vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
I received an invoice from XXXX XXXX , XXXX saying I owed {$210.00} for an unpaid balance to XXXX XXXX. They did not say the date of the bill or what it was for, just the company. They immediately offered to drop the amount to {$150.00} if I called or paid it within 30 days of the invoice. I've been receiving a ton of calls recently as well that I have not answered because I didn't know the number. 

After receiving this invoice, I immediately thought it to be a scam as I have not had a XXXX  bill in I don't know how long. Actually it could be over 10 years and it was for cable. I also know that everything has been paid and I owe nothing. So I did some research online and it looks like they try to collect on things that aren't even owed. I called to let them know I didn't have bill. 

When the lady answered she immediately asked if this was, ( said my name ). I said " This is she. '' And then she said the reason I'm calling is because of a debt you are owed. This conversation is being recorded for collection purposes. I said, first of all, I called you. You didn't call me and I don't owe anything to this company. How did you get my name and this " supposed '' debt amount. She then asked for my social security number. I refused and said I don't give that out. She said I owed a bill and they are trying to collect and again asked for my social so they could verify the information and tell me what exactly it was for. I again said no. Then I said they should remove my name and number from their calling list and not to call again or I would notify the police. She then hung up on me. 

So far nothing has shown up on my credit report. Hopefully nothing will or I will be furious.

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 2018-05-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Information that was removed from my credit report according to XXXX XXXX. This was over 6 months or so ago when I disputed the accounts and they were removed. As of XX/XX/2018, when I checked my XXXX XXXX account, these accounts were put back on my report. By law, this is illegal. There must be something in writing concerning this. I have not received anything. This is causing henderence to my credit report and score. I would like for Equifax to remove these and keep them off. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The CFPB was great with my last complaint with the banks and credit card companies. However, there is another issue no-one ever seems to consider. I am certain that this experience has happened to you too. Now remember, multiply my complaint by 10 million customers every day and the money adds up. OK, you buy something, the credit card companies bill you immediately. Now, you return this item for a credit. Why does it take up to 8-10 days before you get your money on your card account??? They took the money with no problem, but when it comes to returning it, it takes 8-10 days. Imagine 10 million people every day waiting for their money to return? Meanwhile, the banks with the credit cards are using your money elsewhere and making money off your money, while they put you on " HOLD ''. 
It seems to me that anything the banks do, is always to cheat the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Mortgage One Solutions, Inc.
State: DC

Complaint narrative:
Have dealing with XXXX XXXX ( One mortgage solution ) to consolidated my account, provide 2 check XXXX usd and XXXX usd paid to his account XXXX XXXX, the credit was running on XX/XX/XXXX all account listed will be included for consolidation, but now on XX/XX/XXXX still open, Mr. XXXX refuse to provide details on settlement. I been contact him many times but no respond id cell is XXXX. 

I might not be smart to attach the checks and all comunication with Him, but i will upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a notification of a negative credit entry being added to my credit report. This negative entry dropped my credit score by 15 points right away. The credit entry stated that I have a past due bill from XXXX XXXX and that Southwest Credit Systems is the assigned collection agency. I am currently a XXXX customer and began service only 3 months ago. During my installation of my current service, I was not told that I owe a past bill, nor do I have any recollection that I owe XXXX from a previous service contract. On XX/XX/XXXX, I reached out to XXXX about this negative credit entry and the individual I spoke with advised me that this was for a bill where disconnection of service was from XX/XX/XXXX. The XXXX representative would not give me any details about the bill only that It was on their files. Neither XXXX or Southwest Credit Systems attempted to contact me about this alleged past due bill even though I am a current XXXX customer and they have all my up to date contact information. XXXX and Southwest Credit Systems are obligated to contact me first, present verifiable information to me so that I can have an opportunity to address the alleged past due bill before posting the information on my credit report/file. This was not done, and I was given no prior legal consideration or notification. The credit entry claims the file was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/XXXX I used my Debit card ending in XXXX for a purchase of {$390.00} as debit. The merchant explained this charge may accidentally have been put through twice, however I did not see it pending on my digital banking tools ( Website or Mobile App ). I called PNC Bank on this day to explain to a representative the situation. The representative did not have record of this transaction either. I checked my PNC account digitally on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX diligently to make sure this possible duplicate charge did not cause me to overdraft however this charge of {$390.00} never showed up. Also, I made a mobile check deposit of {$1000.00} on XX/XX/XXXX to ensure if this charge was to have been duplicated that my account would not be overdrawn. To my surprise on XX/XX/XXXX I was charged 4 overdraft fees of {$36.00} each and noticed that the charge of {$390.00} was duplicated. I spoke to the merchant and they agreed to refund one of the charges of {$390.00}. Now at no time from XX/XX/XXXX to XX/XX/XXXX did my account ever show a negative balance on my online banking so I called PNC on XX/XX/XXXX to ask for the fees to be removed. I explained to the representative that I have a low balance email notification setup with a threshold of {$100.00} but I never received a notification saying my balance was less than {$100.00} so I asked the representative to explain why I received the fees as this is misleading based on the information provided to myself from PNC on my digital banking. The rep said there is nothing they could do. I think this is highly unfair as I proactively tried to prevent this and on top of that using the digital tools that PNC provides was unable to properly assess if I was in danger of overdrafting. I would like all 4 of the  {$36.00} overdraft fees waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
Received a letter on XX/XX/XXXX stating I owed almost {$1800.00} to XXXX XXXX. I called the company ARA Inc.on XX/XX/XXXX to inquire about this. Yes, this letter got misplaced in the shuffle of mail in my house. They said it was a XXXX credit card from XX/XX/XXXX. A card from 15yrs ago that I know nothing about. She kept saying there are no statute of limitations, this needs to be resolved right now. I told her I would get back to her in a couple of days and she said I have till close of business today or I will be sued. I told her I would not be calling her back today, I will call back in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
i have told them that i can't make the payment because i have enrolled in school and trying switching jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/2018 I sold my car to XXXX XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when a different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting on XX/XX/2018 I sold my car to XXXX XXXX  XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when I different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting A copy of the statement that shows that they were supposed to give me the checkThey owe me {$3000.00} and I feel like I have been lied to and swindled I am an elder person XXXX years old

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I moved out of XXXX XXXX XXXX which was managed at the time by XXXX XXXX ( creditor ) at the end of XX/XX/XXXX. Around XX/XX/XXXX I started receiving calls from the collection agency regarding a debt which I knew nothing about. I requested documentation to verify the debt in which I was told I would need to contact the apartment complex. I did this and still never received this documentation. Out of fear that this would go on my credit report, I settled with the collection company but I was told at the time that if I settled, it would not be reported. Fast forward to now, I pull my credit report and this collection is on my report. I have called the collection agency and requested that this be removed from my credit report but I have been denied this request. Also, one male representative or manager in particular that I've spoken with twice has been extremely rude and actually called me a " liar ''. Honestly, this collection agency should not even be in business Their business practices are unethical and their employees are beyond rude which can be seen just by reading reviews on this agency via the web. I have also tried to contact the creditor in which I was told to email someone by the name of XXXX XXXX and XXXX XXXX but nothing happened and I did not receive a response.

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 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Even tho I have no contract with these people I tried to settle the debt for {$34.00} we both agreed on and these crooks still have not removed this debt from my credit reports and their derogatory mark!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: Credit Karma, LLC
State: MS

Complaint narrative:
Information that was removed from my credit report according to Credit Karma. This was over 6 months or so ago when I disputed the accounts and they were removed. As of XX/XX/2018, when I checked my Credit Karma account, these accounts were put back on my report. By law, this is illegal. There must be something in writing concerning this. I have not received anything. This is causing henderence to my credit report and score. I would like for XXXX  to remove these and keep them off. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/2018 revolving credit bill for {$200.00} sent *** XX/XX/18 - payment of {$200.00} credited to my account *** XX/XX/2018 - bill for {$2.00} finance charge sent for payment *** XX/XX/2018 - after XXXX, {$2.00} fee refunded *** About XX/XX/2018 I filed complaint with PA XXXX of Attorney General concerning improper ( fraudulent? ) transaction/interest fee imposed on XXXX XXXX XXXX XXXX XXXX XXXX complaint read ... On or about XX/XX/2018 I made payment of {$200.00} which was the total amount owed on my revolving XXXX account. This was payment in full on the account. Subsequently, XXXX sent a bill for {$2.00} due on XX/XX/2018, ostensibly for interest due. The billing statement on the back states ... we eill not charge you any interest on purchases if you pay your New Balance by the payment due date each month. ... This bill for {$2.00} violates that agreement. XXXX XX/XX/2018 XXXX responded that ... the {$2.00} interest charge on your XX/XX/2018, billing statement was for the interest charged on your account due to the balance you carried over from the previous billing period. Specifically, you were charged interest for the balance between the last bill date of XX/XX/2018 and the date XXXX XX/XX/2018 ), that your {$200.00} payment was received for your account. ... *** When I spoke with XXXX XXXX ( XX/XX/2018 ) she insisted that interest charged was due to credit extended between XX/XX/2018 billing statement date and date payment was actually received ; that XXXX XXXX XXXX XXXXk ( XXXX ) made such charges part of their credit agreement ; that the XXXX credit card disclosures, paragraphs when interest charges begin and grace period on purchases allowed that interest charge.

