vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
contacted company asking about the Hippa laws violation.company refused to respond with original documents showing they have the right to brandish negative item on my credit report. 
I also contacted the the reporting bureau and they claim that advance verified that the account being reported is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
I applied for PSLF in XX/XX/2016. I've been making payments since XX/XX/2016, but recently found that none of my payments have been counting towards my 120 qualifying payments. At this point I have made 26 payments, and more than that none of the principal is being paid down so if PSLF is overturned then I am actually paying more and it has been 6 years since I graduated with my XXXX. I called multiple times and re-submitted several forms even though it's clear that I worked at an employer they won't certify it or count my payments. My problem is with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
Voluntarily sought period loan for tires and wheels from a local vendor. During the transaction I was not given a contract, payment plan, or any clauses or provisions regarding interest rate. This occurred XX/XX/XXXX, a day before departing on official business to Maryland for two months. During my trip I noticed payments were automatically debited to my bank account from XXXX XXXX XXXX. I called to inquire. The representative assured me that the payments would take care of the balance, automatically deducted from my account. Relying on the automatic for much of the year. 
Months later, this XX/XX/XXXX, I noticed the payments continuing past the balance, {$1400.00}, the amount of funds paid to American First was {$1700.00}. I inquired again, it was then I was given a copy of the contract and payment plan. As is, the interest rate was 144 % with a total of 39 payments for a total over {$3800.00} I informed American First I would be file a formal complaint and suspend payment due to their practices and lack in Truth-in-Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
For the last 14 years ( XX/XX/XXXX) Portfolio Recovery has been calling and sending collection Notices for a XXXX XXXX XXXX bill {$1200.00} from XX/XX/XXXX when I lost my house in foreclosure. I talked to them for many years explaining the bill went with the foreclosure on the house in XX/XX/XXXX. I moved to XXXX XXXX XXXX lived there for 10 years and they kept calling the house phone at my parents house and my cell phone. The kept insisting on multiple calls all times of the day and night. The also sent letters to my parents house. Every time I would answer and my dad would tell them the same thing. That the bill was from XX/XX/XXXX and went with the foreclosure on the house. I had a break from the calls recently because I changed my cell phone number and house number for the 10th time in 14 years. I spoke with someone Tuesday and told them the same thing I have been telling them for the last 14 years. So tonight XXXX XXXX  XX/XX/XXXX I got a phone call again from Portfolio Recovery spoke with XXXX XXXX and they are wanting to put it on my credit report and wanting to sue me for the bill from 14 years ago. The last 2 times I told them to stop harassing me with these phone calls about a bill from 14 years ago or I would contact a lawyer. I would like this harassment to stop because one it is from the last 14 years and statue of collecting the debt was only 4-6 years in Pennsylvania.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: CA

Complaint narrative:
I contacted the company and told them that my information was used fraudulent in an attempt to gain credit and that I didn't submit the request. The Rep that I spoke with verify that the application was fraudulent but they refuse to have the inquiry removed from my credit report. My credit score has been impacted due to their refusal to remove the inquiry from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
I moved from XXXX to XXXX in XXXX. I opened a bank account under Huntington National Bank because there were 0 XXXX XXXX XXXX XXXX  in the state of XXXX. I moved back to XXXX and closed the account in XX/XX/XXXX. They even sent me a check for the remaining balance in my account! 

But twice the bank has called randomly demanding {$150.00}? And saying that my closed account I literally can not even view anymore has insufficient funds and piling up late fees. Im furious. Ive called 8 times and everytime someone assures me the it should be fixed now. Ive absolutely had it, and know 200 % I owe them nothing. This is a complete scam and Im literally not tolerating it for another minute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: LA

Complaint narrative:
On XX/XX/XXXX, I received the enclosed letter ( dated XX/XX/XXXX ) from XXXX, XXXX, requesting payment of {$350.00} which they stated is past due. I dispute this debt. 

In XX/XX/XXXX, the debt was paid as follows : Date of Check Check # Amount Date Posted by AVANT XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$130.00} Posted by AVANT : XX/XX/XXXX TOTAL PAID : {$13000.00} I received an email dated XX/XX/XXXX which stated my payoff amount on XX/XX/XXXX would be {$13000.00}. As shown above, I paid the loan BEFORE the deadline, and they then emailed on XX/XX/XXXX, advising that I owed an additional {$130.00} by XX/XX/XXXX. The final payment was received by Avant on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email and advising that I owed {$610.00} by XX/XX/XXXX. I telephoned AVANT and was told this was an automated email and not to worry about it, since the loan had been paid in full. ( Confirmation in attachments ) On XX/XX/XXXX, I received another email advising that I owed a payment of {$610.00} by XX/XX/XXXX. Because this email was identical to the automated email of XX/XX/XXXX, and I knew my loan had been paid in full ( see three checks above ). I did not respond to this notification. 

On XX/XX/XXXX, EIGHTEEN MONTHS after the last email I received, Avant emailed me that my payment of {$6.00} is due on XX/XX/XXXX. Because this email was almost identical to the automated emails of XX/XX/XXXX and XX/XX/XXXX, I, again took no action. At no time after XX/XX/XXXX, did AVANT notify me in writing that my final payment of {$130.00} did not get my loan paid in full. The email of XX/XX/XXXX says {$6.00} is due. Where did that number come from? 

More importantly, how did {$6.00} suddenly become {$350.00} between XX/XX/XXXX and XX/XX/XXXX, the date on the enclosed letter? 

Furthermore, I have received 19 more automated emails all of which have different amounts saying payments are due. I have replied to their emails, called them, sent certified letters and received no response from an actual employee, only the attached automated emails. And now apparently I owe over {$1000.00}. 

I paid the loan balance of {$13000.00} in XX/XX/XXXX. I do not owe {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never lived at XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As reported previously XXXX XXXX has once again reported information inaccurately to credit reporting bureaus. This seems to be a continuing problems with this company reporting my account balance/status. XXXX XXXX has reported a closed account as an open collections. This account was closed in XX/XX/XXXX as a charge off/collections. A judgement was obtained on me in XX/XX/XXXX for which I currently pay {$40.00} a month. This is and has been a closed account yet XXXX XXXX is reporting this as an open collections account which has a monthly payment of {$370.00} and does not state " Paying as Agreed '' as it should, but states " Derogatory : Collection/charge-off in status ''. This is a violation of the Fair Credit reporting Act : I am entitled to a fair and accurate credit report. A this company is abusing it's credit reporting abilities. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

623 ( A ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

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 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
A company called Central Credit Services , LLC is attempting to collect an alleged debt that I owe to a collection company named XXXX XXXX XXXX. I am unaware of these collection agencies and I do not owe any money to these companies. This alleged debt has been placed on my credit report and I am requesting it to be removed immediately.

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 2018-06-29 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Money from my Chase checking account was fraudulently withdrawn twice while I had my card with me. My card was not stolen or lent to anyone. When these withdrawals occurred, I had my card with me and I was not near the area where these withdrawals occurred. I reported this to Chase, they opened an investigation and determined that the withdrawals were not incorrect and reversed the credits that were given to me to make up for the money that was stolen. I was told that I would have to provide proof that I did not make these withdrawals and said that video proof would not suffice. I spoke to a representative who said that there was nothing that I could show Chase that would demonstrate that it was fraud. I am completely stuck. 

The second time I called to ask why the investigation would be closed and the credit withdrawn, I was told that they would open the investigation again and was given no further information. A day later, I saw that the credits were taken from my account, so I called. I was told that the second investigation was closed within a day because I had failed to provide any proof that would show that it was fraud, but I was not told that I had to submit proof or given any information on where to send this proof. I don't understand why it was closed after a day when it is nowhere near enough time to even think about what exactly I can to begin to gather proof and the only proof that I could show, video from the ATM, I was told would not be enough because Chase would deny the claim and state that I had lent my card to someone. I was not given advice or tips on how to prevent this or what exactly I could do to demonstrate that I did not approve or went to the ATM to withdraw this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: ME

Complaint narrative:
I got an email from my credit card company about an alert. I checked my XXXX XXXX   and it shows I have a bill in collections that does not belong to me. It's for the amount of {$290.00} dollars that it claims I owe to XXXX XXXX XXXX and that the creditor 's information is Midwest Recovery Systems, LLC. I've been researching because I'm so frustrated and don't know what to do that I came across Midwest Recovery Systems as being a fraud company! I do not need this company ruining my credit and trying to steal money from me. I never got a letter in the mail, or a phone call, it just showed up on my credit karma. I don't even live in XXXX nor have I ever been in an ambulance before! MIDWEST RECOVERY SYSTEMS is a fraudulent company and needs to be stopped! This is the information XXXX XXXX shows : Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/2018 I financed loan with XXXX XXXX a total of {$1900.00}, unfortunately I lost my job and got pregnant. My XXXX has been very hard for me and could not go to work, due to complications, such as ; stationary XXXX, XXXX XXXX XXXX, excruciating XXXX XXXX and XXXX. My husband talked to them on several occasions to be patient with us and explained the situation about my illness and my expired residential card which I need to find a job. This item also has a cost of over {$500.00}. They said that they would take the next step, which is a lawsuit. A constable dropped off a card with the case number and left it on the windshield of one of our vehicles. No papers were served. My husband called to find out what was going on and the person on the phone said that papers were to be served and that was the procedures XXXX XXXX takes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: IL

Complaint narrative:
Complaint # XXXX has all of the details. Please reference that. U.S. Bank was supposed to send me a Visa gift card worth {$100.00} to make up for my aforementioned complaint, and instead they sent me a card with only an {$85.00} balance.

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 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I bought an XXXX  and data service on XX/XX/2017 from XXXX XXXX XXXX store located in XXXX XXXX ( XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX ) On XX/XX/2017, I took the XXXX back to an XXXX XXXX XXXX store near my house for return ( XXXX XXXX XXXX, XXXX, XXXX  XXXX ). They said, since I bought the XXXX in XXXX XXXX, I will have to take it to the same store for return. I explained today is the last day for return for which the attendant said she'll make a note on my account saying I visited an XXXX XXXX XXXX store within 14 days for return eligibility. 

Next day, I took the XXXX  back to the XXXX XXXX XXXX store at XXXX XXXX for return. I explained them the situation and said I am willing buy this XXXX for full price if the return is not allowed. They said its ok to return and took my XXXX  after charging a restocking fee of {$45.00} ( I still have this receipt where there is a line item for cancellation of installment plan ). 

I started getting calls from a collection agency saying I owe XXXX XXXX XXXX {$740.00}. I told them I don't have the XXXX anymore and how can they ask me to pay for an XXXX  they already took from me. 

I went back to the XXXX XXXX XXXX store located in XXXX XXXX ( XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ) and asked them why they are asking money for XXXX  that I already returned. The person in the store called XXXX XXXX XXXX customer care while I was there, spoke for an hour and said its fixed and I don't owe money to XXXX XXXX XXXX. 

After 3-4 months I again started getting calls from another collection agency for the same amout ( DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ). I explained to them the entire story. However now I have a collection record in my credit report. 

I have attached both the receipts from XXXX XXXX XXXX ( 1 for the initial sale and 1 for the return )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 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: MIDCOUNTRY FINANCIAL CORP
State: GA

Complaint narrative:
I sent a validation letter to XXXX XXXX, a Division of XXXX XXXX requesting validation for a debt that is listed as a chargeoff. The company has received this validation request on the XX/XX/2018 and has not been able to validate this debt. I have requested that they send me 1 ) Debt validation in the form of an original bill and detailed statement of procedures, 2 ) An agreement that authorizes them to collect this debt, 3 ) The agreement bearing my signature stating that I have agreed to assume the debt, 4 ) Valid copies of the debt and interest charges, if any, 5 ) Proof that the statute of limitations has not expired, 6 ) Complete payment history on this account along with an accounting of all additional charges being assessed, if any, 7 ) Proof that they are licensed to collect in my state and 8 ) The company 's license numbers and Registered Agent. The company has failed to provide me with any of the information that is listed but yet, they have responded to all three credit agencies that this debt is valid and they are continuing to report this chargeoff on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Trans-Fast Remittance LLC
State: OH

Complaint narrative:
I made a transfer on XX/XX/XXXX using transfast.com from USD to XXXX of {$4000.00}. After creating the transaction, the email from transfast said it will be deposited to my XXXX account on XX/XX/XXXX. Today ( XX/XX/XXXX ) morning i received an email saying my transfer is completed and " Your transfer has been picked up or received by your recipient. ". 
When i logged into my XXXX account, the money is not there. When contacted customer service XXXX said it should be there by EOD today, now it's XXXX, money is NOT THERE. 
When again contacted customer service over chat, new story ... money will be credited on XX/XX/XXXX, because there is " Another processing ''. 

So what does " Your transfer has been picked up or received by your recipient. '' means?????? 

It's definitely a fraud/scam to hold my fund for more time and using before releasing the fund to me according to the contract.

Company response to consumer: Closed with explanation