vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-20 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: NH

Complaint narrative:
I requested a manual payment re-count ( payment tracker ) for qualifying payments for the PSLF program in XX/XX/2017 as my payment count was miscalculated - I am STILL waiting despite many phone calls to address this. No one can tell me how much longer this will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA)
State: GA

Complaint narrative:
I have collection on my account has been placed on my account from Professional collections. I have know knowledge of this account and I have asked them send me information regarding this account. But i have not gotten any response or a letter stating that i owe this debt. Please remove this off my my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank froze my funds and restricted my account without notifying me which has caused me to miss my rent payment. I have over {$1000.00} sitting in my checking account and I need to pay me rent. 

Chase is also threatening to close my account but they will not tell me why. I have spoken to several representitives over the phone and sat in the branch for an hour to try to see what the issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: MD

Complaint narrative:
In late XX/XX/XXXX I was approved for an auto loan with XXXX XXXX. In the loan docs they indicated that if they were " unable to register my vehicle I would receive that amount back ... '' ( because they have provided no service ). Almost every other day I get an email indicating I have " registration issues/flags that need to be cleared .... '' before they can register the vehicle. I am aware of that ( additionally when the rep came to my home to deliver the new vehicle she also indicated that " I could register the vehicle myself and they would give those funds back to me '' ). I even called the company and told them this would take a while because I was a victim of fraud/identity theft and the person has over {$1000.00} in fines and fees that I can't afford to pay in whole at this time. I actually have to go into the MVA to clear those fines and then I can enter into a payment arrangement while at MVA. Also MVA would be able to register my vehicle in addition to purchasing plates. The company is finding any and every way possible not to return the funds to me. I even presented them with a page from their own contract and my signature stating such ... their response, " my Supervisor said that this isn't [ applicable ] in the situation so we can't refund the charge ''. It's just a lame excuse not to send the funds back to me. I told them that they, " should not have put that information in writing if that was the case ... ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On or about XX/XX/2018 I went to XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX GA because I needed a car to get to work. I saw a XXXX XXXX  XXXX XXXX and decided to purchase it. The deal was for {$17000.00} and my interest rate came out to 18.32 %. I was confused as to why my rate was this high but was told that it was because of a recent bankruptcy filing. I decided to let things be and move forward with my life because I am suffering from a XXXX. Over the last 12 months I was repeatedly told by a credit monitoring agency that I was overpaying and that the interest rate is too high for my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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:
XXXX XXXX, XXXX  and TransUnion has fraudulent charges on my credit. The company that reported this XXXX XXXX XXXX in XXXX was involved with corruption and I exposed their unethical business practices. There is no court order for any {$3000.00}. I paid my rent on time every month for 9yrs and have an excellent credit except their derogatory and fraudulent report of over {$3000.00}. This company was robbing rich students, tampering with Federal mail, going in units when residents not home, forged signatures on documents, manipulating and intimidating using police to do their dirty work. XXXX XXXX was the manager and was fired after I exposed to various organizations. FBI, news media and other social media. XXXX XXXX XXXX is evil wicked and greedy for money. These reporting agencies are reporting inaccuracies. This fraudulent charges was retaliation for exposing them. XXXX XXXX XXXX in XXXX placed brown newspaper to cover their office windows then painted it half white so no one would see their staff. Then changed their name to fool people. They are located at XXXX XXXX XXXX in XXXX, Mass. They are the same company but change their name to fool people. They are charmers, deceptive evil, wicked and greedy robbing rich students and turn on American citizens.

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 2019-04-20 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: MA

Complaint narrative:
XXXX XXXX, Experian and XXXX has fraudulent charges on my credit. The company that reported this XXXX XXXX XXXX in XXXX was involved with corruption and I exposed their unethical business practices. There is no court order for any {$3000.00}. I paid my rent on time every month for 9yrs and have an excellent credit except their derogatory and fraudulent report of over {$3000.00}. This company was robbing rich students, tampering with Federal mail, going in units when residents not home, forged signatures on documents, manipulating and intimidating using police to do their dirty work. XXXX XXXX was the manager and was fired after I exposed to various organizations. FBI, news media and other social media. XXXX XXXX XXXX is evil wicked and greedy for money. These reporting agencies are reporting inaccuracies. This fraudulent charges was retaliation for exposing them. XXXX XXXX XXXX in XXXX placed brown newspaper to cover their office windows then painted it half white so no one would see their staff. Then changed their name to fool people. They are located at XXXX XXXX XXXX in XXXX, XXXX. They are the same company but change their name to fool people. They are charmers, deceptive evil, wicked and greedy robbing rich students and turn on American citizens.

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 2019-04-20 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX is continuing to report unverified trade lines on my credit file, I've attempted 3 times to get them to send proof they have authorizition to collect these debts

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 2019-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was checking my credit report and I noticed a collection from LVNV company. I received no notifications from this company to validate debt, also I am Filing fraud with FTC due to numerous accounts being open in my name. I am a senior citizen and my information have apparently been issued out to strangers. I would like for them to validate the account is mine. I do not owe such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/19 my mortgage Fico score XXXX was a XXXX. Then on XX/XX/19 an erroneous collection account reported by XXXX XXXX, which dropped my XXXX score by XXXX points. The account has now been removed but I did not get back all of my points back. I am showing I only got back XXXX points. My score was unfairly reduced by an inaccurate reporting on my credit file which has been now corrected but the points were not updated for the mortgage score.

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 2019-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hi, I have a 15 year Fixed Home Mortgage Loan with US Bank. When I login to make a Mortgage payment from their web-site ( https : //onlinebanking.usbank.com/Auth/Login ), it gives you few options when making the mortgage payment. Even though, I select the payment towards next EMI, the payment is still applied towards Principal payment. When I communicated with them, they did so many reverse entries that no one can understand ( I have XXXX in XXXX still it is confusing ). I am not sure whether my payments are correctly applied so filed a complaint with their customer support department. Have only got communication with a vague language without any answer to my original complaint. Please help me to resolve the issue as US Bank does not care for resolving it. 

Thanks. 
P.S. I can provide my personal information if needed.

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 2019-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2019 Reported balance {$680.00} Opened XX/XX/2019 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX NOW THIS COLLECTION HAS ALREADY BEEN TAKEN OFF MY RECORD AND HANDLED! NOW THIS COLLECTION AGENCY THAT NEVER TRIED TO CONTACT ME AT ALL HAS PLACED THIS BACK ON MY RECORD CLAIMING I OWE THEM IN WHICH I DON'T!! 

AND I HAVE PROOF! 

THIS IS THE AGENCY THAT HANDLED IT FIRST! COPIED FROM MY CREDIT REPORT Accounts In Collection Removed ABILITY RECOVERY SERVICE Collections Account Removed This is great news! Collections accounts can do a lot of damage to your credit score, so getting one removed is often great for your credit health. Collections accounts are typically removed after seven years, or could be removed due to a dispute or settlement. 
Between XX/XX/2019 and XX/XX/2019, your ABLTY RECVRY collections account was removed from your credit report.

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 2019-04-20 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: NJ

Complaint narrative:
A foreclosure on my TransUnion report should have aged off the report XX/XX/XXXX as date of first delinquency was XX/XX/XXXX and the account was never brought current after that date. It seems that the creditor re-aged the account for several months from XX/XX/XXXX thru XX/XX/XXXX as current when it was not as no payments were ever made during that time period. The report also makes note that as of XX/XX/XXXX the account was at least 120 days past due. I disputed the account current status for the months of XX/XX/XXXX thru XX/XX/XXXX pointing out that the date of first delinquency was correctly reported as XX/XX/XXXX and the XX/XX/XXXX date shows 120 days deliquent which negates at the minimum the current status for the first 4 months of XX/XX/XXXX. Each time I disputed the account, it came back as verified and remained on my report. I also sent copies of the foreclosure court papers filed by the creditor in XX/XX/XXXXof XX/XX/XXXX stating and swearing accuracy that the account has been delinquent since XX/XX/XXXX and never brought current. I sent these court papers on 3 occasions, once electronically and twice via USPS certified. TransUnion never took into consideration the proof that I sent them. I was told that the account is verified as correct by the creditor. My last verbal dispute with TransUnion that they take into consideration the legal court documents I sent them proving that this account should no longer be on my credit report was on XX/XX/XXXX. Although I received acknowledgement of this dispute on XX/XX/XXXX I never received any further response and the item remains on my report negatively affecting my credit after it should have been removed almost 5 months ago. This has been disputed at least 8 times over that time period. TransUnion rep told me they do not have a disputed resolution department and only consider what the creditor verifies.

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 2019-04-20 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: FL

Complaint narrative:
sent out letter with copies of my driver 's license and social card and utility bill to get my address updated and haverequested to delete other address that do not belong to me.

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 2019-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: MA

Complaint narrative:
received a missed call from XXXX returned call it was XXXX XXXX, i gave permission to the represenative to speak with my husband XXXX XXXX XXXX who i thought had written permission sent in to XXXX XXXX.i provided permission to speak with XXXX XXXX my spouse again. the name of the rep we spoke with was XXXX XXXX, he put me on extended hold and he stated a l. to tried to contact about overdue payment but he noticed a lkarge poayment was made and system hasnt updated, my husband tersely interjected and stated this cal is not warranted account is due thru XX/XX/XXXX, and do not call again and this matter was supposedly handled by XXXX XXXX # XXXX XXXX XXXX, he was advised to cease and desist orally from any further contact and that will be backed up in writing, account is not over due even there website is showing past due incorrect, this is wrong.proof attachment included

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
sent out letter with copies of my driver 's license and social card and utility bill to get my address updated and haverequested to delete other address that do not belong to me.

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 2019-04-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr cooper no texts or emails!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
My Discover Credit Card was stolen and used at various retailers on XX/XX/2018 at the stores XXXX, XXXX XXXX, XXXX XXXX, and XXXX which totaled to the amount of {$4400.00}. I quickly reported the issue to Discover who then gave me a temporary credit while they investigated the case. Initially, they stated that I had provided all I needed to provide, but I was then contacted in XXXX by Discover with them requesting a police report. I filed a police report with the XXXX XXXX Georgia Police Department and forwarded the information to Discover who stated that they would contact the Police and get their investigation completed. I was contacted in XXXX by Discover stating that they were unable to verify the police report information when they contacted the Police Department and were requesting I help get that contact information relayed. I contacted the Police department and received a new police report number which I forwarded to Discover in XXXX along with an entire copy of the police report by fax. Discover again contacted me in XXXX and stated that they were unable to get in contact with the department, so I contacted the department again which gave me a new number to send to Discover. After sending the information to Discover in early XXXX, I contacted Discover for a followup on XX/XX/XXXX whom stated that they did not receive a callback from the police department after leaving a message, so they left liability of the fraudulent charges in my name. I requested they call the police department with me on the line so we could get this dispute resolved, but I was told that they would not do that as they felt they had performed due diligence already into the matter even though they have never actually been in contact with the Police Department of the 5 ongoing months of this dispute and Investigation. I have done my best to work with Discover and complete any actions they requested on my part while they are not doing theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc.
State: LA

Complaint narrative:
I owed XXXX {$1600.00}. The account went into collections and was serviced by ARS. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement onXX/XX/XXXX. It stated it would take 30 days for my credit report to reflect it. Well XXXX 's is now reporting on my credit report that I now owe {$330.00}. 
So I called ARS. They stated they submitted that they payment agreement was paid in full to XXXX and that I need to contact XXXX. I called XXXX and spoke with XXXX, # XXXX. She said that I paid ARS, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with ARS, not XXXX. So I still have a balance due with them. ARS was acting on XXXX behalf in this matter!

Company response to consumer: Closed with explanation