vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro collect have called me numerous amounts of times even after i have asked them to not contact me.The calls are harassing and I wish they do not contact 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 2018-10-09 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates has been repeatedly violating the FCRA by reporting as a " Factoring Company '' on consumer reports when they are in fact a " Debt Buyer. '' On my XXXX report, pulled on XX/XX/2018, PRA is reporting as a " Factoring Company. '' I first noticed the account type being reported on my report after looking through posts online at XXXX. There are numerous people reporting this same issue. PRA is a predatory company with no regard for the law as there are reports of them removing accounts from others reports but still reporting as a " Factoring Company '' on others. How many times does a consumer have to bring this to the attention of CFPB before any action is taken? They have clearly lied about violating the FCRA after proof was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
I had a late fee which carried over to the next month, despite the loan amount being paid. My credit report now shows not only the late fee as non-payment for the loan, but the entire loan amount shows on my report as delinquent. 

I am in the middle of buying a home. This one action has had a detrimental impact on my ability to provide a home for my family. 

This company is NOT a pay day loan lender.

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 2018-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management
State: KS

Complaint narrative:
Caller has called my Wife and given her information about the debt. He did not ask who she was, but he offered the information without verifying who she was. He has been abusive to my wife and she does not want to talk to him again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I applied in XX/XX/2018 with Caliber Home Loans for my second mortgage. I paid the 3 payments and sent back the permanent paperwork to them. They never permanently modified my loan, and required for me to reapply, which I did.-I was approved again, and made the three trial payments and once again returned my modification agreement. 
I received my second mortgage bill which prompted me to call Caliber Home Loans. I asked WHY I was receiving this bill if I was permanently modified. The answer to my question was that I did not return my first loan modification paperwork.

I never applied for a first loan mortgage modification with Caliber, nor do I need one. I do not think they know what they are doing. I have worked with them previously in the past, and I was NEVER required to modify both loans at the same time. 

Unfortunately, it is excuse after excuse with this company. I was now told to call Friday if they are going to accept this modification without REMODIFYING my first mortgage that I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I ordered & paid for a black Jersey with Red numbering on XX/XX/XXXX from XXXX I asked for a status update on my order on XX/XX/XXXX ( order XXXX ) I received the Jersey on XX/XX/XXXX, it was gray with military print numbers, it did not look anything like the jersey in the order I contacted the seller, after providing pictures of the wrong jersey, i received an email say they are sorry for the inconvenience, told me shipping is expensive, and offered me a discount on a future order. 
After emailing the seller did not result in a return label, or anything other then a apology for the inconvenience, i tried to dispute the transaction. 
{$53.00} for the item & shipping, {$1.00} foreign transaction fee I tried to dispute the charges after i looked up the company online, and the email that i'm getting replies from shows pages of other people that were scammed by this company. XXXX SCAM They have since taken down the website i used to order the jersey, but there are countless others. 
Citi card ( 2 % cash back card ) stated since i'm still in possession of the jersey, they will not honor the dispute. I have explained to them several times that the seller is no giving me an option to return the item. 
I'm hard pressed calling it a dispute it is fraud, since all the complaints are the same, order one thing, get something else, don't offer any meaningful way to return the item and the credit card company refuses to honor the dispute.

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 2018-10-09 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: Nelnet, Inc.
State: NY

Complaint narrative:
This is my second time reaching out reguarding my NELNET student loan accounts. I know it has only been a few weeks with my original complaint being XX/XX/27 but I have not yet heard from NELNET and my credit score is suffering greatly. My original complaint addressed my concerns of falsely reported late payment for my student loans purchased by NELNET from XXXX XXXX XXXX XXXX XXXX. In the past few weeks I have done extensive research on the map and it appears that this is a frequent problem with many others thats mearly took out student loans to better their future and in turn actually hindered it. I am reaching out again in hopes of a resolution to get the innacurate late payments from XXXX removed from all three credit bureaus. I appreciate your time assisting me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: IA

Complaint narrative:
I have a collection account for {$30.00} appearing on my Equifax credit report, but no other credit report. I believe it is a debt I paid a long time ago, but the Equifax report does not have enough information to accurately identify the creditor and account. I disputed this with Equifax, but their online system will not allow me to see the results of the dispute. 

The amount is negligible. I would pay it again just to clear the credit report, even though I don't owe it. But Equifax does not even provide enough information for me to be able to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A dispute was filed on XX/XX/2018 with Experian ( XXXX ), XXXX XXXX, XXXX TX XXXX, that I did not receive a response to in the 30 day time frame. They were requested to remove the Item on XX/XX/2018. This letter was sent certified and signed by one of their employees. Based on the FRCA laws they have broken this law several times and continue to do so. They have not removed this item and it remains on my credit report. They have lied to me telling me that they verified items that are reporting on the credit report. They have also not provided any proof pertaining to this account that this information is valid and true. After my own investigation to the agency that has been reporting this item to my credit report. I was informed that they are not able to report or speak with the credit bureau on my behalf based upon the status that I currently have with them. I was informed that the credit bureau must have myself on the phone or have a letter directing the lender to submit such information to them which I have not give the credit bureau or completed with the credit bureau. I am hear by demanding that this item be removed from my credit report since they do not want to take the appropriate steps in correcting the accuracy of the report and contacting the reporting agency.

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 2018-10-09 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I purchased 3 items online at XXXX and used a combination of gift cards, my XXXX XXXX   credit card and XXXX XXXX credit card rewards certificate to pay for them. 

I returned 1 of the 3 items and XXXX XXXX has not refunded me for the purchase price. My XXXX XXXX order number XXXX. 

SKU : XXXX QTY 2 @ {$230.00} each ( Returned 1, kept 1 ) SKU : XXXX QTY 1 @ {$150.00} each ( Kept 1 ) They owe me a refund for {$230.00} for the return but have only refunded me {$130.00}. I filed a dispute with XXXX XXXX ( The XXXX  credit card bank ) and they have denied my claim. 

Now they say I still owe them {$100.00} but they owe me {$96.00}. The finance charge of {$4.00} should be refunded as well because I paid the full balance of the products that I kept. 

It has taken over a dozen phone calls to XXXX XXXX customer service and XXXX  customer service to just get the {$130.00} returned. Originally, they only returned {$50.00} to me. 

This seems like fraud to me and is a shame that this whole ordeal happened as I did not want to order 2 of them in the first place. Shortly after I ordered it online I called and tried to change the order and they said they could not and I had to send back to get a refund. This is the worst experience I have ever had with a retail store.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
We made a mobile deposit of {$2000.00} from XXXX XXXX to Bank of America on XX/XX/2018. Previous the hold was placed on the account until XX/XX/2018 for funds to be released. I spoke to Bank of America on on XX/XX/2018 because we received an alert advise of our account negative $ XXXX. I called Bank of America to verify was there an issue with the deposit and was advised the funds will be released on XX/XX/2018 due to XX/XX/2018 was on Saturday no funds will be released and XX/XX/2018 was a Holiday. As of XX/XX/2018 no funds released and no funds will be released until XX/XX/2018 due to the check needed to be validated extensively before the funds to be released to protect the bank and the customer. I was advised the next time for XXXX XXXX to issue an electronic payment through direct deposit because of the substantial amount of {$2000.00} but we have no way of telling XXXX XXXX  how to send the funds. This is unacceptable I am the customer and I pay monthly on the XXXX Policy through my job as a right I need further explanation what is the real issue at hand.

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 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Good day, This makes my 2nd complaint with you all against Portfolio Recovery. I've reached out to them on several occasions and no success. I've repeatedly asked them to provide me with a signed contract by me to validate business between me and themselves or a signed contract by me to validate the subject debt/account. To date, I've only received an explanation from them on how they acquired the account along with a billing statement which VALIDATES nothing. Again I point out to you that I also checked my states licensing site and see that you are currently licensed until XX/XX/XXXX which was effective as of XX/XX/XXXX however I see that my credit file was updated prior to XXXX ( XX/XX/XXXX ). Attached you'll find my initial complaint ref #, my comments, their response which I assume was accepted by yourselves as you closed out the complaint and again my response to that. After that was closed I received yet another letter from them stating they've requested additional information which I've not provided and I won't as I do not have any additional information to give. Also, I did also contact XXXX XXXX directly ( as I'm a current customer of theirs ) for assistance as the subject at hand is listed as one of their accounts but they advised this wasn't something they could help with. As I seem to have no luck I'm again filing my complaint with you and will also file with the Federal Trade Commission, the XXXX  and the Florida Attorney General. 

Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Im receiving repeated calls back to back regarding a payment that I promised to make next pay period. Theyve called multiple times in the same hour.

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 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was previously deleted from my credit report, However it was never actually removed. The account is still appearing on my reports as a negative item.

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 2018-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Transunion on several occasions Asking for these address to be removed and nothing has happened i have spoken to managers and supervisors and still no one has fixed this issue. i called in XXXX, XXXX, XXXX, XX/XX/2018 the address is still being reported

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 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We are a family owned small buisiness. We have worked with Bank United since XXXX. We currently have a line of credit for $ XXXX and a term loan with a balance of $ XXXX. The original amout of the term loan was $ XXXX. 

On or about XXXX, we attempted to re-finance the loan and extent the line of credit. The local Bank manager helped us with the application and we provided all the paperwork requested by the Bank. The officer in charge of the final approval XXXX XXXX, disapproved the rquest. According to Mrs. XXXX, debt to income ration was too high. However, acording to the local Branch manager, our numbers were very close to their lending threshold. Subsequently, we began to make larger payments to all our current obligations and we were able to reduced the debt to $ XXXX less. In addition since XX/XX/XXXX, our business income as average XXXX a month. Our credit is excellent and we have never been late or missed any payments. Once again we approched Bank United with a debt consolidation request. This time with a new Branch manager XXXX XXXX and the same Bank Vice-President XXXX XXXX. Once again the request was rejected this time for lack of cash flow. I belived that we have been treated unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
I received a payday loan through XXXXXXXX XXXX an online payday lender. My family and are going through a hardship we have been paying the company. Although, through Hurricane Florence we have fallen behind. the company explained to us that there is an intrest rate daily occurring on the loan. Once reviewing the loan application the intrest rate on this loan is 792.82 % which is outrageous. Can you please help .... We are willing to pay back so the XXXX we borrowed and an extra XXXX but on a XXXX loan the pay back amount is 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 2018-10-09 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: Auto Properties II, LLC
State: MD

Complaint narrative:
This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the Fair Reporting Credit Act. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all 3 Credit Bureau 's . They Did nothing as well.

I hope this get this problem solved thank you

Company response to consumer: Untimely response
Consumer complaint received 2018-10-09 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
After checking my credit report back in XXXX, and receiving a phone call from XXXX XXXX, XXXX, - I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX, XXXX - I am not liable for the collection of the debt from XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. They have called and harassed me about this debt day and night. This has hurt me severely in regards to obtaining credit. XXXX XXXX, XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.

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