vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
The  XXXX   XXXX , Management company for  XXXX   XXXX   XXXX   XXXX , refuse to change or eliminate the amount they state is owed to them for cleaning damages to an apartment I rented from them for a year. I have videos of how I left the apartment ( which was fully cleaned which I submitted to them ). I also disputed the case with the current ap artment manager, who stated a different total owed, and that she only had record of a custodial che ck list submitted on the apartment.  <P/> The presence of this on my credit report is extremely damaging, especially with the company having no proof that I left the apartment in the condition they stated, of which I have dated videos to prove otherwise.  <P/> Dates rented t  he apartment is on the attached documents.
Total reported to t  he credit bureaus : {$2500.0  0} Total amount reported on letter submitted to myself and other property in apartment network : {$1600.00} No Rent Due ( as attached ).
<P/>  This is a huge difference. Not to mention, that although this was stated on their management report to my new apartment management, they did not reduce the amount on my credit report.  <P/> This is extremely damaging to my credit report, and is likely to come up every time I seek to rent another apartment.

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 2017-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rosebud Economic Development Corporation
State: MD

Complaint narrative:
I contacted this company for a short term loan, but it has become massive and they take my money any time they want, they took the money on  XXXX / XXXX / 2017  Friday, I had called to ask that this payment be put off for  a 2 we ek period, they told me it would be put off, but they hit my bank anyway, overdrawing my account, they pay date next is  XXXX / XXXX / 2017  but they took it early, and now my account is {$190.00} to the bad, and I have a text and pay schedule showing  XXXX   XXXX ,  2017 . This company does n't have to go by the rules then I do n't want to do business with them and they should be shut down. They took {$120.00} when they said they would not, then they took {$120.00} 2 days early, costing me {$36.00} in NSF fees   XXXX   times total {$72.00}. I call them and they are disrespectful, and you are there personal ATM. I asked that they not take anymore money, I only borrowed {$400.00}, and have paid that back and some.

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 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
Statebridge LLC a pproved a HAMP modification on my property in  XXXX ,  XXXX . During the trial period, which extended from  XXXX  -  XXXX  of  XXXX , I paid about {$3000.00} per month. After completing the trial period, a final modification was approved and a lower payment, just over {$2500.00}, was offered by  Statebridge,  beginning  XXXX   XXXX . I made regular on-time payments to  Statebridge th rough  XXXX ,  XXXX , when my loan servicing was transferred to another servicer,  XXXX   XXXX .  <P/> Recently,  XXXX  notified me of an escrow account shortfall of almost {$10000.00}, and an increase in my payment from {$2500.00} to {$3800.00} to cover the shortfall. This shortfall was caused by a critical mist  ake Statebridge made in calculating my approved HAMP payment. Statebridge counted only 50 % of my annual property tax, thus creating a systematic shortfall. Since I never received a single bill or statement of any kind from Statebridge, I was completely unaware of this problem until now.
<P/>
This is the second complaint I have made about Statebridge to CFPB. The first was resolved by CFPB when Statebridge admitted failing to apply a timely payment and claimed to be working directly with  XXXX  to correct my payment record, however   XXXX   had heard nothing from Statebridge. I am requesting additional followup on the earlier complaint as well as this new complaint to ensure that Statebridge follows through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In  XXXX  of  XXXX , I applied for  IBR. I w as approved for $   XXXX   monthly installments. I was told my past payment history would be ma rked PTD  and the " late payments '' would be removed. They were not.  <P/> In  XXXX  of  XXXX  renewed this option. They denied the application and i called  XXXX   XXXX  and  XXXX   XXXX  of  XXXX  to try to fix this. They forced me to claim 2 months of forbearance for their clerical error.  <P/> On  XX/XX/XXXX  I was suppose to begin making payments of {$35.00}, when I called that same day was forced to take another month of forbearance due to continued errors on their part. Was informed payments would start  XX/XX/XXXX  On  XX/XX/XXXX  I called again for info, according to them my payments were {$94.00} and they lost the signature page. Was then placed on a 60 day administrative hold to reapply  Reapplied for IBR   XX/XX/XXXX  Received bill  XX/XX/XXXX  saying i owe  XXXX  a month received another statement  XX/XX/XXXX saying I owed  XXXX  a month Called  XX/XX/XXXX  and explained all confusion and they rushed the  XX/XX/XXXX  application after trying to force me to again to take forbearance.  <P/> Reapplied f or IBR   XX/XX/XXXX  received notice that the application wasnt approved after they again lost documentation i sent in ( signature page and  XXXX  ). Called and attempted to resolve XX/XX/XXXX  with no resolution.  <P/> They tried to move my monthly payment up from  XX/XX/XXXX  to  XX/XX/XXXX . Called to see if they had finally fixed this  XX/XX/XXXX , and they finally had it all fixed correctly.  <P/> I have document to prove this, just can not attach them from my phone. I am willing to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Capital accounts is reporting that I owe {$500.00} for a XXXX XXXX. I had to XXXX the Dr. to find where she works. Found out she was one of the Dr. 's who is on call with XXXX XXXX XXXX. I spoke to XXXX at XXXX XXXX XXXX 's billing department on XXXX XXXX 2017 at XXXX XXXX pacific time. She informed me I do not owe the hospital anything and that nothing was sent out to any collection agencies. I informed her about this account and she stated the insurance covered it. Again informing there is no outstanding balances at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: FL

