vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I had problems with a purchase made through PayPal and attempted to resolve it with the company through PayPal " consumer protection '' services. During the process PayPal 's process ; they sided with the Company with little to no research on the matter or in addressing what I said the issues were. The company offered me a 30 % discount and I attempted to change my ticket to mirror this ; however, they would not allow the ticket to be amended and only provided me with the options to cancel the ticket or provide a tracking number. It appears they are acting adversely towards consumers with their practices which I take as deceptive based on their promise to have protections. They would not allow me to open a new ticket to reflect the issue and instead said I had to resolve it with the company. This is a clear violation of 1005.11 ( e ) by not allowing a consumer to reassert a different issue with a transaction when new facts become available. I don't expect a response from PayPal but think the CFPB should look into their practices under EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Step 1 : What is this complaint about? Violations of Rico Statue and State Usury Laws Step 2 : What type of problem are you having? 3rd party debt buyers elicit attempts to collect assumed debt as defined by law Step 3 : What happened? Debt buyers are failing to justify full collection of debt assumed. 

Step 4 : What company is this complaint about? THE FOLLOWING 3RD PARTY DEBT COLLECTORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Step 5 : Who are the people involved? Engaged each party individually to validate debt owed in XX/XX/2018. 

Summary compliant : 3rd Party Debt Buyers 1. Recourse is allowed under the premises the Debt Buyer has assumed total collection authority to recoup original amount owed although assuming the debt at a fraction of the cost. 
a. Debts are purchased as a portfolio of bad debt t ( > 7 % of the original debt owed ) b. A maximum of twice the usury rate can be collected per Federal law i. 27 % interest rate would be permissible in Delaware, as defined by the states usury laws. Midland, as a 3rd party debt buyer to a national bank, was not allowed to charge interest exceeding 27 % without a banking license c. I am now liable to a new company for an old debt. This included my portion of my debt plus collection expenses incurred 2. Without the 3rd party debt buyer pursuing a court action, no justification of the expenses can be made, surmounting to racketeering, reporting debt to all credit bureaus with an attempt to collect usurious interest. ( RICO Statue ) 3. Usury rate of 800+ % over the acquisition price of the debt, if no legal action warrants the full collection amount pursued. 

I am asking 3rd party debt buyers to justify expenses allowing for full collection of the debt incurred. In addition, Im also questioning, if a Debt Buyer has collected an amount greater than twice the usury rate over their acquisition price from other debts in the same portfolio, what justifies their continued pursuit. They would have made their money as they are legally entitled to do. 

Please investigate this matter further

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2018 I contacted Citibank to dispute a transaction on my mastercard. Citibank refused to dispute the transaction and insisted I call back at a later time. I complained and Citibank responded by cancelling my card. They have since agreed to reopen it, but want me to wait seven days to fix their mistake which is unacceptable to me. I have several bills paid each month with this card and need it active immediately. I also need the {$51.00} charged by XXXX XXXX immediately corrected to {$48.00} that I should have been charged. 

Also I was forced to change the user name to access my account online several years ago and want it immediately changed back to the previous user name.

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 2018-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
PHH mortgage was called and a 20 day pay off statement was requested and was faxed to my employment on XX/XX/XXXX. I went to my bank and processed the pay off amount of {$39000.00} and my bank sent the appropriate pay off amount XXXX XXXX overnight on XX/XX/XXXX.The escrow {$6500.00}. I received a letter from PHH dated XX/XX/XXXX it had written " revised '' and it stated that the pay off amount was {$87000.00} plus.This sets an out and out major discrepancy which will result in my not getting my property that i paid in full. I am afraid that these people will not release the lien on my home that I have paid in full. 
I have documentation dated XX/XX/XXXX from PHH that says that the principal balance was {$42000.00}. and the escrow at that time was in excess of {$11000.00}. on the website. I have complained to you about this entity twice in XX/XX/XXXX and XX/XX/XXXX.I have written documentation from the president of PHH in XX/XX/XXXX that stated the principal was {$52000.00} with escrow {$9700.00}. This was corroborated with a letter from the PA department of Banking and Securities. 
Therefore I am not sure why I received a letter saying I owe PHH over {$87000.00} dollar pay off! 
I complained about PHH twice last year XX/XX/XXXX and XX/XX/XXXX due excessive escrow accounts and misapplication of my mortgage payments. 
Briefly I had paid this mortgage so far in advance that in XX/XX/XXXX they told me that I did not have to pay anything on the mortgage until XX/XX/XXXX. I have amortization statement showing the account balance and the schedule of pay off. 
It all started last XX/XX/XXXX when I visited the mortgage website and found a {$17000.00} escrow that was outrageous! PHH artificially stalled the pay off of this mortgage with their bizarre misapplication of excess principal payments and escrow accounting practices. Please review the complaints from XX/XX/XXXX and XX/XX/XXXX. 
I just wanted to pay off my mortgage before i retired.I am so disappointed about how they have treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Identity theft XXXX XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/2015 Amount XXXX Fraud accout XXXX XXXX XXXX XXXX XXXX was removed from credit report then added back on

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 non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
that account was not opened by me. opened XX/XX/13. says I owe {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WAKEFIELD & ASSOCIATES, INC.
State: UT

Complaint narrative:
I took out a loan from XXXX XXXX, or XXXX XXXX, in XX/XX/XXXX. I let the loan default and in XX/XX/XXXX I started working to resolve the debt with the company. At the time, XXXX XXXX had informed me that the servicing and collection of the debt was sent to a company called XXXX XXXX, now known as XXXX XXXX. XXXX XXXX and I began working on the account, setting up a payment plan, on which I made regular installments. In XX/XX/XXXX I made a payment to reach an agreed upon settlement of a total of XXXX paid towards the debt, and they informed me that would be considered settled in full for less than the amount due. They sent me a letter saying as such and I thought the issue was resolved. Shortly thereafter, I received numberous calls and letters from a company called XXXX XXXX XXXX  stating they were the legal collector on behalf of XXXX XXXX XXXX, that they had been hired by XXXX XXXX directly to collect on the debt, that no payments have been made, and my debt was still outstanding. I sent them documentation from XXXX XXXX, they made to effort to correct the error. Following that I contact quick cash directly, who informed me that they have no association with wakefeild and associates in any way, and that they had sent the account to XXXX. I filed a complaint, and forgot about the issues until recently. in XX/XX/XXXX, I was trying to improve my credit and get a loan from a local institution and they asked that I get a release from Wakefield. having forgotten about the situation I called them and inquired about the debt, and was reminded of this. Nothing has been done. Wakefield stated that I still own the debt, that XXXX XXXX is still contract them, nothing has changed. 

I reached out the XXXX XXXX again, they again stated they had no association with Wakefield and that all information was with the collection company XXXX XXXX, the new name of XXXX XXXX. I paid my debt, I don't want to pay it again to a fraudulent company that refuses to listen to reason. Wakefield and associates is either lying out right, or working off of very outdated and incomplete information, and has damaged my credit for the past 5 years as a result. I need help!

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 2018-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: MD

Complaint narrative:
Ive been called by a local phone # XXXX too many times to count dating back to probably XX/XX/XXXX or XX/XX/XXXX. I answered once in XX/XX/XXXX and drew the conclusion that it was a spam caller and asked them to not call again. Calls started back in XX/XX/XXXX and, after denying the calls several times, I picked up the phone on XX/XX/XXXX to remind them one more time I did not want the calls. During that conversation, the lady proceeded to tell me that she was calling on behalf of Frontline Asset Strategies. She said my husband and I opened up a credit card in XX/XX/XXXX and, because the credit card company didnt receive a payment, the account became delinquent in XX/XX/XXXX. She then said it was charged off in XX/XX/XXXX and sold to XXXX XXXX XXXX XXXX. She claims her company is working for XXXX XXXX in order to collect the debt thats owed in the amount of {$3700.00}. She asked me to pay that debt while on the phone with her and when I told her no, she asked me to call her back. I asked for her # and she gave me a number other than where she was calling from. She gave me XXXX XXXX. She said her name was XXXX. I am reporting this as a debt collection scam because my husband and I never opened up such a card, yet her company continues to call. She called again on XX/XX/XXXX at XXXX and XXXX and then again on XX/XX/XXXX at XXXX. This caller needs to be investigated and prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I have called numerous times about an error on my XXXX. The itemized page shows disbursements from my escrow account to pay my property taxes ( as it should ). The summary box on the first page states {$0.00} paid in property taxes, which is problematic. I've been reassured by various personal that my taxes have indeed been paid, but I need to complete my taxes and don't want to do so with out a corrected form. 
Call 1 : Nice person, said the placed a ticket to get it fixed and I would receive a new one. Two weeks went by with no corrected form.

Call 2 : Said they couldn't find any ticket being placed so they placed a new one and it would be emailed to me within an hour of that phone call occurring. 
Call 3 : The next day, no email so I call again. Their systems were down but the rep told me my mortgage had probably been transferred and I'm probably not even their customer. This was incredibly insulting. 1. Freedom Mortgage happily has accepted every single payment I've made to them so I sincerely hope that I am in fact their customer. 2. I'm not a XXXX, in fact I used to audit escrow forms so I believe that I'm slightly more educated on the mortgage servicing process than their average customer. I was incredulous that without operational systems the rep would assume I'm not even their customer. She never even let me finish explaining the full problem. 
Call 4 : Trying again with a different rep who did apologize about the last person 's attitude, placed a ticket regarding the XXXX and I did get one emailed to me within a couple of days, within the promised timeline of that phone call. Except, IT WAS THE EXACT SAME FORM AND NOT A CORRECTED. XXXX! 
Call 5 : Called back and said it's still wrong, they put in an escalation to the manager and  suggested I proceed filing my taxes using the disbursement sum from the itemized page and that I should feel assured I would get a corrected one eventually. They placed a follow up to a manager to call me back as well. 
Manager Voicemail : I was in a meeting so I received a voicemail telling me to call back XXXX.

Call 6 : I call back and ask for XXXX but am never transferred. This person puts in ANOTHER TICKET abut the XXXX and says I'll get a corrected one because they don't see any there open tickets. That was yesterday XX/XX/2018. 
I'm at y wits end, there's clearly a systemic problem with that box on Freedom 's XXXX that's not being addressed. It's likely I'm not the only impacted customer as I highly doubt they are printing these individually. I want a corrected XXXX! It shouldn't take 7 calls from one customer to correct a bank error.

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 2018-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: OR

Complaint narrative:
I opened an account with KeyBank on XX/XX/2017. It came with {$300.00} in bonus for making {$1000.00} in direct deposits and five billpay or debit transactions in the first 60 days. I made {$1000.00} in direct deposits, but now they are claiming that it had to be in a single transaction. That would be very misleading, since that has never been how any bank bonus has worked in my experience. So they are basically telling me if I made a million direct deposits in the first 60 days of {$990.00} I wouldn't get their checking bonus. That is very deceptive wording and very misleading to customers who expect deposit amounts to be cumulative and not transaction based. I contacted KeyBank Corporate and they said I had to contact the branch and when I contacted the branch they said I had to talk to corporate so I got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am currently in a lower payment plan with Navient, but in a month that is going to change. It took me months last year to get into a lower payment plan with them, as they told me I did this with them once. I explained to them I have other loans and they are not the only ones. I do not make a lot of money to be able to pay a lot each month. I am not sure as to why I have such hard time with company, as I know many people do. I originally had XXXX who was alawys such a help, until they sold my loan to Navient and I wasn't aware until I received bills from Navient. Is this allowed with out my knowledge? Since XXXX is still servicing loans? If I would have know having private loans would be so difficult to maintain or receive help from I would have never have gotten any. The school financial aid department DO NOT explain anything to students. I was XXXX when I started going to college and I was never explain such information, other them getting student loans is a great thing, which clearly its not. I do not know how people going into school now will be able to afford going and paying off loans. If i would have known now what I know then I would have never have went to school. I know Navient has a law suit against them, is their anything with the law suit that will help me? and is there any resolution to the law suit?? Navient is not a help at all, I would advise people to NEVER have a private loan and NEVER with Navient as they DO NOT help anyone and can careless. I have had countless conversations even with supervisors who told me that it is what it is and they can careless if I can afford the payment or not. I have tried so hard to get help in assisting paying these loans and their is nothing they will help with. Their customer service department is horrible and they are so rude, I've even been hung up on and yelled at. Please get back to me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern : XXXX XXXX had requested a security freeze from your entity. He had spoken to various members of your staff. Equifax had stated that it had sent XXXX XXXX a copy of his pin. XXXX XXXX has not yet received the pin to his freeze. I have asked XXXX XXXX to fax an " Intent To Sue '' notice. I am attaching this notice to the complaint. XXXX XXXX will formally send this notice through the form of a facsimile. If Equifax does not comply with XXXX XXXX 's request, it will be ordered to pay for all of XXXX XXXX 's attorney fees, court fees, and penalties under the Fair Credit Reporting Act. Equifax has 5 days from receipt of the " Intent To Sue '' notice to contact XXXX XXXX and resolve the issue. Failure to do so will result in a subpoena being served to your company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank recently completed a disastrous upgrade to their online banking. 

When I logged in to their updated website it showed incorrect contact information, specifically a XXXX area code phone number I previously requested be removed from my account over a year ago. 

I followed the process to update this phone number, but they sent a confirmation stating that my address has been changed. 

I spoke to a XXXX XXXX that told me this was just a generic message. However, I just got my most recent TD Bank statement dated XX/XX/2018 and the address has reverted to my old address. The XXXX phone number still appears from my account and they did not remove it as I had requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I had a monthly payment of {$45.00} due to income based repayment. When I was close to graduation the company changed the payment to {$1500.00} a month. I had applied for income based repayment but they had not processed the paperwork. I sent the paperwork in XX/XX/XXXX. They did not inform me the paperwork was not received until XX/XX/XXXX. My payment went from {$1500.00} to {$21.00} for 2 months, then it was put in forbearance. In addition, they consolidated some of my loans but not others. I was told all loans would be consolidated to correct the company 's error in XX/XX/XXXX. I started to receive a $ XXXX monthly bill for one loan in XX/XX/XXXX. I received a {$310.00} bill for a different loan in XX/XX/XXXX. You write and you are told that department can not help you. You call and you wait on hold for 45 minutes to be hung up on. If you do not talk to the same person, you do not get the same information. There are no records of anything and there is no explanation as to why a payment would increase to 10 times what you paid before when your income did not increase.

Company response to consumer: Closed with explanation