vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have called paypal and informed them that I do not have a paypal account with them. They refuse to listen over the phone. These representatives are from a foreign country and I am not sure if they really want to help individuals from the United States.. I have heard representatives make statements like foreigners came to The XXXX XXXX XXXXXXXX and made a mess. I am very disturbed to hear that people actually travel to a foreign country to behave like this. This does not excuse the fact that Pay pal should have a department that handles accounts that are created with the intent to harm a individual or cause fraud. I have never created a paypal account and it should be investigated. Please assist me. This has cause so much emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LOAN SIMPLE INC.
State: GA

Complaint narrative:
Greetings, Loan Simple Inc. is the mortgage lender that I use to refinance my home last XXXX, everything went well and the 1st payment was set up to be made onXX/XX/XXXX, but on XX/XX/XXXX I received a letter saying that my loan was transferred to XXXX and they will start collecting my payments on XX/XX/XXXX, accidentally I made the XX/XX/XXXX payment to XXXX instead of LoanSimple, after a few calls XXXX made me regarding this payment, I contacted XXXX to reverse that payment to LoanSimple, they agreed and sent a check to LoanSimple on XX/XX/XXXX, it looks like it was cashed on XX/XX/XXXX but LoanSimple keeps denying they have received this check and now they are sending me letters about foreclosing my house stating that I haven't made my mortgage payments, that my loan has never been transferred and that my house could be foreclosed if I don't make my mortgage payment. 

My XXXX # is XXXX XXXX loan # is XXXX Best regards XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
YOUR COMPLAINT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX, collection agency. They are claiming I did not pay for valid services received and are attempting a fraudulent collection by using the credit reporting agencies as an illegal collection vehicle. The original communication was dated XX/XX/XXXX claimed they were collecting a debt for XXXX XXXX and had an amount owed as {$60.00}, they are now attempting to collect {$1600.00}. 

XXXX XXXX sent me a letter in XX/XX/XXXX and on XX/XX/XXXX claiming I now owed {$260.00}. I replied in writing disputing their claim. Their reply was a copy of a original XXXX billing dated XX/XX/XXXX, that showed a {$60.00} balance due. They have never replied to my specific written communication to them disputing their claim and asking for further verification, XXXX said they withdrew the claim on XX/XX/XXXX yet XXXX XXXX is continuing to attempt to use the Credit Reporting system as collection technique. 

No specific response to my denial of the debt was forthcoming and as of this date I have not received any further communication from the XXXX XXXX. My only source of current information is seeing their name on my credit report. 

The above is a Scheme praying on consumers.

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 2018-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/2018, I took an XXXX trip from XXXX XXXX XXXX to my home, and was charged {$130.00} instead of {$58.00}. The {$130.00} XXXX charge did not appear on my Bank of America credit card bill until 42 days later ; and it should have been only {$58.00}. The SAME DISTANCE, reverse trip, which occurred 1 week earlier, cost {$58.00} ; so there is no way that this trip should cost {$130.00}. I disputed the excess ( {$74.00} ) with Bank of America, and they resolved it by offering a courtesy credit of {$37.00}. Therefore, this dispute concerns the amount of {$37.00}, for which I should not have to pay Regards, 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 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I got a Chase XXXX XXXX card through a promotion on XXXX. Problem is, two months in a row, when trying to pay my balance using the Chase online system the first attempt is rejected. I can log in fine, but their system rejects my payment with a message stating that ( paraphrasing ) there is no balance due and I am unauthorized to make a payment. The balance on the card shows up in my account, but their system rejects a payment before interest is due. HOWEVER when I go back into my account and try a second time, I get a different screen that allows me to make a payment. This was not described as a feature of the card when it was promoted on XXXX. Consumers should be able to pay off a balance to avoid interest. This has been the traditional and customary way of credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018 @ XXXX XXXX I called XXXX XXXX at XXXX extension XXXX is the assigned CitiMortgage Single Point of Contact for my account number XXXX. XXXX XXXX is listed as my dedicated SPOC as recent as Mortgage Account Information statement dated XX/XX/2018. The issue is that my telephone call on XX/XX/2018 at XXXX XXXX to XXXX XXXX was interceded by a XXXX XXXX employee ID # XXXX who inquired as to the reason for my call to XXXX XXXX. In reply I stated that I had some questions which were 1 ) is my account insured by the FHA or VA, 2 ) is the mortgage loan owner XXXX XXXX or XXXX XXXX, 3 ) is there a foreclosure effective date ( s ). But XXXX unapologetically and with a cavalier demeanor dictated to me that those questions should only be addressed by my attorney ( presuming I have an attorney ) directly to the CitiMortgage Foreclosure Attorney XXXX XXXX XXXX because the account is in litigation. On the contrary when I explained to XXXX that I do not understand why CitiMortgage is prohibiting me from seeking answer to the list of questions in my capacity as the account holder ; XXXX authoritatively insisted that I call their Foreclosure Attorney 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 2018-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ERC
State: NH

Complaint narrative:
Debt collector from XXXX called me at XXXX XXXX in my time zone ( mountain time ). No msg was left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX lowered my credit limit from {$1100.00} to {$800.00}. I brought my balance down below 30 % to improve my credit. Once I did that, they lowered my limit down to {$800.00} so my balance would reach my credit limit and bring score back down. My score dropped significantly by 16 points. 

It should be illegal for creditors to be allowed to do that on occasion. It destroys the consumers credit history and livelihoods. 

They need to increase credit limit back to where it was so it will show at 30 % bellow statement balance again so score can go back up!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I started writing letters to EXPERIAN, XXXX, AND XXXX ON XX/XX/2018. Informing them that I see inaccuracies on my credit file from these accounts listed on my credit report. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, And XXXX XXXX Account # XXXX. I pointed out all the inaccuracies that these accounts were reporting on my credit file. And informed them it was grounds for removal off my credit report. Instead they updated and verified the accounts on my credit report. So after I received that information. I contacted the lenders myself. On XX/XX/2018 I wrote them requesting a debt validation letter for these bills which they say I owe. They sent back an itemized bill from XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX XXXX XXXX   ACCOUNT # XXXX which is NOT validating the debts. They could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request these accounts be removed with any and all of the credit reporting agencies ASAP.

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 2018-07-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I bought my truck lease out with GM Financial on XX/XX/2018. They gave me a payoff, I sent them a check and they sent me my title. They sent me a letter acknowledging my lease is paid in full. They are now billing me {$210.00} for a tax that has nothing to do with me. I have called them several times to get this resolved. They have admitted to the error and promised fix it. This has not been done, now not only has the bill gone to {$420.00} ( dated XX/XX/2018 ). This is effecting my credit from all three agencies. I am unable to get credit due to this issue. The people in customer support promised this would never get to a reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Total Card, Inc.
State: MA

Complaint narrative:
This company continues to call me at my place of employment. I have requested verbally and in writing for them to stop calling me at my employer and they continue to call and I have the voice mails to prove it that indicated date and time of calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a home loan with PNC I had a tragedy and lost my job and have had problems with making payments so I applied for a harsdship application starting in XX/XX/2017. I was finally approved for a forbearance in XX/XX/XXXX until XX/XX/XXXX. I was then told to fill out another application by XX/XX/XXXX which I did. In XX/XX/XXXX they started requesting the wrong information from me which delayed the process. They then said they needed me to resend information which again delayed the process. I asked about a deed in lieu and I was told you have to get the application process completed and then we can go over your options. 2 weeks ago they informed me my home was in active foreclosure. I am now very upset because I believe if it had not been for their long drawn out and inaccurate requests I would not have been in foreclosure and would have had other options available to me because I don't qualify for any because of my lie income I guess right now. I believe this is intentional. I do not believe I am the only one. The reason o say this is because in XX/XX/XXXX they did the same thing and when I questioned what they told me I needed over the phone their reply was what did the letter say? Now the letter is incorrect because they requested page numbers On the application that were not correct and it took a couple of weeks to determine what the actual page numbers that they in fact needed from me. The first supervisor urged me to let them handle it before I contacted you. The second one told me at first there was no agency that I can complain to that governs them. I then stated it contains a letter c or b in it and she then have me your information but followed up with it will go directly to her anyway. They did nothing to rectify the fact that because of them my application process took so long which now has me incurring additional fees when I could have qualified for something like a deed in lieu of foreclosure which I was told I don't even qualify for that now because I am in foreclosure. She went over like 4 or 5 steps I needed to do with a realtor in 5 seconds and I told her there was no way I was going to be able to write that information down that fast and I would follow through on my end with a complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
keep geting phone calls to pay for a credit card i paid protection on XXXX XXXX XXXX c/oresurgent capltal services XXXX XXXX XXXX XXXX XXXX there phone number is XXXX the original creditor name is XXXX XXXX XXXX XXXX XXXX i paid them protection when i frist got the card and i paid them for years untill i closed this account now i keep geting phone call to pay then {$110000.00} i want them to stop calling me and take this off my credit report i paid for protection tell them to get the money from XXXX XXXX XXXX i paid them for protection and tell them to take this off my credit report a, s, a, p like now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
filed previous complaint with you. # XXXX. initial complaint settled. but after bank of america settled the fraud they lowered my credit limit in a retaliatory manner. it went from XXXX - XXXX. I BELIEVE THIS WILL FURTHER DING MY CREDIT SCORE. in the initial complaint i had REQUESTED SANCTIONS AGAINST BANK OF AMERICA FOR THEIR EGREGIOUS POLICIES. in the initial complaint they ADMITTED THEY KNEW MY ACCOUNT WAS COMPROMISED BUT FAILED TO STOP THE USE OF MY ACCOUNT. THEY RELIED ON A FORGED PASSPORT TO CONFIRM THE FRAUDULENT PURCHASE. they admitted they dinged my account for this FRAUDULENT PURCHASE AND TO ADD INSULT TO INJURY ALL BUT CLOSED MY ACCOUNT. i am enclosing their letter. 
first i HAVE NEVER HAD A DELINQUENCY! 
2 ]. THE ECONOMY IS ROARING. NOT SLOW! 
3 ] THERE WERE NO 'RELATIONSHIP ' PROBLEMS UNTIL MY ACCOUNT WAS HACKED!

4 ] B4 THIS MY CREDIT SCORE WAS IN THE LOW 800 'S! 
5 ] I DON'T HAVE ANY OTHER BALANCES ON ANY OTHER CARDS UNTIL THIS HACK 6 ] THIS WAS MY PRIMARY [ ONLY CARD ] AND THE BALANCES WERE PAID IN FULL MONTHLY! 
I DO NO BANKING WITH THEM OR ANY AFFILIATES AS THERE AREN'T ANY AFFILIATES IN THE AREA AND MY CHECKING AND SAVINGS ARE WITH LOCAL BANKS THAT I'VE DONE BUSINESS WITH FOR 40 YEARS!

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 2018-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I took out a student loan with Sallie May during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around XXXX. After graduation I was struggling to make ends meet with no job and a new baby. I called Sallie Mae several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called Sallie Mae and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to Navient. Same as Sallie Mae I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call Navient they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe $ XXXX and I must pay now and there is nothing that I can do about it. Why didnt Navient perform their due diligence to give me a call and place under a repayment plan. I do not feel that Sallie Mae nor Navient performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: DC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX my debit card was illegally cloned as used for a number of fraudulent transactions totaling in excess of {$800.00}. JP Morgan Chase 's fraud detection and online banking updated failed to catch the fraud. When I finally phoned in to cancel the debit card and flag the transactions, I was told that I would not be refunded the full amount illegally stolen from my account, due to a 60 day fraud threshold the bank has in refunding stolen monies. I want to be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I initially disputed this item in XX/XX/XXXX to have it verified and validated. I received notice that the debt was verified but did not receive proper documentation in accordance with both my request and according to the FDCPA, FCPA, along with the corresponding local state laws in which I have and do reside in. I was also advised that the account would be listed as disputed in their updates to the credit reporting agencies. However, as required by the FDCPA Section 807 ( 8 ) this was not done. I was to find out that this has not been done as far out as even my XX/XX/XXXX reporting period. I made a 2nd attempt sending a letter in XX/XX/XXXX, to request proper validation only to receive the same incorrect documentation which still is in violation of the aforementioned regulations. On the XX/XX/XXXX, I sent a final goodwill letter to request that the company place the " notice of dispute '' on my account within the period required by law, which again was and has not been done even though I received the same form letter stating that it would be. Lastly, after searching the Secretary of State 's Debt Collector 's Database and finding no information, I submitted a request to the company to produce proof of a valid debt, as well as advising them of the " notice of dispute '' issue, and also requesting that they produce confirmation that they were legally bonded to collect debts in my state. This letter was sent out on the XX/XX/XXXX and signed for on the XXXX of the same month. To date, I have not received any proof that this company was or is in possession of a Surety Bond for my state and the last letter I have received from them was on the XX/XX/XXXX which was another form letter exactly the same as all the rest but still not in compliance with the applicable laws.

Company response to consumer: Closed with explanation