vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Newman, Hesse & Associates, P. A.
State: WA

Complaint narrative:
On XX/XX/XXXX, received in the mail an garnishment notification from Newman, Hesse and Associates, P.A. from XXXX, KS for a bad debt from check written in XXXX KS, on XX/XX/XXXX. This was the first I have heard about the check. I left Kansas in XXXX after college and was never served by the court or collector, never got any mail on it nor was I informed by anyone on this. I was never able to represent myself or even attempt to pay it ( with no contact how would I know ) however this group filed in XX/XX/XXXX with XXXX county court for judgement, then in XX/XX/XXXX took it to court again. Filed a third time in XX/XX/XXXX, a fourth time in XX/XX/XXXX, the fifth time XX/XX/XXXX, and finally in XX/XX/XXXX got a garnishment setup. With this garnishment they did not even send it to a correct employer. I do not work in XXXX IL. My employer does not do business in XXXX nor am I a resident there. From what I also understand is that they also have to file in the local state to garnish to begin with. I check my credit and nothing there either. With this debt they are running up the bill which started at XXXX after fees and charges is now XXXX. This is robbery. Plus my information is now with a company I do not work for or do business with. They need to be stopped. I have had no notification from the state nor the company except this letter which I took the AG for Kansas ( how I  got the info on what it was on ). The state of Kansas knew where I lived for the last 18 years as we paid a debt my wife owed. This is unfair and wrong and after 20 years ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: AL

Complaint narrative:
XX/XX/2017 {$450.00} medical debt for medical procedure performed in office by XXXX XXXX XXXX. This was paid by XXXX. I was never offered a payment plan for this debt, before it was sent to a collection agency. But, I am covered under the XXXX ( XXXX XXXX XXXX program ) This benefit protects me, by law from any medical cost such as : deductibles, co-payments, or any unpaid medical services not covered by insurance because of my low income. This debt is past statute of limitation and yet a debt collector is harassing me for an unpaid bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
I received a notice that my credit report had changed on XXXX and found that a company named Southwest Credit Systems is trying to collect on a debt that I do not owe. They can not prove I owe it per the Fair Credit Reporting Act. I have received no correspondence in the mail. It says this is for utilities and I have never been late on any utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: PA

Complaint narrative:
2 payments were missed, XX/XX/XXXX and XX/XX/2019. The payments were supposed to be directly debited from my parents account after the initial payment in XX/XX/2019. Once the error was corrected, the loan has been paid automatically on time ever since.

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 2020-02-20 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: MoneyLion Inc.
State: GA

Complaint narrative:
I filed chapter XXXX bankruptcy on XX/XX/2020. Money Lion has been included in the bankruptcy and they were aware 2 days after filing ( even though it is a no asset case ), and this can be proved because they sent in a claim. They have since refused to report the account as included in the bankruptcy and continue to report late payments AFTER the filing date. They also still tried to collect payments AFTER the filing. I sent an email to them and they are beating around the bush, refusing to update the report and stating that they will keep the payment history as is. It should NOT continue to accrue late payments while in an active bankruptcy and definitely shouldn't be reported as open at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Car was total loss on XX/XX/2020 and the insurance company sent a payoff check on XX/XX/2020 for {$11000.00}. The payoff has not been applied and I tried to contact them and they dont know when it will applied and they have hang up on me and provided little to no information. In the meantime they raise the amount due to almost {$1000.00} and keep milking the fees and interest instead of applying the payment. I been denied car loans because the car is not paid off yet due to their incompetence. This issue is with Ally Auto.

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 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
Two problems.

1. A dispute was filed and the bank reversed the credit and closed the dispute without notice, explanation, or documentation. Bank refuses to provide additional information.

2. Key master debit card is rejected online. The merchant stated that the Avs ( address verification ) info is not available and therefore the card is not supported. 
Upon XXXX  the card not supported, multiple websites reference the card issuer as problem not merchant. Key continues to deny any problems or restrictions. Which continue to deny me using my card anywhere that I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UBS BANK USA
State: VA

Complaint narrative:
I HAVE BEEN ASKING FOR A REFUND OF MY CREDIT BALANCE SINCE XX/XX/20. UBS CLAIMS TO HAVE SENT CHECKS BUT CAN NOT PROVIDE CHECK NUMBERS AND I HAVE NEVER RECEIVED A CREDIT BALANCE REFUND AS PROMISED. ASSOCIATES ARE POWERLESS TO SOLVE MY PROBLEM AND DO NOT CARE. THEY MAKE NO ATTEMPT WHATSOEVER TO TAKE INITIATIVE TO FIND OUT WHERE MY REFUND IS. SUPERVISOR ARE NOT AVAILABLE AND DO NOT RETURN CALLS. UBS CUSTOMER SERVICE IS ABHORRENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I fell behind in my mortgage due to the natural disaster of hurricane Irma then Michael then Dorian all FEMA disasters one after the other. I was previously with a different mortgage servicer then my loan transferred to Select Portfolio servicing and I had to start the modification process all over. They have been very difficult to work with and they declined me but then I had a change in circumstance and my income increased by a  substantial amount to where I could qualify for retention options. I submitted my update information and application on or about XX/XX/2020 but they claimed they didn't have time to review me due to the XX/XX/2020 sale date. This is not true and I was well beyond the 37 days before the sale guideline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I scheduled an electronic payment. They canceled it/ never processed my payment. Then they charged me a late fee and interest.

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 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had a XXXX Account opened in XXXX and its been paid off for years. It doesn't even show up on my credit report. Midland Creditors sued me without me knowing did paperwork at a XXXX Superior court house in california. I got an alert that may bank account was levied. I went to the bank because i did not  know what was happening my saving was wiped out, no money. The bank told me my account was levied by Midland Creditors. They gave me a case # so i went to the court house, I then went to the court house to inquire on what happening because i was so nervous because they took my money and i have that money for my bills. I request all paperwork pertaining to my case #. I have never ever received any of the documents that were being used in court. So apparently i missed a court date for me to appear so the judgement went against me and they were able to levy my acct. I contacted Midland and the account number they gave is not my acct number because i have my old credit reports from XXXX and my XXXX   acct does not match the acct number they claim belongs to me. The original amount they stated is {$7200.00} but they applied interest and know they want {$15000.00}. Please see attached document from Midland. I got a lawyer and they basically told him that I owe with no proof of the loan only my name and ss #. They have no proof nor does my acct number match there's. My husband also received a letter from the XXXX County Sheriffs Dept that his account was subject to a levy as well.the paperwork attached summary is all the documents that were being filed with the court behind my back. I knew nothing about this. In XXXX i purchased my first home, then in XXXX my second home never has this beneficial acct number been attached to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I received a voicemail on XX/XX/2020 from IQ Data International for collection on an outstanding debt. I promptly returned the call and I was told it was a debt of {$98.00} from XXXX XXXX XXXX XXXX   After some back and forth with the the debt collector, XXXX XXXX, I was connected with XXXX, a manager. I requested written proof of the debt and was denied. He claimed that I had already acknowledged the debt, which is false, and that payment needed to be made immediately. XXXX used threatening tactics and, unprompted, began to read through a list of my personal information which I assume had been provided by XXXX XXXX. Feeling threatened, I hung up and called back to XXXX 's direct line. 

XXXX put me in contact with XXXX XXXX during the second call. I again requested written proof to be sent to my current address. She denied that request and told me that had until the next day to pay the debt or it be sent to the credit agencies. I was told by XXXX XXXX that a collection letter had already been sent to my address on file, and that the company had therefore fulfilled their obligation to provide written proof. When I asked for her to provide the address that they had on file, she provided the address of the apartment that I had moved out of at XXXX XXXX. When I told her that was an invalid address and that I had provided XXXX XXXX  with the correct forwarding address upon move-out ( part of my official move-out paperwork at the end of my lease ) she accused me of not correctly providing the information to XXXX XXXX management. When I offered to provide my current address so that the collection company could send me the written proof of the debt, XXXX XXXX refused to take the information, again stating that they had already fulfilled their obligation. I never acknowledged the debt was mine but XXXX XXXX told me that just the fact I was continuing to have this conversation was acknowledgement in itself then threatened to mark me as " refusal to pay '' and send my info to credit agencies. 

Additionally, during the first call, without asking him to, XXXX XXXX read out aloud my social security number in an attempt to prove that he was a legitimate debt collector. When I still insisted upon receiving written proof of the debt, he said that the fact that he had my social security number should be sufficient proof, and that he had enough of my personal information that he could " open a credit card in [ my ] name and do a lot worse than {$98.00} ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 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: Ability Recovery Services, LLC
State: NY

Complaint narrative:
Disputed an erroneous account with Ability Recovery Services, however they have failed to remove the account from my credit report and have not responded to my letter.

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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.

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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have some missed payments on my report that have been there for a year or so now. Since that time I have made on-time payments with no late fees and would like to have them removed. The cause of these late p [ ayments was due to my incarceration and had no access to my income or anything of that nature. These payments are preventing me from getting a home as well as other things I need to improve my well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Sold home on XX/XX/2019. Still is not showing that it paid off and closed. I have call Wells Fargo to ask them to report it. They told that they have.

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 2020-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Target credit card was unpaid from XX/XX/XXXX until XX/XX/XXXX. I thought I had signed up online for automatic pay from my checking account. I didn't realize the payments weren't coming out of my account. I was a XXXX XXXX and had changed addresses so I didn't receive notices in the mail. I didn't realize I was past due until I started receiving phone calls that I was past due. I immediately paid the balance in full. Target was unwilling to work with me to remove the derogatory information from my credit report. If you look at my entire credit report, I have only had one other issue with a student loan. Everything else has been paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
About XXXX XXXX, I was contacted by Credit Acceptance to collect a debt from me totaling {$9900.00}. The agent stated to me that he was an employee of the collections department of Credit Acceptance, as they do all of their debt collecting in-house. Then then stated that the company was willing to settle on the debt for {$3900.00}. I told him that if he could give me until the first of the year, I would definitely be willing to pay that amount. He responded that was doable as long as I paid {$100.00} before XX/XX/2019, to lock in the settlement. I asked him specifically, if I paid this, would the company would be willing to delete this discrepancy from my credit report and he responded yes. So, asked if I could have in writing these terms and he said that he would be sending them via postal services. 
No more than 1 week later, I received the letter, however, it didn't reflect the information that the account would be deleted from my credit as promised once payments were satisfied. 

I called back to Credit Acceptance and explained the situation and what I was expecting. This time, I spoke to his alleged supervisor for his department and she informed me that the gentleman didn't give me true Information, as deleting the account was not something that could be accomplished. 
So, at this point, I was told one thing by one employee and then something completely different by another employee of the same company and same department.

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 2020-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2020 I tried by all means to withdraw from the coinbase.com wallet the value of {$110.00} in bitcoins, which have been impossible to withdraw, because a legend appears that my account is already restricted. On no previous occasion I had problems, but now the account is restricted so I can't withdraw my money. 
I have communicated with the official support, and they told me that there is no support for the area where I live, I just have to solve they problem all by myself. Then they sent me another email telling me that the case was closed, and I still can't withdraw my money from the wallet. 
To be clear, I have all my documents verified by the company, and I am enabled to deposit and withdraw cryptocurrencies in my wallet. I have all the verifications in 2 steps, code by mail, code by phone number and fingerprint, and still I can not withdraw my money. 
I will be thankful if you can help me with this problem.

Company response to consumer: Closed with explanation