vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2018 I was scammed by an XXXX  page name @ XXXX # XXXX, PayPal account was XXXX XXXX XXXX, and email address XXXX who was pretending to be a tattoo artist whos whole XXXX  page was a fraud he used images of other peoples work. He tricked me into sending him XXXX dollars for a tattoo deposit and because I sent it as ( send to a friend ) to him so he would receive his money faster I wasnt able to cancel for a refund and PayPal denied my fraud dispute. I was totally scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
Company continues to report to credit bureau a debt that was previously included in a chapter XXXX  bankruptcy and discharged. Dispute was made with credit bureaus and the reporting continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: TN

Complaint narrative:
Received message about pursuing legal action, called back and spoke to XXXX who was very rude and would not give much detail about debt, I explained I have no knowledge of any loans or debts plus I filed bankruptcy. She kept arguing then said good luck wages will garnished and hung up, called me back and then began harassing me about filing bankruptcy in the past. They called my aunt who lives in another state and also called my elderly parents. All she said was this something to do with XXXX who I have never had a loan with. 

XXXX x XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I have a new mortgage through a company called LoanCare ( My mortgage has been sold several times since I first got it back in XX/XX/2017 XXXX and I found out that when I make my payments online, there is a {$5.00} payment fee after the XXXX of the month and a {$10.00} payment fee after the XXXX of the month. I was under the impression that there could be no late payment fees until after the XXXX of the month on VA loans. Here 's the breakdown : Online payment XXXX of the month though the XXXX of the month- No Fee Online payment XXXX of the month though the XXXX of the month- {$5.00} Fee Online payment XXXX of the month though the XXXX of the month- {$10.00} Fee The only way to avoid these fees is to either mail in your payment, or set up and automatic withdrawal. 

While they may not be calling these fees " Late Fees '' they are fees that are assessed based on the day of the month that you pay, e.g. late fee. This seems like a shady business practice and not in line with what the VA envisioned when they created the rule that there can be no late fees before the XXXX of the month.

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 2018-06-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I already filed a complaint on XX/XX/XXXX. 

" On XX/XX/XXXX, I called to report my credit card lost / stolen, and asked for a replacement card to be sent OVERNIGHT to my WORK ADDRESS. XX/XX/XXXX came and went, and I never received a card. I called the same night and asked where the card was. I was told it would arrive by Monday, XX/XX/XXXX ( even though I had requested it to be sent overnight ). Monday, XX/XX/XXXX came and went. I put in a third call to Chase to inquire about the replacement card. The representative assured me it was on the way. Finally, on Thursday, XX/XX/XXXX, I received the replacement cards via regular mail ( instead of overnight ) sent to my home address ( instead of work address ). I asked if Chase can compensate via Ultimate Rewards Points for the trouble and lack of follow through, and I've gotten no response. '' On XX/XX/XXXX, Chase closed the account without resolving the issue, and said they issued 5,000 reward points to my account, but never did. I've made at least three calls to the Executive Office since, and have gotten no response from XXXX. I want to reopen the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I bought XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, and the software does not perform as outlined. I am a XXXX XXXX XXXX Veteran. I did not take the 14 day free trial period. I bought the software thinking it would help me as a trader in commodities. I haven't had the software for 14 days. I bought it on XX/XX/2018 and the 14 day period, would end on XXXX XXXX, 20018. I thought there was a money back guarantee during that 14 day period. XXXX didn't explain to me that : all sales are final which I believe is a scam. 

This software does not generate XXXX XXXX XXXX for XXXX. When I bought the software on-line, I was not told : all sales are final. This is a scam to get my money which was {$1500.00}. I used PayPal. Here is the information from PayPal : XXXX2018 XXXX XXXX XXXXXXXX Loading transaction details forXXXX XXXX XXXX - negative {$1500.00} XXXX XXXX this XXXX XXXX with XXXX XXXX XXXX XXXX  Ship to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX United States Category Software Transaction ID XXXX Return shipping refunds Request return shipping refund For more info See Terms Seller info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} Total {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX a letter I sent to Wells Fargo requesting validation of an alleged account in my name was signed for via certified mail. It is required by federal law that a notice of dispute is to be placed on any account within 30 days of a dispute in which Wells Fargo failed to do. I have retained a copy of signature and date of receipt as well as a time-stamped copy of my credit reports, showing that Wells Fargo has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. A follow up letter was sent and was signed for on XX/XX/XXXX stating that FCRA rule had been broken and a deletion of the trade line was required. In addition to this Wells Fargo has not been able to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

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 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have received paperwork where XXXX is threatening wage garnishment formerly Nelnet, Since I do not have access to a phone during their available working hours, I sent a long detailed letter and financial information to them that they requested using the forms available to me on their website. All the information was provided to them by the date requested in order to set up some sort of payment arrangement. They have not sent me a statement that shows the amounts owed and why? I requested in writing for an itemized information regarding what is owed, including the payments I made in the past including the taxes they garnished from me in XX/XX/XXXX and XX/XX/XXXX filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan chase bank holds the proceeds from a flood policy payment as a result of hurricane Harvey. For 4 weeks, I have tried to get money disbursed. Rather than disburse the funds in accordance with their own policy, chase continues to demand additional information ( much of which does not exist or is not required ) as a way to delay paying these funds. I have asked to speak to someone who can review the file, approve payment, and issue the check within XXXX business days. Chase refuses to put me in contact with such a person, and insists that it can't be done. Then, they demand more documentation further delaying the process, while telling me there is no way to move the process forward. For example, after being told payment would be issued by XX/XX/XXXX, I was told several times it was being processed before being told on XX/XX/XXXX that it had been cancelled. Chase then demanded a signed contract ( which does not exist ). I submitted an invoice from the contractor. Chase insisted it had to be signed. I complied with that request and asked to speak with someone who could review it, approve it, and issue the check. Chase refused, and then called the contractor and demanded a copy of his license. GC 's are not licensed in Texas, so chase then asked for the license numbers of any subcontractors. He provided that, and chase responded by demanding a copy of the license, a publicly available document from the state of Texas website. Even though this process has been going on for 4 weeks, and chase has had all information it requested for 4 days, it refuses to place me in contact with someone who can approve the disbursement. My expectation is that chase will demand additional information to continue delaying payment since they refuse to put me in contact with a person who has the authority to approve payment. Feel free to contact XXXX XXXX at chase bank in Georgia, XXXX. She candidly admits she can't resolve my problem, but refuses to transfer me to someone who can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card has not changed my due date and keeps charging me late fees. There was a fraud on the card so we cancelled that card and have not received the other one. They refuse to change the date as they state we are late of which we are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nationwide Debt Management Solutions, LLC
State: PA

Complaint narrative:
They keep calling my boss and releasing personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX is trying to collect on an account that does not exist. It has been confirmed by XXXX XXXX that I am not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was alerted to fraudulent charges made to my Chase credit card account in XX/XX/XXXX. Later that month, I discovered additional charges made to XXXX that I had not made and identified were connected to the additional fraud attempts on my card. I notified Chase and they removed the charges. 

In XX/XX/XXXX, I noted that the charges had been rebilled to my account. I reached out to Chase who asked that I contact XXXX/provide screenshots of my purchase history. I forwarded an email from XXXX confirming that I had not made a purchase from their site since XX/XX/XXXX. 

There were five charges made : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX I was contacted by Chase on XX/XX/XXXX who indicated that this was not sufficient evidence that I had not made these charges and my dispute was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report Equifax have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I have a problem with XXXX XXXX assistance in XX/XX/2018 I got a flat tire midnight and after I called road assistance two weeks after my wife and me got fraudulent transaction in our provided credit cards and we filed policy report not body take responsibilities, but now the situation is we cancelled the insurance for wheels & tires and the only thing I want is don't pay {$30.00} a month for this insurance but after they acceptance to cancelled the insurance they said over the email if I don't use the insurance or I don't have anymore still have to pay {$30.00} a month I don't want to pay that just pay the monthly payment for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I financed my house with Quicken Loans and Allowed them to run my credit twice yet I have 8 credit inquiries from this company disguised as other companies such as XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and as XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. While the dates in XX/XX/XXXX I admit to because I was trying to buy a house and, XX/XX/XXXX when i let them check it for a refinance opportunity, the rest were not authorized. I spoke with them regarding this situation multiple times and was told that even though they have no proof that i gave them permission to run my credit that they would not remove the inquiries because they didn't have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
The XXXX card was first offered to me through XXXX XXXX Bank as a points card. It was later sold off to Bank of America, who then changed the terms of the contract. Instead of life time miles as long as charges were made on the card annually, Bank of America changed the terms to allow miles to expire after five years. Bank of America is not honoring the agreement and the contract made between XXXX XXXX Bank and myself. I did not recieve any notice of the policy change. This is very deceptive marketing and practice.

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 2018-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: CA

Complaint narrative:
I opened an account with XXXX dollars with first national bank of pennsylvania. After 1 day my online access was cut off due to me living outside of their traditional service territory. I called their customer service 3 times and the first 2 times i was told an online rep would call and reach out to me which never happened either time. Afterward, i tried to close the account out and they told me I have to do it in person. I live XXXX miles away and can not go into a branch and they wont do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report XXXX have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : National credit systems XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Received call from XXXX XXXX threatening to garnish paycheck and file complaints with licensing board against my state licenses. Amount changed 3 times during conversation from XXXX to XXXX to over XXXX. This debt is more than XXXX years old and this is the first thing I have heard from this company and they were threatening and abusive. They refused to give their names or employee ID and also refused to let me speak with a superior when she would not answer my questions. They did not have my correct information or amount of alleged debt owed. This is a predatory company and they need to be disciplined as such.

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 2018-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is providing conflicting information when attempting to address delinquent mortgage loan, which appears to be violation of California 's Homeowner Bill of Rights, the Dodd-Frank Wall Street Reform and the Consumer Protection Act XX/XX/XXXX -Chase re-scheduled the foreclosure sale to XX/XX/XXXX per XXXX XXXX at XXXX ext. XXXX *same phone number as " XXXX '', note there's an extension this time -but XXXX didn't provide extension. 

XX/XX/XXXX -Chase confirms they received the Request for Mortgage Assistance ( RMA ) application per XXXX XXXX , Relationship Manager ( SPOC ), at XXXX ( no extension ). 

XX/XX/XXXX -Chase states the loan was sold at a foreclosure sale per XXXX XXXX , their Executive Director, at XXXX *same phone number as Customer Support. 

XX/XX/XXXX -Chase " re-scheduled '' foreclosure sale date to XX/XX/XXXX and mentions client is not under any " payment assistance review '' per their Home Lending Executive Office at XXXX *unclear if payment assistance review refers to RMA, at which point the statement is incorrect per XX/XX/XXXX confirmation, or if there's additional programs available, which homeowner has not been advised about. The letter mentioned XXXX, yet it appears they didn't keep each other updated per alarming and concerning updates. 

XX/XX/XXXX -Chase requested evidence of transfer of ownership by XX/XX/XXXX per their Customer Support Team at XXXX *same phone number as Executive Director.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is trying to collect on an account that does not exist. I am no longer responsible for an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The XXXX card was opened in error in XX/XX/2017 when a XXXX card system failed in the store to accept an already valid account card. The application for the new card was told to have been terminated in the store once I realized the process was actually opening a new account, accessing my FICO scote, and adding an additional account with the creditor. Instead, I started getting calls in the first month about the charge. I asked that the charge be verified as well as the validity of the account. Instead, collection continued and another charge added to the account, which was also questioned. After I figured out on my own the error of opening a new account altogether in the store instead of fixing the problem accepting the card/account I already had, the new account had been listed as delinquent without validating any of it. This is notably a one month delinquincy report affecting my entire FICO category. I paid in full and never received the late payment fee reversal. Also, the account was requested to be closed months ago.

Company response to consumer: Closed with monetary relief