vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: CO

Complaint narrative:
I am cleaning up my credit and had a debt with pro collect incorporated. So i called the company to pay my balance owed in full. After getting nothing but rudely ran around on I finally was told that my file is closed and only one person Mr XXXX, can deal with me. After emailing him I received a call from him and couldnt believe this was real. He was so aggressive, hostile and rude. I felt like I was arguing with my sister. Yelling over me completely. Hung up on me after screaming at me. For asking basic questions about credit repair. So I still had not paid the only debt I have to pay. I called back and again had the same issue. Thankfully the calls are recorded. So after more arguing he finally hangs up. Said he was the boss I cant complain because he is in charge. And literally I went straight to XXXX to see who I could complain to. Found over 300 reviews saying the exact same thing. All of their tactics are illegal. Overly aggressive. Its not illegal to ask for pay to delete. Thats the point of paying. So two days later and still trying to figure out how to pay this debt. Ive been hung up on by everyone at that XXXX  business. They will not accept card payment. Only through XXXX  or XXXX  XXXX. Gave me wrong account number and wasted my trip to XXXX  as a single mother with a baby. Avoid pro collect incorporated and their trashy employees.

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 2019-02-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Filed a complaint with the attorney general 's office regarding XXXX XXXX XXXX XXXX account # XXXX, reporting an account on my credit report as payments being made when there are no payments being made, thus re-aging the debt. XXXX XXXX XXXX stated that they do not control how the debt is reported and that is up to the credit bureau. Equifax is thus responsible for the inaccurate reporting of this account on my credit report. I am requesting the deletion of this account from my credit profile. The FCRA requires all credit reporting agencies to report 100 % accurate information. This is incorrect and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cawley & Bergmann, LLP
State: SC

Complaint narrative:
XX/XX/2019 Contacting family members and disclosing personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
>XX/XX/2019 opened CD online with {$12000.00} for 9 mo term ( 2.1 APY ). I was not given a chance to print or to download disclosure but I received it by mail later AFTER I had asked for it. 
>XX/XX/2019 Saturday closed it US Bank charged 6 mo interest penalty plus {$25.00} for early withdrawal penalty fee {$120.00} + {$25.00} = {$140.00} It gave me credit for the accrued interest {$18.00}.

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 explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
My student loans of over {$90000.00} were automatically transferred over to XXXX when I applied for PSLF on XX/XX/XXXX, and I have had nothing but trouble since then in dealing with this company. Because of the timing of when the loan got switched, they did not have a record that I had made a payment for XX/XX/XXXX. My income-based payment plan also did not transfer over, so not only did I suddenly have a late payment on file, I also now owed the standard repayment amount of over {$1000.00}. They then incorrectly calculated my income-based payment number. When I alerted them of this, I was told that they'd put my account in a courtesy forbearance for two months ( during which time I was not able to make eligible payments on my loans towards PSLF ). After several more phone calls, I finally confirmed that they'd applied the missing payment correctly and that I was now paying the correct amount ( I think this was sometime in XX/XX/XXXX ), but also noticed that they had still not accurately counted the number of eligible payments towards PSLF that I had made. 

I have called following up on this numerous times, and each time am told a different thing. In XX/XX/XXXX, I was told that the count was wrong because I had a " paid ahead '' status on my account for a monthly payment that had reset my count. I was told that that would be resolved. 

Today, XX/XX/XXXX ( SIX MONTHS LATER ) the representative told me that yes he saw that I was waiting on the updated and accurate count, and that they have been aware of the issue since at least XX/XX/XXXX ( NEARLY A YEAR ), but that he could give me no indication of when it would be processed except for, " it will happen. '' I asked to speak to a supervisor and he told me there was no one who could expedite the process for me. 

I have a little over 4 more years left on my loans, but am truly worried that XXXX will not have an accurate count ready when it comes time for me to apply for forgiveness. I feel that I have no recourse in dealing with this situation since XXXX is the exclusive servicer for PSLF and that XXXX can do whatever they want on whatever timetable they want. Waiting a year to get an ACCURATE count of eligible payments ( to date I have made 68, the calculation of which took me about XXXX minutes from downloading my payment history from XXXX, my former servicer, and XXXX ) is simply ridiculous. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: Central States Recovery, Inc.
State: KS

Complaint narrative:
I have sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from Central States.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: MD

Complaint narrative:
Did not ask these financial services to run my credit. Dealer disclosed information to third party lenders when I specifically requested not to. Never received credit from these lenders and didnt ask them for it.

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 2019-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have an acct on my credit from XXXX XXXX  in the amount of {$240.00} for a payday loan. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
We receive daily calls on our second, message-only, land line from XXXX XXXX XXXX. They call from multiple numbers ( so blocking doesn't work ) and don't leave any message. XXXX their caller ID name informs us that they are a debt collector. ( We do not have any debts and our credit score is excellent. ) We consider these calls harassment and want them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
They repeatedly call, leaving a message for " XXXX XXXX '' or something. This is not me and I have no option to stop them calling cos it's a robocall. I XXXX  number and it tells me it's from ProCollect ( not mentioned in spam ).

