vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
I had a pay day loan due on Friday, XX/XX/XXXX 2019. I was unable to appear in store as I had to work late that evening but as soon as I was off work ; I paid my loan payment online with my debit card. I have a receipt showing my payment of {$560.00}. Per Advance America because the payment was paid " after business hours '' this morning ( the next business day ) my check was cashed ( XX/XX/XXXX19 ) resulting in my bank account being overdrawn. I have several scheduled payments that I will now not be able to make because of this issue. I have spoken with five different customer service representatives that have just passed on the issue. I will now have a reconnect fee for my cell phone being turned off due to Advance America 's negligence and inability to correct the issue promptly. I was told that this will take at least two to  three business days to resolve. If the money can be taken from my account in an instant ; I can't understand why it isn't put back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: FL

Complaint narrative:
On XX/XX/2019 I mailed out a certified letter to Portfolio Recovery requesting proper verification and a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

They have failed to verify any of the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: SC

Complaint narrative:
A collection account showed up on my XXXX and XXXX credit reports from XXXX XXXX XXXX in the amount of {$1600.00} dated XX/XX/2017. I have no knowledge of this account and received NO communication, letters, or correspondence from XXXX about resolving this account. The phone numbers listed for XXXX either send me in a hold loop or no one ever answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, a 30days past due was reported on my credit report via XXXX credit card. 
During this time i had contacted XXXX and tried to fix the problem with them. I tried to explain that my XXXX card had not been active for a few years and i simply forgot that i had used it for a purchase. I asked to make the payment in full and for it to be forgiven from my credit report. 
I have had this card since XX/XX/XXXX and my payments are always on time except for this one incident. 
My past due was still reported ...

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 2019-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/2018, I went to XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. I was told by XXXX, the lady at the desk that it would be easy to finance the purchase through acima financing, that way I could pay off the tire in three to four months and my payments would be around {$41.00} dollars each payment. Little did I know that I was signing up for Leasing those four tires. XXXX   did not disclose at any time that the tires were for a Lease/Rental. XXXX told me that acima would be sending a email for me to sign. Little did I know that it was Rental/Lease Agreement. Of course it's on my phone which is smaller. Personally, I have always thought, who would be XXXX  enough to Rent tires. Evidently, I did and did not know until the payments of {$41.00} seem to extend beyond the three to four months which XXXX had explain to me. I thought to myself, those tires should be paid off by now. I called acima in early XX/XX/XXXX, who informed me that I had signed a lease with a 90 days option plan to purchase the tire and that the sales person should have disclosed that this transaction was a Lease/Rental and that she would get the acima to call and let them know. I think this has been done before to other may not have understood what they signed. I can't believe I had gotten taken. I  work at a bank in the loan department and should have esign the paperwork. By this time the tire were already on my car because the email arrived much later in the evening after the work was completed. At the time there was not any signage inside or outside the store that that specifically states you can Lease or Rent tires. XXXX, made the sale, but failed to disclose that my transaction was a Lease Rental of tire. acima informed me that unfortunately I should have paid the tire off withing the first three to four months and that I still owned over {$620.00}. The Lease/Rental of the tires will cost me over {$1000.00}. There is a small brochure which states " No Credit Needed '' 90-day Payment Option with an Easy Payment Guide which tells how much your payments will be. This Brochure regarding payment terms is inadequate. Whoever sales you the merchandise, should be required to state that the transaction is a LEASE/RENTAL OF MERCHANDISE. In no way was these word ever use. This is clearly a deceptive practice among retailers such as this as there were many compliant on acima once I google it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: TX

Complaint narrative:
I believe Im a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Since XX/XX/XXXX I mailed a certified letter to the collection agency Midland Funding asking them verify or remove the debt. They did not respond to my letter within 30 days. On XX/XX/XXXX I asked XXXX  to remove the debt since they did not verify the debt to me within 30 days. XXXX  sent to Midland Funding a request for verification and it came back valid to XXXX, yet Midland Funding didn't send me verification as I requested. 

I have repeatedly disputed the debt from the collection agency Midland Funding. My last letter to Midland Funding was sent certified mailed on XX/XX/XXXX. I did received a statement from Midland Funding, yet again they did not respond to the letter with any information that was requested. 

I asked for : Name and balance of the original creditor? 
Highest balance amount of delinquency? 
Was the debt assigned to Midland or did they purchase it from XXXX XXXX Monthly statements or purchases with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: NC

Complaint narrative:
Equifax is reporting me as 120 days past due on XXXX XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This negative reporting is harming my score. I have disputed this directly with this bureau but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
As of XX/XX/XXXX I have sent all 3 credit bureaus letters requesting proper validation and verification of what appears on my credit report. Bank of America continues to show this as a revolving account, but I do NOT have this account. It was supposedly opened on XX/XX/XXXX. I want this bank to show proper validation per guidelines that this account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
TransUnion has listed my credit score as XXXX out of XXXX. It is listed as " Fair '' credit out of the following categories : 1. Excellent 2. Very Good 3. Good 4. Fair 5. Poor I have 0 late payment history. I have 0 % credit utilization of existing credit line, which means I am not in debt with my credit card company. I had 100 % utilization, but my score was not changed significantly from 100 % to 0 % and in fact increased. So that was not the issue. I have only 1 hard inquiry.

The only category they rate me low in is with the number of accounts. This category is listed as having a " Low Impact '' on my score. Since the possible high score is XXXX and mine is XXXX, that is not a " Low Impact '' score, that is a very HIGH IMPACT. They can't explain it. They transferred me to three supervisors, one of which claimed I had more than one credit card account. I told them I didn't and he disagreed with me. I pushed the issue and he finally admitted I only had one and the other one was an auto loan that is in good standing. So they are not clear on their procedures and looking at data when they accused me of having more than one credit card. 

They also told me that they can not investigate. They have told me they can't give out information regarding the criteria affecting my score. Later a supervisor became frustrated and made up an answer as to why, but could not confirm it. They are giving me the run around. More than one rep has said they don't know exactly why, they only have assumptions. Guessing is not appropriate. It is illegal for the credit bureau to report information they can not verify, to merchants issuing credit. I need help.

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 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
the charging me overdraft fees having money in the account, they don't want to return me my money. I account business and personal if a negative balance can from my account business. I deposit money from personal by the still charge me overdraft fees

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 2019-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I received our new property tax stmt for XXXX. On that was the still due for the remaining XXXX property taxes. XXXX County Treasurer has added on more interest & penalties. Total still due for XXXX is XXXX We owe XXXX to date interest & penalties due is XXXX We are not liable to pay the interest & penalties. If this balance does not get paid XXXX County Treasurer will continue to add interest & penalties. 
XXXX has sent in payments in the amount of XXXX, but that will be returned until the correct amount is paid. It needs to be paid in full. 
I have called, sent in this complaint to cfpb and sent an email complaint to American Financial Res. 
This is worrisome and very stressful for me. I take pride in paying my bills on time and for the correct amount. 
Please get this taken care of, my next complaint will be to the attorney general & XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: UT

Complaint narrative:
I submitted my repayment certification ( income based ) last spring when XXXX sent me the information through email. I submitted my tax information the same as I have done for a few years. Then in XXXX of last year, I got a letter stating that I never completed my recertification and that I now owed monthly payments over {$850.00} a month. I immediately called to talk to customer service to rectify the issue and was told they never received the recertification. I went back through emails and found all the information that I had sent and told them I would send it all again immediately, stating I had NO idea if they don't receive it because I had no confirmation, even though my email showed it was sent and I mailed the tax info to the address provided. I also never receive anything other than the initial letter stating I need to recertify in XXXX, then an email that they received the online portion, and then the notice months later, XXXX, that it's not done. No other notice saying they never received the tax info. It has been the same process for years and I have never missed it. This time when I called back again they again told me there was nothing they could do and that they never received it. AND on top of that, they were now going to capitalize $ XXXX in interest. So now I am supposed to be paying interest on interest. I have XXXX children and I am self-employed, I will already be paying on these loans for the rest of my life with an interest rate that I can't get lowered to the standard of today and an additional $ XXXX that never should have been capitalized in the first place. I called several times over a few weeks and got a different story every time from a different customer service rep every time. I thought I was an anomaly until I started reading articles this winter that MANY people are being treated the same way. I didn't know there was even anywhere to make a complaint until this winter, which is why I am making it now and not last summer when this all happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I rcvd a call on XXXX XXXX that I had made a complaint about to your company XXXX, and after making that complaint I rcvd 2 more calls from the same company and spoke to the same lady. my first complaint # XXXX. In the 3rd call she calls me directly instead of me getting a call and getting transferred to her. She lied about her name and acted as if she had reviewed her 2 previous calls to me and was going to help me make a complaint about it. I have the 3 phone calls recorded. These companies and trying so hard to deceive and bully the people they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: NJ

Complaint narrative:
I had unauthorized charged on capital one account through lord and XXXX. I had forgotten that I had this credit card since Ive rarely used it. I filed a police report in XXXX XXXX, and sent it to Capital One Credit Carr and for the unauthorized charge. I received a letter from them saying they took the account back and it remained unchanged. This ongoing situation has been going on since XX/XX/2016 and has yet to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I mailed out a letter requesting verification and a notice was sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I will attach the letter below.

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 2019-03-04 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: CL Holdings LLC
State: CO

Complaint narrative:
The company mentioned sold a collection for XXXX to another company who i negotiated and paid but now i have both collections still on my report showing a XXXX balance. I have tried disputing this with the bureaus but have not gotten the balances changed. Its effecting my ability to get the best interest rates on a home. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2019 I filed a dispute with Capital One Bank about the validity of an inaccurate item being reported on my credit reports. I mailed my dispute to the address listed on the credit report and the letter was returned to me by the post office due to an invalid address. I sent a follow up letter to the credit bureau ( XXXX  ) on XX/XX/2019 requesting that the item be removed from my credit report given that the furnisher ( Capital One ) has provided false information to them about me and they have provided the credit bureaus with a false address. On XX/XX/2019 I sent another follow up letter to the credit bureau ( XXXX  ) and I demanded they remove this item immediately from my credit reports. The credit bureau sends me a copy of my credit reported dated XX/XX/2019 only to still show the incorrect address listed for the creditor after they have stated on my report they have verified the address being reported is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
ad astra services, this is the collection agency i contacted regarding this amount i saw on my credit report, i received the number from XXXX, and XXXX XXXX.i spoke with the collection agency, they put a dispute in also. 
their contact info is as follows ad astra services XXXX, kansas XXXX i spoke to them today after i saw this on my credit report, i have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, a 30days past due was reported on my credit report via XXXX  credit card. 
During this time i had contacted XXXX and tried to fix the problem with them. I tried to explain that my XXXX card had not been active for a few years and i simply forgot that i had used it for a purchase. I asked to make the payment in full and for it to be forgiven from my credit report. 
I have had this card since XX/XX/XXXX and my payments are always on time except for this one incident. 
My past due was still reported ...

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 2019-03-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent investigation requests to the 3 credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not. They have even ignored the follow-up letters I mailed last week.

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 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/2019 I mailed out a letter requesting verification and they had 30 days to submit verification.

Company response to consumer: Closed with explanation