vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK

Complaint narrative:
XX/XX/2019 I was looking for an installment unsecured personal loan. XXXX XXXX from ace cash Express sent a verification form link to my email. It was actually a XXXX form which didn't redirect me to a website. They asked for my bank username and password for verification. I don't give that kind of information out, nobody should. So he called and I missed it. I called back and talked to XXXX at XXXX-XXXX-XXXX  a XXXX XXXX Texas number. He kept trying to get my username and password. I told him I didn't need a loan that required that. Later a phone from California called from XXXX-XXXX-XXXX. He had a strong XXXX accent but could understand he was ace cash Express trying to get my username and password again. Hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Premier Student Loan Center
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX requesting information to see if I qualify for Income Driven Loan Repament of my student loan. I provided them with my information and they told me I was approved. Several emails were exchanged including documents regarding the repayment. I asked if I needed to contact XXXX and they said no, they would contact them. Additional emails were exchanged regarding repayment amounts, etc. On XX/XX/XXXX, I called XXXX to update my back account information. They said they have not heard from XXXX XXXX XXXX  XXXX or any such company on my behalf regarding my student loan. The operator at XXXX suggested I contact your company as it sounds like a fraudulent company. I ceased making my student loan payments to XXXX as they required and made monthly payment of {$190.00} to XXXX XXXX XXXX  XXXX. My student loan was not delinquent when this started as I was not having trouble paying it back. Please let me know what additional information you need from me as in emails I can forward, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
I XXXX XXXX THIS IS MY MEDICAL DEBT BUT MY INSURANCE PAID THIS OUT AND IT DONT SUPPOSE TO BE ON MY CREDIT REPORT AT ALL AND IT NEED TO BE REMOVED IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
XXXX I had a payment due for approximately XXXX, I normally pay online. I was locked out of my online account when trying to pay. I later logged in and scheduled two payments last one was withdrawn XXXX. Next payment is due XXXX. My account was not even 30 days late and they were calling every day while I was at work and calling my job. I never had a chance to call them back to find out why they were calling like my account was months pass due. I then got a letter in the mail dated XX/XX/XXXX demanding the full payment of the loan in 15 days and being threatened with court. I will never borrow money from this place again and my loan amount is even incorrect because they added an additional cost that I did not authorize and I request to be removed. I will be filing a complaint for abusive and illegal collection practices and collection of unauthorized charges on a loan document.

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 2019-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I XXXX XXXX HAS NO CONTRACT WITH THIS COMPANY THESE ARE THE FOLLOWING ITEMS THAT IS ON MY CREDIT WITH THIS COMPANY. 
XXXX XXXX / XX/XX/XXXX - XX/XX/XXXX XXXX XXXX   XXXX /XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I hereby submit an answer to a lawsuit that is completely baseless. XXXX XXXX XXXX is currently defending against several class-action lawsuits nationally. The lawsuit against me is no different as the original debt in question was never legally transferred from a securitized trust, thus there was never a transfer of ownership. This continuous problem is all predicated from the 2017 Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX. The lawsuit against me must be dismissed by the XXXX XXXX XXXX lawyers Pressler, Felt & Warshaw, LLP, a law firm that has already been penalized by the CFPB for filing abusive collection lawsuits in New York and New Jersey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I hereby submit an answer to a lawsuit that is completely baseless. Midland Funding LLC is currently defending against several class-action lawsuits nationally. The lawsuit against me is no different as the original debt in question was never legally transferred from a securitized trust, thus there was never a transfer of ownership. This continuous problem is all predicated from the 2017 Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX. The lawsuit against me must be dismissed by the Midland Funding LLC lawyers XXXX, XXXX XXXX XXXX, XXXX, a law firm that has already been penalized by the CFPB for filing abusive collection lawsuits in New York and New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Hello not sure of the Exact date it was around the first part of XX/XX/XXXX, I received a Call from Chase inquiring about an balance on {$670.00} from an checking account i opened in XXXX. I didn't dispute anything as i knew i owed the charges. I asked the lady if i could counter the amount and pay {$400.00} as a settlement amount. The agent agreed and took my bank and routing number for payment which would of begun immediately. I also received a letter in the mail stating if i pay the {$400.00} by XX/XX/XXXX the account will be consider paid. Payments were to begin immediate and after a few weeks i did not see any charges coming out my account. I called the agent and asked what was going on and we went over the bank and routing number to make sure it was recorded correctly with the agent. She advised me then that they only take certain kinds of checking account numbers from traditional banking accounts as i had given them my information from my prepaid debit card i had with a non bank. The agent advised they couldn't go back and honor the agreement and i was fully responsible for the original charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I XXXX XXXX HAS NO CONTRACT WITH THIS COMPANY AND THEY PUT THIS XXXX XXXX XXXX  XXXX XX/XX/2019 ON MY ACCOUNT AND I HAVE INSURANCE AND ALWAYS HAD IT AND THIS DOES NOT SUPPOSED TO BE ON MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern Ever since Chase Bank took over this loan. Chase been tried so hurt to still the property from. I got this loan in XXXX, the loan is adjustable, after 10 years the loan was suppose to turn in to fix rate. But Chase Bank always refused. cording this loan only interest suppose to be lower them fix. Chase Bank is been increase the rate three times per year with out notify me. 
my payment back on XXXX Was {$1000.00}. But I always pay {$1400.00} every single, for the month, on XXXX I ' only paid {$1000.00} for the first time, my payment is due on the XXXX of each Month with the grace period of 15 day ; s. I made my payment on XX/XX/XXXX what ever was on the statement, since XX/XX/XXXX the Bank was ask me to paid {$2400.00} I pay {$1400.00}. XXXX thy ask for {$2300.00} XXXX {$1900.00}. XX/XX/XXXX {$1800.00} XX/XX/XXXX another {$2400.00} XX/XX/XXXX {$1800.00} those people they don't know what they are doing. I need Chase Bank to Refund a late charge of {$62.00} and removed from the credit beoru for the Month of XX/XX/XXXX. On XX/XX/XXXX I paid  {$1400.00} and I ' Paid {$65000.00} for the principal plust {$1400.00} My loan was in the amount {$210000.00} after I paid the large amount know, know the loan {$140000.00} know they want me to pay {$1300.00}. but is wrong My new payment it should be around {$830.00} be last that amount. please I realy need some help with those crook they always want to still my property however they. 

Thank you so much They information is Chase Bank Loan Number # XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My email is XXXX My phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I need to file a complaint with your office about Equifax credit reporting Agencies On XX/XX/XXXX I filed a lawsuit in court on the Above Company. for Failure to Respond to a consumer dispute with in the time allow which is 30 days per the FCRA On XX/XX/XXXX court date the Judge in XXXX County Minnesota Found the Defendant Equifax guilty of the FCRA violation! Court case # XXXX per the FCRA if any of the reporting company or such agencies failure to complete an investigation the accounts or such trade lines must be Deleted I recently reviewed my credit report with the listed company above they are still reporting all of the accounts that broke the law on from the start On XX/XX/XXXX! Also as of today they are still in violation of the FCRA. Equifax just Will not Learn But I will Tell you this Much if the Tradelines are not removed by Midnight On the date of XX/XX/XXXX I XXXX XXXX XXXX Will File Yet another suit on the above Company! I promise you people are way out if Line! CFPB you and FTC needs to do more in your roles about these reporting company this is why they Do it because you guys dont do your Jobs as well I mean you see these Violation and yet you do Nothing! But for the burden of proof I will not set around and Take Equifax or anybody else XXXX   after speaking with a Lawyer the Other Day he stated Well keep on suing them and I promise I will Equifax XX/XX/XXXX at Midnight or I will see You back in District court for a mush much larger settlement promises! 
Remove the accounts you lost your chance to report these tradeline because you failed to do your Job per the FCRA ARE YOU NOT ALLOWED TO REPORT THESE ACCOUNTS ITS NOT HARD TO UNDERSTAND! 
1 XXXX 2 XXXX 3 XXXX XXXX XXXX 4 XXXX 5 XXXX 6 XXXX 7 XXXX XXXX  8 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX  / XXXX 10 XXXX XXXX   11 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OK

Complaint narrative:
Hello, I received a call from Enhanced Recover Company. The young lady stated they were collecting on an XXXX bill from XXXX in the amount of {$190.00}. She reference my mothers address and that is the address i no longer reside at. I advised i cant remember that far back and advised i don't recall ever having XXXX Service at All. She started asking me question about fraud and if anyone has opened any accounts in my names. I asked her to send me a debt validation letter which i received on XX/XX/XXXX. The only thing that was on the letter was the creditor name last 4 of account number that all. Their was no phone number no list of charges or any plan information that would identify the account was mines at. I don't recognize this account and indeed why would i get a call almost 7 years later about this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Every month I send Capital One a check for the regular monthly payment, and I include a separate check for XXXX $ clearly labelled PRINCIPLE ONLY. They then take a portion of that XXXX $ PO payment and apply it to an additional monthly payment. I have contacted them 3 times and they will not stop doing this. I don't see how this is not theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I tried using a Bank of America XXXX XXXX prepaid card I had received, but noticed that the card had expired. I logged on to the website listed on the card to see if I could have a replacement card sent to me, only to notice that the transaction history listed a {$80.00} " Expired Card Fee '' ( equal to the full balance of the card ). 

I called in to see if this was a mistake, and it was explained to me that once the card expired, all funds were forfeited to the bank. After escalating the call to a supervisor, I was advised that there was nothing they could do, no matter who I spoke to. I explained that I had never had this kind of experience before with previous cards, and that worse case scenario, I expected maybe to have to pay a replacement fee. Even if this was listed in their Terms & Conditions, this practice seems incredibly deceptive and potentially illegal.

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 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my 3rd attempt contacting the Federal Trade Commission and the CFPB to help remove the unauthorized credit inquiry on my credit. I value my credit to the utmost ... Please DELETE this immediately. 

XXXX XXXX on Equifax XX/XX/2017 XXXX XXXX  on XXXX  XXXX/XXXX  These are unauthorized and I want them deleted immediately. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my 3rd attempt contacting the Federal Trade Commission and the CFPB to help remove the unauthorized credit inquiry on my credit. I value my credit to the utmost ... Please DELETE this immediately. 

XXXX XXXX on XXXX XX/XX/2017 XXXX XXXX on Transunion XX/XX/1017 These are unauthorized and I want them deleted immediately. 

Thank you,

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 2019-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was scammed by cash app. I had XXXX took out of my bank account. Someone called my phone acting like customer support from cash app and got my debit card number. Once I woke up all my money has been drained from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: STATE FARM BANK, FSB
State: PA

Complaint narrative:
State Farm Bank has had incorrect contact information for me for years, making it so that I have NEVER ONCE been contacted about any past due payments, collections, etc. The company has also been giving my financial information to another person without my knowledge or consent. I contacted them to update my contact info over a year ago and nothing was changed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I submitted a complaint with CFPB on XXXX, complaint number XXXX-XXXX on capital one.On XXXX capital one responded that they needed more time to work on issue.On XXXX capital one called me at XXXX and the lady handling the complaint XXXX-XXXX told me that she really couldn't find paperwork from XXXX 0r XXXX but relied on a recorded phone calls from XXXX and XXXX.I told her can you provide me and CFPB with any evidence of those conversations as well as any paper work that says that capital one didn't agree taking off the negative/closed accounts ( trade line ) off all credit reports when I paid them off.She said she couldn't provide any details with me or CFPB.I told her I disagree with you on your findings.I told her if you/capital one denies my complaint you must give details of your findings.Therefore, I disagree with this lady/capital one handling complaint number XXXX-XXXX is lying.Originally she needed more time on complaint cause she couldn't produce any information or paper but did make up/lie on recorded conversations.She said im sorry, but she took the proper steps and unfortunately cant help me.She is lying

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
The company is XXXX. I had XXXX for about 12 years maybe more but in 2017 I took my phone into the store to get it fixed however because my contract was over the clerk insisted that it would be cheaper for me to just get a new contract. I said no at first because I was already in the market for a less expensive monthly payment. The clerk was very adamant on how my monthly payment would be way less then I was currently paying. Because I had been with XXXX for so long, I agreed, thinking that I would be paying less. my first months bill was way higher then what I normally paid with the old phone and after 2 more months of high charges. I decided to go back to the store and cancel the contract. Of course when I got there they had a different attitude.. there was no way I would pay less the clerk said and my only option was to cancel the contract and turn in the phone. a couple of month later I started receiving calls trying to collect on the price of the phone and the early cancellation of the contract. The manager of the store took the phone from me but yet they want to collect on a phone I returned ... they want to collect on a contract that was falsely sold, just so the clerk can get a commission. They reported me to the credit bureau. shame on XXXX! they should be reported too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In early XXXX I opened a Citi Checking and Savings account under their offer similar to the one seen here. ( The offer dates are different in the page below but the terms are the same ) https : //banking.citi.com/cbol/checking-400/default.htm? BT_TX=1 & ProspectID=F216997A8DDF4A5F8855F94BE805F736 The offer was as follows. 

Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds between the new checking and savings accounts. 

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 

After all required activities are met, the {$400.00} bonus will be deposited to your account within 90 calendar days! 

I met all of the above well within the 30 days of account opening. I have waited over 90 days for the {$400.00} bonus as well as attempted to contact Citibank to resolve the issue. No one responded to my attempts to contact so I am filing this complaint. It is my understanding that many others who opened accounts for this same bonus are having similar problems.

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