXXX. Even the Mangement will not return my phone calls. All they do is send certified letters for intent to foreclose. We have lived in our home for 20 years. Have had rough financial times and have always worked it out. I feel that Fay servicing just wants us out. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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:
I was a victim of Identity theft and I notice 2 accounts on my credit report. XXXX # XXXX and XXXX XXXX # XXXX. 

I have provided Equifax, XXXX and XXXX  the copy of the police report and have provided a victim 's complaint & affidavit to XXXX and XXXX XXXX and everything else that they have requested. XXXX deleted the 2 accounts, but Equifax and XXXX   has refused to delete these 2 accounts from my report. They keep saying that they have verified that this account is mine but have not provided any documentation to show that these accounts are mine. 

Also I have also asked the original creditors - XXXX & XXXX XXXX to provide documentation / proof that this account belongs to me and they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I noticed in XX/XX/2019 that my credit limit was reduced from XXXX to XXXX. There is no reason why. If you check my history with the company I have never been late. On my credit report I don't have any late payments to any creditors. So I am wondering why an adverse action was taken. I have never had a high balance with them never missed a payment etc ....

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 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, The reason for my dispute is I C System XXXX  was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C System. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation CALIFORNIA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C System failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. I C System is held liable as well for defamation and in the state of CALIFORNIA a creditor is who collects their on debt is considered a debt collector under. FDCPA I fail to see where I C System is in compliance with CALIFORNIA LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. I C System. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

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 2019-01-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I made a request for the credit bureaus to investigate errors on my credit report back on XX/XX/XXXX. As of today, they have not responded yet.

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 2019-01-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There have been multiple unauthorized payments made from my XXXX XXXX   checking account to Citibank using fraudulent credit cards that are not associated with me. According to XXXX customer service representatives, the XX/XX/XXXX {$26.00} returned item fee was generated due to an unauthorized Citibank credit card trying to make a fraudulent {$11000.00} payment.

XX/XX/XXXX FEE - RETURNED ITEM - {$26.00} XX/XX/XXXX CITI PAYMENT PAYMENT XXXX - {$2000.00} XX/XX/XXXX CITI PAYMENT RETRY PYMT XXXX - {$11000.00} Since I have four Citi Credit Cards and they all have been setup to do autopayment by my XXXX XXXX 's checking account, I checked all these credit card accounts and none of them had these amount of transactions. It seems that this criminal was issued a Citibank credit card by Citibank and stole my checking account number from Citibank database or Citibank leaks my checking account information to this criminal. I called Citi Credit Cards Customer Service multiple times ( XX/XX/XXXX- XX/XX/XXXX ) to find out which Citibank Credit Card/Account illegally using my XXXX XXXX 's checking number to pay for this criminal 's account. So that this criminal could be caught and stop to perform illegal activities again, but Citibank Customer Service and Fraud Investigation Department failed to make effort to identify this criminal 's account and let these fraud transactions happen again and again.

A similar case happened on XX/XX/XXXX with an unknown XXXX Credit Card to withdraw {$5200.00} from my same checking account, I called XXXX XXXX customer service and they identify that criminal account with couple of phone calls, then my {$5200.00} was refunded.

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 2019-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Have told portfolio more than 5 times to stop calling me and only contact me via postal mail. They keep calling from different ph # s and call almost daily, sometimes more than once per day. Ph # s using : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, including 8 additional ph # s. My phone only goes back to XX/XX/XXXX but since thatdate, they called : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX, XXXX XXXX, XXXX. I spoke to them onXX/XX/XXXX,XX/XX/XXXX, XXXX, XXXX  & XXXX  stating to stop calling me as this is harrassment and again requested all communication to be through postal mail only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried several times to contact Experian on behalf of removing the fraud alert on my report. As of today, the fraud alert still exists.

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 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: CA

Complaint narrative:
A company called Credit Plus did a hard inquiry, although I have not spoke to anyone about getting a loan of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: IL

Complaint narrative:
I had a semester at my university that I wound up withdrawing from when my father spent several weeks nearly XXXX in the hospital, during the same time my grandmother died, and I, myself, experienced symptoms of what I later found out was XXXX  ( at XXXX! ), all while having a lot of conflicts with faculty members. I couldn't get a refund and for the next 2 semesters, I was JUST short of paying, using the subsidized loan, and took out very small loans from Navient. This was fall of XX/XX/XXXX.

I'm an autistic man who is having difficulty finding work, even with an XXXX degree. It's XX/XX/XXXX. Somehow, my total student debt, which was about XXXX at graduation, is now nearly 30,000. I deferred as long as I could and went on income-driven replacement with XXXX income when that stopped being an option.

