vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery continues to contact me. They do not leave a message. I was involved with a class action suit with Portfolio Recovery that was settled a few months ago. I have filed a complaint against this company a few months ago and the calls have increased and they call from different numbers in different states. This harassment needs to stop. I do not owe this company any money. My last complaint was also for them pulling my credit without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Dear Sir or Madam, I am a long time customer of Suntrust Bank in XXXX, Md. I am seeking your assistance with an issue I am having with Suntrust. 
In XXXX I met with the XXXX Branch manager, XXXX XXXX XXXX, VP who offered to open a new credit card account with Suntrust and to move a balance I had with XXXX XXXX XXXX onto the new account which would be interest free for a period of 12 months. The account was opened and I began making payments against the balance that was posted to the account which I believed had been paid off at XXXX XXXX XXXX and added onto the new Suntrust credit card account. 
Suntrust did NOT pay off the account with XXXX XXXX XXXX. I allowed some time, thinking there might be a slight delay to allow for mailing, handling and administration. When I got my new XXXX statement from XXXX XXXX XXXX showing that the account had still NOT been paid off by Suntrust I called Suntrust and went in to see the branch manager, XXXX XXXX again yesterday, XXXX XXXX. 
While she was helpful, she was not able to resolve this issue and declined to credit my new Suntrust credit card account for the amount that Suntrust applied to the account without paying off my XXXX XXXX XXXX balance. She tells me that they will have to research what happened and find out what happened to the check they say they issued to pay the balance at XXXX XXXX XXXX. In the meantime I now still have a balance at XXXX XXXX XXXX incurring interest and I have a balance at Suntrust that I DO NOT OWE them and that she tells me I need to continue to pay on. 
I am sure that Suntrust will attempt to resolve this issue but, at the moment, I am in a situation that is untenable and do not believe is my problem to resolve. I believe Suntrust should have immediately credited my Suntrust account while they do their research and figure out what happened. I certainly do not think I should have a balance due at Suntrust since they did not pay off my XXXX XXXX XXXX account. If they succeed in paying off my XXXX XXXX XXXX account in the future then they can charge my new Suntrust account at that time. 
I would appreciate any assistance you can provide in resolving this issue. I can be reached at XXXX. 
Thank you

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 2017-08-31 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: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
Allied Collection Service reported the exact same accounts twice on my credit report. I paid them {$330.00} on XX/XX/XXXX. I was told that both accounts would be deleted which 1 by the way was false information because the account was inserted on my credit report twice with the same exact same account number, the exact same company and the exact same amount. I have yet to receive a deletion letter as I was told on several occasions. Each time I call they tell me that all calls are recorded but coincidently they can not find the recorded call where I was told that the account would bed deleted. Once the 1st account was updated as paid instead of deleted I called explaining that I was told that the both accounts should have been deleted. I have spoken with several supervisors that told me they would follow up with me and did n't. As of todays date XX/XX/XXXX ( over a month in a half at this point ) supervisor XXXX XXXX advised me that my deletion letter was requested today and will be mailed out no later than tomorrow and to give it 7-10 business days before receiving it. I have absolutely no faith in that ( hence the reason I am still writing the complaint ). This is mistake on Allied 's part that needs to be resolved. They had no valid reason for reporting the same account twice on my credit report and then not update neither of them correctly as promised.

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 2017-08-31 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is ( for the second year in a row ) refusing to provide me with my Annual Credit Report under the FACT Act. I receive the error message " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' They can not identify that error, nor tell me what can be done to resolve it. 

I filed complaints about this last year as well and continue to have the same troubles this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
I was made aware of a debt owed when I checked my credit report back in XXXX. 

I have called and worked with this company to try and get paperwork together to clear this debt up. 

On XX/XX/XXXX, I contacted the debt collector and asked if we could come to an agreement on my {$2700.00} debt. The debt is for my daughter, so my ex-husband ( her father ) is also responsible. I was told that I would be given a 20 % discount, making the amount owed {$2100.00}. I told the person that I would send a check the next day for {$1000.00} to cover my half of my debt if it meant my portion of the debt would be paid in full, and that would be reflected on my credit report. The person I spoke to said " We can do that '' and I sent in my check the same day. 

The check was deposited and it was reflected on my account on XXXX XXXX. 

When I checked my credit report on XX/XX/XXXX, it showed that I still owed {$1600.00} of a {$2700.00} debt. 

I emailed the company through their website on XX/XX/XXXX, asking why the amount was incorrectly shown on my credit report. No response from the company. 

