vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
On XX/XX/XXXX Credit Adjustment INC contacted me regarding a balance that was owed to the pharmacy counter that was dated XX/XX/XXXX. I never went to the pharmacy counter on that date and at the time I was a minor. I tried to explain that to them and they would not.listen. I also asked them to send out a letter in which the Representarive names XXXX hung up on me. Then I was told by a 2nd representative that it was legal for them to try to collect from me since I now turned XXXX, which is not true. I would like to seek legal counsel for harassment as well as them being untruthful with me.

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 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Paid out through XXXX XXXX XXXX , XXXX who sold the debt not owed anymore to XXXX XXXX earlier this year. I wrote to XXXX XXXX that they bought debt that was already paid and I provided the list of dates and payments made to XXXX ( XXXX bank ) and they continue to call my phone daily XXXX among other numbers they use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
i have a debt on my XXXX  credit report that expired on XXXX of XXXX for the amount of {$610.00} that i asked simons agency  of XXXX XXXX XXXX XXXX ny XXXX to be removed from my credit report. i disputed this with XXXX and they told me it was up to simons agency to remove this. i talked to XXXX XXXX over at the simons agency this morning XX/XX/XXXX and he told me simons would not be responsible for removal from my credit report. i have explained in several calls and through written letters that this debt is past the statute of limitations and debt reporting in new youk state but to no avail. simons will also not offer better terms of negotiation on former debts and is still trying to collect on debts that are more than 7 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK
State: VA

Complaint narrative:
Paid bill on time from XX/XX/2017 to XXXX of 2017 of payment on statement sent to me. They raised payment in XXXX of a few dollars and we was never sent nothing or notified of change so for them months what we was sending wasn't enough so it made me delinquent for them 3 months. I was never told about the increase in payment or contacted. I seen it on my credit was how I found it. Was never contacted by the credit card company. Once I caught it I paid the late penalties and for a year now have not had any late payments. I feel this should be taken off my credit for i was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been sending letter to Tranunion about requiring investigation in XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, IL XXXX for over six months. They keep saying debt was verfied but when I reach out to XXXX XXXX I never hear back from them. The last statement stated that account was updated on XX/XX/XXXX but I attempted to verfie on XX/XX/XXXX, to Both Trans union an XXXX this could no be true.

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 2018-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XX/XX/2018 RE : bank accounts XXXX XXXX XXXX and XXXX XXXX XXXX On Thursday XX/XX/XXXX and Friday XX/XX/XXXX I open these two bank accounts at Chase Bank in XXXX, Oregon. On Saturday, XX/XX/XXXX, I logged into those accounts, using online banking, in order to purchase checks using XXXX XXXX services. Everything was fine in that online session. 

Today, Monday XX/XX/XXXX, I attempted to log in on those two accounts and received an error message. It said I was unable to log in and to call a number they provided. I called that number and spoke to four people, two of which were an initial fella, XXXX, XXXX, and XXXX. They told me my two accounts were cancelled, that it would take 14-20 days to return via mail the initial deposits in a cashier check. The initial deposit was {$100.00} USD in each account, {$200.00} USD total. 

Well, I am out the {$200.00} for almost three weeks and the cost of the checks which is is {$13.00}, plus my frustration and defamation to my name since this will have negative impact on my credit score. 

No reason was provided to me on canceling my accounts. I have a average credit score. I have existing checking accounts with three other banks in this community on my business banking and my personal banking. 

I am writing this letter to file a formal complaint with Chase Bank on their discriminatory and secretive banking practices. My accounts were cancelled with no notice. My money is being held for 14-20 days before being returned. I am out money I spent on getting checks printed. I made a request to each person I spoke with to go to the local Chase Branch, in XXXX Oregon, and pick up my deposits. Each person said that was not possible. I have not written and checks or made withdraws on those accounts. Why is it taking three weeks to return my money? 

I want a refund of {$200.00} for my deposits, {$13.00} for the checks I ordered, and {$1000.00} in punitive damages. That is a total of {$1200.00} USD that I expect to receive from Chase Bank. 

What do I need to processed a formal complaint with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My situation dates back many years to dealings with both Regions Bank and XXXX before the merger. We ( myself, my brother, and my first cousin ) had a number of personal and business loans with these banks. All of these were handled in a satisfactory manner and we paid those loans in accordance with the agreed upon terms. 

In XXXX we were reworking and renewing most of our loans. Our loan officer at the time, XXXX XXXX, recommended different loan structures that he said would best fit our needs. Having always had a good relationship with our lenders ( who we considered our business partners ) we went along with his recommendations. I was later told by a person no longer with Regions that loan officers had an incentive to promote certain types of loan structures because it led to significant bonuses for the loan officers and to their superiors. 

I recall specifically that we were rushed to sign many of these documents at the end of XXXX in XXXX, just before the quarter end. Mr. XXXX drove to XXXX to meet us to complete the loan documents. I now believe that this was in part to book those loans prior to the 2nd quarter end. In particular, a large amount of the loan volume was tied to an " interest rate swap '' that later proved to be very problematic. 

In any event, we paid those loans as agreed and continued to do so until some of the loans matured. At that time we had assumed that the loans would be renewed on the same or similar terms as before since we had performed in accordance with the loan terms. Instead, the loans that matured were called due and were told to pay off Regions " or else. '' Thankfully we were able to refinance those loans and paid Regions in XX/XX/XXXX. Even the loans that were being paid on a monthly basis and that had NOT matured were accelerated due to the other loans having matured and not being paid off. In effect, Regions forced us to pay off loans that were current, and those were the loans with the penalties associated with the interest rate swap. 

During this same time period I had a personal loan that had to be renewed. It was handled in much the same manner as the business loans, but it was ultimately renewed. However, the terms were unfavorable and that was due in large part to the negative effect on my credit which had been damaged by Regions handling of my various loans. 

That personal loan has matured and I am once again in a conflict with Regions about refinancing that loan. That situation is the primary impetus for the filing of this complaint. I have attached copies of various communication which I have had with Regions in support of this complaint. I very much appreciate the opportunity to present this information to you.

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 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Paid out through XXXX XXXX XXXX , XXXX who sold the debt not owed anymore to XXXX XXXX earlier this year. I wrote to XXXX XXXX that they bought debt that was already paid and I provided the list of dates and payments made to XXXX ( XXXX  bank ) and they continue to call my phone daily XXXX among other numbers they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Risecredit, LLC
State: PR

Complaint narrative:
I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: BCB Investments LLC
State: IL

Complaint narrative:
I have been sending letter to XXXX about requiring investigation in XXXX  XXXX XXXX Ag XXXX XXXX XXXX XXXX, IL XXXX for over six months. They keep saying debt was verfied but when I reach out to XXXX XXXX I never hear back from them. The last statement stated that account was updated on XX/XX/XXXX but I attempted to verfie on XX/XX/XXXX, to Both XXXX XXXX an XXXX this could no be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I do not owe any one money. I paid all my doctors bill and every other bill I have so I don't understand why they keep calling me. Then they want my personal information and they will not tell me who I owe money to. I have not received any late or collection bill either so I don't know what they say I owe. I asked they to mail me a letter again they want my personal information with I will not give. Please help.

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 2018-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Pentagon Federal Credit Union has been trying to collect on an debt that I do not owe for the past two years. I have been a victim of Identity Theft and have tried contacting the credit bureaus and Credit Union via mail and phone to inform them of that. Pentagon has hired 3 companies to collect on this debt and I do not believe that is legal, because I have never given either of these companies to input any information to my personal credit profile.

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 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had received a promotion mail promising that I would get 12 month of interest fee purchases and an XXXX XXXX from TD Bank for new credit card opening. I did get the XXXX XXXX, but the bank kept charging me additional interest for all new purchases. 

The disclosure was stated as follows APR for Balance Transfers : 0 % introductory APR for first 12 billing cycles after account opening. After that, 14.99 %, 19.99 % or 24.99 % based on your creditworthiness .If you take advantage of this offer and use your account to make new purchases, you can avoid paying interest on those new purchases if you pay the minimum payment due and the total outstanding purchases balance, including any fees that may have been assessed, by the payment due date shown on your monthly billing statement.. 

With the above statement, basically the the bank says, only if I do a balance transfer, I am eligible for new purchase credits for 12 months. As an average consumer, I did not understand that 'only If I do the balance transfers that my purchases will be waived for 12 months '. 

The language in the disclosure seems to have been made intentionally to confuse the average consumer. 

I had called customer service for TD bank, they refuse to refund my money, saying you signed the disclosure and there is nothing we can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I have been working with Ditech for over 3 months on a review for Loss mitigation to try to get my account current. IN the midst of my review Ditech decided to place a sale date for XX/XX/XXXX. A week before my sale date they denied my review stating that there was not enough time to review my case with an upcoming sale date, as they state I am not eligible for another modification until XX/XX/XXXX being that I received one in XXXX. 

When they began the review process 3 months ago, they had told me that I was not eligible until XXXX but that I could start applying now as the review would take a few months and that the investor allowed a review within 6 months of the 24 months deadline for a program eligibility under FHA guidelines and that if need be they would postpone the sale date to allow me time to be eligible. 

We are 2 months away from being qualified, and I have been informed that FHA has actually allowed people to be approved within 18 month of their last approval, and in this case even though we are eligible and within the time frame, Ditech will not postpone the sale date to allow us to qualify. 

I feel this is predatory lending, as I fell on an unfortunate set of circumstances when I go severely sick last year and my significant other lost her employment. 

I have since then been trying to do everything under my power to make amends on the loan and be able to get back on track now that my finances have gotten better, and Ditech stated they would try to help me and work with me only, to turn around and deny me a week before the sale date and try to say my only option is to come up with a total amount of over 15,000 $  which is impossible for me at the moment. 

I would like Ditech to postpone the sale date and allow me to be able to get back on track through the FHA Modification which I will be eligible for in a little over a month. 

Please help as I have been in my home for a very long time and would like to do everything possible to keep it and my family there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Paypal is a money transmitter. I have used PayPal for years with many clients who may for my services. I am a XXXX XXXX and XXXX. Today, in the process of receiving money from XXXX, a customer of mine, who has paid me using PayPal 12 times in the last year, I received and email that said this payment will be on hold for 21 days. 

I believe that PayPal is broken. I talked to their support people this afternoon, I was on the phone for over an hour with long periods of waiting. In speaking with two people, they did not have a resolution and could not offer an explanation. The last PayPal person said I should contact XXXX and have him click the transaction and confirm it. So I did that after the call. There was zero change - no removal of the HOLD status on this transaction. How many other people suffer from PayPals broken processes?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: NJ

Complaint narrative:
Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 60 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance {$290.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Contact Information XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have called several time and disputed this account spoken with supervisors below. 
XXXX ( Intergrity Team ) XXXX XXXX XXXX XXXX send me documents showing the accounts i have with them and this account above is not even listed. Document was sent to Experian and XXXX   who refuse to remove this account.

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 2018-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
To whom it may concern, On XX/XX/2018 my XXXX student loan account # XXXX XXXX XXXX was paid in full. I received a Paid in Full Notification letter that I have enclosed. The account was closed and removed from my credit report and everything seemed normal and I believed it was a closed matter. Fast forward to XX/XX/2018, while I was on my monthly routine of checking my accounts I noticed I have a new balance on the closed account and I was surprised to see that on the closed old loan. I thought it was an error and it would just go away. I should have known better next month it was added to my bill doubling my monthly payment. After noticing this I immediately called them to ask them why was this account that was paid in full and that they had sent me a letter confirming that fact back with balance and with more interest than before. The representative said it must have been a computer glitch to what I replied I dont think you cant make a {$13000.00} error on an account. The representative asked me if I had any proof of the payment and I said I had not the proof at hand but that I had to locate it on my files. I also told the representative that I wanted to dispute the loan. He said he would send me a form for me to dispute it. I am still waiting for that form. Basically what I am getting from XXXX is that if I misplaced my information to proof that I have paid my loan in full I have to pay my loan again with interest just because they had a glitch. And unfortunately I have misplaced my documents showing my payment to the account! I think this is most concerning for people like myself that make the best effort to pay for their student loans and companies like this one have the nerve to tell you its just a glitch and you have to pay again. Having said that I have keep working with them so I can accommodate this loan in my monthly payment so my accounts dont default and stay current. I want this account closed and taken out of my credit report and of my student loan account. I sincerely ask for your help in this matter. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation