vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-03 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2019, XXXX 's XXXX XXXX made a hard inquiry without my prior authorization. I contacted them to inquire about this and they said they were allowed by law when the account is being sent to an attorney for collections but I never received a letter of intent for these actions to proceed. I am very upset that this was done without my prior notification and authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX  - {$0.00} XXXX XXXX XXXX - {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX - {$0.00} XXXX XXXX/XXXX XXXX - {$140.00}

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 2019-07-03 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns submitted my account due to non payment to a collections agency XXXX XXXX XXXX XXXX which we came to an agreement to settle in full with {$360.00} paid in XX/XX/2019 and still has not been removed from credit report. I have called Conns and they tell me account has been sold to collections agency and that they have not received anything from collections agency were I paid I called the collections agency and they say they sent Conns a XXXX balance letter 10 days after I made payment and that since payment was received they have closed account and nothing to be done in their end. 

I even submitted XXXX balance letter from collections agency to Conns and up till today no one has contacted me. 

I am getting the runaround with the collection agency as well as Conns and I have taken care of this account almost 4 months ago. 

Please help I am trying to do the closing in my house and this is the only thing stopping me from

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
I have been contacted several times a day about a closed / discharged debt. 
XX/XX/XXXX they contacted me via my work number. I notified them that I can not take personal calls at this number. Shortly after, they called my bosses cell phone #. 
Today ( XX/XX/XXXX ) I was contacted again on my work number after asking them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
The problem I am having with Navient is that they are failing to correctly allocate payments to my student loan. I have three students loans with Navient ; a privet and two Federal that are consolidated. My problem is with the Federal loan.  Since XXXX I have been doing over payments to the Federal loan portion that has the lowest outstanding principal. As of XXXX statement, my outstanding balance for the loan was {$2400.00}. After making the over payment for XXXX, when I verify the statement, the outstanding balance increased to {$4200.00}. I've called Navient several times ( XX/XX/2010, XXXX, and XX/XX/XXXX XXXX to get an explanation of what happen and to fix the problem. Their customer service people were not helpful. At least I found out that all the over payments I did, after been apply to the correct loan ( per my instructions in my profile setting ) where reverted and apply to the loan portion with the highest outstanding balance. I want for Navient to follow correctly my over payment instructions. I still have a long way to pay my student loans, I don't want to deal with Navient 's purposely confusing and misleading information. Their practice are deceptive at best and fraudulent at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Paragon Revenue Group has stated that I owe {$110.00} for medical bills that were not paid. However, I know I have never missed a medical bill payment. They told me to contact the medical practice that issued the debt, so I did and they said they have no record of sending a debt to collections. I called Paragon back and asked for them to provide a Debt Validation letter they said they already sent one to my address and it came back undeliverable. The agent then said to call the post office to find the letter that he just said was returned undeliverable. I asked him to send the Debt Validation letter again and he refused and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX Ca. XXXX on XX/XX/XXXX, I got a letter from Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX XXXX Diversified continue to call us from XXXX This letter was a collection Bill for {$220.00} Creditor XXXX I called the Diversified collection company the 2 times since they continued to call, and explain that I never had XXXX phone Service and I never lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX. I was told not to worry about it but they continue to call. 

We than call XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXXXXXX and fraud department XXXX with the same response. 
We will fix it but we dont know when. 
My credit score drop 20 point and we can not get them to fix it, this account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
This is to report a false advertisement and a mail fraud thru U.S. Postal Service, violations committed by M & t bank. 
Attachments are an offer to me at my address thru U.S. Postal Services. ( Page 2 ) Get a {$300.00} bonus cash bonus. See page 5 for details. 
Open a XXXX XXXX account at M & T branch by XX/XX/2019. 
Maintain an average monthly balance of at least {$10000.00} for the calendar month of XX/XX/2019 and XX/XX/2019. 
Your {$300.00} cash bonus will be credited by XX/XX/2019. 
On XX/XX/2019, Mr . XXXX XXXX spent more than an hour calling the center to get a code in order to open this account. 
On XX/XX/XXXX I called the XXXX to inquire about the {$300.00} bonus, after more than 40 minutes I was told there was no promo code and that I had to go back to the branch. 
On XX/XX/XXXX about XXXX XXXX I was at the branch asked MrsXXXX XXXX XXXX to talk to the branch manager, she stated the manager is busy and she could help. I informed her that I was closing the account by the XX/XX/2019 but, according to my previous inquiry to the call center, there is an issue with my bonus despite the fact a valid code was given to Mr . XXXX XXXX at the time of the opening the account. 
I presented her with a copy of the offer ; she spent about an Hour talking, I suppose to XXXX XXXX at XXXX XXXX NY, XXXX who at one point alleged a fraudulent or suspicious mail offer which I quickly challenged her. Then I was finally told by Mrs. XXXX that everything was escalated and I was assured everything is straightened out, and that she is on the top of it. 
Next morning Mrs. XXXX left a message at XXXX XXXX to call her exhibit ( page 3- exhibit : A ). When I called she stated the call was to assure me again that she is following up on the issue. I called her back again to remind her XX/XX/XXXX is the date. 
On XX/XX/XXXX I had to spend about half an Hour ( see calls attachment ) on the phone with Mrs. XXXX and also the branch manager regarding this, finally I alert them both, in an event the {$300.00} is not in the account by the XX/XX/XXXX the bank is in violation and that I would have no choice but to report to regulators. Mrs. XXXX, who had ignored me in the past, condescendingly stated : THAT IS YOUR PREROGATIVE. 
As of today, I have kept the account only open to receive the advertised bonus ; the {$300.00} has not been credited, but an amount of {$24.00} has been deducted for a service charge. 
The amount of time I have spent on this clearly shows many inconsistencies which substantiate intentional fraud on the part of M & T bank which unfortunately makes a bad name for the banking industry. 
Sincerely,

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 2019-07-03 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: American Coradius International LLC
State: TX

Complaint narrative:
XXXX submitted my account due to non payment to a collections agency American Coradius International LLC which we came to an agreement to settle in full with {$360.00} paid in XX/XX/2019 and still has not been removed from credit report. I have called XXXX and they tell me account has been sold to collections agency and that they have not received anything from collections agency were I paid I called the collections agency and they say they sent XXXX a XXXX balance letter 10 days after I made payment and that since payment was received they have closed account and nothing to be done in their end. 

I even submitted XXXX balance letter from collections agency to XXXX and up till today no one has contacted me. 

I am getting the runaround with the collection agency as well as XXXX and I have taken care of this account almost 4 months ago. 

Please help I am trying to do the closing in my house and this is the only thing stopping me from

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Hi my name is XXXX XXXX XXXX I'm complainging about Western Union I Just want my bill to be paid on time I have to pay the XXXX XXXX XXXX XXXX.. dollers or XXXX .dollers for an Estate   reimbursement Reqsal  situation. Can you associate I'm useing the same debit card for my online purchases..as well I have three purcaess or rather Money Transfers in question but only have two tracking numbers and one of them are doubled for some reason they are XXXX which was supposed to go to my tax man XXXX XXXX XXXX XXXX also though he has the only other showing the amount for the same in-which not my intentions, I just wanted to associate for my Requsal I'm useing the same card this number or Mtcn is XXXX The other I had a hundred dollers sent to Mr. XXXX and they gave me a problem after I received my relieving I changed the name amen to XXXX XXXX .XXXX XXXX Please help I have a sick Mother.. 
My email is XXXX My Card Number XXXX XXXX XXXX XXXX XXXX ( for XXXX ) XXXX as seen on Card.. 
XXXX XXXX ... 
And my XXXX XXXX XXXX Exspired today ... and I sent a XXXX As well with a Notery to the people at Westren Union as well with what is a Insurance receipt for delivery from the Post Office..with tracking numbers Reqlusal  relivance of Notery within Reqlusal beats copy of I'd!!!! Ofcourse within whome gets notery Amritrad Obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I purchased a product that was advertised on XXXX. It showed a hand held battery operated hand drill to dig holes to plant flowers or vegetables. When I received it there was only this small drill bit in the package. It was from XXXX. I contacted PayPal to ask for a refund. They sent me information to mail the merchandise back to XXXX with electronic tracking. There is no electronic shipping out of the country for less than {$60.00}. The product was {$30.00}. Since sending it back is not an option I feel my only option is to place a complaint since PayPal won't return my money. I should be protected against scammers. The company misrepresented the product. PayPal should be responsible to their clients. I was set to send it before the XXXX of XXXX like requested but needing the electronic tracking finding out that it isnt even feasible to spend {$30.00} extra dollars to get {$30.00} back is ludicrous. I want my money refunded. The company who misrepresented their product is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, No. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I closed on a mortgage XXXX of 2018 with XXXX XXXXXXXX and in XX/XX/2018 the servicing changed to a company named PHH Morgage Services that was collecting on behalf of XXXX XXXX XXXX. I had been sending my payments to the initial mortgage company because I did not receive the notice of serving change until XXXX. I contacted the company to try and get it resolved and they refused to fix the two late payments that are reporting on the credit report. My payments were being auto drafted so I would have thought I would be much better having them taken automatically. Had I received the notice prior to the payment due dates I would have sent the payments to the appropriate company. It is not reasonable to think someone can guess what the other companies are doing when there is no notification. Again the paperwork I have attached was not received until the following year!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I am disputing this attempt on debt from Renasant Bank in the amount of {$2200.00}. This debt was originally owned by XXXX  XXXX  for an auto loan that they charged off on XXXX. Renasant Bank then merged with XXXX XXXX  after and has then since tried to collect on a debt they have charged off on their taxes with their partnership/merger with XXXX XXXX. They are stating that I am delinquent on payment and it is negatively harming my credit report with inaccurate information. It seems they are trying to get double paid XXXX for right off on taxes a two for money out my pocket.

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 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
This debt for {$14000.00} is for XXXX XXXX XXXX. No date is given as to the debt. The collection agency is XXXX XXXX   XXXX, XXXX -- XXXX XXXX XXXX -- XXXX, VA XXXX. The Debt is very old as it states on the collection request : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. '' I will not pay this debt and I want all communication to cease, either by phone or mail. If it does not cease I will consider legal methods. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: IA

Complaint narrative:
Heard from this company for the very first time today on the phone. They hung up on me 4 times. They claim they sent me 2 notices that I have never received. They refused to send me anything in writing when I requested. Told me I shouldnt make my car payment, rent, or buy groceries to feed my daughter. Took 3 phone calls to get to the supervisor. Supervisor refused to allow me to speak, they also refused to tell me this was an attempt to collect a debt until after they got personal information. They have the wrong name, the wrong address, admitted to sending to wrong address, and wrong amount and wrong last date of payment on the account. They threatened to continue charging me interest and threatened to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
There were two issues that occurred with GM Financial. I have been in contact with a customer service representative on multiple occasions without being able to come to an agreement on this matter. To summarize, GM Financial arbitrarily changed the terms in my signed lease contract and increased the monthly payment more than what was agreed to, and subsequently did not notify me of the changes in payment terms. Please see below for more details. 

First, per the signed lease, I agreed to pay {$460.00} on XX/XX/XXXX, followed by 35 monthly payments of {$460.00} due by the XXXX of each month. GM Financial has been billing me over the agreed amount, {$460.00} since XX/XX/XXXX. Due to this, the balance of my account has been increasing by {$6.00} every month since XX/XX/XXXX. This is because I have been auto-paying the agreed to monthly payment of {$460.00}, while GM Financial has been charging me over the agreed to monthly payment. Please note I have not agreed to any changes in the terms. Since XX/XX/XXXX I have accumulated a {$32.00} on top of my monthly payment. This balance will continue to grow each month. Unfortunately, If I were to pay the increased payment and the back due balance, I would be put under financial stress. Additionally, this change would cost me a total of around {$160.00} more than what I expected to pay for my lease over the life of the lease. 

Second, GM Financial did not notify me that they were changing the terms or the monthly payment amount, resulting in my account balance going up due to the difference between my scheduled payments vs. the increased monthly payment. I found out about the change only when I went to update my mailing address on the customer portal ( GMFinancial.com ) on XX/XX/XXXX. Please note GM Financial changed the payment terms in XX/XX/XXXX. This has resulted in {$32.00} in underpayments according to GM Financial as of XX/XX/XXXX. Due to the arbitrary change in terms and payment amount, and the lack of communication of these changes, I would have to pay {$32.00} on top of my increased payment to balance my account. Had I not noticed that GM Financial had changed the terms until the end of the lease, I would have had to either dispute the balance or settle the account. This would have created a financial hardship. Had GM Financial notified me of the changes up front, I could have responded appropriately at that time.

Company response to consumer: Closed with explanation