vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Calls made before XXXX XXXX, also repeated calls to my workplace despite my repeated ask not to. Refuses to give me information over the phone about the debt and instead only asks when I am making a payment and demanding it be a certain amount, repeatedly asking for credit card/method of payment. I asked to have a notification mailed to my home and still have never received anything that shows what the debt is or provide proof this is a legit debt collecting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DE

Complaint narrative:
I received a " Cash.app '' card in the mail, totally unsolicited by me. The card came complete with an Account Number, expiration date, security code and my name. I have been unable to verify how to cancel this card with " Cash.app '' or with their parent company " Square , Inc ''. Their help # is XXXX, but has no customer service people to help. They point you to their website " Cash.app/help '' which is mainly for activation, adding money, etc. I have contacted the FTC and submitted an " Identity Theft Report ''. Shortly after receiving this card, I received an " XXXX XXXX Personal Savings '' new account information card listing a full account # for a " High Yield Savings Account '' which I had not requested. In the same mail was a letter from " XXXX XXXX XXXX XXXX  '' in XXXX XXXX XXXX, UT stating that an account had been opened in my name and they believed it was opened without my authorization, thus closing the account. They then went on stating the applicant had access to my name, address and SSA. I have filed an " Identity Theft Case '' with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX a {$350.00} debt appeared on my credit report from Ability Recovery. I contacted the debt collector explain that I did not owe this debt as I was a XXXX  patient and the originator of the debt was a hospital who had my XXXX  information on file. Ability Recovery refused to help resolve this issue. As such, I contacted the hospital billing department and was advised they no longer had information regarding the debt so I contacted the phone number on the back of my XXXX  card ( XXXX  ) and explained the situation. The representative from XXXX/XXXX  confirmed that I was covered by XXXX/XXXX  on the date in question and instructed me to write a letter to XXXX XXXX explaining the situation and attach the information regarding the medical bill so that it could be researched. XXXX XXXX determined that on the date of service XX/XX/XXXX I was a CT XXXX XXXX XXXX recipient and that the provider in question was enrolled in CT XXXX. XXXX XXXX indicated in their response that the provider has been contacted and advised that they can not balance bill a CT XXXX  recipient. I submitted the response from XXXX XXXX to the debt collector and filed a dispute with the credit bureaus, but all that happened is the debt collector confirmed a debt that I can not legally be billed. I am attempting to prepare for a house purchase and want this debt that I do not owe off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AK

Complaint narrative:
I am currently enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I have verified that I am qualified for this program and have followed all steps with FedLoans as my servicer. I consolidated my loans to XXXX XXXX in XXXX for this program. I have been making payments since that time with exception of one year of granted forbearance during my fellowship. I have noticed very inaccurate information regarding my qualified payments for this loan program and called FedLoan Servicing on XX/XX/XXXX to request a recount of my payments. The representative told me that she noticed several payments were not counted and she would request a re-count. I have not heard back in regards to this requested information. I called the ombudsman on XX/XX/XXXX and spoke to XXXX employee # XXXX and he verified the re-count was requested but did not have any further information for me. 

It is now XX/XX/XXXX and I have still not heard back from FedLoans and do not have an accurate payment count. I have been making qualified payments and need to know when I can apply for loan forgiveness as the time is coming to do so soon. I am making major life decisions based on this loan forgiveness program. I have a husband and XXXX young  children and I have declined taking high paying for-profit jobs to continue working in non-profit positions for this loan payment program. I have about {$370000.00} in student loans and have been making high monthly payments on time to assure loan forgiveness. FedLoan must be held accountable for what they have promised and what they are responsible for. It is hard to trust a company who is ultimately responsible for my entire loan forgiveness when they can not even provide a timely and accurate payment count.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a business and one of my staff resigned, he had a credit balance, when a check was sent to me, it was in his name, XXXX XXXX, I wrote to Bank of America and asked that a check be made out to me, they ignored my request

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 2019-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX, a {$300.00} money transfer via Zelle, a subsidiary of XXXX XXXX XXXX , XXXX. The XXXX transfer was sent to my TD Bank account but will not be available until XX/XX/XXXX. Overall, a service that was supposed to be immediate or reasonable, is taking 7 days. 

I expected the transfer to arrive within a reasonable time. It is stated in the XXXX literature that enrolled XXXX customers can expect payment within minutes. 

When I contacted my TD bank they said that they are not responsible because XXXX is a third party. I do not want the service of a bank that will not assist me with a customer service concern for a service they provide such as instant money transfer via XXXX as part of their service. 

I am enrolled in XXXX and I have a TD bank account. The transfer will not be available until XX/XX/XXXX. This is an abuse of customers. This money was needed urgently and is being held by XXXX/TD. 

The service is advertised as transferring funds within minutes and it is expected that funds will be available quickly when these services are used. These advertising are confusing and false and abusive to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX reported to the credit bureaus that they provided unspecified service to me for {$550.00} and that I failed to pay them back. I disputed their contention with the credit bureaus, which in turn informed XXXX XXXX that the reporting was challenged as identity theft. XXXX XXXX could not provide document to support and verify their reporting and as a result, the Credit Bureaus removed the incorrect information from my file. Today, XXXX XXXX has repackaged their alleged debt or otherwise sold it to Enhanced Recovery Collection and reports it again to the Credit Bureaus, in violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
On XXXX, I was in an auto accident when a 30 ft truck backed up over me, in my new XXXX XXXX XXXX I purchased in XX/XX/XXXX. I have a loan against this vehicle with Mariner. I am suffering from XXXX XXXX from the accident including a XXXX XXXX, XXXX XXXX, and several XXXX XXXX. Not knowing what my financial situation was going to be not being able to work, because my accident, I paid {$10.00} for my loan for the month of XXXX. When I spoke to the branch manager, I explained that I would go online and make a payment every week my child support came in, and that I was unable to pay in full that day we spoke because my payments are contingent to my child support. The branch manager XXXX XXXX, stated " you will not have access to make any partial payments online because you are pass due ''. He demanded payment over the phone multiple times. I patiently continued to explain that because I can't work, I need to wait until my child support comes in to make a full payment. Mr. XXXX refused to work with me. I have been getting a loan from this company for 4 years if not longer. Even before when it was XXXX and then bought out by Mariner. I have an impeccable payment record. I paid every single month my loan was due, except maybe once or twice in all these years. Mr. XXXX is not open to deferring my XXXX payment, or any other agreement, despite my loosing my work income. Mariner Finance, Mr. XXXX has been calling my phone almost every day despite that I told him I would call on the last day of XXXX and make a payment by phone, since consumers are NOT allowed to make partial payments via their website. Which creates another issue for consumers. They have called almost every single day, two to four times a day, despite telling him I would call on the last day of XXXX and make a payment. Mr. XXXX stated that my loan was not contingent to my part time work. I stated that I understand this, but when my child support does not come in, which sometimes happens, I will feed my children before I make a loan payment. I know I get partial payments during the holidays because my exhusband does not work full weeks during the holidays. If us consumers can't make partial payments, then we are being denied our right to repay a debt, despite if it is past due. I have made an arrangement may of times to call and pay on the last day of the month, and NEVER was I HARASSED like this. I have never been harassed in this way. This is absolutely an abuse of debt collection methodologies, and must be stopped. As of today XXXX, at XXXX XXXX, they have called me 4 times already. I will make a payment today. However, this HARASSMENT is unlawful. Mr. XXXX is awful when speaking. He is not open to any agreement, especially considering my good repayment history.

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 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
DEPOSITED Life Ins proceeds check from XXXX XXXX XXXX. COMPANY- thru atm XX/XX/XXXX. MY MOTHER DIED. No immediate credit of {$300.00}. XXXX FUNDS avail and then a 10+ day HOLD PLACED ON THE CHECK drawn on XXXX  XXXX. AGAIN LIFE INS PROCEED CHECK - my mother XXXX XXXX - passed away. I went into the branch XX/XX/XXXX, MGR at XXXX, stated next time bring the check inside and we can review/override the hold for you. I would but this branch has gone to skeleton staff, no drivethru service- are they closing this one too? I closed my mother 's acct XXXX XXXX while I was in the branch and provided death certificate as well. I also deposited XX/XX/XXXX {$4300.00} other insurance check from XXXX XXXX and had no issue. I also have Multiple accounts with BOA, retired from BOA, and have done business with since XXXX. I called Sat, spoke to XXXX and her supv XXXX ( XXXX ) XXXX in XXXX XXXXgot now where and no explanation for the EXTENDED HOLD TIME. ( both reps just DIDNT seem to CARE ). I was told call back Tues when we have image of the ch uploaded. I called again the morning and spoke to multiple reps again. XXXX in AZ and some female, neither would give me reason for hold stated confidential? I AM THE CUSTOMER AND HAVE RIGHT TO KNOW WHY MY CHECK IS BEING HELD!!!! THIS IS NOT A GAME>>> REP. Hinted at everything from fraudulent check, to oh it may be returned by the company? Reminded them this is a reputable Company XXXX XXXXXXXX XXXX . Refused to remove hold and major issue REFUSED TO TELL ME WHY THE HOLD WAS THERE. I DEFINATELY believe they are USING CURTOMERS FUNDS FOR OTHER PURPOSES- HOLDING OUR MONEY FOR THEIR GAIN. I offered to send letter from Insurance proceed ck etc. DIDNT CARE and offered not help at all.

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 2019-12-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to lift a one time credit release on my credit report and the company 's system is generating questions from previous accounts on my credit and the amounts that were paid on them. I tried to explain to them that no one can remember exact amounts for payments from years ago with no avail. HAVE SPOKEN TO SUPERVISOR THAT THEY INDICATE THEY CAN NOT AND DO N OT HAVE NAY OYTHER MEANS TO VERIFY MY IDENTITY OTHER THAT ASKING QUESTIONS GENERATED BY THE SYSTEM THAT DO NOT MAKE ANY SENSE.I need to release me credit report and have gotten stuck and it is causing me thousands of dollars in damages due to their idiotic procedures. Need HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: OK

Complaint narrative:
Today at XXXX i received at call from XXXX at XXXX XXXX in XXXX XXXX she asked for my full name and i never authoized for them to call work on contract. She told me if don't make payment today then she will have to go legal on me if i didn't come in office, So i'm requesting the loan be paid off and company get Fined )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
In the last six months, I have had to block 76 numbers from incoming calls from this company. 76 NUMBERS!!! All with different area codes and different prefixes. I have twice told them to stop calling my number and even sent a message via fax and email demanding the calls stop but they haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I received a traffic citation from XXXX County on XX/XX/2019. I paid the traffic citation in full in the amount of {$160.00} on XX/XX/2019. Recently, on XX/XX/2019, I received a collection notice in the mail from Penn Credit Corporation. They claim that I have an outstanding balance with XXXX County Clerk of {$62.00}. I responded to the notice by calling the number provided to explain that I had already paid the amount in full. They asked that I sent proof of payment. I proceeded to email a copy of my receipt from XXXX County. And today on XX/XX/2019. I received a phone call from Penn credit stating that the receipt I provided was not sufficient enough proof of payment of my traffic citation. Now, they are asking that I send over copies of my credit card statement showing that the funds were taken from my account. 

I believe this is a scam because I have not received any correspondence from XXXX County stating that they have not received my traffic citation payment. It seemingly went straight to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: GA

Complaint narrative:
Greetings, I spoke with customer service regarding missing payments on several occasions with regards to payments made in XX/XX/XXXX/XX/XX/XXXXprior to the extension due to a hardship. Therefore the rep advised that I would have to pay interest on the loan since the payment would be moved to the back end. However the additional payments made were taken after the extension was granted. When I inquired the rep advised that it would be credited to my account, which to date has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Friday XX/XX/XXXX, I went into A 5/3 Branch inXXXX XXXX, XXXX, OH and attempted to get a chashiers check to refund a vehicle purchase that didnt go through to a customer. While waiting for this transaction to happen for 30-40 mins I was approched by security, 2 different staff members and then the manager. The manager gave me the 5th degree and then issued the cashiers check to me. After the cashiers check was given the Assistant Vice President XXXX XXXX XXXX called the fraud department and froze my account. I have called and left messages and no one had responded to me messages. It has been 12 days, no one sigle communication. They have frozen my business account and I am having a difficult time making payroll. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XX/XX/2019 I consolidated all of my Navient student loans with XXXX servicing. The new loan appears accurately on my report. However, my XXXX Navient loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to Navient but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I attended XXXX XXXX XXXX College for the spring XXXX semester. I have paid all monies owed to the school directly and have an invoice showing that I paid and have a {$0.00} balance as of XX/XX/XXXX. AR resources inc ( debt collector ) continue to report that I owe them the full semester registration amount even after I have sent them proof that this debt has been paid. I have contacted them several times directly and forwarded AR resources inc proof of the payment but they continue to report that I owe this debt to them. I have also disputed the debt through the credit reporting agencies with no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
For the past two days, a business that I believe to be known as 'Juniper ( Credit Cards and Plans ) ' has been calling me around XXXX XXXX. They repeatedly call me throughout the day. For the time being, I blocked their number, but they have now woken me up out of a dead sleep two mornings in a row. 

They call from the number XXXX XXXX. Below are the call times : Monday, XX/XX/2019 XXXX XXXX  XXXX XXXX   Tuesday, XX/XX/2019 XXXX XXXX ( thus far. More expected )

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 2019-12-31 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: TX

Complaint narrative:
In XX/XX/2019 I consolidated all of my XXXX student loans with XXXX servicing. The new loan appears accurately on my report. However, my 12 XXXX loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to XXXX but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.

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