What almost always happens is that Navient doesn't notify me when I need to fill out a new application for income driven replacement, I miss a payment deadline, get some kind of fee, and have my debt buildNot to mention that 6.2 % is a CRIMINALLY high rate to charge a person for education, when civilized countries in the world have education free. I have strong suspicion that Navient gets extra fees from customers by design.

My credit is going to be too low for me to get an apartment if I try to move anywhere for employment.

This is just not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
This company reported a false debt to the credit reporting agencies thats not mine. Ive never even lived at the address thats being reported. It caused my credit score to decrease 60 points!!!

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 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Moria Development, Inc.
State: NE

Complaint narrative:
I opened my first complaint on XX/XX/18, and the issue has yet to be resolved, despite two complaints being closed already. The mortgage servicer claims to have not received a payment sent through my bank 's billpay system on XX/XX/18. I provided proof that it was sent by the bank, and my bank did a trace and determined that the servicer never cashed it. On XX/XX/XXXX, the payment was reissued and a stop payment was placed on the payment that the servicer could not locate. I was assured that the negative information would be removed from my credit report and that everything would be resolved, and as of today nothing has been fixed and I am still receiving collection letters indicating that I have missed a payment, although I have provided XXXX  's with proof that every payment was sent. They have failed to correct this in a timely manner, resulting in an inability for me to obtain financing needed for my business based on false information provided to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in XXXX at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pentagon Federal Credit Union ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.

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 2019-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was asked for copies of bank statements and income statement the copied them and told me to get another statement from the bank and I need my payee with me im on social security I earn {$880.00} XXXX monthly credit not under XXXX I want to move. I stayed at my residence for 45 years. I need help. a denial cause of a payee its unfair discrimination my mother cant walk in the office I asked if she could speak to her on the phone she denied trying that.. I never even filled an application out, ,no paper work. I was there on Friday at XXXX the XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: CA

Complaint narrative:
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.

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 2019-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: NH

Complaint narrative:
on XX/XX/XXXX i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
they are no longer in business. the price was {$7400.00} i put a down payment of {$1000.00}. the balance of {$6400.00} was financed by westlake financial. the payments were {$250.00} per month. i did not really look at the interest until westlake financial gave my loan to a company called XXXX XXXX. i went through bankruptcy from XX/XX/XXXX through XX/XX/XXXX i did not put westlake financial on my bankruptcy case. when i looked at my loan i have paid {$3300.00} XXXX. i knew i would pay a high interest rate. 
i thought i was paying 24.99 %. 
i am checking to see if the rate of interest i am paying is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Two purchases made on XX/XX/XXXX for {$650.00} and XX/XX/XXXX for {$61.00} both with the same company, XXXX XXXX XXXX and paid for with my Gold MasterCard from Citibank group . 

Delivery was promised in XX/XX/XXXX. Then came a series of " oh, we're working on it '' and " we're a little behing '' from XXXX XXXX. Then their web page went dark, their phone stopped answering and emails were no longer answered. 

I filed a dispute with Citibank for the two disputed charges which totaled {$710.00} in late XX/XX/XXXX or early XX/XX/XXXX which was immediately reversed and credited to my account by Citibank. 

I considered the issue closed. 

Imagine my surprise when I open my XX/XX/XXXX bill from Citibank to find that the " merchant '' filed a blank answer to my complaint and the full amount was again credited to XXXX XXXX ( who was no longer communicating in any way to customers ). 

I responded in writing to the issue objecting to Citibank 's lack of diligence and failure to support my position, as their long time customer and in fact, I had NEVER received any merchandise, website closed, multiple, multiple XXXX  complaints on the " merchant '', phone lines dead. XXXX XXXX is a fraud, no longer in business and guilty of bilking unsuspecting customers out of money for products never delivered. 

The dispute is still open as of today ( XX/XX/XXXX ) but of course Citibank will not discuss the matter with me. 

I expect them ( Citibank ) to do the right thing and refund my charges but as time goes along, I am losing faith in the process.

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 2019-01-11 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: GA

Complaint narrative:
On XX/XX/2018 I requested my credit report from Equifax. I received someone elses credit file that was not my own. I called Equifax 3 times to tell them what happened but they were not able to tell me what happened to my credit report or why I received someone elses credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WV

Complaint narrative:
I am currently enrolled in college and my servicer is telling me that my payments are past due, with no grace period, or time to finish school. Theyre trying to say that Im past due, but I am still enrolled in school until XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
I went to speedy cash after XXXX filled an application I had statements they requested they copied them I was denied a title loan and title was with me and I was denied because of im XXXX and have a payee. My mother cant walk XXXX XXXX XXXX

Company response to consumer: Closed with explanation