vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Service
State: OR

Complaint narrative:
I signed a one year lease with a " XXXX XXXX '' apartment complex named " XXXX XXXX XXXX  '' address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ID XXXX. 
I moved in XX/XX/2014. The place was a real dump. I moved out exactly one year later to the day and I had given them no notice that I planned on renewing the lease. The day that I moved out I had left a money order to cover the rent from XX/XX/XXXX-XX/XX/XXXX. When I moved out, the apartment was spotless and there was no money owed  on my part and they had a {$200.00} security deposit of my on file with their office I have an account with a credit report agency and I noticed that there was an amount in the amount of {$1200.00} + that was supposedly owed by me to XXXX  XXXX XXXX. 
They { XXXX XXXX XXXX. } made no attempt at all to try to contact me with any ... '' outstanding '' money supposedly owed by me to them. 
The worst part about it is the collections agency { Action Collection Service Inc. XXXX XXXX XXXX XXXX, XXXX, ID XXXX } who has several " complaints '' files against them, keeps tacking on more money almost every month. 
The bottom line is there is no money owed by me to XXXX XXXX, or XXXX XXXX XXXX. or any cheesy collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
I contacted XXXX XXXX XXXX to validate a debt that showed on my credit report as a collection. The company responded with a bill from XXXX dated XX/XX/2007. This is not proper validation as per the FCRA and the debt is beyond the statue of limitations and should not be listed on my credit report as per the FCRA. Furthermore, I have never done any business, of any kind with XXXX. I was never contacted by anyone prior to this debt being listed on my credit report. I respectfully request that this collection be removed from my credit reports until proper validation is presented that is within statue of limitations. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been a member of American Express since XX/XX/2004. They raised my interest when my financial situation changed, and my credit score dropped. I contacted AMEX today, and asked for a lower interest. I think now that my credit score has gone up, and I have never make a late payment in the last 14 years I would qualify for a lower interest. 
I was insulted by their customer service representative, and I was told that it was my fault that I was paying so much interest. I was told by him that if I didn't want to pay interest not to spend money of pay my credit in full every month, because it's all my fault. HE SHAMED ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ok so I owed Wells Fargo account {$170.00}. I recently paid it off and want to reopen my checking and savings account

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 2019-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect has a negative account on my record. They agreed to remove this account from my record several years ago. This is at least the second time I have entered a dispute regarding this company.

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 2019-01-06 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was robbed of my whole student loan check and I have a police report to prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: AES/PHEAA
State: NJ

Complaint narrative:
Again this another complaint against the student loan company American Education Services which is formerly the name of XXXX XXXX. I have filed complaints before in regards to their third-party collection practices. Allow me to refresh your memory : case # XXXX which involved XXXX XXXX and XXXX  and resulted with this company ceasing all collection activities against me ; case # XXXX which involved the law firm, XXXX XXXX XXXX XXXX and resulted in a Notice of Discontinuous that was filed in NY Supreme Court ; case # XXXX which involved the law firm, XXXX XXXX XXXX in which they claimed that the file was closed and left their office in XX/XX/XXXX.

However, I happened to check my credit score and decided to get my credit report. I found all this derogatory information on my credit report by American Education Services or AES/XXXX. On my credit report from XXXX in their comment section they claimed, " Transferred to recovery status updated XX/XX/XXXX. '' They also claimed that this account was first reported in XX/XX/XXXX meanwhile my account was opened on XX/XX/XXXX. My first initial payment to this company was on XX/XX/XXXX, My last payment to them was on XX/XX/XXXX. On my credit report from XXXX XXXX they claimed my last payment was on XX/XX/XXXX. Notice the difference of the last payment dates! In their remarks section they stated " Transferred to Recovery < > Unpaid balance charged off. '' Also this derogatory information is scheduled to come off my report in XX/XX/XXXX. However, this is the first of many derogatory complaints from this company XX/XX/XXXX, & XXXX. I will be filing separate complaints for each of them. I currently have disputes opened against them with XXXX XXXX and XXXX, I have to mail a request for a credit report with XXXX   because for some reason they would not allow me to get my credit report online. I do intend to file legal action against every last one of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frontline Asset Strategies, LLC
State: AZ

Complaint narrative:
I have spoken to the company in XXXX of XXXX. I have asked them to validate the amount and the debt in question. They sent me a graph picture with a blank account number and total amount due on XX/XX/XXXX. On XX/XX/XXXX my family and third party called me and let me know that the employees from Frontline Asset Strategies were harassing them with calls throughout the week, also informing me that they shared it was in regards to a {$4000.00} debt and I needed to pay or they would seek legal action against me. I emailed the company, Frontline Asset Strategies right away on the XXXX with the following statement : " My family & third party have contacted me to let me know that you have been harassing them about my account and you have contacted them on numerous occasions. You have also shared with them private information regarding my account which happens to be a violation of the FDCPA. Please do not contact any third parties, including my friends or family regarding my account with your firm. If you continue to do so I will seek legal action against your company and share the recorded conversations they have in regards to the shared information. In regards to my account, when we spoke XX/XX/XXXX, I requested a debt validation of the account to confirm this is or is not my account. You simply sent me a screen shot of a graph. Please, in moving forward, email or mail the appropriate findings and if you do call, please leave a message. I will return your call but I do not answer calls from unknown numbers. Moving forward, cease and desist all contact with third parties including family and friends. cease and desist in sharing my personal information with third parties. I do feel the best form of communication is through email so we are very clear moving forward. 
Thank you ''. Today, XX/XX/XXXX I received a call from another family member letting me know that Frontline Asset Strategies contacted them, were extremely rude and harassing looking for me threatening to seek legal action. I have requested Frontline Asset Strategies to not contact my family or third party and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
XXXX XXXX. It's impossible to find someone. XX/XX/XXXX the were going to revert the charge and almost three week later, stills there. AND, for some reason I don't know, when the amount was higher, the minimum payment was {$26.00} and now increased to {$33.00}. Seriously?

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 2019-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We have a loan with US Bank. Our monthly payment due is {$490.00}. We are responsible people that like to stay ahead on bills, so I send US Bank {$250.00} every two weeks, when we get paid. I do this so we always stay ahead, and every few months I can skip one payment and still be on time. 

Today we received a rather nasty notice that our account is behind, they have alerted a credit bureau, and they are going to " inspect '' our property. The letter was dated XX/XX/2019. 

They like to keep funds in " suspense. '' This has happened before, and when I contacted them, they literally told me that the payments to our account, were not being applied to the actual bill, rather they were being applied to the principal. According to them, the {$250.00} payments did not count as payments, because they were " partial payments. '' I threw a fit, and they corrected the issue so all the payments were then counted as actual payments on our account. The problem of course, is this keeps happening. In what world do people pay bills and still receive threatening letters in the mail? 

I don't want to have to throw a fit with these people every month. I feel like an XXXX  calling them and saying " Could you count my payment, as a PAYMENT. ''

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 2019-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: UT

Complaint narrative:
Failure to deliver funds for an emergency I transferred a sum of {$1400.00} to an XXXX account. Remitly has failed to keep with the promised delivery date and time. This has caused me a significant loss due a failure to pay off a financial commitment and pay for a medical family emergency.

Also, I wasted a lot of time on phone calls to Remitly to understand and find a solution to this problem. So far the fund has not been delivered.

I would not recommend Remitly. Remitly 's staff were also unhelpful and discourteous. I no longer need the money in the recipient account as there is no use for that money now. But Remitly is not agreeing to cancel the transfer and refund the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: PA

Complaint narrative:
This last response from XXXX XXXX XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response We are sending the customer a letter advising that we previously sent requests for the inquiries to be updated ; however, to further assist, we reached out to Equifax on his behalf to confirm the inquiry update. We further advised to allow until XX/XX/XXXX for the update to occur. 
DESCRIPTION OF NON-MONETARY RELIEF Credit bureau inquiries changed from hard to soft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMS Inc.
State: OK

Complaint narrative:
FMS INC. calling and reporting on my credit collections account that is not mine as a result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: CA

Complaint narrative:
After my initial complaint against Transunion the result was still still not verified they keep saying the account XXXX XXXX XXXX XXXX has been verified the company has failed to respond to me under the FDCPA and Transunion has failed under section 609 ( a ) ( 1 ) ( A ) so this has gone far enough class action lawsuit will begin on XX/XX/2019 if not resolved

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 2019-01-06 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: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
After my initial complaint against XXXX  the result was still still not verified they keep saying the account Sentry Recovery & Collection has been verified the company has failed to respond to me under the FDCPA and XXXX  has failed under section 609 ( a ) ( 1 ) ( A ) so this has gone far enough class action lawsuit will begin on XX/XX/2019 if not resolved

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 2019-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I requested a copy of my contract to calculate changes in the contract per my request. I requested Conns ' to remove all warranties from each product, credit life insurance, and property insurance. I provided them declaration page of renter insurance to remove credit life insurance and property insurance. They informed me it would take 21-30 days to update. I then receive email confirmation it was removed. I notice they indeed it was removed all the insurance and warranties for each product. However, the sale tax for the original amount paid was still the same. The amount of finance was still the same. I email them to ask when will they adjust my account, their response is they never dealt with a situation like this before. that was almost 90 days ago we are in the whole new year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
n Friday, XX/XX/2018, my husband and I visited the XXXX XXXX XXXX  store in XXXX, FL. Upon our arrival, we were greeted by a salesman by the name of XXXX. We explained to XXXX that we were interested in viewing their XXXX home but was NOT looking to purchase until XX/XX/2018 because we were working on paying down our credit card balances. After viewing the home, XXXX was adamant that we should allow him to do a soft internal pull of our credit score so that he could show us the accounts that we should focus on paying down. We agreed under the conditions that it was a soft, internal pull that would NOT affect our credit. To our surprise, it not only resulted in a hard pull but our information was also sent to XXXX XXXX XXXX  without our consent. As illustrated by the email communications, I was unsuccessfully in resolving this issue as well as explaining my concerns to the Owner of XXXX XXXX XXXX, XXXX XXXX. I was trying to get him to see that the information that XXXX communicated to us was clearly misleading and dishonest because otherwise, I wouldnt be upset if I came there with the intentions to buy. However, I was only looking and obtaining information to better prepare for my home-buying experience in the months to come. Please note that I never contacted XXXX XXXX to obtain any information regarding the status of the loan application-that information remains unknown.

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 2019-01-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On Friday, XX/XX/2018, my husband and I visited the XXXX XXXX XXXX  store in XXXX, FL. Upon our arrival, we were greeted by a salesman by the name of XXXX. We explained to XXXX that we were interested in viewing their XXXX home but was NOT looking to purchase until XX/XX/2018 because we were working on paying down our credit card balances. After viewing the home, XXXX was adamant that we should allow him to do a soft internal pull of our credit score so that he could show us the accounts that we should focus on paying down. We agreed under the conditions that it was a soft, internal pull that would NOT affect our credit. To our surprise, it not only resulted in a hard pull but our information was also sent to XXXX XXXX XXXX  without our consent. As illustrated by the email communications, I was unsuccessfully in resolving this issue as well as explaining my concerns to the Owner of XXXX XXXX XXXX, XXXX XXXX. I was trying to get him to see that the information that XXXX communicated to us was clearly misleading and dishonest because otherwise, I wouldnt be upset if I came there with the intentions to buy. However, I was only looking and obtaining information to better prepare for my home-buying experience in the months to come. Please note that I never contacted XXXX XXXX to obtain any information regarding the status of the loan application-that information remains unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: Ditech Financial LLC
State: LA

Complaint narrative:
Original complaint yielded unsatisfactory results. While I appreciate the prompt response from the company, there are discrepancies in their information. Ditech states that the debt should remain on my credit report until XX/XX/XXXX ; however, when disputed through XXXX  the company updated the date to XX/XX/XXXX, and now it is XX/XX/XXXX again. Also, in correspondence dated XX/XX/XXXX from Ditech, it states that they can not legally pursue the debt because it is past the statue of limitations, which is correct and therefore it should be removed from the credit report. Also, I have not made any payments in cash or to Ditech and would like an original ledger from XXXX with deposits or copies of checks for payments that they are stating have been made from XX/XX/XXXX-XX/XX/XXXX( I will contact my financial institution as well ). Lastly, the transaction record provided doesnt match the credit report ( it was uploaded with the original complaint ) and the delinquency record provided on the credit report. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XXXX, XXXX statement there was a mathematical error in computing a 'new total balance. ' From the amount of 'previous total balance ' of {$64000.00} there was deducted a payment made in previous month of {$1400.00}, added a ne charge of accumulated interest of {$240.00} which should have produced a 'new total balance of {$63000.00}. Instead a 'new total balance ' was provided as XXXX of a fraudulent increase of {$400.00} for no apparent reason. On XXXX, XXXX the amount of unexplained difference increased to {$400.00}. On XX/XX/XXXX I and my husband visited the local branch of Citizens bank and asked to correct the computational mistake. Instead we were told that the increase is a penalty if we prepay the loan before 3 years. This is a XXXX because in computations there is a line for " fees ' where that amount should have been mentioned if the computational equation should have ended in the 'new total balance ' of {$64000.00}. Moreover, why that amount has never been reflected in the computations since XXXX when the loan was initiated? Why that unexplained " charge '' appeared suddenly on XX/XX/XXXX statement?

Company response to consumer: Closed with explanation