vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
For years I have had multiple companies attempting to collect a debt that I completely dispute from XXXX. XXXX companies, which I think are working together have contacted about suing me for the same debt and one, collection associates has placed a collection on my account. The other, XXXX is trying to sue me and refuses to validate the debt. Neither Collection Associate, XXXX XXXX, WI XXXX, nor XXXX will verify that they are authorized to collect this money from whomever it is owed, Showing the actual debt, payments and interest with a REAL signature not computer generated, I have read people generate signatures do re time debts, and make up payments to re time debts, Where is my signature? Who is the original debtors, and the paperwork saying they are an assignee. Collection Associates never replied, just put a collection on my account, I think to cause me harm, can I sue them? And XXXX NEVER sent paperwork, just called at all hours, and I should " pony up '' because they are connected in wisconsin, they work for the state and city of XXXX as tax collectors, so, and I quote, " who will they take on their merits. I am from illnois, and I am wondering are these two companies working together? Can you investigate a connection? They have been blocked, but continue to call. They need to verify this debt, stop threatening me, and stop ruining my credit out of spite? How can XXXX different companies collect the same debt, sue me, and ruin my credit. 
They have not, and will not- Produce legal information on if they are indeed legally able to collect money. 
Produce my signature Prove that whoever 's debt this was is not being retimed. Collection Associates sent me some paperwork without signatures from XX/XX/2007, so is this even in the SOL? 
Payments, communications, signed agreements that ME. XXXX, signed. Please help me they are trying to ruin me and I think they are working in together, why would one have a XXXX , and coincidentally be from the same place. They are using tactics to call me day and night, they are intimidating me by saying they work with the state and city ill wisconsin where they are from and I am not, I live in illnois and know no one from the state, they will not verify and from what they are telling me they will win. This is unfair, I need the collection taken off and can I sue them for unlawful acts, fraud, intimidation, and even forgery if that is shown by paperwork? 
Thank you, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I had a promotional APR of 0 % for 18 months on my chase credit card. The promotional APR ended on XXXX/XXXX/2017. When the promotion ended, I had a balance of XXXX, so I was charged a daily interest on the XXXX balance. I called chase and asked XXXX ( customer service representative ) how is my interest charge calculate. I was told that the promotion ended on XXXX/XXXX/2017 and from that day on, they take the APR divided it by 365 and apply that percent to my daily balance until I pay off the balance. However, he said I also pay interest on daily purchases. I did the calculation and the system calculated the interest charges correctly but the customer service representative was trying to convince me that If I made a new purchase of {$50.00} on XXXX, I start paying daily interest on the {$50.00} on XXXX XXXX until I payoff the full amount. I was very confused with this because if I make a purchase on XXXX, I have a until my account cycles XXXX and I should not be paying daily interest on the {$50.00}. If I do not pay the {$50.00} before my due date than the daily interest charges can be put on my account for the {$50.00}. 
Foreign transaction fees for airfare purchased on a website. The payment was made to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent UNITED COLLECTION SERVICE INC. certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My wife and I have spent nearly six weeks going back and fourth with Capital One 's Dispute Resolution Department. The company, Capital One claims to protect the consumer who uses their card for purchases. After six weeks of letters and phone calls we now find this is not the case. The company initially credited our card only to later reverse charges and adding interest and fees making our card unusable on a recent trip. 
My wife gave up but I am not willing to. I have called their disputes resolutions department for days leaving messages with no call backs. Finally today I was able to reach a department manager on a different number. Manager XXXX employee ID XXXX said today she had no solutions stating that since we stayed at the condo we are not entitled to a refund. She would not allow me to discuss the issue with her manager XXXX employee ID XXXX. She said nobody in her entire company could help me. 
My wife spent weeks sending Capital One the requested documentation of this roach infested 3rd floor condo we stayed at while visiting my elderly parents. The facility was misrepresented by it 's management company. It was a complete disaster including broken elevator making it impossible for my parents to visit. Why did Capital One waste weeks of our time when they knew all along we stayed there? Instead they asked for paperwork and pictures. We went back and fourth with phone calls, emails, letters, jumping thru hoops and playing their games. 
We stayed at the said property because we paid and had no where else to stay. It was disgusting and unsafe. But we had no where else to go. Our plane tickets were for one week and everything in the area was booked. Management was unable or unwilling to move us to another unit. 
Capital One is lying to consumers by stating card member 's purchases are protected.This is clearly not so! Our card was charged by a fraudulent vendor and Capital One refuses to refund our money. 
I pay interest and fees to use this card and be protected. This is not protection. This is a rip-off!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Experian ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX ; XXXX/XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to t that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on this matter!

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 2017-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
My VISA debit card ( issued by First Citizens Bank ( FCB ) aka First Citizens BankShares , Inc. was used to process XXXX separate fraudulent transactions for a total of {$410.00} on XX/XX/2017. My name is XXXX and my FCB acct is : XXXX. 

FCB ( or their fraud detection agent ) called me early that evening asking if I approved the charges which I emphatically did NOT and in fact requested that they " freeze '' the account. I called First Citizens ' Customer Care early the very next morning and disputed ( all 14 unauthorized charges from the prior day ). The FCB Customer Care Supervisor " XXXX '' said FCB would reverse the charges but for me to check my XX/XX/XXXX statement to confirm ; if not, to call FCB back so they could " manually remove them ''. All XXXX fraudulent charges appeared on my XX/XX/XXXX statement so I called as requested but at that time I was told that in fact I ( not FCB ) would have to follow-up w/ each merchant to dispute the charges. I requested a Form E disputes form for which they had no knowledge so I requested that they open a case w/ their Fraud Dept. I do n't think they did and I received a letter a few weeks later stating simply that there was no bank error thus no charges will be credited. I again called FCB Customer Care to get more detail since my statement did n't even reveal which locations were used to perpetrate the fraud. I still have no more information about this case than appeared on my XX/XX/XXXX bank statement. I also asked them why the EFTA ( Electronic Funds Transfer Act ) did n't apply in this case and none of them had even heard of the law? 

FCB 's position now seems to be that I 'm responsible for all XXXX charges since " some '' were made w/ a Chip-only card ( which I ca n't confirm of course as I do n't have sufficient detail from them regarding the transactions ) and that they were made " in my area ''? 
Obviously, this is unacceptable especially since I specifically requested an ATM-only card when I opened this checking account and I was misinformed by the XXXX branch who said it would not be functional as an ATM card which turned out to be totally false. In fact, I later learned that I would need to open a " Savers '' account to get an ATM-only card. 

This is by far the worst banking experience of my ( XXXX year ) life and I will follow-up w/ the NC AG 's office, then file a small claims action in XXXX County NC if necessary. If all else fails I will do all that I can to ensure that others are aware of this FCB " policy ''!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
When I purchased my condo in XX/XX/2007, Wells Fargo was the preferred lender the builder was using. I have attempted to refinance my loan and I keep getting told that Wells Fargo is unable to refinance my loan because various reasons. For example, XXXX not meeting certain reserves or guidelines, community lost it 's FHA ability. After speaking with other folks in the community who also financed with Wells Fargo, they were being told the same thing. However people are able to sell their property and other owners were able to refinance using other financial institutions. I believe Wells Fargo is being deceptive, discrimination. When I initially applied for the loan I was told take an ARM would be a better option for me because of the lower rate and my plans to sell within 5 years of purchase. When the housing market crashed I attempted to refinance and XXXX became available I was told I was not qualified to utilize the XXXX program. When the required changed for the XXXX ( Value. being under water, LTV ) I still was told I was not eligible

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 2017-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I was charged an additional {$8800.00} of capitalized interest onto the top of my loan. I was encouraged for YEARS to continue to forbear/defer my loan as I was in a severe financial hardship, going through XXXX Bankruptcies, having a sick mother, trying to secure a job, and essentially being kicked out of the home where I was living. Because of this, I reached out to my loan provider who was XXXX at the time. A forbearance and/or loan deferral were my options. After deferring for X amount of time, I would receive emails basically encouraging me to continue to defer my loan. Being young and already in such bad predicaments, I of course deferred. Today, almost 10 years after receiving my initial loan disbursement of {$10000.00} to pay for my schooling at the time, I now owe {$18000.00}. At an 8.5 % interest rate and for someone who barely clears {$XXXX} a month, my payments are so high. But that is not my biggest concern. My biggest concern is that part of my monthly payments are paying over {$8000.00} for a forbearance and a deferral that I was almost encouraged to get. Someone please help me. I feel like I will be upside down and paying for these encouraged deferrals for the rest of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The company XXXX wanted to hire me to purchase products for their XXXX business partners. This company starts by paying off your credit card balance so you can purchase the products for them in the amount of your credit card balance. XXXX does not ask for your credit card number, they give you a bank routing & account number for you to make the payment on line or by phone. The payment processes and shows posted 3 days later. Then you are asked to make the first purchase which are gift cards. After XXXX received the gift cards information I find out the credit card payment of {$5800.00} was reversed and now my balance is double. Chase card stated XXXX was not authorized for them to use the bank account info they gave me for payment. Before I made any purchases I called Chase Card Services on XX/XX/XXXX to verify the posted payment and I asked them if the payment could be reversed. The person I spoke with stated to me the payment could not be reversed after its been posted. I made sure the service rep. I spoke to typed in our conversation on that day & the notes are in the system. If I would have been told that this payment could in fact be reversed I would have never made the gift card purchases. I was given misleading wrong information, I feel Chase Card Services could have helped me avoid this scam / fraud situation. Additionally I was not informed about this large payment reversal. I would think someone should have taken some security in my account for my protection. I 've been a card member since 1999 and Chase decided to close my account because of this situation. I have emails, name & phone number for this XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: MS

Complaint narrative:
Credit Bureau Services was unable to verify an alleged debt so it has been removed from my XXXX credit report. However, Credit Bureau Services has began to report the debt under Other Loans and has reported a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: ERC
State: MN

Complaint narrative:
In XX/XX/XXXX I entered into a contract with XXXX for two years with 12 months of promotional price and 3 months of free prime channels. It was also explained to me that If I would move and not be able to receive their services I could terminate with no fee. This was important information to me due to the fact I was a renter. I also was told at 12 months I could enter into a new promotion. I was also suppose to receive some football package which I never did get. I moved in XX/XX/XXXX and kept the services at the home I was in prior until mid XX/XX/XXXX I believe. At that time I contacted XXXX and explained that I moved to a new place where I was not able to have XXXX. I was told that I could enter into a " hibernate '' which I would pay {$15.00} I believe to keep my account active and they pulled this out of my account without my knowledge using my card that was on file. They stopped pulling it out of my account and that " hibranate '' period ended. I told them again that it was told to me multiple times that I would be able to cancel my service with no fee due to not being able to have their services. It went to collections a year later and I contacted them again and called their corporate office in California. I talked to numerous people non of which I remember names. I thought it was resolved until recently it was at a new collection agency and no on my credit report. I also found that the federal trade commision charged XXXX in XX/XX/XXXX for deceptive advertisement. This situation is very similar to mine. I do n't honestly remember all the specifics because I really thought this was resolved. I can not have XXXX where I live and I was told by XXXX before signing up that If this situation were to happened I would no longer be bound to the contract terms and would be able to cancel with no fees. I expect that they would stand by thier word or I would not have entered into this agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Accelerated Creditors Services, Inc
State: OH

Complaint narrative:
There is an agreement between XXXX XXXX and provider of ambulance service. I double checked with XXXX and was advised that I do not owe any amount above what was agreed upon, therefore was advised not to make any additional payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit and Receivables Services Inc.
State: KY

Complaint narrative:
Hello, This bill was paid in full. I had previously contacted the biller and they confirmed the bill was paid in full but my credit report was never updated. 

Please contact me at XXXXXXXXXXXX with any or all help associated with this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2017 I went to USAA Financial service branch located in XXXX NC to make a deposit into my savings account. I used their owner operated ATM I believe it was # XXXX located outside of the front door depositing a check in the amount of {$10000.00} the ATM allowed the check to go all the way in the slot but did not seem to take hold of it. I was unable to retrieve it as there was not enough available to remove it so I used an envelope I had to push it in a little more, it then grabbed the check and the envelope moments latter spitting the envelope out. No check the transaction was cancelled by the ATM. I immediately contacted USAA finally after speaking to Deposit Executive Resolution Team was told they would put a rush on it and money would be placed in my account on hold. Today no money was in my account. I called today as was told it would take up to 72 business hours to resolve the issue. I told them this is not acceptable this is an ATM at their financial location owned by them a location they are planning to close at the end of the month and while I was sitting there on Sat other clients told me the other ATM were not working. So it seems they have made a conscious decision not to maintain these ATM 's and I am being punished for their poor maintenance and horrible customer service. the case # XXXX. I asked 4 times to have their security people contact me and have not heard from them I was told by XXXX today that they can not make phone calls??? What ever that means. I want them to preserve the video tapes and all the ATM records I also asked for written records of this claim and was refused I find that highly suspect. 
This issue should have been resolved this AM when the branch opened however I have been told they require 72 hours that is their process. More like abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I was never given the option to make payments based on my income. All that they did was offer me a forbearance which caused my interest to keep increasing and I was never told about any other option that I may have qualified for to pay back on my loans.

Company response to consumer: Closed with explanation