vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Michael & Associates, PC
State: CA

Complaint narrative:
I fell behind on my payments to XXXX XXXX due to being in an accident, which left me unable to work for the past year. XXXX XXXX cancelled my accounts and sent my bill to a law firm, Michael & Associates , PC for collection. 

On XX/XX/XXXX, I received a letter from Michael & Associates , PC. They were attempting to collect my debt for XXXX XXXX and they told me they had a wide variety of payment options to assist me with paying my debt back. 

There was a phone number included if I had any questions or if I wanted to make payment arrangements. I called the law firm in XX/XX/XXXX and spoke with one of their attorneys. I told him I wanted to set up a payment plan and would be ready to start a payment plan in the next month or two. He advised me to call him when I was ready to make payments. He said he would touch base with me in about a month and that it would be no problem. 

One month later I received a letter dated XX/XX/XXXX which said please be advised that this law office is in the process of filing a lawsuit against me. As soon as I read the letter I called the office and gave my case number and asked to speak with the original attorney I spoke to the first time I called. 

I got transferred to a woman named XXXX XXXX who told me I could not speak to the original attorney. I asked for his full name and she refused to give it to me, and only offered me his initials, ( XXXX   ) and was told that he did not work in that office and I could not speak to him. I told her I was ready to set up a payment plan but the amount I told her I could pay was not acceptable to her. She said she needed at least {$2000.00} up front and then we could figure out a payment. She asked me if I could borrow money from my family or if I had Social Security. I told her that was not an option and that I did not have Social Security or any income. I explained to her that I had been out of work for the last year due to my accident, and taking care of my mother who is XXXX XXXX  and XXXX. 

XXXX proceeded to tell me that Michael & Associates , PC had already filed a lawsuit against me on XX/XX/XXXX. I checked with the court and as of today, XX/XX/XXXX, no lawsuit has been filed. I dont know how to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Several months ago I was contacted by National Credit Adjusters about a payday loan they claim was from about ten years ago. I informed them then that I do not have nor have I had a pay day loan. I informed them I disputed the debt and requested proof, which they said they would send. A week or so later I received a packet addressed to myself from them. When I opened it, it was documentaion for someone from California, including what I would consider private personal confidential information. I immediately contacted the collection agency and informed them that they did not send me proof of anything, but in fact sent someone else 's personal information to me. The girl told me I could go to jail for opening someone else 's mail. I explain the envelope from them was made out to me, I did not open someone else 's mail. She asked again how I wanted to pay the bill and again I told her I dispute the debt and wanted proof which she said she would send. Nothing was received after that call. I received a call from someone again a couple weeks ago asking how I wanted to pay the debt. I explained everything to him, explained I've already disputed this twice and that they have never sent me any proof this is my bill and I was not paying something I don't owe. He said he would send proof, which again I did not receive. A few days ago another girl called and we went through the exact same thing. I also told her I dispute this and that she never sent me proof. She sent me a letter stating that I and 'National Credit Adjusters were not able to agree to a payment arrangement on the account referenced '. That is not an accurate statement, as I have DISPUTED this on multiple occasions and on at least three occasions I have requested they send me proof, which has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I used American Express ( AMEX ) membership rewards to make a purchase with XXXX on XXXX. Immediately after placing the order I cancelled it. The points were still debited from my AMEX card account. XXXX did not debit the points, and AMEX won't refund the points because they maintain that XXXX has them. I've been trying to get the points reinstated to my account. The estimated value of this transaction is more than {$900.00}. I've been calling AMEX and XXXX repeatedly and continuously getting the " run - around '' where each entity is pointing the finger at the other, meanwhile I am out this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: UT

Complaint narrative:
I have been receiving phone calls from multiple numbers and none of them leaving voicemails. I finally decided to answer one and its someone on the other line telling me that I'm 100+ days overdue on my payment and if I would like to make a payment over the phone. I wasn't born yesterday obviously I started asking questions. They had confirmed that they are a collector on behalf of ACS and/or Conduent. I had told them I have never heard of them nor have I received mail of a payment due, late notice of payment, second notice of payment, or even a collection notice. I ended up calling my school about the first week of XX/XX/XXXX and left a message. Just today I got a hold of them and asked to see if they knew who ACS or Conduent is and my school confirmed they are indeed one of the lenders. So I called today and asked them to send me some sort of bill or payment notice or something. I was a student and am making better of life. To better my life and my family we moved out of state, but my mother-in-law lives at my previous residence. The USPS uses mail forwarding that I am currently using. So there is no excuse for me not to receive my mail. Apparently they have already messed up my credit. This is not right. I'm suppose to use telepathy to know who to pay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Around XX/XX/XXXX, we received a call from wells fargo claiming that our business account was taken over and someone withdrawn a couple thousands of dollars. The man on the phone said he could start the process of refunding the money to us and start the investigation. He asked us questions and gave us options to choose from, the last four of our social, and then told us he was going to send a text with a code to verify it was us. We answered all the right questions and he said he deactivated our cards and new ones would be sent to us overnight. We were thankful that wells fargo took action and notified us but this wasn't the case. The following morning I logged in and notice that our business account and personal account both had withdrawals. So I decided to call to verify they were taking care of both accounts instead of just one. When I called, they asked literally the same questions as the previous phone call the night prior. the wells fargo lady told me that there was no fraud investigation our our accounts and no notes have been made. She insisted and asked more questions but I hung up and went directly to a branch. At the bank they stated that they cant do anything by investigating who took our money because it would be too difficult and that it would be best to close the account and start a new one. They said they could continue the account number for 60 days and a new account number would take over. What they didn't mention was that anything over 300 dollar transaction was immediately denied. I made my mortgage payment and they denied it. I had no idea that my mortgage did not go thru and on the 15 day after the mortgage is due, its consider late and a hit on our record. I tried to ask for them to notify our mortgage and let them know it wasn't our fault and we had the funds in our account but they said they couldn't do anything. I'm frustrated with how wells fargo handled the situation in the fact that they denied the mortgage payment even though its a reoccurrence every month and they wont take responsibility for our credit hit.

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 2018-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Currently have three loans managed by Navient. I was set up on an income based repayment process for two of the loans. The third is a private loan they manage. I have set up auto repayment on the private loan and have been making payments each month on the other two. They are not consolidated ( as I was told I could not do that ). Income based repayment started in XX/XX/XXXX. Every month so far I have been charged some type of late fee up to {$50.00} per month. Calls and requests for explanations have gone unanswered. The website constantly tells me I am behind in payments as well. The dollar amount posted in the screen is the amount I would have to pay if I was just repaying the loan itself.

In addition, I received notice from the IRS that Navient had written off $ 7000+ and since I didn't declare it at the time I now owe them {$1900.00} more for the XX/XX/XXXX tax season. I have gone through all of my paperwork and found no documentation of this transaction. On their website, there is also no documentation. I have called and spoke with their customer service and once again I have gotten no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
AMERICAN MEDICAL COLLECTION AGENCY Date of Service : XX/XX/XXXX Total being Disputed : {$160.00} I have no idea where this debt came from. I have not been in the hospital in over 2 years now, the last time dating back to XX/XX/XXXX with the case of the XXXX and a follow-up with my doctor. I was never in a hospital last year at all so this is definetly a debt that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l.
State: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX XXXX. They were billing me on a monthly basis. I was not satisfied with t he service and attempted to cancel the service. They continued to draw money out of my account. I cancelled the credit card and that was being billed. Three months later they called me to try and collect for a past due amount. I told them at that time that I wanted to cancel and then they told me that I was in a contract and could not cancel. I had never agreed to that. I told them that I did not owe them and that I wanted to cancel. 

I received a call last week from a collection agency called XXXX XXXX XXXX trying to collect on this debt. I explained to them the problem and they stated that they will continue to try and collect. I have now received a letter from the requesting payment. m This debt is not valid and I want them to remove it from my credit report and also stop all forms of communication.

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 2018-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
when I sign up to buy the car under financing and 2 month later I found out they put me into leasing. for two year and take my down payment in to initial payment for the lease ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called Bank of America XX/XX/2018 regarding a {$22.00} interest charge on my statement after the previous statement was paid off. It is my understanding this is considered dual cycle billing, which the Credit Card Act of XXXX banned. I called Bank of America but they refused to credit the interest. I recently had the same issue with XXXX and XXXX, both of which credited my account.

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 2018-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted Capital One to make an arrangement to settle on my dbet. The representative told me that I couldnt do the payment which would have been {$740.00} and some change to come out of my account the following day. I call the following day which is today XX/XX/XXXX to again try to pay the settlement amount and clear up the debt. First I was told the computers were down to call back in two hours. I did call back and try to set it up again to pay the settlement amount then I was told it was too late they count went into charger off status. I was then told to call back in te hours to speak to a supervisor because the computers were still down. After speaking to three different people including a supervisor who refused to take a payment to clear up this day on two separate days I was unable to settle this debt. I explained I had signed up with XXXX XXXX XXXX XXXX XXXX to help with my debt and somehow after pay {$250.00} since XX/XX/XXXX I saw no improvements. However Capital One has received correspondence from the company and was aware. On both days when I tried to settle the debt myself payment was refused. I also tried to pay the full amount on line and the payment was some how canceled after it showed it was accepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
Re : Complaint id XXXX I purchased a XXXX Prepaid Card in the amount of {$200.00} on XX/XX/2018 I registered the aforementioned prepaid card in my name on XX/XX/2018 by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.

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 2018-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, I have been trying to resolve this on going issue with the XXXX XXXX XXXX   XXXX, XXXX, and Transunion since XX/XX/XXXX, to remove a student loan debt that dates back to XX/XX/XXXX from my account. Since they updated my account in XX/XX/XXXX for a very small balance this triggered an update to my 3 credit bureaus as a new activity. This update flagged my accounts in the 3 credit bureaus ( agencies ) as a bad debt that was paid, a derogatory account status, and a previous collection status that was paid. This unfair practice has hurt my credit, disallowed me to purchase a home, and is an ongoing burden. 
This malicious attack is unjust and has prevented me from obtaining a mortgage and getting other types of loans. 

I have been trying to work with them to have it be removed from my files, it nothing has been done. As I attempt to dispute this matter, my credit score goes down further and further as they tag my account as a dispute when the credit bureaus go into the account to update it. I would appreciate it if there is something you can do to help, this is an unfair practice placed on consumers like myself. 

I have attached a letter from the XXXX XXXX XXXX XXXX regarding this matter to help solidify my position. Thank you again for your immediate attention to this matter.

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 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX says they bought my medical bill from XXXX XXXX XXXX in XX/XX/XXXX and I have had state issued insurance that pays for everything. I never had any type of balance, I have not been uninsured ... I have literally been covered since XX/XX/XXXX. They keep reporting on my credit and this information is false! They constantly call, they talk to me like I'm XXXX, disrespectful, they don't even know what the bill was for, who the patient was, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Card Issuer : American Express Card Product : XXXX XXXX XXXX   There was a promotional signup offer for {$250.00} as a statement credit after spending a specified amount ( {$1000.00} ) on the card within three months of approval. 

The spend threshold was hit within the stated period but no statement credit was issued ; a complaint was submitted to American Express three months after the date the threshold was hit. It has been another two to three weeks since the initial complaint was submitted, during which time there have been multiple contacts with the company, still with no resolution. 

There have been multiple promises to resolve this issue, including an explicit indication that it would be resolved several days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from Citibank ( cbna ) and XXXX   XXXX, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.

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 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NY

Complaint narrative:
Personalreports.lexisnexis.com has incorrect information. None of the information is correct. Information may refer to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I have a complaint about someone selling my identity to collect money and now is making me falsely accused and I want to clear my name. I am taking care of a young lady kids that is away working and the other day when she went to send the kids money to me they told her that I am on a scam list. Now I don't know how I'm suppose to be on a scam list when I don't even collect money often. The lady 's kids I take care of she only sends money every two weeks to buy food and send her kids to school. Apart from her my dad sends me money only once a year which is XX/XX/XXXX and also my baby father which is once in awhile. So please I'm asking you if you could investigate about this and make my name be cleared from this absurd foolishness please. Thank you

Company response to consumer: Closed with explanation