vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 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: AES/PHEAA
State: TX

Complaint narrative:
I have sent numerous times and semt them certified mail which allows me to see that they get my items. I sent one packet signed and dated last XX/XX/XXXX then they said they didnt get my items and i resent in XX/XX/XXXX and they still have refused to acknowledge they have gotten my items. Not only do i have a mortgage, but i have XXXX kids, a car note and my wife has lost her job. I dont know where or how they expect me to pay XXXX a month. I keep reapplying for loans and no one helps. Talking to them on the phone, im only wasting my time because they tell me to just send in everything i already have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: GREAT LAKES
State: TX

Complaint narrative:
I have been struggling for 6 years to lower my payment. They want something over 1000 a month, not only have I not found a job since i graduated but no one wants to hire me because of this college. Its embarrassing. Now they are demanding money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: FL

Complaint narrative:
An, so called " Debt Consolidation Company '' ( using 2 names, ''XXXX XXXX & on credit card statement ''XXXX XXXX XXXX ' ) contacted me, to tell me they would take over & make payments to the Banks, allowing me to make a lower payment to this company each month, also would lower my debt by 1/3 I stupidly accepted & gave card 's info. They charged my credit card {$1000.00}. ( Citi Card, Platinum ) XX/XX/2018 The credit company, will not reimburse me, even though this was an Fraudulent charge, Since having no service with this ''Debt Consolidation Company? ' & no correspondence with the persons that signed me up for this ''Debt Release Program? '' ( Persons spoken to were XXXX XXXX & XXXX XXXX @ XXXX saying their Company was out of XXXX ) Can you please help me to be reimbursed for the {$1000.00}, I am aged ( XXXXyrs. ) & on a rather low income. 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 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The Chase-Direct Non-Prime Lending Center was established in XX/XX/XXXX, in the Chase Manhattan Mortgage Corporation ( CMMC ) branch at XXXX XXXX XXXX, XXXX XXXX, PA XXXX ; as a direct-marketing mortgage lending center, dedicated to originating non-conforming, subprime and Alt-A conventional home mortgage loans. This non-prime lending center ( aka : subprime lending boiler room ) was manned by teams of quasi-independent mortgage brokers known as Chase Lending Specialists, who specifically-targeted XXXX Americans, and other economically-disadvantaged consumers, residing in urban MSAs/MDs. After these so-called lending specialists originated non-conforming/subprime mortgages, they were immediately sold to other JPMorgan Chase and Company affiliates ; who subsequently securitized these metamorphosed-mortgages into bogus RMBS Certificates, that were then sold to unsuspecting GSEs, financial institutions, and private investors. This dubious, two-tier mortgage loan origination process, sanitized/cleansed these non-conforming loans by deleting geocoding information ( i.e., MSA/MD, state code, and Census tract ), as well as : rate-spread/subprime interest rates, racial/ethnic demographics, HOEPA status, lien status, and other factors, that identified these loans as non-prime mortgages, rather than prime mortgages. This subprime lending boiler room was operated by three JPMorgan Chase and Company ( JPMCC ) subsidiaries : Chase Manhattan Bank USA, N. A., JPMorgan Chase Bank, N. A., and JPMCCs wholly-owned Limited Liability Corporation : Chase Home Finance, LLC [ aka : Chase Manhattan Mortgage Corporation ( CMMC ) ], and originated more than two-hundred thousand subprime/Alt-A mortgages, before it was shut-down in XX/XX/XXXX. JPMorgan Chase Bank, N. A. still provides conventional home mortgages to some of the MSAs/MDs targeted by the Chase Lending Specialists ; and the XX/XX/XXXX-XX/XX/XXXX HMDA-LAR Public Disclosures show that these XXXX Americans residing in these MSAs/MDs have never recovered from the XX/XX/XXXX-XX/XX/XXXX Predatory Lending, Mortgage Loan Fraud, and XXXX Discrimination/XXXX  Profiling practices of the Chase Lending Specialists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pacific Union Financial, LLC
State: PA

Complaint narrative:
On Tuesday XX/XX/2018 I was sitting at my desk at work. I received a call on my cell phone at XXXX, no message left. Then my work line received a phone call. I picked it up an hung it up because, I advised Pacific Union Financial the only number to contact me is XXXX and my work line is a recorded line. He then in turned called back again. I work in a call center, I can't pick up the phone. While I understand that I am behind. I find this harassing. I had to place my caller on hold. I picked up the phone and advised him that he isn't authorized to call this number and hung up, because I was at work. He then called my cell number again and left a message. I understand that I owe a debt and I am behind. but this behavior is excessive and harassing. I reached out at lunch time to contact the mortgage company and advised them that I was filing a complaint with the CFPB. The representative that contacted me was XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.

