vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Professional Debt Mediation continues to report this collection account to be opened but it was discharged in XXX 2016 with a  chapter XXXX BK. I have disputed this account status as " opened '' a couple of times with XXXX  but the collection agency refuses to remove still. I get numerous calls, just about daily, from the number in XXXX, which is where their offices are located. I have been referred to by my BK lawyer to a consumer affair attorney, XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX ) and plan to proceed with a lawsuit if this is not handled ASAP!

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 2018-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My son lost his job and got behind in a payment.  He paid partial payments and attempted to get caught up.  He also called the company and requested a couple month deferment until he got back on his feet.  They told him not our problem "get it from your co-signer".I don't believe there was ever a time that it became over 1 month behind (it may have gone to 2 months but not more)  A monthly payment is $XXXX so there was never a balance higher than $XXXX  plus late fees.They called me a couple of times at work and while I was driving.  I was annoyed that they would harass me over $XXXX dollars and told them so also told them that my son requested a short deferment.  The person that I spoke with in XX/XX/XXXX advised he should have been given that option and was very understanding and apologetic.  The only person I ever dealt with that was.The loan did get 2 months behind in XX/XX/XXXX.  Everytime he would try to get caught up it would never be the total amount so it kept adding up.I was in shock that they would be harassing us so relentlessly for a little over $100 and told them so.  Before getting caught up they reported it to the credit bureau against my name and have damaged my credit score.  I was never advised that they were going to to do that.  I have worked hard for over 30+ years to obtain and keep an outstanding credit score and without the lease bit of notice/threat that they were going to do it, they have caused me irreparable harm.I am extremely dismayed to find out that they can so callously do this kind of damage for such a small amount of money and see that they have been fined for this exact kind of issue in the past.

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 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had complication with a bank transfer from XXXX XXXX to my Region stream line of credit. On XXXX XXXX XXXX a payment cleared and was processed. A review and or investigation was completed and payment was verified and was authorize. A pending payment did reach regions in the amount of {$34.00}. and the transfer amount was an even {$35.00}. regions has simply stated this is XXXX XXXX responsibility and to take it up with them. I did and no recovery has been made. Regions did no make my deposit of {$35.00} charging me {$35.00} for a returned check fee and {$35.00} for non payment and or late payment fee. leaving me in the negative of {$100.00} plus transfer fees and interest for tranfering other funds to make this account and to keep in good standing on my own. attached our screen shoot of each account thank you. 
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 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Assured Financial Partners
State: MO

Complaint narrative:
they continue to contact family members and leave voicemails stating they are contacting me regarding a civil case filed against me regarding an apartment on XXXX. I do not owe any outstanding debt. I looked up the name of the company online and the number they are calling from and found that it shows they call family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I have tried linking my TD bank account with my XXXX account so that I can buy digital currency. However, TD will not let me link my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company
State: TN

Complaint narrative:
Frost- Arnett company Account number is XXXX master number is XXXX my balance is XXXX. 

I made arrangments with them to pay XXXX a month and i have been online for a while now on their website, however they made a change when i tried to pay them the XXXX i was paying, the website would only accept a higher amt like XXXX and i could n't pay that at the time, also i did send in my payment by mail for XXXX dollars. I think the broke FDCPA law because they asked for a higher amt to pay online and when i tried to pay the XXXX the website wouldn '' t accept it. ALso because ofthis it was placed on my credit report when i was making payments i dont't think that is right. I have made a agreement and it wasnt honored. that upset me as a consumer. I would like for this matter to be handled. I dont have a issue paying my debt just dont like the way the website forced another amt on me. and had to get a stamp and send a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Company refuses to thoroughly investigate Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX does not have proper communication skills with their entire company. 
I was recently involved with a payment arrangement with them. After having the arrangement set up and making payments on the account I received court documents to comply with the company. I called and talked with someone about this and was told that it wouldnt be happening again. 
Not even two weeks later there are court papers that were tapped to my front door. These were not even served to me or anyone. These were placed on my home door. Along with that was my credit card statement and other personal information attached. This is extremely unprofessional and not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: West Coast Servicing, Inc.
State: NY

Complaint narrative:
Our home equity loan was sold three times. The current owner of the loan West Coast servicing has not sent a detailed statement of the account since XXXX. The only correspondence we receive are delinquent notices with a lump sum that is due ; there are no details of the charges or recent payments to the account. I recently sent a request for this detailed information because I do not believe this amount they are requesting is correct. I wil attach the last full statement that we received from them dated X/XX/2016, and the subsequent delinquent notices that they send.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is still reporting a collection account to my credit report. We had an oral agreement this account would be removed when the account was paid ( they called it a pay for delete ) but I just checked my credit yesterday & see it 's still being reported. This account is damaging my credit & impacting my ability to get a loan. I 'd like them to remove the account per our agreement. Please help me get this rectified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX, Navient sent the first reminder for me to send in my application to renew my Income-Based Repayment plan for XXXX. On XX/XX/XXXX, I submitted my application for renewal and it was complete and sent and received by Navient on XX/XX/XXXX. I did not receive confirmation from Navient that it was approved and on XX/XX/XXXX, I received an email stating that my payment would be going up in XXXX to {$760.00}. However, I received a monthly statement on XX/XX/XXXX showing that I would be charged {$540.00}. Due to the difference in the amount shown on XX/XX/XXXX and XX/XX/XXXX emails, I thought that my Income-Based Repayment plan had finally gone through and my monthly amount for XX/XX/XXXXwould be {$540.00}. However, on XX/XX/XXXX, I was charged {$760.00}, despite the last communication sent to me showing {$540.00} on my XXXX statement. I called Navient and the woman that I spoke to admitted that they had made a mistake and despite having my information, they never put in my account what my new IBR amount should be. She told me she would put my request through and that my new monthly payment should actually be {$110.00} per month. She also told me that it would take about 48 hours to refund my money, if I was willing to send my bank statement showing that the {$760.00} payment was on there. If I was not willing to send my bank statement, it would be up to 10 business days after the payment cleared with them in order to get my refund. 
I received an email on XX/XX/XXXX that my IBR had been approved and that my monthly payment would be {$88.00}. Therefore, I was charged {$220.00} more than expected and {$670.00} more than I should have been on XX/XX/XXXX. On XX/XX/XXXX, I was charged with an overdraft fee due to a check that had been written prior to the XXXX charge from Navient that we would have been able to cover had we not be charged the incorrect amount. We now have a {$12.00} overdraft fee and likely at least one more coming due to autopayments that were previously scheduled an unable to cancel at the last minute after Navient charged this. Luckily, my spouse and I have other ways to cover any expenses that we need this week as we wait for the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A complaint was previously filed against Transunion and the complaint number asigned was XXXX on XX/XX/XXXX Transunion responded to the complaint. Attached is the copy of the response under loaded documents. 

More than 30 days have passed and they did not respond to me as they mentioned. I checked my transunion report online and I still see the two accounts in question still reported. Transunion. 

My question is, if Transunion is reporting two accounts, under those accounts, they provide and address so That I as a consumer can write directly to the companies reporting incorrect information. And the Unites States Postal Service keeps returning to me the letters sent to the companies with a label affixed to the envelope that says " Undeliverable as addressed or Unable to forward. And I send a copy of that envelope to Transunion, and they keep giving me the same response, that they will investigate, yet when they investigate, they reply, " Account verified ''. Is it not Transunion 's obligation to either provide me with a correct address for the company they keep verifying or with all the proof I keep sending them that the letters are being returned, the right way to fix this is to delete those two accounts that obviously I am not able to get a hold of by mail.

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 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
About XXXX or XXXX months ago I hired XXXX XXXX XXXX to help me with my credit and they made it worse I pay them a XXXX dollars for 5 months and they made my credit lower I believe it is at XXXX oh have about XXXX to XXXX dollars in credit card debt

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I paid this account off and I have called numerous time for proof of paid in full and proof that on another account we set up payment plan. Last time I call the collector would not connect me with manager because he was trying collect on another account from XXXX. I paid the account in 2 payments they uses my debit bank card on XXXX and XXXX, and pull payment for other account on XXXX, The credit report agency reach out to them and they stated account was not paid as of this week. I had send prove to credit bureaus showing payment. I was told that the paid in full and payment plan was sent out numerous times still nothing. I been told they had wrong address 3 times when they sent other mail with the correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX does not allow 3rd parties to collaborate with them. I have been unable to connect various budgeting and financial management programs with my card, yet have no trouble with my other financial accounts. Inability to use XXXX or other services is an archaic and poor oversight. A strong reason not to use this card or get it until this problem is fixed.

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 2018-01-24 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I had {$76.00} past due with a Wells Fargo Visa card. The reason I was past due was because I did not receive any communication from Wells Fargo that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, Wells Fargo denied my request to have the late payment removed from my credit reports. I believe I was denied by Wells Fargo without consideration that I did n't have knowledge of a late payment.

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 2018-01-24 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: SC

Complaint narrative:
My wife requested my loan to be paid off on Thursday, XX/XX/XXXX at XXXX. She spoke with XXXX at Navient and requested that the payment be made from our SAVINGS. The total amount for loan XXXX was {$1700.00}. Nothing was showing as pending on Monday so I called and they informed us it could take up to 4 business days and that it was coming from our CHECKING. I moved money from our savings to our checking so that it would be covered. On the morning of the 5th business day the loan showed PAID IN FULL on navient.com, however I was n't seeing anything in either SAVINGS or CHECKING in my bank. Nothing was posted or pending. I spoke with XXXX at Navient on XX/XX/XXXX who informed me that it was pulled from my CHECKING ( just like the previous representative had ). I escalated the call to a supervisor XXXX - and filed a BBB complaint against Navient for being unable to explain why it took so long or why I was getting mixed information where the money was being pulled from. We conference called my bank XXXX who told me that no money had been pulled, but that they had miscoded the request and it was denied on XX/XX/XXXX. Nobody had contacted me. I escalated this to XXXX who told me that since there was n't currently a balance I would have to wait to repay. This would lead to accrued daily interest and a greater payoff. I 've had problems with Navient misallocating payments in the past and recorded BBB complaints each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Services
State: TX

Complaint narrative:
This is now the second time submitting a complaint against this company ARS Prior complaint XXXX STATUS Submitted to the CFPB on XX/XX/2017 PRODUCT Debt collection ISSUE Written notification about debt We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-01-24 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: IN

Complaint narrative:
I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On XXXX Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on Transunion it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on XXXX it is notreporting a closed date or a last activity date. On XXXX and XXXX there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on Transunion, XXXX, and XXXX. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true 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 explanation
Consumer complaint received 2018-01-24 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: IN

Complaint narrative:
I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On Equifax Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on XXXX it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on XXXX it is notreporting a closed date or a last activity date. On Equifax and XXXX there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on XXXX, Equfiax, and XXXX. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On XXXX Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on XXXX it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on Experian it is notreporting a closed date or a last activity date. On XXXX and Experian there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on XXXX, XXXX, and Experian. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true 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 explanation