vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: LA

Complaint narrative:
I have asked this company several times to show proof of the amount they claim I owe. All they keep sending is a Sales Order and a Consumer Lease Agreement. They will not provide an itemized statement showing payments made, etc. to show how they came to the outrageous amount they are claiming that I owe. This account should not have the {$2000.00} plus balance they are claiming that I owe. I have asked for proof of payments from them and the original creditor. Neither have provided the information and the collections remains on my credit report and is negatively impacting my attempt to purchase a home. I want this account removed from my credit reports and I want a detailed itemization of this account. This account should be paid or close to paid. I do not owe the amount they allege.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
Summary of complaint : XXXX XXXX XXXX XXXX ( lender ) has demonstrated opaque, unfair, and unethical policies towards international student loan borrowers by denying them the right to seek refinancing of their loans and refusing the release of co-borrowers. 

Description : 1 ) I have an international student loan under repayment from the lender ( taken in 2011 ). Even though I am not in the US, I have been making regular payments towards the loan and have never defaulted. 

2 ) Over the past 2 years, though there has been a significant reduction in the student loan interest rates, the lender is still charging me 5.5 % APR. In spite of making multiple requests to the lender to refinance my loan at the reduced interest rates, I am being denied the right to do so. 

3 ) The lender claims that they can not refinance international student loans where borrowers do not meet the requirements of a current US address. However, they seemed it perfectly ok to grant me the original loan in 2011 even though I did not have a US address at that time. This opaqueness of policy and loan terms is grossly unfair and unethical towards international student loan borrowers. 

4 ) As a result of the lender 's refusal to refinance my loan, I am having to bear an additional interest burden of over {$30000.00}. In my view, this practice of denying refinancing to international student loan borrowers is extremely unfair and in gross violation of consumer protection rights. 

5 ) As an international student loan borrower, the lender has also refused my request for the release of my co-borrower without giving any proper reason or justification. 

6 ) Over the past 2 years, I have made multiple phone calls and written multiple times to the lender escalating the above issues and request resolution. However, they have flatly refused to honor my request, citing opaque policy reasons. 

7 ) The lender has also cited that provisions and terms mentioned in the loan promissory note prohibit them from refinancing the loan to international borrowers. However, this is blatantly false as there are no such terms mentioned in the promissory note. 

8 ) I thus wish to bring the above unfair and unethical practices of the lender to the attention of CFPB for redressal and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems constantly contact me about a debt that I have no knowledge of. I want them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/21 I received a call from XXXX stating she was a compliance officer and was sending someone to my work place to make contact with me and take me in for a court proceeding. She couldnt provide me any information pertains to her office name, address, location, etc. she gave me another phone # XXXX and reference # XXXX. She then called my work and told my operational manager I was rude to her because I was asking for her company information. I then called the # and gave them the reference # and spoke with XXXX and XXXX XXXX both were not able to give me any company information other than the company name of Assurance and that it was for a debt with Ace Cash Express. I asked who do I pay. They told me at this point they dont want my money they are coming after me. But they still wouldnt provide me any information as to what kind of case, case #. They told my operational manager they were coming to apprehend me and couldnt provide her with much information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: CHECK INTO CASH INC.
State: VA

Complaint narrative:
I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: VA

Complaint narrative:
i have this negative remark in my credit report, by XXXX XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX  XXXX XXXX, ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone please help 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 2021-10-05 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: National Recovery Solutions, LLC
State: MD

Complaint narrative:
I started receiving calls from an aggressive debt collector from the phone number XXXX on XX/XX/XXXX

The " XXXX XXXX '' who called and kept leaving messages stated they were looking for a XXXX XXXX. 

I do not know this person, nor anyone with a name close to that, and have owned the phone number that they called me on for over 15 years. 

" XXXX XXXX '' kept calling me every few days, leaving the same hostile messages. Dates these messages were received included XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX 

On XX/XX/XXXX, I called " XXXX XXXX '' and informed him that no one of the name he was looking for could be reached at the number he dialed. He got irate, and accused me of lying. 

I then asked for the company name and address to send an official letter asking them to cease and desist contacting me. 

I was then told that " XXXX XXXX XXXX '' ( the name used in the precall recording identifying the call as a debt collector ) was not the company he represented and he refused to provide the information that I requested and hung up. 

I called back XXXX each time being hung up on as soon as the call was answered. On the third time, an irate XXXX XXXX answered again, asking in an aggressive manner what I wanted using demeaning/offensive nicknames based on my given name. 
I told him to stop referring to me by those names and to remove my number from his call list. 
He told me that had already been done, and I asked for confirmation of that. He refused and hung up on me again. 

I subsequently called " XXXX XXXXXXXX XXXX  '' at XXXX, and after explaining what happened, was told that the debt I had been harassed about was in their " XXXX, Washington '' office. The person on the phone was not able to give me any more information as they were locked out of that system. 

The customer representative gave me the phone number of that office to followup ( XXXX ). I have called and left a message, and have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: SC

Complaint narrative:
I have been sending in disputes since XXXX of 2021. I still have not received any results. Every time it is verified. The information they are reporting is not correct.

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 2021-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
This complaint is a follow up on OMB # XXXX. I now notice a letter that was sent by First Horizon to XXXX XXXX XXXX ... which is not valid and has been part of my issue with identity theft. I do mot have a po box nor access to any. The borrower and the guarantor are two different names but bank states they are same person. I requested a copy of report the bank used to pull my credit and they would not provide. I contacted XXXX to obtain information on alias used. XXXX has no record of false name on any of their reports provided. 
The bank had a copy of my drivers lis envelope but names dont match. The bank had no identification on record on primary borrower who wrote a {$240000.00} to himself very shortly after the {$250000.00} HELOC originated. Importantly, the collateral used to secure the loan was an empty lot. I never received information because primary borrower changed address information. 
The bank letter indicated a XXXX branch which is also incorrect. There is no XXXX branch in Louisiana to the best of my knowledge. I am most concerned about the false information on the application. Had the bank done due diligence and noted the obvious red flags associated with address changes and large transaction this could have been avoided. I am presently in a drawn out legal dispute resulting from both their actions and inaction. A prenuptial agreement was on file with the court which clearly stated a separate property regime. The HELOC presents as if three parties were involved. Only one state issued identification is noted. When I met with one witness stated on the loan documents, she initially stated that she did not recognize me and did not believe we had ever met before. That individual shortly after changed her mind. However she no longer works for the bank. Lastly, a {$240000.00} counter check transferred the money out of a joint checking account within days of the loan approval. I am now faced with a court order to sell the home at a price that I am forced to accept. The actions of the bank have cost me at least {$170000.00} in stolen equity as well as over {$40000.00} in litigation fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I got an Avant credit card. I sent them a payment on time. Despite that fact they seemed to take an extra long time to apply the payment. In that time they charged me a late fee. 

Two months later, I sent them a payment by the deadline on XX/XX/XXXX. I made the payment electronically through my bank. It was sent to them on XX/XX/XXXX. 

Despite that they did not apply a payment to my account, and my account is now listed as over the limit ( which affects my XXXXredit score ). 

I contacted them twice by phone, and they asked me to email proof ( although they have internal records of when they received the electronic payment ). I emailed the proof ( screenshots ), then they replied by saying I have to call them to submit the proof. 

It seems as if they're deliberately holding the payments PAST the due date, then charging their customers late fees and over the limit fees. When a customer contacts them about the issue, they just give them the 'run around ', hoping the customer will just get frustrated and give up and they can keep their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: VA

Complaint narrative:
I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.

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 2021-10-05 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: VA

Complaint narrative:
I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.

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 2021-10-05 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: NC

Complaint narrative:
This complaint is against XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased furniture from Ashley Furniture and they opened 2 cards in my name. Each one had a credit limit of {$8300.00}. When I looked at the charges on line I noticed they over charged one of the cards {$11000.00}, which makes my card over the limit and shows I have - {$2600.00} available credit. On the other card they originally charged me {$3400.00}. They also had a charge pending of {$6400.00}. My total charge for my furniture was {$14000.00}. I called the sales person several times and she basically told me that it is in the hands of the store now and not to bother her anymore and even hung up on my one time. I have been on hold with the customer service who tells me I have to talk to the store directly. I have sat on hold several times for many hours. One time it was for around 4 hours and sometimes they just don't answer there phones, so the only department you can talk to is customer service. I have been told several times after I talked to someone that they are working on it and give it 72 hours. Nothing changed so I physically went to the store and spent 2 hours discussing this. When I got to the store they said this is the first they heard about this, so obviously they were just blowing me off. 
They acted like they were going to fix it. They are supposed to remove the {$6400.00} that was pending so I would have enough credit to move XXXX to the other card and then they would credit the card that was over the limit the {$3000.00} and it would take up to 72 hours. That was XX/XX/21 and now they have removed the {$6400.00} pending and added charges on XX/XX/21 which are pending of {$3000.00} and {$3000.00} so I am back in the same boat. I have been on the phone with them again and still no resolution. I am trying to refinance my house and this is damaging my credit. I don't know what to do. How to resolve this issue. I have been trying to resolve this since XX/XX/21. I am on hold with them right now trying to resolve the issue and have been on hold for over an hour so far.

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