vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the debt was not valid. I sent them a request to have the item removed from my credit report on XX/XX/2018. Caine & Weiner instead sent me a bill with non of the information previously requested in my debt validation letter and they have not sent me anthing stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ), instead they keep harassing me with bills for a debt that has not been proven to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
My Balance is XXXX Dollars, I have tried to get the Public Employee loan forgiveness and they stated I did not qualify, I am a state employee who brings home XXXX dollars a month, with Medical Bills and other bills it is hard to make ends meet, Plus they send Letters to My Elderly Parent 's Home which I do not reside at this gets them upset this is Harrassment on a new level and making calls to my parent 's home but Mailing them letters is un called for when they were not on my loan I am trying but it has been hard on me, I think a loan forgiveness would be appropriate since I was pressured in to this loan and was not given the opportunity to get a Federal Student Loan I had to file Bankruptsy 1.  Mailing Letters to Family Members is Violation 2. Calls all the Time Day and Night 3. not giving me a chance to get a Forgiveness 4.This seems to never end with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Had a high balance on a Chase Credit Card. Paid of the high balance on the Chase Credit card. Then received high fees and interest month later as I continued to use card. Paid of balances that belong to me and left only the balance of fees. Contact Chase to tell them that the fees were excessive, XXXX total, and I would not pay. Now account is growing because I will never pay the card due to the excessive fees. This has been reported before and Chase determine that they are valid. So this a complaint that Chase is  apparently allowed to put any charges on customer accounts and call it valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: CA

Complaint narrative:
They continue to constantly robo-call all hours of the day and night

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX an automatic direct debit payment of {$580.00} was withdrawn from my bank account by XXXX XXXX but that payment was never applied to my account. I have called XXXX XXXX several times about this. First they had no record of the payment they asked me to get some information from the bank about the withdrawal and call back. When I called back the first person I spoke to hung up on me but I finally got someone to listen to me but I was transferred several times to different operators. Then finally I got someone who seemed to know what he was doing but he still couldn't find my payment. He told me to upload my bank statement showing the withdrawal to my account and he would send the complaint to his supervisors. Weeks later having heard nothing I called again I was told the complaint was submitted on XX/XX/XXXX more than a week after my initial call and he told me it would be up to 15 business days before I get resolution. I called again after 15 business days had passed and no resolution and was told it would take 30 to 35 business days. It has now been over 2 months since my payment was withdrawn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCC Business Services, Inc.
State: VA

Complaint narrative:
About two months ago, NCC Business XXXX called to collect a debt from XXXX ( a rental company ). I asked NCC Business XXXX  for their XXXX  XXXX number and they told me they would call back. 

Today, XX/XX/XXXX, I had two conversations with them, they assured me that debt was not for damage, but for utilities. I asked them for their XXXX number, they would not give the number. The supervisor claimed that NCC complies with all local regulations.

I accessed the XXXX XXXX XXXX and printed out their XXXX number which was revoked on XX/XX/XXXX. I called back and informed them of this fact. This was on a recorded line on my side

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have an American Express issued XXXX prepaid XXXX for three years. In XX/XX/2018, this credit card was cancelled and I suppose to receive a check of more than {$150.00} for my existing balance, which I did not. I have contact them more the 10 times using the customer service number at the back of the card ( XXXX ). 
At the early contacts, I was nicely told that the check is on the way, and just be patient to wait one or two weeks. after 3 or 4 contacts, my phone call was transferred to a so called " technique support '' department ( I am not sure whether it is real or not ). I have contacted two people in that department, one call himself XXXX and the other is XXXX who is also claim himself the manager of the " technique support '' when I wanted to speak to his manager. And again another one month wait for nothing. 
To my understanding, American Express is a big company with reputations, and that's the reason I keep contact them for several months before file the complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-03 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: FL

Complaint narrative:
The collection agency properly can not verify this debt from XXXX XXXX XXXX after several validation requests yet it is still being placed on my credit report. I have written to the agency and the credit bureaus asking for removal. It has been more than 30 days since my request and they can not locate the information as requested and required by law. They never sent me a certified letter either as they claim and can not furnish proof by sending me the certified letter proof number. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Company card w/XXXX XXXX XXXX BMO Harris ) - {$3300.00} Name of Company : XXXX This was a XXXX XXXX XXXX company card. I left this company XX/XX/2018. All expenses were submitted and approved for payment prior to my leaving XXXX. XXXX has not paid this expense. XXXX XXXX XXXX has repeatedly called and harassed me on a daily basis ( sometimes more than 3 times in 1 day ). I have on more than four occasions patiently explained how this was approved prior to my leaving XXXX and XXXX XXXX XXXX should reach out to XXXX. This has now become harassment. I have asked XXXX XXXX XXXX repeatedly to stop calling as I can not help any further. XXXX XXXX XXXX even suggested I pay them ( XXXX XXXX XXXX ) and go after XXXX legally. I should not have to do this. There was one day that XXXX XXXX XXXX called me 11 times! 
In addition, I was told by one of XXXX XXXX representatives that XXXX has a habit of not properly settling these types of accounts ( when an employee leaves the company ) in a timely fashion. All protocols was appropriately followed by myself with both entities.

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 2018-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: SC

Complaint narrative:
Monthly payment was made XXXX-18 and then pay off made XXXX-18, on a recorded line the rep stated you have to call in pay off payments that are planned on being made. I asked her to direct me to where this clause was in the contract and she could not. Even though the balance shows as {$0.00} completed and I can't use my social security number in the automated system because it says I no longer have a loan, they took out another payment for XXXX on a {$0.00} balance. They plan to take out another payment in XXXX claiming the 2 payments are for interest. This totals over {$1300.00} in interest being charged in 28 days on a paid off account. After arguing back and forth that the contract had no call in clause and being placed on hold multiple times and transferred, they finally agreed to shut off the automatic payment. They reversed the XXXX payments but still want me to pay an additional {$1000.00} in interest fees and will be billing me for this because their screen shows different information than they show on my online account. Even though it is paid in full with a {$0.00} balance, completed, states they took {$0.00} out for XXXX but admitted on the recorded line they did in fact take the payment out, they are still requiring another payment in XXXX on a {$0.00} balance and loan that can't be accessed via my social security number because it is paid off. This is fraudulent business practices at best. Loan amount taken out was {$16000.00}, first payment due date was XX/XX/18 and amounts paid were {$610.00} on XX/XX/18 and an additional payment of {$16000.00} on XX/XX/18 for a total of {$16000.00} which is {$490.00} over the amount borrowed and paid off within 28 days of the monthly payment leaving a {$0.00} balance ( screenshots taken ) but they are now requiring I make additional payments of {$510.00} and {$350.00} " for interest '' which is an additional {$860.00} on top of the {$490.00} already paid for 28 days of the loan. This is a total of {$1300.00} " for interest '' for 28 days of the loan. Again the loan is paid off in full but they are requiring additional payments even after a {$0.00} balance. The second rep said they will update the system for my refusal to pay on a {$0.00} balance to reactivate the loan, which will accrue interest and payments again on a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo informed us that through their negligence they never properly recorded our mortgage with the XXXXXXXX XXXX  XXXX XXXX County Clerk 's Office, thus leaving our mortgage unrecorded. I reached out to them several times, but they have refused to right this wrong. We closed on our mortgage in XXXX of 2016. About ten days ago I contacted XXXX XXXX the Deputy City Register at the Dept. of Finance and told her of the situation. She spoke with XXXX XXXX of Wells Fargo and told them that they were responsible for the fees and costs of recording my mortgage, yet they still have not sought to rectify the situation. Can you have them rectify the situation? If not, can you put me in contact with the agency that can?

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 2018-12-03 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: FL

Complaint narrative:
The collection agency properly can not verify this debt from XXXX XXXX XXXX after several validation requests yet it is still being placed on my credit report. I have written to the agency and the credit bureaus asking for removal. It has been more than 30 days since my request and they can not locate the information as requested and required by law. They never sent me a certified letter either as they claim and can not furnish proof by sending me the certified letter proof number. This is fraud.

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 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
Our account was bought by Flagstar Bank on XX/XX/2018. We have been informed of the process since XX/XX/2018 when XXXX XXXX inform us of the plan buy. We have received out debit cards a few weeks back. Last week we received out checks and only my husband 's name appeared on them. I call and to inform them of the error and was told I would have to wait until Monday XX/XX/XXXX to have it taken care of. I called and waited for 45 minutes to speak to a banker to be told there is nothing he can do, that it was what XXXX XXXX send over to them. He told me I would have to call XXXX to have them reissue the check with the correct name. I called the number and was told they were just the printing company and have no way to change the name on a checking account. I turned around and called Flagstar back and waited on hold for 40 minutes to be told that I would have to go into a branch office which is 250 miles away, Then was told there is nothing they can do. I feel this is ridiculous that they should make good on the check. I have not ask to be send to Flagstar in the first place. I am already out time to change all my ACH because of this whole mess. They need to replace the check with the proper names on them.

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 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: SC

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Il XXXX On XX/XX/2018 XXXX XXXX XXXX send me a letter I owe them XXXX ... ..So send them a letter on XX/XX/2018 saying I have no knowldge of this debt before 30 days after there letter was send out ... .180 days later the debt was reporting on cedit report that I owe XXXX which is the wrong amount ... ... Now on XX/XX/82018 I send a dispute letter to them on what I seen on my credit report 45 days no reply ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The company failed to show me any proof of a contract I have with them. I have never done business with this company before. 
They have reached out to me earlier this year in an attempt to collect a debt that I do no owe. 
They removed the item from my credit report earlier this year, then proceeded to put the account back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was in the process of changing banks and left my old bank account ( XXXX XXXX ) open since changes to my direct deposit setup were slow in going through. On XXXXXX/XX/XXXX I changed my Paypal preferred method to my new bank ( XXXX XXXX. I attempted to delete my XXXX XXXX  account from Paypal but it would not permit me to do so. I went on a trip that day for a conference in DC and used several XXXX. When I got home, I found out that Paypal had continued to send transactions through to XXXX XXXX  over the weekend, and was therefore overdrawn with overdraft fees for each transaction amounting to nearly {$400.00}. I sent Paypal a message and received an automated reply that they would respond to me within 24 hours. They did not contact me. I double checked that my preferred method of payment was saved as Chase. It was. I tried again to delete my XXXX XXXX account from my Paypal account and could not. I tried to close my Paypal account entirely, but the webpage was non-responsive. I went to my bank and asked them to forgive the late fees, and they agreed to take a little more than {$100.00} off. But by the end of the week, additional automatic transactions for subscription services were sent through, overdrawing me again by more than {$100.00}. I video recorded the problems I have had with the Paypal webpage, but  now I have lost over {$400.00} in overdraft fees because the webpage is unresponsive. Finally, I went into XXXX XXXX  and closed my accounts entirely. This morning I received notice from Paypal that they are still trying to send transactions through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
This is something I have never had access. I would like to know who opened the account as well as press charges on the individual responsibile for ruining my credit that I have not been able to use due to their fraudulent intentions. Everything that I have applied for has affected my credit and has been denied due to this account. I'm wanting to own my own home but my credit worthiness is beyond horrible from the hard and soft inquires. Some one also attempted to used my information to purchase a vehicle which was denied but is on my credit for the next 2 years. I need someone to help me dispute these things because I don't have anything, not even a student loan. There are utility bills in my name that I have not opened because I have never lived at some of the addresses. I tried to dispute it on XXXX  but I need direct assistance with everything thatd5 going on. Could someone please look into my file and contact me so I can explain everything that is not related to me. Please XX/XX/2018 Date Opened Open. {$120.00} past due as of XX/XX/2018. 
Status Updated XX/XX/2018 $ XXXX Monthly Payment {$310.00} Credit Limit {$1300.00} Highest Balance NA Terms {$440.00} Balance Updated XX/XX/2018 {$0.00} Recent Payment Amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This complaint is for XXXX XXXX  and XXXX XXXX ( Referred to as XXXX ) related to their payment management system. XXXX  provides store cards for several retailers such as XXXX XXXX and XXXX XXXX. Following is related to XXXX XXXX card : One of the  limitation of their payment management system is that one can not schedule an automatic payment like other credit card companies do. As a result, if one forgets to make a payment then they charge you a late fee. When you ask the customer service why there is no option to schedule automatic payments, their response is that they do not have the ability. When asked to waive the fee they respond that they can waive only once a year ( rolling 12 months ). 

I feel that by not providing the ability to schedule automatic payments is unfair. I spent almost 81 dollars in late fee in 2018, which would not have happened if there was an ability to schedule automatic payment. Please let me know if my complaint is reasonable. 

Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Spoke with a representative of Experian, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which i did, and it came back verified. This isn't possible, i've already file a police report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, i just want to protect myself from any further damage, and gets these accounts of my report which has cost me denial of credit and higher rates when i did get approved. I was totally clueless of this account until recently in XXXX when i got my credit report.

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