vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have notified target over and over again via fax/mail and secure onsite messaging. I was in a re-payment program and after contacting the  CEO   XXXX   XXXX   XXXX   XXXX   office, I was told to fax a letter requesting that the repayment plan be removed as I am now current and have been current and no longer need the repayment plan! I was also asked to request my card be re-opened. I did all of this many weeks ago and I am getting no response from this company! It is either a silence completely or a standard " please call us message '' I DO EVERYTHING IN WRITING JUST FOR THIS VERY REASON!!!! I keep EVERYTHING on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have a charge on my credit fro m Southw  est Credit i n the amount of  XXXX . They said that it is from an alarm company which we had but when I asked what the charges are for they ca n't explain that to me. I asked them to remove the charges if they ca n't explain what the charges are for and they said they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: Pacific Coast Legal Services, Inc.
State: TN

Complaint narrative:
A man named as XXXX XXXX, PH : XXXX from Pacific Coast XXXX XXXX No : XXXX and said he was an attorney. He called my employer on XXXX-XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at Pacific Coast have contacted me before at my employer workplace phone number to try collect on a payday loan with XXXX XXXX XXXX. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I have contacted professional debt mediation several times concerning a debt in the amount of {$1000.00} that is not owed to  XXXX   XXXX . This debt was paid on  XXXX   XXXX ,  2016 . I have provided all the proof required via email to both PDM and  XXXX   XXXX , but both companies refuses to take action and cancel out the debt.

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 2017-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient has  started to call me upwards of 5 times per day in the last week. They refuse to leave voicemail 's and reference what they would like to speak about, they call only during hours when I am at work, and they continue to call to the point of harassment, not allowing me sufficient time to return the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This XXXX had a carryover balance since approximately XX/XX/XXXX. I was making more than minimum payments. On XX/XX/XXXX I paid the full amount due on this card in the amount of {$1600.00}. When the payment cleared my bank I checked the balance on this account and it reflected {$0.00} due.
On Monday, XX/XX/XXXX I called the customer service line and said I paid off this account and I do n't understand why I now have an amount due of {$12.00}. The rep said it was for " residual interest ''. I stated I never heard of such a thing and asked for this charge to be reversed. She said she could n't do it. I called again to the customer service line today, XX/XX/XXXX and again asked why I was being charged this fee. He said it was " easily missed '' if you did n't know about it. I explained that I have had this card since XX/XX/XXXX and carried balances before and then once paid in full I did not get hit with " residual interest ''. Again he said it 's easily missed. I asked for it to be reversed, he said he could n't. I then asked for a supervisor. This supervisor was rude saying I was going to ruin my credit if I did n't pay it. I said it 's a " scam '' and I refuse. If this fee is " easily missed '' then the bank is counting on consumers just letting it go without a complaint. I 'm not willing to do that. This is a hidden fee and I do not like being taken advantage of. I told the rep I am a very good customer and it would be a shame for the bank to lose me as a customer over {$12.00}. He said it was up to me if I wanted to see my " credit go down the tubes ''. I stated that I have other charge cards that carry a balance and once paid in full I do not get hit with hidden fees. Any assistance you can give to get this reversed is greatly appreciated.

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 monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened Bank of the West platinum Master credit card # XXXX XXXX XXXX XXXX with XXXX XXXX XXXX ( VP ) XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ) his email is : XXXX.
I closed the credit card on XX/XX/XXXX and since I have a credit of {$220.00}, XXXX XXXX XXXX has promised me many times that I will receive the check of {$220.00}, but today ( XX/XX/XXXX ) I have NOT yet received the check.
<P/>
For last 2 months, I have come in and talked to XXXX XXXX XXXX and other people at Bankofthewest many times but they continue delay the check.

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 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In  two pre vious complaints, Santanderconsumerusa has refused to cooperate with the CFPB investigation. They have issued statement, purportedly in response, that blatantly and illegally defy the authority of the CFPB and the government of the United States of America by making nonsensical, false and irrelevant statements regarding the account in question instead of responding as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: FL

Complaint narrative:
This company calls me daily for a debt that is owed by someone else. I began tracking the calls on  XXXX / XXXX / 17  but was able to locate some prior calls before that date on my cell phone and below is a log of the call to my home and cell phone :   XXXX  17   at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   - I asked them to stop calling me   XXXX  17 at   XXXX   XXXX   XXXX  17   at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   Again, they are not calling me for a debt I owe but for someone that I know. I have asked them to stop calling me but they continue to call every day.

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 2017-06-01 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: Big Picture Loans, LLC
State: TN

Complaint narrative:
A man named as XXXX XXXX, PH : XXXX from XXXX XXXX XXXX Reference No : XXXX and said he was an attorney. He called my employer on XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at XXXX XXXX have contacted me before at my employer workplace phone number to try collect on a payday loan with Castle PayDay Loans. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
I took out a loan on XX/XX/XXXX in the amount of {$670.00}. As of XX/XX/XXXX I have paid {$1800.00}.
I called onXX/XX/XXXX and was told my payoff amount was {$660.00}. My principle only dropped {$5.00} after 9 payments? I understand that XXXX XXXX XXXX is not licensed in Pa..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: PARAGON REVENUE GROUP
State: GA

Complaint narrative:
I was forced to ride in an ambulance when I was in a stable condition to drive to the hospital I was forced to go to, they made me have tests run after I asked for a form to leave and that if they kept me I would lose my job, which along with made me lose my insurance coverage to cover the overpriced medical attention I did not require. I was forced into summit ridge for 6 days and was terminated from my job for absence even with proof of medical reasons and they did n't try to ever collect their money until AFTER I had lost my job and insurance.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
I received a call from ARA, Inc. The ARA, Inc. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a XXXX XXXX. I told her I did not have a XXXX XXXX. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Bureau
State: LA

Complaint narrative:
I sent certified letter to Account Control Bureau, which they received on XX/XX/2017. I have tried and tried to collect data from this company with no response. I requested validation of this account, bearing my signature. It has passed their 30 day mark, I then sent them a second letter, and again, I have gotten no response from them. They also did NOT mark my credit report disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On  XXXX   XXXX ,  2017 I received a letter ( co py enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you  may  have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX

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 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On  XXXX   XXXX ,    2017 I received a letter (  copy enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX

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 2017-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trans National Credit Corporation
State: FL

Complaint narrative:
Found debt listed on credit report. Sent letter stating letter to creditor listed that the debt was being disputed and validation is requested. Company sent back letter but did not receive the proper debt verification. The company listed original creditor but not amount Stated that they verified with original creditor via secured email and/or retrieval of original documentation but did not send to me. Stated that their verification process determined their debt information and final sum due as being correctly reported to them. Stated that information would remain reported to   XXXX   despite the debt was being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX multiple unauthorized ATM & debit transactions were made on my business account totaling {$14000.00}. I reported this to the bank as soon as I found out upon checking my account balance as I was not notified. I found out that someone falsely represented me on the phone and called to change my business address in XXXX 2017. I was told account notifications were turned off and that my limit on the amount of money to withdraw in one day was raised. In XX/XX/XXXX a new debit card was sent to the fraudulent address. XX/XX/XXXX a pin # was sent out to the same fraudulent address. On XX/XX/XXXX, a {$3000.00} account transfer was done from my personal account to the business account and {$2500.00} from my business savings transferred to my business account and then multiple ATM withdraws ranging from $ XXXX {$3000.00} were made along with 2 transactions at XXXX totaling {$2900.00} each. Total amount stolen was {$14000.00}. <P/>I filed a claim with Chase and had to file 2 separate claims : 1 for the ATM transactions the other for the debit transactions. <P/>I filed a police report, claim # XXXX. <P/>XX/XX/XXXX, Chase informed me they 're denying the dispute for the debit transactions because someone called representing me and " authorized the transactions '' and had the debit card & pin # for the card and they are reversing the temporary credit on my account in the amount of {$5800.00}. <P/>All of these unauthorized transactions occurred because Chase allowed someone claiming to be me to make changes to my account, including my address, account notifications, travel suspension, increase spending limits, and request new debit & pin #. Chase failed to protect my account and my personal data which was used to steal XXXX. Chase has failed to fully investigate this situation fully and to resolve it in a reasonable manner. <P/>I have been in contact with XXXX corporate regarding the debit transactions, they have video footage available and are willing to give the money order numbers that were purchased. They said Chase bank would need to open a claim with XXXX 's loss department, but Chase has not contacted them regarding my situation, neither has the police. <P/>I am a small business owner. I own a XXXX XXXX  licensed by the state that can not move locations easily or frequently. I am disappointed that Chase failed to notify me at my address, email address, or phone number regarding any of these changes or transactions and that they failed to protect my money and are failing to take corrective action to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had  XXXX  credit cards with Bank of America, both were Visa cards, one ending in  XXXX  and the other in  XXXX . Both were issued in  XXXX .
<P/>
Both credit cards were always in good standing, and were always paid on time. I also never went over the credit limit on either one of my credit cards, and they were used frequently for basic needs, and always paid on time.
<P/>
Between XX/XX/XXXX  and XX/XX/XXXX , Bank of America closed both of my credit card accounts without any notification whatsoever. Notifications were sent afterwards, which I received today. I still have a balance on my cards, but can not use any of them. Now, this information will adversely affect my credit which I have been working on rebuilding for years, and  XX/XX/XXXX  accounts will be listed as closed accounts. If I had been given the opportunity to pay off the balance in order to at least keep the accounts open to build " credit history '', as most credit scoring systems consider this an important factor on building credit, I would have paid them off. But the opportunity was not given, nor was any notice given prior to this occurring.
<P/>
According to the letter received today, but dated  XX/XX/XXXX , the date the accounts were closed, the decision of closing these accounts was based on " account history, your total relationship with us, current economic trends and a copy of your credit report ''. I have been a Bank of America customer for almost a decade, if this was based on my credit report, a recent negative account was added which was immediately disputed and this particular agency issued a corrective letter to expunge/delete my records from all  XXXX  credit bureaus. The letter is attached to this complaint. This decision was made blindly, without regard to the consumer, me, or every other consumer they have done this to. Now, I have to pay for this decision in the form of bad credit.
<P/>
Whether or not this is a violation of the CARD Act, which requires any " significant change '' to the account to be notified 45 days prior to the change, I do n't know nor am I an expert. What I do know, is a large population of us living in this country are struggling to upkeep our credit, and yet, we have yet another financial institution hurting people financially, and hurting their score despite payments being made on time, yet ironically labeling themselves with the name of the country they are supposed to represent : America.

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