vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: FL

Complaint narrative:
A few months after my visit to XXXX XXXX XXXX XXXX I got a bill which I paid, but then 11 month after my visit I got an alert on my credit report. I had a collection from " XXXX XXXX XXXX '', a collection agency and the original creditor was " XXXX XXXX XXXX XXXX XXXX ''. After many calls I discovered that XXXX is the billing agency for the doctors at XXXX XXXX XXXX XXXX, and that they never filed a claim with my insurance. I never even received a bill from them ; they sent it straight to collection, and to my credit report. XXXX is rather a shady company or an incompetent one and I'm not sure that their methods are even legal. I contacted XXXX XXXX XXXX with my Insurance on the line. They refused to submit a claim to my insurance. I filled out my insurance information when I was in the hospital. It's not my fault that XXXX didn't file a claim with my insurance. and then they're allowed to sell my bill to a collection agency that refuses to submit a claim. How is this legal!?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XXXX, I sent payment to XXXX XXXX, Paypal account he gave : XXXX, his email he was emailing was XXXX and XXXX. 
I sent payment for a condo rental in XXXX, XXXX XXXX   XXXX @ XXXX XXXX XXXX, XXXX, XXXX. We were to meet him there on XXXX to get keys to have the condo for the night. I was charged {$400.00} of which {$250.00} he would give back for deposit. He never showed up to meet us at the condo and would not respond to messages later in the day after we had waited hours. He claimed his wife was in the hospital and he had no access to his phone. I told him I wanted my money back and he said he would refund that night. He didn't. I continued to try contacting him for the refund and he wouldn't respond. He finally replied back XXXX saying he would again refund my money that evening and again, he did not. Not he is not responding to my messages nor returning my money. 
Paypal is refusing to dispute it since it was since via Family/Friends link on the site. 

I took it upon myself to do some digging and emailed this XXXX XXXX posing as a new prospective renter for his condo. He responded immediately to the emails showing his condo was available. He provided a new Paypal email address to send funds to that is different from the one I initially received as myself. I was able to talk him into giving his bank info after telling him I didn't have Paypal. I called and verified the account with the bank and have that info to give you if needed. 

This XXXX XXXX scammed me and I would take any assistance in obtaining my money back. His bank account is titled under XXXX XXXX XXXX at XXXX XXXX in Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: U.S. BANCORP
State: TX

Complaint narrative:
I made a big payment payoff ( {$17000.00} ) on a balance transfer that the promotional 0 % APR expired after I made a previous balance transfer with a 0 % APR. The lender applied the amount to the new promotion instead of the higher APR balance transfer causing me to continue to pay interest. I was then told that I had a business credit card and I am not a consumer and the credit card act of 2009 does not apply. However, no company information was given to them or even verified and only my personal information and credit history was used to establish the card. All they did was simply put the name of my business on the front of the card. I asked for documentation where I can read the disclosures information but no response was given. 

I feel this is a deceptive trade practice in order to get around the credit card act of 2009.

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 2019-01-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ameritech Financial
State: FL

Complaint narrative:
it first started out as the obama student loan forgiveness. then went to ameritech financial. I started paying since 2016 and every month its been {$100.00} every month. I received a letter from federal trade commission stating there is a lawsuit pending with ameritech. i immediately called to find out what's going on. they told me everything is fine that its something that will blow over. notice in XXXX they stop taking money out of account. i called them no answer. I then XX/XX/XXXX them. found out that the CEO was arrested on fraud. So now i'm trying to figure out what's my next step. Because at this point i don't want to pay my school loan back at all. This happen to me twice and im frustrated. i just need to know will i get back my money?

Company response to consumer: Untimely response
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY AND XXXX   XXXX  CONTINUE TO CALL FREQUENTLY ( SOMETIMES 5 TIMES PER DAY ) EVERYDAY AFTER BEING TOLD TO STOP CALLING!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX XXXX sent the amount of {$1000.00} to XXXX XXXX on XX/XX/2018 through XXXX XXXX XXXX  ( XXXX ). Immediately, Mr. XXXX received a text message from his XXXX  XXXX XXXX account confirming the account will be credited with confirmation number is XXXX. Furthermore, Mrs. XXXX XXXX account reflects the {$1000.00} has been successfully transferred, however, the transferred amount never arrived in Mr. XXXX account. Upon further investigation with XXXX XXXX, we found that another individual had registered Mr. XXXX phone number and linked it to his bank account. Mr. XXXX states he never authorized this. Mrs. XXXX filed a claim for reimbursement, XXXX XXXX confirmation number : XXXX and XXXX confirmation number : XXXX, on XX/XX/2018, however, XXXX XXXX denied the claim on XX/XX/2018 stating they are not at fault. 

I vehemently believe that XXXX is liable and is fully responsible for the amount being sent to someone else 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX Capital One Bank sent me a notice confirming that they sold accounts were included in a bankruptcy filing on XX/XX/XXXX, On XXXX XXXX before the case was dismissed on XX/XX/XXXX. This is illegal. I have sent multiple complaints about many violations with the sale, collections practices and validity of accounts they sold to XXXX XXXX XXXX Capital One Case # XXXX CFPB Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely 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 non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested numerous times to have incorrect address, non updated collections Accts And Unverified and non validated information removed from my report along with invalidated information. I received a letter stating it was verified without informing me how the information was verified other than word of mouth by a creditor. I worked for a company who merged files for tax write offs. Experian employees are very rude, unprofessional and argumentative. Refusing to escalate my call. Placing me on hold for 37 mins before returing to the line with an attitude. A manger will call you. That was 7 days ago.

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 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
I was called by a XXXX XXXX @ XXXX. HE said he was saying he was from XXXX XXXX XXXX. he said that I have an outstanding balance of a little over {$500.00} from an hsbc credit card. He said I stopped making payments on the card in XX/XX/2013. I asked him if he could please email or mail me some documentation showing this balance and when it was from. He went on to say that I have dodging calls and they have sent me info in the mail. He started rattling off the other addresses I have lived at. 
I told him I need some documentation cause this sounds like a scam. He said that I racked up credit card bills and now I don't want to pay. This went on for a few minutes and I started to get mad. I advised I am not dodging any past bill but I am not going to pay something over the phone with out some documentation. He was very rude and said I was not ever planning to pay. I told him I was to speak to his manager. He said he was the manager there. I then told him to transfer me to hsbc so I get more info from them. He would not do so. I told him to not call me or my family again. 
He has also called members of my family that there is an urgent matter and that I need to call him. 
I checked XXXX  and there is not any warning of an old debt. 
I called hsbc and they are not showing anything also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KS

Complaint narrative:
I have a 2nd mortgage. I had an insurance claim. the 2nd mortgage company held the insurance claim payments and required the contractors to provide a waiver of claim. I then had to pay the contractors out of my pocket for the work. The work was completed. The work has been complete for a long time. It took about a month for them to send and inspector and now it has been 2 additional months and they still have not released the funds. The original roof contractor completed the work 2 years ago and that was cleared by XXXX. But the loan was sold by Loan Care and they are holding the check because of them saying they do not have all the information and the roof contractor is no longer in business in my town. They are holding over {$17000.00} and the loan amount is {$16000.00} plus. They have all the waivers of claim from that contractor and the other contractors but they sitll will not release. I call almost daily and get the same song and dance corporate has to approve. While they are holding that money without interest they are charging me interest on the 2nd mortgage. If they would not have held the checks I could have paid off the mortgage with the funds I had to pay out of my pocket to get the work done.

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 2019-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: NM

Complaint narrative:
We have NO debts, but get frequent calls from RSI Enterprises , Inc. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation
State: AL

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have turned all of my debt over to a debt counseling/consolidation company. I advised XXXX XXXX their contact information and asked that they get in touch with them to work out payments but they refuse to reach out. XXXX XXXX has now started calling my employer at an office that I do not even work at, leaving voicemails on the company voice system and on other employees voicemails about me and my debt. The company has advised them to contact me personally and not to call there but they still continue to call my employer becoming a harassment issue for them as well as myself. I chose this method of debt consolidation to ensure all of my debts are paid instead of bankruptcy or just not paying and I can not understand why they choose to not contact my debt consolidation company. Any help/assistance you could offer would be greatly appreciated. 


Kindest Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
XXXX XXXX collecting on loan with unauthorized signature. Attempted to reconcile by asking for loan forgiveness or loan discharge. Consumer took action and filed a complaint with the XXXX XXXX XXXX of Tennessee XXXX XXXX XXXX   County due to XXXX XXXX violation of the Tennessee Uniform Electronic Transactions Act on XX/XX/2019. Consumer submitted ID Theft Affidavit provided by XXXX XXXX on XX/XX/2019 to their website. Consumer submitted Authorization for the Release of Information on XX/XX/2019 to their website. XXXX submitted his notarized signatures to XXXX XXXX on XX/XX/2019 to their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: FL

Complaint narrative:
I have requested numerous times to have incorrect address, non updated collections Accts And Unverified and non validated information removed from my report along with invalidated information. I received a letter stating it was verified without informing me how the information was verified other than word of mouth by a creditor. I worked for a company who merged files for tax write offs. XXXX  employees are very rude, unprofessional and argumentative. Refusing to escalate my call. Placing me on hold for 37 mins before returing to the line with an attitude. A manger will call you. That was 7 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2019 the vehicle, a XXXX XXXX, was repossessed by a towing company, XXXX XXXX, out of a hotel parking lot in XXXX Texas. The loan was in charge off status and the company who ordered the repossesion was Ally Financial located at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. On XX/XX/2019 I was emailed a demand for payment of the loan in full for the amount of {$21000.00}. That Monday XX/XX/2019 a wire tranfer was made to Ally Financial in that same amout from a XXXX XXXX bank to pay off the loan in full XXXX XXXX Reference # XXXX. I was on the phone to the Ally call center that same day and the next to verify that they received the full payment amount and asked for a receipt of payment as documentation through email which they were unable to supply even though, verbally, they represented the loan had been paid. I also asked for a release from or for the towing company, XXXX XXXX  so I could retreive my car. I was told the release would be at the Towing company and then in the next convesation told that they had canceled the release. I also tired to make arrangements with the Towing company XXXX XXXX in XXXX texas to retrieve any personal items from the car and was told they were closed and to call back the next day. This happened several times and i was never able to access my personal items. Now without any docementation that shows that this account has been paid in full and a release for the vehicle, my car is being transferred to an auction house at XXXX XXXX XXXX  in XXXX XXXX Texas. There has been many mistakes in this process and there could be another agregious mistake if this car is accidentally sold after being paid in full. I am not sure if Ally and XXXX XXXX are deceitful or just incompetant or both however i am alarmed at this process and hope you can help me to resolve this matter.

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 2019-01-31 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA XXXX BKPT CT IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Kohl 's contacted me at a time reasonably believed to be inconvenient. On Sunday, XX/XX/XXXX, I received a call past XXXX XXXX. Kohl 's had been placing repeated calls for a partially owed payment within the month it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with capital one that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX   XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date. Please delet this from my credit report under FRCA guideline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/XXXX I applied for a XXXX XXXX XXXX  card while at the airport after I saw the advertisement. I did not see an email acknowledgement so I continued on with my travel and assumed the application did not go through. On XX/XX/XXXX I tried to apply again for the same XXXX XXXX and this time I received an email stating they would get back to me on my application. I called when I did not receive a reply to my application after a few days. My Credit Report is clean and I subscribe to XXXX  for their services. It shows that Chase did check my credit on one occasion. I have a credit score over 800 with no credit issues. When I called I was told that my application was declined due to too many requests for credit or opened accounts with Chase. I tried to escalate my requests with Chase and at the same time explaining what had happened. I was transferred many times with everyone basically saying they were sorry and they couldn't help. All my calls were to off shore call taking agencies that at times were difficult to understand and they had issues understanding me. Chase relied on a report from XXXX  who I called and they said it was up to Chase and I should try and explain what happened. Again another off shore call taking company. No one attempted to resolve the issue or bring it to a conclusion. I wrote a letter to XXXX about the credit card service I received. I am concerned that Chase will leave this on my record with them which I know to be wrong.

Company response to consumer: Closed with non-monetary relief