vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX charged m card for a service I did not purchase XX/XX/XXXX - contacted chase to dispute charge. 
XX/XX/XXXX - XXXX issued credit to my account per email they sent me. I forwarded the transaction info to Chase. 
XX/XX/XXXX - Chase contacted by letter & asked me to call them. They needed further info XX/XX/XXXX - Emailed letter to Chase with billing information and asked them to remove charge XX/XX/XXXX - Sent above email again & included a copy of a CHAT from XXXX saying they will credit the charge XX/XX/XXXX - Heard nothing. Called Cahse spoke to XXXX. She saw a credit on my account and recommended I wait for call from dispute dept. 
XXXX Charge still on statement but said payment not required. 
XX/XX/XXXX - Spoke to XXXX in Disputes at Chase - stated she will issue a courtesy credit within 15 Business days due to Supervisor Error XX/XX/XXXX _ spoke to XXXX/Supervisor. Was told Dispute dept. declined the credit because the transaction is too old. We got XXXX on the line and was told they processed a credit in XX/XX/XXXX and it was returned by Chase ( they did not post XXXX 's credit to my account ). 
XX/XX/XXXX - I submitted a complaint to the XXXX, XXXX XXXX against XXXX. 
XX/XX/XXXX - XXXX from Disputes Dept. told me he was investigating the XXXX complaint & will contact me back within 2 weeks. 
XX/XX/XXXX - I emailed Chase with XXXX 's credit memo info. to XXXX ( XXXX provided this email address ) XX/XX/XXXX - Emailed XXXX to follow up on investigation. I asked to be called or emailed regarding the status of XXXX 's investigation. 
XX/XX/XXXX - Received letter in mail from Chase dated XX/XX/XXXX. Letter stated they considered charge valid because of the significant amount of time that passed since my account was charged. They also stated the Merchant refused to issue credit ( even though I sent them proof from XXXX that a credit was issued on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
MY LOAN WAS WITH SALLIE MAE, NOW NAVIENT. I BELIEVE THERE WAS ALOT OF FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a personal credit card and a personal checking account with Wells Fargo Bank with automatic credit card payments deducted from the checking account. On approximately XX/XX/2019, I discovered a fraudulent balance transfer to my card from another bank, XXXX XXXX, of approximately {$4000.00} which was fraudulently transferred telephonically by an unknown third-party onto my credit card on XX/XX/2019. I confirmed with the bank that the balance transfer was not done by me, was not from any existing credit card balance that I had, and was fraudulent. Wells Fargo Bank canceled the credit card and issued me a new card, and assured me that the matter would be taken care of. Instead, Wells Fargo Bank deducted the fraudulently added credit card balance from my checking account on XX/XX/2019, in the total amount of {$4400.00}, of which approximately {$4000.00} was the amount that was fraudulently transferred onto the card. I have been trying unsuccessfully since that time to obtain a reversal of the charge and restoration of the money to my bank account. I spent approximately 10 hours on the telephone going through various departments at Wells Fargo Bank, and having been cut off, after being on hold, at least three or four times, and after spending many hours being passed from department to department. They continue to tell me is " being investigated, '' but will not resolve it, and they appear unwilling or unable to get to the bottom of it, or to take care of the fraud problem. They promise to call me back at specific times, but never do, and every time I call, I have to deal with it from scratch with a new person. I am currently out the {$4000.00}, with no way to get it back. I have requested information on arbitration or other available consumer remedies, but they will not assist me, and just say I have to wait for their " investigation. ''

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 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
This issue relates to Citizens bank. 

I signed up for a new Platinum Checking account as part of a new promotion in XX/XX/2018. I was supposed to receive a {$400.00} payment once I created the account and deposited a single $ 1000+ direct deposit within 60 days of the account opening. 

I have talked to multiple bank personnel, through email, phone, and in branch, that confirmed that I signed up for the account during the promotional period, met the direct deposit requirements and that I was supposed to receive the bonus. There have been multiple 'investigations ' that have taken months to resolve. They are now saying that there was no 'promotional code ' attached to my account and that I would not be eligible for said bonus. In the meantime, Citizens Bank has been charging me service charges despite not fulfilling the terms of the agreement.

I do not trust this account for handling my money when Citizens Bank can not deliver upon this promised bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC Systems Collection agency reported a alleged medical debt of {$1400.00} to the credit reporting agency from XX/XX/XXXX I received a credit alert. I contacted the collection agency on XX/XX/XXXX and question the debt and why I was not notified in writing, which the letter was then sent a week after my telephone. I have repeatedly verbally ask the collection agency to validate this debt by sending me documentation and not just a itemized bill. I asked that it can be sent either from them OR the original creditor directly to me due to any HIPPA laws. I have called to follow up on several occasions.Dates of contact were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I kept getting the same response " the original creditor has not responded ''. I sent a electronic request via IC Systems Collections website to dispute on XX/XX/XXXX, again no information was sent and I lastly sent a certified letter on XX/XX/XXXX. This is becoming so overwhelming and is also effecting my credit score.

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 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
I have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I  recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XX/XX/XXXX. XXXX XXXX which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called Gordon, Aylworth + Tami P.C. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My income has decreased and I sent to my mortgage company a request with my financials for the mortgage modification. I was declined because they said I had already had 1 modification within the last 5 years. I don't want to lose my home and Wells Fargo is unwilling to assist me. I have been reading and there is assistance under the XXXX XXXX & XXXX XXXX Modification Flex plan. I have resubmitted my modification request.

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 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase.com represented on their website, and app, that a money transfers take 3-5 business days to complete before funds are available to transfer out ( such as transferring to another cryptocurrency exchange ). After I submitted the money transfer ( on XX/XX/XXXX ) I received a confirmation email stating the funds will not be available to transfer until XX/XX/XXXX. That's 13 business days ( 17 calendar days ). 

They misrepresented the time scale by almost double. Locking up my funds, past an important date for a specific crypto investment I was going to make at another crypto exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
The house mortgage is in my name, my ex-husband is living in the home, he stopped paying on the loan and failed to refinance the home into his name when he was suppose to. 
XXXX XXXX XXXX XXXX  paid the mortgage on the home through XX/XX/XXXX, we are both in financial hardship and I can not pay for this home. XXXX XXXX has XXXX  health issues, we are trying to sell the home but it has been a slow process due to lack of income and XXXX to take care of the land.

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 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
Years back i had a membership with XXXX XXXX  XXXX, It was a No Contract Membership. 
MY Social Security Number was never given to the Creditor. 
I payed for a good year then Cancelled my contract in person with the Representative there. 


I asked the Creditor for Validation of debt AT LEAST 3x through the phone but they have YET to send me an E-Mail.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 {$5500.00} Called Bank of America 4-5 times I overpaid my credit card by {$5500.00} and when requested for a refund check on XX/XX/2019, I didn't receive anything for a few weeks. After a few weeks I called in and a representative told me that they will stop payment on the check and issue me a direct deposit into my account, after a week of waiting nothing happened so I called back in. I got the same response from the rep that payment for the check will be stopped and will issue a deposit into my account. I called in 4 times now, still haven't seen a check nor a direct deposit into my checking account, and the representative keep telling me the same thing. Its been over 5 weeks and I still haven't get my money back yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for a XXXX XXXX American Express Business Card on XX/XX/2018. Based on the promotional offer, I would receive XXXX XXXX XXXX  bonus points after {$3000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership, and a {$100.00} statement credit after the first eligible purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. 

The card was approved, and membership fee was charged shortly after. And I followed the spending requirement in the next 3 months but not bonus points and credit was issued. No communications at all were received from Amex to inform me that I was not eligible for the offer during that period. So I contacted Amex through online chat, and got the response that the sign up bonus on the card was declined on XX/XX/2018, the same day when my card was approved. I questioned if it was legitimate to decline the bonus without even notifying the customer, and instead wait until the customer to contact them to release such information. Then I was told that on the Amex website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, Amex should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). Otherwise, it is considered a deceptive marketing strategy to encourage the customers to pay the membership fees and meet the spending requirements without extending the promised benefits. In my case, I would not have applied the American Express Card if I was informed that I was not eligible for the promotional offer, or my bonus offer was declined on the same day I was applying for the card.

I have my chat history with Amex online representatives on this matter and would be happy to provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
A collection agency named Portfolio Recovery just reported a {$3500.00} collection account on my credit report. I have no idea what this is, and I don't think it belongs to me. Prior to this account appearing on my report, I did not receive a notice of my right to dispute. If I had, I would have contested this debt before they reported it. By reporting it without any kind of notice, they have violated my rights under federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: DISCOVER BANK
State: FL

Complaint narrative:
I had been invited to open a Discover credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for discover on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on discover card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or discovers unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have a student loan being serviced with Navient. My payments are due on the XXXX of every month. This month, XXXX, I was working a lot of hours and realized I forgot to make my payment. When I logged on XX/XX/19 I noticed my loan balance was {$140.00} higher than it was last month. I've been tracking the balance and payment application for a while. I assume this is a late fee, but I was only 3 days late and this seems really excessive. I tried calling customer service and the number I called had two options one to  speak with someone about loan forgiveness and the other sent me to survey about vacation and when I declined it hung up. I tried calling back several times, and each time received a different message and was not able to get the call to go through. I've made several complaints against the Navient as I feel the payments aren't being applied correctly and I've see what appears to be interest charges I don't understand. I've called in the past and have not been able to get a sufficient explanation. Now it appears I can't even speak with anyone regarding my account. I know they have a lot of class action law suites open but what are borrows who have them supposed to do if they can't even speak to someone about their loans anymore?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I submitted several transfers with TransferWise ( one on XX/XX/XXXX for XXXX, XX/XX/XXXX XXXX and XXXX, XXXX, XXXX, XXXX - further details in this image - XXXX ). Of these 6 transfers, none of them went through until we called and spoke with TransferWise on 5 separate occasions, taking us into XX/XX/XXXX. In XX/XX/XXXX, the TransferWise rep told us the money would be refunded into our XXXX account and it would take 10 days. Then, rather than getting the refund, transfers started going through to the US account ( XX/XX/XXXX for {$350.00}, XX/XX/XXXXfor $ XXXX, XX/XX/XXXX for $ XXXX ). Now in XX/XX/XXXX, were still waiting for a refund in the amount of approximately {$400.00} + a refund of the XXXX in transaction fees, which was also discussed with the TransferWise agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: ERC
State: FL

Complaint narrative:
XX/XX/18 {$94.00} I wasnt properly informed of this debris prior to the submission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Services incorrectly applied two mortgage payments in XX/XX/XXXX. This created a delinquency for XX/XX/XXXX payment and beyond. Ive been in contact with SLS since XX/XX/XXXX and the problem is only partially resolved. XX/XX/XXXX-XX/XX/XXXX shoe correct payments on time. XX/XX/XXXX- XX/XX/XXXX show as delinquent and this is incorrect. Ive submitted copies of cashed checks and the problem has not resolved.

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 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I call the collection office and no one is available to talk to me, also let a message and no one call me  back.

Company response to consumer: Closed with explanation