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Did not ask these financial services to run my credit. Dealer disclosed information to third party lenders when I specifically requested not to. Never received credit from these lenders and didnt ask them for it.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Did not ask these financial services to run my credit. Dealer disclosed information to third party lenders when I specifically requested not to. Never received credit from these lenders and didnt ask them for it.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Did not ask for these companies to inquire on my credit. No credit was offered to me, and I did not submit consent to these companies to inquire on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Did not ask for these companies to inquire on my credit. No credit was offered to me, and I did not submit consent to these companies to inquire on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I knew I fell behind on payments with XXXX XXXX XXXX ( XXXX ) and was having a hard time paying my monthly bill. In XXXX I spoke with someone at XXXX and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to XXXX. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with XXXX and asked if they could get my account out of default because I made a good faith payment. XXXX said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with XXXX. XXXX said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted XXXX again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and XXXX said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. OnXX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to XXXX. When I got back on the XXXX   website my account once again said I owed {$0.00}. When I called XXXX and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from XXXX. I started getting phone calls from a collection agency in late XXXX Trans World Incorporated stating I owed the balance due on my loan ( {$51000.00} ). When I once again  called XXXX they said my loan defaulted and that they no longer have the loan and that I would have to contact Trans World Incorporated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
in XXXX of XXXX I purchased a XXXX XXXX XXXX, at the time they sold me an extended warranty which the contract said I can always cancel and get a refund if I don't make any claims against it. 
I made several larger payments on the account and asked to have them applied to the principal. 
on XX/XX/XXXX I requested to cancel the extended warranty. I received an email from the dealer that said : " Also, I just need to be sure that you are aware that if there is still a lienholder on the vehicle, the refund goes to them directly and not to the customer. The refund amount is applied to the principle of the loan. '' I contacted them via email a few times and mentioned that it was not applied to the principal. I received this email on XX/XX/XXXX : " Ms. XXXX, Thank you for your reply. 
We can confirm that warranty refunds are paid in the form of a check and are applied directly to your principal balance '' It still didn't look right and I emailed a few times more. at first because they did not refund the full amount. In XXXX of XXXX they refunded an additional amount but still did not apply it correctly. 
the entire time they showed that I do not owe payments. Now, I XXXX of XXXX after I emailed again, they called me and said they made a mistake and if they reverse it, the account will be past due and I will have to make up the past due amount and they are willing to give me 3 months (! ). i've been asking them for years to correct it and now they ask me to catch up in 3 months. In addition to that, they added late fees to my account. I do have all statements that show no amount due. I was never late and had they applied it correctly, I would have made certain that I make payments in time!! in addition to that the car has a mechanical issue that they are refusing to fix and we can't use the car!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/2015, I went to BestBuy during tax free weekend to purchase a laptop for college. At checkout, I was offered a BestBuy credit card and was told there would be no minimal payment for the first 12 months by the casher who signed me sign up for the card. I signed up and purchased my laptop through the card because it was a no brainer. Since I was going to college, being able to pay for the laptop overtime later on was helpful at that time. I moved to XXXX XXXX to go to college soon after. I did not receive any mailed statements from BestBuy while at XXXX XXXX because they were being mailed to my old address. It was not until I noticed a huge drop in my credit score that I looked into the problem and discovered it was the BestBuy/citibank credit card reporting that I had not made any minimal payments. I immediately called BestBuy explained what I was told by the cashier at their store when I signed up for the card. All the lady did was take off one month 's late payment. I went ahead and paid in full and closed the account. However, they are still reporting 60 days of " delinquency '' in my credit history which is affecting my credit reports and score. It has almost been four years since this happened and I have called BestBuy to try to resolve this with them several times. I have also filed multiple disputes through the credit bureaus but none have been successful.

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 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I called hunterwarfield inc about one acct that shows i owe them XXXX ask the company to provide me a letter. they refuse I have a seperae acct with them that im currently disputing for XXXX which their trying to combine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have an acct on my credit from LVNV FUNDING LLC in the amount of {$120.00}. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had a checking and savings account for many years ( since they bought Washington Mutual ) with Chase Bank. My savings account was set up as a Basic Chase Savings account that required me to transfer {$25.00} per month to not charge fees for having the savings account. I just discovered they have been charging me {$20.00} per month since XX/XX/2017 when my savings account was changed to a type that required {$15000.00} daily balance. I escalated and spoke to three people there that all said they see no record of me changing the savings account type and they are not sure why that happened. 
They have now taken nearly {$1000.00} and have no record of me changing the account type. They changed back to Basic Chase Savings today and fees should stop but will not and can not refund anything over {$100.00} they said. 

So while they feel bad, they can not help me. Chase has done something under-handed here and I am guessing I am not the only XXXX. I do watch my checking but have been very busy and have not paid a lot of attention to the savings since I didn't expect any real change. And it can be a little confusing with the monthly transfer. I do not get paper statements. 

I feel they should refund the whole amount since they have no record of me changing the account type and they have practiced in a shady manner. 
The managers I spoke to were XXXX XXXX -very nice but could not help so transferred me to another manager XXXX XXXX . I believe they are in XXXX Ohio. ( Please remove names of Chase reps for publishing thought could be helpful for research is all ) thanks very much. 

*I had a similar issue with checking some years ago there and believe this could be intentional at some level for revenue.

Company response to consumer: Closed with monetary relief