vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On  XXXX   XXXX ,  2017 , a charge was submitted in the amount of {$75.00}, to Bank of America via my debit card from   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  VA  XXXX . Bank of America returned the charge as a check/item and charged my account a {$35.00} insufficient funds fee for each debit card transaction. This is a practice that has been repeated. However, if the debit card were used at the establishment in person, the charge would have been rejected immediately and no fee would be charged.     I contacted Bank of America on  XXXX   XXXX , then again on  XXXX   XXXX  when I spoke with a superviso r [   XXXX   ] r egarding the policy of charging a fee for the use of a debit card, when it 's used without being swiped or inserted directly into a credit card reader. According to  XXXX , the vendor received initial authorization for process the charge, however, they took too long to complete the process. Therefore, by the time the charge was completed the bank is within its right to charge a fee, even though the debit card was used.     If in fact the bank issued an authorization to the vendor, I should not be penalized with a fee once the process is completed. For this reason, Bank of America should refund all fees that were associated with debit card purchases or payments.

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 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, Your company has been falsely reportin g   XXXX    acco unts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning  XXXX  years old. As of   XX/XX/17 ,  Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my   XXXX   and   XXXX   report. These accounts are under a different name, with my  SSN,  opened years before I had turned  XXXX . BOA seems to have noticed the inaccuracies since they were deleted off  XXXX  CRA 's, but  XXXX  is still reporting. I disputed  the Line of Equity a nd Mortgage that remain on my  XXXX  credit file on   X/XX/17     only to be contacted by  BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to  XXXX  only.  XXXX  advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.

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 2017-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
On Thursday,   XXXX   XXXX  2017    I received three consecutive phone calls at   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   from (  XXXX  )  XXXX . The first  two  phone calls each rang once and then ended. I picked up the third call at the first ring, as I was able to recognize the number from the  two  previous calls. When I answered, the phone call immediately ended. I called the number back at   XXXX   XXXX  . After it rang once, an automated message said, " All of our representatives are busy. Please hold. '' Almost immediately, a woman came on the line. I told her that I had three missed calls from this number and would like to know who was trying to reach me. She responded by asking me to verify my name  (  first and last ). Being completely unaware of who was calling, I responded by asking, " Who is calling? '' She again said my name and asked me to confirm that it was me calling. I refuse to give or verify my name to someone I do not know, so I asked her to tell me who was calling again. She put me on hold. After a short pause, a second, different woman came on the line telling me she was trying to reach  [ my na me ]. I told her that I would not verify anything until I was told who was calling ME three times in one night. This went back and forth a few times until she raised her voice. In an extremely abusive and disrespectful manner, she informed me that I " MUST STOP YELLING AT HER! '' I was in no way yelling, but simply asking her to tell me who was calling my personal cell number. I again told her I would like to know who is calling. With her voice still aggressive and loud, she yelled, " THIS IS  PHOENIX FINANCIAL! '' a nd hung up the phone.   I called the number back at   XXXX   XXXX   and spoke with a third woman, named  XXXX   XXXX . I asked to speak to a supervisor and she put me on hold. She returned to the line and informed me that everyone had left the building and she was the only person left since they close at  XXXX . I told her that I had just spoke to  two  people just before and would like to know who I could talk to now.  XXXX  told me that I had previously spoken to a supervisor named,  XXXX . I informed  XXXX  of my frustrations and she said I would have to call back tomorrow in order to reach a supervisor.  XXXX  also informed me that their calls are recorded. I hope you can listen to that recording to see just how rude  XXXX  was. Their approach is very secretive and suspicious as they call you multiple times, demand that you verify your identity, all while refusing to tell you the name of the company calling or any other telling information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
RE : CFPB case numbers :  XXXX  ;  XXXX  ;  XXXX  ;  XXXX .      XXXX   XXXX  and I agreed to a payment plan to keep my disconnected account in a current status, and autopay was set up on an agreed-upon payment schedule. After a couple of months,  XXXX  sent my account to collections without notice. I paid a deposit via telephone to the collection agency,   XXXX   XXXX  , and proceeded to obtain another payment plan. Several months later,  XXXX   XXXX  resells my account to  XXXX   XXXX . Meanwhile,  XXXX  and these collection agencies continue to not honor our agreement when they cancel the payment plans without notice, and while they continue to add collection fees with each new subsequent collections agency. The response from   XXXX   XXXX   advises me to contact  XXXX   XXXX  directly.  XXXX  states they no longer have the account as it has been sent to collections. All parties pr  ovide conflicting information!
*** U  PDATE  XXXX / XXXX /   2017  :  XXXX   XXXX , o  r one of its agents, has now resold my account to Receivables Performance Management LLC ( " RPM '' ).
Please view the attached PDF files for furthe  r information regarding relevant CFPB cases.

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 2017-05-26 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: PA

Complaint narrative:
I had started repaying my private student loans in the middle of  XXXX . I was having no luck finding a job in my field of  XXXX   XXXX , was only making $  XXXX  at the time and was struggling to pay my bills. I was given some financial help for my loans, and eventually had been paying  (  $  XXXX   )  more than the minimum, in order to catch up on the previous payments I had missed. In    XXXX   XXXX   XXXX  , I had left my job in order to further my career and started a new job. In   XXXX   XXXX  , w e were told we were being laid off. I was not able to afford paying my student loans anymore.      In   XXXX   XXXX   XXXX   , I spoke to a representative from Navient who told me " once you get your unemployment check, give us a call and we 'll work out a payment. '' My unemployment checks were, at most, {$250.00}. I told the representative I would not be able to afford any payments, as I have rent and other bills to pay. Being unemployed still did not matter, as Navient had continue to call me upwards of 7 times a day, trying to get a payment from me.     On  XXXX   XXXX  and  XXXX   XXXX , I had paid {$10.00}, because its all I could afford. On  XXXX   XXXX , I paid {$20.00}. I paid when I could, and how much I could.     Shortly after, during the week of  XXXX   XXXX , I had received a letter from Navient, threatening legal action on me and my fath er ( co-signer ) if we   did not make a payment. I had called after reading the letter and explained my situation to the woman. While she was sympathetic, she told me there was nothing else that could be done, and my monthly payments are {$1100.00}, which is about what I make month at my job. She told me unless I make a payment, then my name will be handed over to a lawyer. I offered to pay {$100.00} a month, or asked if there was any way to defer payments for hardship until I make more money or find a better paying job. I was told no. We went over all my monthly expenses and even though we both knew paying anything over {$50.00} a month is too much for me, I was told I had no other choice.     I can not make these payments. Every representative I have spoken to at Navient has not been flexible or willing to work with my income. It 's absurd to expect someone who makes {$1200.00} a month to pay anywhere from $  XXXX  {$1100.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
A while back I was contacted by  XXXX   XXXX  about a credit card debt. I informed them that I had not opened credit card account with them. I also requested at that time to send me a copy of the application bearing my signature as proof of this obligation. I never got anything from  XXXX   XXXX  but a letter stating they had sold my account to  Portfolio Recovery Associates. When I received a letter from Portfolio recovery I replied with 2 certified letter s requesting proof of the debt, that proof being a signed application bearing my signature proof that this was my obligated. So far all they have sent me is statements which they claim is proof of the debt, which it is not. I explained to them that they purchased bulk debt from  XXXX   XXXX  without checking its validity. This debt is NOT mine they have FAILED to provide valid proof, that being a signed legal contract which bears my signature. Recently a negative mark was placed on my credit report noting this invalid debt. They statements they have sent are not proof of a legal obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I previously submitted a request for a 'proof of debt, ' in order to see if this debt is actually mine. I have been curious since ProCollect called me back in XXXX about this debt. After several attempts and many phone calls to get ProCollect to validate my debt, they finally did after I submitted my first claim to CFPB. ProCollect ended up sending me a document, only one that was provided by the apartment complex with the XXXX logo on it. All documents must be presented when requesting validation of debt. There are several things that concern me about the document ( s ) : 1. This is not my signature. This is not my handwriting. This is hardly even my information other than my personal info. I can definitively prove this. 2. XXXX XXXX XXXX, the actual lease holder is a career criminal that already has a record of fraudulent activity. 3. My great grandmother is also listed on the lease as another occupant. My great grandmother has been sick with XXXX and I can guarantee you her information was also illegally obtained. So this is two fraudulent criminal complaints. 4. What scares me is that XXXX XXXX is a career criminal and if she would of requested validation of debt, then she would NOW AGAIN have my social security number. Going forward, I would appreciate that you would white out my Social Security Number and my great grandmother 's SS #. This is simple Credit Law. Consumer Credit Collectors CAN NOT SHARE SOCIAL SECURITY NUMBERS with other consumers, regardless of the situation. 5. I have sent XXXX XXXX several emails, along with his associate XXXX XXXX to resolve this since and they refuse to answer me on how to proceed. I am fed up and if I would of seen the supporting documents back in XXXX 2016, I would of had this taken care of by know. If I do n't receive a response through email at XXXX,  along with a response through CFPB and a phone call stating that this BAD DEBT will actually be written off to BAD DEBT, then I may consider NOT retaining XXXX XXXX to sue ProCollect, along with XXXX XXXX as co-defendant. I have already made XXXX XXXX aware of this matter. If I do n't receive a response by the end of business on Friday XX/XX/XXXX, then I will be retaining XXXX XXXX and we will be going to court. I attached the " supporting documents '' on this bad debt, that was sent to me from XXXX XXXX. She would n't respond to my emails nor would anyone transfer me to someone that could help me with my account. Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Too Whom this May Concern On XXXX XXXX XXXX PayPal Inc contacted me via phone and email stating that as of that day a hold of 5 % of all transactions would be held for 90 business days, also a minimum of {$10000.00} would be held from my account for 180 business days. PayPal is licensed in the State of Florida as a Money Transmitter Service with License number XXXX expiring XX/XX/XXXX. Florida Statute 560.208 Section 5 states Shall, in the normal course of business, ensure that money transmitted is available to the designated recipient within 10 business days after receipt. I have sent several emails to PayPal and PayPal executives/supervisors/customer service requesting my funds to be released and did not receive a response. I finally received a phone call today XX/XX/XXXX in response to my request and complaints. The customer service agent I spoke to denied my request and specifically stated PayPal operates out of California and does not recognize Florida state law. I disagree. As a licensed business/service in the State of Florida, Paypal should be held to the same standards and laws which accompany their Money Transmitter License and their privilege to conduct business in Florida. I feel that any reasonable person would conclude that holding such a high balance for 180 days is excessive. and may be viewed by some as punitive or as already stated, an unnecessary abuse of power. This is also contrary to the laws set forth by the Florida Office of Financial Regulation. I have been very patient in this process and have requested on numerous occasions for the return of funds. I am simply seeking a resolution that is fair and in accordance with Florida State Law, the State I live and conduct business in. Thank you for your time reviewing my case.

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 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank customer service has notified me earlier this afternoon that they are ending the relationship with me all because of a fraudulent check. The person who sent me the check said it  was US C ertified and it will clear within a week. But it did n't, and they ended up freezing my account to where I ca n't use it. I went to a manager today on  XXXX   XXXX ,  XXXX   XXXX , LA and showed him the police report stating that I am not responsible for the mishandling of account. I have  XXXX  case numbers to prove it. My family who work for the police station is working with me on getting those people arrested and sued.  XXXX  has already removed several charges on my SLATE card that was unauthorized if you requested to check on this.     I 've had too many problems with chase customer service that I 'm at the point of leaving them for another bank. They did n't think I was a good customer while  XXXX   XXXX  did and understood what I was going through.     If they do n't get this problem fixed and decide to report me to  XXXX  I will be notifying the department of treasury at the white house for illegal closing of an account without a good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Loan Science, LLC
State: SD

Complaint narrative:
On  XXXX / XXXX / 17  I called  XXXX  to determine if I could refinance my 9 % interest rate on a $  XXXX  pri vate educational loan. They were n't showing any options available and directed me to Loan Science ( the lender ). I called Loan Science. The customer service rep told me a program to lower my rate was available 2 years ago but is no longer an option. I was not informed of this program, to which he  agreed. He said that I was n't contacted because I was making payments and that no options now exist. I am concerned that I was never informed of this program and I also do not believe it to be good practice to only extend offers to people who are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed with all XXXX CRA 's and have sent them 3 dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify and account on my CR account being XXXX XXXX XXXX ( which is not my account ). As I 've stated I 've sent 3 dispute letters asking all XXXX bureaus XXXX, XXXX, and transunion asking for these docs and if they ca n't not show forth the documents on how they verified this account that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation form any of the XXXX bureaus with this 3 letters that I have sent I just continue to receive verified or updated. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal form my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping for that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've sent 3 letters without any resolution. Thank you in advance

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 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: URS Holding, LLC
State: OK

Complaint narrative:
On this date of ...  XXXX / XXXX / 2017  called ...  Alltran Financial, LP  XXXX   XXXX    XXXX   XXXX   XXXX     Rep. took my call ... I, tried to make arrangements of the three options that were giving to me on the statement letter sent to me. I, received this letter on ...  XXXX / XXXX / 2017 . The customer service  XXXX   XXXX  that 's stated on my letter to contact at this number  XXXX . Kept Sta  ting ... That I, had to make a payment ... TODAY.. plus use a account card number ... OTHER THAN A PREPAID CARD TO GET TO THE NEXT LEVEL OF PAYMENT OPTIONS. I, stated to the Customer Service Rep. My letter..DOES N'T STATE THAT I NEED TO MAKE A PAYMENT ON THE SAME DAY I 'M TRYING TO NEGOTIATE A ... GENEROUS SETTLEMENT OPTION!!!!. AND I FEEL MY CONSUMER RIGHTS HAVE BEEN ... VIOLATED AGAIN!!!!.
Yes ... This is not the first time this has happened to me ... So, I 'm asking for your assistance in helping me get this..BALANCE RESOLVED QUICKLY!!!! I 'M ALSO WILL NOTIFY MY ATTORNEY A  BOUT THIS ISSUE ALSO!!!!. THANK YOU.

Company response to consumer: Closed with explanation