vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have multiple accounts with Chase. One of the accounts was overdrawn and I was charged 2 NSF fees that I didn't dispute because they were valid. Then 2 weeks later, as soon as my direct deposit came into my other account, Chase collection department moved {$200.00} from that account without a courtesy call or notice. I had 2 items scheduled for that account for {$110.00} and 45.XXXX On XX/XX/20, I checked the account via text message and the items had not posted yet. To my surprise, the next day on XX/XX/20, I get an alert that my account is overdrawn and i have a NSF fee. I contacted Chase and told them first they caused the account to be overdrawn by moving funds without my knowledge, and second, that NSF fee is unjustified because the item did not post on XX/XX/20, based on the balance i received via text message and i forwarded them a screen shot with the balance date and time. The NSF fee was refunded. That same day XX/XX/20, I managed to deposit {$1000.00} to cover both items. Again I went online and saw that the {$45.00} was already paid and the {$110.00} and the {$1000.00} were pending and my balance was about {$850.00}. So I was fine. If I wasn't, I would have moved money from so n't account to cover the {$110.00}. The next day on XX/XX/20, to my surprise again, the {$110.00} had been returned and another {$34.00} NSF was posted on my account. I contacted Chase to not only dispute the NSF but the return which will cause me another fee with the other party. In one of their responses, Chase stated that they normally process credits and then deducts debits. Which clearly shows that the return was unjustified. Chase certainly keeps track of log-ins and can see that I did log into my account on XX/XX/20 and my balance was positive and both the {$1000.00} and the {$110.00} were pending. 

Chase is a predatory bank that charges bogus NSF fees for items that haven't even posted on dates they claim they have. Luckily I had the text message to prove that the first NSF was incorrect. For the second one, because i was on their website, there is no screenshot. But they should be able to verify that my balance was {$850.00} The return of {$110.00} is unjustified and they need to look into why it was returned. 

My balance is low at the moment, but I had over {$30.00}, XXXX deposited in my accounts in the past 6 months. {$14000.00} severance check in XXXX and another {$8000.00} from my XXXX in XXXX and a weekly direct deposit since XXXX from my new Job. Prior to that I had $ XXXX or $ XXXX deposited each month for the past 10 years. Having a low balance is not a crime and should not be an opportunity for Chase to prey on people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: TN

Complaint narrative:
I've been receiving calls since XXXX of XXXX for an alleged debt for XXXX, a cable company in a former residence of mine. I never had an account as cable was handled 100 % by the apartment complex and included in rent. 

Nonetheless I asked for account details and they had dates that were completely wrong. I didn't even live in the city when they stated my account started. I verified this with XXXX as well. 

I have asked for proof of this debt, given Credit Protection Associates my address, and they have not sent a single thing. 

The " proof '' they have is not accurate and I have not witnessed it myself. 

*Note* A different company attempted to collect for this same debt in XXXX and XXXX had 0 record of my account, but now they claim to. How could I not have any information in XXXX, but suddenly do in XXXX? 

I originally submitted a complaint in XXXX of XXXX with the CFPB. Case 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 2020-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendleton Capital Management
State: TX

Complaint narrative:
I have been getting private calls from this company for about a month.They leave prerecorded messages stating a file has been placed on there desk if I dont call back by close of business they are going to take legal action. The 1st call today XX/XX/20 was around XXXX or XXXX, the 2nd call was around XXXX. I auto dialed them back advised the rep that I spoke to a rep last week told them to stop calling my cell number contact me by mail. The lady stated they have not called me I advised her you call everyday and leave messages dont call me again. I asked for her name and number she said XXXX at ext XXXX. XXXX. She gave me her last name I was too heated to write it down. I advised her I was going to report the company. She said you owe a debt, she called me a name, I hung up. She called right back at XXXX I answered what, she said you are stupid. I said it takes one too know one and hung up. The name from the number she called back on says XXXX XXXX That was unnecessary and harrassment, not to mention very unprofessional. I know there are laws against this, ( 3 ) calls from the same company less than an hour,  threathening messages, and harrassment. She needs to lose her job and the company needs to be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I closed my Citi XXXX XXXX XXXX XXXX account on XXXX XX/XX/2019. Then I called citi bank to transfer my Citi Thank You points from Citi XXXX account to Citi XXXX XXXX XXXX XXXX account.

Agent told me that approx. XXXX Thank You Points will expire on XXXX XXXX so I redeemed approx. XXXX points by XXXX XXXX. 

But another XXXX points expired on XXXX XXXX. I was not aware about this and neither I got any notification regarding this. I was acting on the information given by Citibank Rep. 

Also, on XXXX, there is no way to check how many points are expiring. So I could not have known the exact amount of points getting expired.

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 2020-01-13 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: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
Sterling Jewelers continues to sale and resale account which was never provided with a validation of signature and contest to contract. Company hired XXXX XXXX XXXX XXXX to send threating letters to address with aggressive calling. Disputed this once before and Sterling never validated request and did not comply to request according to FCRA Guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: TN

Complaint narrative:
Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Once I had a steady income coming in I started making payments consistently and pay more than amount due. I've tried to get a goodwill adjustment for my student loans two years ago with no success. During this time I was building and correcting my credit report so my wife and I may purchase a home. In XXXX of XXXX we were able to do that. Now we are looking to refinance to receive a better rate but I would need the late payments removed. I would like to have the late payments removed or at least adjusted to one per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Negative remark appeared on XXXX and XXXX   in the amount of XXXX. Was not advised payday loan would impact my credit after filing bankruptcy XXXX several payday loans were being offered XXXX XXXX being one of them. On my report it shows Buckeye credit solution who never contacted me about this amount due. They have now sold the dept to XXXX XXXX who i have never heard of or from until XX/XX/XXXX reached out and was given no explanation why I wasn't contacted about them selling my dept to XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Negative remark appeared on XXXX  and XXXX   in the amount of XXXX. Was not advised payday loan would impact my credit after filing bankruptcy XXXX several payday loans were being offered XXXX XXXX being one of them. On my report it shows XXXX XXXX XXXX who never contacted me about this amount due. They have now sold the dept to National Credit who i have never heard of or from until XX/XX/XXXX reached out and was given no explanation why I wasn't contacted about them selling my dept to National credit solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In 2014 my wife and I had begun filing for bankruptcy but cancelled the filing when we found we were able to settle our debts without doing so. A recent credit inquiry shows this bankruptcy as dismissed but we never completed the filing or followed through with it. We have tried disputing this information with the credit bureaus but the reporting is still showing on our credit profiles.

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 2020-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
To whom it may concern, I'm writing regarding two accounts that Portfolio Recovery has reported on my credit report which is not in accordance with the fair credit reporting act. The information is not 100 % accurate. I also spoke with XXXX XXXX of the Kansas office operator number XXXX, and XXXX XXXX of the Kansas office, both did not produce the requested information. I asked for a copy of the original agreement show my signature or driver license they both refused. Then I spoke with XXXX XXXX who stated he was the operations manager, and the highest available person. I explained to XXXX the XXXX that Portfolio Recovery is using is not for public use, and that it belong to my trust. I also offered to share with XXXX my federally recognized documents naming me as one of the owners of that TIN number and trust. I would like the CFPB to have them delete the slanderous comments from my credit report on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech Loan was paid off on XX/XX/XXXX I forgot to cancel automatic payments and accidentally sent another payment of XXXX on XX/XX/XXXX after payoff was received. 
I never received this overpayment back and contacted Ditech by phone on XX/XX/XXXX. 
I informed them I would be out of the country and to please send reimbursement electronically to my bank and suppled all requested documentation via fax. 
As of XX/XX/XXXX I still had not received my reimbursement and called Ditech again. I was told it had been processed on XX/XX/XXXX. I was told it would be re-processed as soon as I re-sent all previous documentation as well as my bank statement to prove I had not received it. I faxed this immediately. 
As of XX/XX/XXXX I had still not received anything so I contacted Ditech again. I was told this time that a paper check had been mailed on XX/XX/XXXX. I informed them that this was not helpful as I need it sent to my bank directly since I am not in the country and this would be the third time I supplied them with the account and routing numbers and why didn't the previous rep tell me that? 
At this point Ditech has withheld MY money for 45 days. This is grossly unfair and I can not help but wonder what would happen if I was dependent on that money for basic needs? 
Does this not amount to theft when a company is keeping your own money from you? They are also placing an unnecessary burden on the consumer as I must continue to supply evidence and fax and call to get my own money back. 
I was actually initially told on XX/XX/XXXX to call back in 7-10 days to find out the status! When I complained that this seemed unreasonable and asked to speak to a supervisor I was told they were not available but then told it would be processed in 3-5 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 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: PA

Complaint narrative:
XXXX XXXX continues to sale and resale account which was never provided with a validation of signature and contest to contract. Company hired XXXX XXXX XXXX XXXX to send threating letters to address with aggressive calling. Disputed this once before and XXXX never validated request and did not comply to request according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
PAID DEBT TO PORTFOLIO RECOVERY SERVICES PER THEIR DEMAND LETTER IF THE DEBT WAS PAID PER REQUIREMENTS, THAT IT WOULD BE DELETED FROM THE 3 MAJOR CREDIT BUREAUS IN 30 DAYS.

IT'S BEEN MORE THAN 30 DAYS. THIS HAS NOT HAPPENED. 

XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
However I have not had any account and inquiries with this companies. I dont believe that this account are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

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 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: MO

Complaint narrative:
XXXX 2019 got card from discover some hacking into account XXXX can boost cefit score balance manipulated app process was being sabatoged

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
PAID DEBT TO XXXX XXXX XXXX PER THEIR DEMAND LETTER IF THE DEBT WAS PAID PER REQUIREMENTS, THAT IT WOULD BE DELETED FROM THE 3 MAJOR CREDIT BUREAUS IN 30 DAYS. 
IT'S BEEN MORE THAN 30 DAYS. THIS HAS NOT HAPPENED. 

CAPITAL ONE ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In 2014 my wife and I had begun filing for bankruptcy but cancelled the filing when we found we were able to settle our debts without doing so. A recent credit inquiry shows this bankruptcy as dismissed but we never completed the filing or followed through with it. We have tried disputing this information with the credit bureaus but the reporting is still showing on our credit profiles.

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In 2014 my wife and I had begun filing for bankruptcy but cancelled the filing when we found we were able to settle our debts without doing so. A recent credit inquiry shows this bankruptcy as dismissed but we never completed the filing or followed through with it. We have tried disputing this information with the credit bureaus but the reporting is still showing on our credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: AZ

Complaint narrative:
State Farm Bank is reporting a late payment on my credit. The problem is when paymets are made or due they can be seen online. The amount due and dates are not displayed and online statements are not available. I was told " that because my loan was considered a modified loan it is not treated the same as other loans and that access is not like their other loan. My compliant is that my credit shouldn't be impacted because of the problems and access in their internal systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information has been illegally obtained and use to charge unauthorized accounts that I did not even know I had until they were already calling me from collection companies. Please help me get these fraudulent accounts removed off my credit report in a timely manner as the credit bureaus have not been much help unfortunately. Thank you in advance for your help in this matter.

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 2020-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cash Max LLC
State: CA

Complaint narrative:
Cash max representative harasses me daily with threatening phone calls that do not stop! I demand payment to me for {$1000.00} for this harassment which is against the law.

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 2020-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information has been illegally obtained and use to charge unauthorized accounts that I did not even know I had until they were already calling me from collection companies. Please help me get these fraudulent accounts removed off my credit report in a timely manner as the credit bureaus have not been much help unfortunately. Thank you in advance for your help in this matter.

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 2020-01-13 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: FL

Complaint narrative:
My information has been illegally obtained and use to charge unauthorized accounts that I did not even know I had until they were already calling me from collection companies. Please help me get these fraudulent accounts removed off my credit report in a timely manner as the credit bureaus have not been much help unfortunately. Thank you in advance for your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
However I have not had any account and inquiries with this companies. I dont believe that this account are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

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