vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
I recently on XX/XX/XXXX noticed a collection ton was added to my credit report for XXXX. 
By a contract callers inc. 
Looks like they bought an old unverified debt that was deleted from my report 2 years ago and now they re aged it to look like it was recent on my report it says XX/XX/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 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
On Thursday XX/XX/XXXX I was approved for an {$800.00} loan from cashnet USA. It was due to be deposited XX/XX/XXXX. It is now XX/XX/XXXX and I have not recieved any of the money that I was approved for. I contacted my bank and they show nothing pending on their end. I contacted the company. They say they show it was sent for deposit into my account. I told them it was not recieved and I would like to cancel the entire transaction. They are currently showing that I owe them money. However, I have not recieved anything from the company. My customer ID with cashnet is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from Discover financial service. On XX/XX/2017 I discover the fraudulent account and contact Discover with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX   woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the XXXX part but good at writing or reading. Soon I discovered what happens, contact Discover financial services for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from Discover, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a XXXX XXXX making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.Discover have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MAJR Financial Corp
State: MO

Complaint narrative:
My husband and I went to apply for a mortgage. Several ( 11 so far ) 150+ day lates showed on our reports for Majr Financial after the account was satisfied and closed. I contacted Majr Financial. They told me they weren't sure why the mortgage company was claiming this showed on the reports and confirmed that the account had been closed and paid in XXXX of 2018 and should be reported as such. They sent me a letter stating that the account was satisfied with the date. ( I will attach said letter ). This is all they did. As the false reporting is affecting our mortgage process, we need the incorrect late payments removed and our scores corrected ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: VA

Complaint narrative:
We leased a car in which US Bank is the lease holder on XX/XX/16. For the last two and a half years we have been trying to get a resolve to the fact that we are being charged for a personal property tax for a county we don't live in. We are being billed for two personal property taxes. We live in the County of XXXX not the City of XXXXXXXX. We have brought it to there attention and they said they have submitted 12+ claims to have it adjusted and they show we do not reside in that county. Each time we call they say it is documented and shows their error. The City of XXXX has no record of us living there or billing US Bank either. Each month when the lease bill comes it is not resolved. We have spent countless hours on the phone with them with promises of phone calls back and it being resolved to nothing. The lease is up in a few months and the car is being returned. We are not responsible for their mistake on their end and want this resolved.

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 2019-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitted a payment to Chase Bank of {$1100.00}. The payment covered the past due amounts from my XXXX and XXXX loan payments, as well as additional feea which I had accrued. I noticed on XX/XX/XXXX that the transaction had not been posted on to my auto loan account, even though Chase Bank had listed the payment as complete online. I sent my first inquiry about the payment on XX/XX/XXXX and my second inquiry on XX/XX/XXXX asking Chase Bank to post the transaction to my account. I received a generic response on XX/XX/XXXX, but the XX/XX/XXXX response confirmed in writing that my payment was received by Chase Bank. Customer service then sent my inquiry to the Auto Finance department who sent me a generic response. I had scheduled a payment of {$500.00} to pay off the remainder of My past due amount on XX/XX/XXXX. My car was repossessed on XX/XX/XXXX. When I called regarding the repossession, I was informed that I had not submitted a payment since XXXX, which was not true. I called again on XX/XX/XXXX when the XX/XX/XXXX payment was pulled from my account to receive the fax number that I could send my proof of the payments. I faxed that documented proof to Chase on XX/XX/XXXX, asking them to call me to confirm receipt of the fax. I included in the fax the written confirmation that Chase Bank sent me on XX/XX/XXXX that the first payment had been completed. I called on XX/XX/XXXX to confirm that the fax had been recieved and they informed me that the research department had started looking into the past transactions. When I asked what the process was going forward Chase then had me open a dispute into my repossession. On XX/XX/XXXX, Chase Bank refunded my payment of {$1100.00} thirty days after I submitted it. I called the collections department and was told that an account supervisor would call me since it was an open dispute. I have yet to receive that phone call. I also opened another inquiry into this issue to Chase Bank, who referred my case to a Senior Service Specialist on XX/XX/XXXX and said they would be in contact within 72 hours. I responded to that inquiry on XX/XX/XXXX asking for someone to contact me and I received a response that they would be in contact within 72 hours. The deadline of my repossession was XX/XX/XXXX and I have not received an update on the status of my dispute or if the deadline was extended while they review my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been using Chase Bank 's Bill Pay to pay my XXXX bill since XX/XX/XXXX of 2018. XXXX claims that it has not received my payments since the mentioned date. I contacted Chase by phone and in person several times, but no one is willing to help me. I asked Chase to refund the money to my account so that I could pay XXXX using a different method. Chase said that they can't do that. I went to the bank and showed them correspondence from XXXX stating that they have not received the payments. Chase is still unwilling to pull back the payments and refund it to my amount. No one at chase is willing to take responsibility or help me. I ask that they refund the money since the merchant says they haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I intended to use PayPal to buy 3 concert tickets for {$30.00} each. This is a total of {$90.00}. When I sent the payment to the seller, PayPal sent me a phone text message stating that : [ PayPal ] Transaction of - {$90.00} USD to XXXX XXXX on XX/XX/2019 is marked as suspicious. Reply 1 if authorized or 2 if not authorized. [ Reply Needed ] I replied with 2, to note that the transaction of {$90.00} was not authorized. ( I have the official record of this confirmation ) However, PayPal still removed the money from my bank account and paid it to the thief. The transaction was indeed fraud and the seller who was guiding me make the payment never sent the tickets. I alerted PayPal to the money being taken out of my account. PayPal still took the money out of my bank account. 

My complaint is that PayPal alerted me of the fraud and gave me the option to stop the payment, which I did. However, Payapl did not honor my requedt to halt the payment. I want my money put back into my bank account since the PayPal fraud prevention system did not work. 

In addition, PayPal has no means of emailing or speaking to a person to discuss and resolve this fraud. I have sent numerous emails to PayPal. However I am only getting automated emails that do not address the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My husband and I leased aXXXX XXXX XXXX VIN No. XXXX and regularly paid the monthly lease payments for 36 months. When the lease was about to expire we inquired with te XXXX Honda dealer about our options. Wewanted to understand whether it would be more advantageous to turn in the vehicle and pay the fees associated with the extra mileage/damages to the car or trade the vehicle in for a new car on terms adjusted to account for such extra mileage/damages. Ms. XXXX XXXX ( buying advisor at the Honda   dealer in XXXX ) wrote to us on XX/XX/XXXX stating Iwill be honest with you XXXX, I can't promise you any pricing until you come in and get an appraisal done. They have to see your vehicle because that works into the final numbers. On XX/XX/XXXX, Ms. XXXX wrote that That's fine XXXX, we'll do the appraisal and then get the numbers and you can make your decision. Make sure they ask for me when they come in. As a result, we brought the XXXX XXXX in so that it could be appraised and make an informed decision as to the best course of action. Thereafter, the dealer prepared an offer for a walk away at XXXX down + XXXX per month. On XX/XX/XXXX we wrote to Ms. XXXX with the following counteroffer if you can grant us XXXX miles per year instead of XXXX, we will sign your offer XXXX ( walk away at XXXX down + XXXX ). Please confirm or reject. On XX/XX/XXXX, Ms XXXX answered My Manager agreed to the deal, he needs to know what color you were looking for as we have to get one in for you. Our decision to trade in the leased carwas based on the terms presented to me as a walk away after Honda had the opportunity to appraise the XXXX to find out the cost associated with the extra mileage/damages on the car. The agreement was to trade in and walk away from the old XXXX for a newHonda AND pay a higher amount to cover for the damages associated with extra mileage and wear/tear of the trade in. Absent the walk away option we would have never accepted Hondas offer and would have turned in the vehicle without committing to a new lease at a much higher price for additional 2 years. Any attempt to provide a different interpretation of the facts as detailed above is clearly contradicted by the correspondence exchanged with the Honda dealer and contrary to the most basic common sense. 
Honda is now demanding payment of {$6600.00} in connection with the XXXX XXXX  XXXX recover the damages to the old car even though they agreed to a walk away in exchange for a higher lease payment ( almost {$700.00} per month ) on the new XXXX XXXX XXXX car my husband and I leased after turning in the XXXX car. They are attempting to collect twice for the same item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: MD

Complaint narrative:
They have not removed unverified derogatory items from my report. They have violated Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

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 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
After receiving notice that my complaint about the amount of money due was substantiated I received a report of my mortgage and had more questions regarding the report. I emailed 2 separate departments at the mortgage company and got 2 different letters stating they were looking into this but have been waiting over 5 months. In the mean time I was not allowed to make payment on my loan because of the elapsed time on their correcting my account and notifying me of the change. They received an overpayment from me which they have sitting in escrow and they have given no credit to an entire payment which had been made on my behalf by a local charity. 
As of right now they are stating that I am 7 months behind and I also have questions about my report which still go unanswered. 
Did they ever apply my bankruptcy to my account? Why do I have so much " Unapplied '' funds, why have there continued to be legal fees added to m y account even during times of payment on the loan, and others? 
I feel they are currently dragging their feet and creating even more undue debt on my home. My credit is ruined because this institution as well as XXXX XXXX XXXX failed to report the payments I DID make so that I could refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo had a credit card offer in XXXX with 3 % balance transfer fees with 0 interest. I emailed, then called to ask if they could match my XXXX limit of {$20000.00}. I told them I was only interested in an account if I got the same credit limit so I could make a substancial balance transfer. They told me on the phone I had to complete their application and they would answer me by mail. A week later they send me a card with a {$2500.00} limit. I called that day and told them I did not open the account, I only made an inquirey. I cut up the card and told them to void the account. They not only kept the account open but made a payment to my XXXX account without my permission and are billing me with fees. I've called, I've written to them. The bills keep coming and now this bogus account is on my credit report as late. In 19 years of credit history I have NEVER been late on a payment. Wells Fargo continues to open fraudulent accounts. Pease 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 2019-04-02 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:
On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from XXXX XXXX XXXX. On XX/XX/2017 I discover the fraudulent account and contact XXXX with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX  woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the deaf part but good at writing or reading. Soon I discovered what happens, contact XXXX XXXX XXXX for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from XXXX, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a bus assistant making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.XXXX have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Innovis
State: MA

Complaint narrative:
On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from XXXX financial service. On XX/XX/2017 I discover the fraudulent account and contact XXXX with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX  woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the deaf part but good at writing or reading. Soon I discovered what happens, contact XXXX XXXX XXXX for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from XXXX, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a bus assistant making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.XXXX have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NY

Complaint narrative:
I wasn't sure how to classify this. InXX/XX/XXXXI filed a complaint against NACA here w the CFPB about a problem I was experiencing with their counselors at the local office. When I initially filed the complaint, I explicitly asked for the NACA office to truncate my information so that those involved in the incident did not have access to my personal information. The DM never responded as to how he was going to secure my personal information. 

Recently, I was NACA qualified and sent back to the local office in XXXX. I am now finding out that in XXXX of XXXX, someone at NACA pulled my credit report without my authorization and they're telling me I can't purchase a home without paying for the credit report. I did not authorize NACA to pull my credit in XXXX of XXXX. I was actually in the process of getting a new remote XXXX from XXXX to XXXX so I was not even an active participant of NACA in XXXX of XXXX. Someone at NACA pulled my credit report without my authorization and this leads me to believe someone there is trying to steal my identity as there was no other reason for them to pull my credit. This violates the FCRA as I did NOT authorize my credit to be pulled. I want to know why my information was not secured when I spoke with management about the issues I had and advised them my information needed to be secured at the XXXX office.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
This complaint is against RECEIVABLES PERFORMANCE and XXXX. I keep getting collections notices for a name other then mine. The last name in question is spelled with a XXXX instead of a XXXX ; saying I owe XXXX {$420.00}. I have never had XXXX service and have been an XXXX XXXX XXXX customer for 20-Years. I have called XXXX several times and the Collections company ... with NO HELP. I have tried several times to remove this from my file and it was removed once and keeps coming back.

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