vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is an account that my ex-husband racked up. He was supposed to pay this and did n't. Now, my current husband and I are applying for a mortgage. My husband is willing to pay this off but needs to have it removed from the credit report. They said they wo n't do that and that I can request the credit bureau to do that ( false ). 
While on the phone with them, they repeatedly tried to get information out of my husband ( name, address, etc. ). They threatened to keep calling until the debt was paid and the person was very rude. She had a very bad attitude. In my opinion, I should n't be treated like that if I am trying to pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC
State: CT

Complaint narrative:
The loan company, Flagship Credit Acceptance, has been asked in writing more than XXXX, and on the phone more than XXXX to cease from calling me at my place of employment as it is not allowed. 
They continue to ignore this request/demand and have called here again today, giving XXXX of my co-workers a snide attitude. 
I have asked them in writing to stop harassing my friends and family members as well to no avail. After a certain amount of tie goes by, they seem to feel justified to call my work and other contacts. 
This loan is up to date and the payment they are starting to harass me over is only a few days late. 
I have had enough with this company 's bad business practices and judging from other complaints I have read, I am not alone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery constantly calls from different numbers. When I block one of their numbers, they call from another one. I have no debts. I pay off credit cards in 30 days with auto-pay from my bank account. This may be one of those " zombie debts '' that XXXX XXXX was just fined for. I would like Portfolio Recovery to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
i dont know wher these dept are coming from please help me find them out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a Toyota XXXX in 2012, XX/XX/XXXXI made payments every monthe. In about XXXX of 2012 They lost a cashier check for {$600.00}. This check remained missing until just under XXXX dos they cashed the ck. They however have carried me a a late payee ever since that date with an acruing act and a negative credit score. I hired an atty to pursue this to resolution,, but they continued to refute the payment. I have not received a statement from them for over a yer. I have continued to make my payment of $ XXXX each mo and inclose a note reqauesting a statement. I di get a hold of someone before XXXX of last yr and he said he would get back to me immediately. I have heard nothing. My else is ending next month and I acannot obtain credit to obtain another car with this on my record.I have all the receipts and the return receipts for the mail sent to them. They will not even reslpond to my attys calls or mine. ''they do not even answer my calls. I would like to resolve this matter This company has not made any effort to clear this matter up..It is like they are getting even with me more challenging their bookkeeping. 
XXXX XXXX XXXX XXXX, XXXX. My email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Funding has breached the consent order with the CFPB filed on XXXX XXXX, 2015. Midland has violated the order by not providing the required documentation from the CFPB, as the affidavit of sale from the original creditor does not mention, directly or indirectly, any account sold. It specifically does not mention the account that I am being sued upon. As stated in the consent order, section XXXX, Encore, or its subsidiaries ( including Midland ) are permanently restrained and prohibited from initiating a legal collection lawsuit unless it is in possession of a certified bill of sale evidencing the transfer of ownership and, " EACH OF THE DOCUMENTS EVIDENCING THE TRANSFER OF OWNERSHIP OF THE DEBT MUST INCLUDE A SPECIFIC REFERENCE TO THE PARTICULAR DEBT BEING COLLECTED UPON '' ( CFPB consent order sec. XXXX ) The documentation they have provided does not reference the alleged account and the date on the bill of sale and the date that Midland states that they took ownership does not match. I have stated that this account is not mine, I have never heard of Midland Funding until I was served with the legal complaint. Midland can not provide not one signature on a purchase, application, or certified mail, they can not provide me with the credit card terms from the alleged original creditor. They can not produce one single time and date that they have ever spoken to me on the phone. I do n't even have a clue as to what their end game is. I have no money, I do not own any assets, I have XXXX kids, and my bills are more than my salary. Yet they are perfectly willing to ruin my life over a bill that they have n't proven is mine, or that they own. All over {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
Issue : Breach of Written Settlement Agreement1st Investors Servicing Corp is not reporting my credit line correctly with XXXX. They corrected my credit line with XXXX and XXXX and both now show positive. However, XXXX is showing 1st Investors loan as a negative mark and the mobile app shows it was charge off. Please correct my credit line with XXXX per our written agreement from 2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I use American Express Bluebird for my direct deposit for payroll. I have been a victim of fraud on my Bluebird card in the past. The result was waiting 45 days to get a credit. I was evicted with my children because I could not pay rent and the fees added up to more than I could pay. I told Amex that there were never to be internet charges again. Yet, today, XXXX XXXX, 2015, my card incurred internet charges of $ XXXX XXXX , {$250.00} XXXX XXXX and {$5.00} XXXX academy. I did not make these charges or authorize anyone to make these charges. 

Now, once again, Amex says that I have to wait 45 days for a refund. I will be homeless once again. I ca n't pay my rent. I have half and the landlord wo n't take half. My children and I will be homeless again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have submitted XXXX complaints : XXXX and XXXX. 
XXXX and XXXX have now given Transworld Systems Inc. account to placein collection. STOP. I paid XXXX over {$36000.00} on my student loan. 
Original loan amount {$45000.00}. XXXX defaulted the entire loan at {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I was denied the Extended Payment option benefit on my Platinum American Express Card. See page XXXX of the PDF where the option to pay over time is listed and pages XXXX-XXXX where the benefit is described. There is no mention of only select accounts are eligible and this feature is a factor in my decision to keep this product. This appears to be a misrepresentation of implied benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
calling my phone number about a debt made by the previous owner of the phone number. not my debt. collection agency calling my phone because their records are wrong but they purchased the fraudulent info connected with my phone number from somewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied and received an AMEX with a bonus of XXXX bonus points after {$3000.00} spend was met. My spend was met on XXXX XXXX, 2016, and my points posted on XXXX XXXX, 2016. I have tried and called several times to get my points transferred to my airline of choice. I was told that the points would be credited XXXX8 weeks after the spend was met. My points have credited. I ca n't spend my points. I was told it would be XXXX8 weeks. It has been over 8 weeks since my spend was me. I have been told by over XXXX people at AMeX that my dates for available points were, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attempted to get my points transferred to no avail. However, I AM able to use them as credit on my statement. As seen in the attachment where they credited them back for me. My points should be available for use now. As of today XXXX/XXXX/16, I again spoke with someone else who has informed me that every time I attempt to transfer my points, it pushes me further down the line for my points to be available. Really? What kind of reward is this. I paid {$450.00} membership for a rewards card that I ca n't get my rewards on. Also today, the conversation I had with the representative from AMEX informed me it 's XXXX8 weeks from the time my {$3000.00} spend is paid off. REALLY?? that was no where in my membership agreement. I know my balance was paid, but that does n't have any bearing on when my points should be able to be transferred. Stories are being made up on a daily basis. The attachment shows charges added through XXXX XXXX went way over the {$3000.00} spend ( not including the {$450.00} membership fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX is billing me for service at a home that never had XXXX service in it 's history. When calling XXXX XXXX, they do not know what I 'm talking about as they have no information for service at this address, yet they have notified the credit bureaus as an unpaid debt. 

Bottom Line - XXXX can bill every address in country and make everyone pay {$200.00} just to get it removed from their credit reports and they make the dispute process extremely difficult

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I attended a for-profit institute in XXXX XXXX, MI owned by XXXX Colleges. The XXXX closed them down and stated that what they did was against the law and they forgave our federal loans and we were told that the private loans that originated from XXXX, owned by XXXX Colleges and now UASXXXX, should clear those loans. I have stopped payments due to what the federal government has stated. They now call me and my mother everyday saying that we need to pay even though I talked to them and told them what the XXXX had said.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has sent numerous advertisements " Enjoy up to {$500.00} on us '' with details about opening both a savings and a checking account to earn the {$500.00} with minimum balances and length of time the money must stay in the account. When I tried to apply for both these accounts at XXXX Chase Bank branches in XXXX XXXX, I was refused because the staff person said that I had used their incentives before and they would n't accept me as a customer. I did n't see any wording to that effect in the advertisement I have. Is Chase Bank allowed to deny such a transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX I paid off a Chase Visa balance in full and closed the account. I told the rep to make sure the balance was paid in full and I was assured there would be no revolving interest charges. On XXXX XXXX I received another statement with another balance. I think Chase Visa needs to train their people better and/or be a little more honest. The representative seemed more interested in keeping me as a customer and offered to lower the interest rate on the card. I insisted they close the account completely but still was pushed by the representative not to cancel my account. I had to be persistant against the preditory representative at Chase Visa.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I applied for an Amazon credit card about 5 months ago and Chase approved that XXXX, but denied my application for a Chase Slate credit card saying I applied for too many credit cards within the last 24 months. So I tried to get a Slate card within this new year of 2016 and the denied me again and now my credit score will have a big ding on it and I have good credit. ( or did ). I would think this new year would be not involved in the past 24 months and I feel it is very unfair for Chase to include my new application in it! Does the fact you have good credit not mean anything to Chase Bank!!?? As long as your credit is good and you have been paying ALL your bills on time, it should n't matter how many cards you apply for. NOW my credit score will go down for NOTHING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
We purchased a new home in XXXX XXXX. At closing {$3600.00} was put into the escrow account of the mortgage and our monthly payments would be {$2100.00}. In XXXX XXXX we received a letter from the XXXX showing a XXXX proposed tax assessment of {$3200.00}. In XXXX XXXX we received an escrow refund check for {$3100.00} based on their annual escrow account analysis. In XXXX XXXX we received another escrow refund check for {$780.00} and letter stating that this was due to new information they had received from XXXX XXXX and that our new monthly payments would now be {$1900.00}. Then in XXXX XXXX the mortgage company paid XXXX XXXX tax bill in the amount of {$3200.00} ( the same amount shown in the letter we received in XXXX ) leaving our escrow account with a $ XXXX balance. Then XXXX XXXX, XXXX the mortgage company sends a letter stating that there is a shortage of {$2800.00} in our escrow account and that this is a projected amount and it XXXX increase next year. They gave us the option to pay the shortage amount now or to wait until XXXX XXXX to see what our new monthly payment will be after their annual escrow analysis. Unless we pay the escrow shortage our monthly payment will go back up $ XXXX {$300.00} in a few months. The escrow refund checks have been used to pay off debts and are no longer available. Also since our mortgage payment was lowered we took on some new bills for services we could not afford previously. These services are under multi year contracts ( example : XXXX internet XXXX ) and can not be easily cancelled. 
When speaking to the mortgage company about this, they stated that when they got the updated XXXX tax information in XXXX they did not trust or believe that it was correct, yet they went along with it anyways and lowered our payments and drained our escrow account to refund us. I do n't understand why they would n't follow up with XXXX XXXX if they did n't trust the information they got and how could they not get the same information I received at the beginning of the year. 
I feel this is very unfair since there was obviously a mistake made by others and we will be the ones that end up paying for it.

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 monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE FINANCE HAVE CHARGED ME XXXX FOR MY PROPERTY TAXES FOR YEAR XX/XX/XXXX/XX/XX/XXXX AND THEY OPENED AN ESCROW ACCOUNT AND NOW I`M STILL PAYING FOR SOME TAXES I ALREADY PAID THEM ON MY OWN AND I HAVE PROOF OF PAYMENTS, I CALLED THEM MANY, MANY TIMES BUT THEY DID NOT ASSIST ME WITH MY INQUIRES.

Company response to consumer: Closed
Consumer complaint received 2016-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: TN

Complaint narrative:
My doctor signed a form classifying me XXXX incapable of working around XX/XX/XXXX, this is why my job the Veterans Medical Center ( VA ) where I worked retired me and pays me annuity for XXXX incapable of working. Then the same XXXX form was given to the Social Security Administration and social security pays me for being XXXX. I mailed these forms to Department of education and they still took money out of my check 10 years ago. Department of education ask for another form from my doctor and I had my doctor sign the form stating I am permanently XXXX incapable of working and mailed it to them again. I have had XXXX different doctors sign forms for XXXX and I have mailed them in and the department of education still takes money out my check. I am trying to upload you papers. I mailed NELNET hardship forms also and I have emailed NELNET forms signed by my doctor permanently disable as recently signed XX/XX/XXXX. Yet they still take money out of my check. I want all my money back from the last 10 years, I have records of all of it. I mailed the Department of education and NELNET numerous signed doctors forms stating I XXXX, Social Security Administration pays me because I gave them a doctors form stating I am XXXX and the VA pays me a XXXX annuity ( my own job ) and they still take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I currently have a little lone w/Wilshire Consumer Credit for the amount of {$6900.00} on a XXXX Kia Sportage. I fell behind on two payments and on Tuesday, XX/XX/XXXX my car was repossessed. On Wednesday, XX/XX/XXXX at XXXX, I made a payment via XXXX in the amount of {$1400.00}. Upon making the transaction. I called Wilshire to advised them of the payment and gave them reference number. They confirmed receipt of the payment. I was advised that the release of the account/car can take between 24-48hrs. I have been calling them almost every 3hrs/day to inquire status of the release. They keep telling me it 's till pending. As of this morning at XXXX the release is still pending. It 's now been longer than the 48hrs. They keep telling to call back. I left a VM message for a " supervisor '' and no one has returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I received a marketing letter from Sunset Finance about a loan offer in the mail. I needed money quick for immediate living expenses and decided to contact Sunset. Big mistake, these guys are loan sharks. I did not realize the interest rate was 87 %, what a rip off and a way to take advantage of someone who fell on hard times. Now they are calling my friends, family an colleagues 2-3 times daily, leaving voicemails and triple-dialing my work phone. I sent a cease and desist letter and still getting calls disrupting me at work. These collection practices are unethical and unnecessary. I let them know I was in a car accident but does not seem to matter.

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