vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Performant Financial Corporation
State: TX

Complaint narrative:
Performant  has been attempting to collect on my federal student loan debt for some time, but I am unemployed and currently on a rehab payment plan at a fairly low amount. However, according to some paperwork I signed over 15 years ago, they added 19 % collection fee to my {$91000.00} loan.     They continually call, and I 've stopped picking up the phone because it causes me   XXXX   XXXX  . They mail me notifications that over {$100000.00} is due immediately. However, they recently sent a notification addressed to me to my parent 's address at a   XXXX   XXXX   where I DO NOT LIVE. They are well aware of MY address, because they send me things. The last notice that was sent to my parents ' address, I had a caretaker write on the envelope to " return to sender '' and " remove this address from your records, '' and it was sent back. I learned today that another envelope has been sent, addressed to me at the   XXXX   XXXX  .     I am dealing with   XXXX   XXXX   over this situation, and it 's not fair that almost {$18000.00} in collection fees has been added to an already high bill that I ca n't pay. But trying to get my elderly parents involved is unacceptable. They are in extremely poor health, I 'm an adult ( over  XXXX ! ) and they do n't need to be involved.

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 2017-05-02 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: CT

Complaint narrative:
I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may  be a   XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  credit score  and needs to removed ASAP. This is double hitting my  credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

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 2017-05-02 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: CT

Complaint narrative:
I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all  XXXX  bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may be a    XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: CT

Complaint narrative:
I am in  XXXX  as of   XXXX   XXXX  . As such, I should be afforded all  XXXXXXXXXX  protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all three bureaus ) shows a   XXXX   XXXX   XXXX  E account. I never had a cavalry account. there is a memo that states it  may  be a capital  one  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  XXXX   XXXX  and needs to removed ASAP. This is double hitting my  XXXX   XXXX  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of   XXXX   XXXX   to   XXXX   XXXX     XXXX   XXXX   to   XXXX   XXXX     and Filed Chapter  XXXX    XXXX   on   XXXX   XXXX   XXXX  . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

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 2017-05-02 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: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  30-day and 60-day  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by  XXXX   XXXX   XXXX   XXXX   XXXX  "  XXXX  '' ).     An address change request was sent b y U.S.  Mail to loan  servicer    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  "  XXXX  '' ) on  XXXX   XXXX ,  XXXX . The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for  XXXX  and  XXXX  of  XXXX  indicating a payment amount due were sent to an invalid address. Thus, no payment was made for thes e two  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     In  XXXX   XXXX , I contacted   XXXX   and   XXXX   regarding this matter seeking adjustments to the report on goodwill grounds and factual accuracy basis. Both companies acted unreasonably in denying the request.  XXXX  even questioned the veracity of my explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  30-day and 60-day delinq uencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by  XXXX   XXXX   XXXX   XXXX   XXXX  "  XXXX  '' ).     An address change request was sent by  U.S. M ail to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  "  XXXX  '' ) on  XXXX   XXXX ,  XXXX . The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for  XXXX  and  XXXX  of  XXXX  indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these  two  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.

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 2017-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On  XXXX   XXXX  I was notified by  Chase v ia phone that there were some large withdrawals from an ATM in  XXXX   XXXX  California, and I am in  XXXX   XXXX  NV. They made  XXXX  separate withdrawals at an ATM  XXXX  for {$500.00} and  XXXX  for {$1300.00}. Once I was notified they turned off my card. They also asked about another transaction that I said I did n't recognize fro m  XXXX   for {$14.00}. I did n't know what that was at the time and it had been happening since  XXXX   XXXX . Since the first transaction happened in  XXXX  they said they are only liable for 60 days. I only reported it once  I    representative on the phone mentioned it to me. Now I am out {$1800.00} and was refunded {$45.00}. I talked to the claims rep who informed me of this and was escalated and was told the same thing. When I asked the escalation representative for someone higher he told me know and would not disclose his full name. He did say he was in the  XXXX . I visited a local branch who got someone on the phone and was told they were going to reopen it for review. I called today and spoke with  XXXX  from escalations and was told the same thing they could not do anything for me. I reported the fraud once they called me on it and I only reported the  XXXX  instance. Since they went back to  XXXX  they have denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
Hi, It shows in my credit that I owe {$720.00} and it was opened on  XXXX   XXXX . The name of the creditor is called ARS Account Resolution. The second creditor that is charging me money on creditor is charging me {$2200.00} and it was opened  XXXX   XXXX . The creditor 's name s called  XXXX   XXXX   XXXX . I did not take my daughter to the hospital during the months that is shows in my credit reporting. I have been false accused of taking her. Can you please ask them to check the signature of who signed the release medical information? Also, ask them to print me the ID that was used when the person went to the hospital? I do not understand why I am being charging of something I did not do. I just want the creditors to fix this issue they are accusing me of. I hope you can remove these  XXXX  charges out of my credit which are the amounts {$720.00} and {$2200.00}.   Thank you for taking the time to read my complaint.     sincerely,  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 explanation
Consumer complaint received 2017-05-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  XXXX  and  XXXX  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by    XXXX   XXXX   XXXX   XXXX   ( "  XXXX  '' ).       An address change request was sent by U.S. Mail to loan servicer   XXXX   XXXX   XXXX  , LLC ( " UAS '' ) on   XXXX   XXXX   XXXX  4. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required . Statements for   XXXX   and   XXXX   XXXX   XXXX   indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these  XXXX  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in XXXX XXXX. XXXX and XXXX delinquencies were reported in XXXX and XXXX XXXX XXXX respectively, by XXXX XXXX XXXX XXXX XXXX " XXXX '' ). An address change request was sent by U.S. Mail to loan servicer University XXXX XXXX, XXXX ( " XXXX '' ) on XXXX XXXX XXXX. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for XXXX and XXXX of XXXX indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these XXXX months. After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the XXXX failure to update address information per my request. The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.

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 2017-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I canceled a transaction on or around  XXXX , the amount is {$1300.00} to  XXXX . My request to cancel was not honored and my  Paypal  card was charged for items after being shipped, delivered on or around  XXXX . M y Paypal debit  card was charged on  XXXX , the complete transaction is copied here :  XXXX    XXXX    XXXX  Payment -  PayPal Debit  Card Loading g transaction  details for  XXXX  Payment  - PayPal Debit  Card - negative {$1300.00}.     This transaction is a consignment, items were shipped to me and given  48  hours to return them before being charged. I received package on or around  XXXX , due to a delay in not receiving them.  XXXX  left several door tags, I was not at home, a signature is required in person. I was not able to open the package until after the  48  hour return time frame had passed. Upon opening, it was discovered the items,  XXXX  pairs of mens   XXXX   XXXX  hoes, were not in the boxes. I informed the merchant and they insisted they were in box upon shipping, was advised to dispute charge with credit card. A dispute was filed on  XXXX ,  Paypal r eps were advised of the above information. However, they seem to keep missing what I told them, ask for same information repeatedly. Once piece of information, the  XXXX  tracking number, is not available. Oddly, it does not appear in my online  XXXX  account, I am signed up for delivery alerts with  XXXX  and all packages going to and from myself appear online except for this  XXXX  ... The merchant did not provide a receipt copy of either, which I believe is also requested b y Paypal.     They do not seem to understand I do not have this missing information as merchant did not provide it. In closing, please advise  Paypal t his is all the information I have and I need credit for these missing items, even as a temporary  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 2017-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: American Payment Holdco, Inc.
State: CA

Complaint narrative:
I made a bill pay at  XXXX  in  XXXX  using "   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  with the NEXT DAY delivery  1st  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00}  2nd  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00} None of the payments were delivered. I paid for the next day delivery, should have be delivered by  XXXX / XXXX / XXXX  - almost {$4000.00} and my   XXXX   XXXX   XXXX   were not paid at all!!!! I have called  XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they keep saying they have problems with their system and they do n't know how long it takes to have the money received by  XXXX . I consider this as very unreliable service and im requesting investigation or have the payments posted asap. My payments are due and {$4000.00} is a very large sum for  XXXX  to keep for weeks or month s. My credit score  is gon na be affected because my payments are late now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
My complaint is about a mortgage application and closing. During the home purchase process, i applied couple lenders and was informed that due to my visa status, i was only eligible for an FHA loan.I got approval from the  Cross Country  loan company for my home purchase and i submit all required information and documentation. I informed C ross Country about my visa status and submit  all related legal documents too. After their approval on  XXXX   XXXX    XXXX  , i continued with the purchase process, paid for inspection, paid {$450.00} to  Cross Country  for appraisal. Closing date scheduled was  XXXX   XXXX    XXXX   and on  XXXX   XXXX , i was informed by my real estate agent that there was a problem with my loan. Cross country then disclosed that i was ineligible for an FHA loan due to my visa status, just 2 days before closing date. After a research and discussions with other lenders, i found out that i was actually eligible for the loan. I paid {$1000.00} additional earnest money and extended the purchase contract, transferred the loan to another lender,   XXXX   XXXX   XXXX  . We also transferred the appraisal from cross country but we were unable to use it therefore i paid for the appraisal again. Not to mention inconvenience about my other arrangements for moving, my current rental place and costs associated with those. Eventually, as of today  XXXX / XXXX /  XXXX  , i got the loan from  XXXX  and successfully purchased the property.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I called the company last week after repeated phone calls at all hours of the day - many before   XXXX   XXXX  .     They told me what the debt was and I said that I had no instance of this being something I owed - it was for service I never had. They told me to submit a letter arguing the debt. Which was a week ago today on  XXXX  when this phone call happened.     Today I got a concerned phone call from my mother saying they had called at the specific number looking for me. A few weeks ago I received a call from my uncle saying that the company was looking for me as well.     I do n't have the phone records tonight from my mother, but I can get her those as well as those of my uncle who also received harassing calls. And I will gladly publish mine - including my calls to them.     And the names of all that I spoke with.

Company response to consumer: Closed with non-monetary relief