vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 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: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
I ASK MY BANK IBERIABANK TO ASSISANCE ME WITH COLLECTING MY REFUND FROM XXXX XXXX XXXX ON CANCEL ORDERS WHICH THEY HAD PROMISE TO REFUND ME ... ..SINCE IT WAS WITHIN THE TIME ALLOWED ( 60 DAYS ) TO DO A CHARGEBACK ETC ... ..AND I GAVE THEM ALL THE SUPPORT DOCUMENT THEY NEED TO SUPPORT MY CLAIM ... ... I ALSO HAVE REPORT THIS COMPANY TO OTHER AGENTS AND IF ANY OTHER AGENTS YOU KNOW THAT CAN HELP PLEASE HEHELP ME ... THIS COMPANY OWES ME OVER 2,000. 

SINCERLY, 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 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jon Barry and Associates, Inc.
State: OK

Complaint narrative:
Account reference # XXXX I missed a call from a XXXX phone number who left a message with their company name XXXX XXXX XXXX advising it was a call from a debt collector. 

I returned the phone call a moment later and received an unprofessional introduction of yes when I called in. The representative XXXX then said he hadnt realized there was incoming call. XXXX then proceeded to inform me of the supposed medical debt for {$94.00} in his office. At this point there are had been no verification or mini-Miranda provided. I know that these are standard requirements of 3rd party debt collections and wanted to confirm I had a legitimate company before providing payment information. 

I requested a statement. XXXX advised they had sent one out in XXXX, I informed him I did not receive that notice. XXXX then became almost abusive by questioning my character saying it was odd I hadnt received the bill from them or the hospital since they are the second collection agency. I explained again I didnt receive anything for that amount. XXXX continued saying it was odd, I then requested a validation of the debt. Since there had been violations in the phone call I again wanted to ensure I had a legitimate company before providing my payment information. 

XXXX refused to accept my verbal request for validation. I requested to speak to a manager to inform them about the above information. 

I spoke with Mrs.XXXX who was the first person to provide a mini-Miranda on the phone call. I advised her of the above and requested validation of the debt. She advised they would mail the validation out. It is extremely deceptive and unfair to have practices where one employee refuses to accept your request for validation while the other accepts it? As a consumer this is very confusing. 

She advised me they would review the recordings and question and not contact my number further. I was never provided any disclosure that the company in question was recording the call either. 

Thank You, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be zero 'd out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.

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 2018-07-30 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: EdFinancial Services
State: TX

Complaint narrative:
We i was a victim of false certification for a loan by XXXX XXXX XXXX XXXX. 
Which XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Found the school wrong XX/XX/2018 and Discharged my and issue a refund .Also requested that it be removed for my credit reports .. Now Edfinancial service was the load serving company, Which also reported to my report .Sent me letter on XX/XX/18 that they will HONOR the XXXX XXXX XXXX XXXX ruling and will remove the loan from my credit report. 

I recieved a letter on XX/XX/2018 from EDfinancial Service stating that there reporting is accurated .But in there letter date XX/XX/2018 states the checked with the XXXXXXXX XXXX XXXX XXXX .. Which the load was false and need to be removed.. I have contact them twice about this matter ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX ( credit card co ) charge off the account and came back on my credit report as XXXX XXXX XXXX it was charged off twice under 2 names now their back as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have had a mortgage with U.S. Bank since XXXX of XXXX. I have never missed a payment or had a late payment. The mortgage was for 15 years and I needed to restructure it since I could not afford the balance of {$67000.00}. 

I started negotiating with US Bank in XXXX of XXXX, two months prior to the expiration of the loan. They did not return calls, personnel were unavailable or did not call back when scheduled. In XXXX, they refused to accept the monthly payment. I have sent in all required documents in a timely manner and confirmed that US Bank received everything they have requested of me. 

On XXXX XX/XX/XXXX, I received a certified letter requesting a payment with late fees totaling {$1100.00}. I sent a check for the requested amount via certified mail on XX/XX/XXXX as they were still going through the underwriting process. On XXXX XXXX, they returned the check stating they could not accept the partial they had requested via certified mail. 

On XXXX XX/XX/XXXX, I received a packet with updated valuation of the property listed as {$150000.00} with current pictures taken on the XXXX of XXXX. I was not aware anyone came to my house to take pictures and no one conducted a current appraisal of the property.

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 2018-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries  that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.

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 2018-07-30 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive  months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX  '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.

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 2018-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : First case CFPB # XXXX GM Financial Acct # XXXX On XX/XX/2018 I submitted a complaint to the Department of Agriculture regards my pay off amount disagree and discrepancies on payments and months to go, but GM financial did not response to Dept. of Agriculture or at least before I submitted the complaint to CFPB. After I submitted my complaint to Consumer Financial Protection, and received an email that GM Financial responded to the complaint and sent a letter to me which I just read it. I have not made the {$260.00} payment from XX/XX/XXXX, waiting for CFP response. Because I am not agreed with their response, I called again to CFP and spoke to an agent. Even with the deferred and overdue payments and the contract that I signed, this car is paid off. I already paid to this XXXX XXXX and if I add the {$260.00} for the month of XX/XX/XXXX the total amount will be {$18000.00} summarizing my payments with the statements I received from GMFinancial, with a margin of error. I paid this car double ( 2 cars payment in one ). Therefore, I think is not fair to continue making payments to this account. This is inhumane for me and for others who have been through the same or worse. I am going to send my last payment which was due on XX/XX/2018 according to their contract a car in the amount of {$6900.00} at an interest rate of 16.25 %, repaid in 72 months installments in the amount of {$260.00} per month, 72 months already passed and the total amount as you can see exorbitant. 
Hopefully you can help me to solve this situation in a fair way. 
Thank you so much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
Hunter Warfield is a debt collection agency for XXXX XXXX XXXX apartments where I used to live in XXXX. I made an agreement with XXXX XXXX to pay off the debt, but I lost my job after I made the commitment and was unable to pay the balance due. I was unable to receive unemployment, so I had no income coming in and in the process I lost my mother whom I was taking care of. I finally got a full time job in XX/XX/XXXX and I started making payments towards Hunter Warfield in XX/XX/XXXX when I finally able to speak with them. XX/XX/XXXX {$120.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX - {$75.00} and XX/XX/XXXX - {$75.00}. The last two checks had to send a sigh receipt because they are holding on to the checks and stating that they are receiving them late. It only takes three business days from Maryland to Florida. The check for XX/XX/XXXX has not been cash but they received it and when I spoke with them today, they stated I was referred to an Attorney office because I didn't send the checks on time. I filed a compliant with XXXX  of Florida but no results and no resolution. It was just left alone. Why am I going to court when I am making consistent payments to the collection agency and we never discuss a particular date that it had to be in there office. It's like they are bullying people to get what they want, know what it takes to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have made many attempts to remove debt collection company PORTFOLIO Recovery from my XXXX, XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of {$1800.00} for several months. 

I have messaged PORTFOLIO Recovery several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay PORTFOLIO Recovery or the original creditor. I requested a photo copy of my id or a wet ink scanned signature. 

I have requested PORTFOLIO Recovery to provide a copy of certified letter and receipt that they claim that was sent to me. 

This company has not provided any of this after several request. 

This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of {$1800.00} came to be. 

It appears to a be a fake credit card statement and a fraudulent debt generated by PORTFOLIO Recovery. 

I have never agreed to this debt, i never signed any contract or agreement to pay this debt with PORTFOLIO Recovery or any original creditor. 

What methods are being used by PORTFOLIO Recovery to validate this debt as accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: OH

Complaint narrative:
every week for the past 2 months Penn Credit Corp at  XXXX either leaves a message or when call is answered a voice automated teller indicates that we owe a debt of {$74.00} to publishers clearing house. If we are submitting payment via mail press 1, if we can not make entire payment press 2, if we want to currently pay over the phone press 3 to speak to a representative. We have attempted to each prompt and to have our number removed by speaking with a representative and the calls continue. Today XX/XX/18 we pressed 3 to  speak again and it is now asking for a pin number to continue the call. In previous calls, it indicated that the amount was going to be removed from our XXXX XXXX account. This is a SCAM. We do not owe money to XXXX XXXX XXXX and want the calls to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation