vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I took out a personal loan with XXXX XXXX XXXX to build my credit. All payments from this loan were made on time. At the time of the loan, I selected the insurance that if my job was lost, payments would be made. Sometime later, I increased the amount of the loan in XXXX, KY. Again, I checked the box for insurance that if I lost my job, payments would be made. All payments were made in a timely manner. In XXXX of 2015, I was laid off. XXXX was notified and I requested that the insurance that I had taken with the loan and paid additional for, to make payments since I had lost my job, be implemented. I heard nothing from XXXX until an amount was reported on my credit report. I have disputed this many times with the credit bureaus but again receive " complies with FCRA '' within a day or so. There isn't anyway that a thorough investigation could be done. Contracts were signed and XXXX should have them on file or they were sold to another company. I may owe a portion of this debt but that would have to be determined from the contract and the insurance that was on the contract. LVNV Funding is reporting XXXX due which is an incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: WV

Complaint narrative:
I took out a personal loan with Lendmark Financial Services to build my credit. All payments from this loan were made on time. At the time of the loan, I selected the insurance that if my job was lost, payments would be made. Sometime later, I increased the amount of the loan in XXXX, KY. Again, I checked the box for insurance that if I lost my job, payments would be made. All payments were made in a timely manner. In XXXX of 2015, I was laid off. Lendmark was notified and I requested that the insurance that I had taken with the loan and paid additional for, to make payments since I had lost my job, be implemented. I heard nothing from Lendmark until an amount was reported on my credit report. I have disputed this many times with the credit bureaus but again receive " complies with FCRA '' within a day or so. There isn't anyway that a thorough investigation could be done. Contracts were signed and Lendmark should have them on file or they were sold to another company. I may owe a portion of this debt but that would have to be determined from the contract and the insurance that was on the contract. XXXX XXXX is reporting XXXX due which is an incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion, XXXX  and XXXX  allowed a debt and otherwise negative report to be placed on my credit reports even though this fraudulent account was created when I was a minor. This debt is not mine and was opened when I was a minor. I provided proof of my age and these credit reporting agencies have not removed this negative account

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 2020-09-26 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: NJ

Complaint narrative:
XXXX, XXXX  and XXXX  allowed a debt and otherwise negative report to be placed on my credit reports even though this fraudulent account was created when I was a minor. This debt is not mine and was opened when I was a minor. I provided proof of my age and these credit reporting agencies have not removed this negative account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: NJ

Complaint narrative:
XXXX, Experience and XXXX  allowed a debt and otherwise negative report to be placed on my credit reports even though this fraudulent account was created when I was a minor. This debt is not mine and was opened when I was a minor. I provided proof of my age and these credit reporting agencies have not removed this negative account

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 2020-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I have called fedloan to use my spouses student loans to lower my payment to XXXX  for the IDR I am currently in. I feel The amount that is given for a repayment plan should be XXXX. I am not sure what they used to recalculate my payment plan. My family is bigger and my from last years and my pay is almost the same. Everything is suppose to be considered in this. I want and explanation on what they used to calculate my repayment plan with the details and calculations. I had this same problem last year I had to call them to lower it to XXXX, but I am not sure why this is not happening now. I dont really like fed loan they are a very difficult company to rationalize with and they had an issue with reading paycheck stubs. This is very upsetting and annoying. I need documentation and supporting details on what is used with the calculations and how they came about the calculations. Also I never applied for deferments or forbearance I just did recertifications for my IDR. But here is what was said to be used to calculate my amount. Document provided. If anything is needed please dont hesitate to let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I have made several attempts from XX/XX/XXXX-XX/XX/XXXX with certified letters to Lanier Collection Agency and XXXX, for verification on a medical debt of {$67.00} which they say I owe. I only received a bill with very little information and was told it was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2020, I noticed a fraudulent pending charge on my PayPal Mastercard administered by Synchrony Bank for {$63.00} from XXXX XXXX XXXX. 

The card number must have been stolen since I still have the physical card. I closed the account and demanded that the charge be removed since it was fraudulent. 

Later on XX/XX/2020, the charge from XXXX XXXX XXXX was broken into two ( 2 ) transactions, one for {$19.00} and the other for {$43.00}. 

I notified Synchrony Bank that both charges were fraudulent and demanded that both be removed. 

Synchrony Bank refused to remove the {$43.00} but did remove the {$19.00} charge only after I harangued customer service. He told me he could only remove up to {$25.00} and that it would take 60 ( sixty days ) to do an investigation. 

Synchrony Bank is in violation of the Fair Credit Billing Act. Both charges should be removed immediately and no interest charged. 

I sent Synchrony Bank a letter demanding this and they have refused. 

Kindly see attached letter.

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 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I reach out to the collection Agency with proof of receipt, Proof of payment that I paid rent for three months including my last stay, and proof that the address that the forge i wasnt even staying there at the time of date, I was staying at XXXX  XXXX  paying bills they forge my name on the lease that I give yall It have the wrong move in date that I moved into apartment I was staying in another apartment before I moved there so they forge a fake lease with my name spelled wrong my kids name not even on Listed on the rental lease the sent I have XXXX kids, You can tell that is a fake lease because why would I spell name lat then go over it with Lak I should know how to spell my name,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
I believe I'm being taken advantage of - I'm paying off a debt that is not reflected on my credit report. The amount on my credit report it lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed, a dispute with Experian about XXXX reporting inaccuracy monthly amount, that was owed and Experian removed it completely. I have, now paid XXXX off completely in which that was supposed to increase my score however it went down because Experian removed it from 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 2020-09-26 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express was receiving monthly payments from my credit counseling company. After two missed payments, American Express prematurely place my account in collections without giving me enough time to reply. Placing my account in collection was for write off purposes, solely for tax benefit of the company. American Express did not follow the normal protocol when placing my account as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed, a dispute with XXXX  about XXXX reporting inaccuracy monthly amount, that was owed and XXXX  removed it completely. I have, now paid XXXX off completely in which that was supposed to increase my score however it went down because XXXX  removed it from 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 explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed, a dispute with XXXX  about XXXX reporting inaccuracy monthly amount, that was owed and XXXX  removed it completely. I have, now paid XXXX off completely in which that was supposed to increase my score however it went down because XXXX  removed it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: KY

Complaint narrative:
Ive already tried to contact the company to request an extension, which I know I am privy to in my state of Kentucky, I also know this company is not following laws per my state of Kentucky. 
I contacted them again today, but I have no faith that they will heed and follow my request, especially considering theyre not following the laws in my state, and their interest rate is astronomical and unreasonable. 
I am now asking to cease automatic payments with them, especially as theyre now starting to cause me NSF fees with my bank unless theyre willing to come up with a reasonable payment plan. 
Though as Ive contacted them previously, I have no faith that they will work with me. 
They prey on people like me that feel we have no other choice but to deal with their fraudulent ways.

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 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: MO

Complaint narrative:
Phoenix Financial Servic has placed a collections account on my credit reports for a balance of {$1300.00} as collection/chargeoff for an original lender XXXX XXXX XXXX XXXX it appears to be a medical debt and I have no idea about the specifics of this account and they have not provided me with any specific information re ACCOUNT TYPE,, and the only thing I can think it might be is a trip to an emergency room where after waiting for several hours, I LEFT .... so if that is the case I got no services from either phoenix or XXXX, but I only have information from my CBR 's can not request a VOD nor can I dispute this and they are doing damage to 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 2020-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CUSTOMERS BANCORP, INC
State: FL

Complaint narrative:
I had a whole bunch of bank accounts and credit cards open under my name that I did not have any access to. A mortgage, a auto loan. school loans as well as government money taken from me. They then Put bankruptcy on my credit report. I know who it was I just need to take the steps to do it.

