vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Credit Plus Inc
State: GA

Complaint narrative:
CREDIT PLUS XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC
State: KS

Complaint narrative:
I received calls from Allied Interstate ( 3rd Party Agency out of the country ) XXXX times per day regarding an outstanding debt I do owe for XXXX. On XX/XX/2016 I received a call from this company so I returned there call the next day on XX/XX/2016 at XXXX AM discussed my account with the representative advised I could not pay anything today we ended the call. At XXXX XX/XX/2016 received a call from the same company wanting to discuss my account. I advised the rep I had already talked to someone this morning on this cell phone about my account. I advised to not call my cell number XXXX more time today. As it is against the law to make contact with me 2 times in XXXX day on the same account. As of today they have not called back.

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 2015-05-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I opened a credit card with state farm, i should say my mother did but it was in my name and meant to start building my credit. Unfortunately, life got to my parents and i guess they used my credit card to pay for some things. Also, this was when I was XXXX and had n't dealt with bills or any kind of payments, they used my card I did n't. So, with that being said I did n't find out until later, about a year later I would say, that it was written off because they could n't pay for the fees and the total itself. Now I am struggling to get anything whether it is a credit card or a car loan or even a cheaper down payment on my apartment. If it is at all possible It would help me immensely for my credit. I am an honest hard working adult now, pay my bills on time, and am very responsible. It pains me that something so small is affecting my growing credit and halting my progress. I do not have the money to pay the entire amount, if need be I can pay a minimal amount but it would be a world saver for me if this could be taken off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
sharing my information illegally ( 3rd party )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Moneytree Inc
State: CO

Complaint narrative:
This where I draw the line these folks knew I was a veteran, and dislocated worker and when they jacked up the fees. I did pull back because there is no way in XXXX I am paying that. Now too many months went by.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Michael Haynes & Associates, LLC
State: CA

Complaint narrative:
The company continues to call my spouse at work after being told repeatedly that this jeopardizes his job.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems is a third paty collection agency that provide collection services for XXXX. My family was provided XXXX services at XXXX for my XXXX in XX/XX/XXXX. There was change in my insurance which caused some billing issues with XXXX and instead of providing me notificaiton they sent my account to collections in XX/XX/XXXX. I contacted Medical Data Systems after receiving a phone call and a notice in the mail regarding this account. When I contacted them they stated to me that they purchased the account from XXXX and were trying to collect a debt. My husband contacted XXXX on my behalf and XXXX informed us that they do not sell past due accounts to any company nor do they authiroze any collection agency to post negative remarks on creidt reports. XXXX reviewed the account with my husband and observed that billing errors did exist and they would have to resubmit the blalances to the correect insurance compnay. A dispute was filed with the three credit bureaus to remove Medical Data Systems from my creidt report. Due to new legisaltion purposed by the goverment pertaining to medical bills the collections accounts were removed from my creidt report on the basis that XXXX is still the legal owner of the accounts and that XXXX did not authorize Medical Data Systems to post negative remarks on there behalf. XXXX is still continuing to work on these accounts and the last contact with XXXX took place in XX/XX/XXXX in which the account rep still observed some issues with the billing and submitted all statements to my home address so that the proper appeal could be drafted to complete the billing process. Also XXXX has sent me an application for the XXXX which will take care of any remaining balances that may result from the billing issues which occured almost three years ago. 
After a recent check of my credit report XXXX has illegally resubmitted previously removed credit information back on my credit report. They are fully aware that XXXX still is the legal owner of the account and also XXXX has informed me that any account over two years old has been written off for that corresponding tax year. Medical Data Systems is still claiming that the account was sold to them by XXXX but XXXX has stated that teh account no longer exist and has been written off. XXXX has also stated again that Medical Data Systems has not been authorized to post negative remarks on creidt reports on behalf of XXXX. XXXX stated that the acocunts from XX/XX/XXXX have been charged off and the other remaining balances with them once the billing has been completed will be considered under the financial assistance program.

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 2015-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: UT

Complaint narrative:
I continue to get calls from an number and nobody would answer when i called back. XXXX. Turns out it belongs to Allied Interstate, a debt collection company. Their phone number does not identify them as a debt collector or a company at all when you call them. Additionally, when the gentleman answered the phone he refused to tell me 1 ) the phone call was being recorded ( I found that out on their website ) and 2 ) that he was in fact a debt collector. He simply demanded to talk to someone by name at my phone number. I asked him if he was a debt collector and he refused to acknowledge it. I told him I could neither confirm or deny knowing the person he was trying to reach until he identified himself completely. Which he did not. I then terminated the call and told him he may not contact my telephone again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Dear XXXX of the Consumer Finance Protection Bureau, AWA collections, as of XXXX XXXX, 2016, continues to violate both State and local laws of the XXXX Arizona 's XXXX debt collection statutes which prohibit the collection of medical debt from consumers participating in State Medicaid / Medi-cal. The original creditor and AWA collections were notified by the Arizona Department XXXX XXXX that " balance billing '' and pursuing a bill against an XXXX enrollee can trigger civil penalties of " three times the amount of the billing '' and is expressly prohibited by Arizona XXXX XXXX XXXX. 
When this occurs, it is appropriate to report the unlawful billing practices to the XXXX XXXX of XXXX XXXX for further action, since the XXXX considers such billing practices by providers to be " fraudulent ''. 

In XXXX of 2016, The State of Arizona notified AWA collections and XXXX XXXX XXXX that pursing this bill is in violation of state statute. AWA collections continues to disregard such notice and continues to illegally collect and report to the major credit bureaus. 

AWA collections has also illegally reinserted this collection with the major credit bureaus and failed to notify me in writing prior to its reinsertion. 

This is my final attempt to resolve AWA 's illegal and fraudulent collection of this bill. I understand mistakes happen, and expect AWA to resolve and discontinue the collection, reporting, and dissemination of this alleged debt. I have filed a complaint against AWA collections with the State of Arizona 's XXXX. 

AWA Collections has violated both the FCRA and State of Arizona 's state statutes regarding debt collection of covered state Medicaid recipients. AWA Collections is liable to me should I reserve my right to seek resolution through the legal system of the State of Arizona.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Roycroft Management
State: TX

Complaint narrative:
I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of 3 minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
We had a house fire in XXXX 2015 and have been making repairs to the home in order to move back in. Over the course of the repairs all money from the insurance company was required to be submitted to Midland Mortgage then dispersed to us as repairs were made. Along the process they required arbitrary inspections to determine the amount of our insurance money we were entitled to. At one point they declared us at XXXX % complete, then shortly after decided we were actually at XXXX %. Now we are towards the end and need the final funds to complete our repairs and get back into our home. The most recent inspection stated the house was XXXX % complete. At this point, we have used all of our available cash and maxed out XXXX credit cards to purchase building materials because of delays caused by Midland. In addition, we are paying {$1000.00} per month rent as well as utilities on XXXX houses. Midland refuses to release us from the requirement of the insurance money going to them first even though XXXX XXXX of Midland stated once it got to XXXX % complete they would release us. They are now stating the house needs interior doors, landscaping and carpet in XXXX bedrooms. They claim this is XXXX % of a $ XXXX claim. We have approximately XXXX due to us from the insurance company that would allow us to complete the house and move in this month yet they refuse to release us. It is my belief they are attempting to force my mortgage into default and seize my home. As of now we owe approximately XXXX on the home and once complete it should appraise for approximately XXXX, incomplete it should be worth considerably more than my mortgage balance, meaning their collateral is secure and they should be working with me to get me back into my home and my home completed.

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 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
Income driven repayment I was approved for because I 've worked for XXXX over XXXX years. My payment history and or loan amount needs to be updated because the amount reported is hindering my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I have a VA loan with Suntrust and have made continual efforts to set up automatic payments. Every time I do it does n't work and I am late on a payment. They report that to my credit report immediately then start calling at all hours of the day even on Sundays. This month it happened again and though I was only a month behind they sent me a letter stating that they were going to foreclose on me in a month if I did n't have it paid by then. I of course immediately paid it, but I do n't feel as if these tactics are ethical or lawful. I am trying to refinance with a company who does n't pull such shady tactics but my credit has been affected by the " missed payments ''. I also feel like they purposefully and continually have " problems '' setting up autopay just to encourage a default on my property, especially as it is now worth double what I owe on it.

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 2016-03-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Travelex NY, Inc.
State: CO

Complaint narrative:
When going into a XXXXbank branch to get XXXX for my minor daughter to take to XXXX last summer, the Bank teller aggressively sold me ( successfully ) a reloadable Travelex cash card ... Stating that I could get the card in my name and give it to my daughter for her solo travels in XXXX. Teller stated that if my daughter lost card.. Another would be sent to her.. Also that card could be reloaded and used at many locations legally and it was the safest way to go. After buying and loading the card, I called " multi currency cash passport '' company to get details on usage. Cash Passport told me I would be " in breach of contract '' if I let my daughter use my card without me ( she is a minor, traveling solo ), and they would not replace it if stolen, lost or confiscated. Cash Passport mentioned that some merchants may confiscate her card. I returned to Travelex counter inside usbank and they were still aggressively selling Travelex card to parents of minors for the minor to use overseas ( I had to wait in long line and overheard same selling points that sold me on the " safe card for your child to use XXXX alone ) .. I did speak to the teller and then the tellers manager about this dangerous marketing strategy.. ( They did unload my cash card.. For a fee of course.. But that is not my complaint today ). My concern is for these children traveling XXXX with a cash card that is not replaceable if lost or stolen. This practice that Travelex is aggressively selling the cash passport card to parents that come to bank counter to get foreign currency.. And children are traveling solo overseas with a false sense of safety. I mentioned these concerns to Travelex manager XXXX XXXX XXXX XXXX XXXX XXXX, and she did not seem to understand my concerns..I would like Travelex to train there employees to not push this card on parents of minor children that come to the bank to change dollars to foreign currency. That is wrong. This is putting children in danger. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: MA

Complaint narrative:
The interest rate is 7.5 percent, which is so high I 'll never pay this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA
State: CA

Complaint narrative:
I had XXXX loans with AES that were paid off by XXXX XXXX XXXX XXXX XXXX. I paid out the amount that was told to me by AES was to total due to pay XXXX loans in full, I then submitted that amount to XXXX XXXX who issues a payout to AES and became the note holders on my loans. Around XXXX of 2015 ( XXXX yrs ) I begain receiving notice from AES that I had a balance due in full to them which included XXXX yrs of interest. I had not received any notice before then that I had a balance or there was any balance outstanding. Both XXXX and I have attempted to contact them and sent them multiple documents indicating the transfer of the loan. They have now sent my account to PHEAA Default Collections and the debt is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My car note is due to SunTrust on the XXXX of each month. As a condition of getting a preferred interest rate, SunTrust required the payment for the auto loan be made from a SunTrust checking account. Each month, several days before the XXXX, I submit a request to XXXX XXXX XXXX to send a deposit to the SunTrust Account. I do n't use the Suntrust account for any other purpose. On XXXX XXXX, I entered a " billpay '' for {$850.00} into the XXXX XXXX XXXX system, to be sent to Suntrust. According to XXXX XXXX XXXX records, the payment was delivered to SunTrust on XXXX XXXX. Despite that, SunTrust did not credit the checking account with the funds transferred from XXXX XXXX XXXX until the XXXX of XXXX, XXXX day after the payment was due. The automatic debit from the SunTrust account was declined as insufficient ; SunTrust also charged me late fees on the loan. There is also a {$10.00} service charge on the checking account every month. The fees totaled {$100.00}. I paid well in advance of the due date. I have proof that SunTrust received the funds. I would like a refund of the {$100.00} and a different payment method from SunTrust. Similar transactions have occurred three times during the life of this loan, which is not quite three years ago. I have also complained to XXXX XXXX XXXX, because I do n't know whether the transfer from XXXX XXXX XXXX actually reached SunTrust by the XXXX as the XXXX XXXX XXXX records indicate. 
Thanks for anything you can do to prevent this from recurring.

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 2015-11-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: IL

Complaint narrative:
I obtained loans through XXXX being service through American Education Services, which I entered repayment in 2008. My original repayment agreement stated a repayment term of 10 years. Recently, I requested a foreberance for 1 month where I noticed that the term had been expanded to 155 months. Further, they have used the forbearance as an opportunity to reset my repayment term. I did not request this and it provides them with an extroordinary interest payment windfall. This needs to be looked into as none of it has been authorized nor has notice been provided in any loan documents during the disbursement process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CT

Complaint narrative:
I was laid off from my job for the second time and decided to go back to school. As I went through they were lookin it my and my husbands income as well. I needed to get a full-time job, so when I went back to working full time they told me I had to start paying off this loan. I 'm XXXX XXXX less than half of my paycheck and is very burdensome. I struggle every month trying to pay that bill as well as my other responsibilities, i.e., my monthly bills. 
If I could get some of my {$66000.00} debt of student loans, and parents plus loans down, this would help me tremendously. I 'm trying to go back to school to earn an XXXX, but I will be XXXX or XXXX years old before I am able to even think about not having to pay any more educational loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
SunTrust bank not only charges you overdraft fees but after 5 days they charge additional overdraft fee. I have never heard of this nor has any other bank I have deal with does this. I think this is total unfair

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