vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
On XX/XX/2018, I agreed on a {$500.00} loan with XXXX XXXX XXXX. 

On XX/XX/XXXX, I had a minimum payment due for {$150.00}. I emailed and asked XXXX XXXX ( person who handles my loan ) how much my final payment would be if I want to pay {$300.00} instead of {$150.00} on XX/XX/XXXX. XXXX said after the {$300.00} is sussesfully in ( if I agree to pay {$300.00} ), the system will calculate and give the amount for final payment which is due on XX/XX/2018. He said the final payment would be {$360.00}. I havent agreed or authorized for {$300.00} to be made but {$300.00} was withdrawn on XX/XX/XXXX instead of {$150.00}. I didnt complain about it because it was what I wanted to pay. 

- On XX/XX/XXXX, i emailed XXXX to make sure the final payment I have to pay on XX/XX/XXXX to have to loan paid off. He emailed me back telling me the final payment would be {$450.00} ( instead of {$360.00} he told me ). I and XXXX were still in the middle of the confusion about why the final payment is way more than what I was told after I paid {$300.00} for the first payment. I never received a reply from XXXX. 

On XX/XX/2018, {$150.00} was withdrawn from my bank as the minimum payment due. I emailed XXXX and asked him why {$150.00} was withdrawn when I and he were still trying to work the final payment out. I wanted to pay it off not minimum payment only. He replied {$150.00} was withdrawn as the minimum payment due because there was no confirmation that I wanted to pay off with different amounts. I asked him then why my first payment was {$300.00} without my confirmation. He keeps denying it and blame on the company system - and he told me he talked to his manager and I can pay off the loan tomorrow in the amount of {$290.00}. 
In conclusion, I cant avoid the final payment in the amount of {$450.00} or higher ( even tho he told me it would be &

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: IL

Complaint narrative:
I am part of the loan forgiveness program, after I make 120 payments on time I should have my loan forgiven. I have made 70 qualifying payments, the computer says I made 47, I have been calling for 14 months and they always say they are working on fixing the problem, but 14 months and I have no 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: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates LLC is reporting payment on my credit reports that I am not making thus re aging the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
I allowed my subscription to the XXXX XXXX  to lapse. They had said they were switching to Autopay, but I never agreed to it choosing to let the subscription lapse instead. Without ever even sending me a bill, I started to get nasty telephone calls from someone who claimed to work for the XXXX demanding money. I finally blocked the number and they turned me over to A.R.M. Solutions asking for {$72.00}. I called the XXXX to contest it and they said they couldn't make it go away and suggested I pay them instead of the collection agency. I paid the amount in full on XX/XX/2018. 

Now I have received another bill from A.R.M. Solutions, for {$5.00}. No explanation of what it is for, but they sure do want my credit card number. 

I believe this is fraudulent and that they will continue to threaten me and send false bills to me if I comply. 

How do I get this to stop. My credit rating hovers around 830, so this isn't because I am a deadbeat.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a dispute case with Citi XXXX for charges of XXXX with XXXX 's XXXX on XX/XX/2018. Citi continues to issue a credit and then debit this charge 30 days later. More importantly Citi continues to allow vendor to confuse the issues. on XX/XX/2018 I advise vendor that the temperature on the boat reach an inhabitable temperatures. I advise the vendor that I could not stay on the boat because the air conditioner could not keep up due to the high temperatures. see attached text exchange with vendor. In addition to the inhabitable conditions my dog and I contracted XXXX due to the water on the boat. XXXX is one of several XXXX XXXX  known to cause XXXX in both dogs and humans due to poor water. 
XXXX 's XXXX does not have a cancellation policy in the agreement and therefore Citi states because XXXX 's XXXX does not have a cancellation policy I am obligated to pay for charges that I did not stay and cancelled due to the inhabitable temperature conditions on the boat. see attached weather report and contract signed.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There is Debt Collection from XXXX XXXX XXXX XXXX for $ XXXX1that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have several loans in ibr with Navient. I was told that two of my loans do not qualify for Ibr and wont be part of the ibr forgiveness in 25 years because my income is too high. My loans  are also split up and being paid off in increments instead of a whole. So some of them will likely get paid off before the 25 year mark instead of the entire debt being forgiven at 25 years. Until I spoke to the customer service I had no idea that it was not counted as part of my total debt and to the IBR calculation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Have dealt with Ocwen through efforts of reps with XXXX and XXXX Ocwen will not accept loan mod packages and will not send out proper notices for any denials Refuses to speak to my third party

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This complaint is regarding PayPal and their unlawful and illegal seizure of my readily available funds. 

On XX/XX/XXXX, through a series of ( 40 ) transactions, I loaded $ XXXXUSD worth of Visa/MasterCard gift cards ( {$100.00} ea ) onto my PayPal account so that the money could be used in one or two large transactions rather than used individually. 

The gift cards were processed immediately and PayPal charged 2.3 % on each transaction. However, only {$500.00} was made immediately available and the remaining was held " Pending '' while PayPal completed an investigation on the transactions. 

I was required to send them additional personal information ( drivers license, credit card statements, bank information ), all of which I submitted in a timely fashion. I was told by a customer service representative that the investigation could take up to 30 days. 

On XX/XX/XXXX, I called PayPal and spoke to another customer service representative that explained to me that the hold is typically done in order to protect against buyers requesting refunds. I explained to him that this is not a situation where money would be refunded and he said that he was going to recommend that money become available. 

As of Saturday XX/XX/XXXX, the money is no longer pending, it is listed as " Available '', however, when I go to move the money into my bank account or try to send the money to another PayPal user, I receive a system error that states " You can't use PalPal anymore ''. The message goes on to state that " I can not send or receive any money, and that the money will be held for 180 days ''. 

After several calls to customer service yesterday and today ( XXXX ), I have been told by PayPal in this instance, the money is " Available '' and does in fact belong to me. However they will continue to seize my funds for the remainder of 180 days from my last transaction. They have shut my account down, and I am not able to send nor receive funds via PayPal. The customer service representative also explained that they are not able to make arrangements to set up payment or issue me a check for that balance listed on my account ( {$3800.00} USD ). 

PayPal in this instance is acting as a Financial Institution with power to seizure, without any legal authority to do so. PayPal is refusing to release fund to me, even after declaring me the rightful owner of the available funds. 

I have made a formal complaint to the FTC ( Ref # XXXX ). 
I have contacted the NYS District Attorney 's Office. 

I am acting to file a publishable complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XX/XX/2018 To Whom It May Concern : Good afternoon! We have an existing loan with Bank of the West. The loan is for an RV. We are having problems with the RV and the factory agreed to exchange it to a new one. The dealership sent in the paperworks on XX/XX/2018. The bank lost the paperworks and was re-submitted on XX/XX/2018. 

The banks deadline for this Exchange of Collateral is on XX/XX/2018. As of today, it is still not done. We have been calling twice a week for an update. Everytime we call, the bank would say its not completed and would send an email to the Collateral Department to expedite. Bank of the West said they received all the paperworks from the dealership Banning RV and the factory XXXX XXXX. 

Please help us to resolve this issue. Thank you very much. 

Sincerely, XXXX and 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 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
I helped my sister with her appartment by giving her my pay stubs cause she need a proof of income i never signed any lease or anything i explained this to the company hunter warfield and they sent me papers with a electronic signature which i never signed I told  them this is not me and it was forge documents and they still trying to get me to pay my sister debt

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: WLCC
State: NJ

Complaint narrative:
This company contacted my employer without my permission. I have a voicemail from them attesting to that. Further, I reside in New Jersey where PD loans are illegal, and loans are capped at % 30. I have paid them over {$5000.00} on {$2300.00} loan much more than 30 %. The company has no right to contact my employer thus sharing my loan information without my permission.

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 was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
We had an XXXX XXXX card that was paid off in XXXX or XXXX, we lost paperwork in Hurricane Harvey last year. Anyway, this is the second paid off XXXX card from 8+ years ago that has been sold to some outside collection company, without any written notice. We do not owe this and we are upset that XXXX continues to try and sell off our old paid off debt, and furthermore beyond the statute of limitations. Our credit is clean, clear and good and we are in good standing with ALL of our creditors. Please stop them. thank you.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2018, I received a notification that a hard inquiry had been added to my Equifax credit report. Upon checking the origin of the inquiry, it was noted that XXXX XXXX ( Telephone Companies ) was the creditor making such inquiry. I not authorize an inquiry to my credit report, I have not in the past or in the present, had any association of services with XXXX, nor have I made any inqiuiries for their services, been contacted by any representative of XXXX or received any solicitations for their services. I immediately filed an on-line dispute with Equifax and received an error message to contact them regarding the results of their investigation. Equifax did place a fraud alert on my report that is to flow across to the other credit reporting agencies, but noted I would need to contact XXXX to have the inquiry removed from my report since only the creditor could authorize it's removal.. 

I've spent the better part of 3 days making numerous phone calls to XXXX in an attempt to speak with someon who could direct or assist. me to the proper deopartment and authorize removal of this inquiry. Dozens of calls to several of XXXX ' published customer assistance phone numbers continually placed me in an electronic holding pattern, one time for ( 3 ) hours with a recording that all representatives were currently busy assisting other customers. Of the dozens of calls made, only twice did I finally get a live person ( one in the credit department and another in wireless services department ) neither of whom could assist me because it wasn't within the scope of their departments ability. Both suggested I contact the credit reporting agency and dispute the issue with them and request the inquiry be removed. Both provided a phone number to the Wireless Services Fraud Department that again, kept placing me on hold without answer. 

I've been repeatedly attempting to contact the XXXX XXXX Fraud department ( as directed ) at the phone number provided by the Customer Service Representatives only to go on hold for extensively long periods oftime. To this date, I still haven't spoken with anyone that can actually assist to correct this issue. 

As a consumer, I'm deeply concerned about the ease of which this fraudulent and unauthorized inquiry could be made to my credit report and correspondingly personal and private information. This is the second unauthorized, unsolicited inquiry made within two years. The same lack of assistance and remediation existed in that incident too. I'm concerned about the lack of responsibility and assistance I've been experiencing to remedy this matter, remove the hard inquiry from my report and prevent further potential issues against my reportable credit status.

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: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i have a store card with XXXX. i am less than 3 days behind on my current payment. I understand the importance of paying on time but i have to wait for my paycheck to pay the bill. However the company ( synchrony bank ) continues to call me at least 4 times a day every single day telling me i need to make my payment. I am fully aware it is due and have told thiem it will be paid and i feel harassed by the number of calls that I am getting from them. I have had to place my phone on silent so that I do not have to hear it ring all the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
On XX/XX/2016 I opened a student loan with SOLOMON & SOLOMON PC to attend XXXX XXXX XXXX College. Due to XXXX XXXX and family issues I could not complete my education and needed to drop out. It was in XX/XX/2016 that I moved and the debt collectors did not sent notification to the new address.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. I sent this account my dispute on XXXX but Until now, Nothing has been deleted. 

For YET another time, this account is fraudulent and I need deleting from my report ile asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act 4. dispute letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JTM Capital Management, LLC
State: CA

Complaint narrative:
On XX/XX/2018 - I received a robo call from the debt collection company identifying as XXXX although XXXX appears to have sold the debt to JTM Capital Management , LLC and would be handling the matter as of XX/XX/2018. XXXX claims to have received my information on XX/XX/2018. After following the prompts and trying to figure out why I was being called, the representative XXXX called and told me to " cut the attitude '' mind you, this is an unsolicited call to my job by people trying to verify who I am but called me. She was rude and said ( since I have an attitude ) " blah, blah, blah, we'll just continue to call you at work! '' She then hung up on me, called back from a blocked number and just proceeded to breath into the phone and not say anything. This is in direct violation of 15 USC 1692d Sec. 806 ( 5 ) of the FDCPA. I called the number from the initial phone call XXXX and spoke with XXXX XXXX, who told me to " focus and get back to the basics '' she said JTM was seeking a judgement against me and they were trying to settle the debt. I have received no correspondence from JTM indicated there is a judgement. I explained to XXXX that I am aware of my rights and work for a law firm and the sheer fact that she is mentioning a judgement ( without an actual judgment in place ) is in violation of the 15 USC 1692e Section 807 ( 13 ), which states " the false representation or implication that documents are legal process. '' She stated " it's not harassing, I've been a debt collector for 16 years. How long have you been a debt collector? '' At that point, I had enough of the harassment and hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I have had a car loan with JPMorgan Chase which I paid in full and you sent me a letter certifying so on XXXX-18. Still the dmv of XXXX XXXX in fl says Chase didn't release the electronic lien and so I can't get my title and sale my car. I have been calling every week for months now and every time I am told by Chase that they released it and every time the dmv says that CHase didn't. I even went to the dmv with the letter but they say they can't do anything until chase release the ELECTRONIC LIEN WITH XXXX  FL!!! 
TEN TIMES i CALLED AND i AM TOLD THE SAME THING AND Chase NEVER DOES ANYTHING. I paid my loan and now Chase doesn't release the lien, you won't catch me doing another car loan or any loan with chase and I will make sure any friend knows how badly you treat your customers!!!! 
Please help me fix this situation. All Chase has to do the dmv says is uncheck a little box and it's done but apparently that's too hard for chase. It's not fair as I paid faithfully without missing one payment for years and now they won't let me have what is rightfully mine and paid for, the title to my car. 
many thanks XXXX

Company response to consumer: Closed with explanation