vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
1. MY COMPLAINT IS ABOUT " DESIGNED RECEIVABLE '' A COLLECTION ACCOUNT FROM THE XXXX XXXX XXXX XXXX, A SUBSIDARY OF XXXX XXXX XXXX. THEY ARE LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, CA XXXX. 
2. THE TYPE OF PROBLEMS THAT I AM HAVING WITH DESIGNED RECEIVABLE IS THAT THEY WERE PAID MORE THAN ONCE. THE XXXX XXXX WAS PAID AND DESIGNED RECEIVABLE WAS ALSO PAID IN FULL. AFTER MY BANK CONFIRMED RECEIPT OS THEIR PAYMENT, DESIGNED RECEIVABLE REFUSED TO SEND A RECEIPT TO CONFIRMED THEIR PAYMENTS. INSTEAD THEY HAVE CHANGE THE AMOUNT SEVERAL TIMES AND HAS BEEN RECORDING ON ALL THREE CREDIT BUREAUS, XXXX, XXXX, XXXX, SEVERAL TIMES A WEEK AS A NEW COLLECTION, LOWERING MY CREDIT SCORES, YOU CAN TAKE A LOOK FOR THIS WEEK ALONE, THAT XXXX ENTRIES WERE REPORTED TO MY CREDIT REPORTS. NOT ONLY IS THE CREDIT REPORTER REPORTING THEIR INFORMATION, DESIGNED RECEIVABLE WAS DISPUTED AND PROOF OF PAYMENT WAS FURNISHED TO ALL CREDIT REPORTS AND WAS IT WAS DELETED AND CORRECTED BY ALL THREE CREDIT BUREAUS WHO HAD A LOCK, FREEZE AND FRAUD ALERT ADDED TO THEM. DESIGNED RECEIVABLE HAS BROKEN ALL THESE FIREWALLS/CYBERSECURITY AND IS REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTACHED THE RECEIPTS FROM MY BANK AND A MORTGAGE COMPANY WHO WANTED A CONFIRMATION OF MY PAYMENTS. 
3. I DONT KNOW WHO THESE PEOPLE ARE, BUT I AM WRITING TO YOU TO INVESTIGATE AND INQUIRED ABOUT THESE ERRONEOUS REPORTING AND THAT YOU WOULD MAKE THEM GIVE ME A RECEIPTS OF THEIR PAYMENT AND PERMANENTLY DELETING ALL NEGATIVE INFORMATION ON MY CREDIT. ALSO WITH SO MUCH ALERT ON MY CREDIT REPORT, INQUIRE AS TO HOW THEY HAVE SUCH AUTHORITY TO OPEN MY FILE WHENEVER THEY WANT TO. 
4. I AM CURRENTLY SEEKING A PLACE TO LIVE, BUT MY CREDIT HAS BEEN UP AND DOWN WITH DESIGNED RECEIVABLE NEGATIVE RECORDING. PLEASE HELP ME AND REMOVE THIS FROM MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My XXXX XXXX account was compromised earlier this year resulting in several transactions that were not mine. I timely disputed the charges online and spoke with Customer Service multiple times. XXXX XXXX told me in writing not to pay the charges until the dispute is resolved. I have since learned that my account was compromised through written notification from XXXX XXXX. Despite the above, XXXX XXXX has placed my account into collections and is making negative reports to the credit reporting agencies. I have on a weekly basis communicated with XXXX XXXX by telephone to explain the situation, to no avail. I am getting dozens of phone calls a day from XXXX XXXX trying to collect this debt that is not valid.

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 2018-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2017 morning, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. I deposited a $ XXXX check to transfer money from my XXXX checking account to my Wells Fargo saving account. It took 10 mins to get done. After that, I went to the XXXX branch next to Wells Fargo branch in the same plaza. I deposited another $ XXXX check to transfer money from the same XXXX   account to my XXXX saving account. 

On XX/XX/2017, $ XXXX was deducted from my XXXX account. XXXX was great and I immediately saw the $ XXXX new money in my XXXX saving account. However, Wells Fargo was keeping holding my $ XXXX money for extra 10 days. Until ten days later, I finally saw the new money in my Wells Fargo saving account. 

During that ten days, I reached out to Wells Fargo local branch and also the corporation representatives. None of them gave me a solution. I clearly felt that they just tried to hold my money as long as possible. 

Conclusion : Wells Fargo cheated and took advantage from consumers. More importantly, I am not the only case, the same activities are still happening on my friends. I want to make this issue public so that other consumers won't be trapped by Wells Fargo.

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 2018-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Car toal loss and Santader will not negotiate with me to repay to remaining balance of loan that was not covered by insurance. Santander has commited predatory lending by : 1. Risk based pricing - The price of the car was increased when Santander became the lender. I was told that the Santander would only finance if the loan was XXXX. 
2. Negative amortization - The car was purchased for a little over 20k but there is still over 17,000 that is left the pay on the loan. Most of the payment has been applied to interest. I also had a fee deferment when I was unemployed. I only requested one month but Sanrander told me that I had to have two which further increase the amount of payment that was applied to intertest. 
3. Loan packing - I was told that I needed to have the extended warranty on the car or they would not finance me. I was also told that gap insurance was included the car protection plan with the warranty, but it was not. 

I was also told that Santander has completed an interest modification, but the interest rate still remains the same and a smaller amount is applied to principal which allows interest to accrue and benefit Santander. 
Santander also has not sent me the contract which I requested two times two months ago. I requested a copy again on XX/XX/2018. 

I was very naive just out of XXXX school when I needed a car. Santander took advantage my ignorance and is holding me to an agreement that was made underpressure and false information. I

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a XXXX XXXX XXXX credit card, back in 2009ish the account was closed and I was contacted by a collection company claiming that I owed XXXX bucks. I was asking for the information behind the balance and because it was such a little amount told me that they were just going to close it because it wasn't worth their time to get me all of the requested information behind the tiny amount owed. The account closed and was removed from my credit report. Then about 2 years ago the account showed back up on my credit report. I contacted XXXX XXXX XXXX to figure out what this was from, I have yet to get any information. I can't get the account removed. I can't get any information about the account. From what I can gather the account is already at the 7-year mark but the dates off delinquency keep changing so it just keeps on staying there.

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 2018-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received a free credit report from all 3 agencies. I disputed this information with all 3 agencies. As a result of my dispute, instead of providing prove that this is my debt the company, PORTFOLIO RECOVERY ASSOC. keeps updating info instead of providing proof. This is not my debt, it was someone else 's debt who put me down as an authorized user. That I was not aware of, their debt went into collections and because they can not locate the debtor, they are placing false information on my report. XXXX, XXXX and XXXX  were notified, yet they keep allowing this collection agency to just update instead of removing. When I requested information as to what proof did they provide they all just tell me to contact Portfolio, who  respond to my calls by telling me that if its not my debt they can not discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Credit Inquiries 1. XXXX XXXX XX/XX/2017 2.XXXX XX/XX/2017 3. XXXX XX/XX/2017 4. XXXX XXXX. XX/XX/2017 5. XXXX XXXX XX/XX/2017 6.  XXXX XXXX XX/XX/2017 7. XXXX  XXXX XX/XX/2017 8. XXXX XX/XX/2017 All were dropped off and some how appeared back on my credit report. drooped my score 28 pts

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 2018-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My mortgage carrier is Carrington Mortgage Services LLC, and they have increased my escrow payment from {$370.00} to {$690.00}. Their reason was because my property tax statements from XXXX XXXX to XX/XX/XXXX were for total due {$3500.00}. Then the following cycle XX/XX/XXXX. XXXX to XX/XX/XXXX double to total due {$7300.00}. The reason for this double amount was because I did some energy efficient improvements on my house through the XXXX XXXX. This program allows you to pay the loan back through my County Tax statement every year. So, the additional or supplemental tax from the XXXX XXXX of {$3700.00} caused my escrow balance to become negative for that amount. They recalculated my escrow projected amount on XXXX to the {$690.00} amount. I explained to them I'm a senior citizen on a fixed income and couldn't avoid a {$300.00} jump in my monthly payment. Upon finding out my escrow balance was negative I paid the {$3700.00} on XXXX XXXX. The only thing I wanted Carrington to do was ignore the XXXX   supplemental tax portion moving forward and I would be responsible for this part of my tax bill which would move my escrow charges back to {$370.00} instead of the {$690.00}. The tax department attempted to have the supplemental tax from the XXXX XXXX taken off my tax statement. So, there have refused to do so. In their projected escrow analysis they are assuming a value. They don't know what my XXXX   supplemental tax will be for XXXX XXXX XXXX XXXX. I may have paid down the XXXX balance due or I may have paid it off. By making this assumption and charging me the additional {$300.00} I could be using that money to pay down the XXXX  balance. Please have them put my escrow payment back to the previous calculation and allow me to be totally responsible for the XXXX  supplemental part of my property tax bill. It that simple of a request. I'm attaching 4 documents to support what I've outlined about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: AES/PHEAA
State: AZ

Complaint narrative:
To Whom It May Concern, This is the same complaint that I had a couple of years ago when I was trying to pay off a particular loan and was making payments. My balance was not going down and I got some XXXX response from this company. 

Again, Im making payments to pay off another loan and my balance is not going down. Where are my payments going? Do these people know what they are doing? I want a breakdown off all my payments made and what loans they are applied to since my balance is not decreasing when I make payments towards them. 

On XX/XX/XXXX made a payment towards a loan that had a balance of XXXX on XX/XX/XXXX the balance is still the same? Where is my payment that should have been applied? On XX/XX/XXXX another payment was made in the amount of XXXX. Now you would think that my balance is XXXX plus one months interest. NOPE ITS STILL {$2900.00}????? 
This company is defrauding me and the company should be investigated by the CFPB. This is an Unfair Deceptive Abusive Acts and Practice and they are pyramiding payments which is against Regulation AA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Michael Harrison, Attorney at Law
State: NY

Complaint narrative:
The collection agency, Michael Harrison , Attorney at law, has violated my consumer rights and financially harmed me by their collection tactics. By law under the Fair Credit Reporting Act, they are required to report the debt as disputed with the credit reporting agencies. I have advised them that I am disputing the debt as the medical provider has charged me for a medical service that they did not provide. My consumer rights under the law have been violated as they did not report the debt as disputed with the credit reporting agency, even though I sent them correspondence indicating so. When I called the collection agency, Michael Harrison, the representative was very rude and threatened me. 
I had stated I wished to resolve the debt issue with them but they ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I initiated a small transfer ( {$3700.00}. ) from an external bank ( XXXX XXXX  ) to my Chase savings account on XX/XX/18. I was told by Chase the funds would be transferred in to my Chase account on XX/XX/18. On that day I logged into my Chase account, and there was a notice that my account had been suspended for suspicious activity, I had received no notice from Chase-no email, no text, none whatsoever, and I was scared that someone had accessed my account. I cancelled my appointment to meet someone, and called them. I literally had to speak to 4 people until I found out why they suspended my account-it was due to the transfer I had requested into my Chase savings account!. I was on the phone for close to an hour about this. They called XXXX to ask if I had the funds to cover this, and XXXX confirmed that I did have the funds. Then the Chase representative asked me, " What is the purpose of these funds you are transferring? '' I told him it was none of his business, and he said he would not transfer my funds if I didn't answer! I finally told him it was to buy something, but I felt violated and harassed by his coercing me to say this. I have filed a complaint with Chase, but I am contacting you because despite multiple calls to them, with multiple promises that the funds would be transferred, it has now been 5 business days, and they still have not transferred my money into my account. The money is listed under transfer activity on my Chase account 's website page ( see attached ), but it is not even listed as pending. I have been a customer of Chase for many, many years, with not one single reason for them to do this. I have transferred funds with no problems in the past, NEVER EVER had any NSFs or any other problems. I have also complained to their Executive offices, and they promised me a return call, but they never called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been in contact with XXXX XXXX to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been in contact with XXXX XXXX to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: SC

Complaint narrative:
I have been in contact with XXXX XXXX to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with 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 non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
my issue is with both XXXX ( manufacture ) and XXXX ( lender ) .. 
XXXX XXXX XXXX | XXXX, GA XXXX | XXXX | XXXX back in XX/XX/18, I purchased a XXXX treadmill for {$1800.00} ( Order Number : XXXX, Order Reference : XXXX ). two issues with that, 1 ) I didn't realize XXXX tackled XXXX for a 24 month ifit subscription and 2 ) I was told I was going to receive a 24 month no interest loan with XXXX  ... after several days of disputing these added changes, I received and e-mial ( I can provide it ) indicating that I would be receiving a credit for the added fees and apologized about the " miscommunication '', but even though I was offered the 24 month interest free no payment loan, I didn't qualify and received a different loan ( next time i'll make sure I understand all terms ). * This is where the problem begins because by the time I realized that I was supposed to be paying this loan, I had already incurred a crazy amount of interest and late fees. my new balance is XXXX .... I called XXXX, had an e-mail conversation with both parties and had no resolution. they just passed the responsibility back and forth. I logged on XXXX website, and they received the credit from XXXX, but no adjustments have been made. and they are ruining my credit/credit score. I have told XXXX that I would be happy to pay the credit line I requested, but I needed the balance adjusted.. I am scared at how much I have to pay now because of an error I did not make..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation