vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PCS Receivables Corp.
State: VA

Complaint narrative:
Prime Acceptance has been difficult to work with from the beginning. My girlfriend was the primary person on the application and she tried returning the product less than 5 days of having it. She called the salesmen and the company in XXXX and they told her too bad she had to keep the product even though the loan was " secured ''. My girl friend left her job because they were calling multiple times per day and her manager was mad that she was receiving personal calls at work. They threatened to garnish her wages  and told her that they would make her pay either way. They have not updated any information on my XXXX report since XX/XX/XXXX. I pulled a report from XXXX on XX/XX/XXXX it showed a balance of XXXX in XX/XX/XXXX. However, on the XXXX report pulled XX/XX/XXXX they show a balance of XXXX. XX/XX/XXXX I had a XXXX report pulled and it shows the reporting XXXX dollars from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX had court case was finalized against my girl friend for this account in the amount of XXXX but on my report XXXX dollars. We have received no more letters or correspondence since then. My XXXX XXXX report is showing this account currently listed as XXXX XXXX  and has not been unpdated since XX/XX/XXXX. My XXXX XXXX report is listed as Prime acceptance. I have disputed this information because this account because no similar accounts even show up on my XXXX  account. My girl friend is showing the XXXX XXXX on her XXXX and Prime Acceptance on XXXX but not on XXXX.. Per my bank it is illegal for both accounts to 1. choose which report they are going to report to and 2 have 2 companies reporting for the same account with different amounts.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Morgan & Associates, P.C.
State: MO

Complaint narrative:
Hello-I am in the process of obtaining a mortgage. The credit card debt was paid in XX/XX/XXXX through a wage garnishment but the attorney ( Morgan and Associates XXXX XXXX XXXX XXXX OK XXXX ) has not provided me a Satisfaction of Judgement to me after my request in XXXX XXXX nor provided the XXXX XXXX MO Court System a release of debt. I am in danger of losing this mortgage due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I disputed this reporting XXXX of 2018 and my XXXX  removed this account from my report. However XXXX and XXXX   refused to remove the account even though I left them know that XXXX had removed the account because it wasnt correct. I have called XXXX and requested they take the account off as well since XXXX did but they refused. I am trying to figure out why one company will remove the account but the other two will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation
State: WI

Complaint narrative:
Today, XX/XX/2019, I, XXXX XXXX, received an envelope from XXXX XXXX. Clearly in the address window were the words " payable to '' followed by my name and address. I opened it out of curiosity. It was a solicitation to take a loan with XXXX XXXX. Upon reading further, the check was live and cashable. The terms of the installment loan would be an APR of 44.99 % for a two year, {$2000.00} loan. I have pictures and originals of all documents. 

I think this would qualify as predatory and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
Upon looking at an alert on my XXXX  and XXXX  report the company by the name of XXXX XXXX put a collection on my report from XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of XXXX it was recently removed from a collection agency before because I had no knowledge of the account, so I called inquiring about it spoke to agent # XXXX XXXX and she said a letter was sent out in XX/XX/XXXX and upon looking at your file this is our first time speaking with you and I said well if thats the case how do I know a letter was actually sent out then and she she stated we are a third party collecting a debt for XXXX XXXX XXXX XXXX and I asked for validation of this debt since they put this in my credit report she said she had to contact XXXX XXXX XXXX XXXX, I immediately knew this was a shady practice and she pretty much pressured me to pay for something I had no knowledge of and said upon paying they will send a email to send to the bureau, so with that being said Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without it please remove it and if it continues to happen I will pursue suit because the company has damaged my excellent credit that i have spent years to get it wear it needs to be surely XXXX I would not let damage my credit or ignore if I have thousands of dollars credit that I pay 100 % on time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX incorrectly applied two mortgage payments inXX/XX/2018. This created a delinquency for XX/XX/XXXX payment and beyond. Ive been in contact with XXXX since XX/XX/XXXX and the problem is only partially resolved. XX/XX/XXXX-XX/XX/XXXX shoe correct payments on time. XXXX- present show as delinquent and this is incorrect. Ive submitted copies of cashed checks and the problem has 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 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XXXX/XXXX/XXXX. XXXX XXXX  which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Circle Internet Financial

Complaint narrative:
I had a position in XXXX with XXXX ( XXXX, XXXX. XX/XX/2019 - XXXX, MA, USA ) I sold the XXXX  and converted them to USDC for remittance to my bank account with XXXX XXXX  in XXXX. 
XXXX transferred the funds to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) to make the transfer to me. 
Circle require verification of destination account and for this asked me to make a transfer of US {$5.00} to their account with some unknown bank ( XXXX XXXX in XXXX XXXX The XXXX code they provided for XXXX XXXX ( XXXX ) is wrong/does not exist and my bank can not make the transfer to verify my account. 
I informed them about this and they asked me to try some other XXXX codes all of which did not work either. 

Circle are basically washing their hands and I can not receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I sent this money to this guy over PayPal, he tricked me into saying I need to pay w friends and family to recieve my item I was promise. After I sent through PayPal friends and family, I then was blocked and he said get scammed. Can I please have a full refund of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
hello I'm paying for a car loan too much interest of XXXX dollars a month just a little less than 50 % goes to the balance of the loan or is of interest charge XXXX dollars I've been paying almost a year XXXX and my balance shows that I paid just XXXX dollars Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: CO

Complaint narrative:
I legally changed my name in XXXX of 2016. When my mortgage broker tried to pull up my credit report with Equifax, they were only able to pull up my credit history with my old name, and no new information with my new name. I changed my name with the social security office, my credit union ( where I have a credit card ), and with my student loans servicer and the department of education. I provided my name change documentation since I discovered Equifax has not been keeping up to date records. If you could please help me link my credit history from my old name to my new name. And also discover why Equifax was unable to link the accounts when both the social security administration and my creditors were able to process my name change. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Hello-I am in the process of obtaining a mortgage. The credit card debt was paid in XX/XX/XXXX through a wage garnishment but the attorney ( XXXX and Associates XXXX XXXX XXXX XXXX OK XXXX ) has not provided me a Satisfaction of Judgement to me after my request in mid-XX/XX/2019 nor provided the XXXX XXXX MO XXXX XXXX a release of debt. I am in danger of losing this mortgage due to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
In XX/XX/2018, I contacted XXXX to have them come out on XX/XX/18 and spray for ants. I paid the initial fee of {$99.00} for the first visit and agreed to quarterly payments of {$120.00} every three months. 
On XX/XX/18, I emailed XXXX at XXXX saying that the ant problem was worse than before they came. She said that was normal. 
I emailed several more times saying I wasn't pleased with their service as the ants were still invading our house. 
On XX/XX/XXXX, I emailed stating that I did not want their service any longer because the ant problem was never resolved. I started getting emails saying that I owed them the {$120.00} for the first quarter even though it hadn't even been 3 months yet AND I paid for the initial treatment. 
I emailed XXXX on XX/XX/XXXX complaining again that I was still getting bill notices even though I had canceled the month before. 
I then contacted XXXX on XX/XX/18 and he basically said I never canceled even though I had a trail of emails showing that I did AND we weren't getting service from them anymore so why would I owe anything. He refused to listen or help with the situation. I have tried to contact him several times more and have received no response. 
In XX/XX/XXXX, I received a bill from Optio Solutions Collection agency for {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I received the below email from BBVA on XX/XX/XXXX : " This might be the easiest {$25.00} you'll ever earn. 
We noticed that you haven't taken advantage of your BBVA Compass checking account of late. Which is a shame because it has great features that can make your financial life easier to manage. You can access your account now with our award-winning Mobile App, online, or by visiting a branch near you. 

Simply bring your checking balance to {$100.00} by XX/XX/XXXX, and, if you still have {$100.00} in your account on XX/XX/XXXX, we'll deposit {$25.00} in your account within 90 days. '' I raised my checking account with them to {$100.00} on XX/XX/XXXX. 

I reached out to them today and they said I do no qualify " REPLY : Dear XXXX XXXX, Thank you for contacting BBVA Compass regarding the status of your Promotional Bonus. 
We would first like to thank you for choosing us as your bank, as we do value your continuing patronage. 
Upon reviewing your account ending in XXXX, we have verified that you do not qualify for the {$25.00} Increase DDA Balance Offer. This is due to you having a Promotional Bonus deposit into your account within the last 12 months of receiving this Offer. Your last Bonus was deposited on XX/XX/XXXX for {$200.00}. As a result, no Promotional Bonus will be provided at this time. '' The rules of the offer at below of the email. 

" There is a maximum of one ( 1 ) bonus per household. This offer is not combinable with any other bonus offer. You must be a BBVA Compass consumer checking primary account holder who received this communication by ( email/mail ) from BBVA Compass. To qualify you can not have received a cash bonus in the past 12 months. The {$25.00} bonus will be deposited to the primary account holder 's checking account within 90 days of meeting the bonus requirements. Account must be open and in good standing with a balance of {$0.00} or more at the time of bonus payment in order to receive the bonus. BBVA Compass may report the value of the bonus to the IRS as required by law. Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' Per their response my cash bonus for opening the account was provided on XX/XX/XXXX and was targeted per email for this offer and the eligible payout was XX/XX/XXXX which is over 12 months from last bonus date. BBVA should not target people not eligible for bonuses even if doing all of the requirements. 

I've held funds in the account just to satisfy these requirements with BBVA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
This company uses robo calls and they call at least once a day often 2 or 3  times, no one in my household knows what they want as none of us are behind on anything the number is my house number but they also have my cell number which I have blocked -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX  unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.

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 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX  on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX  unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX  on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.

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