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 2020-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Merchant and Medical submitted a collection of {$1200.00} stating I owe o debt to XXXX XXXX XXXX  as of XX/XX/XXXX. The information is not valid. The communication with the creditor is not effective I've filed disputes with Experian requesting Validation of proof this debt belongs to me and have not obtained it. This is a fraudulent account that does not belong to me and Experian is not verifying accurate information nor providing me with proof that I owe the debt as it will be impossible because it does not belong to me. I've made efforts to contact Experian on the phone as I can not dispute the collection online anymore and the high call volume proves unsuccessful. I removed a fraud alert from my reports as it was complex applying for credit. Since this poorly investigated collection I've added it back. As I've been a victim of identity theft by my half- sister and its verified with police reports dating back to XXXX. This account with Merchant Medical nor XXXX XXXX belongs to me and has not been properly verified furthermore XX/XX/XXXX when the account opened I lived in XXXX, GA drivers license nor utilities have reflected a Michigan address since XXXX and it was of XXXX XXXX, XXXX, MI. I have not lived nor granted permission for anyone to at XXXX XXXX. Original lease contract and identification provided for the application, and proof of utilities, employment information as all of this is required when leasing and needs to be provided as proof this apartment was actually leased and occupied to me. Since XX/XX/XXXX I've served as a legal court ordered guardian to 5 children and we have never lived at a XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
This is the eight ( 8th ) time I have submitted the exact same question. I have not received a competent response. I have even been told that my request is a duplicate. IT IS NOT. 

ISSUE : Whether XXXX XXXX XXXX XXXX XXXX XXXX ( ERS ) a 501 ( c ) ( 6 ) non-profit qualifies under Public Service Loan Forgiveness ( PSLF )? 

ERS is a 501 ( c ) ( 6 ) not a 501 ( c ) ( 3 ) non-profit. All the responses have ignored that simple fact. 

It was previously determined that ERS provides " public safety ''. One response stated that it was not it's " primary purpose ''. In light of COVID ERS been determined to be an " essential service ''. Public Safety is the essence of ERS. 

I have filed a Freedom of Information Act request revealed that no list exists for what 501 ( c ) ( 6 ) employers qualify. See attached.

Every response does not address the issue of WHAT IS THE STANDARD. I have been told to get ERS to complete the PSLF form but it only lists 501 ( c ) ( 3 ) status as a qualifier. The 10th anniversary for PSLF was XXXX and it has been a disaster. No one will make establish a standard that can be applied. 



Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN.GOV XX/XX/XXXX Closed Marked as a duplicate complaint on XX/XX/XXXX XXXX XXXX XXXX Federal student loan Struggling to repay your loan FedLoan.gov XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan Fed Loan XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Dealing with your lender or servicer FEDLOAN SERVICING XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Company responded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed several accounts i did not authorize also i have been a victim of id theft and these companies continue to violate section 15 us 1692 of fdcpa.

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 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
The previous complaint was closed and is being re-opened. This is not a duplicate of an existing complaint as this is related to activity that happened after an earlier complaint. Stop closing valid complaints. 

Global Payments Check Services LLC is acting under malicious intent for deliberately burying certain clauses in the " Terms and Conditions '' on the PA XXXX 's website. I'm suspicious of their company due to various incidents which have taken place in the last month. After 1 transaction was returned due to insufficient funds, the company attempted to take the {$40.00} Principal that was owed and also the {$30.00} fee they charged, both which were successful on a second attempt. However, on XX/XX/2020, I received a letter in the mail from the company alleging that I owed {$70.00}. I called the company and a representative claimed that it's their policy to auto send a letter after a payment is returned once. Yet, they have every intention of resubmitting it a second time. The reason for the " letter '' is because and I quote " We don't know if it will clear a second time. '' The company consistently deflects any responsibility for 1 ) Wasting paper because of what they call a policy, and 2 ) Maintaining Consumer Data in their own database to which was not explicitly made clear other than vague references  throughout the Terms and Conditions. In addition to this, the Terms and Conditions are written in a way to confuse people. I'm also concerned because this company has been caught red handed in the past, just around a year ago. The supervisor I spoke to on the phone also made some alarming claims. He had claimed that " any company can be breached with data. '' He had made this statement as if this will happen on a regular basis. Even more concerning, is that every time I would bring the " Data '' concerns up, they would claim that I agreed to it in the Terms and Conditions, and that they wrote the Terms and Conditions, yet, it's the " Site 's fault '' for consumers being misled into thinking the information is only within their limitations. See the details here : XXXX XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation