vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
in 2017 i did a payday loan with ace cash express and due to becoming XXXX i have been unsuccessful paying the loan back but every day the company calls my phone harassing me with scar tactics sating they are the XXXX XXXX County and charges are being brought against me it has caused a great deal if stress upon me and im currently facing stressful things in my life today the way this company harasses me everyday is adding the pain of stress that im already dealing with it, i really wish they would not call my phone this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
When the original debtor XXXX XXXX XXXX had this account I couldnt even get in touch with anyone in that office to pay it off. This was before they even had the online payment thing going. Then it was transfered to a collection agency which I did contact as soon as I received notice and I offered to pay it off but could only pay half and I remember I was refused at that time. I haven't even received anything from this company in 2 years and they still hijack my credit and somehow seem to report it but they dont and have not been sending me any kind of paper mail on this matter. This collection agency is not applying to the laws of notification of debt therefore they have broken the law. 
Amount of debt : {$280.00} Americollect XXXX XXXX. XXXX XXXX XXXX WI XXXX 2 years I have not received anything anf yes I have disputed this and still didntnr eceive anything. It appears as though they just decided to let my credit suffer. I offered to pay half off and was refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
This company has put a writ of execution on my bank account on XX/XX/XXXX and is holding it for 30 days. This credit card debt is 10 years old and prior to this in XXXX there was a lein that was put on my property for this debt in the amount of {$1600.00}. 
So when my bank emailed me saying my bank account was at a negative I called this company the very next day because I never received and email from my bank until the evening. Now this company is saying I owe {$3200.00}. All of a sudden not only are they trying to collect on a debt that already has a lein but also a credit card debt that is 10 years old and I am sure that my last payment made on this credit card was about 11 or 12 years ago. I have all documents required to support this. I did call them immediately and said how can you collect for a credit card debt that has a lein on my house already and also for something that is 10 years old. Of course they said they can and then they cant discuss anything until my 30 days was up.

I may be wrong but a Judgement lein is only good for 5 years on your property and this was not renewed. So this company is collecting for a debt that is 10 years old. I also believe that credit card debt in Pennsylvania has a statue of 6 years from the last payment made which I'm sure was in or around XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Good morning, UAS is the account holder for my XXXX Perkins loans. The total of the original loan is {$2100.00}. The total balance now is {$2300.00}, and the amount due is {$410.00}. 
I contacted them to try and extend my forbearance and was told that I would have to make a {$300.00} payment before I could apply for any other benefits. All of my federal student loans except these are on an Administrative Forbearance because I have filed a Borrower 's Defense application. This is because XXXX lost in a lawsuit with the FTC for deceptive marketing practices. I was a student that received a check because of it. I informed UAS about my status and on top of that I can't afford those payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I was never notified of the debt owed ( {$33.00} ) until it hit my credit report and still have never been contacted by them. This is not okay. Especially not when it involves someone elses credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I returned the equipment ( mobil device ) to the XXXX store and cancel the account, around 7-8 years ago.. 

They said that I didn't. So XXXX started to bill me for the mobile device, then after a couple of years, they changed the debt to it was for calling services ( I used to have an unlimited plan ... ) and recently they change the date to XXXX. The original date comes from XXXX .... 

They want me to pay for their mess, they change the supposed reason for the debt and the dates to justify the collection ... they try to deceive me, to harm me ... 

By the way, I have my mobil service with XXXX XXXX XXXX since XXXX XXXX or XX/XX/XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
In XX/XX/2019, I made 4 payments via my XXXX XXXX  bill paying service. 2 payments were credited to my Barclay XXXX XXXX MC account and 2 payments ( XX/XX/XXXX {$100.00} and XX/XX/XXXX {$200.00} ) were not. They all came from the same source. I contacted Barclay and faxed the images both front and back of the checks from the two payments in question. After several calls and message exchanges, I have yet to have an answer. In the last conversation, the representative stated that my case had been " escalated '' but there has been no contact at all ever since. I refaxed all the information including redacted XXXX XXXX Statements showing the money leaving my account. The cashed checks went to a XXXX XXXX account with as Barclay 's stamp.

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 2019-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The company failed to maintain the autopay amounts on my Sears credit card account. This resulted in the following fees/finance charges being accessed to my credit card account. 

I have attempted to resolved the issue with the bank directly. They have failed to properly resolve the complaint. Please refer to attached file for a complete description of issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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:
This company has put a writ of execution on my bank account on XX/XX/XXXX and is holding it for 30 days. This credit card debt is 10 years old and prior to this in XXXX there was a lein that was put on my property for this debt in the amount of {$1600.00}. 
So when my bank emailed me saying my bank account was at a negative I called this company the very next day because I never received and email from my bank until the evening. Now this company is saying I owe {$3200.00}. All of a sudden not only are they trying to collect on a debt that already has a lein but also a credit card debt that is 10 years old and I am sure that my last payment made on this credit card was about 11 or 12 years ago. I have all documents required to support this. I did call them immediately and said how can you collect for a credit card debt that has a lein on my house already and also for something that is 10 years old. Of course they said they can and then they cant discuss anything until my 30 days was up.

I may be wrong but a Judgement lein is only good for 5 years on your property and this was not renewed. So this company is collecting for a debt that is 10 years old. I also believe that credit card debt in Pennsylvania has a statue of 6 years from the last payment made which I'm sure was in or around XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has a payment system called BillPay. I made a payment on time outside of that system and when I opened the application, BillPay indicated that I had a late payment. I paid again because I was informed I was late and did not want to be late. However, after I made the payment, I believed that my payment was already made and timely and that I did not owe the amount. I called Bank of America who confirmed that I was not late. However, they refused to correct the error and BillPay continued to show that I made a late payment, which was false. Bank of America is now claiming that such false statements about late payments is entirely acceptable because the automated process was simply delayed. Unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XXXX, I received an email that my card account was closed. I called Discover customer service and they stated it can not be reopened and was closed due to inactivity. They attempted to transfer me to XXXX XXXX, who was closed and hung up on me. I called back was provided the number to that department directly. I called once they opened and was told the account could not be reopened. They stated it was closed on XXXX and a letter was sent that day advising me of same. The email I received on XXXX states it was closed effective the date of the email. Im receiving conflicting and wrong information from them. I just want my account reopened. Theyve closed it without notice which is bad business. 

Im a young consumer purchasing my first home. Closing my credit card can be harmful to my mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed fraud reports with identitytheft.gov as well as police reports about two auto loan accounts on my credit report with equifax which has not been resolved. I recently purchased a home and didn't know that the accounts were on my credit report all other major bureaus was successful except equifax. 

XXXX XXXX XXXX from XX/XX/XXXX stated that I have a balance of {$8900.00} which I disputed and they said it was a joint account but never said who the joint person was. 

XXXX XXXX XXXX from XX/XX/XXXX shows a balance of {$20000.00} which I disputed because I have no clue of this account as well. I have never purchased a new car and I always buy cars cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was told by US BANK that they were not reporting my accounts back to my credit report even though the mortgage has been modified and the auto loans was just listed in the chapter XXXX bk that was dismissed in XXXX 2018 due to payment amount being increased. I was still making the payment for the auto loan with US bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC
State: NC

Complaint narrative:
Because of a XX/XX/XXXX hospital stay and a billing error, bills were sent to XXXX instead of the V.A.  where I have 100 % coverage. I submitted a dispute to the V.A. to pay this bill on XX/XX/XXXX and again on XX/XX/XXXX. I am still waiting to hear from them. On XX/XX/XXXX XXXX Flagged a PMAB llc account to my credit report in the amount of {$1300.00}. It went right to collections without any notice to me. I was not given the chance to notify them it was being disputed. I also wasn't notified when XXXX flagged my credit report on XX/XX/XXXX. Therefor I wasn't aware until XX/XX/XXXX when I was flagged the second time. I feel this is in violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have contacted Nelnet a year ago to make a {$9000.00} payment and agreed with them to pay {$9000.00} per year which is more than one year of payments. They agreed with this and said they would make a note of it in my account. Last month I received a payment due email, so I called them, and they were confused, and had no record of the {$9000.00} payment agreement. I uploaded a document about this to their customer service. Yesterday I got another email about payment due, and this time the payment was {$160.00} more then last month. Clearly they don't understand simple math. With me only doing subbing as a teacher than working a full time teaching job ( long story ) we live month to month. This " annual '' payment is being taken from my husbands IIRA account following the instructions of our tax advisor. We don't have any more money for their random billing. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have tried to contact both agencies without no information from either one of them no account number no account when it was open no count who opened it and when was it open when was it closed neither one of them talks to me I will give me any information thats my dilemma

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
We learned on XXXX XXXX, 2019 that Experian mixed the bankruptcy case of an online company withour company 's credit information and this mixup shows up on our company 's credit report at Experian. We finally got through to Experian after over 5 hrs. of trying to contact them on XXXX XXXX only to learn that we had to email them the complaint info to start the complaint procedure. We filed it on XXXX XXXX, 2019 and received an email acknowledging our complaint later in the day and that it would take a maximum of 4 - 6 weeks to complete and we will receive a letter when they are done with our complaint telling us what they decided and what was done. Yesterday we received an email from Experian stating that the complaint has a no. and has not been assigned to anyone yet and that we won't receive any more emails from them. In order to get updates, we would need to set up an account with Experian. This has all been done. I also have Sen. XXXX XXXX and Rep. XXXX XXXX 's offices working to rectify this problem. At this time we at my company have 17 hrs. into trying to rectify this problem. Experian has not said anything on how they intend to repair our credit after the issue is fixed since it is still on our account until they fix their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried multiple times to have my Experian account updated correctly. I have sent multiple dispute letters, and have yet to receive a response and/or correction to my accounts. Experian has been unable to validate accounts and is erroneously reporting negative information. The following information can not be validated and should be removed : XXXX XXXX, XXXX XXXX  & XXXX, XXXX 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 2019-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent all the paperwork required by the ftc as stated in their recovery steps on the website! TransUnion did not remove!? I called TransUnion and the man said he can not remove The adverse accounts only can file a 4th dispute!? TransUnion has not removed the adverse after over 30 days and did not pass on the information to the other 2 CRAs I am a victim of identity theft and sent paperwork, police report & proof of identity -drivers license but it remains on my report and he said he can only file yet another dispute asking merchants to remove? 
i wasnt asked if I wanted identity theft so why should it be up to the merchants to remove me from the report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
on XX/XX/2019 I tried to cash out my money from cash app to my bank card I was told that my account has been closed and then I should link a new debit card to withdraw my remaining funds every debit card and credit card that I've linked is not compatible with cash app there is no operator to speak with only voice animated replies I currently can't withdraw the funds or send the funds to someone else ... I have no idea what to do now I've been trying for two months now

Company response to consumer: Closed with explanation