vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
I started contacting companies on my credit a couple of years ago to fix my credit when I got out if the military. Consumer Adjustment was one of those company 's. I asked what debt I owed as I was unaware and the young man I spoke to was unsure. I asked if they would take a settlement for the XXXX original balance on the account he informed me that was not possible because that was what the debt had been bought for. I informed him I was currently in the process of applying for my VA XXXX and would apricate it if the company could please send me any type of paper work they had showing where the debt had came from. The company never sent me anything. I contacted the company again six months ago to ask if I could get the validation paperwork and they said that it had been sent to their legal department that the only thing I could do was pay off the debt, which I could not do because I live off my VA XXXX. I heard nothing Two months ago I began working with a XXXX XXXX to help resolve the last few credit issues remain after my divorce. This is when I again heard from someone at Consumer Adjustment. A woman Called me XX/XX/XXXX Asking me to identify myself when I asked who was speaking she insisted I confirm whom she was speaking to and that I was at my address. I informed her that if she was a debt collector she need to say so now or contact me via postal mail, She let me know that she was in deed with Consumer Adjustment and that if I did not pay my debt it would be reported to my debt. I then informed her that it had been reporting to my credit for several years and I would apricate it if she could tell me where the debt originated from. She, like the man I spoke to before, was unsure. I asked to be sent some sort of validation of debt as I had yet to receive any and was uncomfortable paying a debt I have no recollection of owing. She agreed to do so after doing so she tried to convince me it would be better for me to simply pay them XXXX dollars instead. I still have received no validation of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: TX

Complaint narrative:
ID FOR XXXX XXXX-XXXX ID FOR EQUIFAX - XXXX-XXXX Folling my initial complaint to XXXX re predatory interest rates in XX/XX/XXXX, and as previously confirmed by XXXX through CPFB, this account never went in to collection, Instead they engaged in coordinated harassment by phone and on site. 

Since complaints to Equifax and to CFPB above on XX/XX/XXXX, XXXX reported erroneously to XXXX ( no change as of now to score XXXX ) : Payment after charge off/collection Settled - less than full balance With Equifax, in Mid-XXXX XXXX reported late payments in XXXX and XXXX of XXXX, which caused my credit score to drop 24 points from Excellent to Good. Following the above CFPB complaint, a remark was added regarding late payments and collection, but it has subsequently been removed. This morning, I was just notified by XXXX XXXX that a negative remark has been added to my Equifax report, and my score dropped another 45 points to XXXX ( Fair ). 

When I review XXXX closed account in Equifax, the calendar showing late payments and their latest remark had been removed. 

The notice on XXXX XXXX states Between XX/XX/XXXX and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your credit report ( although it is still showing as a closed account on XXXX XXXX  ). The remark on the Equifax Closed Account says " Consumer disputes - reinvestigation in process. '' Since XXXX has been adding negative remarks on an account closed equitably in XX/XX/XXXX, I have to question whether there is tacit or explicit collusion between XXXX and Equifax. I expect and request Equifax ( and XXXX ) to report the XXXX loan as as indicated on XX/XX/XXXX, and since, with no additional remarks, and restore my credit rating prior to predatory and retaliatory actions by XXXX in XX/XX/XXXX. Equifax has corrected prior erroneous reporting by XXXX since XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are supposed to investigate errors on your credit report, and get back to you with the results, if you request it. I personally sent an investigation request to the three credit bureaus back on XX/XX/XXXX, but I still haven't received any responses. They are supposed to do investigations in 30 days. But its been a lot longer than 30 days, and I'm still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are supposed to investigate errors on your credit report, and get back to you with the results, if you request it. I personally sent an investigation request to the three credit bureaus back on XX/XX/XXXX, but I still haven't received any responses. They are supposed to do investigations in 30 days. But its been a lot longer than 30 days, and I'm still waiting.

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit bureaus are supposed to investigate errors on your credit report, and get back to you with the results, if you request it. I personally sent an investigation request to the three credit bureaus back on XX/XX/XXXX, but I still haven't received any responses. They are supposed to do investigations in 30 days. But its been a lot longer than 30 days, and I'm still waiting.

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Over the past several months I have tried to use XXXX XXXX  XXXX and I have tried to use myEquifax to unlock and lock my credit report. Each time I login, a message is displayed saying that the service is temporarily unavailable. 

I have contacted Equifax repeatedly about this problem, and each time I have been told that a system security update is being performed and that I must call back. I have been told that this issue has been escalated to technical support, but it has not yet been resolved. I want to access XXXX XXXX  XXXX and myEquifax so that I can unlock and lock my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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:
Was put on a nine month rehab program, completed it and was charged {$13000.00} additional interest along with a {$6000.00} fee after completion and they kept taking off the once one driven repayment plan before the renewal one year time was up and was not allowed to regain it along with being told call the Deparrment of Education to ask them to take off the additional interest. Asked numerous times to send me the forms in the mail to reinstate for income driven repayment plan and never received anything. Then started getting 10 robo calls a day from unknown numbers along with Navient, XXXX   calling and harrassing me with nonstop daily calls leaving message or voicemail with someone talking so fast noone could understand. This is ridiculous and illegal and harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NJ

Complaint narrative:
On XX/XX/2019 the company AFNI charged off {$820.00} onto my credit report. All three credit bureaus are not reporting this as a collection and it is severely impacting my credit report. 
I disputed this account as not mine on XX/XX/2019. On XX/XX/XXXX I received a notice that my dispute was completed. I check the results and the credit bureau said the account was mine. AFNI has not furnished any prove saying this is my debt. Accordingly to the FRCA, AFNI has to repot accuraly which they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is calling from a spoof number acting like they are from my XXXX area code but they are in Georgia. They have been asked repeatedly not call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I acquired this loan early last year. I had to get this loan to pay my bills due to a slow time at work. I was desperate. This was around XXXX/XX/XX/2018. In XX/XX/2018, I was still struggling to repay this loan. I borrowed {$2600.00} and saw that my interest rate was near 100 %. So, my balance barely budged. I was paying on time every month until I couldnt and turned this account over to a debt settlement company. They werent successful about settling this account. Ive tried to settle with this company and they were vague about the terms of the settlement and I asked questions and they went unanswered and ignored. I sent them a promise to pay at {$1200.00} and again, this went unanswered and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX referred an outstanding balance of {$450.00} to Sunrise Credit Services.  In XX/XX/XXXX I set up and initiated a monthly automated payment of {$52.00} to settle the debt. In XX/XX/XXXX, I received notice from my credit reporting agency that there was a negative collection reported on my credit on XX/XX/XXXX and realized that the last payment made to Sunrise Credit Services was on XX/XX/XXXX. There were two remaining payments to be made which would have brought my account to a zero balance. I called Sunrise Credit Services to ascertain why payments were stopped. I was informed that XXXX " took the account back ''. Upon further inquiry with XXXX, they reported that because the account was still outstanding, they referred the account to XXXX XXXX to collect the remaining balance of {$100.00}, despite on-time monthly payments being made. I had no knowledge nor received any notice, written letter or otherwise, that the account had been transferred. XXXX XXXX reported that phone calls were made to my home number, however, no written notice was mailed. After paying in good faith to the settle my debt, this failure to report the acquisition of the new account prevented me from being able to clear up the account in a timely manner so as not to have it reported to the credit bureau.

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 2019-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Please see my feedback to Case XXXX on why Ally 's interpretation of their own terms and conditions of the promotion they sent CFPB are incorrect and help me reopen the case. ( repeated in next section below ) Attaching letter I sent to Ally below where I had stated the CD I funded for the " new '' $ XXXX ( which is money I moved out of Ally earlier and resent to Ally, but as stated in my feedback and on the very terms Ally sent the CFPB, this is considered new money ) Item :XXXX Amount : {$100000.00} XXXX From Account : XXXX XXXX  XXXX XXXX Ending In:XXXX To Ally Account Ending In: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 2019-03-29 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: MA

Complaint narrative:
I paid off an outstanding collections. The collections was removed but my credit score for TransUnion went down when my XXXX score went up.

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has incorrect info on my report. They have someone else 's name, not mine.

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 2019-03-29 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: TX

Complaint narrative:
Experian will not delete XXXX XXXX XXXX account from my file despite it being an invalid account and neither will it accept that ultas reward credit card has also been closed. They will not update this on my account and this has caused Me to reopen reinvestigations just to clear these matters up. XXXX has   delivered on this promise exceptionally. I just do not understand what the issue is with Experian.

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 2019-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
When I opened this account I advised that I can not receive calls at work. On XX/XX/XXXX XXXX left a voicemail while I was working on my cell phone then ten minutes later called my job. I called on my break an hour later it was confirmed that my employer number was on a do not call list and it wasnt going to happen again. Today XX/XX/XXXX XXXX does the same thing in the morning calls my cell then job. I call and ask at XXXX for a way to send something in writing because I can get fired and this will be the third occurrence of being called at work just for them to say its notated not to call and they dont know why XXXX called, they refused to help any further just saying they will re document the account. This has been such an unprofessional experience I feel like Im being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
COMPANY : XXXX XXXX XXXX XXXX. 

On XX/XX/2019 our Business account XXXX was limited by Paypal after being a loyal customer for 10 years. The limitation meant that all funds were blocked. We could not send payments, withdraw or make any changes. We could only receive money. 

Paypal provided NO warning about this. They simply limited our account. When we logged in to see we noticed a warning with a request to provide them additional information about our company and the individual using this account. We promptly provided the information requested. 

The next day we received an email from their Compliance saying that some of the information could not be accepted. We reviewed this and found the correct documents and we then provided the correct information on Wednesday XX/XX/2019 after which their system said that we would be updated in 2-3 business days. Its been 9 days since we provided this information and we have not received any follow-up or any kind of help following numerous emails sent to XXXX and phone calls we made to Paypal support. 

When we call Paypal support they confirm they have the information but that they just tell us they can not do anything as it is only the Compliance dept that can do something, but the Compliance Dept does not take any phone calls! How can settle this? We have tried to-do this amicably and using all normal routes but we get no help from anyone. Its extremely frustrating. We get no replies to our emails and no follow-up from anyone. 

Our funds have been held hostage by Paypal for 12 days now. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I purchased a car from XXXX using a vehicle for trade in. XXXX XXXX XXXX the payoff check for aforementioned trade in vehicle on XX/XX/XXXX, it was received by Wells Fargo Dealer Services on XX/XX/XXXX and Wells Fargo lost the check and as of this date, the loan is still outstanding and I am accruing interest and late fees not to mention the account is delinquent and my credit score is taking a hit. The XXXX  tracking number is XXXX and it was signed for by a Wells Fargo employee XXXX XXXX on XX/XX/XXXX but Wells Fargo lost the check. PLEASE HELP!!! Wells Fargo 's number is XXXX unless you have a better number to get to someone higher than just a customer service rep who is no help. 

Thank you. 
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 2019-03-29 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: Coastal Credit, LLC
State: GA

Complaint narrative:
VEHICLE WAS TOTALED IN WRECK AND OTHER PARTIES INSURANCE PAID IT OFF YET IT IS STILL POSTED ON MY CREDIT REPORT COASTAL CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Yes I tried to receive a credit report and haven't been able to get any correspondence from Equifax since also becoming part of a hacking class action lawsuit unfortunately this seems to be strange to me that they will not send me a copy of my credit report both of the agencies did when requested is very important because I have no idea what they are listing on my credit report whether it's correct or fraudulent I like to have that done as soon as possible and with respect to your oversight

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MI

Complaint narrative:
Our mortgage was sold to PHH mortgage services. We wanted to reduce our monthly payment by removing our home owners insurance from escrow. I fought with them for months because they said it was not possible. After multiple calls and several mail correspondence, they finally took my insurance off the escrow. But then my payment went up nearly {$100.00} a month. They claim it's because my property taxes went up. I checked with the city and they said they may go up {$44.00}, not hundreds of dollars. Everything is a struggle with them. And I'm pretty sure they are ripping me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I inherited the home from my mother and it had a loan on the home. I was paying the loan and received a call from PNC after the house was going through probate, telling me they forgave the loan. Then I found out that the bank filed foreclosure saying that my mother had no heirs and the house was abandoned. I was never notified of the foreclosure. I wrote the judge and the sale was stopped. Since XX/XX/XXXX I have been working with PNC to lower and work out payments but they still send everything in my mothers name. 
Now on XX/XX/XXXX I found out that the bank is up for sheriff sale again and once again I was never notified of the foreclosure process.and still getting letters from PNC bank saying that they are willing to work out payments with the heir of my mother.

Company response to consumer: Closed with explanation