vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I went to PNC Bank in XXXX, IL and asked about exchanging US dollars to XXXXXXXX XXXX. A PNC employee who helped me, XXXX XXXX, said there were no fees or other charges and that the exchange rate would be the normal daily rate. They did not know how to do the exchange so they took my name and phone number and told me they would call me when they found out. I got a phone call saying they were able to complete the exchange and had taken out {$250.00}. When I asked what the exchange rate was they said they didn't know but again they said it was be the accurate rate for that date, XX/XX/XXXX, and there were no fees. I picked up the money at the bank and my receipt said they took out {$240.00} and I got XXXX XXXX XXXX, which is a rate of 0.313372. The receipt  said there were no fees charged. But on XX/XX/XXXX, the actual exchange rate was 0.289160. 
I called and asked about this issue. An escalation specialist, XXXX XXXX, said she would look into it and call me back within 3-5 business days. I called her back two weeks later because she never called me back. She said she had forgotten about my case but that there were added fees when you purchase and exchange money. I talked to a second escalation specialist, XXXX ( ext XXXX ), who said that it sounds like they gave me the wrong exchange rate and I should be refunded {$21.00}. She said she was going to call the bank to figure out the exchange rate process and call me back after. But she also never called me back. I called back again and got a third escalation specialist who said she would looking at it and would contact the second escalation specialist but I never got a response from her either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: TX

Complaint narrative:
IN REGARDS TO EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX THIS ADDRESS DOES NOT AND HAS NOT BELONGED TO ME. I AM IDENTITY THEFT VICTIM AND EQUIFAX HAS NOT MADE THE CORRECTIVE ACTION TO REMOVE THE ADDRESS WHEN I RECEIVED THE UPDATED CREDIT REPORT IT STILL REMAINED. THE ADDRESS IS A FRAUDULENT ADDRESS AND FRAUD WAS COMITTED WITH IT IN MY NAME SO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
This debt collector has this debt assigned to me, when it is my ex wife 's responsibility, divorce decree filed XX/XX/2017. Upon dissolution I acquired half of debt that I have taken care of. My work on my debt load and simple fact I will pay, GLA collections has tagged my credit and continues to maintain calls, and bills. The last rep from GLA Collections told me it was only {$32.00} dollars and it would be easier to pay it than fight it. I make a written and verbal dispute about the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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:
submitted a dispute with the account XXXX number XXXX but Experian instead of addressing the disputed account they went a head and deleted a non disputed item XXXX  account number XXXX. 
so in other words they claim to have updated the disputed account without showing any form of vefication and deleted an account that was not disputed.

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 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX  account doesn't match other credit reports. Asked for investigation and it has taken longer than 30 days to provide original documents proving debt or anything owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ameritech Financial
State: PA

Complaint narrative:
Ameritech financial mislead me, basically lied about a program for student forgiveness. During this process I was charged XXXX dollars to enroll and a monthly payment of XXXX dollars a month that didnt go towards paying my student loans off at all. When I realized this I called the company only to get pressured into staying and was told all the money I paid so far was for there fee, not my loan repayment and if I left it would be a wast of money. I did refinance and cancel my loan but I paid over XXXX dollars to Ameritech in mislead and in my eyes fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: AZ

Complaint narrative:
American Internet Mortgage sent money from my escrow account to an insurance company that I did not approve or have insurance with. They never reached out to me to verify the change in policy but instead just sent a check to a random company. AIM ( american internet mortgage ) told me that I would have to retrieve the money and send it back to them. I found out who the company was that AIM paid and that insurance company informed me they sent the money back to AIM and they cashed the check. I provided AIM with a check number and date that the check was cashed by them. They are refusing to reimburse the money in the escrow account and now I have an escrow shortage for money sent to an insurance company that I did not approve. I gave AIM all this information at the end of XXXX and was told they would open an investigation. I never heard back from them again ... I spoke to them a few weeks ago and they are still saying they can not help but offered to open another investigation. I have left several voicemails over the last two weeks but I am not getting a return call. My escrow account is short by almost {$1400.00} and now my mortgage payment has gone up. At the end of the day, AIM got their money back from the insurance company and they are now taking money from me that I do not owe. They are stealing money from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Last month I pulled my credit report because I am in the process of purchasing a house and I noticed that National Credit Systems ( XXXX XXXX ) reappeared on my reports in the amount of {$80.00}. I previously disputed this erroneous debt and it was removed from my reports. I have not received any kind of correspondence, calls or emails from this company. I have not idea who these people are and why they are trying to collect from me. I have faxed over a Debt validation letter as well as filed a previous complaint through CFPB and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
Real Time Resolutions ( RTR ) engaged in fraudulent activity to misrepresent my financial arrangement with them, which is supposed to be {$5.00} per month, and even going so far as to state, according to their representative, that I signed an agreement to pay them {$120.00} per month. I never signed or agreed in any manner to such a thing. I am submitting the following documents : My XX/XX/18 RTR - Fraud Complaint Statement XXXX XX/XX/XXXX Letter RTR XX/XX/XXXX Letter ( page 1of2,  backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX Letter ( page 1of2, backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX website - online contact page ( email option ) of my nite of correspondence sent to them XXXX Money Order receipt purchased on XX/XX/XXXX and sent to RTR, and processed by RTR on XX/XX/XXXX. ( The XXXX claim confirmation for the processed money order will be forthcoming ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield claims that XXXX XXXX XXXX XXXX referred an account to them for collection on XX/XX/XXXX, listing the principal amount due of {$17000.00} but has failed to provide such proof as requested in my letter sent on XX/XX/XXXX. They further claim that an initial collection letter was sent to me on XX/XX/XXXX of which I was never notified. They state that verification of the debt was mailed to me on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX I sent a letter requesting that Hunter Warfield Validate not verify the validity of the alleged debt, including providing the following : The agreement with XXXX XXXX XXXX XXXX  that grants them the authority to collect on this alleged debt. 
Agreement that bears my alleged signature wherein I agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I did not request verification but validation with my wet signature. 
I have never done business with Hunter Warfield and they have refused to provide the information requested in my original letter. Furthermore, the information being reported is inaccurate and pursuant to the Fair Credit Reporting Act ( FCRA ) If inaccurate information is discovered in your file it hast to be removed. The attached documents will confirm that this debt has been falsely reported. On XX/XX/XXXX XXXX XXXX XXXX XXXX voluntarily dismissed this alleged debt that they say I owe.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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:
Good Morning I am submitting an Complaint that I have with Equifax regarding XXXX XXXX this company is reporting a plethora of 30 day lates and two 60 day lates on my credit file, I disputed with 609 letters, citing unverified lates reporting however it always came back as verified with Equifax. I suspect XXXX auto verification is being used because when Equifax was responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. They also stopped responding, that allows me to take legal action. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive. They are as followed, XX/XX/XXXX ( 60 day late ) XX/XX/XXXX thru XX/XX/XXXX ( 30 day lates ) XXXX XX/XX/XXXX to XX/XX/XXXX ( 30 day lates ) and a 60 day late for XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: MD

Complaint narrative:
I had to use three deferrals for this pay day loan. The first one was due to a family member 's death, and I had to go home for the funeral. So, I did not have the money to pay them. The 2nd time, I was sick and off work for a while. I am paid hourly. Therefore, my check was short. They deferred it the 2nd time. I requested to pay a short amount the 3rd time because of the same issue as the 2nd. 

This past Tuesday, I called asking to make a shorter payment or an extended payment plan because I am on leave from work until XX/XX/XXXX, and I do not have to disclose these reasons to them. The account manager demanded I get a letter to them from somebody at my job. I work for a city legal agency. We may be part of the city, but we run as our own organization. The person that writes these letters is out the office until XX/XX/XXXX. They still want to run my account, after I pled with them to reduce the rate. the account manager is cold hearted and callous. In the last few months, I have dealt with death in the family, health issues both mental and physical, and to have a rude person demanding a letter because he doesnt believe me is down right disrespectful. I have taken out a loan from them twice and paid them off before the maturity date. So, if they were really looking at my history, instead of being rude and inconsiderate they would try and work with me, instead of trying to catch me up in a lie. I attempted to work a payment plan out until I could make full payments again. I did a good faith effort and my due diligence. They have hid my loan agreement online. I can only see my payment plans. I want to know my options. I have been able to work out agreements with most of my debtors, but this one wants to be inconsiderate. I placed a stop payment on my account because as I told them, I do not have the money. I am barely receiving anything and barely have family to help me make rent. It is truly sad that an account manager, whose money isnt even involved in this matter, it is the money of the company, could be so spiteful and instead of being willing to have some money come in or wait until a leave letter is able to be sent a few days later, insinuates I am lying. I demand them to stop calling me and an apology. I will be reporting them to my AG Office, as  well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-05 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: FL

Complaint narrative:
Good Morning I am submitting an Complaint that I have with XXXX, Transunion, and XXXX regarding XXXX XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.

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 2018-07-05 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:
Good Morning I am submitting an Complaint that I have with Equifax, XXXX, and XXXX regarding XXXX  XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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:
Good Morning I am submitting an Complaint that I have with XXXX, XXXX, and Experian regarding XXXX  XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.

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 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial
State: PA

Complaint narrative:
I was referred to this company to help with my student loans to not go into default. Ameritech Financial was charging me every month with the agreement to pay my student loans monthly. I was made aware that my student loans where not being paid and my loans were in jeopardy of defaulting. My income tax refund were taken and I was not eligible for any other assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: CA

Complaint narrative:
I am filing complaints against my loan servicer XXXX  regarding the following issues : There is lack of clarity on the qualifications of public loan forgiveness. I signed up for public loan forgiveness, which was completed by my employer, XX/XX/XXXX. However, I didnt get a response from my servicer, XXXX, as my loan consolidation did not get approved until XX/XX/XXXX. When I received the approval letter from XXXX in XX/XX/XXXX, the letter stated that I had zero qualifying PLF payments. As a result, I interpreted this as a rejection letter because I had been working there since XXXX and made timely payments. In hindsight I realized that the starting period for PLF actually started XX/XX/XXXX because that is when my loan consolidation was approved. Moreover, I didnt know that the PLF certification form was to be submitted to verify qualifying payments retrospectively. Because of this fear that I wasnt on public loan forgiveness, I started to pay more per month than the designated IBR amount. Having doubts, in XX/XX/XXXX, I called XXXX to verify my public loan forgiveness, and they stated that I actually qualify for it. Because of this, I had requested the previous additional monthly loan payments to be re-issued back to me, so that my previous payments would qualify for public loan forgiveness. During this time, I had requested that the previous loan payments, now with IBR amount to be considered as qualifying PLF payments. 
I again contacted XXXX in XX/XX/XXXX requesting that the previous payments, now with the designated IBR amount, to be considered for public loan forgiveness qualifications, but it has been almost three years and I have not heard anything from them. I have routinely called them quarterly and I continue to get a response stating it is still being evaluated. 

There are two issues I would like to resolve : 1. I am inquiring if my previous payments from XX/XX/XXXX to XX/XX/XXXX to be qualified for public loan forgiveness payments. 
2. I am requesting a timely response to the above issues as I have been waiting for almost three years now for a solution. 

Please help me expedite and clarify my above situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I have repeatedly tried to explain to this agency that this debt does not belong to me. They refuse to remove. They have said the debt was validated however 1 ) they never could show an original contract where I signed or an agreement with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation