vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I realized that there was fraudulent activity in my checking account. Someone had stolen my checks, and was cashing them. I flagged this to US Bank, filed an affidavit for each check that was fraudulent ( a total of 5 ), and also completed a police report as well as a written statement. After jumping through all of US Bank 's hoops, I received noticed that I would not be receiving reimbursement ( ~ {$1700.00} ) because I was " negligent with my checks ''. They 're essentially blaming me.

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 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I had a judgment on my account from XXXX XXXX XXXX that was removed because of the insufficient identifying information that is required for the account to be reported on my credit report per the new law change effective XXXX XXXX, 2017. They had this judgment twice on my credit report. As a judgment AND an account ( in which it was only a judgment ). This judgment that is currently being reported improperly needs to be removed immediately off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On X/XX/17 I contacted XXXX and verbally requested ACH debit authorization be removed so that my checking account was not debited. On X/XX/17, {$130.00} was debited from my account without my consent. I contacted customer service who saw that I had contacted them the day prior to remove authorization. They told me my only option was to contact my bank the next day, which I did. Now I have to dispute the payment through normal channels with the bank, meanwhile my checking account was overdrafted, causing important payments not to go through and charging me an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Transactions updates take long I 've been waiting for the update of payments sinceXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: MI

Complaint narrative:
I have not been able to get a loan for a week because the app unconnected from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Wrong person got the money and stole it ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AC AutoPay LLC, Denver, CO Branch
State: TN

Complaint narrative:
We have a title loan through autopay in XXXX colorodo. The balance was {$310.00}. The balance was sent to collections. On XXXX XXXX 2017 we called autopay to make the payment. ( cleared with bank XXXX XXXX 2017 ) They directed us to a collection agency with a number but refused to give us the name. We called and paid it that day. We were then told we would be receiving the title in the mail within 90 days. In the beginning of XXXX  we called autopay to find out if the title had been sent out yet, we were told it was not and that we needed to Contact XXXX XXXX. XXXX XXXX said they did n't have anything from us so we needed to call cpcrecovery. We called and they said we needed to email proof and they would send it to XXXX XXXX. So we did and then we were told they would send the title and to again allow 90 days. Here it is the end of XXXX and autopay is saying we never made a payment even with our proof being emailed, then they say they 're waiting for the funds to be released so we can get our title. The story keeps changing. Every call we make to keep checking on it they keep asking when we paid it. It 's like they 're not taking notes, acts like they never heard from us and not caring. It 's been almost 6 months since we paid it off. I ca n't work because we 're down to one vehicle because we 're being refused registration for the vehicle and my insurance is dropping the vehicle. We just want our title.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
On XXXX2017 I received a letter from southwest credit stating a debt of {$170.00}, I then had 30 days to dispute the debt in which I did. I sent a certified letter via USPS on XX/XX/XXXX along with a debt validation letter. On XX/XX/XXXX my credit report then reported a debt of {$170.00} and I received a letter from southwest with a copy of a cable bill on XX/XX/XXXX. This violates FCRA guidelines, for record this transmittal has been screen shot and will be submitted to my attorney as well as fox5 for deceptive credit practices.
I have no business or relationship dealings with Southwest and have no signed agreement or contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
I sent a letter to XXXX to REMOVE XXXX collection 's that have been paid from my report from Consolidated Recovery because they are not licensed in the state of Tennessee. But the items were not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
after my sudden discharge for the XXXX XX/XX/XXXXMyself and Family did experience a long period of homelessness. In XX/XX/XXXX filed my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From XXXX Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to XXXX XXXX XX/XX/XXXXand XXXXXX/XX/XXXX of which only XXXX was owed. I have called and sent letters of dispute to XXXX and their XXXX XXXX XXXX which is part of XXXX several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in fullXX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have a collection account listed on my credit reports by a debt collection agency, Midland Funding LLC, collecting on behalf of XXXX/XXXX. Midland Funding LLC is not licensed to collect in the state of Pennsylvania and therefore I am disputing this collection account. I tried to dispute this account with the BBB on XXXX XXXX,2017 and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I have a collection account listed on my credit reports by a debt collection agency, Convergent Outsourcing Inc, collecting on behalf of XXXX. Convergent Outsourcing Inc is not licensed to collect in the state of Pennsylvania and therefore I am disputing this collection account. I tried to dispute this with the BBB XXXX XXXX,2017 and was unsuccessful.

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 2017-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC
State: MS

Complaint narrative:
On XX/XX/XXXXI sent a letter to ARC management Group LLC in Georgia to verify a debt that was being reported on my credit report. This item was sent certified mail. The mail was returned to me and the address it was sent to is the one they report on my credit report. By laws the information is being reported is inaccurate sense the certified mail was returned. I have n't received any verification of this debt. I also disputed the item on my credit report through XXXX with the returned mail. This is violation of FCRA and FDCPA and the information ( address ) the company supplied is false. This item should be deleted from my credit file. The address used was XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX. As you can see the certified mail was returned. Equifax continues to verify the debt but when I tried to get validation the mail was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have repeatedly sent complaints against ARS collection agency. Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. ARS ( Account Resolution Services ) does not have an " active '' bond filed. ARS has stated they are doing business under another agency name XXXX, which also does not have an " active '' surety bond filed with the State of Texas. The results from my complaints are on file with the Consumer Financial Protection Agency.
ARS ( Account Resolution Services ) is the company reporting on my credit file. I have filed a complaint with the Better Business Bureau of Ohio, as well. The company changed status of some of their accounts on my credit file from " Open '' to " Closed ''.
I have also filed a fraud complaint with the Attorney General of Texas, after a follow up call with the Secretary of State of Texas.
All these actions that I have taken have occurred between XXXX 2017 and XXXX 2017.

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 2017-07-30 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: OR

Complaint narrative:
Back in XXXX, we were reapplying for our income based repayment plan. On XX/XX/XXXX we received an email saying they received our information. On XX/XX/XXXX, we received a message stating that our forbearance/deferment was ending with no indication of the repayment plan but still indicating that our payment would be {$160.00}, which was what we were previously paying. On XX/XX/XXXX, we received an updated payment plan, which was switching us to standard repayment of {$270.00}. I phoned them asking about the status of out repayment plan renewal and was told that I could ignore the standard payment and needed to wait until the committee looked over my application. On XX/XX/XXXX, they emailed in response to my phone call stating they had my tax return information and that they have estimates of repayment but no guarantees and that it could take 14 days to come to a decision. On XX/XX/XXXX, we received another email that our repayment application had been received. On XX/XX/XXXX, we received 2 different emails stating that we were missing documentation. One was for a section of the application missing information and proof of income. This was despite being previously told they had our proof of income. OnXX/XX/XXXX, they enabled that they needed my husband 's signature. This prompted another phone call. On XX/XX/XXXX, they emailed us saying they received our proof of income and it takes 15 days to process. On XX/XX/XXXX, we received an email stating that we were back in standard repayment with the higher payment due. On XX/XX/XXXX, after we had emailed them trying to clarify, they responded saying they needed a signature from my husband, reapply, and proof of income. I called them the same day and was told that I had filed the application our incorrectly and not to worry because we were still in deferment. We promptly typed a new application with my husband 's signature and emailed it to them with a message saying that we already had proof of income and tax returns on file. On XX/XX/XXXX, XXXX XXXX from Navient emailed stating she had submitted a request to expedite our request received XX/XX/XXXX along with proof of income received onXX/XX/XXXX It also said a letter would be sent to us when a determination is made. Today, we received 2 emails stating that the application was missing information and proof of income. We emailed them tonight saying that was impossible because we typed the application and had it in front of us and they already indicated they have our proof of income. Meanwhile, XXXX, my other lender, has already approved my repayment plan without any trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
I had a credit card from XXXX and they had a problem when I was in the store with their register. This resulted in multiple charges for the same purchase. They told me it was resolved.
Suddenly I get a letter with the amount of the transaction in collections from Sentry Credit in XXXX, Washington.
I went to their website and found the option to send a dispute message and I did this. I never received a response from them. This was inXX/XX/XXXX After two weeks, I decided to pay the charge and then try to dispute it through the credit bureaus.
I sent the payment by certified letter and asked them for a response to the dispute and then to at least credit the payment.
I never heard from them even after receiving proof that they signed for the payment. I am attaching the certified letter receipt from XX/XX/XXXX when the check was sent.
I then called them and got a very rude person who was not helpful in any way until I got forceful. He then told me that they had received the payment but that it was in storage because they could not show that it was paid while it was in dispute.
Until this day I have never received any correspondence from them and this was nearly 7 seven months ago!
It continues to show up on my credit as not paid and now as a chargeoff!
I called last week and they said they did n't know what I was talking about.
I do not know how to resolve this problem even though I have proof that they signed for the receipt of the money order for {$130.00}.
It is obvious that they are trying to hurt my credit and that they have no intentions to resolve this problem.
I have now had problems getting credit because of this small situation that I tried to resolve immediately.
My address at the time of this situation was different than now : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA 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 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
According to my credit reports from XXXX, XXXX, & XXXX, ProCollect is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State ProCollect Inc does not have a bond for the state of Texas to collect debt. ProCollect Inc is attempting an illegal practice of collecting debt in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I contacted PNC bank on XXXX/XXXX/17 around XXXX XXXX CST, in order to attempt to enroll in XXXX XXXX. I had just purchased a new phone and wanted to transfer over my banking information to my new phone which should have been an easy process. Out of all the accounts I am a cardholder of, PNC was the only one which required a phone call. It should not have been a big deal and I have no difficulty calling, however the blatant disrespect received by me due to the action of PNC was appalling.
The first person I spoke with asked for my SSN and a recent deposit into my account. Since my phone was new as I stated above, my PNC app was locked out. She advised me to call back, which I understood.
The next time I called back the woman I spoke with was extremely rude and asked me for my SSN again, and told me she would not assist me until I stepped into a branch. I asked multiple times for additional information or assistance, and she outright told me she would not help me. She told me she was going to be placing me on hold and when I asked why, she ignored me and went ahead with the hold. Five minutes later, she came back and said there was a problem with the phone. Over and over I asked where are you sending me and what is happening, but she ignored me and placed me on hold in the middle of our conversation. She also continuously referred to me as ma'am even clearly stating she thought I as a woman, which I am clearly not.
The next person I spoke with asked for my SSN, DOB, and my drivers license number before telling me to enter a branch. I continued to ask why, and was told he would not be assisting me. When I asked for information to track our conversation such as a name or ID, the Specialist refused and told me he would not speak to me further.
The " Supervisor '' I spoke with asked me roughly the same questions for the 3rd or fourth time now, and then said he did not have any other questions. He promised he would " warm transfer '' me to a Specialist. I waited on hold for 11 minutes, before the Specialist came on the line who had no idea who I was or what was happening. He did n't even tell her the issue or what was done because I still had to give my SSN and all my information again.
PNC bank has shown horrendously poor Customer service, and has discriminated against me based on my potential orientation and/or my gender. I have been a Customer for a few years now, and this is not acceptable.
PNC lied and mislead me through this whole process. I sincerely hope they take criticism and feedback seriously, because their discriminatory and judgemental procedures were extremely unfair and bias.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
PayPal Resolution Center ignored their own policies in the determination of a dispute or complaint. I submitted a complaint to PayPal with whom I tried to buy a remote control professional grade bait boat from ( ( Seller info XXXX ) ) copied from the payment page on PayPal name shown. PayPal never gave me any fair chance to prove what actually happened. NOW PayPal is STALLING me from my listed ability by PayPal 's own regulations, that I can file an APPEAL since I do not agree with their seemingly biased decision in favor of the seller. PayPal declared the CASE CLOSED XXXX XXXX, 2017. YET they have NOT officially listed my case as CLOSED. This means I CAN NOT FILE ANY APPEAL. The deadline for my Appeal is XXXX XXXX, 2017. I have less than one week left to file, but am PREVENTED by PayPal. In all that has occurred, it would appear to any reasonably intelligent person that PayPal Resolution or their Complaint departments are NOT treating buyers and seller impartial and with fairness. Seller was allowed to upload images and edited text messages. I was NOT given the same opportunity even after writing and asking how I could submit my images unedited which would PROVE my truthful accounting instead of the fraudulent accounting the seller provided. I 'd hate to think PayPal in any department is compromised and part of International Fraud, but this is exactly how it seems and the only logical explanation for all I have been through. I CAN PROVE EVERY WORD I HAVE WRITTEN IF ONLY GIVEN THE CHANCE. Will you help me before time runs out? XXXX XXXX XXXX XXXX, FL

Company response to consumer: Closed with explanation