vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
The company stated that they were from Reliant Capital Solutions, and called my husband first. I also had several phone calls from these people. When I called the number, the gal told me that she had to transfer me to the person that was trying to contact me. When I asked what the call was in regards to, she would not tell me, but transferred the call. They then hung up on me. When I tried to call back, it said that all representatives are busy to please leave a message. My message was, do not call me or my husband. The other number they called from was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I had my annual health exam which BY LAWis covered 100 %. XXXX XXXX XXXX made a mistake encoding the XXXX   test. This ended up to a 3rd party XXXX XXXX. Which in turn sent it to Professional Finance Company which refuses to confirm or correct or verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My wife and I opened an Everyday Checking using the their website as new customer to get a {$200.00} bonus. We met all the requirements and they still haven't deposited the bonus. I called 2 times explaining the situation and they told me they would resolve it and give me a call back at today XXXX XXXX at XXXX XXXX  EST to let me know this was resolved. I have yet to get any contact back from them and I'm very frustrated as this in my opinion is fraud and false advertising. To top it all off the system has been down from from XXXX XXXX EST this morning until now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
In XX/XX/XXXX, my wife and I signed a Home Equity Loan ( HEL ) with PNC Bank. We began to make our normal monthly payments per the agreement. In XX/XX/XXXX, I decided to make extra payments to the HEL. I made our normal monthly payment for XX/XX/XXXX ( on  XX/XX/XXXX ). I then initiated an additional payment on XX/XX/XXXX for {$1100.00}. 

At time of my submission, I noticed a check box asking if I wanted the funds to go toward the principle only. I left the box unchecked indicating that I wished this payment to go toward future payment due dates in order that the next due date of the loan would be pushed out one month. When this transaction was completed in the system, I saw that the due date had indeed moved forward one month ( the next due date for the loan had changed to XX/XX/XXXX - the extra payment did indeed go toward the XX/XX/XXXX payment. I then initiated another payment on this loan on XX/XX/XXXX for {$1100.00} following the same process as before ( which would go toward the XX/XX/XXXX payment ). After the transaction was completed in the system, I saw the next due date change to XX/XX/XXXX. 

I then continued to pay the HEL each month ( paying the XX/XX/XXXX charge on XX/XX/XXXX and the XX/XX/XXXX charge on XX/XX/XXXX ) and noticed that the due date continued to be pushed out two months ( taking into account the fact that I paid two extra months of payments in XX/XX/XXXX ). I then decided to make an additional payment on  XX/XX/XXXX for {$1100.00} which allowed the next due date to be pushed out one more month ( making the next payment due date XX/XX/XXXX ). I have continued to make regular payments on the HEL since this time and saw the due date remain three months in the future. Then in the spring of XXXX, I received communication from PNC that they were going to be upgrading their systems. The system was upgraded and I did not think any further on this until XX/XX/XXXX when I noticed that the due date had reset and I no longer had the three-month buffer in the due date. I contacted PNC at this time in an attempt to have the three-month buffer on the due date re-established. I was informed by PNC that with the new system that I would no longer be able to push the due date out as I had in the past. I have attempted to remedy this issue multiple times since via phone and meeting with a person at our local PNC branch ( including submitting an escalation twice ). I do not remember seeing anything in my original agreement stating that I could not make advanced payments and, I was able to make these payments multiple times until the new system update in the Spring of XXXX. Now I am being told that my advanced payments are no longer valid. 

We Have talked to six different agents in an attempt to resolve the issue but without success so feel the need to issue a formal complaint with Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My identity was stolen on XX/XX/ 2017. This electric company says I owe {$800.00} and put it on my credit. I contacted them and faxed them proof that is wasn't me and they say I still owe it and I have to pay. I'm trying to buy a house and they won't remove the debt from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 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: RI

Complaint narrative:
On XX/XX/18, an item for {$1000.00} was ordered with my Chase credit card. The company was located in the XXXX, called XXXX XXXX, a seller of fine watches. On XX/XX/18, unaware of the charge on XX/XX/18, my husband signed for a package, not unusual as we have packages arrive many times a week. 



When I arrived home, knowing that I had not ordered anything, I called the number on the return address ( XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX, ( XXXX ) XXXX ). 

The company being a computer company, confirmed that they had not sent anything to my address, with the tracking number. They suspect that their XXXX account was compromised. I called XXXX and they couldnt tell where the item was really shipped from and couldnt help me. 

I checked my bank statement and saw the charge on my Chase card. I immediately called them and they started a fraud investigation and reissued me a new card. They re-billed a few weeks later stating that because I benefited from the charge ( having the watch in my possession ) that they could not help me. 

This is a clear violation of Reg Z, as I did not give authority to use my credit card to anyone and I am certainly not benefiting from a watch that is in a box. I will be more than happy to send it Chase for their own benefit. 

If this issue can not be directly resolved with Chase, then I will have no choice but to reach out the Attorney General and the news outlets as I am experiencing unjustified consumer Injury. As Chase is looking to expand their banking presence in the XXXX XXXX area, I find it even more important to let people now that Chase can not be trusted to protect customers identity or banking credentials. This type of unethical conduct should be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I called the JP Morgan bank and the regular staff have no information on my account - at all, and the same amount that I won in the dispute -the {$630.00} is put on the recording as I owe it, or it becomes a credit. Something different everyday-this bank has been stealing funds from me ever since 2017 and I asked them to refund the payments, and then the recording stated that I had XXXX in credits. That is about right, so recording or not I would like the XXXX refunded to asap. I do believe that FEMA is in on the crime, because I was telling my boss about it and then my I phone went out -that FEMA gave me. I request that JP Morgan give me my XXXX and then they can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit Bureaus reporting Collection from XXXX XXXX as originated from XXXX at XXXX XXXX XXXX. They also report the data of the debt with XXXX XXXX as XXXX XXXX. 

The debt is currently in dispute The amount is also incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I called XXXX XXXX XXXX XXXX to negotiate a pay for delete for my balance that was owed to them. The associate on the phone agreed verbally to send me a letter of proof for the pay for delete. This phone call was recorded. all of my phone calls to this collection agency was reported. I called multiple times. They confirmed they would do this. When I got the letter it was NOT a pay for delete letter releasing me from the debt owed. It was a letter showing my account balance was at {$0.00}. So I then disputed this with the credit bureau. Not only did they offer a pay for delete letter in return for me to pay the account balance owed. They told me they would delete the owed balance off of my credit report with in 30 days. I called them today XX/XX/XXXX. More than 30 days later and a supervisor informed me that there is no such thing as a pay for delete letter with in their company. And told me that I had to DELETE MY DISPUTE with the credit bureaus in order for them to work with me. And from the day that I delete my dispute. They will then take an additional 30 days in order for them to recognize this account paid in full and delete this off of my credit report. This sounds very odd and unprofessional. And at no time did any one mention that I was not allowed to dispute things on my credit report. Usually when an account is paid in full and the company agrees to send a letter for pay for delete. They fulfill that obligation. And if it so happens that the account is disputed. The process is simple. They answer to the dispute. The supervisor told me on the phone that once I cancel my dispute that they will THEN follow through and update my account with the credit bureaus after 30 days. 

I have attached the letter that the company fraudulently sent me instead of the pay for delete letter as agreed upon in return for paying the balance owed in full. I also dont believe its appropriate to punish some one for disputing something on their credit report and making them cancel their dispute in order to recognize the debt paid in full and delete the account on a credit report. This deeply affects and individuals credit and quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mobiloans, LLC
State: WI

Complaint narrative:
They called me and stated that they are comeing after me for fraud from a loan I took out in XX/XX/2017 for about XXXX. I made as many payments as I could but I lost my job at that time and was not able to pay it I am currently geting garnished so I can not send them money or I will not be able to live I am a single father of XXXX kids.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-01 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: CA

Complaint narrative:
Credit Bureaus reporting Collection from XXXX XXXX as originated from XXXX at XXXX XXXX XXXX. They also report the data of the debt with XXXX XXXX as XXXX XXXX. 

The debt is currently in dispute The amount is also incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I PAID AN ACCOUNT ON XX/XX/2017 IN THE AMOUNT OF {$510.00} WITH XXXX XXXX XXXX THAT WAS LISTED ON MY CREDIT REPORT ALTHOUGH I NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX XXXX. I NOTICED THAT THE ORIGINAL CREDITOR IS NOT LISTED SO I HAVE BEEN DISPUTING THIS ACCOUNT MONTHLY TO HAVE THE ORIGINAL CREDITOR ADDED SO THAT THE ACCOUNT CAN REPORT CORRECTLY. THE ORIGINAL CREDITOR IS XXXX XXXX XXXX. HOWEVER EQUIFAX ALWAYS REPORT BACK THAT THIS ACCOUNT HAS BEEN VERIFIED WHICH LETS ME KNOW THAT THIS ACCOUNT HAS NOT BEEN VERIFIED BECAUSE IF IT WAS, THE ORIGINAL CREDITOR WOULD BE LISTED. I DO NOT HAVE ANY SIGNED DOCUMENTS WITH XXXX XXXX XXXX AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I started getting calls from Citibank when my bill was 8 days past due. I spoke to someone, explained that I was unemployed and looking actively for work, and that when I got a job I'd pay them. 

The woman on the phone said " the collection efforts will continue '' and then acted like she didn't know that unemployment is a hardship. ( Seriously, they can't figure this out? ) Ever since I get a few phone calls from Citi a day, and they never leave messages even though in the initial phone call I complained about this. 

To date I have yet to even receive a written notice that I'm late! This is ridiculous. Shouldn't some kind of written notice be sent BEFORE they start calling?

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 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/2019, I received a phone call from what was identified as XXXX XXXX On My Caller ID. I believed that Fraudulent activity had been attempted on my XXXX XXXX XXXX XXXX Which handles my XXXX Benefits. I was told that a {$300.00} charge had been flagged and attempted at a XXXX. I told what I Believed Was XXXX XXXX that the charge was not authorized. I was informed that a XXXX XXXX XXXX Mastercard would be issued in 2 days at no expense. I also informed that another fraudulent charge from a XXXX for {$49.00} had been made in XX/XX/2019. The alleged XXXX XXXX person claimed that {$49.00} charge would be reimbursed to my account. I was satisfied that this had been brought to my attention at the time. Within the hour of receiving this call I went on the XXXX XXXX app to check my balance. I discovered a shocking result. {$800.00} had been withdrawn from a Chase Bank ATM in XXXX, Florida with an XXXX cent ATM Withdraw fee. Then {$180.00} had been withdrawn in addition. {$980.00} had been withdrawn out of my XXXX XXXX Mastercard & Social Security XXXX benefits without my consent or permission from a Chase Bank ATM In XXXX, Florida. I called Chase Bank at XXXX & at XXXX under the address of XXXX XXXX XXXX ; XXXX, Florida XXXX which was listed as the location in which the withdraw took place. I am in XXXX XXXX, Minnesota. I did not authorize nor consent to ANY Chase Bank ATM Withdrawals in XXXX, Florida. I reported this fraudulent claim to Chase Bank hoping Chase Bank Fraud Department would start a claim due to the loss of the {$980.00} I suffered. The Chase Bank Phone agent told me nothing could be done until XXXX XXXX started a claim. XXXX XXXX was unable to accept my claim due their " high volume of calls. '' That is it's own seperate complaint. The complaint I wish to file here today is with Chase Bank XXXX XXXX, Florida. When someone calls Chase Bank & reports suspicious & unusual activity which occurred at a Chase Bank ATM, I hope that the Chase Bank phone agents would take fraudulent complaints where a XXXX Benefits recipient states that {$980.00} was withdrawn from a Chase Bank ATM Without Consent. I truly hope the Chase Bank Fraud Department may cooperate with the XXXX XXXX XXXX XXXX at recovering the lost funds or holding the perpretrators of this fraudulent activity accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX my fEDERAL REFUND WAS APPLIED TO THE UD=S DEPARTMENT OF EDUCATION XXXX 

FILED A SPOUSAL INJURED AND MY REFUND WAS GIVEN BACK THE SCHOOL XXXX XXXX LOAN IS FROM 25 YEARS. 
I LEFT THE SCHOOL NOT COMPLETING AND THE LOAN WAS APPLIED TO MISCLEANEOUS CHARGES. I NEVER COMPLETED SCHOOL THERE. 

I BECAME XXXX XX/XX/XXXX. 
NEXT MEDICAL REVIEW BY SOCECURITY IS XX/XX/XXXX MEDICAL RE EXAM CYCLE IS 3+ YEARS XX/XX/XXXX AND XX/XX/XXXX SOCIAL SECURITY WROTE THERE WERE NOT GOING TO REVIEW MY CASE. 

CALLED us department AND WAS TOLD MY ACCOUNT DOES NOT EXIST. 
us dEPARTMENT CALLED BACK AND CONFIRMED I HAD NO ACCOUNT WITH THEM. 

I HAVE SENT THE BENEFIT PLANNING QUERY AND IT SAYS DISABLE WORKER. 
2. IT TELLS THE DATE I WAS DIABLED WHICH IS XX/XX/XXXX AND THE NEXT REVIEW CYCLE IS XX/XX/XXXX WHICH 7 YEARS. 

nELNET KEEPS SAYING THEY DID NOT RECEIVE THE BENEFIT QUERY AND AFTER THREE YEARS ARE TRYING TO TAKE MONEY BY TAX LOOPHOLE NELNET HAS IN THE PASSED CALL THE RSIDENCE AND LEFT MEESAGE WITH FAMILY MEMBERS. 
NELNET IS NOW USING AN OUTSIDE COLLECTOR XXXX XXXX AND WHEN I ANSWERED THE PHONE AND TOLD THEM I BEEN THROUGH THIS EXERCISE THEY SAID THEY WILL MOVE THE CASE TO ANOTHER DEPARTMENT AND CONTACT NELNET. 
THEY DONT HAVE THE PAPERWORK TO ANSWER QUESTIONS. 

WHAT DOESNT NELNET GET IAM XXXX FOR LIFE. 
MY SYSMPTOMS WILL NOT GET BETTER OR PROGRESS. 
IF I TAKE MY MEDICATIONS. 

NOW THEY ARE TREATHENING AGAIN TO FORGO MY TAXES WHEN IT IS A SPOUSAL INCOME. SECOND TIME. 

THE LOAN IS NOW AT {$13000.00} OVER BILLED WITH INTEREST RATE. 
THE SCHOOL DID NOT HAVE PROPER MANAGEMENT FOR LOANS. 
REYCYCLE. 
I NEVER USED HALF THE LOAN. LEFT THE SCHOOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate Information, not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This company is horrible. My complaints are consistent with the lawsuit being filed. I constantly receive contradictory information from different representatives and have been constantly encouraged to enter forbearance periods. Every time I present my situation to a representative they have a different version of what is the best option for me though my situation and presentation of it has not changed. The ultimate response I always get is that " If I can't afford the payments I should enter forbearance until I can. '' This occurred even when I stated that I want to find a way to make payments. On multiple occasions representatives have hurried to get me off the line with promises that a coming email would explain things. Those emails ( on at least two separate occasions ) never came. When I finally convinced someone to walk me through the IBR plan and what to submit, I was told that everything was set and that my new payment would be $ XXXX/month beginning XX/XX/2019 and that an email would confirm that on the XX/XX/2019. I asked repeatedly if the company needed anything else from me and was told no. No email came and when I called today ( XX/XX/2019 ) I was told that my application was denied because they did not have proof of income. I told them they did and pulled up the document. They stated that I did not write the pay frequency on the stub. I informed the representative that I was told everything was good and that the paystub indicated clearly how often I get paid which is every two weeks. The representative agreed and stated that she could could see that, but that the company wanted a handwritten explanation on the stub itself and that I would have to resubmit the form. I asked to speak to a supervisor and was informed again that " the due could be extended '' or I could " enter forbearance '' if this was too much for me. I'm exhausted from dealing with this company. They are unclear, unfair and not about the well being of their customers. Their policies are confusing and inaccessible and their representatives constantly encourage options that ultimately cost consumers money. I'm filing this complaint because I want accountability. The student loan scene is all but a crisis in this country and someone should hold these companies accountable. Please contact me if you have further questions.

Company response to consumer: Closed with explanation