vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
I have file Pro Se civil case regarding this at XXXX DISTRICT OF WASHINGTON, XXXX. 

Case # XXXX I plan to serve the complaint on defendants in the next two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery calls XXXX of times per month from unique phone numbers attempting to collect a debt. They refuse to provide proof of debt or divulge any information about the origin of the debt. There is also XXXX record of any potential debt on any of the XXXX credit agencies. This " debt collector '' is a scammer attempting to collect debt that is either so outdated that it is past any statue of limitations, or not actually the person that they 're attempting to collect from. 

I am an extremely detailed watcher of my credit reports, so I am 100 % confident this is not a valid debt whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Numerous phone calls at work even after I have stated that I am not allowed to receive personal calls as well as threats in regards to showing up at my job and contacting my manager directly. I have provided the hours that I am available after work and they are closed during those hours so they told me that they will continue to call me at work and leave harassing phone messages on my work voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
The company calls portraying a law firm and threatened to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They keep calling me at a phone number that is not mine. And I do not know how They came to that phone number of its not registered under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been contacted by this company Portfolio Recovery Associates at my accounting office for a debt for someone of the same name, but a different social security number. The person actually lives in another city. This started in XXXX. ON XXXX XXXX I was contacted XXXX times. Again on the XXXX of XXXX and now today the XXXX of XXXX. I have cooperated with them each time providing my personal information and asking them to remove my phone number. Again I did today, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Portfolio Recovery has not fully addressed my issue of validating the debt they seek to collect. They have provided a total of three statements which do not display how the final balance was accrued. I paid this account in full via ACH payment with the original creditor, prior to closing the account due to billing disputes, unauthorized charges, and dissatisfaction with the company 's level of customer service. In the statement printed XX/XX/XXXX it displays a balance of XXXX. The final bill printed just 4 months later ( XX/XX/XXXX ) has a balance over 3x as much as the balance in XX/XX/XXXX but there are not any statements in between these dates. The company has failed to properly validate this account to collect the amount they are attempting to collect. 

Additionally, the company is violating the FDCPA by re-aging this account from the date they acquired it versus the date that it was originally opened and the date the original creditor reported as my last payment. XXXX reports this account was opened in XX/XX/XXXX and the last payment in XX/XX/XXXX, however ; the debt collector is reporting the account was opened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I have owned my land line phone number since XXXX 2015. In that time from XXXX 2015 to the present time, I receive up to six calls from Portfolio Recovery Service every week and sometimes four calls in one day. I block the number on my telephone but they have so many different numbers they call from, it is not possible to keep all the blocked numbers in my phone. I absolutely have no debt owing, and have never been delinquent in terms of financial monies owing. The first few times when I did answer the call, they were very aggressive and would not even provide their personal details, except to tell me I owe them something. 

Following is a small list of some of the phone numbers they are calling from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Please help me stop these harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I need your assistance please in having a fraudulent account removed from my credit before I take legal action. I have contacted Portfolio Recovery Associates for about 6 months now about an account I discovered on my credit. I have contacted them via certified mail 5 times because I wanted to have proof of receipt. They have received my dispute but have failed to get back to me in 30 days which is what is required by the FTC as it relates to the FCRA. I have actually waited 5 months and the account remain and they are responding to the credit bureaus but ignoring me. I was never contacted before the account was placed on my credit. 

Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
This debt originated as a XXXX XXXX credit card in XXXX and was discharged by a XXXX XXXX attorney in XXXX XXXX via XXXX XXXX Court ( Civil Division ). XXXX, a Portfolio Recovery Associates represented, called me this morning ( XXXX XXXX, XXXX ) and responded to the statement above by saying " this account was reopened by PRA in XXXX XXXX therefore I am still liable for an unpaid balance of {$1100.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I had a XXXX XXXX Secured XXXX. The Card was opened XX/XX/XXXX. I put down a {$150.00} Security Deposit towards the secured card. XX/XX/XXXX I was 120 days late and owed {$160.00} XX/XX/XXXX. Without any notice XXXX XXXX applied my security deposit towards the balance of my account XX/XX/XXXX. XX/XX/XXXX I logged into my online account and made the required minimum payment due of {$160.00}. XXXX XXXX did not tell me my account was closed or that the security deposit was applied to the balance. XX/XX/XXXX the balance was XXXX. XXXX XXXX sold this account to Portfolio Recovery Associates. I have disputed this debt with XXXX XXXX, PRA, and all XXXX credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by XXXX XXXX and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that XX/XX/XXXX I was 150 days late when XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off XX/XX/XXXX despite the fact the account was brought current XX/XX/XXXX. XXXX XXXX and PRA refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I requested Portfolio Recovery Associations LLC to stop calling my home several years go but the company never stopped. The alleged debt is a medical bill over 6-8 years old past the statue of limitations. The company is data mining old debt and harassing families for a profit. The allege debt by XXXX XXXX XXXX XXXX sold the debt to Portfolio for penny 's on the dime and the debt is beyond the state of Florida statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I called in to make payment on my accounts, I asked about interest on one of the accounts and the male rep got hostile with me, I asked for his supervisor and the male supervisor got on the line and had the same hostile tone. At no point did either representative read me the mini Miranda. Also, when I asked to speak with another manager, the current manager hung up on me. I have all of this on recording. I called back a second time and tried to explain what just happened and got treated the exact same way and he hung up on me. During the call he refused to provide me with his name and the names of the XXXX previous representatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
My mortgage is serviced by Caliber Home Loans. On dozens of occasions I have received email and mail marketing solicitations from their originations unit, encouraging me to refinance. On at least five occasions, I requested to be removed from their marketing list electronically, to no avail. I then called a representative and asked to be removed, again to no avail. Finally, in XX/XX/XXXX, I emailed XXXX XXXX, Caliber 's SVP of Strategic Growth whose signature graces every solicitation. I received a letter back on XX/XX/XXXX apologizing and confirming that I had been removed from the marketing list, and cautioning that I may receive one more mailing. Over the past few weeks, I have since received multiple additional letters in the mail. Today, I received a letter dated XX/XX/XXXX, weeks after I received written confirmation that these annoying letters would stop. 

My right to opt out is guaranteed by the Gramm-Leach-Bliley Act. Either Caliber 's process is unable to comply with my request, or they are willfully ignoring my request. Either way, it 's time the federal government knew about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: HI

Complaint narrative:
My last year of XXXX. I became so XXXX, that I was only able to see, XXXX a week, which paid my rent, but in no way allowed me to make a dent in my massive student loans. I applied for a medical forgiveness, but was turned down. Interest and penalties have raised my debt from about XXXX out of school, to almost $ XXXX. I was contacted by them and offered a payment plan of {$50.00} a month, which was do-able. In the XXXX month, they sold my debt to another bank I guess, and they demanded payment in full. Barring my winning the lottery, I do n't see anyway I will be able to pay this off. 
For the last 18 years, I have worked at an XXXX here in Hawaii, helping XXXX. I have taught XXXX, and will continue to try and help as long as I still have breath. But this huge debt is smothering me. I get debt collector calls all the time, at all hours, sometimes at XXXX. I know that is illegal, but have no idea how to pursue that. Is there any relief, or forgiveness channels available to me? Any new laws in the pipeline that might include bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery Associates still is contacting to collect a debt via phone after sending them a court ordered letter that the charge had been dismissed and no further action to be taken. They still contact me stating that they are threatening litigation which they ca n't for the same charge twice. I 've asked them to stop calling based on FCRA rules and they still keep calling me weekly. They say its their company policy that any request has to be made written and that they will keep calling and I am responsible for this debt. I have all court documents showing otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account has been closed twice in under 3 months by Chase. I was charged fees for not maintaining a minimum balance because the bank ( Chase ) withdrew money from my account. I have not had access to my money for nearly 3 months and now I can not access my money and I am refinancing my house tomorrow and this is causing difficulty in me being able to make the payment to complete the refinance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I get as many as XXXX calls a day from cardholder services. 
Some on my cellphone different numbers and ignoringdo not call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We need Legal Forms For Constitional Laws Business and Cooperates complaints on businesses must be made. We have the $ amount that we are paying. Send asap the fees to this company. I have credit card and am awaiting For the money to be released from www.chase.com

Company response to consumer: Closed
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We have learned that JPMC acquired the banks but it was not a " Merger '' so therefore this was not a Financial Qualified Contract. When WAMU collapsed, JPMorgan Chase became the servicer. When we made queries about the new owner, JPMorgan Chase claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to XXXX XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. XXXX then flipped it to another subsidiary of their company. When we called the FDIC and the XXXX, they XXXX referred us to CFPB because this is all debt collection. Additionally, we learned that Washington Mutual Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for WAMU and Chase and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We have attempted to wire money to a escrow account for two days without success. 
The first transfer attempt failed because the account number was improperly submitted, the second attempt we were told was a failure to initiate the transfer after the account numbers were corrected. We have traveled more than XXXX XXXX miles in an effort to correct the problem, plus have made several phone calls without the problem being corrected, just promises that were that were not kept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XXXX, I opened a " healthcare '' acct with Chase with promotional financing. They closed that portion of their business in XXXX, I believe. In XXXX, I managed to finally pay off the entire amount before the end of my " promotion. '' A few months later, I was cleaning my office and found my very first statement from that account. I went online to look at the rest of my statements and could only go back to XXXX XXXX. I then asked repeatedly for the statements from XXXX XXXX XXXX and then from XXXX XXXX XXXX. I received copies of the missing statements. Later I received " copies '' of my statements from XXXX XXXX XXXX. Immediately my account was removed from online access. Well, I actually already had my statements from XXXX XXXX XXXX. The statements I received from Chase were " different. '' So my promotional financing had been to " PAY OFF MY PROMOTIONAL PURCHASE BALANCE IN FULL BY THE PROMOTION EXP DATE TO AVOID PAYING ACCRUED DEFERRED INTEREST CHARGES. '' The " NEW '' copies no longer had the " promotional financing '' written on them because ... CHASE NEVER DEFERRED my interest thus it NEVER ACCRUED. So I ended up paying {$1500.00} in interest, TWO EXTRA YEARS of payments approx {$3600.00}, & working extra hours while I was in school to make those payments. Well I would have actually been okay with Chase just refunding me the amounts and admitting their mistake, but then they decided to commit " FINANCIAL FRAUD. '' I made a complaint on XXXX and their representative, XXXX XXXX, tried to tell me how I did not understand how the promotion worked. Well I consulted around and then noticed my paypal credit statement. SURPRISE!! I knew I was right. AMAZING how a XXXX DOLLAR company would rather commit a Federal Crime, I believe the FBI label it as " WHITE COLLAR CRIME and FINANCIAL FRAUD '' instead of just admitting their mistake and paying the accidental overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened several personal 7 month personal CD accounts for my minor relatives at Chase NA on XX/XX/XXXX in the amount of XXXX each. The accounts were moved to the XXXX Comptrollers abandonded Funds Account. On XX/XX/XXXX I went through he process of locating my funds for the XXXX accounts. XXXX of the accounts were delivered in full when the grown up minors processed the request. In one of the accounts the amount returned from the abandoned funds account ( XX/XX/XXXX ) was XXXX instead of the full amount of XXXX. We have not been able to get an answer as to what happened to the balance of our money. I never took any withdrawals so I do not understand how my money was reduced and returned to me as a XXXX check from the NYSComptroller Abandoned Funds Account. I put XXXX into the CD on XX/XX/XXXX with standing instructions to " credit to CD and at Maturity, add it to the Principal and renew XXXX. I never took any withdrawals so I do not understand how my money was reduced and returned to me 0n XX/XX/XXXX as a XXXX check from the NYSComptroller Abandoned Funds Account.I need to get the balance of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called Chase on XXXX XXXX to convert my Chase Freedom card to a Chase Freedom Unlimited. While on the phone with the Chase rep, he told me the conversion was completed. It is now more than a week later and the card still has n't been converted. I 've called twice during the week ( once on XXXX XXXX and again on XXXX XXXX ) to find out the status and both times the representatives told me the conversion should have completed but that " they are n't sure what 's taking so long. '' Chase what is happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have been trying to sell my home for XXXX years after being turned down by Chase Bank to help with our monthly payment. After XXXX years of waiting for a buyer we finally have someone that wants to submit a fair offer on the home but Chase 's refusal to provide a copy of the new appraisal is holding up the file. That 's all we need to proceed with the buyer 's offer to Chase Bank. Can you please help with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello XXXX XXXX here I deposit money in my account so can setup my birthday vacation.I was able too book hotel but when book cheap airline ticket chase block payment 3 time .I call them a get answer we seen you using your debit card so we block it.It m y money an telling me can, t spend it too setup vacation.they unlock card again i tried got a higher price airline ticked they block it again.I call them an only we sorry we seen u using your an locked your card.now i vacation coming up on XX/XX/XXXX can not airline ticket an all ready paid for hotel.Chase try tell me how too use my own money.took year too get a vacation an money an blocking from using my own money.

Company response to consumer: Closed with explanation