vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
The third party collection agency name XXXX XXXX left threatening voicemails to myself and my family members about an old debt saying if I don't contact them they will come to my home and arrest me. How rude and to top it off this debt went to bankruptcy and they also have the wrong year I took the loan out. They should of called the place that I took the loan from first and confirmed the date I took it before calling and leaving nasty messages that were unnecessary. This is a Third party collection and had no legal right to call my family members. 

P.S. Loan was taken XX/XX/XXXX NOT XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: OR

Complaint narrative:
Dear CFPB, I am requiring your assistance in resolving a fraudulent attempt to collect a debt not owed. This letter is in no part, an admission of debt owed and may not be used against me at any point. I had an account with XXXX XXXX water services and cancelled service in or around XX/XX/2017. I was preparing for a move across the country in XX/XX/XXXX. I had already had plenty of water and told them to cancel billing upon making my last payment. I had them collect my water jugs before making my trek across the country in XX/XX/XXXX. I never received a letter outlining the reasoning for this collection of the debt nor a statement of it's validity. However, if I did receive such, my account records would reflect no debt ever existed. Since noticing this negative remark on my credit report, I've tried to resolve this matter with the collections company. I've received harassment and endless calls from various numbers. The nefarious manner in which these criminals have attempted to collect a debt not owed has been extremely suspect. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried for the 1st time to CANCEL my account XX/XX/2018 @ XXXX XXXX. CANCEL XXXX is the subject line. I got a confirmation. I will still being billed and called and was told it'd take a month or two to correct and refund. 

AGAIN XX/XX/2018 @ XXXX I sent a follow-up email. " asked that my account be canceled on XX/XX/18 and I am still being billed. Please refund my hard earned dollars as of that date '' AGAIN I told it'd take two months however ALL my monies would be returned. HOWEVER THEY ARE STILL STEALING MONIES MONTHLY FROM MY ACCOUNT. 

I call monthly. Last month my account was overdrawn! I go onto the site to get the phone number and call and I get the same response it'd take two months. Two months has turned into OVER 6 MONTHS of billing.

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 2018-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Resource Systems, Inc
State: MA

Complaint narrative:
I will attach all my correspondences with United Resource Systems , Inc whom I allegedly owe {$4800.00} to. As you will see, I have offered on numerous occasions to settle the amount allegedly owed in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. On every occasion, they have either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially at XXXX hours on XX/XX/2018. You will see that their company attempted to communicate with me via telecommunications during the dispute process. You will also see that after time has expired to exercise equity in redemption, they post dated a response to fall within the time frame, forgetting or failing to realize that the electronic delivery method leaves a time stamp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: IL

Complaint narrative:
I got a call XX/XX/XXXX saying how I am approved for loan forgiveness and if I'm interested press 2 or  something like that. I was very hesitant to trust them because you hear of scams happening all the time so they sent me a whole bunch of emails proving to me that they were real. The deal was I was supposed to start paying them {$190.00} a month for 6months then my loan payments would go to {$10.00} a month for 10 years, I believe. They were going to handle everything from XXXX company and my Federal student Aid. I had to give them passwords so that they could have the information to contact them. If I was going to get anything from XXXX I was supposed to forward it all to this company. I got a text message yesterday XX/XX/18 saying oops-you missed your due date. make a payment today at XXXX msg & datRatesMayApply. text STOP to stop texts. I would have paid that no problem if I knew I had to pay them. I called XXXX XXXX at XXXX to talk to them about my concerns that I may have been scammed. I was checking my account for XXXX to make sure that I didn't owe them anything and that this premier student loan center really did take care of it. It showed on my account that I didn't owe XXXX   anything during these months. to me that made me feel reassured that everything was ok. When I talked to the lady this morning, XX/XX/18.18, she said they were contacted saying that I was having trouble paying my monthly payments that I needed a forbearance. I never called and told them that. that is why it looked like I didn't owe them anything during the months I was paying this other company, premier student loan center. The lady went over all my information and there was a lot of things wrong on my account including, extra phone numbers that were not mine, address that wasn't ' mine, and email address that wasn't mine. We updated all of that. I called my bank and made sure that I don't want any payments going to this XXXX XXXX XXXX account XXXX XXXX XXXX. The lady I spoke to also gave me direction to contact CFPD. I have changed all of my passwords and stopped payments already but I don't know if they are going to come at me with anything. they took audimatic payments from my debit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 all {$190.00} so a total of {$790.00} is what has been paid to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Freedom card allowed charges in excess of the credit limit for a billing cycle. I feel the charges should have been declined. Credit limits are there for a reason, there was no emergency. They could have simply called. I think it is bad business practice and that consumers can be hurt by credit card companies allowing these charges in excess of the limit. Some consumers may not be able to pay these amounts and be in real debt. I am disappointed by them allowing the charges and further how they handled it when I spoke with them. I have been a Chase customer for a long time, usually they are good at monitoring and stopping charges, but they failed this time and didn't seem to care. They are not willing to do anything. 
I have bank accounts and credit cards with Chase that I may decide to close in light of how this situation has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried to call Experian over the phone at XXXX XXXX XXXX and I could not get in touch with any live person that could help me that is why I am filing the dispute threw CFPB. There is a high balance of XXXX reported on my discovery card and on other credit reports such as XXXX  I saw high balance of XXXX in the month of XX/XX/XXXX. This is incorrect high balance and current balance for the month of XXXX billing cycle. The correct balance and high balance for XXXX is XXXX that will be sent to Experian in the next few days. The problem with XXXX or XXXX balance it is over the credit limited of XXXX and that is not my closing statement balance. This is XXXX account XXXX open XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Bank of America has illegally reported me to the Credit Bureaus for late payments. These payments are not late and have been paid. They have forced me to pay for expensive flood insurance. In addition, they have threatened me with foreclosures. They have consistently increase the monthly payment from the fixed rate. Almost doubling the payments.

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 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i called chase spoke to a nasty woman in disputes told her the XXXX on my card XXXX was for dog flea collar unopened XXXX  refuses to credit. 
i told her its likely the worker but i wont be out XXXX dollars she asked if receipt said it cant be returned i said no then when i mentioned i have legal knowledge she offered to transfer me i told her no. WHY do this WHY not help a valued customer? its XXXX bucks. 
i have been a customer many years i called since i received no paper in the mail why be treated this way? i did try to resolve with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The bank is charging me for a bank error they made by changing my bill pay payee after I sent payment. They changed the vendor name and address to an incorrect payee. When notified about it they responded quoting their bill pay agreement : On page 9, section B ( i ), titled Description of Services it states, By providing us with the names and account information of those Payees to whom you wish us to direct payment, you authorize us to follow the Instructions that we receive through Bill Payments. You further authorize us to update or change any of your Payee information ( including but not limited to changes to account information, Payee name and mailing address ) as requested or provided by your Payee, the U.S. Post Office or pursuant to any updates or changes through other tools and resources we may use from time to time to effectuate the Bill Payment. 
The issue is that the Payee did NOT request the change, the US Post Office did NOT request the change and the bank will not provide me with any information as to why the change was made. They also ignored my first notarized affidavit and have required me to fill out another one and send it in. In the meantime I have had to pay the vendor bill twice and am out my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Sent money in the amount of {$10000.00} to daughter using PayPal on XX/XX/2018. Transaction number XXXX. My bank shows that money was withdrawn by Paypal and PayPal shows pending on an echeck send but no funds were ever received by my daughter and PayPal can't seem to answer where the money is. It's been 10 days and I would like the transaction canceled and the funds returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I originally took out student loans with Sallie Mae for my 4 years at XXXX, XX/XX/XXXX-XX/XX/XXXX. After graduating sallie mae became Navient. Because I was not able to make payments due to financial hardship they gave my loans to a debt collector, XXXX XXXX. Starting in XX/XX/XXXX, once I had a stable job, I was able to set up a payment plan where I paid XXXX a month until I would be able to come up with a lump sum of XXXX to settle my loans. To date I've made XXXX in payments to XXXX XXXX. Despite this, Navient has reported my account as delinquent every month and I have not been able to raise my credit. I've contacted Navient about this multiple times, most recently XX/XX/XXXX and they keep informing me they no longer have my loan and transfer me to various debt collectors who also say they do not have my loan and transfer me back to Navient. XXXX XXXX has informed me that my account is in good standing with them, and they do not know why Navient keeps reporting me. My credit report says all of my Navient accounts are closed, so I do not understand why they continue to be reported as delinquent. I have filed a dispute with XXXX and I am waiting to hear back. I just want to make sure that this situation is investigated thoroughly because at this point I feel like I throwing away money and any effort made to improve my credit has been futile. I'm sure you understand my frustration in this matter and I'd appreciate any information you can provide. Thank you, I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My identity theft is not being taken seriously and was not included in any reporting that USAA did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my USAA auto and property insurance company starring they would cancel my insurance because of what USAA REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a postcardstating that I recently closed on a mortgage with JP Morgan Chase and that I needed to contact the entity regarding an important matter regarding the loan. A phone number was given along with a mortgage id # I did not call the number and a disclaimer at the bottom of the postcard stated that the information provided was not affiliated with JP Morgan Chase. A copy of the postcard is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I received a notification from my credit reports that I have a new collection. I checked into it to see who and what it is from and the collector is Commonwealth Financial. I have not received any phone calls, letters, or anything attempting to collect a debt. I searched the Secretary of State website of Texas to try and gather more information, however they are not licensed to collect in Texas. They are claiming that I owe {$92.00}, to whom I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
I just found out I have a huge debt with XXXX XXXX, in XX/XX/2018 I had payed XXXX bucks to the account because of some late fees. To my knowledge the account was in XXXX dollars. Recently I just found out I owe them {$190.00} and called them to ask them why. The credit card is from hot topic and I don't even use it at all, last time I did was last year, so they told me I had still left to pay an amount of a dollar and fifty something cents. And since then, all the late fees they applied got my account up to almost 200 bucks. A card I don't even use and an amount I didn't knew about. I called them up and told the lady I don't know when I can pay that amount because right now I'm unemployed. She insisted on me telling her a date which I couldn't as I told her more than once than I can't tell her when, because of what I just said. So she automatically set me up a date this XXXX, which it seems I have to pay. I just find it really unfair that from just a dollar and a few cents I have to pay almost 200 bucks which I don't have and from a card I haven't used much at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I used a prepaid American Express card called Bluebird on XX/XX/2018 to pay for a deposit on a rental car while my insurance company paid for the actual rental. My account with XXXX XXXX XXXX was closed 5 days later when the car was returned without damage on XX/XX/2018. I contacted both XXXX and Bluebird a week later when the hold of {$57.00} was not released. I was told by a Bluebird customer service rep that XXXX needed to have their merchant service provider perform a manual release so they could remove the hold. I did that twice. XXXX stated today that their policy is to hold the funds for 30 days, always. They said although the merchant service provider may issue a manual release, the Bluebird system does not recognize it and will always hold the funds for 30 days. I believe they are fraudulently refusing to let their system accept a manual release in order to collect interest on the money of millions of customers for 30 days regardless if they funds have been released by the merchant. They stated their contract allows them to do this. I believe this contract is fraudulent and wrongfully allows them to withhold funds from cardholders. I have spoken with at least 7-8 customer service reps and their supervisors, each with a different story. Two-three said the funds will be released in the XXXX and the last person I spoke to today says the XXXX. Regardless of the date, the whole process is wrong. They do not accept any automatic or manual release of the hold on the card if used for a car rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I wanted to purchase my lease car from XXXX XXXX XXXX. I went to my bank Chase, and took out a loan for the vehicle to include the pay off amount and sales tax - this was through Chase Auto Finance. I was quickly assigned the loan and started making payments, but Chase did not send the check to pay off the car until it was past due, even though they told me they had everything. Now they have sent the check to pay off the loan but will not send the sales tax amount of XXXX - I keep calling and sitting on the phone with them in conference with XXXX and they agree that they will send the check. Then they do not and I receive a call from XXXX saying they can not transfer the title. I do not know what else to do. I have ask several times and the tax amount is included in the loan I am paying on.

Company response to consumer: Closed with explanation