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 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX-18, I opened up a tab at a bar with my Chase debit card. Upon closing the approx {$20.00} tab, a Chase debit card was given back to me, although it turned out to not be my debit card. I did not come to this realization until the next morning. I immediately checked my online banking accounts the next day and saw numerous fraudulent charges ; detailed dates and transactions attached. I then called Chase claims services to file the claim and report my debit card stolen. Chase investigated the claim and came to the conclusion that the claim was denied. They stated that because my PIN was used on the fraudulent transactions, that i was not owed my money back. I have evidence on one of the attached documents of an email that was sent to me at the time of the fraud. The email is a fraud alert from Chase showing that 2 ATM cash withdrawal were attempted and then successful at a XXXX XXXX. This was the beginning of nearly {$4000.00} in ATM withdrawals and purchases on XXXX-18. I have witnesses that can state I was out with them in XXXX at the time of the fraudulent transactions ; most of the transactions occurred in the XXXX suburbs. The end result is I was not reimbursed for the fraudulent charges and Chase claims was not helpful in the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
NAVIENT is the company that I pay my student loans through. When you make an over payment through their online tool, NAVIENT deliberately applies the over payment how they see fit every time. We over pay our student loans each month and we pay the minimum to one and the over payment to the other. NAVIENT will shuffle the money around how they see fit. Even though the custom pay option exists on the website, it is ignored and we have to call them so a supervisor can correct the issue. This is fraudulent as the average customer probably does not check back to ensure that the payments were applied correctly. 

They then do lots of transactions that is somewhat visible on the account history by loan but it is impossible to figure out exactly what was applied. I called three times for my last payment and I thought they finally got it right but when I added up the negative and positive transactions, the final payment is still short of what I sent them. So even after I call them and tell them the exact amount, they will not honor the payment. 

This is not hard, whatever I put in the custom payment boxes should be applied with a checkbox to apply the extra payment towards the current principle and not future payments. This is a deliberate attempt to get as much money out of people as possible. 

To correct this type of behavior, the person paying the loan, should have the option to choose a different loan payment company if we're unhappy with the current one. After all - they can simply sell my loan at their own leisure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018, I opened a checking account with Chase less than a month ago online with the promise of a {$200.00} bonus if I ( 1 ) open the account by depositing the minimum {$25.00} into the account, and ( 2 )  set up direct deposit of {$500.00} or more into the account. On their website, it states underneath the " Open Now '' option verbatim " Your coupon code will be automatically applied. '' You can find this information in the link below : https : //accounts.chase.com/XXXX I have also provided attached screenshots below. 

I continued to read the terms and agreements which stated that after ( 1 ) approval of the account, ( 2 ) depositing {$25.00} or more into the account, and ( 3 ) having the direct deposit made electronically within 60 days of opening the account, the bonus would be deposited within 10 business days. 

After 2 paychecks were deposited into the account, I noticed the bonus had still not been applied. I called Chase twice on XX/XX/2018 to resolve the matter, but was told that I did not qualify for the bonus because a coupon code was not applied to the account and 21 days had passed since opening the account which made my request ineligible. There is NO written indication anywhere under their terms and conditions that state there is a 21 day limit to apply a coupon to redeem this bonus. The account is still less than a month old, and at the time of contact, it had been EXACTLY 21 of their business days from opening the account online ( as they are closed Sundays ). In addition, as stated previously, after opening the account online, it was stated ( on their website ) that the coupon code was automatically applied. The " Welcome '' email I received from XXXX on XX/XX/XXXX after opening the account revealed no promotional code, nor expiration date for a promotion. 

Once they still insisted there was nothing they could do for me, I went to a branch in XXXX XXXX, NY and spoke personally to the branch manager who tried to override it with a promotional code I signed up for on XX/XX/XXXX with my personal email that was used to initially open the account. When it didn't work, he told me to call their main number again and re-explain my case. I called this morning, XX/XX/XXXX and retried only to be told that if I walk into a branch, they could give me a coupon code to override it. This, however, did not happen yesterday when I walked into the branch. 

I am more than happy to provide any further emails, and names of individuals I have spoken to if need be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

Equifax : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX  : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

Experian : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.

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 2018-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Around XX/XX/2016, I purchased a vehicle from, " XXXX XXXX XXXX. I specifically stated to the sales rep & finance manager, that I only wanted a vehicle worth XXXX dollars. We agreed on a XXXX XXXX XXXX XXXX, with sunroof, around XXXX mi. I put a XXXX dollars down towards the purchase of the vehicle. I tried to get the vehicle refinanced then discovered that the dealership fraudulently added about XXXX to the total finance cost of the vehicle. The vehicle was also falsely advertisted as in great condition, but a severe frame damge front and rear ... ....

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 2018-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I did {$400.00} title loan in XX/XX/2014 with XXXX  XXXX XXXX XXXX , XXXX in XXXX Ohio, I have tried for the last 6 months to contact the company about the title since I never received my title back but I get nothing but a voicemail when I try to call the only number I can find for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I authorized Sun Trust Mortgage to charge on my credit card for a real estate appraisal to be performed at their direction. This was required for a mortgage application process to move forward. The appraisal fee was itemized to cost {$500.00}. 

On XX/XX/2018 the appraisal was performed by XXXX XXXX XXXX and completed and signed on XX/XX/2018. Shortly thereafter, I received the appraisal package from Sun Trust Mortgage. In the package was an invoice for the appraisal from XXXXXX/XX/XXXX. The Invoice was for {$450.00}. 

On XX/XX/2018 I spoke with my Sun Trust Mortgage Loan Officer, XXXX XXXX. I asked Mr. XXXX why I was charged {$500.00} for the appraisal which was invoiced at {$450.00}. I specifically asked if any additional services were provided to justify marking up the appraisal cost. Mr. XXXX apologetically said a mistake had been made. He said he thought the appraisal would cost {$500.00} and that I was overcharged. He clearly said the {$55.00} overcharge would be returned as a credit on my card. 

The {$55.00} overcharge was never returned as promised. When I withheld the {$55.00} from my credit card, Sun Trust Mortgage refused to acknowledge the appraisal mark up, refused to acknowledge the mistake, and demanded full payment.

To reiterate, Sun Trust Mortgage marked up the cost of the appraisal and did not disclose it. When exposed, Mr. XXXX apologized and promised to make a refund, and then reneged on promise. Then Sun Trust refused to acknowledge any of this ever happened. Now they want to keep the undisclosed and most questionable mark up.

The absolute proof of the truth of this claim can be found can be found in Sun Trust Mortgage 's recorded phone calls as they claim to record all telephone conversations. Incredible.

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 2018-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D&A Services, LLC
State: AL

Complaint narrative:
Contact was made by D and A Services on XX/XX/2018 @ XXXX eastern time stating personal information such as address, date of birth and SSN the women proceeded to state this information was needed to be verified by me before they could sue on the behalf of another collection agency, neither agency has validated with a contractual agreement of my owing any money to them, so my response was to go ahead and sue, documentation is required in court. On XX/XX/2018 I received a collection letter not a subpoena. Unless this debt that has been validated ( with a contract ) not just verifying by general information or copies of documents without a signature, I owe nothing. According to the FTC, FDCA 1692 ( c ), ( d ), ( e ), and ( g ) threats to collect is an illegal practice, another illegal practice was contacting me by use of my cellular phone under the Telephone Consumer Protection Act 47 USC sec 227 ) without my written consent.

A letter of validation of a contractual agreement has been mailed to D & A services, I am waiting on the returned receipt, upon receipt I will be able to provide the information. I have returned receipt of documents mailed to the other agencies, it can be provided by fax or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.

Company response to consumer: Closed with explanation