vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They are calling very frequently about a past Student Loan balance, and are threatening legal action. I used to let the calls go to voicemail, now I block the number, but they keep calling from different numbers, some with the same first six numbers of my phone number in an effort to trick me into thinking that it is a local call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: UT

Complaint narrative:
Our home insurance company raised our premium because they said we were underinsured. (The notice was lost because our mortgage had been sold 3 times in one year). However, we contacted XXXX XXXX  as soon as we received a cancellation notice from our insurance company that our policy was set to cancel for lack of payment to let them know they needed to pay the additional premium. (We called XXXX XXXX in XXXX to let them know the policy would be cancelling in XXXX)
There was a three way call between the insurance agent, XXXX XXXX, and my husband to get this issue resolved.

Everyone knew what was going on and my husband was assured the premium would be paid. Everyone had each other's direct contact number and said they would contact my husband if there were any problems.

It seems that XXXX XXXX did not pay the updated premium, nor did they reach out to the insurance agent or my husband.

Now, we have had a lapse in insurance coverage and lost our policy. We had to pay a penalty for the lapse, have increased insurance premiums on a new plan, and have to pay $XXXX for XXXX XXXX's forced hazard insurance also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi dear PayPal team! 

My account : XXXX has been limited and I need to appeal or remove these limitations from it since I need to use it again : XX/XX/2018 : We need some more information about some of your recent sales. 

( Your case ID for this reason is XXXX. ) XX/XX/2018 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) I need to appeal or to remove these limitations and I would be so happy to continue using PayPal. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Previously I submitted documentation disputing the {$730.00} charge from XXXX XXXX   XXXX # XXXX on XX/XX/18. I originally submitted the dispute on XX/XX/18, then again with more information on XX/XX/18 and again on XX/XX/18. The charge was disputed as I had returned the purchased merchandise but not received a credit from the merchant. I provided all the relevant information including my call log with the merchant and original billing statement. Chase either neglected to acknowledge the dispute or the acknowledgment sent did not have any information identifying this charge. The same is true for Chase 's written request for further information. 
Despite not providing any information identifying the charge in either the acknowledgment of dispute or request for further information on XX/XX/18 Chase sent a letter stating I had failed to provide information on the dispute. I'm attaching all disputes filed as well as evidence the information was received. Thus Chase failed to comply with 15 United States Code 1666 Correction of billing errors statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed on my Experian credit report that I had a notification about a hard credit inquiry had been pulled on my credit by XXXX XXXX. I immediately called and tried to get a hold of XXXX to find out why. I do not have or have had an account with XXXX, and I have not applied for credit in any form recently. XXXX had no record of me as a customer, and they did not have an account in my name so they were not able to help me. I checked several times with XXXX credit applications to make sure that there wasn't an application in process, and they also had to record of anyone requesting credit with my ID or SS number. 

Learning this I initiated a credit freeze with the credit reporting agencies to prevent other accounts or inquiries being made without my requesting it. 

Details of the hard pull directly from my credit report : Inquirer Name : XXXX, Inquiry Date : XX/XX/2018 Business Type : XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 2018-12-19 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
XXXX  and XXXX  has been non-compliant with removing the unverified account AM HONDA FIN Opened Date XX/XX/2018 which has been deleted by XXXX. XXXX were completed their research and determined that AM HONDA FIN was not established by myself but XXXX and XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  and XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I keep getting unwanted phone solicitations from this company claiming to be chase bank to give me better credit options. These calls come on my personal phone during my work hours. The number they called me from was XXXX. They called me 3 different times in the same hour CST today XXXX18. Time 1 : XXXX ; Time XXXX. ; Time 3 : XXXX. I was unavailable working with my caseload when these calls occurred and it was very disruptive to my professional work ethic to be interrupted. I am on the national " Do Not Call '' list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I have no information or details on the debt the have sent into collections as I have never been notified of this debt. There is a debt of {$970.00} on my credit report and I don't know what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have sent {$360.00} to a PayPal user : XXXX which now has this email on PayPal : XXXX to send an item : XXXX XXXX XXXX XXXX XXXX XXXX and I waited to ship it but he didn't ship to me. I opened a PayPal dispute which I thinked that I will receive my item but even this person may have marked as shipped, I didn't received it. I have opened too many requests on PayPal but I still didn't get my full refund. This person which I sent my money doesn't refund me. 

I need from PayPal to reverse the transaction : XXXX back ( which is on my PayPal account ) and get my full refund of {$360.00} since I didn't get what I paid for and this person which I sent my money doesn't refund me. I want an escalation : https : //www.paypal.com/resolutioncenter/escalate/7GK887276F337733F/PP-005-013-132-474 in order to get a refund Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
They are calling very frequently about a past Student Loan balance, and are threatening legal action. I used to let the calls go to voicemail, now I block the number, but they keep calling from different numbers, some with the same first six numbers of my phone number in an effort to trick me into thinking that it is a local call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am currently being garnished for a vehicle that I did not purchase. I have made several attempts to find out who purchased this vehicle in my name but was not successful. I reached out to General Sessions Court and the Attorney who was handling this matter and no one returned my calls. It has been very difficult for me to live financially with this garnishment coming out of my pay. According to their records the car was purchase when I was a minor.

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 2018-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was scammed by buying tickets from someone who knows how to work the XXXX system easily and my bank had 0 concern to correct this. This happened on XX/XX/18 at XXXX and I called the bank at XXXX to cancel the transaction- and they said there was nothing they could do. But to start from the beginning I transferred to a guy through XXXX. I use Wells Fargo, he uses XXXX XXXX XXXX. He gave me his name, email address and phone number ( which I have ). He said this was the service he was most comfortable with and we all could trust it since it was through the bank. Since I havent used it before and he gave me all the details and sounded like a decent gentleman, I wasnt that concerned with it. The transfer went through while I was on the phone with him. He said he was sending an email and then the call dropped and when I tried to call back I go no answer- so no tickets or anything. I was sure I could cancel thetransfet since it just went through but That wasnt the case. I called Wells Fargo and spoke to a number of ppl which led me to a lady named XXXX a supervisor over the fraud dept. went through all the infor for over an hour again and she said she had to look into it a little more and she would give me a call back that night. She never did, so the next day I called and went through the same process and this time they gave me XXXX XXXX, who was repeating the same thing over and over about why I shouldnt have done it- which I already knew. They had 0 concern for this guy that was scamming others nor do they keep track of when ppl call in regarding scammers. I found out this guy banks with XXXX  XXXX XXXX I filed a police report. And sounds like no one has any respect or concern for the issue. The way I was treated at Wells Fargo was shocking- I know this wasnt my smartest move but Ive banked with them for years and they dont hold any credibility over not warning us the charge will not be pending, and that have a system they are in network with that is perfect set up for scammers to defraud their clients and they have no regard for it they said I probably will not see that money again. Costumer service wasnt very good, it almost makes me want to change banks.

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 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
in XX/XX/XXXX I had a unpaid ballance of XXXX dollars from a local utility company that I was unaware was unpaid. I called to transfer services to my new address and it was told to me by the representative that I had an unpaid ballance that needed to be paid before services could be transferred. I made the payment that day in full of XXXX dollars plus a XXXX dollar transfer fee totaling XXXX. 
in XX/XX/XXXX I had discovered on my credit report that the amount for XXXX was being reported and have reached out several times to the debt collector and the account holder, providing proof of payment and thus far both companies are refusing to remove this inaccuracy from my credit profile. I have hired credit repair companies and they have also been unsuccessful. I believe that this collector is violating the laws under the fair credit reporting act, & the privacy act, and they have no intention of complying with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: SC

Complaint narrative:
On XX/XX/18, I received an update from XXXX  that a new negative payment had been added to my credit report. Upon investigation, I observed that Penn Credit Corporation had reported an account as unpaid in collection. 
I immediately filed a dispute, indicating that I had never had any written contact from Penn Credit Corporation that I could respond to with written dispute, and to inform that I have never lived in Florida, nor have I ever had any relationship nor ordered nor received any services from the company in question in the underlying account ( XXXX   XXXX XXXX XXXX / XXXX ). 

Although XXXX investigated the dispute, Penn Credit Corporation continued to report the item, despite never contacting me nor providing any written validation of debt from XXXX. 

I continue to dispute this item with XXXX, with Penn Credit Corporation, and with XXXX  XXXX XXXX  XXXX, and will not be held liable nor responsible for this claim. 

This item has made the rounds of several collection companies over the past years, and has been debunked and disputed each time, and will continue to be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal does multiple calls everyday in order to collect a debt before its out sourced to a debt collection agency has called 4 times today then when I brought up how many times a day theyve called it was simply your state law allows 6-10 calls a day along with that anytime I look up the number called by ( ( XXXX ) XXXX ) it comes up as scams so could not be even PAYPAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I told them that they have the wrong number. And do not call three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My original principal balance was {$58000.00} beginning XX/XX/2007 with a fixed interest rate of 7.5 %. I have filed a few forbearances over the years due to hardships ; but was not offered income based repayment plan options until this year. However, since XX/XX/2007, I have paid {$30000.00} in interest and {$6700.00} towards the principal. My account balance is currently {$73000.00}, which is {$15000.00} higher than my original principal. When you file for a forbearance due to hardship, instead of Navient just allowing the interest to accrue during that time period, they add the interest to the principal and then charge you interest on the interest added principal amount. The forbearance does not help but hurt borrowers. I have tried to negotiate the account balance because I have paid {$36000.00} on a {$58000.00} loan and now owe {$73000.00} which only causes the payments to go up and not down. I think this is truly an unfair practice and makes it extremely difficult to pay the loan. Navient did not offer any help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kashia Services
State: CA

Complaint narrative:
XXXX XXXX issued a loan to someone who applied using my personal Info since the person who took the loan defaulted they are trying to come after me.

I have a Consumer alert indicating my information was stolen, i also have a police report and FTC affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc.
State: TX

Complaint narrative:
I had discovered XX/XX/2018 that an account was charged off and sent to collections. I reached out to the account holder directly and was re directed to the collection agency. I spoke with an individual and had expressed interest in resolving the matter, and he had indicated that he was seeing another account that was removed by the credit agencies and remarked with a " do not list '' from the credit agency. I asked for a copy of that letter and was denied. the representative had also stated that as long as I keep to the current arrangement then he would not re list the other account. 
I have attempted to contact this agency to discuss the matter but have not been able to reach them for comment.

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 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had 3 separate incidents where my checking accounts were compromised and I had several fraudulent charges on my accounts so I immediately called and filed fraud complaints with chase bank and was told they would issue a temporary credits while they investigated the transactions. I went on my chase app to check my balance and saw my access was denied so I called chase they said that due to the fraud on the accounts they restricted all the accounts and would closing all my accounts in 10 business days from the day they were restricted which was XX/XX/2018 and that I could go to the branch and withdraw the current funds in my accounts and they would mail me a check in 7-10 business days after they finished their investigations and closed the Accounts. I went to two different branches and they would not allow me to withdraw my Money from my accounts. They said I had to wait the 10 business days for the accounts to be closed and then 7-10 business days for them to mail me a check. I let them know my husbands paychecks, my child support, as well as my childrens XXXX payments are being direct deposited in that account and its too late to change it and they said that Ill Have to wait 7-10 days after they receive those direct deposits for them to mail us a check. This is all of our rent and bill money all of our XXXX money for our kids everything and they will not do anything to help us. We just want the money thats in our accounts and our money thats being direct deposited.

Company response to consumer: Closed with explanation