vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I do not know this company nor did I ever enter into a contract with them. Through researching them on this website, I see that I am not the only victim this company has tried to collect a false debt from. 
They have also done the same to my wife and at the time XXXX-year-old son who was still in XXXX XXXX, again they never heard of them nor did they sign any contract with this company. 

XX/XX/XXXX ( 5 yrs, 6 mos ) {$3300.00} CAPSTONE CREDIT & COLLEC   XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC.

Complaint narrative:
The cosigner just informed me that he received many communications from Navient /XXXX pressuring him to pay this debt. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sat, XX/XX/2019 at XXXX XXXX  Subject : Re : Payment Due To : XXXX, XXXX, XXXX XXXX XXXX Dear XXXX, Thank you for your correspondence . 

I already delivered a message to you/XXXX XXXX to put this loan in extended forbearance, regardless of your argumentation /promissory note ... pending int'l trial. It is the school that has to refund/ repay. 

The U.S Government ( loans/grants ), XXXX Government ( loans/grants ), and even XXXX ( private loan ), whose combined investment represents nearly 98 % of the total finance, are cooperating with me, allowing XXXX court time to find a solution .... 

Why not XXXX XXXX/Navient? 

Regards XXXX See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited a check at a Bank of America ATM on Wednesday, XX/XX/2019, at about XXXX XXXX  in XXXX, Massachusetts. I received an immediate notice that I would have a hold on the funds until XX/XX/2019. The check was from a Massachusetts company and drawn on XXXX XXXX  in Massachusetts. 

I spoke to Bank of America by phone on Thursday and they told me that the reason for the hold was " confidential '' and they could not tell the reason to me. I have no history of depositing check that are returned and have commonly deposited checks of similar amounts ( {$5000.00} ). The funds were withdrawn from XXXX XXXX   immediately. 

I have provided Bank of American with an email from the controller of the company that wrote the check with a copy of both sides of the check on Friday. But, Bank of America refuses to release the funds to me or tell me why they will not. I am avoiding depositing any checks or cash into this account as they may also receive a " secret '' hold order. Bank of America has put no other limits on the account.

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 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX at roughly XXXX XXXX I deposited {$320.00} into a XXXX XXXX XXXX XXXX XXXX atm, which is listed as a co-OP of Navy federal credit union. The machine stated that this transaction can not be completed at this time. It then returned my card, but it kept my money. I immediately called Navy Federal to file a report. They informed me that they would initiate an investigation which could take 45 days to complete, but also that in 10 days a provisional credit would be given to my account. I also went to XXXX XXXX XXXX the very next morning to see if they would take action, however I was told that since I didn't have an account with them I had to file a claim with NFCU. Finally on XX/XX/XXXX the provisional credit was credited to my account only to be reversed 4 days later. Upon there investigation, Navy federal says that XXXX XXXX  XXXX claims there was no overages on that day. I would like them to pull the video surveillance from that evening. Furthermore I would like to know if that atm had been serviced shortly after my deposit. I am livid at this point and I keep thinking about what if it were a larger deposit. I don't think Navy Federal did all they could do to get to the bottom of this and I am considering switching to another credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was enrolled in a credit insurance program without my consent. When I contacted XXXX, their only advise was to contact the company directly because they were a 3rd party, XXXX XXXX XXXX XXXX. Mind you I never enrolled in this program and XXXX know how I was enrolled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX was debited from my checking by Navient through an electronic check ; the check noted " Verbally Authorized by Your Depositor ''. While Navient has my permission to obtain electronic monthly payments from me on the last day of every month, for a calculated payment, mine for the past six since months ( since XX/XX/XXXX ) has been XXXX. I never received any correspondence informing me my payment was going to increase. I went through this same dilemma back in XX/XX/XXXX when they charged me {$700.00} without informing me of the changes. While they did refund me for that incorrect amount at the time, it was painstaking. While I have confidence they will also refund me this time around, I am so angered that anyone should have to go through this in the first place. They continually fail to inform borrowers that their payments will be changing and for how much ; it has to stop. I am taking this action today as it is really the only action I can take on a Saturday. This transaction was posted to my account on a Friday evening and I have been unable to resolve any issues with Navient as they're closed over the weekend. I attempted to make headway with my personal financial institution but their dispute department is also closed for the weekend.

I am requesting three things : First, to be refunded in the total of {$590.00} immediately. I never received any correspondence for monthly payments increasing to the deducted amount. My permission, verbal or otherwise, to be charged for {$590.00} was never obtained by the company. If, after the fact, Navient tries to inform me that an IBR plan expired and I did not complete the required paperwork, I will note that I never received correspondence about an IBR plan expiring, nor about what my new monthly payment would look like. My second request is to be sent correspondence at least 60 days prior to a plan expiring that contains detailed information on how to renew and/or extend your plan. Finally, Navient should never be allowed to charge a borrower anything other than what is reflected in their monthly billing statements. If Navient has intent to the aforementioned, then I am requesting for notification at least 30 days in advance to when a fee will increase, explaining why, and listing in detail what actions the borrower can take if they are unable to afford to make those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XX/XX/XXXX during the financial crisis we left XXXX XXXX owing a balance to Citi Bank. We received notice and agreed to repay the amount of {$1100.00} in monthly installments. The last payment in XX/XX/XXXX of XXXX plus dollars. Last week I received a 1099C of discharged debt which I should file to the IRS. My problem is not with the debt but the bookkeeping First it was on their books as a debt then my payments should have been a collection. Next they carried it as an accounts receivable for 6 years Now they are charging it off as a loss. 
My account is a drop in the bucket. However, if you multiply this by maybe 200,000 customers the bucket is full. The books are cooked. How many people after 6 years and all the financial turmoil caused by these banks can prove out the repayment and if you do get an amended 1040C after a lot of trouble are they going to report the income. They remind me of XXXX XXXX. Charge a lot of people a little and you have millions. Please look into this. A copy is being sent to my senators office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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 — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a validation letter to the company and they responded with photo copies of billing statements. This is not sufficient proof of debt. They must have original contract with original signature in order to validate this debt. They have failed to do so and have not removed the collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I booked a trip for myself and my brother/traveling companion with Chase Sapphire Reserve card that included a refundable hotel booking, 2 nonrefundable plane tickets, and 2 nonrefundable hockey tickets for a trip starting XX/XX/19. On XX/XX/XXXX, my traveling companion needed to undergo an emergency XXXX that prevented him from XXXX  per his XXXX. 

Chase sapphire claims to offer travel cancellation insurance for trips booked using chase sapphire card for reasons including : " Accidental bodily injury, loss of life, or sickness experienced by the Cardholder, a traveling companion or an immediate family member of the Cardholder or a traveling companion '' As soon as I learned of the XXXX, I contacted Chase in order to utilize this benefit. After speaking with a representative, I cancelled my refundable hotel booking and was told chase would handle filing a claim for the nonrefundable items. 

I received an email with a claim ID from Chase on XX/XX/XXXX requesting the relevant medical paperwork which I provided. I did not receive a response. 

I have received no follow up for chase despite having contacted chase at least 4 times now. 

Most recently, on XX/XX/XXXX. after explaining my situation to a chase employee, she was very upset at how my situation has been handled and transferred me again to the benefits team. I explained my situation to this team, and was told they had no record of my claim number but would start a new claim. I instructed that I would like to file a new claim and provided information over the phone. I was then told that I would be sent a claim form by email within 48 hours. I was never sent this any form or received any contact from chase. 

Chase employees that have been contacted on at least 4 separate occasions have shown to be willfully misleading during this process and has outright refused to honor the terms of their benefits card to this point regarding this issue. 

I have records of all interactions with chase to this point including recordings of all conversations with Chase Employees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assistance Corporation dba Revenue Group
State: MS

Complaint narrative:
My company had a contract with XXXX, dba XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, MS ( XXXX XXXX, XXXX ) to provide pest control services from XX/XX/XXXX to XX/XX/XXXX. We terminated service XX/XX/XXXX when we discovered they overbilled us. On XX/XX/XXXX, we received a letter from Revenue Group that our company was turned over to that collections agency. We never received any communications from XXXX regarding funds due and believe this to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). Since we received notice from the collections agency, we have disputed the claim but only received one email reply from XXXX XXXX at XXXX despite multiple communications by phone and email to XXXX ( To : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ). XXXX XXXX email to us advised us to contact a phone number for XXXX at credit and collections department ( XXXX ) XXXX but that phone number only has a voicemail recording and has not returned any of several messages. We notified XXXX the number they provided to resolve the issue was a dead end but they failed to reply to those multiple emails and phone calls. 

We have done everything we can to resolve this issue with XXXX but they refuse to return any communications or explain why they turned our company over to a collections agency, especially when they admitted to overbilling us. Therefore, we as the Consumer Financial Protections Bureau to investigate XXXX XXXX business practices at XXXX, dba XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, MS ( XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gitsit Solutions, LLC.
State: MA

Complaint narrative:
XXXX XXXX sent someone to drive by my home, man started taken pictures and asked me if he could come in my house. Told him no he wanted me to call his boss.XXXX  XXXX. I have no idea who these people are, I have never done business with them. I'm a XXXX XXXX yr old man, and my finance is a XXXX vet widow.Want these people stop coming to my home. They call me at least XXXX times per day. I called his boss he immediately a knew all kinds of information about me. Told me he was bill collector after he asked me bunch of questions then said he was going to record phone call, I immediately hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: CA

Complaint narrative:
In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX   XXXX XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a Ms. XXXX XXXX on the XXXX of XXXX, XXXX. 

It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. This account is still open, reporting, and I have never received any communication from XXXX XXXX XXXX regarding this debt or their attempt / willingness to investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 an amount of {$610.00} owed was reported to XXXX   from XXXX XXXX XXXX. The creditor is with Commonwealth Financial Systems. I am unaware of this charge or amount owed. It is an unknown provider and unknown service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
CCS offices called from XXXX asking for a XXXX. I have told them numerous time not to call and I don't know anyone with the name XXXX. 
XX/XX/2019 XXXX XXXX asked for a supervisor since informed numerous of times not to call. Talk with XXXX and explained more than 10 times asked not to call number. Asked who managed the call center she would only provide the name XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RFNA, LP
State: GA

Complaint narrative:
On XX/XX/2019 an associate from XXXX XXXX called my workplace instead of my cell phone. When told that I was with a client, associate preceded to tell my manager details of my account delinquency and payment arrangement. Spoke with supervisor who could be heard in the background stating that she is 'unavailable '. Spoke with manager who's office my account is in. Manager locked my account with notes stating to call my cell phone and not my workplace. Same young lady called my workplace again on XX/XX/2019. Spoke with a different associate at my workplace and gave personal information again about my account and payment arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Around XX/XX/XXXX, I submitted a dispute to Transunion in regards to an account in collection with XXXX XXXX in the amount of {$260.00} that was paid in full to the original creditor, XXXX XXXX, in XX/XX/XXXX. They verified to account as accurate with the collection agency due to a {$0.00} balance remaining. I disputed the account again around XX/XX/XXXX showing bank statement of proof of payment settled in full and yet was denied due to information being deemed as accurate and it still remains on my report. I have recieved a letter a few days later from the collection agency deeming that account is considered paid/closed with {$0.00} balance dated XX/XX/XXXX and it still remains on my report inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I called bank of America to let them know their was unauthorized Charges on my account. Due To me losing my debit card. On that date they open my Claims For {$1000.00} and {$550.00}. I was told that I'm not responsible For any fraudulent or unauthorized charges according to the Zero liability policy. BANK OF America said I would have to wait 10 business days. On XX/XX/XXXX I was Credit the money back until my account. XX/XX/XXXX I goes into online bank to find that they put a $ -XXXX hold on my account. I had to wait until Monday to call because they weren't opened when I called due to the holidays. Not only did they tell me they was closing all my accounts but that they didn't have to tell me why. After being with them for about 3 plus years. It has been about 2 to 3  months of them telling me my accounts was being closed and that they mailed my check out. They have told me on two occassions that I could go pick it up from the bank but when I went to the bank it was a totally different story. I would call every couple of days to see if my accounts was closed and if the check was mailed out from them and they would keep telling me the same thing or giving me another date. So now I'm just out of {$1500.00}. I've been lied to and manipulated for 2 to 3 months just for them to tell me that my claim has been denied. They are telling me that I'm a liable and that they believe that the transaction was authorized. What am I to do from here?

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 2019-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal has failed to communicate properly with me around a dispute I reported to them on XX/XX/XXXX. After reporting the problem, PayPal web site prompted they need to contact the seller of the digital goods ( that I never received ). They confirmed recently they never heard back from the seller but then closed the case without properly communicating the results with me via mail. They are not allowing me to escalate the issue or follow up the status of this case which is very surprising and disappointing. 

PayPal is simply denying addressing this and such cases where a customer is reporting an illegitimate payment, but the seller does not even provide any feedback ; Instead of cancelling the transaction and refunding the customer when seller does not even responds to PayPal follow-ups, PayPal refuses to proceed with the original reported problem and requires further input from the customer. PayPal should have refunded me in first place after the seller did not get back to them, or at least contacted me via mail for next steps. Even if none, they should allow customers to be able to follow the claim and not to BLOCK them systemtically from processing it. The customer service response was very disappointing when I tried to create a follow up ticket.

Company response to consumer: Closed with monetary relief