Complaint narrative:
My account with  XXXX   XXXX  was closed after I voluntaried surrendered my vehicle to them. For years it reported as closed & now it 's being reported as open with  XXXX  of the credit bureaus & I would like the information on my credit report to be reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I have had my primary e-mail account hacked. It is being accessed only by the criminal who got into it and changed the password. I can not access it. It is the primary email that records of my  PayPal transactions are being sent. Several attempts to get PayPal  to stop sending details of my transactions using their service to my hacked e-mail address have failed. They continue to send the details to a e-mail address they have been told several times are in the hands of criminals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: AL

Complaint narrative:
I paid this debt before I got it properly verified. After I paid the debt, I wanted to make sure none of my rights were being violated. I am concerned that m y HIPAA rights  have been violated. The original creditor of this debt is  XXXX   XXXX . I a sked for verification for this debt ALONG with my consent to release this debt. Frost Arnett sent me a complete itemized statement with my cpt codes concerning some very private tests that I '' ve had. This is a very d elicate situation for me and I do not want my files sent to anyone and any company without my permission. Although they sent the statement, they failed to send me any documents that allowed them to have possession of my personal belongings. Thinking that maybe this was a mistake on their end, I sent a letter on  XX/XX/2017    for the verification AND proof of consent of the release of my documents and I have a receipt that shows they received it o n the 3rd. This time I heard nothing back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Over the course of repaying student debt many errors and misinformation has been provided to me causing financial loss and waste of time.     The student loan repayment system is broken and harming students and their families.      Service Lenders  routinely make errors, have call centers with POORLY trained staff, provide HORRIBLE customer service, and do not provide all the necessary information to make informed decisions.     Wait time s are over 40 mi nutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
On  X/X/17    I called Regions bank  on two seper ate occasions that say to ask if any of the overdraft fees on my account could be waived or reimbursed to my account. As of today my account is $  XXXX . I have a mobile deposit pending for deposit tonight in the amount of {$270.00} but that will still leave me with a negative balance. I called explaining why my account was overdr awn ( my mother passed away ) a nd all the stress of dealing with that and paying funeral fees and other things I was n't paying attention to what was going on with my bank accou nt. I have 4 p ending transactions on my account for tonight ...  XXXX ,  XXXX  Credit Card pymt  XXXX   XXXX   XXXX ,  XXXX  Credit Card payment Express and a {$19.00}  XXXX  purchase that has been pendi ng for four d ifferent days. So far Regions has taken out {$180.00} in overdraft fees with more in sight since  I have 4 more transactions pending. I called today twice and I actually got ONE {$36.00} fee reimbursed to my account. They would n't help me any further. Their response that I had already used a court esy fee waiver within this year ... which is untrue and they could n't do anything else. Can you get Regions to waive any more of the fees? At this point I 'll never have a positive balance. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed atm withdrawals from a non citibank atm that were not authorized by me and was brought to my attention when I was overlooking my bank account statements. I called to report the discrepancies to which I was provided with an adjusted credit. The unauthorized withdrawals occurred on  XXXX   XXXX   ( {$200.00} ),   XXXX   XXXX   ( {$24.00} ),   XXXX   XXXX   ( {$64.00} ) ( {$100.00} ) and totaled {$390.00}. All of that credit has been reversed and my account is now overdrawn and has been  blocked with added charges including {$20.00} for the non usage of a citi bank ATM.I am very disappointed with my short lived experience at this institution and was looking forward to banking here. I will make sure to advise to stay away from this bank.

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 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management  is trying to collect a medical debt not owed. I contacted the orignal creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  about the debt. I spoke to  XXXX  at the  XXXX   XXXX  billing department on  X/XX/2017    at  XXXX    XXXX    pacific  time. She informed me that I have no outstanding balances and they never sent anything to collections. She verified my insurance and showed no issues from around the dat e of Progressive 's  reporting. I then called Progressive on   XXXX   at  XXXX   XXXX   pacific time a nd got a woman named  XXXX  who only gave me her name after I told her what the original creditor said so her real name could be something else, because I told her I would dispute because of the invalidation and she got an attitude. The original amount they are reporting is similar to another hospital in which I have never been to which is  XXXX   XXXX . I let the agent know as well as the credit bureaus know I have never been to  XXXX   XXXX  and yet no one is validating the fraud being put on my credit report. They are stating I owe over {$2000.00}. They continuously change the amounts based on whatever they decide. They are reporting  XXXX  account that the original creditor stated was never sent to them and  XXXX  that does not belong to me due to fraud and identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I moved out of my old apartment in  XXXX   2015  but in  XXXX     2015  a co llection company named CBE Group said I owed {$86.00} for my utility bill. I contacted my old apartment manager who emailed me proof of my final payment for rent and utilities. In fact, I was mailed a refund from my initial security deposit and she said I owed nothing. I forwarded a copy of that statement to CBE and for the last two years have considered the matter closed. But in the last month or so, I 've been receiving call after call to ding me for the same debt. I also received a printed bill from them in the mail but returned it with a note demanding that they stop harassing me. I hope you can get CBE Group off my back once and for all.

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 2017-06-07 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
My vehicle was totaled in  XXXX / XXXX / 2017 , my insurance  XXXX  mailed a check to  Credit Acceptance on   XXXX / XXXX /   2017  and this check was cashed for {$9300.00}. The balance was  XXXX . We were notified by Gap insurance, additional monies was paid on    XXXX   XXXX  2017 , leaving me a balance of {$200.00}, which I paid at that time. Paid in full letter was dated  XXXX  2017  fr om Credit Acceptsnce. My  credit report is showing a balsnce of over  XXXX  and when I filed a dispute with   XXXX   to have my report update d, Cr  edit Acceptsnce stated all information was correctly reported in my report. Plea se hold this company accountable, as they have not reported any payments beyond    XXXX    2017   . This is affecting my score and I am in the process of purchasing a home.

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 2017-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
I have been Complaining about a refund from google for over a year. I and my bank have tried to resolve this issue. My bank has wrote letters to them, talked to them over the phone, I have been emailing them, filed disputes with my bank and contacted state agencies. I was told that google sent my payment to XXXX XXXX XXXX and to XXXX XXXX from google.I have been calling them and waiting for reply but have been having issues recovering my refund. I have tried everything to get them to give me my money back as well has my bank XXXX. I have several case numbers and they keep giving me different statements. I keep getting new agents so I have been passed around to so many agents and I am getting upset at this situation. I am asking that they send my money back to me as they told state agencies that they gave me a refund when they told false information.At this point in time I feel they are doing this so they do not have to pay me my money back from these fraud charges. My bank showed them proof that nothing ever came to me and I keep getting excuses as to they already sent a refund, they never sent a refund and get passed around to agents. I will attach the information I sent to them in this dispute.
<P/><P/>
Google case number XXXX. Email used for contact is XXXX.
<P/>
Dear Sir or Madam : I am writing to dispute a billing error in the amount of [ {$1400.00} on my account. The amount is inaccurate because the money was reversed by google when in fact Google was to issue a refund in the amount of XXXX.I am also requesting proof of any payments sent from your company, And transactions that was paid to the right bank.
<P/>
I have attempted to get a refund through your customer service department and have sent letters from my bank, my bank statements, and reversals that google made from my bank.
However, after a year I have still not received a refund of the {$1400.00}.
I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement after the payment has been resolved.
<P/>
.I look forward to your reply and a resolution to my problem.
To resolve the problem, I would appreciate you refund my money that was stolen from my bank.
Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On  XXXX   XXXX  , 2017, I was trying to deposit check via ATM, card did not work and I called Suntrust. Bank Representative told me that my account is being reviewed and I will get a letter in the mail about their decision to keep account opened or closed it and if closed, I will get my money in the mail via check. I asked why no one contacted me, I get daily notification email about my account balance and nothing about funds are being on hold and what 's going to happen with my third party payments that I made against this checking account. The representative told me Suntrust do n't deal with fees charged by others and I have to contact them myself. This is unacceptable, I am being penalized without any advance notification. I just paid my college child rent from this account, our pay checks are being direct deposit into this account within next week. We live pay check to check and wo n't have access to money until they are done with their review. This is abusive and unfair and I need Suntrust to be accountable for putting us in financial distressed.

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 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Monterrey Collections st ates in a letter that i opened an account with  XXXX   XXXX   XXXX  in  XXXX  of   XXXX  . I have not been a part of the MIlitary since  XXXX   XXXX  i do not have any knowledge of a loan with  Monterrey COllections or    XXXX   XXXX  . I have dispute this account numerous times and have asked for account verification. I do not have a contract with Monterrey COllections and i do not have any knowledge of an account with   XXXX   XXXX  .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Purchased  XXXX   XXXX  on  XXXX   XXXX  for {$4800.00}. After a couple weeks they froze my account and say that Im unable to purchase after doing business with them for a couple years.  <P/> In addition I made on sell order on the   XXXX   XXXX   when the price of  XXXX  fell from  XXXX  down to  XXXX . During that time I was unable to gain access to the site to complete the transaction until the price had recouped. Many users are experiencing similar issues on the   XXXX   support website.  <P/> Here are just a few of the other companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation