vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc.
State: FL

Complaint narrative:
Lately I have been receiving numerous back to back calls from Valentine and Kebartas. I called back today because I have paid off one debt and was notified that I had another. Today alone there were two back to back calls at XXXX and there were others within the past few days from other numbers. I spoke with someone earlier today and was informed of the debt and stated that I would be calling back in a short time frame to settle my debt. This was earlier than the repeated calls this evening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I canceled my auto pay option for my Dovenmuehle mortgage on XX/XX/18. Then i manually paid my mortgage on XX/XX/18. On XX/XX/18 the auto-pay tried to take the money out of my account anyway and the payment was declined. XXXX gave me a XXXX dollar return fee even though I had paid my mortgage on time. When i called in to have the fee waived i was told that even though i made my mortgage payment on time that they would not consider waiving the fee unless i submitted a written letter to their review department. I feel like assigning an undisclosed fee to a customer without giving them ample opportunity to avoid the fee is deceptive and designed to profit off the customer without their consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Total Card, Inc.
State: PA

Complaint narrative:
I have the first access credit card by total visa. I have had this card for over 6 months and have paid my bill every month. I asked for a credit line increase even it was a small one and the last three times they refused. I make enough money I am trying to improve my score but I cant do that with the current limit that I have. I have been a good customer they need to raise my limit. I am frustrated that they used computer software to determine approval or not. What happened to the old fashioned person looking at the account. I am disappointed and frustrated with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX Getting a fraud alert doing something I do almost every day and for which there is supposed to be a note in my file. Citibank is marking my XXXX purchases as fraudulent. I buy a lot of books.almost every day because I read a, lot of books. 80 this year so far. So this is NOT unusual activity on my account. And when I called about it they wanted data I had already input. SS number, pin, account number, atm card and my password. Plus my mother 's maiden name. Only 2 of those should have been enough for something they never should have denied in the first place.

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 2018-05-09 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: CA

Complaint narrative:
On XX/XX/XXXX I was charged by XXXX XXXX for {$3000.00} The services to be rendered was to provide businesses that were actively looking for financing. Leads that were not valid had a return policy with no contract and claims of easy cancellation. The {$3000.00} was prepaying for leads not yet received. Very quickly I realized that the leads were fake and the company had a reputation for selling bad data and bad leads. I immediately sent emails and called the company to cancel our account and discontinue receiving leads. The company either didn't respond or continued to pass me to different departments or people that I needed to speak with. Ultimately as I continued to call the phone number for the company was disconnected and felt there was no other avenue to cancel other than through the credit card ( Chase XXXX ). I began my dispute with Chase. I had several calls back and forth with Chase going as far as three-way conferencing XXXX to show that the phone number was disconnected. They assured me this was a very simple matter and that it would be resolved quickly. On XX/XX/XXXX I received the first official written response from Chase that XXXX claimed that the charge was valid and that I had never canceled the service. The supporting document that Chase sent to me that I have copies of are completely illegible. On that letter that was dated XX/XX/XXXX they gave me a deadline to respond by XX/XX/XXXX which is obviously impossible as the date of the letter was after the deadline. I called Chase again and express my worry that the date of the letter and the date of the deadline didn't match up, and that the supporting documents that XXXX had provided was completely unreadable, and had no way of responding as I did not know what it was that was sent. I was told that they were handling it and not to worry about the mismatching dates. On XX/XX/XXXX I received a letter stating that they had completed research of the dispute and ruled in favor of XXXX. The provided documents did not have any logical response to the fact that I was not able to cancel as I was not able to reach anyone by email or phone through repeated attempts. I called Chase who told me that this was normal and that I simply needed to fax them a letter stating that I would like to reopen the dispute. I did so immediately. On XX/XX/XXXX I received a letter stating that because the original charge was too old they had closed the case and there was nothing I could do about it. I am not after repeated attempts with Chase to get further explanation on the timeline and mistakes contacting the CFPB to help with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have contacted NavientXXXX XXXX regarding incorrect reporting to the credit bureaus after review of my credit file I have found there are numerous inaccuracies which is resulting in my credit worthlessness being presented in a negative affect. There are XXXX late payments that are inaccurately and incorrectly reporting. During the time period these items are showing past due I was a active full time student. I reached out to a representative in XXXX and was advised the reporting would be corrected didn't realize it was not corrected until my paycheck was garnished. And the loan was showing defaulted which again should not have been. I reached out to Navient once more and was referred to XXXX there I started working with a manager by the name of XXXX XXXX she requested that i contact my schools registrar to get a record of all your dates of at least half-time attendance. After receiving this she advised that she would be sending the information over to both Navient and XXXX funds ( who was now involved because they were garnishing my wages ) She advised that everything was updated and removed yet the information is still reporting. Below are the accounts that are still currently reporting late XXXX times to XXXX XXXX  and XXXX 

Account # XXXX Navient Solutions/XXXX XXXX XXXX Balance : {$870.00} reporting late : XX/XX/XXXX - XX/XX/XXXX XXXX Balance : {$3500.00} reporting late XX/XX/XXXX XXXX XXXX Navient SolutionsXXXX XXXX Account # XXXX Org Balance : {$1300.00} Navient Solutions/XXXX  XXXX Account # XXXX Org Balance : {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made money transfer from my Bank Of America account using XXXX to a person using their phone number who claimed to be a travel agent. I made 3 transfers, 2 on XX/XX/XXXX for amounts of {$1100.00} and {$600.00}, and third on XX/XX/XXXX for {$500.00}, totaling {$2200.00} for 2 flight tickets. After the money was transferred, the person was unreachable on phone but was active on text messages and that my flight booking was in progress. He also sent me couple of temporary booking on airlines for the flights requested, and one including his credit card payment of a small nominal fee to HOLD the reservation for 3 days before confirming. Since then, there have been only email exchanges and reservation was never made. After I made my own reservation, email thread started in regards of returning my money but that has not happened till date either. I filed a complaint with my bank and they went to the extent to tell me the recipient has a " US Bank '' account where the money was transferred but can not file a fraud or refund the money since it was initiated via XXXX by me. 

I ended up paying {$600.00} more for the same tickets ( since the price went up in the time being ) and never got my original  {$2200.00} back.

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 2018-05-10 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: CT

Complaint narrative:
Paypal has denied claims in the amounts of XXXX and XXXX for item ( s ) not received. I have disputed the two transactions which took place on or around XX/XX/XXXX from a " XXXX XXXX ''. The person was supposed to send two videos, failed to send and stopped replying to messages via XXXX messenger. As I've explained to numerous Paypal reps and again here, lots of scammers use XXXX messenger to facilitate and run their scams as is the case here. Paypal claims to have received " evidence '' of sent items, one Paypal rep referred to a tracking number which he did not provide and is bogus. The items were supposed to be delivered via email or text, there is no such tracking number which would show something sent either way, text or email. Paypal refuses to do to anything and refers back to bogus evidence, they also refer back to account ( s ) which are not mine. They insist I had an account in XXXX, it appears to be someone with the same name, possibly a relative. Paypal has been sued in the past with regard to their transactions, please refer to XXXX v Paypal in which they settled for claims denied. I have forwarded information to attorneys in that case. They need to refund the charges or they will continue to receive complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Terrill Outsourcing Group
State: WA

Complaint narrative:
This complaint is in regards to XXXX XXXX. This company has called me from the number XXXX a few times since obtainingy account with them. If I do not answer my personal phone they then called my work phone on XX/XX/XXXX they were advised verbally by our phone call not to contact my work phone number as I can not take personal calls at this number. They have called a couple of times prior to that on both phones but I do not have those dates unfortunately. On XX/XX/XXXX I received a call from XXXX from XXXX XXXX and I was not able to take this call but someone else did and took down a message from them. Not two minutes later I got a call on my work number after they were advised I can not take personal phone calls at that number. I let the gentleman on the line know again onXX/XX/XXXX around XXXX XXXX  not to contact my work phone number again and he ignored me and began talking about my balance owed. The gentleman on the line began raising his voice as I told him I can not pay anything currently nor can I commit to something at this time due to financial hardship and he said he was not there to hear about my burdens just there for business. They stated this was the last time they would call before they sent my account back for refusal to pay. My wife then took over the call and their supervisor got on the line and wanted to set up payments. My wife asked for a letter regarding the payment arrangements first and they did not want to do that and they said they simply did not want to send something out for a {$25.00} a month payment plan. So we advised him to send it back then because we want something in writing. He stated that something was sent in XX/XX/XXXX but we had not recieved it and he stated that we threw it away. They were demanding payment by the end of this month and that is something we could not do and would not without something in writing first and they would not provide it. Each time this company calls they yell and threaten that they have just today to get this resolved before it goes back to the original creditor. I spoke with the original creditor and they stated they are not expecting anything back regarding this account with them. Please get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Single mother w no help. Fell behind on payments. Called multiple times to get hardship or to settle account. Constantly told i do not meet criteria even though i have no employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 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: MO

Complaint narrative:
On XX/XX/2017 and XX/XX/2017 credit inquiries were made without my consent. Customer service wouldnt help to remove these inquiries reporting to my credit report.

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 2018-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: FM

Complaint narrative:
On XXXX I checked my credit report and found BYL COLLECTION SERVICE XXXX XXXX XXXX, XXXX XXXX, PA XXXX reported a bad debt for the amount of {$190.00} that I never herd off. This debt has never been presented to me and I don't understand why it is on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: WA

Complaint narrative:
This complaint is in regards to XXXX XXXX. This company has called me from the number XXXX a few times since obtainingy account with them. If I do not answer my personal phone they then called my work phone on XX/XX/XXXX they were advised verbally by our phone call not to contact my work phone number as I can not take personal calls at this number. They have called a couple of times prior to that on both phones but I do not have those dates unfortunately. On XX/XX/XXXX I received a call from XXXX from XXXX XXXX and I was not able to take this call but someone else did and took down a message from them. Not two minutes later I got a call on my work number after they were advised I can not take personal phone calls at that number. I let the gentleman on the line know again on XX/XX/XXXX around XXXX XXXX not to contact my work phone number again and he ignored me and began talking about my balance owed. The gentleman on the line began raising his voice as I told him I can not pay anything currently nor can I commit to something at this time due to financial hardship and he said he was not there to hear about my burdens just there for business. They stated this was the last time they would call before they sent my account back for refusal to pay. My wife then took over the call and their supervisor got on the line and wanted to set up payments. My wife asked for a letter regarding the payment arrangements first and they did not want to do that and they said they simply did not want to send something out for a {$25.00} a month payment plan. So we advised him to send it back then because we want something in writing. He stated that something was sent in XX/XX/XXXX but we had not recieved it and he stated that we threw it away. They were demanding payment by the end of this month and that is something we could not do and would not without something in writing first and they would not provide it. Each time this company calls they yell and threaten that they have just today to get this resolved before it goes back to the original creditor. I spoke with the original creditor and they stated they are not expecting anything back regarding this account with them. Please get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received a letter from this company demanding that pay them and to my knowledge I have never done business with this company or entered into any agreement to pay them for services or goods rendered

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: Credit Karma, LLC
State: FL

Complaint narrative:
I just filed a dispute with XXXX. a few of my accounts which I paid off and have a XXXX balance they are still showing I owe that balance. how can this be dealt with improper information which it effects my credit and it's been a good two weeks since these payment balances were made. A few of the accounts show a XXXX balance but there are others that don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Ive been a customer with Capital One since XX/XX/XXXX. I started out with a secured account and was offered an unsecured account. I got the XXXX account and within six months my limit was increased due to good payment history. In XXXX, I had identity fraud on my checking account with XXXX XXXX and it was restricted by them after my payment was scheduled, so XXXX XXXX blocked all incoming and outgoing transactions. Capital One tried twice to pull my money out of my account, but XXXX XXXX rejected the transaction twice so Capital One restricted my account and closed it. 
I decided to open a Capital One 360 checking account with a balance of {$250.00} and figured that would be easiest to make payments from this account. The account info provided by the representative on the phone with the 360 department was incorrect. They provided me with my savings account number instead of checking, and thats the information I used to make a payment with Capital One. The payment was returned and Capital One didnt notify me again. I called in to let them know it was a mistake and showed them my positive balance in that account, again to a representative who didnt care to hear more. I then uploaded secure documents to the online portal for them to do an investigation to determine if my account can be reopened. 


This is after years of exceptional payment history and no returned payments. I provided Capital One with proof from XXXX XXXX that it was their error, and a bank statement showing my account balance that was sufficient enough to cover the payment, but XXXX XXXX restriction is the cause of this. Capital One didnt give me a chance to make the payment again, didnt alert me that my account was closed and theyre making me jump through hoops to see if my account can be reopened. Theyre telling me that theres no guarantee my account will be reopened even though I had no control over this situation. Their fraud department is a joke and they dont advocate for the customer. Im disappointed because Im XXXX and this will mess up my credit rating, as well as cause me to move to another company if my account is not reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: TX

Complaint narrative:
My name is XXXX XXXX Phone # XXXX I am filling a complaint against Experian regarding XXXX XXXX # XXXX. 
The date of last activity was XX/XX/2008. This was a foreclosure and is still showing well after the stature on my credit. It was removed from the other 2 bureau but still showing on Eperian. I am trying to get a mortgage and need to understand what's going on. Please explain why u are allowing a account older than 7 years remain on my account. 

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 non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Saddleback Acceptance Corporation
State: CA

Complaint narrative:
The company saddleback acceptance repo mycar in 2014 nd was sold but they are still reporting to the bureau companys that the payment is still late i no longer have the car so how is this possible my score goes down 20 points every month this is a nightmare and very unexceptional false information how is this company able to do this.the account is a charge off and is closed but just reported that it went up {$60.00}

Company response to consumer: Closed with explanation