vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
1. On XX/XX/XXXX I reported an unauthorized charge. A merchant stated there would be a XXXX charge for a transaction and charged {$85.00}. I contacted Chase filed a dispute offered proof and was informed to hold on to said proof till necessary. I cooperated with them when contacted. Each time I offered proof and instead of asking that the proof be submitted I was informed that it would be noted in my case. Chase reversed the {$85.00} credit. Chase employees dropped the ball refusing to obtain proof and they take away my {$85.00}. 2. I recently moved from XXXX to XXXX XXXX. Due to the move, there were issues with my check. Today my Chase account is going crazy. It seems that there was an issue with one of my work checks. There was money deducted from my account without my knowledge. I was never alerted of what was going on till this morning. It should be noted that Chase states in their email that the check was returned on today 's date yet, XX/XX/XXXX, after receiving their email and checking my account I noticed that the money was deducted on yesterday 's date, XX/XX/XXXX. The missing money is causing purchases to bounce. Chase is penalizing me for something beyond my control. I am being charged overdraft fees for purchase made with the knowledge that there were insufficient funds in my account. They are charging overdraft and returned check fees for something I was not aware would happen. My account is in a disarray. My next paycheck will be severely affected. I just paid my rent. If I take a hit on my next check there will be XXXX dollars left in my account and as a single parent with XXXX daughters, this would be devastating. Chase is penalizing me for something that is not my

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. Transunion says they deleted the item but XXXX refuses to remove it and that is affecting our XXXX and Equifax report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. XXXX says they deleted the item but XXXX refuses to remove it and that is affecting our Experian and XXXX  report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX  by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.

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 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: DC

Complaint narrative:
I contact XXXX XXXX regarding my application for the XXXX XXXX XXXX XXXX program. Previously, they had provided me inconsistent information about the number of qualified payments I had made and I reached out to them seeking clarify and more information. 

On XX/XX/XXXX, I talked to operator XXXX who stated that there were 23 payments under review and that I would receive a response by XX/XX/XXXX. 

On XX/XX/XXXX I talked to operator XXXX who stated that I would need to wait another 30 days. They reported I had 671 eligible payments and that 13 were under review. 

On XX/XX/XXXX I talked to operator XXXX who said they had no updates and no information. 

On XX/XX/XXXX, I spoke with supervisor XXXX who stated they would send a direct email to the treasury department and hoped to have a response in two weeks. They said I should be receiving/hearing something in two weeks, and that she would follow up if there was no response. 

It is now XX/XX/XXXX and I have not received any response. I still do not have any information or clarity about the number of qualifying payments that I have made for the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BTH Management
State: AL

Complaint narrative:
I received a called today from a collection agency XXXX XXXX. The rep that called, XXXX, stated that they were sent an affidavit on behalf of a Pay Day Loan provider. I wasn't familiar with the charge so I asked the Representative to go over the charge. Once I told him I was unaware of the debt I said thank you for his call, have a good day and I ended the call. Moments later I received a call back from the representative stating I hung up before I told him what I was going to do. I responded, I gave you an answer. I told him what I was going to do was my concern and I will look more into it. The representative goes on to say how I owe the money and when you owe people you should pay and wouldn't allow me to speak at all to where I got so upset I yelled to talk over him but quickly hung up. I realize collection agency reps have to do there jobs however calling right back after the customer has disconnected the call and accusing a customers does more damage than good.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I went to college as an adult learner and graduated from XXXXXXXX XXXX College in XX/XX/XXXX. I was in my early XXXX 's at the time and started a family in the year XX/XX/XXXX. I did put my loan into forebearance for a few years when my child was small and I was only working 2 days per week. 

Sallie Mae/Navient wanted an extremely high monthly payment when I left the forebearance status. Of course I was unable to meet that amount and asked for " options. '' I feel as though I was misled by these options in that now ... .at age XXXX ... .. ( 20 years after the loans were initiated ) ... XXXX owe {$3000.00} MORE than I originally borrowed even though I have been paying steadily since sometime in XX/XX/XXXX. In some years NOTHING went toward the principal .... for example in XX/XX/XXXXI paid {$1700.00} to Sallie Mae/Navient ... .. of that {$1700.00} ... ... a mere {$49.00} went to the principal based on my account history online. This is appalling ... and the interest just kept tacking on!! 

I just recently put a lien on my " paid-off '' home and took out a home equity loan to pay Navient off .... because I don't want them to get another dime from me! However, I feel that if there is some type of illegal practices suit against them, I would like to be considered for reimbursement. If nothing else, let this complaint serve as a means to warn future borrowers against their deceptive tactics. 

I would be happy to provide my name, account information, etc. 

I can be reached at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested that my Experian credit freeze be lift for a specfic time period twice. The freeze is still in effect. I have attempted to contact Experian by phone XXXX and XXXX. On the phone I do not get a selection to reach the customer service people. Thinking I was calling to early I waited 1 hour, still no option for customer service. Experian has assured me when I placed the lift that my freeze will be lifted and gave me a verification number. The freeze remains on my credit. All the options are circular.

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 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: HI

Complaint narrative:
XX/XX/2018 : XXXX XXXX or XXXX XXXX debit card has incorrect balance. There is ( {$57.00} ) missing in my account and the balance online is incorrect! Previously, I had been traveling outside the USA and if this error occurred it could have gotten me killed in a unknown location. There have been many complaints filed about the online portal and ethics of social responsibility involved in this bank. If they can not get an online banking portal correct without an efficient way to contact them, then taxes with social security and retirements appear not valuable to the government who use taxes from crime in this system!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: MI

Complaint narrative:
Ameritech Financial stated that they could help me with lowering my monthly payment with the federal loan agency, that I would still have my payments counted under the loan forgiveness plan and they would be happy to take care of the communication with them directly to process everything. It sounded like they had a great partnership working with one another to help hard working Americans help pay off their student loan debt a little more easily. I made 6 months of payments to Ameritech and none of those payments went to my federal loans nor was the 6 months count towards my loan forgiveness plan. Something told me to check with the federal student loan agency directly and that is when I learned that they were not getting any payments nor were those payments being counted for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: Ocwen Financial Corporation
State: AR

Complaint narrative:
I mailed payments by 2-day priority and it arrived in time. I was reported late because someone didn't apply my payment for several days after they received it and I was reported late. I am being reported late in XXXX because the post office made an error by putting the wrong letter in my 2-day priority payment. I tried to explain what happen, but I am being  reported late again. This is not my fault, but they won't listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2018, I received a phone call from Fifth Third Bank in regards to a late payment for my auto loan. I had called Fifth Third on XX/XX/2018 at XXXXXXXX XXXX to request assistance with that payment, but after a nearly 18 minute conversation with 2 different departments I came to the conclusion that there would be no benefit to having borrower 's assistance and I advised I would make my payment late. At the end of my conversation with the 2nd agent, she verified contact info with me including my phone number, but I did not express any verbal permissions to contact my number or repeal my written cease and desist notice I issued to their company 2 years prior. Today XX/XX/2018, I received a call from Fifth Third, I spoke with an agent that I feel refused to acknowledge that I had already issued a written cease and desist notice that is on file with their company. He stated that I would have to issue another letter to continue a cease and desist on my account while also advising me that during that time they await my letter that I was subject to be placed in a automatic dialer system, which I advised that I did not give permission to be in. I don't recall receiving this man 's name nor do I recall being given any monitoring disclosure or mini miranda for debt collection. I asked for a manager and I spoke to another man named either XXXX or XXXX, whom acknowledged and verified that I had a written cease and desist oh file and stated that per their policy that notice should not be removed unless I have sent a written request to resume contact, which I haven't. During this conversation, this manager also acknowledged I was correct and he understood that this call was a violation of FDCPA and CFBP while assuring me that something that shouldn't have happened today will not happen again in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Ameritech Financial
State: MD

Complaint narrative:
I have attempted to contact Ameritech regarding the payments I have been submitting to them monthly in the amount of {$99.00}. I also paid them document fees that were over {$1200.00}. I have been paying this company for years and this was a complete scam because I could have done the paperwork myself. I did do the paperwork myself. All they did was send it in for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center
State: NV

Complaint narrative:
A company called XXXX continues to claim I am not paying per the agreement. I pay the bill on their website on XXXX-XXXX-2018 for {$100.00} which is more than the agreement. The bill is due on the XXXX-XXXX-2018 they are claiming it did not post until the XXXX. Then send threatening letters that I am not keeping to the agreement. That my response is unsatisfactory. And that the balance will be due in ten days. 

Customer service just keeps repeating claims that it did not post until the XXXX and that it is my fault. Even though on their own website it shows that it was accepted on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
State Collection Service Inc was sent a letter to provide validation of {$1000.00} that they claim is owed to them per credit reporting services.  State Collection Service Inc sent on XX/XX/XXXX and XX/XX/XXXX itemized statements from XXXX XXXXXXXX XXXX Medical Center with personal information of medical procedures and nonmatching account numbers. There is no documentation signed with permission for State Collection Service Inc to have said medical documentation if procedures were provided, therefore HIPAA rights have been violated. Personal information has been illegally obtained, also erroneous accounts have been created. State Collection Service Inc is attempting to collect a debt that is not legally owed to them and/or is falsely created.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I ordered some outfits online paying with my PayPal credit account when I received items from XXXX the items where to small inappropriately to small nd not true to size I contacted company with just a general email asking me for photos with items on to prove they dont fit I responded it was not appropriate to send half XXXX photos since nothing fit I then disputed it with paypal they denied all my claim saying they fit but how do they know it's my body nd the lady at paypal told me to prove it then I tried telling here again they are dresses where my XXXX and XXXX are hanging out nd I didnt feel comfortable going outside in them why would i send people half XXXX photos over seas she didnt know just to say nd refused to transfer me to a manager

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Disputed with the EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX XXXX XXXX XXXX in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Whenever I try to obtain a credit report through Equifax for free ( either as an annual report or due to a denial of credit ), the system won't allow me access to my report. However, if I try to purchase a report, they will provide it for me immediately. In the past, I would purchase the reports because I needed them for something immediately, but now I know I can report this practice. 

On XX/XX/2018, I tried to obtain my credit report due to denial of credit. I went through the online system and successfully supplied my correct information. It stated I was entitled to a free report. When I clicked to retrieve this, it stated " online delivery unavailable '' and gave me the customer service number to call. I called the number and went through the prompts within the automated system and was provided a confirmation number and no additional explanation. The system then stated it would connect me with a representative. The line hung up on me. Immediately after, I contacted the Equifax customer service via chat, and received terrible service. I stated, " I requested my credit report ( I was denied recently ) and when I finished, it said, " online delivery unavailable '' and gave me information to call. I called and went through the prompts, receiving the confirmation code : **********. Then the phone hung up on me. Someone allow me access to the report I'm entitled to. The only time I have issues obtaining my report is when I'm supposed to receive it for free. '' The representative said they could not help me and referred me to the number that had disconnected me. I stated that I would file a report about this issue and they ended the chat without any conclusion from me. 

After the way Equifax leaked so many customers information ( including  mine ), I believe they shouldn't be allowed to operate as an agency anymore. They aren't able to be responsible to its customers or their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: IN

Complaint narrative:
I signed up with Ameritech Financial to help with loan forgiveness. XX/XX/2017 the first payment of XXXX was drafted from my account. There has been XXXX drafted every month since then. 

I also signed up with student loan services that drafted XXXX every month since that time as well. 

I received a letter from the Federal Trade Commission stating that there was a lawsuit with Ameritech Financial and that I should cancel my account with them. I emailed Ameritech Financial on XX/XX/XXXX regarding the lawsuit and inquiring about cancelling my account. 

I will be calling my financial institution as well to put a hold on the withdrawals from Ameritech Financial as well as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation