vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On  XXXX / XXXX / 17 , I used Venmo to accept funds from  XXXX  people.  One  transaction was for {$1400.00}, and another transaction for {$1000.00}. I received notifications when the funds landed in my Venmo account, but in fact the money was never received, and I was the victim of fraud, and lost {$2400.00}. Within an hour of the fraudulent transfers, I received an email from Venmo explaining I was the victim of fraud. I appealed to Venmo 's customer service team, but they covered their  XXXX  with the legalese in their ToS. I think Venmo should be held accountable for knowingly administering a compromised system and exposing their users to unnecessary risk.

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 2017-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed all   XXXX   of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX  inquiries  XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed all  XXXX  of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX   inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: IQOR US INC
State: NJ

Complaint narrative:
I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven tha t   XXXX   XXXX   is  using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally   XXXX   XXXX   were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now   XXXX   XXXX   play a musical chair approach by seeing if another debt collector name d Allied Interstate, LLC wi ll try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jers ey. Allied Interstate, LLC is not  bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got   XXXX   fired by the United States Department of Education as a sanctioned debt collector, and Allied Interstate LLC has no authority from any federal agency to collect on behalf of the taxpayers of the United States. Allied Interstate LLC is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY ALLIED INTERSTATE LLC.   ALLIED INTERSTATE LLC IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES AC T 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST ALLIED INTERSTATE LLC ILLEGAL COLLECTION PRACTICES!!!   ALLIED INTERSTATE LLC MUST PURGE MY FILE PERMANENTLY!!!

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 2017-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have contracte d Navient for over one yea r. I lost my   XXXX   XXXX   in  XXXX  of  2016 . I sent confirmation of this and my  2016  IRS approved  XXXX  and my current income. Navient has not offered ANY assistance and continues to send me past due communications. They list my current monthly bill at {$950.00} which represents over 89 % of my discretionary income. I have been paying {$240.00} which is above the 15 % max. allowed by law on my loans and have been making monthly payments for over 28 months straight. I will be  XXXX   XXXX   XXXX  in  XXXX  and have contacted the  Attorney Generals Office ( which has a current law suit with Navient ) because of the same issues I 'm experiencing. This company has no desire to work with any of its borrowers. They push you to take a 45 day forbearance which is nothing more than a bandage on the issue- not a solution. Navient does not honoring or even entertain " the income based repayment options '' offered by the Department of Education ( which I have filed and sent the back up documentation to Navient - twice - ( which they ignore ). I would greatly appreciate your help in getting this Loan provider to follow the current laws and options on student loan rep ayments.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On  XXXX   XXXX  or around that date, contact ed Harris & Harris re garding collection notice for my daughter  XXXX   XXXX  for date of service  XXXX / XXXX / XXXX  for   XXXX   from  XXXX   XXXX   XXXX . We never received any bills due to an address change. Most recently found out about bill and did investigate it to find out the char ges went to our deductible and we did owe {$150.00}. When we got the notice from Harris & Harris,  I contacted them immediately to inform them that the bill was paid on  XXXX / XXXX / XXXX  and was cashed by  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX  which was the date the collection letter was sent out. I informed  XXXX  &  XXXX  of this and told them they needed to go back to  XXXX   XXXX  to talk to them about payment. On Saturday,  XXXX   XXXX ,  XXXX  we receiv ed a more threatening letter from Harris & Harris w arning that they will send a report of bad debt to Credit Bureaus. I am absolutely upset by this because we told them the bill was paid and we continue to get more threatening letters. I plan on calling them again on  XXXX / XXXX / XXXX  to discuss this and also plan on calling  XXXX   XXXX   XXXX  to file a complaint however this type of intimidation is completely uncalled for when there is not debt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Student Aid (USA) Funds
State: NJ

Complaint narrative:
I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven that  USA F unds is using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Origin ally USA Funds  were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now USA Funds play a musical chair approach by seeing if another debt collector named  XXXX   XXXX ,  XXXX  will try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey.  XXXX   XXXX ,  XXXX  is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got NAVIENT fired by the United States Department of Education as a sanctioned debt collector, and  XXXX   XXXX   XXXX  has no authority from any federal agency to collect on behalf of the taxpayers of the United States.  XXXX   XXXX   XXXX  is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY  XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRAC TICES ACT 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST  XXXX   XXXX   XXXX  ILLEGAL COLLECTION PRACTICES!!!    XXXX   XXXX   XXXX  MUST PURGE MY FILE PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I went to make a purchase for approx  XXXX  fro   XXXX   and I received a text message for verification. I responded with yes and I was told I had to call. I called and verified all of my information only to be told they still declined my card and If I wanted to use the card I would have to stay on the phone while I was making the transaction. I asked why did I have to do that and they said it was to  protect Chase.  I asked them why do I pay a yearly fee of  XXXX  to  XXXX  if I cant use the card at will. I was placed on hold for ov er 35 minutes only yo keep getting transferred. The CRS representative even referenced that a type of   purchase my have been because of my culture referring to me being of  XXXX   XXXX  decent. I asked to speak to manager and the manger was no help at all. I had to end up spending more money to get the same items and it was a difference of  XXXX . I thin k Chase should a t least credit my account for the yearly service for all of the inconvenien ce and racial under tones.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have  XXXX   (   XXXX  ) student loans with Navient : ACCOUNT NUMBER  XXXX  Loan Group Number :  XXXX  for {$24000.00} Loan Group Number :  XXXX  for {$14000.00} Loan Group Number :  XXXX  for {$14000.00} My payemnts are not being applied to the principle amount. Numerous emails and conversations have going no where. even after agreeing Customer Service never calls back when promised to resolve. I need some help. I want to finalize the amount and pay off. I do n't miss payments but are starting believe I am being defrauded.     Please let me know how you an assist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  Portfolio Recovery .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection   agency not a Government Agency like Department of Education.
Portfolio Recovery Associates are reporting the account as a collection account not a Student Loan Education Account, and they are   not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as   " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.
The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with Portfolio Recovery and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to Portfolio Recovery for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit b  ureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our mortgage is held by Bank of America. We have an amortized loan so the payments are increasing. My wife is not working. I am having a hard time paying mortgage and all other utilities, insurances, food, etc. I was able to receive assistance from Keep Your  Home California, with a principle rate reduction, condition was we had to work with our m ortgage holder for a modification by a certain date . BofA has not been helpful at all. We are assigned a loan counselor to  " help '' us and all they worry about is when we are going to make the mortgage payment. Keep in mind we were n't behind at the time. It seemed as if anything I said, she never heard. Keep Yo ur Home California sent BofA our approval and told them also the stipulations of us receiving help. We rec eive a letter from  BofA a few weeks later saying that we ca n't get a modification from them and the principal reduction through Keep Your Home California. However that is n't correct, the modification is the rate reduction and Keep Your Home California will receive funds on our behalf to pay BofA. When I tried to send a complaint to BofA corporate it was routed to our original loan counselor who in turn contacted Keep Your Home California and told them they could n't get a hold of us, and for us to contact them immediately. We had been trying to get a hold of them the whole time. So now we have a new loan counselor who knows nothing and is only trying to get a payment instead of help us.    We have lived here 17 years, we do not want to lose our home. Please 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 2017-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I noticed that my transactions were being reordered in the past  two  months (  XXXX  and  XXXX   XXXX , as well as I was being charged RIDICULOUS overdraft fees. Not only are these overdraft fees charging me {$35.00} dollars for a {$2.00} charge that keeps being debited from my account just so the bank can charge me  XXXX  dollars again, then  XXXX  dollars, then {$100.00} and {$170.00} dollars in overdraft fees.     TD bank has reordered my transactions to make it look like I did not have funds in my account in order to maximize their ability to charge me overdraft fees. For example, on a day where I was in overdraft by {$4.00}, I made a direct deposit of {$300.00} to get out of the overdraft. However, on my TD banking portal, it reordered my transactions to seem as though I still had a negative balance when I used my card after the deposit cleared the negative balance, and I was charged  XXXX  dollars in overdraft fees MULTIPLE times.     These overdraft fees are not warranted given that they were " posted '' to my account during circumstances I knew I had funds in my account because I had made a deposit that same day, and were being posted about transactions that did not actually occur on those days. Even on days that I had made a deposit and was in the positive, I was still charged unfairly.     In   XXXX   alone, banks took in over {$32.00}  XXXX  dollars in overdraft fees. Additionally, TD bank has been sued in the past over such overdraft fees and reordering transactions, but it is very apparent that this behavior is continuing. This is truly outrageous that TD is purposely reordering transactions and charging all of these overdraft fees without my consent and without even notifying me of being overdraft to begin with. There was not even ONE time I received a notice via phone nor mail about being in overdraft.       Through my online banking portal, I sent a message to TD bank detailing my issue in  XXXX , and they took a week to get back to me even though they guarantee a response within  48  hours. I called TD bank today,  XXXX   XXXX , to dispute these charges. I opened my bank account i  XXXX   XXXX   XXXX   XXXX   XXXX , where there are several  TD  bank branches, but I currently attend college in  XXXX  Washington state, where there are  XXXX   TD  bank branches. Thus, I did not have the accessibility of a branch to go in and talk to a representative. When I did call TD bank, a customer representative told me that out of the total {$940.00} dollars in multiple overdraft fees due to THEIR reordering of transactions and the system 's error, they would only refund me  XXXX  dollars. I was not able to ever use the money from my direct deposits since they were being funneled to the bank as profits via their overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I spoke with a representative from the following compan y : Portfolio Recovery Associates (  collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor   XXXX    XXXX  ) In regards to a negative account on my credit. The representative told me he would make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX   2017 . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX -Social ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , UT  XXXX  Physical address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: MD

Complaint narrative:
In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to :   ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be given to the prepay the debt AT ANY TIME. Therefore, FedLoan limitations are illegal.
685.211 Miscellaneous repayment provisions.
( a ) Payment application and prepayment.
( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal.
( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment.   XXXX   XXXX   XXXX   Very truly yours, /s/   XXXX   XXXX

Company response to consumer: Closed with explanation