vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: NC

Complaint narrative:
I took a course with the XXXX XXXX XXXX with monthly installment payments. I didn't complete payment of the course and they sent it to a collection Agency called UCSB Corporation. My account number as reflected on my credit report as XXXX. I settled the account in full for a lesser amount and they told me my credit bureau report would show a XXXX balance. However on my XXXX  credit report, it's still showing I owe a balance to the school for {$170.00}. I contacted the school and they informed me I still have a balance of {$170.00} and I would need to contact the collection agency because I made the agreement with them. This is a gross misrepresenation by the collection and I've repeatably requested a receipt and they claimed they emailed, faxed it, but I've never received it. They also stated they would mail me a receipt, but I've never received anything in the mail. The XXXX XXXX XXXX is at XXXX. If UCSB Corporation didn't have the authority to settle the account in full, then I would've never paid them and negotiated directly with the institution

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 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Got a Capital One Credit card in the mail that i applied for and before I could even use it it got hacked and XXXX worth of charges got put on it from another person that I don't even know that lives in Florida. But in the process of getting that straightened out I went to get a debt consolidation loan to pay off some of my debt and when I went to get the checks to payoff my debts I noticed they gave me a check for my Capital One Card and I told the lady at the loan company that those charges where not mine and I need my money back and she responded that it was on my credit report and it is our rules you have to send the check to Capital One and then they will refund your money. So I went ahead and sent the check and I waited for Capital One to credit it to the account then I got on the phone with the fraud Department of Capital One and told them what happened and after a long 3 month investigation they are telling me that I am not getting my money back. They also said they see that it was fraud but Capital One don't do refunds it is against there policy you have to go back to the loan company and get them to dispute the check. So I did that and the loan company said they will not dispute the check. So I guess I am just XXXX out from the the credit card company. Can you help me with this or tell me somebody who can. Sincerely, XXXX XXXX XXXX you can contact me at XXXX or XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi, 1.The US bank is recently stealing money of consumer through different ways. They have charged me many times, and sometime by disputing they fix the error, but most of the time they don't. On XX/XX/2018 they charged me overdue fee amount of {$36.00} without any reason. I called them more than 100 times to their customer services to solve the problem. Their customer services behave badly with clients, and they play a football game by transferring you to different departments. The loop goes for ever. Each time I call them they transfer me to each other for hours, until I stop the call. That is their strategy to steal people money and make them not call them back. I have been calling them each other day to solve my issue they told me it will take 10 business day, and it took more than 6 months. Last time when i call them to fix the issue they told me it is old case we dont keep data from 6 months. I told them that how it come a bank dont keep data of client when the client is disputing about that case. I told them if you dont have the prove I have it because i have the print version of my statement. They cut the call. So now I am confuse what to do? 

2. For the second case even though I opened case just couple days ago, but I will relate this with the above case because there is something going wrong with the banking system, I hope the CFPB and any other response government agency take the case more seriously because I fear they are doing the same thing with many clients. On Saturday XX/XX/2018, I was depositing {$600.00} cash into my checking account via US bank ATM machine.As I was traveling, and I needed the money badly to pay for gas, and other bills. However the machine gave me an error and printed out XXXX $ is deposited which doesn't make any sense. I called the bank several times, and I was getting different responses from the customer services. Some of them told me that you have to wait two months, and some told me 45 business day. While others told me within 10 business day. After 10 business day I asked what happens to my money, they told me when don't know how long it will take. As I want the CFPB to publish my description on consumerfinance.gov so I urge us bank client be aware of the ongoing fraud in US bank, and be careful check your accounts daily. Avoid your selves before you become victim like me. thanks

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 2018-11-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On Friday, XX/XX/2018 I was contacted by an individual claiming to be from Bank of America. She said here name was XXXX and the number she called from is XXXX. She said she was calling in regards to my home equity line of credit. I do not have any accounts with Bank of America nor have I applied for a home equity line of credit from Bank of America. She asked for personal information to confirm my identity. I did not give her any and hung up. I contacted Bank of America to inquire about any activity under my name and they said they did not have any.

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 2018-11-09 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: AmeriCollect
State: IL

Complaint narrative:
I disputed an Americollect account that is reporting medical debt in XX/XX/2018 with XXXX and XXXX. XXXX  and XXXX responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed an XXXX account that is reporting medical debt in XX/XX/2018 with Experian and XXXX. Experian and XXXX responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this 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 non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IL

Complaint narrative:
I had disputed the debt with Americollect for {$1000.00} they are trying to collect from a hospital. I was insured by Medicaid for % 100 of all hospital services and had given my insurance information  any time I went to hospital or physician. The account was placed for collection XX/XX/2013. Americollect had not sent me notice that it was to report to credit reporting agencies. This account has to be from a billing error. I have not received an Itemized bill from hospital or americollect or who has been billed in regards to services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX  of XXXX XXXX XXXX  called me onXX/XX/XXXX and told me that the call was being recorded and he is calling about my credit account with XXXX XXXX XXXX XXXX. I told him that I don't owe any money to anyone. He confirmed my name and insisted that I do owe the money.. He went on to ask if we can settle this matter today. I hung up on him because I got a call from this company earlier in the week. I told the caller that I don't have a XXXX account ; he asked if my birthday was XX/XX/XXXXand I told him it wasn't. He told me that he will take my number off of the list. I don't own any explanation to anyone about my bills, which are in good standing, and, they should know who they are calling before they turn on the strong talk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UMPQUA HOLDINGS CORPORATION
State: CO

Complaint narrative:
I am an employee of a company that is owned by my husband. On XX/XX/18 around XXXX XXXX I received a phone call from a woman who failed to identify herself or what company she was calling from. She called my personal cell phone asking to speak to my husband and refused to give me any information regarding who she was. I am under no obligation to even speak to someone when they initiate a phone call like this. After a few minutes I decided to call the number back, assuming I would get a main menu type of answer, which would tell me what company was trying to contact me/my husband. The same woman answered and identified herself as XXXX from XXXX XXXX XXXX, and she was immediately rude once she realized it was me calling. I, of course, I then reciprocated the same tone and behavior toward her. She works for a company that supplied a loan to my husband 's business and she wanted to speak to him ( the owner ) regarding said loan. He called her back, spoke to her about her issue and told her to never ever call me on my personal phone number again. She has all corporate contact information and there is no reason for her to contact an employee on their personal phone number. 
Part of my job is to deal with financial aspects of the business, so I sent an email to the original contact used to obtain the loan, asking for direction on other lenders they use. We intend to pull our loans from XXXX XXXX due to the interaction with XXXX yesterday. She decided, after being told never to contact me on my personal phone again, to call me on my personal phone number and complain about how I contacted the original lending company. Her contacting me is completely unnecessary and serves no purpose other than to harass me. She has been told now numerous times to contact only the company phone number if she has an issue. 
My husband let many of his business owner friends and acquaintances know about this company prior to this unprofessional joke contacting me. Now we will begin the process of letting everyone know they are harassing, unprofessional, and bullies. I reside in Colorado, where harassment is illegal. She committed a crime as well as far as my local laws are concerned

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 2018-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I received {$24000.00}. from my insurance company for damages to my home. The checks I received had to be endorsed my myself and Loancare. I sent loancare the checks and insuranceclaim check, required an inspection which passed 100 % and I sent supporting documents to show I paid my contractors. I sent all paperwork, they have had my money for 6 weeks ( XX/XX/18 ) and I already paid for all the expenses to my house through my equity line and I am now paying interest as well. I keep getting the runaround with XXXX  regarding my monies. Please help, I have recently read reviews about them online and many many people are reporting similar problems with this company. Thank you XXXX XXXX XXXX XXXX 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 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
On XX/XX/XXXX I pulled my credit report to discover that Rent Recovery Solutions located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, hereinafter Respondent was reporting information on my credit report which I have no personal knowledge of. 

I have had no prior dealings with the Respondent. 

On XX/XX/XXXX, I delivered a letter via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX to the Respondent requesting, in purview of the 15 U.S.C. 1692g, for them to validate their claim of debt against me. 

As of the date of this complaint the Respondent has not presented any factual evidence of " Record '' ( as defined in 15 USC 78x ( a ) ), that would show that I am contractually obligated to pay, Rent Recovery Solutions, a collection agency, anything. However, the Respondent continues to report false information about me to the credit reporting agencies. 

I am with reasonable belief that the Respondent is in violation of the following : Using deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair or unconscionable means to collect or attempt to collect the alleged debt ( 15 U.S.C. 1692f ) Failing to send a 30 day validation notice within five days of the initial communication ( 15 U.S.C. 1692g ) Attempting to collect after being notified to cease and desist ( 15 U.S.C. 1692c ) Failing to report my dispute to the credit bureaus ( 15 U.S.C. 1692e ) Failing to validate while continuing to pursue collection ( 15 U.S.C. 1692g ) Attempting to collect an amount not authorized by agreement of law ( 15 U.S.C. 1692f ( 3 ) ) Willful noncompliance ( 15 U.S.C. 1681n ) Negligent noncompliance ( 15 U.S.C. 1681o ) On XX/XX/XXXX, I delivered a " Notice and Demand '' via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX giving the Respondent " Fair Notice '' and a chance to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I try to pay at their website, it simply never gets applied. They do not mail me any payment coupons so I don't know anything about the payment, or have any ability to pay accurately. All they do is keep leaving truncated voicemails and refuse to do anything unless I play their game on the telephone which takes much longer than necessary. Really, how do they have a payment website but can't or won't process the payment. I am so sick and tired of these fools and thier seemingly malicious abuse. Please take away their handling of any student loans. This mightmare with these XXXX has been going on for years now! 
My last payment I made was on XX/XX/18, and my payment confirmation # was XXXX. But still they are demanding payment as if it was never rec 'd.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For four years, Experian has prohibited me from accessing my annual free credit report through the XXXX website. This has happened ever since I moved to my current address in XXXX. The refusal statement I received this year ( XX/XX/XXXX ) read : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX Request Service XXXX. XXXX  XXXX XXXX, GA XXXX '' In XXXX, XXXX and XXXX I requested in writing that Experian correct the issue preventing me from accessing my report online when I requested my report using the address above. They have consistently refused, thus I am requesting CFPB step in to assist me with correcting whatever condition ( Experian has refused to disclose ) is causing the issue.

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 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: IN

Complaint narrative:
Contacted on XXXX to make payment on an account. Accepted payment of $ XXXX and I provided them banking information and they accepted the payment. They called back 10-15 minutes later and said they could not accept that amount anymore and I needed to pay {$17000.00}. Debt collector had told me that by paying the $ XXXX it would be removed from my credit. When I called back and spoke to manager she stated they can't accept the $ XXXX anymore and they would not remove it from my credit. I have 3 letters from them stating to pay the {$12000.00}. Transaction ID XXXX. I asked to speak to someone else higher up and she refused. 

They are extorting clients and making false promises. They created a contract by accepting the {$12000.00} and stating it would take care of it and be removed from credit then once I paid the story changed. This company should not be in business. Unfair, unethical, and illegal practices to extort money out of patients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I have disputed an account with XXXX  several times with more then enough documentation to support removal of an account. The account in question is Originally from XXXX  and is now being held by CCS they are located at XXXX XXXX XXXX XXXX, MA XXXX. They have since taken the balance down from {$730.00} to now {$500.00} after my last dispute. So even if that were valid then It should not be in collections or reporting as late at all because they had the wrong amount this entire time and therefore it was wrong to begin with. Unfortunately for XXXX and CCS I have been sent 3 different documents from XXXX stating a {$0.00} balance is owed and the matter closed. Luckily XXXX investigated this and removed it because it is fraudulent. It is still effecting my credit negatively. If a mistake was made by either XXXX or CCS, with all do respect it is not my problem. They emailed and mailed me confirmation of a {$0.00} balance and nothing being owed. Which i will hopefully be able to attach to this complaint as well. This company has over 500 XXXX complaints, this isnt normal. I will be filling a corresponding complaint with the Attorney General 's office as well in their state of Massachusetts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. on or around XXXX-XX/XX/2014. Where XXXX XXXX XXXX pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and XXXX XXXX XXXX family which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX where they fraudulently open online banking, bank cards and other bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. With out permission or authorization from me XXXX XXXX Where the XXXX family continue to control and spend larger amounts of my money up to {>= $1,000,000} XXXX Dollars. Allowing them to open other bank accounts at other Banks. XXXX XXXX XXXX her family lives at XXXX XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX XXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against me to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX / XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation