vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My daughter sent us a quickpay in the amount of {$1900.00} on XX/XX/2016, after the day my account did n't show the deposit so i went to Chase to check, talked to one of the representative. They can not resolve the issue, we have to call Chase main office, i was told that someone has the same email address and already receive the funds of {$1900.00}. As i know, in order to send the Quick Pay, we have to provide the account of the person you want to send the money to. Now Chase wants us to make a claim in order to get {$1900.00} back. I do n't know anything about the regulation but i feel that the consumer is not going to have peace of minds if banking instiutions such as Chase are so careless about giving our money to just anyone with the same email account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Wells Fargo Bank 's attorney XXXX used fraud to push through a settlement agreement that was not jointly drafted and an agreement I never agreed to, as evidenced by his signature on the attached settlement agreement that does not include my signature. 
The statement that, " This Agreement isentered into and executed voluntarilyby each of the Settling Parties hereto andwithout any duress or undue influenceon the part of, or on behalf of, any such party '' which was signed by Wells Fargo and their respective attorney XXXX or XXXX is a false claim. 
Please see the attached executed settlement agreement without my signature, and my Opening Brief asking the XXXX for a ruling on fraud, and the environmental report establishing further remediation is necessary. 
XXXX assisted fraud is still fraud, and XXXX also failed to comply with the terms of the written agreement that they themselves drafted following the settlement conference. To be clear, I have never been paid any settlement fund proceeds by Wells Fargo Bank, and I did not jointly draft or agree to the settlement agreement attached. Their fraudulent acts left me in a contaminated living environment that is injuring my health as evidenced by the environmental report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I was threatened with prison time, having XXXX warrants filed by XXXX, was told that " I 'll bend you over XXXX '' " the best you ever had '', was told that I have violated federal and state laws, will be prosecuted for check fraud, multiple threats and told that they will destroy me! The debt was sold by check into cash, and I want them held responsible. The collector/ " attorney '' gave misleading and false information. Someone needs to be held accountable for their actions, please help ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Fleet Financial, Inc.
State: TX

Complaint narrative:
In XXXX XXXX I refinance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I refinanced thru a different Credit Union. I emailed and called to cancellation of my Gap Insurance for a refund. I am still awaiting my cancellation form to cancel for my refund. I cancel my XXXX refinance and Fleet Finance agree to cancel but have yet to send XXXX XXXX XXXX it money back for cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: National Recovery Solutions, LLC
State: KY

Complaint narrative:
Received repeated calls from this company, at work, even after telling them XXXX times to stop calling me at work. When I called them back to tell them ( again ), the person told me I was going to be summoned to court for a payday loan debt, but could not tell me where the payday loan was borrowed. She merely stated that it came from XXXX XXXX, and Identified herself as from " NRS. '' I asked her to send debt verification to my address, and she said they would be sending me a court summons. Once again, I never verified anything but my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: State Collection Service, Inc.
State: OH

Complaint narrative:
This medical bill was paid to another collector and Ohio XXXX has been unable to provide an accurate statement that it is a valid charge. I told State Collector to return the collection to Ohio XXXX and they have not sent the disputed charge back to Ohio XXXX. It is not a valid collection and should be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc.
State: AZ

Complaint narrative:
I purchased a house in 2005 for {$140000.00}. XXXX XXXX owned XXXX mortgages, XXXX for {$110000.00} and the other for {$29000.00}. A couple years later I applied for loan modification. I was told by XXXX XXXX representatives to discontinue making payments while they reviewed the application for remodifying the loan. The loan modification was approved and I began making payments under the modification. Several years later I received a call from XXXXfci saying I was behind in mortgage payments. They explained that unbeknownst to me XXXX XXXX sold them the XXXX mortgage. I questioned why they took years to contact me. No calls were made, no bills were sent and no notice was given me that the loan was serviced by another company. During that time late fees and interest had accrued. I do n't know the legalities but if I feel this is an unfair practice ands has implications on my credit which I am steadfastly trying to repair.

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 2016-05-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: ARC Services
State: TX

Complaint narrative:
Threatened to report on mine and my husband 's credit, very rude continued collection calls, and demanding voicemails

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Solutions To Portfolios, LLC
State: WI

Complaint narrative:
I have been contacted by a collection agency on behalf of XXXX. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given SPP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP
State: FL

Complaint narrative:
Servicer will not record loan modification documents with county clerk. Documents were executed on XXXX/XXXX/2015. I have told many times by the servicer the documents had been sent to county recorder on the same date ( XXXX/XXXX/2015 ). I have went to recorder 's office and called repeatedly, they have no record of receiving documents. Loan mod is not legal if not recorded. It has been over two months, there is no reason this should not have been completed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from AMSHER COLLECTION SERV I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION SERV in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
On XXXX - My debt is listed 2 times. 
I have always been covered by health insurance so this should had been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SIMM Associates, Inc.
State: SC

Complaint narrative:
This company is calling all family members and friends and harrassing them with continuous calls at all hours. I have no idea who they are and I do not owe that amount they told to my mother. I do n't live with her and the gentlemen on the phone told her all private information about me. She was n't aware of this and felt threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
Simms and Associates a debt collection company has called me no less than XXXX times regarding an alleged collection for my daughter XXXX XXXX. 

I have informed them each time this is not her number, I have no involvement in this claim and in fact they will not disclose ANY information to me about it as they acknowledge that I am not party to the transaction and they can not disclose any information to me, yet they continue to call. 

Each time they insist they have never called me before, today I said, " then how do I know who you are and what you are calling about. " Each time I have asked them to stop calling yet they continue to call me. The latest call was today. 

My daughter has spoken to Simms and Associates approximately 3 months ago ( so yes they have been in contact with her directly ). She asked them to send her a letter with proof of the debt and explanation of the debt. Their response was they already sent it, however, she has received no such letter or information to date. She asked them to send the information and it still has not arrived. 

The person I spoke to today was aggressive, insistent about getting personal contact information for my daughter, refused to provide ANY proof they have a valid reason to contact her, and denied the firm has ever contacted me before. 

I told them they are violating the law by continuing to contact me and harass me. She insisted they are not violating the law by contacting me about a debt I am not a party to. She did say they would remove me from the list, BUT they have said this the last XXXX times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This is a debt that is from XX/XX/2005. XXXX XXXX insured a motorcycle that was totaled in an accident. They reimbursed me for the motorcycle loss. I no longer had a motorcycle at that point but they continued to auto bill my checking account for a motorcycle that no longer existed. Not to mention that this is 11 years old. Now out the blue this company called Credit Control Services just starts to report this to my credit profile and they expect me to pay them. I did not owe this debt then and I do not owe it now. My credit score dropped XXXX points just because of this company 's dumb actions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My fiancee and I filled out, but did not submit and application for a Capital One 360 checking account. The website, in fact, timed out and logged us out due to inactivity. When I received an e-mail stating I had applied for and been denied a checking account, I immediately called Capital One 360. Capital One 360 stated there was no way such a thing could have occurred, and I had nothing to worry about because the inquiry does not show up on any reports. The inquiry showed up on both my and my fiancee 's XXXX reports. My fiancee has, to this day, received no notification she had even applied for this account. We both disputed the inquiry with XXXX. XXXX has found Capital One 360 's inquiry valid. My complaint is that I no longer feel safe using Capital One 360 and am weary of any other internet banking service. Neither me, nor my fiancee submitted an application for this checking account. We began the application to find out whether the account could be opened without the overdraft line of credit as we had no interest in such a feature. The webpage logged us out for inactivity on the final page of the application while we read the fine print pop up for this account and compared it to other checking accounts. We never clicked submit on this application. Somehow Capital One 360 's website pushed the application through while logging us out for inactivity. This error, juxtaposed with Capital One 360 's denial of the possibility of an error, makes their online application process deceptive and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
had late payment reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
WESTERNUNION ALLOWED THEM TO COMMIT FRAUD AGAINST ME BY NOT MAKING AWARE OF THE SCAM THEY ALL KNEW IT AS THEY LAUGHED. THIS IS VIOLATING THE DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: OK

Complaint narrative:
This Company continues to call and harass me after repeatedly asking them not to call me while I 'm at work. They continue to call and hang up when I ask them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am with a debt consolidation company. Kohls has been made an offer to settle my debt but has not yet accepted. In the interim they have been calling my previous residence occupied by my husband ( separated XXXX at XXXX and midnight.Most recently on Tuesday the XXXX. 
Are they allowed to call this late? My husband and son have been awakened on several occasions and I feel it is bordering on harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have explained to the Company that I did not open this Credit Card and was not mine. Explained to them that I had contractors, construction workers at my home at the time, but could give any names, as I am not for sure who opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I recieved a letter from capitol one concerning a application for a credit card. This application was NOT submitted by me. I called capitol one and talked with XXXX on XXXX/XXXX/2016 and informed her I did not apply for credit.XX/XX/2016 recieved letter confirming that application was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I called Capital One Mastercard on about XXXX/XXXX/2015 to request an interest rate reduction and spoke with XXXX ( ID # XXXX ). Shortly thereafter, I received notification that our mailing address was changed. This was performed without our consent by " XXXX '' and after confirming with Capital One, our address in fact had stayed identical. 

As a result, their website refused to accommodate my request for a payment due date change, making it impossible for me to extend the due date of my {$4700.00} balance, because the statement closed the day after I attempted to do so online. 

Despite this egregious error, Capital One refused to correct the error and enable the date change on the website. Furthermore, they refused to extend the due date on my ~ {$4700.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, I have a kohl 's credit card, and last month I paid my account off in full online, Two days later they made an attempt to charge my bank account the same amount again. It caused me an overdraft fee of {$35.00}, so I tried calling them and asked them why they would double-charge me. They claimed that I authorized those XXXX payments which is n't true because I did n't owe Kohl 's anything.to pay on they even wanted to charge me a returen check fee which a manager said later that she wont

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I changed phone numbers and apparently someone else who previously had this number must have been a member of the XXXX ABC Financial finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
A massive problem ; I had a dispute with a copy in XXXX. They said, if I would end the dispute they would refund me. The issue is I do not know if I can trust them. I told this to the capital one agent who called. She said she would three way me on the phone at XXXX today. I see she already reversed the dispute without my permission and I am very upset. I do not like liars and I have gotten a lot of them from Capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi my Name is XXXX XXXX I received a call from capital one 360, he was trying to collect a debt which he said was past due of XXXX or XXXX and last XXXX payments were on time..This is a check debit card the balance is {$210.00} it was over XXXX. this is the first time this has .also he said i was XXXX days behind. i need help. thank you account XXXX the phone where they called from is XXXX.

Company response to consumer: Closed with explanation