vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was late in paying a statement balance. The next day I paid the full " statement balance '' not the current balance. I was charged a fee and interest ... .no problem. the next billing cycle I was charged interest again even though that statement balance was paid on time. When I called Chase XXXX. I was told by XXXX different employees that this was the correct fee but they would try and waive it. I finally spoke to the super. and they admitted it was a mistake and they removed the fee. she said the " interest was not suppressed even though I had paid the full statement balance. I suspect the computer algorithm is erroneously charging many other Chase customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I signed up on Chase 's website to be enrolled in automatic monthly paymentson my Chase credit card. I thought that I signed up to pay the monthlystatement balance by selecting " minimum balance '' for my automatic paymentoption, however a few days after the automatic payment ( due date for thecredit card monthly payment ) I found out that only {$25.00} was paid to my creditcard balance and I was charged interest for the days that had passed since thedue date. I called Chase immediately to rectify the situation and spoke to XXXXdifferent staff members who informed me that due to the rules I would have toowe the interest for the time that passed due to the {$25.00} minimum payment. Ifeel that Chase purposely had misleading and confusing wording on " minimumbalance '' for the automatic bill payment so that customers would make thiskind of mistake and they could collect the interest. I have almost always paidmy statement balance in full by the deadline and have an excellent credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This credit card HSBC BANK NEVADAWith the original account # XXXX in the amount of or close to {$15000.00} has more than exceeded the statue of limitations being that their has been no correspondences, payments and or dialogue in more than ( 6 ) years. I would like the credit agencies below to contact XXXX Credit Burea and or other credit agencies to remove this negative mark from my credit report and or issue out a letter to me on my behalf that THE EXPIRATION OF THE CALIFORNIA STATUE OF LIMITATIONS BECAUSE OF MORE THAN ( 6 ) YEARS, LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES. 

THE CURRENT COLLECTION AGENCY PERTAINING TO THIS HSBC BANK NEVADA CREDIT CARD ACCOUNT # XXXX IN THE AMOUNT OR CLOSE TO $ XXXX XXXX ( their account # XXXXAddress : XXXX XXXX XXXX , XXXX XXXX XXXX. XXXX XXXX, Ca. XXXXPhone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
Receivable Performance Management company continues to call my home, cell phone, and now my place of business from several different numbers. When I answer the phone, I get no response. Finally when someone does respond, they wo n't tell me why they are calling me. They continue to call several times a day harassing me and not telling me the reason for the call. They ask me to confirm my name and address. After I have done so, they still wo n't tell me why they are calling. This has been going on too long and each time I block their number, they call from another number. They have called from XXXX, XXXX, and XXXX. I have asked that they stop calling me and they continue to contact me. The address and main number for this company is as following : Receivables Performance ManagementXXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please see attached documentation. It explains I quick deeded the property in 2010 and have no further obligation financially to this however Chase continues to report it to all three credit bureaus and there are lates associated with the property that are very detrimental to my credit and it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
I have received numerous calls from the agency for a person I do not know. On XXXX/XXXX/2016, I received a call asking for an XXXX, i informed the rep she had the wrong number, and i was advised she would remove my number. Again on XXXX/XXXX/2016, I received another call asking for the same person, again told them to stop calling me. They were also using an auto dialer to call my cell phone, which i told them they did not have permission to do, and again to stop calling my number. Then on XX/XX/XXXX, i have received two calls. Once at XXXX, and again at XXXX. Again they are using an auto dialer to call my cell phone, after being told not to, and i again have asked them to stop. When calling to ask them for their address so i can mail them a cease and desist letter, the first rep refused to give me to me, transferred me to a supervisor, which i had to wait 5 mins to talk to.

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 2016-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TN

Complaint narrative:
This is an account show closed on my credit reported with a balance I do n't have any idea where the balance come from and now I received calls from collection agency asking me to paid this debt. I do know this company and either the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
Yesterday I visited XXXX to view a statement for my loans and make a payment. While on the site I learned that my loan had been sent to a collection agency for payment. Today, I attempted to contact this agency at XXXX but placed on hold and offered the opportunity to receive a call back. At XXXX, I received a call back from an employee by the name of XXXX . I gave him my name and explained my situation. He mentioned that it was no longer in his system and unfortunately sent to collections. He offered to provide me with the company 's name and number. I informed him that I wanted to speak with another customer service rep ( likely his manager/supervisor ) who could explain to me why my loan was sent to collections without any previous notice or communication. He was persistent in mentioning that " Unfortunately it is out of my hands ... I can provide you the credit agency 's phone number ''. I went through several minutes of asking to speak with someone else, asking for clarity, asking who he reports to, and severe frustration while only receiving the same response. We reached a point where he mentioned he would only offer the number one final time before disconnecting. I actually chose to disconnect from him. I attempted to call the number back 2 additional times at which point he answered again. I asked him again if he was joking and if there was anyone else working to which he replied no given the hours of the day. 

I am intensely frustrated with my loan being sent without notification or additional communication. I am frustrated by a customer service rep who would not provide any additional point person I could ask for clarity on. I am extremely dissatisfied with the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending
State: CA

Complaint narrative:
I was inquiring for educational purposes at XXXX XXXX in XXXX California. I was enrolled and attended the XXXX program there. I was unable to cover tuition, and took out a student loan which did not cover my full tuition. XXXX, gave me XXXX only other option, to take out a Personal Loan with Genesis Lending. I paid on it for quite some time and stopped recently because I did not finish the program and my husband XXXX. since then my payment has XXXX and my credit is ruined! While I was attending school I wa threatened repeatedly that I would be dropped or removed from school if attendance was not met or payments not made and that I would STILL be responsible for the debt. It was the worst decision I ever made!! attending that college, for a trade that pays NOTHING!! I have since been promoted in the XXXX and am an XXXX at a very successful XXXX.

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 2016-09-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA advertised to me, a veteran of the XXXX XXXX that a pre-paid card would turn into a regular credit card after one year of giving them {$1000.00} and letting them hold it without interest and {$240.00} in fees. 

It did not turn into a regular card even though credit was fixed and they decided to change the agreement. I 'm growing weary of this bank which has been so predatory of military veterans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
Was involved in a Motor vehicle accident XXXX/XXXX/2016 filed claim with USAA. Claim was paid for accident the money was deposited into our USAA checking account, However I was notifed that we was involved in a bank fraud and our account was frozen. due to the investigation. After the determination was made the bank ruled as a scam. After we informed them that our bank card and account info was released and was unknown to us. The claims department refused to re issue the amount of money to fix the damage, and is also refusing to provide ANY documentation to us so we are able to seek further help to pay for the vehicle. USAA took over XXXX from our account which was our paycheck and claim to fix the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Brelvis Consulting, LLC
State: KY

Complaint narrative:
I was contacted by The Student Loan Help Center in XXXX 2016 advising me that that could help lower my monthly student loan payment from {$220.00} to {$54.00} monthly. I was told that there would be a fee of {$590.00} which I could pay in installments over a three month period. Which was {$190.00} for XXXX, XXXX and XXXX. When I receive notice from XXXX Student Loan payment repayment in XXXX that a loan repayment where {$350.00} When I contacted TSLHC advising them that my payments were not {$54.00} but {$350.00}. They advised that they had forward my work to XXXX there was nothing they could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off an old Credit Card Debt and was told it would be taken off my credit and not listed as settled. It is now listed on my credit as : Charged off as bad debtDispute resolved ; reported by grantor This is damaging my credit and would like it to be resolved and taken off since I paid the full asking amount that they where asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX i applied for a capitol one credit card and was approved with a XXXX limit. i recieved and attempted to activate the card by phone was told there was fraudulent activity and i needed to apply for a new acct. I did and was approved at a much lower threshold of XXXX, which means my credit was affected. again i recieve the card attempt to activate it and was told there was fraud on the acct and it was cancelled, I ask what fraud? they cant tell me but advise me to go to a local branch In XXXX XXXX XXXX and XXXX XXXX. I went XXXX and met a gentleman by the name of XXXX XXXX ID # XXXX who copied my IDs and called the fraud dept and faxed them my ID copies to XXXX, a XXXX on the phone by the name of XXXX ID # XXXX advised after 2 hours on the phone there was nothing they could do and advised me to reapply a 3rd time for the same card, We both were agast and I asked why if I was fraudulent why would they want me to apply for a credit card again, her reply was that i was listed as deceased even though i was at the bank with ID and was verifiable .... I left there and contacted XXXX and they called capitalonebank Fraud dept while i was on the phone with them and they verified and corrected this person on the phone several times and stated that there info was incorrect and that i had long since established I was not decedent and that the SS XXXX would contact the bank and notify them of my death, which they had not. again no answer but to reappy ... fastforward to today XXXX/XXXX/XXXX i call the fraud dept to get a disposition and after speaking to the XXXX person who claimed to be managers they advised me that nothing else cpould be done. Yet they accts and inquirires all reflect on my credit report and i still have no answer can you please forward an in quiry thank you XXXX XXXX XXXXXXXXXXXX, cell phone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ACCT # XXXX On XXXX XXXX, XXXX I contacted Capital One recovery department to check the status of an account I was disputing. Upon speaking to the several agents, I was transferred to a manager named XXXX/employee id # XXXX sometime between XXXX - XXXX EST. From there I requested that the manager provide me with the date the credit card was opened but I denied. I then ask the manager if he could provide me the address the account opened with but was denied. After several attempts over the line I was recording the manager stated that the card ending in XXXX was opened using my current address XXXX XXXX XXXX XXXX Fl, XXXX. Pursuant to the Fair Consumer Reporting Act ( FCRA ) sec. 623 ( a ) ( 8 ) - " Ability of consumer to dispute information directly with the furnisher i.e. ; " Capital One ''. At this time, I am requesting that a thorough investigation be made pursuant to the above mentioned FCRA rather then just a validation from your company without any real proven documents supporting this aforesaid validation. I am unaware of any business relationship or debt with your company, therefore I do dispute it. 

Your company is claiming a credit card had been opened in my name, I'am kindly requesting that you please produce the following documents to back up your " verification '' to the credit bureaus : 1 ) A copy of the signed application where I authorized the account under the address XXXX XXXX XXXX XXXX FL , XXXX that the manager said it was opened under. 
2 ) Copies of the authorized charges 3 ) Copies of any authorized terms of the agreement 4 ) Proof you have that the terms of agreement were in deed violated that has resulted in the reported negative alleged trade line. 
If unable to provide clear and all documentation of the above mentioned, I will then kindly ask in the removal of this account within your office and in the immediate removal within all XXXX of the credit bureaus. XX/XX/XXXX I did notice this account in i did file a affidavit with the police department but I did not further pursue it because my credit report was n't important to me at the time. 

I thank-you in advance for given this your upmost attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XXXX/XXXX/2015 Capital One Auto Finance made an inquiry of my credit file with XXXX without my concent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Jim Bottin Enterprises, Inc
State: AR

Complaint narrative:
I have been receiving calls and also a letter from Sea 's and Associates. I have never stepped foot in a XXXX fitness location anywhere. XXXX fitness advertisements states {$10.00} per month no contract. They had a XXXX cent promotion going and I decided to sign-up, a personal trainer contacted me via text message and schedule did not fit my schedule so I declined. I used a pre-paid card luckily because I never even went to the gym. However, I really need the phone calls to stop about the $ 90+ that I do not owe!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A rail company in XXXX double charged me for train tickets. I disputed the charge and called Capital One then sent them a letter with supporting documentation. They refused to credit my account and told me to take it up with the rail company in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: LEXISNEXIS
State: FL

Complaint narrative:
A subject selection for my issue is not available so I improvised ... 

My homeowners insurance company notified me that my renewal " premium has been adversely affected by information received from LexisNexis ''. The impact is {$68.00}. 
I obtained a copy of the credit report. 

The report reflects that I have XXXX accounts with high credit over {$530000.00}. What they are doing is adding up every single account I have opened in my entire credit history, which they have since XXXX. The reality is that I replaced XXXX cars every 3 years. Report includes all my car loans starting in XXXX. What is the relevance of a car loan I took 23 years ago? How absurd is this? Even though I 've never had a late payment, the length of my history works against me. The report does not distinguish between " concurrently open '', " historically '' and " currently open ''. It is adding together without any distinction among mortgage, car loans and credit cards. 

The report is supposed to provide a fair representation of my insurance risk, yet the ways LexisNexis is going about it is discriminatory against those with lengthy history. And those with lengthy history are by definition older and deserve the protection of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
Vehicle was totaled in an accident on XXXX XXXX and CNAC has been calling since anywhere from XXXX-XXXX times a day. Today we 've had XXXX calls wanting the remaining balance of loan after they received the insurance check. They are even trying to get us to buy another vehicle through XXXX Byrider to cover remaining balance plus the new vehicle price which there is definitely no way we can afford that with monthly income from social security XXXX. They are now threatening to take us to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation