vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This company in which I hold no contract with nor have received services from reported ( 3 ) different collection accounts against my Social Security Number in the amount of {$510.00}, {$710.00} and {$570.00} with XXXX, XXXX & XXXX   credit reporting agencies. I requested verification and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX card shows minimum payment due payment of $ XXXX monthly paid. The card total balance due is automatically paid off every month. Averaging {$1200.00} per month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Institution : Chase Payment Type : XXXX by XXXX Date of Transaction : XX/XX/2018 Amount : {$2000.00} My Chase account was compromised and an unauthorized amount of of {$2000.00} was sent via Chase XXXX by XXXX. I received a letter of my claims denial and in the letter it states I may call the customer claims department to request copies of the research documents. I called to request copies of the research documents and they advised me they were unable to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: MI

Complaint narrative:
This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$520.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verificaiton and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Company XXXX XXXX XXXX Claims to own my mortgage and falsely has been collecting payments from me for many years. Only recently with a Foresic Loan Audit, I Found Out My Loan has been Paid Off Many Years Ago. 
Nationstar is now Currently Filled to Forclosure on my Home which is Imiminent / Urgent, Which is Paid Off. They Do Not Posses a NOTE or Deed Of Trust. They are Committing Fraud on the Court, As well as Already Filled a Fraudulent Judgement Against Me and Scheduled a Sheriffs Sale Illegally Due To Fraud On the Court. This is an Urgent/ Immiment Matter. Please Assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As of XXXXXXXX XXXX on XX/XX/18, my checking account was negative {$78.00} due to three pending transactions. A cash deposit of {$80.00} was made before XXXX XXXX   to bring the account positive {$1.00}. At XXXXXXXX XXXX, the account was showing - {$140.00} because of a {$150.00} XXXX transaction that was pending. 

In every conversation had with previous representatives, the cut off time for deposits ( cash or otherwise ) was always stated as XXXX XXXX. When the {$150.00} XXXX transaction hit the account, a second deposit was not made because of the information given during every previous conversation with representatives. I did not think another deposit wouldve prevented a fee for this single transaction. 

Today my balance is showing - {$290.00}, including four {$35.00} overdraft fees. Not only was I charged a {$35.00} fee for the {$150.00} XXXX charge, I was charged a total of {$100.00} in fees for the three transactions that were  previously pending. 

I spoke to a representative today and explained that I made an {$80.00} deposit before the XXXX cut off time to avoid being charged three OD charges. I understood the {$35.00} fee for the {$150.00} XXXX charge. I was told I had until XXXX XXXX to make a cash deposit, which contradicts everything Ive been told during every other conversation with BofA reps. Ive also been told processing happens with the lesser dollar amounts paid first to allow for more transactions. In todays conversation, that suddenly reverses too with larger items paid first. 

I believe the processing order and the fee logic violate UDAAP resulting in disparate impact. I deposited {$80.00} by the cutoff time given by BofA numerous times. The {$80.00} was deposited to avoid three {$35.00} fees as guided by BofA reps. A second deposit was not made to cover the - {$140.00} because of the information supplied by BofA reps. Now I have large negative balance because the cutoff time and the processing order previously communicated by BofA reps was inconsistent with information given today.

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 2018-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I was written by mail claiming I owed a debt of {$23.00} for service in XX/XX/XXXX. I have not lived there since XX/XX/XXXX.. I called and they said they would look into the matter then on XX/XX/XXXX they reported I owed {$130.00} to the transition which showed up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have tried countless times throughout the week to withdraw my funds have them transferred or even put on a gift card so that I'm able to use them everyday this week I have used a different excuse as to why they're unable to give me my money I spoken to countless managers who have given me empty promises and the do not follow through on anything they say they're going to do and each manager says that they have no idea why the prior manager would say that because that's not even a real thing that they do it has been every day for the past 6 days I have called trying to figure out why there is an error message everytime I try and transfer funds and I get a different excuse from each manager not just a customer service rep

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I received a letter on XX/XX/18 from : Transworld Systems Inc XXXX XXXX XXXX XXXX, OH XXXX XXXX ( alternate address XXXX XXXX XXXX XXXX, DE XXXX XXXX ) Stating that I have a past due account in the amount of {$50.00} with original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX The account # given is XXXX. 

I have not done business with XXXX to my knowledge and never received any communication from XXXX prior to receipt of this notice from Transworld. This is obviously a false claim although I am unsure of the source. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are accounts showing on my Experian report that I contacted them needs to be removed. The accounts were paid and per the creditors they agreed to remove from my credit agencies. XXXX and XXXX have removed them. However, Experian has an issue either removing or updating my information. These old outdated claims that were settled and paid need to be removed. 

They have the habit of removing accounts that are in positive status that need to be on my account. It took me almost 6 months to have the add an account they deleted in error to be added back on. What is wrong with this company keeping information accurate and removing what should not be there???

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 2018-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CFS Holdings, Inc
State: MD

Complaint narrative:
I requested an auto repair loan to have my vehicle fixed with XXXX. invoice I have is XXXX. The company Confident Financial Solutions said I owe them XXXX which was not the agreement. While I was attempting to fix the issue with XXXX, Confident Financial Solutions would call me 4-5 a day back to back and would leave me 2-3 emails. I had to block their number for the ridiculous amount of times they would call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I wanted to send money to my mom and the WesternUnion app has an option that if someone completed the process in the app, it will charge them {$5.00} but despite I completed the process and received a confirmation email to go to the agent at this point and went to the agent at XXXX XXXX XXXX XXXX CA, the agent at first tried to send it but she couldnt because it was asking her the identification number which we didnt know neither the agent. Then i called the western union customer service and waited for the commercial for 40 minuets after that a lady answered and when I explained the situation to her she said she was sorry for the inconvenience and then again the computer started the commercial for more than one hour and then the call dropped. Then I asked the agent to help me but she was rude and refused any help. Then I did not have any other choices except to send the money to a higher price which was {$11.00}. And it looks like western union wants to one up people by giving them false promises. I want my {$6.00} back because they were dishonest to me and If not I will sue them as they wasted my valuable 4 hours. And finally no help. They have the wrost customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX/XXXX  XXXX they reported to the credit companies that this account was mine, I never had this account and I request that they show a actual consumer contract with my signature or remove completely the account looks to be paid off not be me. I filed with the XXXX and to this day have not received anything that they claimed to mail twice. thinking that this account is paid off it must be a waste of time to respond I do not have any account old or new with XXXX XXXX remove completely from my credit reports forever enclosed is the information from the XXXX   but this dispute started long before that date

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 2018-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX NAVIENT Acc # XXXX I have not time to be on the phone all the times answering collector questions, or reading every-day collector letters. I paid once, half of my student loan debt before gets unemployed years ago. Recently I paid, completely, an Amount Agreement after my 2016 Annual Tax Benefits gets freezed-and-collected by Collector Company.  ONCE AGAIN : I paid recently in full {$53.00} in 9 months : {$470.00} total amount, and that Collector Company Sold my debt to NAVIENT!!! Do I have to understand that my debt can be share-sale from one Collector to other Collectors FOR EVER?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MS

Complaint narrative:
I would like to consolidate my loans but I keep getting some outrageous amount that already more than my debt itself

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: MN

Complaint narrative:
I was attending XXXX XXXX university online. I was offered a grant of up to {$1800.00} if I wrote a 500 word essay stating why I needed it. 6 months later I received a bill in the mail for XXXX dollars. I was never told I would have to repay the grant at the time I wrote my essay or on the application itself. They are withholding my transcripts from me and have documented this false debt amount on my credit report for {$2000.00}.

*I have the actual application I used when I applied and I also have a picture of the 500 word essay for the grant application I wrote documented in my student online account under my documents showing I did indeed write the essay. *

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XX/XX/2018 I withdrew cash from my bank atm {$3600.00}, immediately i went to the teller to deposit it. The teller took the cash and counted it with a cash counting machine behind him. He tells me that the amount of cash i gave him was less than the amount i want to deposit, {$3500.00}. I told him that can not be because the money was just withdrawn from the bank atm and brought to him right away. He counts the money again in another machine and comes up short again. The branch manager counts the cash and he also comes up short. Somehow the missing cash was lost when i gave it to the teller because i did not drop anything between the atm and tellers desk, my husband was with me throughout the whole event. The branch manager said they can do an audit on the atm to see if there was a overage. XX/XX/XXXX i called the branch and rep said the audit came up normal, no overages. The rep said they would conduct a investigation on the teller and look at video footage from the day cash went missing. I called several times and emailed the rep and branch manager to get a status report but they ignore me and do not respond. It seems like they have stopped any investigation in my case. I feel like the teller stole my cash and the branch is covering it up by not contacting me. To this day I am still short {$100.00} and waiting for a response from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I a resident of Florida and has been a Chase credit card member since XX/XX/XXXX. I opened a Chase credit card account in or about XX/XX/XXXX. I made regular purchases of cryptos on XXXX using his Chase-issued credit card beginning in early XX/XX/XXXX. Up until and including XX/XX/XXXX, Chase treated all of my purchases on XXXX  as ordinary credit card Purchases under his cardholder agreement.

When I made additional crypto purchases from XXXX, using the same Chase credit card, on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, Chase suddenly treated all of these purchases as Cash Advances, and assessed at least {$90.00} in cash advance fees and over {$160.00} in cash advance interest charges ( as of XX/XX/XXXX ). Despite calling Chases customer service line to complain about the surprise charges on his account, Chase declined to remove them. I was forced to pay and did pay these surprise cash advance charges in full.

At no point did Chase attempt to notify me neither before nor immediately after I executed my latest crypto purchases that such purchases would be treated as Cash Advances rather than Purchases under his card member agreement.

Had I known that Chase was going to begin treating my customary Purchases as Cash Advances, then I would not have used my Chase credit card to buy cryptos on or after XX/XX/XXXX, and would not have incurred or been forced to pay the cash advance fees and interest charges that Chase levied against me.

Chase Bank USA, N.A. is domiciled in New York and is one of the largest national banks and credit card issuers in the United States. In late XX/XX/XXXX, Chase abruptly altered its customers credit card terms without notice such that any crypto purchases made by card members would be treated as Cash Advances rather than Purchases.

Due to my 0 % Transfers I made and 0 % APR on Purchases, this XXXX Transactions and Cash Advance Interest can not be paid in full till the other Balance is fully paid.

The Truth in Lending Act, at 15 U.S.C. 1637 ( i ) ( 2 ), requires credit card issuers to provide a written notice of any significant change, as determined by rule of the [ U.S. Consumer Financial Protection ] Bureau, in the terms... of the cardholder agreement between the creditor and obligor, not later than 45 days prior to effective date of the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OK

Complaint narrative:
We purchased our home on XX/XX/2018. We had enough money to put down 20 % and avoid PMI. The closing process required two site visits by an appraiser, the last of which was completed on XX/XX/2018. During the mortgage application process, the value of our home decreased by {$2000.00}. Our lender told us that if we still put down 20 %, our closing costs would increase by {$900.00} from the original quote we received. We were told that instead, we should put down 19.5 %, save on closing costs and pay one month of PMI. After one mortgage payment we were told we would reach the 80 % LTV required to cancel our PMI.

We made our first mortgage payment timely on XX/XX/XXXX and attained an LTV of 80 %. On XX/XX/XXXX, I called LoanCare to request cancellation of our PMI. I was told that I would have to pay PMI for 2 years before requesting cancellation. I researched the Homeowner 's Protection Act of 1998 and confirmed that we met the requirements to cancel PMI. So, I emailed Loancare to provide an official written request to cancel my PMI on XX/XX/XXXX. I received an automated reply that assured me a customer service representative would respond within 5 business days. On the seventh business day, I had not heard anything, so I called LoanCare. I spoke to someone in customer service who told me that my request had not been completed yet, but someone would be in touch within 3 business days. I called back on XX/XX/XXXX and I was told that someone would respond to me by XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Loancare stating that I met the LTV but I needed to pay {$100.00} for a BPO before my PMI could be cancelled. I called Loancare on XX/XX/XXXX to ask if they would accept my appraisal, which is much more in depth than a BPO and was completed less than three months ago. They told me no. I asked why I would be required to pay for a BPO when I had a valid appraisal and they told me it was not their requirement, but my mortgage holder, XXXX. They told me to call XXXX, so I did. On XX/XX/XXXX, I spoke to a XXXX   representative and told him my challenges. He told me the policy was not XXXX XXXX, but it was instead Loancare 's policy.

I have tried to understand the policy related to cancelling my PMI. I have been patient and I feel like I'm not getting anywhere.

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 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
After numerous attempts to rectify this fraudulent situation, Chex System, simply ignored and never tended to my matter. Every time ( 4 times ) I have written and mailed in my discrepancy, I was denied information because I didn't have a PIN number, which was never given to me. I have had this fraudulent report on my account for months without any help or investigation for months. THEY HAVE BEEN IRRESPONSIBLE AND NEGLIGENT WHEN HANDLING MY CASE. i have submitted all documentation and proof that this is fraud ( police reports, affidavits, etc ) but to no avail. The police even have a suspect and this still want enough for Chex Systems. This is disheartening.

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 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX my credit was pulled without my authorization from the company XXXX XXXX. They acknowledged this and sent a letter to all 3 credit bureaus. XXXX and XXXX removed the credit inquiry yet Equifax has not.

Company response to consumer: Closed with explanation