vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I sent in a {$5000.00} check. Wrote on the check to principle only. They didn't apply that XXXX to principle only. I called and told them. They told me it was automated that they couldn't do anything about. It was already done. Paying on the computer app and on website do not allow you to only pay principle. This is an evil company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: NY

Complaint narrative:
Over the internet I sold property to an unknown individual for USD using PayPal to accept the funds. I have used PayPal before and other online wallets or accounts and understand there sometimes holds or a pending status and felt comfortable of using it. So taking that into account when the unknown individual sent the money I made sure it was in my account but also with no hold or pending status. after feeling comfortable about that and thought the money was mine I sent the property to the individual and had no way of getting it back. about an hour later to my surprise paypal took the money out of my account and sent it back to the buyer claiming it was an unauthorized transaction and they did a " full investigation '' ( within one hour and not one question for me ) I have tried to talk to them with no solution because they wont accept responsibility meanwhile I have a negative balance for months now which is killing my credit score which was perfect before. I will never use paypal again. I can not understand how they can just take your money and send it back at anytime. It was my understanding that money was mine in my account with no hold or pending status. I understand that this was a scam now but the bigger problem is it's going to happen again and again because paypal is facilitating this behavior. So lets just say the account the money was sent from to my account was hacked which is possible but I don't believe it because of the amazing turn around time but lets just say ok that transaction was unauthorized but who should pay for it. ME! no, there has to be some kind of accountability here and I can't account for money unexpectedly coming out of my account any time or any day. But if paypal or any bank or online wallet wants be able to send money back to an account for what ever reason there has to be a status for that money like on hold of pending with a time frame whatever they want it to be whether its a day, month or year. PayPal claims they have fraud protection, that is a joke. I asked about this and was told it was a family and friends transaction which I had no idea. I did not send the money to select that option and did not speak to the buyer about it at all it was a surprise to me. So theirs no fraud protection, just paves the way for fraud. Sounds like XXXX XXXX old ways since there recent admission of guilt that it violated U.S. lawsThe Bank Secrecy Act and anti-fraud statutesby processing hundreds of thousands of transactions for XXXX XXXX agents and others involved in an international consumer fraud scheme and agreed to forfeit {$580.00} XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They have been adding extra fees for attorney 's and court cost. I owed {$2000.00} but that has increased because of the people they send to harass me and my family by leaving notices taped to my front door and also, approaching my daughter when she is heading into work.I am shocked that they can go this far to collect old debit that goes back to 2016. I did settled with one of the card company 's but now I'm receiving lawsuits left and right from others.

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 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.

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 2019-12-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.

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 2019-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This collection company named Phoenix Financial services, there are pretending to collect a debt of the amount {$17.00}, in which it have been paid since XX/XX/2019 with check Num. XXXX {$17.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Phoenix Financial Services has offered a discount to pay an amount of {$14.00}, in which I owe them nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: WI

Complaint narrative:
Chase Credit Card refused to allow me to file a dispute against XXXX XXXX for my dissatisfaction with the goods XXXX XXXX sold me, unleaded gasoline. The gasoline was " bad '' the past 2 times I filled up at this particular gas station, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX, ( XXXX ) XXXX it caused the Engine Malfunction Light to illuminate in my car. 

I called Chase today, XX/XX/XXXX, and spoke to a " XXXX '' and " XXXX '' who refused to allow me to file a dispute on the charges of {$35.00} on XX/XX/XXXX, and {$30.00} on XX/XX/XXXX, both for the gasoline purchased at that XXXX XXXX XXXX. I explained to them that the gasoline from this XXXX XXXX XXXX  caused the Engine Malfunction Light to turn on in my vehicle two times, both times shortly after filling up my gas tank with this gas. 

When my tank got low after the first fill up XX/XX/XXXX the Engine Malfunction Light " Check Engine Light '' went off. It was off until I refilled the gas again at the same XXXX using the same pump on XX/XX/XXXX and thereafter the Engine Malfunctiom light once again became luminated. 

Chase refused to allow me to dispute either chargeand will not allow me to dispute the charges unless I, the consumer, PROVE to Chase that XXXX  sold me " bad gasoline ''. 

I don't have to do that for anything else I dispute, the gas station is no exception. If I am dissatisfied with the goods sold to me and I paid that on my credit card, 15 USC 1666i and the Fair Credit Billing Act, Section 170, I am allowed to file a DISPUTE. 

Instead the impression I got was that Chase was on XXXX XXXX side and believes consumers DO NOT HAVE A RIGHT TO DISPUTE GASOLINE, yet I do not find that exception in the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Place me in collections for an original debt of {$180.00} but debt was a Payday loan of {$500.00} or less the {$180.00} is was is left of the original debt. I tried to make payment arrangements but the Collections Agent refused to do so and wanted the entire amount over the phone, right then and there with the promise to remove the debt from my credit report if I did so. What makes it so bad is that the debt was placed on all 3 of my credit on XX/XX/19, I called back the same day to see what the debt was about. It is my assumption that this violates the FDCPA by using fear tactics and intimidation to collect a debt. Also, it says that the account is still an OPEN account.

I " THINK '' I got this pay day loan about 6 or 7 years ago. I am not too sure if they are even the original creditor or not, that was never told o me over the phone. Secondly, I never got ANY notices in the via U.S. explaining about it to my current or past addresses. According to the Collections Agent, he said I paid most of the debt off and ONLY owed the remaining {$180.00} but {$180.00} is NOT the original debt as it states on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit calls 2 or more times a day. I block the number but then they use another number this had go on for about a year. I dont remember doing business with them or having any outstanding debts, but they never leave any information as to the reason of calling, they just call and cal Just constantly calling everyday even on holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My mortgage loan servicer ditech frequently isn't available during their stated business hours. It says clearly on their website that I can call weekdays between XXXX and XXXX ET, XXXX XXXX ET, and XXXX XXXX to XXXX ET. ( I'm on PST so I'm mindful of the time difference. ) I have to call to make payments because I'm behind on my mortgage and to pay online or over the automated phone system you have to pay the full past amount due. I can't do that so I have to speak with a representative to make a lesser payment. Now whenever I call, their office is either closed or the representative puts me on hold until the call drops and then when I call back they're suddenly mysteriously closed despite the fact that I am calling during their posted business hours. 

I'm mad because if they try to say that I've gone 3 months past due on my mortgage because I failed to make a payment that's on them because they were never there to take a payment and they don't allow me to pay any other way. And personally I find it extremely shady that they force you to pay a specific way and then fail to let you pay that way as if they're trying to force me into foreclosure on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To make a long story short, I have an XXXX XXXX  store card ( recently closed due to this issue ) with XXXX XXXX. Not only has comenity reduced my limit twice in one month on more than one occasion, they have me in their system as using 100 % of my credit limit ( {$940.00} ) even though my account is paid off, with no balance and no payments due!!! 
I made a purchase in XX/XX/XXXX for a dresser that was {$790.00} plus tax and delivery. Delivery day came not merchandise..I called to be informed that I never confirmed the delivery date ( which I did upon leaving the store via the link sent in a text ) so I was going out of town and chose to not wait on another date and cancelled the order. Was told by the store I cant cancel with them I needed to contact comenity bank Which I did. They said since the delivery wasnt confirmed, nothing was taken from my card so there was nothing to refund. I confirmed that I still had my available balance and hung up. 
Fast forward to today XX/XX/XXXX. I got some office stuff for Christmas and needed a desk. I went online to purchase one from XXXX XXXX.the desk was {$290.00} plus fees. Went to check out, it said unable to process. I logged in to my account to find I had {$97.00} avail credit. What!!!!! I was upset and called, I spoke to 3 different people who transferred me each time after being on the phone with each for 45min or so. I finally got someone who said my account is on hold..Why I said?? And the avail credit was now 0.. the rep ( supposedly a specialist supervisor went on to explain that the previous cold purchase was still in the system, and not only that, the purchase I just tried to make depleted the rest, and although one transaction was cold in XX/XX/XXXX and todays didnt process, I will have no available credit until XX/XX/XXXX because of the no interest promotion from the XXXX purchase..Im upset and I say, so basically I have no credit even though I have no merchandise, and completed XXXX transactions? And because of a system error, it is going to show that I am utilizing 100 % of my limit with your company to credit bureaus, even though I am utilizing NONE!!! Basically I was told this rarely happens but when it does, just sit tight, and wait. I said XXXX is not when I need the desk. Not only did this company ruin my score last year by their frequent decreases, way more than any other company despite on time doubled and extra payments, but now my credit will be destroyed once again by this company showing 100 % utilization when I havent utilized a dime!!!! Please help me..this must be illegal!! To make matters worse, I have a XXXX XXXX card through this same bank ... .please help me, I closed this card do to the frustration of it all, and now I fear my credit will show this inaccurate utilization for months..this is unfair and unprofessional

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: FL

Complaint narrative:
I received multiples calls back to back same phone number within about 10 minute time lapse. I answered thinking it was an emergency of some sort as I have children. Was told it was from a debt collector I took down some info explained I was busy and told them I can contact them at a later time which I intended to and was put in phone with superior who proceeded to talk to me aggressively saying I had to pay today I had no choice but to answer my phone and spoke to me loudly. I told him he was being unprofessional and that I was a busy person he has no right to get aggressive when all I was asking was to give me time to call back when I had a chance and he wasnt giving me he continued to be aggressive to a just got As much info as I could and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Contact XXXX Email XXXX XXXX I am asking city bank about all the recording call from my cellphone XXXX

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 2019-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX at XXXX XXXX is trying to balance bill a XXXX patient after XXXX paid them for the hospital stay in XX/XX/XXXX. I meet my deductible so I had no copay. They are balance billing me for the remainder of the bill which is {$32000.00}. In XXXX I tried to resolve this issue and it on record with XXXX about the balance billing. XX/XX/XXXX I received at debt collection letter for money owed by CMRE Financial Services. Which I  was told by a XXXX XXXX that I was going to be sued if I do not pay the money and was told that the hospital was allowed to balance bill me because the law states they could. 
Also received a debt collection letter from same company stating I owed {$3300.00} for services in XXXX at same hospital. As I and XXXX and XXXX have tried to straighten out the fraudulent billing XXXX XXXX at XXXX XXXX Hospital would not cooperate with XXXX in their investigation I received a letter from XXXX that the hospital would not respond to their request and the debt was not mine. 
So I tried to resolve these matters in XXXX and XXXX think that they have been resolved since I have not heard from the hospital till I just received two collection notice 's and a treat to be sued for debt that's not mine and have been reported to the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
America express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Contact XXXX Email XXXX XXXX I am asking XXXX XXXX  about all the recording call from my cellphone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
XX/XX/2019 Called & Cancelled all cable & internet services effective immediately & requested removal from auto payments. Returned all equipment & have receipt. 
XX/XX/2019 Continued to be charged for services thru XX/XX/2019 & checking account was auto debited another {$240.00}. When I called, they advised that cable was " scheduled '' to be cancelled, but internet was not & nothing could be done about amount debited. There is major miscommunication between XXXX XXXX XXXX XXXX XXXX XXXX on billing and cancelling- After multiple calls and hours of waiting, rude customer service agents, some nice customer service agents who explained they hear this all day, & promises of calls back, finally received from statement showing {$190.00} was removed & {$0.00} due. 
Then received bills again from XXXX XXXX XXXX for same service & same amount due again {$190.00} No amount of phone calls could fix this. Service was cancelled & we paid an additional moth. We have an invoice clearly showing {$0.00} due and still was sent to collections for amount by XXXX XXXX XXXX XXXX {$190.00} There is major miscommunication between XXXX XXXX XXXX XXXX XXXX XXXX & they are double billing. I disputed this and they sent back only XXXX XXXX XXXX statements and disregarding the XXXX statement which is for SAME account and shows {$0.00} due after multiple phone calls and being transferred to all different departments within the 3 company names.

Company response to consumer: Closed with explanation