vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I gained this debt in XX/XX/XXXX, I contacted the XXXX company for the debt 1 year ago to ask if they would settle at that time they said no, 2 weeks ago around XX/XX/XXXX I was contacted again asking if I'd like to settle, I said I'd need to speak to wife get back to me in 2 weeks. 2 weeks was today and I spoke with an individual by name of XXXX ( Not sure of spelling ) telling me If I couldn't take the settlement they'd proceed with further actions and I didn't want that because they'll garnish my wages and seek judgements against me. I told them I was XXXX and on XXXX and was unable to be garnished to which the individual got very nasty and asked if I was gon na be a " REAL MAN and pay my debts '' etc. this went on for sometime he hung up on me, I called back and asked for his supervisor and he told me I must have no life and what kind of man are you, I deceivedh im and told him I had recorded his behavior, to which he said that it's illegal, I quoted arizona state law that states only one party must be aware me, He then said it was fine he had already recorded me. I spoke to his supervisor who informed me that if he had recorded me I would have heard a PROMPT saying I was being recorded, However I heard a recording start sound similar to one on a personal cell phone. When I informed the supervisor that at this point I have reason to believe it was recorded and it was a clear HIPPA and Fair Debt Collection act violation the supervisor said he'd talk to the offender in question and that it doesn't change anything in our situation however.

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 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC.
State: CA

Complaint narrative:
To Whom It May Concern : My complaint is against this mortgage company : MB Financial, mbmortgage.com,  XXXX acct. # XXXX Beginning in 2019 I decided to pay off my mortgage within 5 years. I have a 15 year loan, have paid on it 5 years and I have 10 mores year before I pay it in full. Beginning the month I paid {$2500.00} towards my principal along with my monthly mortgage payment of {$3000.00}. Thus, for the next 5 years I will be paying {$5500.00} each month in order to complete paying off my mortgage in 5 years.

I went to the MB Financial website and made the arrangements described above. 

A problem developed when I looked at my bank records and noticed that MB Financial took out the {$5500.00} from my account and also accepted my Bill Pay check of {$3000.00} that I had been making to them for the previous 5 years. I promptly called their office and explained the situation. They stated that I should have stopped payment on my automatic payment of {$3000.00} as their " system '' could not withdraw just the additional {$2500.00} I had stipulated. I told them I understood their explanation, however I explained to them that I had only authorized them to pull out {$2500.00} from my checking account. Their website did not make clear that they would be taking out the {$2500.00} I authorized plus the normal {$3000.00} mortgage payment. 

So to resolve the issue I asked them to wire back the extra {$3000.00} they had withdraw, without my authorization. They said they could not, but that they would send me a check sometime soon. Today is XX/XX/XXXXand they still have not refunded me the extra payment. My first call to them was on XX/XX/XXXX. I have made 7 calls so far and still do not have the {$3000.00} they pulled out without my consent. Today, I called to speak to the supervisor, XXXX, and I have yet to get a call back from him. 

This " bank '' has pulled out money from my checking account without my approval. In addition, they have not had the decency to refund me the money. I request your assistance in getting they to resolve the issue. 

Thank you for your 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 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank closed my Essential checking account on XX/XX/XXXX with available balance. Upon closure, funds in the amounts of {$370.00} & {$20.00} were never refunded back to me ( funds were refunded to a " closed '' checking account at XXXX. On XX/XX/XXXX, XXXX banking representative confirmed no funds were ever received and the account is still in " closed '' status at XXXX ). 

When inquired about not refunded funds in a local branch ( XXXX XXXX XXXX, XXXX, Ohio ), Personal Banker ( XXXX XXXX. ) advised they are not able to help me in branch and referred to call Fifth Third via phone at XXXX. 

After several phone calls, Customer Service Representatives where not able to assist me and currently, no funds have been refunded. 

Additionally, a promotional bonus of {$250.00} was attached to the Essential Checking. No bonus in any amount was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The responses offered did not fit my situation. The ones I chose were closest to it. 

I recently received my XXXX mortgage interest form from Bank of America. It was not correct. My XX/XX/XXXX mortgage statement stated that I paid {$22000.00} in interest. My XXXX, which was available online on XX/XX/XXXX, stated the amount was {$20000.00}. I called during the 1st half of XXXX and was told by the person that they would send a revised form. As of XX/XX/XXXX I had not received the form so I called again to find out the status. The phone system says a new form was sent XX/XX/XXXX ( it wasn't posted online and I didn't receive a copy in the mail ). When I reached a person ( XXXX employee # XXXX ) she explained that since I have prepaid 4 months of my mortgage, they would only report interest through the scheduled XX/XX/XXXX payment ( which was made in XXXX ). I mentioned that the Table 1 Instructions for IRS publication 936 ( page 10 ) states that " You can deduct all of the interest you paid during the year on mortgages ''. When I asked to speak with someone that could answer why BofA was interpreting mortgage interest this way she would not forward me to anyone else. She said that both the Tax Area and Year End Department were closed for the day ( this  was at XXXX in the XXXX  EST ).

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 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I had a couple of accounts with XXXX XXXX. I entered an arrangement with XXXX XXXX XXXX to consolidate my bills and make one monthly payment. The accounts with XXXX XXXX were included as a part of that consolidation. XXXX has refused to acknowledge my requests to stop calling me at work ( I've told them repeatedly I can not take these types of calls at work ) and continues to call and threaten me at work. Recently, they started also calling my ex-husband about my debt. We've been divorced for over 30 years, so I have no idea how they even got his number. I don't even have his number! On XX/XX/XXXX, I emailed XXXX XXXX and asked them to only contact me through written communications - either email or physical mail. On XX/XX/XXXX, they called me at work and also called my ex husband and left him a message about my debt. Today, XX/XX/XXXX, they left a message on my ex-husband 's phone, which he recorded and sent to me via XXXX messenger. Transcribed, the message reads as follows : " My name is XXXX XXXX and I'm with XXXX XXXX. XXXX, I've been asked to reach out to with with one last attempt to try and resolve this matter that you do have here with our bank. I would really like to have an opportunity to speak with you about the options that you do have, and it would be my pleasure to assist you. I definitely want to stop the escalations that are now coming. But in order for me to assist you, I need you to give me the courtesy of returning my call TODAY. My number is XXXX. My direct extension is XXXX. This matter is time sensitive and it requires an immediate response today. Without your response, the bank is now ready to take necessary steps and resolve the matter legally. And just to be fair, I should also advise you that the call has been documented as my attempt to assist you voluntarily. My number is XXXX. My extension is XXXX. '' This exact same message including the mispronunciation ( axed for asked ) was also left on my work voice mail today while I was in a meeting. My ex also told me via XXXX messenger that he has received repeated phone calls from them and that he blocks all the numbers from which they call. I don't dispute that I owe money to XXXX, but they absolutely have no right to call me at work after I've told them I can't take calls like that at work and they have NO RIGHT to contact a man from whom I've been divorced since XXXX to try to collect this debt, especially when they have also been informed of my arrangements for debt consolidation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019 I applied online for the CitiBusiness Aadvantage Platinum Select Card and was not immediately approved/denied. On XX/XX/2019 I called their decision line XXXX XXXX XXXX and was told my application was pending until I provided additional information to verify my business and my business address. I told the representative that I was just starting my business and I would not have the information they were requesting from me. I told the representative that I was a long time Citi customer and did not understand why I was being asked for additional information especially when no where on the online application I was informed that I would need to provide any other information. I also asked if I could be considered for the consumer version of the Aadvantage Platinum Select card instead without having to run my credit again. The representative advised that was not an option and I would need to apply for that card and my credit would be run again.

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 2019-01-28 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Attached you will find copies of an appeal I sent to chase in regards to charges from XXXX XXXX XXXX. There is a letter attached regarding the issue. It was first handled through the fraud department and they denied it stating it was not fraud. I never received a letter of the denial which I asked for. The fraud department told me it was a dispute issued. I have sense then appealed it through the dispute department stating I never authorized these charges they denied my dispute appeal I have attached a copy of the denial for the dispute charges. I asked chase to provide me with the information they used to deny my appeal from the merchant three reps I spoke with said they dont have anything on file. I told them I should be able to have a copy of whatever it is the merchant sent them to sent my claim. I tried to resolve the issue with chase and they are no help at all everyone transfers me around and I get diffrent information from diffrent workers. I did not purchase anything from XXXX XXXX XXXX  nor did I in anyway authorize anyone to. XXXX saw that it was all fraud when I contacted them. If someone could please tell me what my options are I would appreciate it. I tried to appeal the dispute and they told me the charges were to far back now. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Called XXXX   XX/XX/XXXX my card was closed out and reisssued they sent me dispute paperwork Called chase back several days after got paperwork was transferred to fraud department and a fraud case was opened Spoke with several people fraud department on XX/XX/XXXX I spoke to XXXX and XXXX emailed XXXX emails from XXXX then on another date XXXX left me a voicemail then spoke with XXXX from fraud Dispute department XXXX, XXXX on XX/XX/XXXX XX/XX/XXXX spoke to XXXX transferd to XXXX he told me to give it two days didnt receive anything Called back on XX/XX/XXXX spoke to XXXX   transferd to XXXX in dispute dept transfered to supervisor XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Reference cfpb complaint : XXXX. PayPal did not act in good faith. They are responsible for scam, fraud, unauthorized transactions, gift card, etc. 

In PayPal 's response they admitted that the transactions were unauthorized, they were not responsible for the gift cards and blamed th activity on a third party. 

I initiated the call to PayPal at XXXX to see who was the third party using my account. the rep said they had to update the program on my computer. From there they started depositing large amounts of money in my bank account and instructed me to go purchase XXXX XXXX XXXX and read the numbers back to them at another phone number which was XXXX or XXXX. I fell for that the first time. When I refused to do so again, the supervisor was put on the phone ( mine you this was all from PayPal - not a third party ) an deposited a larger amount of money, then order more gift card through XXXX ( unauthorized ) .At the same time they were trying to withdraw funds from my credit card ( unauthorized ) .After all of that Paypal would sent me an email saying " transaction error '' after they though the accomplished financial gain. Whos to say those were not dummy accounts. Either way PayPal wanted financial gain off of someone else 's loss. PayPal, also never answered my question " who was the third party using my account? '' I made no transactions or sells. Nor do I sell the products they claimed was sold. If they are not responsible for what a third party did, then I should not be responsible either. So why should they want money if they did not do the transaction. 

My computer history says a transactions was done by PayPal, not third party. 

I am not responsible for any negative charges, due to fraud and scam. 

PayPal did illegal transactions - Everything was unauthorized. Scamming employees, workers. 

PayPal did not act in good faith. PayPal scammed, did unauthorized transactions, committed fraud, and is still committing fraud. 

There should be a further investigation and a shutdown. They have no right to withhold, use or have access to other people 's funds without a valid reason. Theft. 

If they would not have ask me to commit a crime, then their contracts are legal. but once they asked me to commit a crime, their contracts became null and void. That is law. 
*note, by asking for me to commit a crime, I can also ask for punitive damages. When they did that, it opened them up to being liable Refer to Complaint : complaint : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have been a Chase bank customer for over 6 years and recently had a few XXXX payments get reversed due to friendly fraud by a person I had a business relationship with. I am an active user of XXXX and have hundreds of transactions but after two of those transactions were disputed they have chosen to freeze my account for an undetermined amount of time. 

The total amount disputed was for around {$300.00} but my account had a balance higher than that. I do not believe its fair for me to have my other funds tied up for a long time for something that was not my fault. In addition, this freeze of my account has caused me to not be able to pay the credit card with Chase. They will not allow me to use the funds in my account in excess of the disputed amount to payoff the credit card. They will also not stop charging interest while my account is frozen. I can not even pay off the credit card because I can not access the online account. When I try to log on it just says my account has been suspended. 

If I had no other resources this would be an extremely inconvenient situation. It makes no sense to deny me access to funds that are entirely unrelated to the account suspension. On top of it, before i realized my account was suspended I deposited {$2000.00} at a branch. They took my money and when I went to go pay my credit card bill they told me the account was frozen and I could not have the money back. 

