vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have 2 complaints regarding Conn 's. My first complaint, is repeated phone calls starting the day my account is due through date payment is made. I may receive 10 calls, if not more in one day. I try to answer them all, and when I do there is no one on the line. I have asked the to call, leave a message and I will call back as soon as I can. However I have been told that its an automated system and there is nothing that can be done to limit calls. I am in the process of getting my call records to determine exact number of time they call me. 

Second complaint, I have a defective product I purchased. I have repeatedly asked about my options, it was not until a few days before my warranty expired they finally sent someone out to look. The repair person did not find anything wrong but " reinforced structure '' He also explained because of the type of sofa it would sink in the middle and told me to call customer service back if I was not satisfied. After being transferred back and forth, given wrong information and being persistent, now they are sending someone else out or my other option is to do a voluntary repossession, but still make the payment. I bought the sofa, for my daughter as a gift, a single person that works a full time job and is also a XXXX, and is rarely at home, so the sofa does not have a lot of wear and tear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 two unauthorized transactions occurred at a XXXX XXXX vending kiosk using my debit card information, which had been stolen. These transactions were for {$940.00} and {$1100.00}. I immediately contacted my bank, Chase, to alert them of this. I question why they did not alert me, due to the fact that these purchases are outside of my normal pattern and I have this feature on my account. Indeed, I never buy expensive electronics and never use XXXX XXXX vending machines. At the time that I alerted them, Chase refunded the money to my account. Subsequently, they took the money back, saying that because the perpetrator used my PIN number, they were not going to refund the money. This is a clear case of theft, and my bank has been unresponsive.I am positive that there must be other such cases involving Chase and other banks. 

My claim number with the bank is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group keeps putting new collections on my credit report when I already have payment arrangements with them. 
For one these shouldn't have went to collections, they were to be paid by insurance, so I am fixing this. Secondly I am making payments in an arrangement with you guys even though I shouldn't be because insurance should pay it ... But Im doing my part so I don't know why they keep putting new items on and I have not even got notices for them. 
I mean honestly. Im trying my hardest, to resolve this and this is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
account : XXXX BofA CC they charged me a XXXX dollar bounce check fee. they are unwilling to tell where this " check '' is coming from. they have hung up on me 3 time. i asked them to reverse the charge and to tell me where the check is coming from so i can investigate. I don't understand why the refuse both my very basic requests. it is especially funny because they say there actually was no check. kind'a a head scratcher ... they need to return the the XXXX, make sure no other fees are going to be charged my account and stop accepting " checks '' from whom ever is sending BofA these thing. still don't know who that is. everything i've learned so far suggests this could be a accruing situation. time might be of the essence. please help, XXXX XXXX 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 monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I took out XXXX private student loans several years ago. I had retained an attorney ( see below for address ) who assisted me in paying debts to other loans. In the two year span working with the attorney, they never heard from XXXX. XXXX never returned phone calls, nor could my attorney find out who ( at this time ) actually owned the loan. I was just served with a civil suit for payment which amount and date do not match anything I have on file. The amount and date are not reflected in my credit report either. I don't actually know who owns the loan now and why they waited so many years before filing suit? 
XXXX XXXX XXXX ( attorney I had retained from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Civil Suit : XXXX XXXX XXXX XXXX XXXX/XXXX  justice court Gurstel Law Firm XXXX XXXX XXXX XXXX XXXX, AZ XXXX On the summons it says : XXXX private credit Student Loan XXXX XXXX XXXX Total amount {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I called Discover because i was previously on a payment plan and i was told once it ended i would have use of my card but learned today that the account would be reviewed monthly to see if i qualified for use of my card so i told the rep i would like to cancel my account but i have questions b4 completing the cancelation. While asking my questions, the call dropped and she canceled my account without calling my back to confirm if it was ok to go forward with the cancelation. I called them back the same day and they're telling me the account can not be reinstated although i never finally agreed to the cancelation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid off my capital one card and closed this account in XX/XX/2018. all the other credit card companies have been wonderful to work with except for capital One. I was approved for a debt consolidation loan from my bank in XX/XX/XXXX which collected all my statements and mailed out checks paying off my credit cards to a XXXX balance. I DID call all of my credit card vendors informing them they would be receiving a check in the mail to pay off my cards. all my credit cards were paid off in full except for capital One who is being very difficult and not working with me about interest charges or late fees. I did pay my bill on time every month. There was a holiday in between the checks being mailed out and I wish they would have put it in my account so I could have paid these bills off online but that is not how it worked. I called capital One to explain the situation they told me once I close my account all the interest and late fees would betaking off and I would have a XXXX balance which I do have a letter in the mail from capital One saying that I did have a XXXX balance. They now have it on my credit report that I owe them {$71.00} and then charging me late fees and interest charges still to this day over this credit card that was paid off and closed in XX/XX/2018. I do not owe them any money. I called and close this card in XX/XX/XXXX and I am still getting interest charges in XX/XX/XXXX and XX/XX/XXXX and late fees of XX/XX/2018. I have tried to call them 3 or 4 times and they are very argumentative and not wanting to do away with these charges that I do not owe. please can you do something about this credit card company that does not work with anyone trying to get out of debt. I'm sure the calls are recorded and I know there is one that is recorded saying that the representative told me there would be a XXXX balance after this amount in XX/XX/XXXX was paid off and when I close my account in XX/XX/XXXX that I would have a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I have sent numerous requests to this company regarding the failure to provide me the past due amount they state I owe along with providing me my CAR TITLE for a vehicle that was paid off in XX/XX/2012. Department of Motor Vehicles law states failure to provide the title within the 30 days after loan is paid in full results in an automatic {$25.00} penalty, plus another {$25.00} for each month the title is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EXPERIAN IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX XXXX XXXX   NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.

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 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC
State: LA

Complaint narrative:
I got a call from XXXX XXXX XXXX about a debt they said i owed. I asked them to send me a paper bill and i would get it taken care of. The lady on the phone started yelling at me saying they had sent me a bill. I explained I had never received the bill and i will not pay without a paper bill. Not sure of the actual date Now on XX/XX/18 within 1 hour i have received XXXX calls on my cell phone from this same person which I am at work and will not answer. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX. AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.

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 2018-11-21 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: Innovis
State: AR

Complaint narrative:
XXXX  IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
The XXXX years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: Nelnet, Inc.
State: OR

Complaint narrative:
I have filed repeated requests for my annual student loan income based repayment plan and submitted the required documents to my servicer, Nelnet.

Nelnet keeps " losing '' my documents and refuses to process my request. They give no explanation why and will not escalate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I almost realized that I am paying almost two cars with this line of credit. This was not what I agreed upon at time of signature. Almost 50 % or more of everything I have been paying are to satisfy interest, not the principal, besides this company charges an absurd and abusive fees with increase their gain to the sky! So dishonest and unfair! I feel desperate and frustrated as I already tried many different times to get my money applied for the contract that I signed for, not this abusive mal practice. I am filling this complaint in a hope to find a resort for my complaint with this agency. 

Kindly Regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
on XXXX XX/XX/2018 my checking account was frozen and all my funds too, i wasn't able to pay my rent, my insurance, my phone bill and even buy food because i have all my savings in this account and also my military service connected payment for a XXXX XXXX. 
when i contact the bank they said that some body file a claim against me because i received a quick pay transaction for {$300.00} dollars and the sender said that he or she did not authorize this transaction. 
after a couple days i went to the bank branch and they agree to let me withdraw money at the branch with assistance, but i wont have access to my account or use my debit card for 45 days. the reason why i am doing this complaint is that the amount of money for the claim is only {$300.00} dollars and the bank is holding my total balance witch is over {$25000.00}, and my military XXXX payment too. 
this situation is causing me a lot stress and frustration and also the bank did not pay the checks that i use to pay for my daughter uniform causing a {$25.00} dollars fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION RESOLVE MY RCENT COMPLAIN AND DO NOT REMOVE THE ITEM THAT WAS MORE THAN SEVEN YEARS IN MY CREDIT REPORT XXXX XXXX # 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 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The 7 years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.

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 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The 7 years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
A Few years ago XXXX was informed informed that XXXX XXXX and I were no longer together and that the debt my solo debt. They were also informed that they did not have permission to contact him any more about this debt. They were also informed via letter to cease and desist contact, since they were rude and were attempting to collect late fees on a debt. The Original Lease was a prorated rent and the Apartment complex charged late fees even after the Manager agreed that final bill I received was the final bill.. there has been added 650 $ additional.

They contacted XXXX XXXX today ... His voice mail is clear that it was NOT my voicemail and the number was some how reentered into their system. And they told XXXX they were collect debt of mine. Which is a pure violation of personal information violation. The voice mail is saved!

They also keep saying I am refusing to pay the debt even though multiple attempts have been made to get the bill corrected and they refuse to follow the no collections of additional Fees.

As far as the rudeness they are constantly talking over me, refuse to let me complete my statements, constantly hang up on, and even put someone on hold for extended lengths. The refuse to follow regulations set forth by both the FTC and FCC about telecommunications. Also the normal staff us falsely presenting themselves as Supervisors or Managers.

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 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi and thank you for your help. 
Seven days ago I made a direct deposit payment to my Bank of America Visa Card linked to XXXX XXXX XXXX. The direct deposit was reflected from my checking account six days ago. The money has still not posted. BofA has no idea where the money is no idea why it's not reflected as payment. 

The amount would have paid off my balance and allowed me to purchase much needed supplies for work. As it sets I have been unable to work because my money has disappeared. The issues has created significant losses, I'm unable to purchase supplies for work. 

Per a credit card staff reported the delay could be a marketing ploy to push customers into downloading their app. This has to be illegal. 

I need help finding my money and addressing the losses do to their marketing program.

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 2018-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I transferred funds to my friend XXXX at the end of XX/XX/XXXX through XXXX via my Chase app. The funds went thru ok. I attempted to send money to her again on XX/XX/XXXX. XXXX called me to confirm that she had not received the funds. I called Chase and they said that because the transfer was done before the weekend, that I should wait until Tuesday to check for the payment. When I followed up with XXXX on Tuesday, the funds had still not been deposited in her account. I contacted Chase and they advised that the email associated with XXXX was linked to another debit card, issued by a credit union. I called XXXX and she confirmed that she only had XXXX and had never had a credit union. XXXX informed XXXX that she should delete her XXXX app and set up a XXXX account with XXXX and the money would be deposited into her account - it was not. I contacted Chase yet again and they advised that I need to open a claim - this was on XX/XX/XXXX. I waited the 5 days before contacting Chase again and contacted them today, XX/XX/XXXX. Chase told me they closed the claim because XXXX had not responded to their request for additional information so that Chase could complete the investigation. I called XXXX with myself, XXXX and Chase all on the call. The outcome was that Chase had closed the investigation because XXXX did not respond and that I would not receive my {$160.00} back. 

When I contacted Chase initially, I told them that the transaction showed delivered and I wanted a resolve before the transaction was completed - that did not happen. I checked my account today and the money was delivered to the fraudulent debit card associated with XXXX  email address. 

Neither Chase or XXXX has returned my money, nor does it appear that they will do so. 

I just want my money back as it seems that the additional debt card was added to XXXX XXXX account without her knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE FAILED TO RE-INSERT MY ACCOUNTS BACK ON XXXX.

Company response to consumer: Closed with explanation