vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
During XX/XX/XXXX I was involved in auto accident and admitted to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ from roughly XXXX XXXX. I only spent that morning in the hospital before being released later on that afternoon. I had came to the ER department as instructed by the physician for 3 more checkups following that day. As I reported the incident to my auto insurance company XXXX XXXX during that Thursday, my PIP coverage was fully able to cover my hospital expenses. Within the timeframe of the year, XXXX Billing Department sent this so called outstanding bill to debt collectors. Even while they got paid as stated by a billing specialist. This fabricated unpaid debt has affected my credit score with delinquencies reported monthly during the year of XXXX til now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
We refinanced our home and XXXX XXXX XXXX became our mortgage company. I made a payment to them on XX/XX/2020. I them received notice that Mr. Cooper was our new mortgage company. I started receiving emails and phone calls that my payment was never received! I made the payment to XXXX XXXX XXXX and they were going to transfer the money toMr. Cooper. I keep getting phones calls and messages that my account is past due! I have made all my paymentsandkeep getting harassing phone calls and emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX I called XXXXXXXX XXXX for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call Portfolio Recovery Associates and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. 

In XX/XX/XXXX Portfolio Recovery Associates attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, Portfolio Recovery Associates has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. Portfolio Recovery Associates continue to tell the credit bureaus this is a valid debt, which it is not. 

I never received a validation of debt letter. Under California law, a creditor/collection agency does not have to provide one. I never received one. Next, this was written off on XX/XX/XXXX by the original creditor. They never sold the debt to PFA. I do have the write-off letter to prove my case that this, as of XX/XX/XXXX, is an invalid debt and by PFA continuation of the collection is a fraud. I have requested a full transactional history of my account. XXXX from PRA said I would have it within 10 days. I have not received that, but I did get a letter dated XX/XX/XXXX asking for fraud information. If they bought this debt from XXXX XXXX why have they not done their due diligence to get to the bottom of it. They are violating my rights under the FDCPA. They are literally breaking the law by collecting on a debt that is no longer valid for the sake of trying to collect on the debt. The letter from XXXXXXXX XXXX  will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: AK

Complaint narrative:
Ability Recovery Services is trying to collect on a debt that was paid to the original creditor XXXX XXXX. I have provided my bank account statement showing it was paid and they continue to report this as late in the amount of {$360.00}. I am now XXXX from an injury and no longer work and this is keeping me from getting the help I need. I am tired of fighting them over a debt that was paid in full 2 years ago. It never should have been on my report, but at the least it should show closed, resolved.

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 2021-02-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm beyond stress and frustrated with the bureaus not responding in a timely manner as instructed by the Fair Credit Reporting Act. I mailed a letter back on XX/XX/2020 and its almost 50 days and I have yet to hear anything from XXXX, XXXX, or Transunion. I feel this lack of abiding to the law has gone way beyond my stress level. I'm at a point where I may need to file legal violations at this point. I should not have to wait another day for these companies to respond. As a CONSUMER you are here so I thought to protect me well I need you to step in and help with this matter.. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I have attached all documents so they can't say this is not me ( 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 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2020 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ad Astra Rec not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I requested validation of debt and HIPPA authorization. 
Never received either of this requested documents. 
This company is listed on my credit report even though they never verified the debt. 
Please see attached letter I have sent them.

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 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
It is very difficult to get in touch with this company. 

1. When you call them on the telephone, you go through a menu and then they send you through a 3 minute long XXXX  information about something or the other. 

I don't speak XXXX, and that is not helpful. 

2. Then, by the time you get a guest service representative on the phone beimg disconnected or having a connection so bad that there is no intelligible conversation is the norm. 

3. if your mortgage payment is late, they automatically block you from accessing your information on the website. And, that is where you can set up a payment. 

So, if your mortgage payment is late then you have to call in and POSSIBLY get a connection and then pay the representative charge. 

4. I sent them all of the documents that they requested by registered mail, and I signed all of those documents and now they insist that the documents have not been signed. 

XXXX! 

and the only way that I found out about the loan modification documents is because I called in over the space of about an hour trying to get in touch with the representative. 

5. I got a call from the company that said that I was a candidate for interest rate modification down to the market rate at no cost. 

when I called the company back, they had no idea what I was talking about and the person who made the call did not even send out the paperwork. 

and that is bad, because I'm working against the deadline and delays like this make it such that I might not be able to get the modification.

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 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
During the initial COVID-19 shutdown I asked for deferred payments which was granted but interest charges continued to accrue. I dont have dates for the initial call, however the company continued to charge interest and moreover did not accept certain payments as eligible due to the date received because they were between the prior and next billing cycles. Can provide bills and correspondence for this situation. 

Monday XX/XX/2021 : Received email threatening fees that were not previously agreed to and reporting to credit bureaus. Current balance on the card in question was XXXX. 

Tuesday XX/XX/2021 : Called customer service line XXXX Customer service escalated situation to the same employee and attempted to change names. Customer service asked for personal information while also admitting they were working for a third party. Customer service refuses to provide a copy of contract between me and company. Claims that phone call was being monitored but could not be provided to consumer under any circumstances. Company refused to allow consumer to also record phone calls. Customer service said they were in XXXX. 

The credit card itself appears to be legitimate but the company is predatory and refuses to offer the customer any information other than claiming that there is an agreement of which they will not provide any evidence. It is impossible to speak to anybody in the company other than third party customer service representatives. These representatives blatantly lie, are hostile towards consumers, and will redirect any inquiries to dead ends.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
{$54.00} XXXX ordered 8 cans of XXXX. They claim it was delivered on XXXX XXXX. I never received it. PayPal denied my purchase protection because the merchant says they delivered. My post office reviewed the tracking and tell me it's not valid. I click on tracking box and it goes to PayPal saying oops or something wrong. The post office say they get a lot of scam tracking as it comes from XXXX. PayPal is supporting this scam. Also XXXX is not providing any cans so how are they able to send me 8 cans. They are preying on our desire to fight covid-19 and take the money without sending the product. This is a crime. 
I just noticed PayPal changed their denial of refund and putting {$54.00} in my account. This proves something is not right. I told them I would be reporting them to you. This may have forced they decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TN

Complaint narrative:
I am having continuous problems with MidAmerica Mortgage Co, for over a year. I have made my payments, even paying extra, on the mortgage payment, and this company has not given me credit for almost a years worth of payments. Since XX/XX/2020, they still have not updated my account, and have me delinquent on my payments, which I am not. This is the 2nd time I have filed a complaint with the Consumer Finance branch. I have tried to communicate with this company, and all I get is, " we're taking care of it, '' but still they have not followed thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm trying to get my credit score online and no lenders can access my file if I wanted to open a credit card. Equifax is the online credit reporter and I have called over 20 times to get help from them. They never help and they will not take me seriously. My credit score says XXXX  and lenders also can not access this. Equifax is horribly rude and always says the same thing - we will escalate your issue. It's been over a year with at least 20 calls to them for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: IL

Complaint narrative:
account XXXX XXXX  reported false information t my credit 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 2021-02-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
account XXXX XXXX  reported false information t my credit 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 2021-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I am a XXXX  who is licensed XXXX XXXX ( In XXXX, XXXX, and XXXX  ) and at the end of last year ( XX/XX/2020 ) I applied for XXXX  Loan Forgiveness through the Federal program. I should potentially qualify as a Secondary Science XXXX  according to the program and it is for up to {$17000.00}. One of my loan servicers ( XXXX  ) granted the forgiveness that I applied for but the other ( Nelnet based out of Nebraska ) denied my claim on the basis that they don't consider me as a XXXX XXXX  based on Nebraska legislation. I contacted the Nebraska Ombudsman and they also recommended that I continue to pursue it because of the confusing language that is used in regards to Nebraska legislation. 

The Teacher Loan Forgiveness Program States that " Secondary School '' is a public or nonprofit private school that provides secondary education as determined by state law or, if the school is not in a state, by the Department. 

Nelnet is referring to, Neb. Rev. Stat. 79-101 ( 5 ) indicates that " elementary grades means grades kindergarten through eight, inclusive. '' Neb. Rev. Stat. 79-101 ( 6 ) indicates that " high school grades means all grades above the eighth grade. '' The Nebraska Revised Statues do not directly define " secondary school. '' but it refers to " high school ''. From the Neb. Dept. of Education Rule 10 from Title 92, Nebraska Administrative Code, Chapter 10 " secondary grades '' is defined as " means those grades designated by the school system as secondary, but not to include any below grade XXXX ''. 

I was hired with the requirement of a XXXX XXXX XXXX certificate because my school is accredited with as a secondary school and they have to follow the guidelines of hiring teachers with a XXXX certificate to remain in compliance. 
I contacted Nelnet individually on the dates that are specified on the Nelnet contact document and with a SAVI representative on XX/XX/2020 but we haven't received any other help from Nelnet on how to proceed because they just say the Guarantor doesn't deem it as a qualifying case since they consider me an XXXX XXXX based on Nebraska legislation ( worth {$5000.00} ). My XXXX  approval was worth {$7600.00} so it was above the {$5000.00} for an XXXX XXXX because they deemed my case as a qualifying XXXX XXXX. 
I should also note that one of my years of service was with a XXXX XXXX in XXXX which may be used to argue that my particular situation could also fall under review by either state or should potentially default to the federal definition of what is considered a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute to the credit report agency Trans Union, XXXX  and XXXX. I requested an extension deferral on my car loan with XXXX in XXXX  of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED 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 2021-02-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute to the credit report agency XXXX XXXX, Equifax and XXXX. I requested an extension deferral on my car loan with XXXX in XXXX of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!

Company response to consumer: Closed with explanation