Please advise on what I should do to regain access to my money. I hope I don't have to pay any penalties on the credit card due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Accounts Receivable Inc.
State: WA

Complaint narrative:
On XX/XX/2018, I am doing a settlement to XXXX XXXX XXXX XXXX XXXX, File No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX using XXXX XXXX XXXX Attorney at Law but they are not a lawyer XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone # XXXX where I paid {$3000.00} from my Debit Card ending XXXX and it shows from my bank account that they received my payments. I called them today that they will be sent a printout receipt from their system. Now, I received another collection letter from another collection company name : Account Receivable XXXX XXXX XXXX XXXX XXXX XXXX,   WA XXXX phone XXXX  claiming a {$5000.00} don't want to deduct my payment {$3000.00}. XXXX XXXX XXXX XXXX XXXX  already removed my derogatory remarks from Credit report such as XXXX, and XXXX XXXX was already deleted XX/XX/2018. They advise me not to send a payment to XXXX XXXX XXXX until they send me to collections and we have to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed Equifax a dispute letter pertaining to incorrect information they were reporting on my credit file. [ copy of said letter is enclosed ] On XX/XX/XXXX, I sent an additional letter pertaining to the same XXXX XXXX  they reported as 120 days late and still active. None of this was accurate. I also requested they send documentation of this erroneous info bearing my signature and any other documentation that would corroborate this falsehood. 
I also pointed out that failure to provide this information within 30 days as required by the Fair Credit Reporting Act would be a violation of Federal Law. After allowing adequate time for their response I sent a follow-up letter on XX/XX/XXXX [ copy enclosed ] On or about the XX/XX/XXXX they sent an email response, although I did not provide one. It has been fruitless to attempt email communication with them as their system denies me access to their response. That is exactly what happened again as always. Hence I telephoned them on Monday the XX/XX/XXXX, the first time their offices would be open since I received their email response that I could not access. 
This was well after the 30 days permitted to respond by Federal Law. In my conversation with their personnel earlier today he lied and denied receiving the XX/XX/XXXX letters. He would only admit to responding to my XX/XX/XXXX follow-up letter. 
I still have not received any of the verification documents required in my XX/XX/XXXX letters. Therefore, I am demanding the deletion of this negative information from my file as required by The Fair Credit Reporting Act. If required I will be happy to supply proof of the certified letters sent via U.S. Mail. 
The other reporting agencies, XXXX  and XXXX, have long deleted this damaging information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: PA

Complaint narrative:
I filed Chapter XXXX in XXXX ; Navient was listed on here and was supposed to stop contacting me while I was in repayment. They kept at me and in XXXX told me I had to consolidate my loans or they would go into default. I didn't know what to do so I did what they said not knowing any different. I found out in XXXX that this was a lie and that because I did the consolidation I was not protected from them any more. 

In XXXX I contacted Navient several times to get income based loan repayments set up. They refused to help me and said that because I had no income so they told me they couldn't set up any plan because I didn't have pay stubs so they put me in forbearance. 

Later that year the welfare office helped me find the paperwork to complete for income based repayments. I completed the paperwork and set it to them. I did not hear back from them for months. Finally I got a letter from them telling my I was missing documentation of insurance and they could not process it. I got the documentation again from the department of welfare and sent it to them. 

I didn't hear back from them and I called many times. Every time I called I was pushed around to other people and hung up on. I had no idea what to do. Then in XXXX I get a letter that the Department of Education has my loan and I am in default. 

For the past 4 years I have been taking care of my XXXX son and working when I can. I have tried numerous times to work out a payment plan that works with my income. Navient has not only lied to me ; they have treated me terribly. The department of education who is the new servicer of my loan could care less. So now they sent me a letter telling me that my loan will be offset by my tax return. 

I wanted an income repayment plan that worked with my low income.I am on welfare due to how little I make. I am doing my best here and I have tried to take care of this. My tax return may not be big but that helps with my sons expenses. 

How can I get this fixed? I am desperate here ; I feel that no one cares and I was pushed into a situation that I had no control over.

Company response to consumer: Closed with explanation