vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Flagship credit acceptance car loan financing. I have an incorrect amount in my balance. It exceeds more than the contract agreement amount..The maturity date is XX/XX/2019 which include the extension period of 3 months, originally XX/XX/2019..it charges me XXXX more after my last payment this XXXX. plus {$470.00} for late fees and other charges. Total of {$1500.00}. I am willing to pay the extra charge of {$470.00} but not the XXXX. I have written them a letter many times and the last was XXXX this year I have email them many times and i called them but they can not provide the specific answer to clarfy their computation. 
My total interest after 72 months is {$9800.00} in {$16000.00} principal with 59.26 % interest. 
My APR is 16.5 or XXXX.. it was computed total balance multiply by .1375 monthly. Which cost my APR to XXXX on my 1st yesr, XXXX on my 2nd year and XXXX on my 3rd year. Not XXXX/yearly

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 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2019 I applied to open a checking and savings account with JP Morgan Chase to which I was approved. I made a deposit to my checking account because disclosure stated I needed to make a deposit within a specified time to which I did. I used my account accordingly and was in the process of setting up my direct deposit with my employer. On XX/XX/2019 my fiance attempted to send money to me via a feature called XXXX however the payment she tried to send did not go through. Upon realizing this I called Chase to find out that my account was in the process of being closed. I asked why this was happening and three different representatives stated that chase chose not to do business with me and this is forever. I can never have a chase account as long as I live. They did not give me a reason or anything, the representatives stated that " it is what it is '' and according to the disclosures chase sent they are able to close an account without reason. MY complaint is that if this was the case why did the compliance allow me to open my account in the first place. I did not overdraft my account nor did I have a chance to even have my direct deposit to be deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
I would like to report a fraud on my escrow account.I would like to know whether you CFPB are you able to make decision in this matter or I have to report this issue to the FBI. 
I am pretty sure that they are taking money from my escrow account which are not shoved on my escrow balance. 
Now I have terminated and removed my Escrow account for the mortgage. I asked also about remaining balance on escrow account.If they send me check with balance I will know exactly how much money dissapeared from my account.

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 2019-12-06 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below: XX/XX/2018XX/XX/2018I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I opened a Jared account through XXXX  XXXX. I eventually opened a Kay 's account as well which are both branches of sterling. Well I purchased a ring for XXXX and a pair of earrings for XXXX. 5 months after having accounts open I had available credit of XXXX and same through Kay 's. In XXXX they froze my accounts. Never once was I late, always paid early and on time I tried to use the card ( Jared 's ) beginning of XXXX and it said available credit limit XXXX but XXXX amount to use. As of today I should have XXXX available at Jared 's to use. I called them again today to inquire why the account I opened online shows I have XXXX credit limit but XXXX available to use. I was told I had to go in store to have accounts unlocked. There was never a Jared near me the closest Jared is almost 3 hours away. There wasnt a problem opening the accounts and allowing me to make 2 purchases but the only way they say they would unlock my account is if I go into store. This is like a scam. They get you to buy something and then freeze your limit. So then you must go instore for a review. I didnt apply in store. I applied and purchased online. I am not able to shop in stores due to having XXXX  XXXX  child. The account was only open 5 months and I didn't find out til today that I had to visit in store to get my available credit limit unfrozen. That is fraud, Its almost like a scheme. Something should be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a special promotion loan from Capital One bank. This was for a period of 18 months with no interest until the period was complete. Unknown to me the period of no interest ended on XX/XX/2019. The problem was there was no mention of this ending on that statement. Had the company let me know somewhere on that statement that it had ended,I would have paid off the balance with no interest. However the XX/XX/XXXX. statement came and showed interest due for $XXXX.I feel this is an underhanded way to do business and is very unethical. I contected the company and asked them to remove the interest charge. I spoke to a supervisor and was refused . I phoned a second location for the bank and spoke to a senior supervisor and he also said he could not remove the charge. I explained that I was an old and very good customer for years. This made no difference to them. In all my dealings with credit in the past I have never run into a problem like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
i went to suntrust to close my account the day after XXXX. they wrote me a bad check for $XXXX which my new bank says has a bad routing number so the feds returned it and i had to pay my bank a $XXXX fee.

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 2019-12-06 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: CT

Complaint narrative:
In XX/XX/2012 I received student loans of various types. At the time, with all of the information being provided to me, I was told that the loans would be low payments and I would have a Public Safety Loan Forgiveness set up. Following the end of school, I set up a payment plan with XXXX. The payments were manageable and were being paid. 

Since the conclusion of school, I have been required to reapply for payment plans, PSLF, as well as payment increased to over {$600.00} a month by companies. When changing loan companies, to lower payments and better customer service, I have been given contracts for payment that are manageable, with the PSLF. The contracts are then bought by FedLoan and then I am forced to reapply and/or the payment is higher. As well, a lot of the time, their apps don't work to make payment and service is horrible. 

At this time, I am back in school, so payments have ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I received an alert from XXXX  that my credit report had changed. I logged in to see an account from Convergent for $XXXX   for XXXX  XXXX XXXX. I never received any notice in the mail regarding this debt nor did I receive the right to dispute.  The balance was paid in full to the merchant and the confirmation is attached.

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 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
On XX/XX/19 an unauthorized withdrawal from my checking account was made by cash net I was then find {$35.00} from my banking institution based on insufficient funds.then again on XX/XX/XXXX another withdrawal was attempted by cashnetusa.com unauthorized to my checking account and although B withdrawal request was denied I was charged another {$35.00} for overdraft fees to my account by my bank. 
Again neither of those withdrawal request were authorized by me they were both in error and I have a recorded conversation by phone yesterday XXXX the XXXX  with a cashnetusa.com supervisor her name was XXXX admitting that know they were not supposed to have attempted those withdrawals. As I was uncomfortable with her just admitting that they were in error I demanded that they reimburse me for the {$70.00} fees I was having to pay to my bank and she said that cashnetusa.com would reimburse me for those Vines and then they would accurately with my authorization remove the funds from my account this coming Monday on XX/XX/XXXX and I agreed.they just requested and required me to email them a copy of my statement showing a direct correlation between their attempt to withdraw funds in my account going into overdraft and the vine that was given to me which I did email that to them yesterday on XX/XX/XXXX. 
However later in the evening on the XXXX I received an email from CashNetUSA confirming that I had this conversation with supervisor with their company but did not appropriately define what was stated in that conversation ignoring the fact that they were in error and in the email it was threatened by them that I pay this overdue bill that they attempted to remove from my account early and were unsuccessful now it's considered overdue and they are putting me into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
I never received billing or notice that i owe a debt to them. 
They posted on my credit report without warning or a chance to verify debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or about XXXX I filed a request to have several accounts deleted through the CFPB dispute system, refer to attached previous CFPB forms. 

I had also sent to all three credit bureaus via mail these same accounts to be disputed as well to Experian, XXXX, and XXXX  with no " investigative results report ''. XXXX  replied with a standard credit report, which was not requested, but an " investigative results report '' is what I should have received. Read the XXXX XXXX cover sheet dated XXXX and the initial paragraph narration, its just a printed credit report. Refer to attached XXXX  cover sheet. 

Also, there are multiple addressses on my file that are not mine. I have disputed these addressess with Experian, XXXX  and XXXX  with no results or cooperation.

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 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2019 Chase sent me a letter that stated " We have decided to close you accounts '' it listed my savings and checking accounts ( " We have decided to close your accounts '' ) The letter also included a separate page that stated all my personal credit cards has been closed " because our affiliate is ending their banking relationship with you ''. 
I have tried to contact Chase repeatedly for explanation and reached the Chase Executive Office and all I got " we can not do anything '' and again, there was NO reason given. 
I have been with Chase for around 20 years, I paid my credit cards on time, I paid all annual fees and I strongly believe I do not deserve being thrown out. While I am completely at loss why Chase banking decided to close my savings and checking accounts I do not really care about checking and saving accounts, I do care about credit cards i had with Chase. One of my oldest cards is w/ Chase. 
Speaking of checking and saving accounts, there was absolutely NOTHING, NOTHING done by me to deserve them to be closed as well. 
When i tried to Contact individual departments responsible for Credit cards ( Chase Freedom, or Chase Sapphire Preferred or Chase Amazon CC ) nobody wanted to take a responsibility and accept the fact I did not do anything wrong and were just pointing fingers around ( we did this cause they did this.. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been trying to get my two co-signers released for the past 10 years eventhoug I was doing all the right things. some of the reasons they denied to release my co-signers was, when sallimae transferred my accout to Navient " some of my loans fall off from the auto pay so it disrupt the requirement of 12 consecutive payments to release co-signer '' ; eventhough that was their fault. Second, one of the many agent I spoke to stated that the payment plan that I was place on doesn't allow co-signers to be released when actually that payment plan was offered by an agent who stated that it is the required payment plan to release co-signers. when i increased by payment plan. Because of the increased monthly payment I started strugging financially and started maxing out on my credit cards. I call navient again to ask other options and discuss my struggles to make the payment that was a required plan to release my co-signers. the agent I spoke to stated that " I don't know why your payment was increased, your payment plan before was required payment plan ''. the other reason was my " credit score was not in the accaptable range to release cosigners ''. How can a person maintain a good credit score when making a student loan payment more that a rent. I am not in good terms with my co-signers, they have a lot of resentments toward me and I don't blame them. One thing for sure though, If I new this would have happened to me, I would have not gone to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I filed a company 2days ago to the FTC. THe COMMON WEALTH FINANCIAL IN PA. ACCORDING TO MY XXXX  CREDIT REPORT. A COMPANY THAT HAS NEVER WRITTEN ANY DEBT COLLECTION TO ME. THEY NEVER DONE A DEBT VALIDATION of a debt They just put on inaccurate collection on my report. Now they are retaliating by putting it on my XXXX  report a day after my complaint to the FTC. on XX/XX/2019 HERE is my complaint number with Ftc XXXX. Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: OH

Complaint narrative:
I PAID OF MY XXXX LOAN EARLY. NOT ONE MISSED PAYMENT ON MY REPORT. EQUIFAX DROPPED MY SCORE BY 69 POINTS AFTER XXXX REPORTED THE ACCOUNT PAID IN FULL/CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, a charge was made on Synchrony Bank account in the amount of {$6500.00} which was not authorized and for which no work was done and no contractor 's contract exists. Complainant filed a fraud complaint with Synchrony Bank at their direction in XX/XX/XXXX. Synchrony responded on XX/XX/XXXX with form letter that " Customer benefited from use of card. '' Contacted Synchrony again appealing their reason and submitted detailed information about the fraudulent charge. Synchrony said they would re-investigate matter. Synchrony contacted attorney  representing cardholder on XX/XX/XXXX and discussed complaint and stated they would investigate. On same day, Synchrony sent a form letter dated XX/XX/XXXX, that the " customer released account information to party. '' This is false reason because in XX/XX/XXXX, the contractor wanted to perform work for complainant and said could be done through a Synchrony Bank credit card loan and the contractor obtained the account number and credit limit from Synchrony and provided to complainant. Complainant had {$2000.00} worth of work done and as fully paid off by XX/XX/XXXX. Contractor has performed no work and no work authorized after that. 

Further, Synchrony has refused to work with California attorney on this matter representing complainant unless the attorney provides Synchrony with the attorney 's social security number, stating that is their policy. Attorney refuses to give Synchrony Bank such information. 

The contractor denies they put charge on account, has not produced a contract for work and states they never received payment from Synchrony for the {$6500.00}. 

Telephone conversations with Synchrony Bank have been useless since then and complainant continues to get monthly statement with amount still on card.

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 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
About 8-9 years ago I was getting XXXX supplies from XXXX XXXX XXXX XXXX, a small XXXX   supply. I had an outstanding balance- Little over {$100.00} one year. I was told they would " write it off '' because I had brought them new business. The following year I had an outstanding balance around {$300.00}. XXXX XXXX XXXX XXXX was closing their business and going into other areas. 
One of the salesmen had started selling XXXX XXXX. I helped them get in the door and sell the insurance to my coworkers at XXXX , XXXX At that time we had over 800 employees. 
I was recently contacted by Congress Collections who said I owed over {$500.00}. I thought it was a scam until it was on my credit report.

Company response to consumer: Closed with explanation