vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
The dispute is over a {$610.00} charge on XX/XX/2018. The charge should not be on my account because I had received an email from Chase on XX/XX/2018 stating that the charge is declined and that my account will not be charged unless I attempt the transaction again. As a result of the email assuring me the charge was declined, I did not take any actions with the merchant. I did not attempt the transaction again so the fact that it later posted on my account is an indication of an unauthorized charge. The merchant has a 4hr cancellation policy and so when I found out Chase did not in fact decline the charge as Chase said it did, it was already too late for me to cancel the charge with the merchant. 

I have disputed this charge with Chase and provided Chase with the email evidencing the fact that this {$610.00} charge had already been declined by the Chase and thus should not be on my account considering I did not attempt the transaction again. Despite evidence of my not authorizing this charge, Chase refused to credit this amount back to my account. Chase decided to validate this charge and disregard the fact that the XX/XX/2018 email it had sent to me clearly assured me that the charge was declined and that I would not be charged unless I attempt the transaction again. Chase misrepresented the fact that it had declined the {$610.00} charge and as a result, I am now held responsible for a charge that could have been canceled in time had Chase not misled me into believing that the charge had already been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Checking Debit Card Replacements : XXXX - Present + Since XXXX every replacement ATM/Debit Cards were left as open/active accounts even though they were replacements and the accounts closed once the new card was activated + I believe employees were ordering new cards on new accounts and not replacements debit cards + I believe this is the same Issue that XXXX is prosecuting Wells Fargo Bank for currently + I have not contacted a Lawyer, another agency nor have I taken any other actions as I just discovered on Friday XX/XX/XXXX + I would like to be included in the case and settlement against Wells Fargo XXXX open a new case if this merits doing so + The bank claims that their " system '' can not determine who opened these cards nor can their " system '' identify why individuals were allowed to bypass their own XXXX & XXXX protocols that are federally mandated + Their solution was to close all accounts and cards and resend a new Debit card and I said that I needed to take action against them before I would authorize that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient Loan number : XXXX My son has a loan with Navient formerly XXXX XXXX. He took this loan out back in XX/XX/XXXX for {$8000.00}. This loan has been the vain of our existence!!! After school, my son made arrangements to have monies taking from his checking account, agreeing on one specific amount. later he tells me they up the payments, which he could not afford. My mother co-signed for the loan so now the Navient is writing my mother for payment. 

Present day. 

I contacted Navient 's collection department and made payment arrangements. they are taking {$170.00} from my checking account monthly. My mother and I are receiving threating mail and emails from Navient saying the loan is in default. Today, XX/XX/XXXX, I called Navient and asked why are they still hounding us for payment when I've already made arrangements and am making payments to this loan. XXXX informed me that since my son did not call to make the arrangements and have the payment taken from his account the loan will stay in default. I told her that that was a bunch of crap - you're still taking my money for payment. she replied yes. the loan will stay in default for 5 months ( meaning the loan is 5 months over overdue ) even though you're making payments. XXXX also informed me that whoever set up the payment arrangements should have told me that and that my son should have read the TERMS OF AGREEMENT. I told XXXX my son could not afford to make the monthly payment, that is why I, his mother, is making the payment. XXXX quickly ended our phone conversation saying there was nothing else she could do!!! 

We have been making payment on the {$8000.00} loan since XX/XX/XXXX and none of the payments have been applied to the principal of the loan. I am so sick of Navient!!! Something has to be done with this company! they are ripping people off!!! How do I go about getting a lawyer! I need help here! 

XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX Please contact me to discuss. I have ran out of options of dealing with these people!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX financial. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to XXXX XXXX. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX financial. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to XXXX XXXX. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX a creditor has failed to correct inaccurate information in the remarks on the Transunion and XXXX credit report. It has been a merry go round with letters stating on XXXX behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.

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 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had {$20.00} debited from my account for a " non-conforming image '' apparently because the camera in Citizen 's mobile app captured a " bad image '' of what I believe was a computer generated check. I deposited the check on XX/XX/XXXX, and got a generic letter dated XX/XX/XXXX ( on XX/XX/XXXX well after I'd destroyed the check ). 

I was also assessed {$310.00} in overdraft fees ( $ XXXX/each ) -- {$70.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$70.00} on XX/XX/XXXX -- because 1 ) automated debits into my children 's college savings account, ( XX/XX/XXXX ) and 2 ) a student loan payment ( XX/XX/XXXX ) -- processed as 5 separate ACH 's even though it all goes to the same place -- overdrew my checking account. 

I acknowledge that I bear some personal responsibility for this ( most especially the autodebits for college savings ; my bad! ), but I feel that 1 ) notifying customers by form letter over 2 weeks after they used your mobile deposit " service '' is terrible customer " service, '' ( I spent 40 minutes on the phone and had to speak with a supervisor to straighten it out ) and 2 ) because assessing 7 overdraft fees for a student loan payment seems well over the line. I almost can't wait to end my 13 year customer relationship!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This afternoon I received a call from XXXX. This auto-dialed number left a robo-voice message saying that it was from " XXXX XXXX   : a debt collector '' and telling me to call XXXX. I do not have any outstanding debt and I pay my credit card in full every month. So, there is no reason a debt collector should be calling me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I went to XXXX XXXX in XXXX XXXX Florida with a pre approved loan through XXXX XXXX. The dealership insisted i give them my social security number to see if i could get a lower rate through any of their financial providers. XXXX found a couple of banks and gave me my options and proceeded to tell me why a credit union would be a great choice for my financial future and went into more detail about why this credit union would be helpful. She gave me a paper that said congratulations on approval with XXXX XXXX XXXX and i left the facility under the impression that that is who i finances with. She told me to expect my bank information from them within 2 weeks or so. 2 weeks had passed and i had not received any information so i called the dealership back to see what was going on. A new accountant by the name of XXXX told me that XXXX was on medical leave and that my financial institution was Ally financial. I told him that is not what XXXX and i discussed or agreed to and he told me that XXXX XXXX XXXX declined me so they had to pick another institution to put me in. I told him they cant change the financial institution without my consent and he said that they could. After further conversation he said he would get XXXX, their general sales manager to call me to let me know my options. 

XXXX sent me an email apologizing for XXXX mistake and said she was highly convinced that i would get approved with XXXX XXXX XXXX and thats why she told me i was banking with them. He also said it would be at the same rate and monthly payment. I responded to him that its unacceptable to have a person in the finance department giving confirmations to buyers off of being highly convinced. I also explained to him i had no intention on financing with them since i had already been pre approved with my own personal bank at chase but since they insisted i run my credit with them that is what i did. I also told him i wanted to get switched back to chase bank. Overall i was upset at how they handled the situation and their customer service. 

XXXX called me a few days after i sent him my email and told me it would be too late for them to switch over financial institutions and that i would have to apply for a refinancing with my bank and that was my only option. He also said he had a friend that works for XXXX that he would see if they could help me out. 

I havent heard back from him, but i did call chase and apply for refinancing in which they said that i was declined since it would not be through the dealership and they were not willing to take on full liability. 

Im not sure what the end result will be but I do know that at this moment I am now stuck with Ally financial who Ive read is a terrible financial institution to bank with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My CC account was recently closed without any prior notification. I only learned about it when I received a letter stating it was to be closed. I immediately called customer service and was only told nothing could be done other than apply for a new account. Now, if I were to apply for a new account it affects my credit score ; if I allow you to close my account it affects my credit score based upon available credit. 

My husband and I both have 800+ credit scores, I would think I am the client Capital One would wish to keep and there has to be a way to re-open an account that I did not request be closed. Had I received a notification that I needed to use the card to maintain the account, I could have easily done so..that wasn't communicate that. 

I was only provided a fax number to send my compliant to, which I did several weeks ago with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This is my 2nd complaint against ocwen loan servicing. First compliant # XXXX. 
Since the initial compliant I've been inundated with request for duplicate documents. This has been going on for almost a year. Now i received a letter stating i have a new account manager and he is requesting all the same paperwork already submitted months ago! I'm attaching my most recent email to him explaining EXACTLY whats been happening. Now instead of ocwen calling me, like they've always done, now they are calling my boyfriend 's phone leaving messages in XXXX! I've never come across a company with such less than competence and willingness to work with people of all ages, backgrounds, situations and income statuses. All I'm trying to accomplish is reformatting the mortgage to be able to make monthly payments and also to pay back the money i owe. I'm begging a company to work with me and take my payments and i still have no success with ocwen loan servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX i paid my XXXX XXXX Bill with my bank card. The amount was : Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Fith THird bank claims they didnt process it when I I disputed some other chrages on my card. Fifth Third said that the payments was pending. But never told me they were paid. After 14 days they ( Fith Third ), charge back my payments and casued my account to be in the negative as of now. I'm very upset. The people at XXXX XXXX have received their monies since XX/XX/XXXX and not Fith THird is trying to hold me accountable for these payments that was made and thye screwed up. I'm asking for my account to be in the positive and hold them accountable for the monies that thye should have paid to my XXXX XXXX account..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I have received over 23 calls from diversified consultants ( XXXX ) for a debt owed by a XXXX XXXX over the past two years. I have told them I am not him nor have I ever heard of them. When I tell them this they either become argumentative or abusive with foul language. I have asked them to stop calling which they never do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SRA Associates, Inc.
State: MA

Complaint narrative:
Multiple aggressive calls. Misrepresentation that written information about debt had been mailed as requested. Repeated request to fax personal information over even after refusal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
Fortiva a creditor has failed to correct inaccurate information in the remarks on the XXXX and XXXX credit report. It has been a merry go round with letters stating on Fortiva behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I've contacted XXXX 's on several different occasions attempting to resolve an issue regarding a payment they are reporting as " LATE '' on my credit report! I have also sent certified letters demanding they delete the late payment or provide me with proof/verification that my payment was late in the past. They failed to do so, and they have been very unhelpful in this whole process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: DOAN SOLUTIONS
State: NY

Complaint narrative:
I was contacted by Doan Solutions by a guy names XXXX XXXX. As of the date XX/XX/XXXX I have paid {$450.00} to have my loans consolidated by this third party that seemed to know how to get me into a forgiveness program with fed loan. For the last month of XX/XX/XXXX I had an automatic payment set in place for XXXX $ to be taking every Friday up until past XX/XX/XXXX. I was told by XXXX XXXX Agents that I could have did the processing myself free of charge. All services are free of charge through XXXX XXXX & Department of education through the XXXX   college I went too. ( XXXX XXXX College ) I dont know how they came across my information but they got enough money from me for services that are free. XXXX told me that the total amount to get my loans out of default & into a payment plan it would be a total amount of {$690.00}. I have stopped making any further payments from this third party but would like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I filed an original complain to remove this derogatory mark on XX/XX/XXXX. In the response to that claim XXXX XXXX, XXXX stated that the debt that does belong to me. XXXX XXXX, XXXX also stated that they send and the mail to me which I never received. My last name is spelled incorrectly and the last 4 digits of the phone number listed are not the digits for any member of my family plan. 

My payment history with XXXX is included below to showcase that over the past year my balances were always paid off in full, including the payment in XX/XX/XXXX. 

I have spoken with a XXXX representative XXXX ( XXXX ) @ XXXX who assured me that my account is in good standing and has no issues at all and prompted anyone questioning it to contact him directly for references purposes, in order to confirm my statement. I've attached XXXX ( XXXX ) @ XXXX email

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