vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 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:
The amount the company is telling me I owe is incorrect and therefore can not be reported without being able to verify the debt owed is correct, the only for them to know the debt owed is correct if for them to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX XXXX  XXXX XXXX to pursue collection and their licensing number, that I am requesting from the company before reporting it as verified and mine. I have requested Pro-Collect Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified. I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents. 

If they are unable to provide the full contract and explain why they have charged a reletting fee of {$2600.00} when in the partial contract they sent me says a reletting fee is {$1100.00}, then they are unlawfully reporting this debt!

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 2020-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Ordered a dining table XX/XX/XXXX and provided pictures of what we wanted it to look like. Top measurements were provided by merchant, not bottom. The company was supposed to provide pictures of base but did not. XXXX was supposed to be received on XX/XX/XXXX and delayed delivery multiple times. During this time the original company who was supposed to make it did not and it was given to a different company ( owner XXXX informed me of this ) We received the table on XXXX and had to send it back. The base was much larger than discussed and did not fit properly in our space. The table also had a large defect on the top and had places where it wasn't stained properly. We contacted the merchant who said she would work on providing a different base. She provided links to other bases and measurements and these were also too large. We asked for a refund and she wanted us to come in to discuss which we were unable to due to travel. She then said she'd replace a small portion ( 15 % ) of our fees which does not work for us. We do not have the table and she is withholding our refund. I contacted our bank which took the dispute but also said we should contact Consumer  Finance  as sometimes Square is viewed as just a money transfer and will not provide a refund regardless of circumstances. I also went on the Square site that does not mention this but wanted to go this route to make sure we get our money back so we can buy a dining table since we currently have nothing. Please note : the merchant did not inform me that she was using Square to take payment. She also says Terms and Conditions were given but I do not know what these Terms and Conditions were. Regardless, the complete wrong table was given to us and she will not refund us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates
State: NY

Complaint narrative:
this comment is outrageous they want to charge me after cancelling service XXXX dollars money I do not have they refuse to offer me a settlement they turned me over to a collection agency I'm unemployed and contacted them to tell them they don't care they want the full amount which I can't afford threatened me to ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services
State: KS

Complaint narrative:
As of XX/XX/XXXX to XX/XX/XXXX I have paid you {$680.00} but when you add XXXX thru XX/XX/XXXX which is {$380.00} that total is {$1000.00}. I only borrowed {$600.00} even with high interest it would have been {$800.00} in XXXX you said I owed {$320.00} so with that being said you went over {$73.00} but with paying you over a thousand dollars youshould owe me {$270.00}. I know about high interest because I have a title loan and it only get no more the {$200.00} more then what I paid. If I dont get my {$270.00} back that is owed to me I will take this to court and call the XXXX  XXXX  XXXX  and report you for over charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX name & XXXX data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.

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 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX  name & XXXX  data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.

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 2020-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
So I am working with bridge crest financial to get my loan back up to speed, I have XXXX XXXX XXXX  XXXX and have a hard time talking.So on XX/XX/2020 XXXX i set up a payment agreement with XXXX a supv. at bridge crest and may sure I would not receive anymore calls till XXXX sure enough on at XXXX XXXX  on the same day, received a call harassing me.so i called back at XXXX XXXX   and talked to XXXX and she said she would look into it. so this morning sat XX/XX/2020 at XXXX XXXX  i get a call back saying that were sorry about call and that that would educate csr and manager. i am under doctors  orders to talk as little as possible, last year they compensated me XXXX for calling at XXXX XXXX  for my agreeing not to file complaint. now the wont or refuse to compensate me for harassing calls after admitted fault and violating laws regarding harassing calls. i have all recordings of calls since XXXX is a one party consent, and screen shot of call made to me.Attached is number of XXXX that was called at XXXX XXXX  that was in violation

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 2020-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
XXXX - failed to process income based repayment application loan interest capitalized XX/XX/XXXX - updated income for income based repayment plan. incorrect calculation. 
XX/XX/XXXX, corrected income calculation. Counted as lapse in payment plan - capitalized interest XXXX in interest. restarted clock on time payment forgiveness. 
XX/XX/XXXX, XXXX submitted income based repayment plan renewal form and income information. XX/XX/XXXX, income based repayment plan expired, interest capitalized {$12000.00}. restarted clock on payment forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I withdrew my dispute case of Citi credit card on XX/XX/2020 just because I hit the wrong number. I should dispute {$12.00} instead of {$30.00}. But online status always shows {$30.00}, so I want to withdraw it and reopen the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen loan account # XXXX XXXX XXXX I am unable to log in or receive my year-end tax information for 2019.

The company with my information was Ocwen loans now the website is PHH mortgage questions.

I have followed the website information.

I talked with a rep. at PHH mortgage ( unable to locate information ) Forgot password and user name.

called with account information through the automation system.

I need my 2019 tax information to complete my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Looking into my XXXX. I see that I have over 18 reporting within 2 weeks period. A lot from car dealers and XXXX. However I myself personally have not applied for a new car or XXXX. And trying to contact all of them at once its hard to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Looking into my XXXX. I see that I have over 18 reporting within 2 weeks period. A lot from car dealers and XXXX. However I myself personally have not applied for a new car or XXXX. And trying to contact all of them at once its hard to do.

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 2020-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I defaulted on a judgment order with Midland for {$4400.00}. Midland sent me an official notice on XX/XX/XXXX that a lien had been placed on my property, by the county, until the debt is paid. Midland is not allowed to garnish my wages in PA. On XX/XX/XXXX, over {$7500.00} was removed from my bank account. I never received notice from Midland or the bank that this was going to happen. I have also been told that I will not have access to my account until I pay the balance due. I contacted Midland to ask them to have the bank release the money directly to them. They said no, I need to come up with the money from somewhere else. The banker and I tried to contact the Midland lawyer, but all of their phone numbers are directed to someone to take a payment. I was told that you can not talk to the lawyers. I can try to email them. The writ of execution that they signed has frozen my bank account. I have no access to any of my money ( the money in there was actually my daughters federal loan for college that was just deposited ), and Midland will not offer any help and kept asking me for my debit or credit card to pay the balance. Extortion?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I HAVE NO KNOWLEDGE OR AUTHORIZATION OF THIS DEBT. I WAS IN MICHIGAN DURING THE TIME DEALING WITH MY XXXX. I ALSO HAVE XXXX XXXX XXXX INSURANCE THROUGH THE GOVERNMENT AND GO THROUGH XXXX XXXX CLINICS ONLY. THEY COVER ALL MY MEDICAL NEEDS & EXPENSES. I SHOULD NOT HAVE ANYTYPE OF MEDICAL BILL FROM THE DEBT COLLECTOR BELOW : Commonwealth Finance Opened XX/XX/2020 - {$780.00} Original creditor : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: LEXISNEXIS
State: MI

Complaint narrative:
I tried to have Bankruptcy removed from LexisNexis report.On XX/XX/2020 I received a letter from LexisNexis dated XX/XX/2020 that doesn't state anything removing All bankruptcies from there report ( s ). 
Consumer Number : XXXX Case Number : XXXX XXXX, XXXX, XXXX has removed the Public record " Bankruptcy '' from the credit reports except LexisNexis.The 10 years is up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I initiated a balance transfer from my XXXX  credit card, specifically a Double Cash Card, to my Chase credit card, specifically United Airlines card, which registered on my statement on XX/XX/XXXX. I was charged a balance transfer fee on the XXXX  on XXXX when it was completed. However, the payment of {$1400.00} was never applied to my Chase United card. I contacted Chase regarding the issue and was told that a temporary credit would be applied on XXXX as they did an investigation. On XX/XX/XXXX, I received notice that they had completed their investigation and found no evidence of payment so my temporary credit was removed. At this time, I have charges for the same amount on two credit cards but both credit cards have been notified of the issue and neither has resolved the issue. I have the most concern and grievance with Chase for depositing a check that they did not properly apply a credit or investigate any questions or concerns for a check despite it being months that they should have noticed and resolved this issue. Additionally, it is frustrating that online customer service can provide little support and that the credit card company is wasting my time by not solving a problem that is their fault. They deposited a check without properly applying the credit and then did a poor investigation without contacting the issuer of the balance transfer despite being provided the contact details. There should be a standard for handling balance transfer issues that is industry-wide that does not place blame on the consumer. Credit card companies should work together and have a better system to handle these issues. Checks should also not be deposited if the details do not match up or if there is any question about where it should be applied. I demand another investigation and the removal of the credit on one of the accounts, preferably the Chase, as well as any fees incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MI

Complaint narrative:
I look at my LexisNexis report on XX/XX/XXXX and noticed inaccurate possible fraud.Under Insurance Policy records for automobile it shows I owned vehicles I never owned. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know the XXXX  XXXX  XXXX  was owned by my ex-wife XXXX XXXXWe have been divorced since XXXX ... ... case number XXXX XXXX county Michigan.Why is that on my LexisNexis report? Was there any fraud? I never owned this vehicle Also it shows under insurance a XXXX XXXX under additional names.XXXX  XXXX is XXXX XXXX ( exwife ) nephew.Why is he on my LexisNexis report.XXXX  XXXX is currently XXXX XXXX in a Michigan XXXX. 
Me and XXXX XXXX were only married a few years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This isn't my account, and the inquiries weren't authorized.

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 2020-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, my wife and I went to XXXX XXXX to purchase some furniture. As part of the store credit card, we were offered 12 month interest free financing. We purchased 3 items, all expected to be delivered on different dates. The charges were processed on the days they were shipped and in the process, only the first item shipped under the " promo '' of interest-free financing. After a few months of payments, we realized we were being charged interest and contacted Comenity, the bank responsible for the XXXX XXXX Credit Card. We filed a dispute for the finance charges and were told it would take 60-90 days to investigate the dispute. At that point, I paid the entire balance on the account off except for the disputed interest charges. While we waited for the dispute to be investigated, Comenity continued to charge interest and late fee payments on the amount in dispute. I called and asked why they are charging interest and fees on a disputed amount about 45 days after and they said that it was still be investigated and I would need to wait until it was resolved to get an answer. On XX/XX/XXXX, Comenity issued a finance charge credit for the disputed amount, essentially agreeing that there should have been no interest charges charged, however, additional charges of {$71.00} of late fees and interest has been charged on the disputed amount. I called today, XX/XX/XXXX and spoke to a supervisor named XXXX who told me that I would still be responsible to pay the remaining balance as it was charged after the dispute was put in place. However, if this account had been set up with no interest, the account balance would and should have been {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have tried to reach this company ( National Credit Systems ) concerning a debt on my credit report. There is no address or phone number to reach this company. Please remove the amount of {$500.00} from my credit report. This debt was over seven years ago which is past the statute of limitations. The company has changed the dates to make it look as if the debt is current to collect on. Thank You

Company response to consumer: Closed with explanation