vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Before moving out of the residents the apartment manager had made a agreement with me to pay on damages that had accrued i had paid {$790.00} in total she had given me hand written receipts she told me that once repair total was paid in full the maintenance man would come an repair the issues at the time of me moving i had asked the lady if the repairs were going to be a issue since i had paid them she said no they would be repaired before the corporate office came an inspected the apartment to see what needed to be charged then i get this huge bill on me credit. this was taken care of already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We have been sending documents to prove that we qualify for a Loan Modification and each time we comply with the completed package that was requested by the CITI Representative, we think we are going to get an approval here we go again, more and more documents. This package that we are preparing for submission now we have sent 7 times and each time we must start over, Please help us with this situation. We want and need to save our home. We need to know if there is some reason that we are getting the run around with our account. 
As soon as we submit the requested documents, Citi refuse to acknowledge the receipt of the documents. Each time we must start over, we want to comply with their procedures and get an approval to save our home, however the requests are always the same documents we have already sent with a few more requests added. 
We are submitting the 8th full package to day XX/XX/18 - 28 documents, what will they need this time? 
Please help us. We can payment a down payment we can afford the mortgage

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 2018-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: PA

Complaint narrative:
Received a call today from GB Collects, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ph XXXX XXXX XXXX. They told me my husband owed a medical bill from XXXX XXXX from XX/XX/2017. I told them this was not possible as we had no XXXX  XXXX in XX/XX/2017. He continued to insinuate I owed money and was probably in trouble. I asked for the social security number the medical bill was for, he did not have that info. I told him he was mistaken and I felt he was a scam. He tried calling once more, I did not answer. 

I saw one other complaint on this company for repeated calling to seniors about debt no owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: MN

Complaint narrative:
In XX/XX/2018 I began receiving letters from this company claiming they were collecting a debt for XXXX XXXX. They advised that XXXX sent them paperwork stating a balance was on my account due to XXXX employees falsely reporting a rental car stolen that I rented & failing to close the pre-authorization to collect the balance before falsely reporting the car stolen. XXXX XXXX XXXX XXXX collected approximately XXXX $ via phone & stated it satisfied the debt & they would send the debt verification documentation to me. The company never verified they have authority to collect the debt, sent any debt verification documentation or informed me of a right to dispute before I began demanding documentation in XX/XX/2018 because XXXX claimed they still had a XXXX $ balance despite XXXX XXXX XXXX XXXX stating they collected that debt ( plus hundreds of dollars in excess ). XXXX finally sent a record of the balance owed & it shows that XXXX XXXX XXXX XXXX collected hundreds of dollars more than XXXX alleges is owed. When called to find out what XXXX XXXX XXXX XXXX was doing, the call center reps began to act as complete fraudsters or scam artists by completely fabricating details, threatening to tell the court 's false information/alleging the criminal court 's had contacted them with false court dates/court information in order to intimidate me into paying more money. It should be noted, that XXXX employees fabricated statements to law enforcement in VA & MN in order to frame me for felony arrests by alleging I stole a rental car after the VA employees intentionally falsified information in the corporate database to have me maliciously prosecuted due to negative relationships between the employees & myself. That false report of a crime lead to XXXX XXXX XXXX XXXX contacting me alleging they were collecting the balance the employees intentionally left on the account to frame me for a crime. XXXX XXXX XXXX XXXX rep, XXXX XXXX, stated during the payment processing that the paperwork she has seen/conversations had w/XXXX ( allegedly/possibly, the parent company of XXXX XXXX XXXX XXXX ) shows the employees stole the car & framed me. I agreed to pay the balance of the contract in good faith after learning that the employees at XXXX had intentionally failed to collect payment in order to frame me for a crime. 
XXXX XXXX XXXX XXXX has called repeatedly, in a harassing format, demanding payments yet has refused to provide requested documentation of debt, authority to collect debt etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Last XX/XX/XXXX, I purchased a program that was financed on multiple credit cards to purchase a revenue and education system from a company called XXXX. 

My purchase with Bank of America and had an initial purchase of {$20000.00} placed on it to buy into XXXX and start my education. In XX/XX/XXXX, the Federal Trade Commission ( FTC ) shut the company down for multiple reasons. The XXXX website, as well as it's subsidiaries, were also shut down. Many people were left with no contact, a lot of debt and no income to pay those bills. 

I have not received what I was promised - an education, training, income. 

Many of the companies I used as a line of credit to complete the purchase have provided in full charge backs. The companies I have received full refunds are XXXX, XXXX XXXX, XXXX and XXXX. 

But back to Bank of America - they gave a provisional credit and then retracted it. I would appreciate it if they would create a charge back of {$20000.00}, which is the XXXX down payment.

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 2018-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I advised XXXX that I wanted to stop any automatic withdrawals from my banking accounts on XX/XX/XXXX. Since this time they have taken out four additional automatic withdrawals on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX totaling more than {$600.00}. One of those was taken out even though I had a payment arrangement with them and two have resulted in insufficient funds fees of XXXX each. I am now sharing an account with a family member and did not want them to know about this loan. When I called them and asked how much my original loan was for, how much Ive paid back and what my balance was, they could not give me this information. I had issues with XXXX before and made a serious error in judgment by going back when I was told that things had changed. These errors are their part have resulted in my family member being aware of my loan and of additional expenses. Everything Im telling you can be verified if their calls are recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have previously filed against Wells Fargo over this same thing. They have again claimed that I gave my ex permission to charge things to my account after not only removing him, but calling the police on him for stealing from me. I want a detailed explanation of how they are arriving at this ( or honestly if they are just making this up because I did not give him permission at all ). Furthermore, they admit to issuing multiple cards for the account. One I knew about ( I have or had it, and that's fine ). Another was given to him without me knowing about it, and that's the issue here. It either shouldn't have been given to him or deactivated the moment I called in and told them to revoke everything ( yes, including any loose cards they gave him, but they failed to ). They had already failed to stop him from withdrawing money from my account and changing contact information to prevent me from discovering his fraud / filing against his fraud until relatively late. They are even preventing me from getting statements from 2 accounts that he opened in my name even though that's against Social Security 's rules ( federal rules ). However, the statements are less of a problem than them ignoring that he did not have permission to mess with my accounts at the time in question and there's multiple court orders here about how they aren't supposed to be charging me for his debts. So let 's start with a real, detailed explanation from them of how they arriving at this conclusion so that I can figure out what they are misunderstanding or if they are just lying because they feel that they can more easily squeeze money out of me than out of the actual person who is responsible. If that doesn't clear it up, then it will be about 2 months ( I believe ) before I can serve. Thanks.

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 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Fraud Claim filed with Bank of America on XX/XX/18 for debit card use from complete account takeover. My phone number was taken on XX/XX/18 and ported from XXXX XXXX XXXX to XXXX, then then used a debit card that they had taken from my mail after I had one reissued after attempts were made against it the previous week on XX/XX/18. My XXXX account was taken as well. I have been denied my claim by Bank of America twice because they keep saying that I approved the transactions when I have tried to explain that they were approving them because they had my number, they were also calling into the bank with my number and increasing the amounts/limits that could be used on my debit card. I have been a longstanding Bank of America customer and have never had a claim or a problem of any kind before this.

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 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I preface this by conceding that that automated selections during the complaint process may not be exact to this issue, but perhaps best represent my concerns. 

- On XX/XX/18, I purchased four ( 4 ) tickets for the XX/XX/18 XXXX XXXX concert at XXXX XXXX for an all-in cost of {$690.00}. Subsequently, it was decided that we would not be able to use these tickets ; and so we listed the tickets for sale, ultimately at a loss. 
- The night before the concert ( XX/XX/18 ), we received an inquiry regarding the four ( 4 ) tickets, and agreed via text message ( with buyer at XXXX ) to sell for {$500.00} ( {$120.00} per ticket ). Funds were received ( {$510.00} gross sent ; {$490.00} net received ) via PayPal and tickets were sent to the email address provided ( XXXX ). 
- Nearly two weeks after the transaction, the buyer disputed the charges through their financial institution, which disputed with PayPal. PayPal deducted {$530.00} from our PayPal account ( {$510.00} + {$20.00} penalty ; thus, charging us also for the fees previously paid by the buyer ). 
- Upon notification, we provided evidence of the text messages and copy of the sent email to PayPal. On XX/XX/18, PayPal notified us that they would dispute with the buyers financial institution on our behalf, a process that could take up to 75 days. 
- While still within the 75-day timeline ( which ends XX/XX/18 ), we received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/18, that PayPal sent our balance to collections. We never received notification from PayPal that our account would be sent to collections ; and this remains in open dispute as confirmed via telephone with PayPal on XX/XX/18. 
- More detailed outline is provided further below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX is calling me non stop using various area codes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Sometime theycall as a ptivate caller or unknown caller. they call2 timesin the morning, afternoon and evening up to XXXX at nightand saturday and sunday.. I sent a letter to capital one, along with the name of my bank and my account number showing that my income of social security was, indeed, under the protected status which my social security income could not be touched forant reason by any bill collector. this information should have been conveyedto XXXX when they sold them my account.. once again thank you for your help company address XXXX XXXX XXXX XXXX  va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
See details in Complaint Number XXXX against XXXX. This new complaint is against JP Morgan. 

The reason we're doing a separate complaint is because, according to XXXX, JP Morgan has been in possession of our wire transfer of {$3000.00} ( - {$10.00} transfer fee ) since XX/XX/XXXX. That is the same day we instigated the transfer. The money went to a bank in Florida, who rejected it and returned it to JP Morgan on that date. 

We called XXXX a few days after XX/XX/XXXX and were told repeatedly that it would take " a few more days '' or a " few weeks is normal for international wires ''. After two weeks of this, we requested a trace. That is when we discovered that JP Morgan was also involved. According to XXXX. 

XXXX gave us a tracking number : XXXX. We gave this number to the bank in Florida, that JP Morgan said didn't respond, but who answered our call the first time. XXXX at XXXX ext XXXX, gave us the information that they had rejected the wire and immediately given it back to JPM. We had been told on an almost daily basis that JPM was " trying to find the money '' that they'd made several inquiries and even called the bank. That was clearly a fabrication because it only took us one phone call, using their tracking number, to get the information that the  money had already been returned to JP Morgan. 

XXXX has been telling us, since last week ( XX/XX/XXXX ) that the funds had been returned to them and we could expect to see it back in our account " today or tomorrow ''. They gave us the same run-around this morning. So we called and gave them a stern recap of why we are upset and that we want our money back now, not tomorrow. We were told that the recording of our complaint would be given to " a manager '' at XXXX to evaluate. 

A supervisor at XXXX, XXXX XXXX XXXX ext. XXXX, took over the case on Thursday and she's the one who first told us that XXXX had received the money back from JPM and we'd be seeing it in our account overnight at the latest. When we tried to call her yesterday morning and this morning ( XX/XX/XXXX and XX/XX/XXXX ) she was unavailable or not in. So, after the complaint this morning to " the manager '' XXXX called us within a few hours and told us something truly remarkable : XXXX does not, in fact, have our funds. In truth JP Morgan still has the money and she just found that out. She needs to do a " recall '' and that it will take JP Morgan another 2 days to 2 weeks to return our money. 

For some odd reason, we do not believe a word we are told now. However, in the off chance that they are telling the truth that it has actually been JP Morgan Chase who has our money, then we should send in a complaint that they have been unlawfully withholding our {$3000.00} from us since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I signed up with XXXX XXXX XXXX in XX/XX/XXXX. My payments have always been automatically withdrawn from my account. However, in XX/XX/XXXX I noticed the payments stopped coming out. I tried to contact the company and found that the number wasn't in service. Then I found out that Navient reported to XXXX XXXX that I was delinquent on payments. I was never contact by anyone from either company. After researching with XXXX XXXX I learned that is because XXXX XXXX XXXX changed my contact information to their company in XXXX, TX. I am still researching the multiple TX addresses listed on my credit report. Navient then turned over the loan to the US Department of Education for non-payment. I have now set up a payment plan with them, but the negative affect to my credit has lowered my score to XXXX. My loans also went from {$35000.00} to {$42000.00}. They took advantage of the fact that I have been in survival mode for years. Between losing a job, dealing with my daughter 's father 's XXXX, then his death ... I had to declare bankruptcy, just barely making it yet still paying what I thought was a legitimate company. Come to find out they have taken money, raised my debt, and further destroyed my credit. As I started research I learned that XXXX XXXX XXXX is being sued and investigated as is Navient. I don't know where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a complaint # XXXX concerning Transunion stating a negative item was removed yet it was not. Transunion said on XX/XX/2018 that they would investigate this issue and give me a response. 

I received another Proof of current mailing address request again from Transunion. The first request I received was on XX/XX/2018 ' I am confused as to why Transunion is stalling in removing the negative item from my credit file ( XXXX ). Something they previous said they removed already.

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 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
We submitted every requested documents to Select Portfolio Servicing but it seems that they are asking for documents on a piecemeal manner thus prolonging the short sale process. It appears that they are not seeing the urgency on our case as they will just say that they need another 30 days or for every document that they ask and receive from us. We have a very good offer on hand and there's a tendency that the buyer might walk away because of the prolonged process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This company calls and harasses my home and mobile numbers several times every day from many, many different spoofed phone numbers. I have no - and never have had - any legitimate business dealing with them. I have asked them to stop calling, and they will not give me any information nor will they stop calling. They call all day long, from different numbers, sometimes calling both my home and mobile numbers at the exact same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

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