I called the company on XXXXXX/XX/XXXX I spoke to a supervisor named XXXX who said " We ca n't do that '' and informed me I was still responsible for the debt! He said he was going to listen to the audio recordings. I asked him when the recordings showed I was telling the truth if they would honor the agreement I made with the company, and he refused to answer me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I HAVE SPOKEN WITH SERVERAL REPS FROM EARLY WARNING SERVICES ABOUT SENDING UPDATED INFORMATION TO COMPANIES THAT DENIED ME SERVICE BECAUSE OF THERE REPORT ... XXXX XXXX XXXX HAVE AGREED AND VERIFIED THAT MY ACCOUNT WAS N'T FRAUD AND I WOULD LIKE EARLY WARNING TO NOTIFY XXXX XXXX WITH A REMOVAL RECEIPT LETTER ... XXXX XXXX SAID EARLY WARNING NEEDS TO SEND THEM THE REMOVAL INFORMATION ... EWS IS SAYING I NEED TO MAIL THEM THE UPDATED INFORMATION THEY SENT ME AND XXXX XXXX IS GIVING OUT THE WRONG INFORMATION ... IM GETTING THE RUN AROUND FROM EWS I HAVE SPOKEN WITH THREE REPS THAT GAVE ME DIFFRENT INFORMATION. THEY SAID SINCE XXXX XXXX XXXX REMOVED IT THEY CA N'T SEND ANYTHING TO EWS.SO THIS IS MY DISPUTE WITH THEM NOW TO NOTIFY XXXX XXXX XXXX XXXX ON FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: AL

Complaint narrative:
Repeated phone calls and when those calls are returned, there is no answer and the mailbox is full. This debt had been cleared previously and it is showing on my credit report as in collections which is damaging my credit. Have sent an email and tried to reach out by phone numerous times. Unsatisfactory business practice and is far from how a legitimate attorney or collection agency works. As the debt concerned a XXXX medical spending account issue and has been resolved, my credit report should be cleared. Not the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 3 student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XX/XX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XX/XX/XXXX and taken over by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
IMC Credit Services made a second phone call to my place of employment today XXXX XXXX XXXX, XXXX ) from the phone number XXXX after I already filed a complaint on XXXX XXXX, XXXX. Their response to the original complaint was that they would cease attempting to contact me at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I called Nelnet because I 've been paying on the loan for 3 years it seems like the payment is n't going down at all so I asked how do I fix it. I spoke to someone they told me to pay more on the account and I am but I still do not see much progress. I dispute it ( XXXX XXXX ) because I do not think the information is correct and now I put my account in an deferment status. I 've also asked if they had a program if it was paid in full will there be some discount I was told no settlements are allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX, XXXX sent me a letter re : its obligation to send me a refund check totaling {$94.00}. This refund was owed me since I was a customer enrolled in the XXXX XXXX program offered by Citi between XX/XX/XXXX and XX/XX/XXXX. 
When I called at least two of the telephone numbers given to me by XXXX, after I never received this refund, I got a complete runaround for weeks. This refund is owed to me as a result of an agreement between Citibank N.A. and " certain of its subsidiaries, '' and the Consumer Financial Protection Bureau. 

XXXX staff by telephone have acknowledged several times by telephone : XX/XX/XXXX by XXXX, in Citi call center in FL. that she sees the account was closed ( by me ). 
She acknowledged that of course, a check with the refund of {$94.00} was owed to me, according to the agreement with the CFPB. She said to call XXXX to request that a check for the {$94.00} refund be cut and mailed to my home address on file. 

When I called, XXXX XXXX XXXX. XXXX XXXX, at XXXX 's HQ in XXXX XXXX, requested that I fax this letter to her, with XXXX ID # XXXX. XXXX XXXX and others at XXXX HQ are refusing to send check. Please press mailing of check per CFPB 's agreement with Citi, and Citi 's acknowledgement that this check should come to me asap. Thank you.

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 2017-08-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is charging customers foreign transaction fees when they are not converting currency. 

I purchased items from a company XXXX and used XXXX service to complete the transaction. When I received my Bank of America Statement, there were foreign transaction fees attached to the charges. The first set of transactions took place on XXXX/XXXX/XXXX for {$85.00} ( foreign transaction fee of {$2.00} assessed ) ; XXXX/XXXX/XXXX for {$53.00} ( foreign transaction fee of {$1.00} assessed ) ; and then XXXX/XXXX/XXXX for {$38.00} ( foreign transaction fee assesed {$1.00} ). 

After this first incident, I was told by Bank of America that currency must have been converted ( even though they were unable to see any conversion happen ) and they said that is why I was charged the fees. I reached out to the original vendor ( XXXX  ) and they were confused because they were payed the exact amount in USD.  XXXX assured me this was an error and apologized and gave me a store credit for the amount I was charged by Bank of America. 

I placed another order with XXXX on XXXX/XXXX/XXXX for {$34.00} and was assessed a foreign transaction fee of {$1.00}. This time I contacted XXXX and XXXX again. 

I am told by both XXXX and XXXX that there is no conversion of funds occuring and money is not being sent outside of the US so there should be no foreign transaction fees assessed. I am also told by XXXX that the customer " XXXX '' has a XXXX address and this could be why Bank of America is charging these fees. I have also been told by XXXX that they do have issues with a few American Banks that charge their customers foreign transaction fees even though the money is being transferred in the US because of their XXXX address. I have not discussed this directly with Bank of America since the first incident. 

So, it also seems that XXXX should have this information prominently displayed on their website at checkout that they are NOT located in the US and charges could result in foreign transaction fees ( even though the address on their website is XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX ) or XXXX should be notifying the buyer of this potential fee since they are basically the middle-man/money manager here and know the address information for the vendor. 

But in closing, Bank of America should NOT be charging these fees just because the address of the owner of the XXXX account is in XXXX. I know this is not a lot of money I am out here but it 's the principal of the practise. I am certain there are many people out there that do not read their cc statement and probably do n't even realize this is an 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 monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: IL

Complaint narrative:
No debt is owed. I 've sent a demand letter by certified mail with delivery confirmation to Allied Interstate, LLC who is registered to the harassing number ( XXXX ). The letter contests any debt ( s ) owed and requires the DC cease and desist any further collection activities ( including phone calls ) without written verification of the supposed debt. I have yet to receive any verification of the supposed debt, and I continue to receive collection calls multiple times per day to my personal cell phone ( XXXX ). Allied Interstate, Inc. XXXX business days ( or Thursday, XXXX XXXX, XXXX ) to cease and desist these illegal collection activities or which I will rigorously pursue legal action. Furthermore, the number in question is currently registered on the Do Not Call registry, so any forms of unwanted solicitations are also illegal. 

Calls to date : XXXX XXXX @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX, XXXX, XXXX XXXX XXXX @ XXXX, 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 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GSF MORTGAGE CORP
State: IN

Complaint narrative:
I received a text message from XXXX XXXX on XXXX XXXX, to " discuss mortgage options ''. I wrote back asking how did you get my phone number. I wrote, " I do n't know GSF. Are you a mortgage company? Where are you located? 
XXXX XXXX wrote back, '' Did you go anywhere online requesting mortgage info? I 'm physically located in Michigan. But I 'm licensed on a state and federal level in Indiana. Actually do more business there than any other state. GSF Mortgage is a private direct lender. We have an A+ rating with the BBB and have been in the industry for over 20 years, so we made it through the worst of times in the industry. '' On XXXX XXXX, XXXX, we spoke via telephone, I gave XXXX XXXX my social security number, and I informed him that I did not want my credit score to decrease by him looking at it. He stated that he will do it a way where my credit score will not be affected. My credit score did drop my 10 points, after XXXX XXXX looked at my credit score. 
On XXXX XXXX, XXXX XXXX, sent me a email requesting that I submit, my drivers license, social security card, two years of my W2 and tax returns and a month supply of my most recent pay check stubs. I submitted every item to XXXX XXXX via his email with GSF Mortgage, except a month supply of pay check stubs. I sent him a copy of the most recent pay check stub I had available. 
XXXX XXXX wrote back, noting that he needed my signature and my pay check stubs. 
I wrote to XXXX XXXX, informing him that I do not have any pay check stubs and to set up his computer system for signatures. I also requested no fraudulent activities with my personal information. And why he needed a copy of my social security card. 
XXXX XXXX wrote back, noting that Uncle Sam and the Patriot Act request that GSF Mortgage company request a copy of my social security card. I wrote back to him twice, asking for his manager, CEO phone number and address. I have not received GSF CEO phone number and address, nor his manager 's phone number. 
By the way, XXXX XXXX, wrote that I have been approved for a conventional loan, but he wanted all of my documents for the underwriter. 
I have been sickened and worried about my social security card/number and drivers license in the hands of XXXX XXXX, GSF Mortgage company. No company that I have ever worked for, has asked me for a copy of my social security card and drivers license. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX XXXX, I noticed a mark on my credit reports that I had no knowledge of. Thus, I disputed the debt with all of the credit reporting agencies, and except for XXXX, the results came back as " verified and accurate '' from the credit agencies. As a result, I wrote a letter to Bull City Financial Solutions on XXXX/XXXX/XXXX asking them to provide me with the documents used to verify this debt. BCFS received my letter on XXXX/XXXX/XXXX. Admittedly, I know that they have at least 30 days to respond to my letter, however, I also know that this is not my debt. Thus, BCFS is violating the FDCPA. This company is reporting a debt on my credit profiles that is not mine nor do they have any contractually binding documentation that states otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: UT

Complaint narrative:
Hello US BANK you keep my ending balance XXXX $ for over 2 months, and I tired to ask your customer service, but no one has any idea about my account information. Please inform me when you will release my money.

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 2017-08-31 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: TX

Complaint narrative:
I have XXXX student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XXXX/XXXX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XXXX/XXXX/XXXX and taken over by 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