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 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
Please refer to complaint XXXXXXXX is alleging that I owe $XXXX which resulted their breach of contract.  Also, I did not have a signed contract with XXXX.  XXXX, Diversified Adjustment Service, XXXX XXXX XXXX, and XXXX XXXX are all represented by XXXX.  These companies have failed to provide the, oral contract, that I had with XXXX.  I request a transcript of this oral contract on about 15 different occasions over the years.  XXXX breached its contract with me and that breach resulted in the alleged debt of $XXXX.On dozens of occasions, with XXXX  and their collection agencies, I have tried to settle this debt to avoid the horrible tactics of the collection agency.  Finally, the CFPB ordered this debt from my credit report but now XXXX is circumventing your agency by emptying another debt collectors named diversified adjustment service.  To be clear, I do not acknowledge this debt.XXXX  has been notified in writing to cease and desist communications but they are not obeying that order.  The collection companies have not been operating in accordance with the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My entire correspondence with Citibank is contained in the six PDF files enclosed. This concerns the Citibank 2% cash back card. Providing no reason or justification Citibank terminated my account which is never suffered a penalty and been in effect for over 10 years. They refuse to provide the 2% cash back which I have earned too many months of usage of their card. Please read the enclosed

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 2018-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
The fees associated with the auto loan in question were not detailed. The amount owed never seemed to decrease through the loan term.

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 2018-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Key Star Capital, LLC
State: MD

Complaint narrative:
I called them and told them I have XXXX and give me till XX/XX/2019 to pay the rest they called me an XXXX and told me I'm gon na lose my house and hang up on me the rest been trying to take my house from day one

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have several accounts listed on my credit report that were disputed. The credit reporting agency in return stated the accounts were verified. I know for a fact none of these accounts belong to me. I have spoken to each of the companies and they can not find anything with my personal information. When I talk to the credit reporting agency they refer me back to the company. No one is taking accountability to have these inaccuracies removed from my report. 

XXXX XXXX {$180.00} XXXX XXXX $ XXXX XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$540.00} XXXX XXXX {$420.00}

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 2018-05-16 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: NJ

Complaint narrative:
On XX/XX/XXXX i receive my direct deposit as always, And on the very next day XX/XX/XXXX my money was gone. I call amex customer services to file a claim on a transaction for the full amount of my paycheck of {$1200.00} dollars after few days they reply on a piece of email saying that the transaction was authorized therefore my account is no eligible for a refund aparently someone login in to my account and schedule a transfer to their own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I was in a no fault accident. I was hit from behind in a 4 vehicle collision in XX/XX/2018. and the car was not driving as it should have commerce agreed to pay car off in full credit acceptance agreed to communicate with commerce claims to get money for vehicle and commerce is giving me a hard time with paying off car so now credit acceptance taking attitude out on me threatening me to take to court and ruin my credit. I received about 2-3 calls a week after I asked them to please stop CALLING ME I HAVE NO POSSESSION OF VEHICLE. XXXX XXXX agreed to pay off car so they need to deal with commerce I have not had this vehicle since XX/XX/2018. I explained manny times this has affected my health drastically and interference with mental health causing more medical issues because of panic attacks and harassment. I explained I get XXXX social security not working. They are inconsiderate and yell and argue with me like crazy people in Street. Unprofessional and inappropriate customer service. They always say OWELL YOU REQUESTED LOAN NOT US.

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