vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bureau of Accounts Control
State: FL

Complaint narrative:
I had XXXX in XX/XX/2013 from XXXX NY XXXX I paid a flat fee for the XXXX and was later billed an additional {$360.00}. At that time I complained about about the additional charges and the doctor 's office could not provide any explanation or information ... The doctor has poor ratings and I want to register a complaint against

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
zwicker and associates has been calling my employer leaving messages about me in voicemails. I have not received any collection letters from them. We are not allowed to receive personal phone calls here and they will not stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: LA

Complaint narrative:
I was n't able to keep up with payments on the loan ( paying full amount of money loaned to me plus {$55.00} interest bi-weekly ) and was in the process of filing bankruptcy. The loan company ran my check through which was returned non payment to them so they turned it in to the District Attorney 's office for worthless check. this check was for payment of a payday loan which should not be considered a criminal charge. I received a 10 day demand letter to pay the loan in Full {$350.00} plus {$25.00} NSF Charge plus {$120.00} statutory fee ( DA fee ) plus certification fee {$6.00} for a total of {$510.00} by DEMAND LETTER to be paid within 10 days of receipt of the letter. When the creditor submitted the application for the worthless check claim to the DA 's office they stated that they sent me a 10 day notice of payment demand via certified letter but I never received a notice from the creditor ( Island Financial ). The check should not be considered a criminal charge since it was a pay day loan and instead should be a civil charge. I have n't been given proper notice to pay the said debt with additional fees in a short period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Linda Strumpf
State: FL

Complaint narrative:
I was contacted in or around XX/XX/XXXX by a collection agency claiming to have a judgment against me and demanding payment. The judgment was supposed to have been imposed in XX/XX/XXXX for a debt that I knew nothing about. I never knew about the judgment until XX/XX/XXXX when I received the first communication. I have written to the collection agency and both of it 's " attorney 's '' stating the debt is not mine and they must have the wrong person. I have asked for validation of the debt and all I received was the judgment order from XX/XX/XXXX. I was threatened with wage garnishment and now a subpoena to show all of my financial assets for the last 3 years. I have contacted the original creditor they claim I owed and they have no record of me owing this debt. I have relayed that to all parties involved and I am still getting threatened with legal action. I have overwhelming proof that this debt is not mine and since I never knew that this judgment was filed against me. It has cost me a lot more than what I have spent trying to get this cleared up in the recent months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: DOAN SOLUTIONS
State: FL

Complaint narrative:
I was contacted by  XXXX  via my school district protected email regarding a service to assist with public service loan forgiveness. When I called  XXXX  I was transferred to Doan Solutions LLC who I was told was contracted with them. I signed a contract and was charged a {$390.00} for their assistance with this program. After speaking with Fe d Loan Servicing, I believe this is a scam because they stated I should not have been charged a fee for those servic es.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had this credit card that was closed and paid as agreed in XX/XX/XXXX. Citibank. In XX/XX/XXXX, they sued me after reopening without my knowledge and doubles the amount owed with fees. When I called them they say they are not the one suing me, the card was sold to / Assignments rights given to Citi XXXX in XXXX and no longer owned by them. They could not even find it in their system. I ended up speaking to a XXXX in their recorders section in NY, that told me all lawsuit records are processed through her, and they Citibank is not the Plaintiff where my cases is concerned. When they, and also I did call Citi XXXX, we got the same recording that the account is handled by a outside vendor, etc .... the 3rd party vendor is the attorney firm that bought it. They have been suing me since XXXX, and this is causing XXXX and financial hardship on me an my family. My XXXX is extremely high, my doctor can even XXXX it, because I 'm constantly under this XXXX.I have paid over {$4000.00} so far, and still owe the attorney over {$4000.00}. XXXX have paid them too, just about the same amount of money and I really do n't know what my attorney office is doing. They keep passing the case around the office to their different attorneys and redoing all request afresh as a new case. 
They have all the evidence they the attorney firm suing is fraudlently using citibank from day one, and will do nothing about it. Now after 8 years of suing, and about 10 years since the card is closed, I was just told by my firm we are going to court for a trial and they, my attorney firm are withdrawing. After over {$10000.00} in fees and proof they are fraudulent, they want to withdraw? HELP, HELP.

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Berlin-Wheeler, Inc. (Kansas)
State: AL

Complaint narrative:
I have contacted the agency,  Berlin-Wheeler several times about removing the incorrect information from my credit report and  they refuse to. I have contacted the company,  XXXX   XXXX , about my account with them. They say my account is paid in full but refuse to give me anything that shows it 's paid in full or r eport it to Berlin-Wheeler a s being paid in full. I have paid this collection several years ago and they still reporting it as not being paid. I have contact the credit report agencies   XXXX   XXXX    XXXX   XXXX  and they still have n't done anything about other than it takes 30 days and it 's still working.

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 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have Account  with PNC bank For Long Time With Good standing Balance, Suddenly They Close my A/C, No given Reason Say we can close any A/C If we want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
This account was opened i n 2012 a nd I believe the information on this account is wrong. This account should have been removed a while ago. I am not sure if this account even belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Patrick K Willis Company Inc
State: TX

Complaint narrative:
XXXX from XXXX has called my kids and my ex husband telling them about the auto loan they claim I owe. is n't it illegal for them to tell other people about the debt? XXXX is extremely rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have been experiencing problems with my credit and noticed on reviewing my reports that there is an account entry that I did not authorize to be opened in 2013 with a financial institution that I no nothing about. Please assist me in obtaining complete validation of this account to include information and documentation that was used to validate the identity of the person who opened this account and the information and detail used to confirm that it was indeed 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 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: AL

Complaint narrative:
The amount owed to the account was {$65.00}. This account was paid in full via online payment processing on  XXXX / XXXX /  XXXX  . I check my credit through a monitoring service and I see that this company has decided to split my payment and apply a portion of it to another account which leaves the account I was paying in full open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
To Whom It May Concern, On XX/XX/2017 I learned of unauthorized charges to my PNC Bank Checking account. I immediately went into a local PNC Bank branch to report them. 
I was given a new debit card with new numbers. 
On XX/XX/2017, I emailed AND mailed a physical copy of my official request ( in letter form ) to investigate these unauthorized charges. 

The following week, temporary credit was offered by the bank. 
Also during the following week, I had to make another phone call to dispute XXXX additional unauthorized transactions in my account. The transactions involved the SAME company as those attached to the earlier unauthorized transactions. Temporary credit was offered by the bank for these as well. 

It has been 45 days since my visit to the bank and letter was mailed out. 
I want to know if the bank has broken federal law by not resolving this issue ithin 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
I filed a dispute with XXXX weeks ago against Midwest recovery never had a pay day loan and I believe someone stole my identity. I 'm in the middle of a getting approved for a house and than this happens please help. It lowered my credit score by XXXX points and it 's not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: FL

Complaint narrative:
This lender continues to call my work phone number after numerous requests to remove said number. I have explained that I am unable to receive personal calls while at work, yet they continue. The last person I spoke to assured me that the number had been removed from their system. I have had difficulty paying this bill and if I lose my job because they continue to call, I will never be able to pay them. They have also been rude and intrusive when asking about the past due payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
Vello Law O ffices are suing me for a   XXXX   Bill fro m 2011. I  do not have my receipts from that far back. So I disputed this debt, unti l Vello Law  could send me proper billings from this  XXXX   XXXX . They did not do this but instead filed a document with court to force payment from me. I c alled Vello Law t o state I had disputed this debt TWICE until I received supporting info.  Vello Law  stated they reviewed my DISPUTE and filed with the court. In other words, they " DISSED '' my Dispute which is WRONG! I deserved proof that I owed . Vello Law WOULD no t supply this to me. They are also adding an addition 3 % or more interest on top of the debt! I am single, only live on a small amount of SS  XXXX . I hav e 0 s avings and I feel like I am being taken advantage of. I am fighting ba ck. Vello Law  will not listen to a debtor 's questions or concerns why they owe as well. I dealt with a girl named  XXXX  who was rude, talked over me so I could n't receive the info I needed. She was trying to intimidate me. I ended the call because I could not get the information necessary to receive info that I had a right to!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Real Time Group, Inc.
State: NM

Complaint narrative:
I received this lette from real time acquisitions LLC, real time resolutions stating I owe {$530.00} and I 'm not certain of where this loan comes from I tried contacting them and no results their number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
CBNA inquiries that are not mine.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2017 I received an alert that my Credit report had changed. Hard inquiries were removed from Transunion and XXXX accounts were deleted. I then noticed they were put back on without any notification by letter or email. I have made several calls to the Credit Bureau and still no assistance. I did take screen shots showing them took off and put back on. This caused my score to drop and a denial for a new car purchase. I just want them removed off.

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 2017-03-29 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
Time Finance company is calling me repeatedly today XX/XX/2017 The called 6 times in a row around XXXX I was at the doctors and left a voicemail they have called 4 times after through the day ... .a voicemail is considered contact as well

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I sent a certified letter on  XXXX   XXXX  asking  " WF PLL '' to provide ve rification about an inquiry showing up on my  XXXX  Credit report dated as  XXXX / XXXX / XXXX . The company does n't list a phone number on the report, but instead lists " By Mail Only '' so I assumed the address they are using is up to date and accurate as it is being reported on my credit report. Instead, I got an " Alert '' message from the    XXXX   tracking system sta ting " Your time was returned to the sender on    XXXX   XXXX   XXXX   at    XXXX   XXXX   in  XXXX , NM  XXXX  because the addressee was not known at the delivery address noted on the package. '' If the information being reported is inaccurate it is illegal for it to be reported. Please see that this company complies with the FCRA and either updates it 's information that is being reported to the credit agencies or remove the information all together if they ca n't provide accurate information.

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 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Bierer Law Group, P.A.
State: MD

Complaint narrative:
garnishment and false judgement no notification prior to garnishment filed a fradulent judgement with no notification or contact

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASH, INC.
State: MI

Complaint narrative:
I am receiving emails stating that I owe a payday loan from   XXXX  , which i have requested documentation of, and they have refused to provide. I am not receiving emails stating that there is a " pending arrest warrant for check fraud ''.   The company appears to be " CASH INC '' with an email address of  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: American Mortgage Investment Partners Fund I Trust
State: WI

Complaint narrative:
OMB #  XXXX  had been addressed with  XXXX   XXXX   XXXX .  Loan Number   XXXX .     Since then we have worked diligently to have their internal record s ( incl uding our statements ) reflect the correct information, to no avail. We also inquired about paying off the loan.     With no prior correspondence or discussion we received foreclosure notification in the amount of {$390000.00}. Please note the previous case with the  XXXX   XXXX   XXXX  proved  XXXX  had previous knowledge of the information and proposed to internally resolve the discrepancies.     Although the connection between  XXXX  and AIMP Management is not clear, it appears AIMP has been engaged and is responding to inquiries. I also checked the internet site and found the same P.O. Box address.      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX , CA  XXXX  PH :  XXXX  ( direct ) FX :  XXXX   XXXX  In addition to the prior discrepancy there are now issues regarding the correct amount paid for property taxes. Although we 've provided the official  XXXX   City and County re cords which clearly represent payment from us, AIMP is claiming  XXXX  pai d them.Their  evidence are  XXXX  checks  1 )  Check number  XXXX  {$20000.00} made payable to  XXXX  County but cashed by the  XXXX   XXXX   XXXX   (  the City  and County  bank with  XXXX   XXXX    XXXX    ). 2 ) C heck number  XXXX  {$6200.00} made payable to  the City Treasurer. T his was also cashed at the  XXXX   XXXX   XXXX .     In both instances the unique stamp employed by  the City and County were n ot present nor do their records indicate receiving them.     That was the outline of events. What I would like to convey is we have no idea what role AMIP Management has in this proceeding. We also dispute the checks were used as they are claimed to be. As previously demonstrated in our past dealings through the  Consumer Protection Agency  there seems to be ongoing administration to our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i purchased a XXXX vin XXXX from XXXX XXXX contact number XXXX they repossessed my car for none reason i have a contract the are wrong i have a contract i never miss any payment the are telling me because i do n't have any driver license or i 'm not legal and this country they take my car i 'm resident of this country but i do n't have any driver license only id i feel this is discrimination again my person my account number with them is # XXXX my name is XXXX please help me my contact number is XXXX the telling me i do n't have insurance i do have only excuses to taking advantage of me please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I bought several XXXX value visa cards in XXXX on XX/XX/XXXX. I found that XXXX cards were not able to use on XX/XX/XXXX and contacted the customer service ( XXXX ) XXXX on back of my prepaid cards immediately. They said something went wrong on their side so they would refund me via a check. I sent in all information they need : back and front of the cards, my driver license etc. However, the refund case XXXX has been investigated until now and no resolution has been made. And they could not even provide a time-frame of the refund since customer service said other second level department is investigating and has no response. I feel very dissatisfied that my XXXX refund needs such a long time to be delivered, and even do not know when I can get the check.

Company response to consumer: Closed with monetary relief