vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My identity was stolen and someone opened accounts and charge accounts under my middle name. I have contacted everyone and they closed the account except for this company. I have emailed, wrote, and spoke to everyone on the phone and they still will not remove this from my report or harass me. They even acknowledged that I made them aware of the fraudulent account and accidentally let them charge on the account. They continue to write emails stating this is a good account continue to keep it 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 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
After several years of not monitoring my credit reports, I finally requested a copy of my XXXX, XXXX and XXXX XXXX credit reports in XX/XX/2019. I continued to monitor them, and on XX/XX/2019, I noticed Sequium Asset Solutions/XXXX XXXX, noted on my credit report as a collection. I originally ordered the service because XXXX XXXX talked me out of a streaming service and agreed to provide me with 1 ) XXXX XXXX cable TV, 2 ) 100MB internet, and 3 ) cell phone service through XXXX  for a total of $ XXXX/month. XXXX XXXX only provided me with cable TV. I did not receive the 100 MB internet or cell phone service as was agreed upon and contracted for. I called XXXX XXXX on multiple occasions with no return call received from the problems department. Of course, I cancelled my service because XXXX XXXX reneged on their end of the agreement. I never received a written notification from either company stating that I owed a debt or with intent to collect a debt. 

On XXXX.2019, I wrote Sequium Asset Solution/XXXX XXXX, with a request for them to validate the debt and sent it via certified mail, as is in my rights under the Fair Debt Collection Practices Act. I did not receive return communication from Sequium Asset Solutions/XXXX XXXX. The validate debt letter was sent via USPS certified mail with tracking number # XXXX and was delivered and left with individual at Sequium Asset Solutions/XXXX XXXX on XXXX.2019 @ XXXX per USPS records. I  have not received any communication from Sequium Asset Solutions/XXXX XXXX to date. 

I would like Sequium Asset Solutions/XXXX XXXX collection account to be removed from my XXXX, XXXX and XXXX XXXX credit reports. Thank you for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: NJ

Complaint narrative:
XXXX XXXX XXXX collection agency has been calling multiple times a day harassing me for a supposed debt I owed to an imaging center in XX/XX/2013. I have explained to them that I am willing to settle my debt if they would send me paperwork to my address, containing the amount they would settle for to get this removed from my credit report. They refuse to send me a bill and are asking for my credit card information over the phone without any paperwork to confirm that I have indeed paid and that this will get taken off my credit report. They are extremely aggressive on the phone and filled up my entire voice mail box. The screenshots are provided in this complaint with all the recent dates, the collection agency 's number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: CT

Complaint narrative:
XX/XX/2019, I called Experian ( Spoke with XXXXn ) asking for my name and address to be corrected on the report because my report shows 7 different names. XXXX told me no she will not correct my name in the system because I can have different variations of my name. I asked to be transferred to a supervisor, after waiting another 20mins on the line someone named XXXX picked up the phone and asked for a report number, I told her I didn't have one, she proceeded to tell me she couldn't help me without one. I asked why? She said because I needed to be specific about my needs. I told her I was looking at my report so I am not sure why I needed a report number when I can clearly see what's on my online report ( which don't offer report numbers ). She then disregarded my questions and started on my report. I told her what I wanted removed and she told me that she'll remove some things but she will not remove everything. I told her I will have her reported along with XXXX.I  would like my name and address corrected immediately.

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 2019-08-09 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: ID

Complaint narrative:
I am getting an inaccurate count on the number of qualifying payments that go toward Public Service Loan Forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied for a loan modification. I submitted the paperwork and they received it on XX/XX/XXXX. On XX/XX/XXXX I got my first packet ( dated XX/XX/XXXX ) in the mail requesting more documentation. I called the company to explain it would take time for me to get these further documents because of my divorce and current restraining order against my husband ( becasue of XXXX XXXX  ). They told me the foreclosure was on hold once the application was received and to just get the additional paperwork in as soon as possible. On XX/XX/XXXX I mailed more documents out, due to arrive XXXX. On XX/XX/XXXX I received my second packet ( dated XX/XX/XXXX ) in the mail requesting more documents. On XX/XX/XXXX received an email asking for further documents. I emailed all the documents I could get on XX/XX/XXXX out. That same day I got a call from my fathers wife ( who live XXXX minutes away ) alerting me to foreclosure paperwork ( dated XX/XX/XXXX ) that was left at their house for me. This is duel tracking as I was told foreclosure was on hold when the application arrived, yet the foreclosure was still pushed through.

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
about 2 years ago i paid midland funding LLC in the amount of XXXXXXXX   dollars. this was for a card with XXXX  XXXX XXXX. i notice today XX/XX/2019. this amount is still on my account. i called midland funding LLC about it they said that i didnt pay it. then the guy hung up on me. I then called XXXX XXXX XXXX about it. after looking deep in my account he seen that i did pay XXXX dollars a to midland around 2 years ago. he said he could not how ever help me out i would need to file a dispute. against Midland funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Profit Services Group
State: GA

Complaint narrative:
For the past year, Profit Services Group has been calling at least 3 times a day to harass me for a debt that belongs to someone else. 

When I told them, they called me a liar, hung up the phone and proceeded to continue harassing me. I have asked 6 times to have my number removed and each time I have been hung up on. 

The latest call I received was from " XXXX '' who claimed she was a manager said she didnt care about being reported or their XXXX  rating. 

I have no idea how to stop this but I need help desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I got a secured credit card from Capital One and was promised they report it to the credit bureau and it's not even showing a new account on my credit so wondering why it's not showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I was checking my credit report and saw this company LVNV FUNDING LLC as an account on my credit report I have no idea who these people are they just appeared and it looks like they have been on my credit report for over a year if they are a debt collector they had to open a new account in witch I never gave them authorization to do so they did this without an a agreement or signature from me this is identity theft. And this is why I am filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had a XXXX XXXX account reporting on my Equifax, XXXX  and XXXX   for a while now as a charge off status, XXXX  has reported it in XXXX and starting XX/XX/XXXX and has not updated since then, Equifax has been reporting but has not been showing in payment history, XXXX last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Since I took the loan up to date Total interest paid=XXXX $ and only XXXX $ toward principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: ME

Complaint narrative:
Equifax is stonewalling consumers attempting to place a credit freeze.The other 2 allow a freeze to be placed online virtually hassle-free. Equifax delayed for a week to send a verification code by 1st class mail. They then still demanded a phone call. I refuse to waste my limited minutes and incur an additional expense. I've had problems with this awful co. in the past. They illegally placed a bogus claim on my wife 's report, and it took the threat of a lawsuit to get it removed. I wonder if that's why they're giving me such a hard time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
XX/XX/XXXX Carrington Mortage and myself came to an agreement on how much I owed as to late payment of my loan. 
I agreed to pay alot of money for 2 months of XXXX XXXX dollars to get me current. 
I to this day I am still being charged 3rd party charges even stated today when I paid extra the representative said I could still have 3rd party charges next month even though I have been current for months. 
My payment for XXXX was XXXX Last month was same My payment should be XXXX I only make XXXX every 2 weeks I have told them this every month Including when I started paying what I owed the first 2 months were XXXX Was very hard to maintain with what I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened my Capital One account in XXXX of last year and since that time, have not made one late payment ; in fact, I have always paid early, and always paid well over the minimum payment amount due. I was shocked to see that after my most recent payment of {XXXX} which was well before the due date ... that my credit score had a significant drop, noting that that Capital One had closed my account. I called Capital One believing there must be an error, and was notified that it was due to return payments. These payments were a result of me using the Capital One App for payments and unfortunately, I switched bank accounts and inadvertently had a wrong number for my new bank account. When I saw the payment was not accepted, I thought perhaps it was the fault of the new bank, so I tried again, immediately, but it was again rejected. After calling my bank to determine it was not them rejecting, I double checked and realized I input the wrong bank account number in payment app & immediately fixed it. My payment cleared ; again before the due date and well above minimum payment amount. The App does not let me delete that incorrect bank info that I could tell, and this past month, I didn't catch that it defaulted to the one that was entered incorrectly, and slid the indicator to pay from what I assumed was the proper and most recently used bank account. As soon as I saw that the payment was rejected, I realized that the App defaulted to the incorrect bank account information and I resubmitted payment ; still well before the payment due date. I explained this to 5 people including 2 supervisors ; requested they reconsider the closure of the card, noting that they can review and see that this is exactly what happened and there's no dispute that I always pay early and above the amount. They indicated that these inadvertent bank issues resulted in me having 5 violations and thus, there is nothing they can do and I would have to reapply for credit. But I can not reapply for credit because their actions resulted in my credit score dropping significantly. They've harmed my livelihood and ability to get credit going forward all due to their closure for a short period of app issues, despite my stellar payments. I feel this closure is not in good faith and a review of my Card Agreement does not indicate that there closure of my account was justified. I do not believe a person that pays 100 % early and more than necessary is in violation of the Card Agreement, nor should they suffer the penalty of having my livelihood and ability to get credit going forward impacted. Add to it that my data was among those impacted by their breach, so they've caused harm to me in two manners.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: MN

Complaint narrative:
Registered for " pave the wage '' promotion with MoneyLion and XXXX XXXX XXXX. Met all requirements ie opted in, deposits, direct deposits from employer, and all other requirements. {$590.00} is due for this promotion. Money has not yet been deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: NC

Complaint narrative:
Equifax notified me that they had checked into my complaint that a credit collection appeared in my Equifax report that was not mine. They found that it was mine after reinvestigating. The collection amount is XXXX. 

The collection was from XXXX  XXXX XXXX  now know as XXXX XXXX XXXX in XXXX, Florida. I live in XXXX, NC and have not been to this part of Florida in 25 years. The bill up for collection was for a XXXX XXXX born in XXXX. I was born in XXXX. I have never seen the XXXX Hospital or Dr. XXXX or the XXXX XXXX XXXX.. I found a number for XXXX XXXX XXXX online, they gave me the number for XXXX XXXX XXXX who does billing for XXXX XXXX XXXX  XXXX. 

I found out all of the above in less than 15 minutes on the phone. Equifax did not reinvestigate anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XXXX, a person using the name XXXX XXXX claimed to be selling XXXX XXXX tickets. She asked me to send {$XXXX} through Paypal Friends and Family.  The paypal name of this person was XXXX XXXX and email was XXXX. I then realized it was a scam and asked her to refund the money. She claimed to have done it, but did not. She eventually admitted it was a scam and I did not receive tickets through email. 
I filed a claim through Paypal 's Resolution Center ; they closed it and will not reverse the payment. The payment is still processing through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: AES/PHEAA
State: WI

Complaint narrative:
Auto-withdrew XXXX  from my bank account on XX/XX/2019 which is not the amount that I consented to when I signed up for automatic payments. I normally pay {$XXXX}. That is 720 % more than I have predictably paid. Called on XX/XX/2019 to explain the situation and asked for help. Was told any refund would take 60 days to process - this is totally unacceptable. I had submitted information to continue my income based repayment. Now I am severely overdrafted with my bank and racked up {XXXX of fees. 

They sent me a notice telling me to update my income based repayment on XX/XX/2019. I immediately completed it. It seems totally unreasonable to send me this notice and hike up my payment coming due 5 days later when they do not process these income driven repayment plans take 30+ days to process on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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 recently contacted Experian and spoke with a manager named XXXX and a team member of his named XXXX. He said they were part of the XXXX team. 

XXXX and XXXX informed me that it is my problem to to send valid proof to the creditor and furnisher about information that they provided to them. I thought that the credit reporting agency is supposed to verify the accuracy of anything that is being sent to them before they publish it on a consumer 's report. 

They stated that is the law but it doesn't work like that. So basically they were saying to me that anyone can add something to my credit file and it is up to me to send valid proof whether or not that information is correct but the creditor or furnisher doesn't have to send anything. That makes no sense is my reply to them. 

This is my third dispute with them and I keep getting the runaround and they are ignoring or disregarding the information I provided to them. It shows clearly that they are in violation of the FCRA regulations and they still will not remove the inaccuricies they are reporting. There are other multiple violations as well on my 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 non-monetary relief
Consumer complaint received 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have had a XXXX XXXX account reporting on my XXXX, XXXX   and Transunion for a while now as a charge off status, XXXX has reported it in XX/XX/XXXX-XX/XX/XXXX and starting XX/XX/XXXX and has not updated since then, XXXX has been reporting but has not been showing in payment history, Transunion last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

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