vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase bank was holding deposited checks drawn on my other bank XXXX in violation of Reg CC. They put a 7 day hold on the funds I deposited on XXXX in the amount of {$1000.00} due to reason to doubt collectability. I have had absolutely perfect  standing with Chase and there was no reason to doubt collectability. I work for XXXX XXXX ( XXXX ) and had heard multiple of our bank customers report this issue which is why I made the deposit on XXXX. When the funds were not available the next business day, I called and they told me the reason was that the paying bank ( XXXX ) did not provide timely confirmation that the check was good. Which makes no sense, since paying banks do n't provide timely confirmation other than through dollar settlement which was done. They immediately removed the hold AFTER I called and said they were in violation of Reg CC. We ( XXXX XXXX ) then went through our correspondent bank to find out why they were holding what appeared to be every XXXX XXXX check deposited at Chase, who went through XXXX XXXX who was given the following response from Chase : Regarding XXXX XXXX our Fraud/Risk Dept made a short-term change to mitigate a counterfeit trend they were seeing in order to minimize further risk and impact. Below is their feedback ; they removed all 7-day holds effective XXXX XXXX today. 

In recent months, aggressive counterfeit check attacks were observed on specific routing numbers, such that even some valid routing numbers were suffering high levels of check returns, Risk implemented a strategy to place holds on all checks from routing numbers that had observed recent high rates of check returns. This process was used as a short-term control and now that a long-term solution has been implemented we feel comfortable to remove the previous process and as a result some of these routing numbers will no longer receive holds. 

While I understand their strategy to mitigate risk, This appears to be in clear violation of Reg CC as they can not put a hold on a " class of checks '' which they did. In addition, XXXX XXXX has not had recent high rates of check returns with Chase. so what are their thresholds for determining " high levels of check returns '' - two. We have very little fraud reported on any of our accounts or even returned checks in general. This caused tremendous disturbance to myself and my customers. Had my customers not been as savvy as me, they likely had the hold remain on their funds for 7 days while Chase bank used and earned money off of those funds. 

In addition, as you can see, they lifted the hold from XXXX XXXX routing number but indicate that they have only done this for some of the routing numbers, which means they are likely continuing the practice of blacklisting bank routing numbers and placing holds on people 's deposits. We have also heard of this practice from other big banks/credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
ignored and continued to negativley report on my report causing hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
my fiancee XXXX XXXX XXXX had put me XXXX XXXX XXXX XXXX on his Chase bank accounts as the sole beneficiary and authorized signer to the cash deposit Now account. and I believe there is someone who has cashed the pod account illegally. we resided in XXXX XXXX XXXX Our home was burgerlarized at the time of his death of all personal documentation and everything of value and vehicles stolen off of the property we lived leased. Any thing I can give to check into this more for me. thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
to me in XXXX I made a verbal commitment to a XXXX XXXXl, I ended up sighing for it. When that was happening, I was going through a case, that could possibly lead to some jail time.. which it did end up leading to. I went to school for about XXXX week in a half before i had to go through custody. When I got out of jail, I tried to return to the school, the former lady that talked to me and got me to sign up etc., did n't accept me. XXXX years later, I find out they sent me to collections. My credit is perfect right now because I cleaned it, but I just found out I have a adjustment.. That adjustment effects my life on trying to grow with my family because I am a mother of XXXX kids now and I am trying to become a home owner but I ca n't, and I can figure out how and where to solve this.. and I 'm truly seeking for any help you can do for me. 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
i have several loans with Navient and i am enrolled in automatic payment for over 2 yrs making all required payments on time, reading up on what the media has been informing us i do feel i am part of the borrowers that were mislead to multiple forbearances and eventually to forced high payments, i recently called and provided as much information as possible and had my co-signer provide all her information aiming to lower my just raised payment to a ridiculous amount. after calling for an update they tell me i do not qualify for lower payments, i am stressing out and Navient 's way of calculating unbearable amount of high payments are pushing me to a boiling point of stress. please look into their payment plans and consider the real world conditions in which we live in, Navient is attempting to take all my money and preventing me from providing my family with a healthy living. 

PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Regarding : CMRE Financial Services Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX In XXXX, I had XXXX and received a bill from the XXXX XXXX XXXX XXXX XXXX, XXXX. I overlooked paying the bill, which was referred this service. Earlier in XXXX, I negotiated a settlement with CMRE and paid the bill in full. Since that time, I have continued to receive harnessing phone calls from them requesting payment. When I spoke live with their representative, they told me that there was a mistake and they would remove me from their system. 

I believe these calls were an attempt to get me to pay more money to them after we have already settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I opened a ( ( secured ) ) line of credit with XXXX XXXX XXXX in XXXX in XXXX, and a short time later experienced some financial difficulty which forced me to close the line of credit and use the secured deposit to pay the balance to XXXX. I noticed recently in XXXX that XXXX XXXX XXXX submitted an entry to the credit bureaus that I owe them XXXX. I called their credit disputes department at XXXX and the representative said that the XXXX is unpaid interest on a CD Loan. I explained to the representative that I did not take out a CD Loan I had a Secured Personal Line of Credit and because it was a secured loan and it was opened such a short period of time there is no way that I could have accrued XXXX in interest unless they kept the account open for the past 3 years and did not close the account when I filed bankruptcy. XXXX XXXX XXXX  attempted to file a claim for XXXX, but it was denied by the bankruptcy court because the held the aforementioned certificate of deposit which served the purpose of securing the line of credit and should have been used to pay off the debt under the circumstance. The representative at XXXX XXXX XXXX stated that all she sees is that I had a CD Loan. She stated she would request the original documents. I am filing this complaint, because they did send me another XXXX XXXX Customers tax document, so it is very possible that they got two different accounts mixed up and they are charging me interest and fees that are not relevant to the original financial product ( the personal secured line of credit ) that I invested in.

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 2017-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
Violating a Cease and Desist

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last week i attempted to secure a credit card from XXXX XXXX ; i currently have a savings account with them. This was opened XXXX week ago. I was informed that the card was being denied ; that among the reasons was that my wife and i had too many credit obligations and that there was a collection notice in my file under Experian. 

The only collection attempt that i can recall may under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was would be about XXXX years ago. 
I had enrolled in the above service and then attempted to cancel the next day and was informed it was too late to cancel. 
When the prescriptions arrived from XXXX ; i refused to accept the package. 
If this is the collection notice on my credit ; i am disputing being charged for any orders that was never accepted. 
I notice that XXXX has parted ways with 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 2017-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
The debt was removed from my account because of identity theft and debt was not valid. Debt was placed back on my account did not recieve notice or anything. This debt also violates my HIPPA rights as well. The company does not respond and keeps placing it back on my XXXX credit report. AWA collections and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Experian is reporting a collection account as included in personal receivership. It was not. I paid this account. It was never part of a bankruptcy. I have asked 3 times to have this changed.

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 2017-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection
State: NY

Complaint narrative:
In XXXX of XXXX my husband and I received the first and only phone call from a company called Perfection Collection I believe may be located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX .... I found this address while researching the company. A man named XXXX XXXX called and left a message on our home phone which we still have the recording so this is what he said word for word, he said he was calling regarding sealed documentation that we needed to sign that day, he said he was coming to our home in one hour and that we were to answer the door and except the documents voluntarily and if he could not locate us at our address he would stop by one of our family members homes to make sure he would cover all boundaries. This is the phone number he left on our answering machine .... XXXX XXXX .... he said either we call or he would be on his way. The debt was false, years ago we had an alarm system and from what I 've learned this company somehow got our information and tried to scam us with a false debt claiming it was from our former alarm company. We never received any type of correspondence from them other than the one phone call. I did call back and was told XXXX XXXX was not available so the person I spoke to said we owed {$1200.00} telling me that although we had no longer been in a contract with the alarm company due to the 5 year contract expiring which we fulfilled the 5 year contract and this was now two years later .... that the company automatically had rolled us into a new contract .... theres no such thing which I argued. Then I called a second time after doing some research on this collection company and learned this is how they operate, its a scam, so now the second call to them I 'm told there is no such person named XXXX XXXX and this time the person hung up on me after I confronted them. We hoped that was the end. They never called us again and never at all from the beginning did we receive anything in the mail so we do n't have any documentation to submit, what they did do is put collection notices on both myself and my husbands credit reports, this time for a different amount of {$880.00} which is strongly hurting our 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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
In XXXX, XXXX XXXX XXXX sold $ XXXX of debt to Real Time Resolutions as I was not making payments on this line of credit, nor was I making payments on my first or second mortgage either, because we were upside down on the home ( owed {$450000.00}, sold for {$180000.00} ). The home was foreclosed on in XXXX of XXXX. 
This XXXX, XXXX, I pulled my credit reports, and noticed that Real Time Resolutions ( RTR ) was reporting a debt collection as a 'Mortgage ' and that it was 'Open '. This means the debt could be reported indefinitely. I sent RTR a letter, XXXX/XXXX/XXXX, demanding that they correct this as 'closed ', report is as a debt collection, list the original creditor and the original date of delinquency, as I believe it is past the statute of limitations on 7-Year reporting. I also demanded a copy of my 'Loan ' documents as well. RTR had previously had to remove a fraudulent report of a one-time payment, shortly after the foreclosure, I feel in a deceptive attempt to " RE-AGE '' this account. Why would I make a payment on anything on a home that I had already moved out of, and left for foreclosure? RTR corrected it. 
I just received a letter from RTR, XXXX/XXXX/XXXX, stating the information would not be changed, that it is 'correct ', with a cheap spreadsheet attached called " Loan History Summary '' ( also showing no payments ). I did not receive copies of the original " Loan '' documents as requested. 

Real Time Resolutions is a debt collector and a debt purchaser. They are not a mortgage company. I want the debt listed as a collection, with the Original Creditor listed and the Original Date of Delinquency listed as well, so this debt will drop off soon, if not now, as I believe I had not been paying on this equity line long before I stopped paying my mortgage. Otherwise, I want REAL proof that I signed a mortgage with this company, as demanded. What RTR is doing is DECEPTIVE, ABUSIVE and UNFAIR, and violates the Dodd-Frank Act. 

My credit is not improving after the foreclosure which happened over XXXX years ago. It is stagnant because of RTR, forcing me to pay higher interest and fees, and even forced me to pay an additional deposit on a home I just rented in XXXX, XXXX, due to my credit score. My current credit reports do n't even mention the old mortgages anymore, only RTR remains. I have read that RTR does all this to force settlements/payments, as they are the only ones left after foreclosures, and people ca n't move on and rebuild their lives until RTR gets paid, only because people are n't educated on Real Time Resolutions deceptive practices. 

Please help us resolve these issues, help us get proper documents as proof that we owe or do not owe, and make RTR report this debt as a collection correctly to the reporting agencies. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
Recently I ordered a copy of my credit report and discovered that a collection agency by the name cost to coast financial is reporting a negative account to my credit report in regards to a XXXX XXXX XXXX   company. This is not my account. I have never done business with this company. I tried to resolve the issue with them but they have refused due to a document with my name and a signature that is not mine. They do not have my Social Security Number or my Drivers License as proof that this debt was obtained by me. Anyone could have used my information and signed for it.

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: ID

Complaint narrative:
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to cancel services. Company stated they would cancel that day and that a final payment of {$110.00} would be taken XX/XX/XXXX for services rendered the previous month. They stated an email confirming cancellation would be sent. Email received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to confirm cancellation of services. Agent stated services were not cancelled and that she would do so immediately, and waive the final {$110.00} fee for XX/XX/XXXX for the trouble. She stated an email would be sent confirming the cancellation. Email confirmed to be correct on the phone. Email never received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to again confirm cancellation of services. Agent stated that for an unknown reason services were continued. Fee was removed for {$110.00} from checking account XX/XX/XXXX anyway. He stated he would reimburse the fee and officially cancel services and send a confirmation email. Both refund and email never received. 
At this point next actions to be taken will be that this complaint and a certified letter revoking authorization to illegally debit a bank account as well as a copy of a stop payment order from the bank will be sent to this company. Failure to respond to any of the 3 items sent will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: QC HOLDINGS INC
State: CO

Complaint narrative:
I went to quik cash to get a pay day loan. They claim to have contacted me via mail. However I do not recall receiving any letters or emails. 

Before I know it I am being told by a family member that I am being summoned to court. The person who was serving me disclosed the information about the summons to the third party ( a family member ). A few days later the same person left the summons on the family members door step. The person who was trying to serve me apparently tried to give the summons to said family member. The family member refused to take the summons. This in itself is not the proper way to serve someone. 

So apparently quik cash will take you to court, and have you pay the court cost over a $ 300- {$400.00}  payday loan. They will not try to settle with you, or ensure that you received previous letters, or report it to your credit. Quik cash will immediately summons you to court over a small lian and have you pay for it.

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 2017-10-02 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/XXXX2017. Interest rate is 786 % I have paid 7 payments of {$220.00} biweekly. The finance charge is {$1800.00} on {$750.00} loan. Total amount I will pay for this loan is {$2600.00}. I feel this is too much interest. I still have 5 more payments.

Company response to consumer: Closed with explanation