vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My checking account at Chase was compromised by someone printing and cashing fake checks that were not in my name, but had my routing and account number at the bottom. The checks were printed as if from various companies, like insurance and legal companies. Checks did not have my name or signature anywhere. See an example attached. 

In total, about {$10000.00} were lost from my account due to this. 

In a span of three days from XX/XX/2019 through XX/XX/2019, hundreds of such fake checks were cleared from my checking account. Normally I would rarely write any checks. In the past I wrote probably one check a month or so.

Chase proceeded to approve these transactions and cleared funds from my account. I was alerted to this happening by automated email from Chase about my account being overdrawn. In addition to fraudulent transactions, Chase charged three separate overdraft fees to my account. 

Upon receiving an alert and realizing the problem on XX/XX/2019, I contacted Chase by phone, then visited the branch, where I opened a claim with Chase. Chase froze the account and informed that it would take 3-5 days to process my claim.

Two weeks later, as of XX/XX/2019, Chase has not refunded my money ( around {$10000.00} ) and is claiming that the investigation is still ongoing. 

I asked why Chase can not proceed with reimbursing me while their investigation is ongoing, but did not receive a satisfactory response. 

Essentially, the same can happen to anybody with a Chase checking account, as it's apparent that Chase doesn't have any automated monitoring or alerting around suspicious checking transactions, does not verify that checks even have an account holder 's name or address on them, and does not verify signatures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I received a check from my insurance company in XXXX for funds in reference to hurricane Irma. I contacted Flagstar bank and they sent me a packet to fill out and send back with copies of the companies XXXX, Ins adjusters work sheet, conditional waiver of lien, contractor affidavit, repairs affidavit and property owner contract. All were sent along with the endorsed check in XXXX. 
I have been in contact with Flagstar starting in XX/XX/XXXX however i did not start documenting until XX/XX/XXXX. On each occasion I spoke to a customer service person in the Loss Draft Department. Each time there were frivolous excuses given for why they had not sent my check to me so that we could get a start date for replacement of our roof. 
On Each time I called : XX/XX/XXXX / 21 minutes on hold XX/XX/XXXX / 1 hour and 40 minutes trying to resolve issues that did not exist because they had all the paperwork necessary to release the check. 
On XX/XX/XXXX I was told the check would release. 
XX/XX/XXXX I called again and was told the check released on XX/XX/XXXX and it would take 10 days to get to me. 
XX/XX/XXXX I have still not recd the check. Flagstar is holding my money and causing damage to an already damaged roof for no reason. It was my understanding the reason the insurance companies put the insurance check in both our name and banks name is to insure that the work is done to protect the banks investment in the home. So why are they giving me such a hard time about releasing the check? I believe that the bank is stalling and holding my money hostage for a reason I can not fathom. 
reference loss draft ID # XXXX telephone number 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 2019-01-25 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: Kentucky Higher Education Assistance Authority
State: UT

Complaint narrative:
I have Private Student Loans with Kentucky Higher Education Student Loan Corporation in XXXX, KY. I can not make the XXXX $ payment per month and they have threatened to take my taxes and garnish my wages. I have no other options but to default on the loans ... I am at a loss and need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 I opened a Yield Pledge Checking account after coming across an offer for {$150.00} with direct deposit. The terms of the promotion state that a {$150.00} promotional bonus will be deposited to the account after openeing the account with promo code XXXX, funding the account with {$5000.00} ( completed on XX/XX/18 ) and a direct deposit of {$1000.00} or more within 90 days ( Completed on XX/XX/18 and XX/XX/18 ). I have completed all the rquired steps for this promotional bonus and I have not yet received the bonus. 

After speaking with TIAA bank, they are disorganized and no customer service rep has been able to tell me why I did not receive the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am XXXX/XXXX of the XXXX XXXX XXXX, XXXX XXXX . 
The accounts that I opened on behalf of the XXXX  were taken over by two fired board members and a management company that also had been terminated. Chase bank took their one sided documents of proof and absolutely refused to accept any documents that I gave them in an effort to dispute what was done. 

I turned in, XXXX, real receipts, the businesss Bylaws, minutes from meetings, etc. yet I was told by the banks manager you must contact your board-theres nothing we can do. 

This board has refused to provide an IDR, which is a legal requirement, and REFUSED to communicate with me. 

Chase bank has given these individuals control over EVERYTHING in the accounts that I opened based on a one sided story and documents while REFUSING to accept my documents and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I cosigned with my daughter-in-law for a car loan through XXXX XXXX XXXX in Arizona in the summer of XXXX. My now my ex-daughter-in-law will not take financial responsibility or even sign off on a voluntary transfer ( although I know her work address in Michigan where a process server could find her ). XXXX XXXX XXXX   informed me that abandonment could be completed to accomplish removing the vehicle from my debt, so I requested to process an abandonment on XX/XX/XXXX. At that time, I reminded XXXX XXXX XXXX that I had already updated the vehicle location with them when I dropped the vehicle off in mid-XXXX at the dealership in XXXX where it was originally purchased. The dealership provided me the courtesy of dropping the car off there, since I explained to them that I was selling my Arizona home in two days and was leaving the state. The dealership is located in XXXX, AZ. 

I am looking for a document to prove that I have surrendered and or abandoned the XXXX, but when I called XXXX XXXX XXXX today ( XXXX ), they told me that they do not know the whereabouts of the car and the case is closed! 

XXXX XXXX XXXX provided me with the vendors number ( XXXX XXXX XXXX at XXXX ) to pick up the vehicle, but XXXX XXXX said that the vehicle was not at the address, and they received a cancellation order. 

XXXX XXXX XXXX denies knowledge of the whereabouts of the car, although the Hyundai dealership informed the XXXX Police that a repossession tow occurred. 

The Town of XXXX Police Report is XXXX and the officer in charge can be reached at XXXX. I am also making a report to the AZ Attorney General, because failure of XXXX XXXX XXXX to protect their collateral once informed of the vehicle 's location at the dealership has resulted in a misplaced vehicle. I am unsure if the vehicle is lost due to error fraud, but a misplaced car could be used in criminal activity, especially as close as Arizona is to XXXX. 

I understood I would receive a XXXX for cancellation of debt income in the full amount of the unpaid loan, but now that the car is lost, XXXX XXXX XXXX has lost the opportunity to sell the car at auction to remedy their ability to collect on the loan which affects consumer finance. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting on my credit file. I have tried numerous times to get information from them but no answer. I have also disputed this account with the bureaus and the account is being validated but no proof has been sent to me. 

They are a collection company and reporting not only a balance but also a " past due '' balance as well as a late payment on XX/XX/2018. Collections agencies should not report a 30 day late as it is already in collection. 

The account needs to be reviewed for deleted or prof needs to be submitted to me as to the validation of this debt and payment history would need to be updated right away. 

I have attached a copy of my credit report which shows how the account is reporting on my credit. Page 1.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/2019 I had a hard inquiry by XXXX XXXX, Fl XXXX National Credit Cards Airlines I never asked, signed up or gave permission for them to do a credit check. I live XXXX, Indiana. I have never heard of them. It stays on my report for two years. I looked into the company and several people commented that they only got a run around and received help through you. I would appreciate your help in getting that hard inquiry removed from my report.

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 2019-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have tried on numerous occasions to come to some sort of an agreement with Wells Fargo on my HELOC account. I am having trouble repaying the loan, and am looking for some restructuring of the debt to bring the payments lower. I had gone through the process once, and not only did it take a long time to go through, mostly because the person assigned to my case would not return my calls for assistance on the paperwork, or would as for items, and then tell me that she actually needed other documentation instead. I spent more time on back and forth, then actually sitting down to discuss options for a solution. Basically I felt like I was given the run around and in the end, told there was nothing they can do. I am a senior citizen, on a fixed income. The payments now are interest only, but will soon become P & I payments. I am behind since XXXX, and have medical issues that I need to budget my fixed income to take care of. I learned that there was actually a law suit against Wells Fargo by other customers who also went through the same situation. They found that Wells Fargo did not help those searching for assistance in a timely fashion and lost their homes to foreclosure. Another thing adding to this is the fact that my daughter was tricked into signing papers on the loan. She had power of attorney over my financials, and the loan agent at Wells Fargo told her that she was signing documents showing her power of attorney, when in fact it put her on the loan as a co-signer. Because of this her income is looked at to make decisions on my repayment ability, when in fact it should not. She has her own home and finances to worry about. This is a slimy tactic for the bank to use and now put her and my son-in-law in this mess. My son in law who also works for a bank stated to me that there are lots of programs out there that can help to modify the terms of the loan, so that the payments are manageable and I can for fill my obligation. He also stated that at his bank, they do riders and mods all the time to release parties from various loans as long as both parties sign the paperwork to do so. Now My daughter is trying to go through this process with me again, and again, we are getting no communication or feedback from anyone at Wells Fargo. I am asking that someone help me to please have these people help to restructure my loan into payments I can afford based off my fixed income. I also want my daughter removed from the loan documents, as she no longer has power of attorney and has no interest on the property being used. That and the fact she was tricked into thinking she was being listed as an authorized person to act on my behalf on the account, not to be responsible for it.

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 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
IQ Data ( aka XXXX ) Is attempting to collect on a debt they say originated fro XXXX at XXXX XXXX XXXX. This is the incorrect plaintiff in the action. The debt allegedly owed is not verifiable as the court documents are being contested : Wrong amount, incorrect plaintiff, incorrect dates. 

IQ Data maintains that the date of the owed amount is XX/XX/XXXX which conflicts with the already incorrect court documents that they are using as verification of debt. XXXX of XXXX XXXX XXXX is not the lien holder of the alleged debt and is not on any stipulation documents for this issue. 

I have the original documents from the court. As it stands IQ Data uses threatening language and refuses to allow me to provide the information to dispute the debt or any avenue to do so. I am simply talked over and threatened by the staff answering the phone. My attorney for the original issue stated that the debt has to have the proper lien holder, dates of the amount due, and proper amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NE

Complaint narrative:
I requested a review of my Public Service Loan Foregiveness qualifying months a year ago. I have call several times since then to ask if it had been completed. This review has still not been completed and XXXX XXXX XXXX is unwilling to provide me with a general timeframe. 

I was also told around XX/XX/2018 that the months that I overpaid on from my determined monthly payment amount would be reimbursed to me after my foregiveness was in effect. I have since been told this is wrong and mocked for asking this question. I am rarely treated with any sort of respect when I call XXXX XXXX & often given misinformation with no offered apologies. XXXX XXXX never seeks to offer a solution to issues that they cause. They are also unwilling to provide me with copies of narratives from when I called in without a sopeana.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
AFTER REVIEWING MY RECORDS I FOUND CHARGES ON MYCREDIT CARD I DID NOT APPROVE SO I CALLED WELLS FARGO AND LET THEM KNOW. THEY PROMISED I WOULD HAVE THE CREDIT WITHIN 7-10 DAYS, AFTER 14 DAYS I THEN CALLED AGAIN AND THEY SAID THJAT THE FIRST PERSON I SPOKE TO NEVER PUT THE FRAUD CLAIM IN SO THEY THEN TOOK THE CLAIMS AGAIN FOR XXXX XXXX XXXX {$2100.00}, AND XXXX XXXX XXXX {$790.00}, XXXX XXXX XXXX {$740.00}, AND XXXX XXXX XXXX {$39.00}. THEY SAID IT WOULD BE RESOLVED AND I WOULD BE CREDITED IN 7-10 DAYS THEN A FEW DAYS LATER I AM TOLD THAT IT IS TO OLD, AND THAT THE COMPANIES CLAIM THAT IT WASNT FRAUD. FOR STARTERS BEFORE I CALLED I DID RESERCH ON EACH COMPANY TO MAKE SURE I DIDNT KNOW WHO THEY WERE AND MOST ARE SCAMS THAT ARE NO LONGER IN BUISNESS SO HOW COULD THEY SAY THAT I OKED THE CHARGES AND SECOND IT SHOULDNT MATTER HOW OLD THEY ARE I DID NOT APPROVE THEM AND MY BANK IS SUPPOSED TO COVER ME FOR 7 YEARS. HONESTLY I FEEL AS THOUGH I AM BEING BRUSHED ASIDE ANDI WILL NOT STAND FOR IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
I had a past due amount of {$1000.00} to XXXX that was paid to XXXX shortly after they sent it to a collection agency, Trident Asset Management. Trident continues to report this to XXXX, XXXX and XXXX as an outstanding balance since XX/XX/2015. I have disputed the amount owed with all 3 credit reporting agencies without success. I have tried to get XXXX to acknowledge that this debt is paid and to notify Trident but all they do is pass me back and forth between their Billing and Financial departments claiming that they show no outstanding balance and that I need to take up this issue with Trident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/XXXX, I changed loan servicers from XXXX to XXXX/XXXX, XXXX/XXXX funded {$160000.00} to XXXX on XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX-Received electronic letter from XXXX regarding PAID IN FULL ( Subsidized and unsubsidized loans ), XX/XX/XXXX-Received electronic letter from XXXX regarding PAID IN FULL ( Stafford loan ). My XXXX balance was {$0.00} and closed my account. In XX/XX/XXXX, XX/XX/XXXX-Received email of XXXX  total balance due of {$1500.00} ( XXXX account reopened ). XX/XX/XXXX-Contacted XXXX  representative XXXX XXXX, a previous payment for XX/XX/XXXX of {$1500.00} ( made to a previous servicer prior to XXXX, XXXX ) payment was coded as a " preconversion adjustment '' and not as a " payment '' -that 's why not it is not reflected on the payment history. And will receive a letter of that written correspondence in 7-10 business days. XX/XX/XXXX-Paid loan payoff amount {$1500.00} to officially close my account with XXXX. In XX/XX/XXXX, XX/XX/XXXX-Received electronic letter / written correspondence Our records indicate we received a payment on XX/XX/XXXX from XXXX in the amount of {$1500.00}. This was applied with an effective date of XX/XX/XXXX. XX/XX/XXXX-Received electronic letter my XXXX  regarding PAID IN FULL and closed my account with XXXX once again. 7 months later. In XX/XX/XXXX, XX/XX/XXXX-Received email of XXXX total balance {$1500.00} due XX/XX/XXXX ( XXXX  account reopened ).  Contacted XXXX representative, was told that " XXXX overpaid {$1500.00} and the amount refunded back to XXXX on XX/XX/XXXX. I told them I was the one who made the final payment in XX/XX/XXXX, out of my own pocket. Checked my bank account, a total of {$1500.00} was refunded back to me for no reason and without my request. Transferred to XXXX XXXX, XXXX supervisor XXXX, she submitted case review to their Financial Management Team to find out why the amount was refunded into my account, will take 24-48 hours, latest response on be on Friday, XX/XX/XXXX. I did not hear back from anyone. XXXX  account is reopened and theres an outstanding balance accruing interest daily with a due date in upcoming XXXX. This is unresolved and no instructions given to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I sold my home in XXXX of 2018. I've been waiting for escrow reimbursement circa {$1800.00}. I've called several times and have not been paid the overage. Ditech advised that they would send me a check and I still haven't received it. 
I've tried to escalate and was told they sent the check to the property address even after I supplied my forwarding address. I have been unable to reach anyone to resolve the issue. Ditech has been unfair and deceptive to say the least. The house was paid off in good faith and I want the money that I have paid into escrow that is owed to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief