vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
On mother 's day someone charged XXXX {$40.00} gift cards to my Target credit card account. My card has a {$200.00} limit and it was paid off. I called target right away and they said my account would be disabled including my online account. It is now XXXX XXXX. I am calling them again for the XXXX time and they keep asking me what the issue is. THey said they would send some paperwork so I could sign it that allows them to investigate these charges. They took a payment for my credit card out of my checking account on XXXX to pay for some of the balance even though I had a XXXX balance and the {$200.00} is still on my card. Every time I call I get the run-around. No one seems to want to help me. Since this hack XXXX my debit card with my bank have been hacked as well. I no longer know what to do. I ca n't log into my online account to stop the payments on the card because it is disabled. But they must not have disabled the billing. Please help. To further complicate things my name changed from XXXX XXXX to XXXX XXXX because I got married in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My home mortgage was bought out by Chase after closing on my house. My PMI was suppose to drop off once my Loan to Value ( LVT ) ratio hits 80 %, my LVT ratio has hit 65 % and the PMI still has n't dropped off. I have contacted them 3 times and they are unwilling to drop it off saying I am not eligible, when the law and terms clearly states it drops at 80 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have cancelled XXXX of my XXXX Chase visa cards last XXXX and that there was activity or transaction in since XX/XX/XXXX. Much to my surprise, I received a statement from Chase stating yesterday that I am responsible for annual membership of {$75.00}. I called and spoke three different representatives today, including a supervise but that did not resolve the issue. I simply asked them to cancel the account and reverse the charge erroneously posted on my cancelled credit card account. I also told them I cancelled the account last year because of {$1500.00} credit that was insufficient for my law firm office expenses. Additionally, I have told that I have been happy to use my other credit card with Chase that gives me much higher credit limit. They billed me for the annual membership on XX/XX/XXXX and today 's only XX/XX/XXXX, and cancelling and reversing the charge should not be a major issue for them. They were unwilling to listen to my concerns and questioned my integrity that in fact I called and cancelled the account last XXXX. They have given me an impression to force me to keep this account open, which I am unwilling to do. I would appreciate your assistance with resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I believe that Chase bank may have sometime in and around 2009 sold my account and sold it to a 3rd party junk debt buyer who may have proceeded to take legal action against me and even though my debt with Chase had been paid in full, yet still the account had been sold to another 3rd party. I am not even sure if this account even belonged to me, yet chase negligently and deceptively sold my information to a 3rd party company and has continued to disseminate inaccurate information regarding my account to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CT

Complaint narrative:
THIS IS NOT MY DEBTDear XXXX, Dear Billing Dept Manager, I am writing this letter to confirmed that this is not my debt. And stop contacting me. 
I do not have any responsibility for the debt but you 're trying to collect. And you did send to RPM Collector. 
I am very upset to received this notice from you and RPM Collector LLC. 
I have paid on XXXX/XXXX/2015 with total {$100.00} by my credit card XXXX at XXXX XXXX XXXX # XXXX XXXX, XXXX, CT XXXX. ( Reference receipt ). After 7 days I have received XXXX more bills, I did call to Customer Service to make sure, and the teller told me " you paid already ''. Later a week, I am still received XXXX bill and RPM Notice on XXXX/XXXX/2015. 
And I did send the letter to answer about this debt at RPM on XXXX/XXXX/2015 but I am still received another letter to collect money from RPM again on XXXX/XXXX/2015. 
So I need you have to verify with your Billing department 's XXXX about this problem. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 
If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your help, Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
In early XXXX 2016, I establihed a cross-border account with TD Bank, N.A., XXXX. XXXX XXXX, XXXX, XXXX XXXX. The account showed up on the TD bank website with my XXXX accounts. I was told the account would not be open until 1. Sent back the signature card -- which I did not 2. Put a {$100.00} into the account -- which I did not I did not know how to use the account. I needed to take the time to speak to someone knowledgeable. 
The computer in error sent a statement for the unopened account I was charged {$1.00} I went in to the system and switched to online billing. 
The collection department demanding payment of {$36.00} told me the account should have been closed automatically within 30 days ( by the beginning of XXXX ), since I did not do # XXXX and XXXX, above. 
I received a letter dated XXXX XXXX. The letter demanded payment of {$36.00} for fees and overdraft charges. I paid the demand on XXXX XXXX, 2016, by giving the person in the collection department my XXXX account number to my XXXX XXXX XXXX account. 
The account is now closed. 
I have been told on XXXX XXXX, 2016, that TD Bank is going to keep the {$36.00}, which by their own admission should not have been charged for an account that was never opened. They admit the computer automatically sent a statement, even though the account was not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made 2 payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have made several attempts to get my loan payment reduced ( even prior to filing Chapter XXXX bankruptcy ) but no one at the XXXX seems interested. Currently, I only make {$50000.00} a year gross and that is not taking into account deductions for taxes, XXXX insurance, child support, and school tuition for the my child along with daily living expenses such as food, gas, required auto and renter 's insurance, etc. The most I could pay a month is {$50.00} a month. However, with the interest rates the XXXX has set, I would not even make a dent in the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Today, XXXX XXXX, 2017 is the 3rd time I have requested CHASE The MIP to be cancelled/terminated. 
Again, note : I have made LTV ratio and paid the Five years premium. 
Please cancel/terminate the MIP. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
LRS continues to call me, insult me, and harass me multiple times a day. Not only did I pay the debt on XXXX/XXXX/2016, but XXXX XXXX rescinded the debt after they realized my account was not handled properly. Both XXXX XXXX and myself have repeatedly sent them information sufficient to close the account, yet they are still trying to collect and continue to reinstate the collection on my credit reports every time each bureau removes it due to my filing a complaint with sufficient evidence to remove same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
Company that 's reporting to my credit file under false/unlicensed name. In my credit file it shows as " Campus Partners ''. However, this particular company does n't exist or registered any state. After some digging I found out they are registered as XXXX XXXX XXXX. 

The problem is this particular company does n't respond to any of letters I 've sent to prove the Debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Regional Management Corporation
State: SC

Complaint narrative:
debt collection remaining on credit report after 50 days dispute process, violation of FDCPA, credit reporting on all XXXX bureau, disclosure of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Eastern Asset Services LLC
State: OH

Complaint narrative:
I have a credit card with XXXX ( a dept store ) I tried to keep up on my payments but I fell behind and they sold my debt to a collection agency Eastern Asset Solutions LLC. I contacted them and they did not identify who they were they just answered the phone like they were at home or something. I also set up XXXX payments before the end of the XXXX payment I was to call and set up XXXX more so when I called to do that he said they already had it set up for the next XXXX but I had n't authorized that when I questioned it and told him to not take any more money out of my account because I did not trust this company he got very irate and started threatening me with a higher balance and said this is n't going to go away I told him I know I owe the debt and I want to pay it but I 'm not paying it to you and then he started yelling at me and would not let me talk and eventually hung the phone up on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XXXX XXXX, 2014 a complaint ( XXXX ) was opened against FirstBank of Puerto Rico. 
The case was closed, the company responded to the complaint on XXXX XXXX, 2014 at XXXX. During that day FirstBank did XXXX a Hard Inquiry ( without written consent ) and the a Soft Inquiry on the Credit Reports of my wife and mine. The purpose was to provide cfpb with evidence that the account was showing on the Credit Reports. Please refer to Exhibit XXXX of the complaint number XXXX. The same date we requested FirstBank to correct the Hard Inquiry. As of this date there has been no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I Have sent several certified letters to Receivable Performance regarding a debt that they are trying to collect. The debt originated through XXXX and is not my debt. XXXX has already closed XXXX of the accounts and needs to still close the other. I have written several certified letters to both companies. Receivable performance stated that they were going to close the account and send a letter to all XXXX reporting agencies, but it is still listed on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
Collection Consultant, a collection agency, reported to XXXX & XXXX that I have a balance to XXXX XXXX {$80.00}. 
The actual balance was {$1000.00} but the way they reported it was misleading. They claimed that there was a high balance of {$920.00} and an open balance of {$80.00}. The truth of the matter is that, the account had been paid in full since XXXX XXXX, 2015 with a XXXX time payment of {$1000.00}. The said agency became fully aware of such payment when they requested copies the attached proof of payment which was faxed to them on XXXX XXXX, 2015 at XXXX XXXX. To make things worst, they also reported the same report on my husband 's credit report despite the account being under my name alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
continued attempt to collect the debt which is not mine, also hitting using various sources in different names, heading and hitting my credit history via credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: FL

Complaint narrative:
In 2008 I attended XXXX University in XXXX off XXXX and XXXX while attending XXXX University I was only known of the XXXX XXXX loans I had. While going to the school they kept telling me I did not have enough money to continue that I had to keep taking out loans just to continue. Right before I graduated they told me I did n't have enough money to XXXX that I had to take out another loan before I can XXXX an at that time is when I found out I had a XXXX lending loan. Then after XXXX i ask for my XXXX to find out they took more then XXXX loan out on the same day at the same time. I also find out that they XXXX about how much money my XXXX will cost it was suppose to cost about XXXX an when i XXXX it was almost XXXX. I was also suppose to XXXX after XXXX years and i did n't XXXX till about XXXX years. Then after XXXX and continuing XXXX i was told i can continue with my XXXX even if i had a XXXX record and it withhold of adjudication. well I just found out that i wasted my time at XXXX and XXXX college In XXXX to get my XXXX and almost my XXXX and XXXX wont even let me withdraw when i told them my situation. Even though they said i am not even suppose to be certified but they still wont withdraw me. I told genesis lending of my situation but they wont drop the loan. I do n't feel I need to pay any loans because it was more then what i was told and I was lied to just so they can get money I wasted my time when I could of went to XXXX for something else.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
They keep calling me although they have the wrong name. I told them in so many words but they still call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
When I 'm not able to make a payment on time I get continuous phone call starting at XXXX XXXX at night if that 's not happening I get letters put in my door I have a stack of letters also I can make an arrangement with them and they will still call or come and put letters in my door it went as far as them calling my daughter and I did n't have her down as a contact she tried to apply for a loan I have been threatened by the workers I work a XXXX shift and they are closed when I get off I 'll try to get money orders and pay I 'm a single parent I surely do n't need XXXX stress on me I 'm tired of it please help I 'm doing my best

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending
State: VA

Complaint narrative:
I had a genesis lending loan, that has been charged off, it is appearing on my credit report and weighing it down a lot. I have called genesis and was redirected to another company phone number XXXX, they do n't seem to have any information on me, I called called XXXX whose name appear on my credit report and they do n't have any information on my loan. I have trying to get information, no one seems to know or have any information about me. If I CA N'T GET INFORMATION, I WANT THE REPORT REMOVED FROM MY CREDIT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, I had XXXX fraudgelent charges on my debit [ checking ] acount. XXXX " fell off '' XXXX remained, I filled out the form, that day. Iwas told 7 days it woud be returned XXXX XXXX charges remained. After 10 days the money was not returned, I was then told It was an out of country fraud, another " international form would ned to be filed, which I did asap. on XXXX XXXX. The bank accused me of using this site previously and the case was closed { it is an XXXX dating service, I am almost XXXX years old. ] I never did! the rep. XXXX was horrible to me! Although XXXX of the XXXX were reurned, they were giving me a horrible time. I then reached out to the branch fri.XXXX. spoke to the manager XXXX XXXX XXXX, she would return the money XXXX to my account. It was not, On the XXXX I rechecked and still not! as of today XXXX. it is still not been returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
Arnold Scott Harris, attorney at law, issued a letter via USPS mail that I owe XXXX. The amount due for payment does not match the total amount balance in the description in the bottom of the page. They also claim to be an attorney or is communicated by an attorney ; threaten that my property and XXXX from bank account would be seized. It does not even say I can dispute this bill and that paying this debt could stop collection activity. This bill is fraud and should be vacated. I would like other payments made to Arnold Scott Harris to be investigated for the legitimacy of the bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation