vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: AL

Complaint narrative:
On XX/XX/2019, I made the decision to log on to my student loan to pay my loan off of just {$50.00}. I was unaware at the time that maybe I did something wrong, but the payment of {$50.00} said it would process through in the next 2-3 business days. Yesterday afternoon, I tried to make a purchase on XXXX, but my purchase was denied, which that has never happened until yesterday. I look into my bank account and saw that the loan agency, Great Lakes, has charged me with $ XXXX.I do not even have half close to that amount in personal checkings account. I talk with several different Great Lakes reps about my issue and they informed me that they could not do anything regarding my payment mishap. They told me to call my bank and see if they could reverse the payment on my account. I was able to talk with a few bankers at the bank and they told me to contact the loan agency, but I told the bankers that my loan agency referred me to them to speak with it was nothing they could do to reverse the payment. I was told by a banker that they would fix the issue, but my account is still resting at a - {$39000.00}. I have no way to pay for anything, use my card to make any purchases. I am lost and devastated at this point, because now I am penniless because of the mishap that occurred on XXXX. I thought my loan agency would take agency, but they failed to do so, now I am worried that I won't be able to pay any other bills I owe, which is not good for me. I need help with this issue immediately. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
I refinanced my mortgage in XXXX. I worked through XXXX XXXX  Mortgage. They held my present loan and I was using them to refinance .They had just sold my 1st loan to Loan Care LLC . 
As soon as my loan was paid off I was suppose to receive my escrow of {$1100.00}. I never received it. 

I contacted loan care on XX/XX/XXXX. The agent had my account and loan was paid off Said the sent me my check on XX/XX/XXXX. 
I never received it They said they would escalate it. And do a stop payment and issue a new check.. I called back on Fri the XXXX to check on it. Nothing had been done. 
I asked to speak to a supervisor .I spoke to XXXX or XXXX a manger she said they would overnight my check on Monday the XXXX. They would send an e mail with tracking info. I never received the XXXX mail. Monday afternoon I called back talked to manager they said nothing had been done they saw the note for escalation and overnighting the check. She said she would call me back and send e mail before XXXX.never did. I called yesterday XX/XX/XXXX. Spoke to another manger. 
She seemed sincerely interested in helping me get my check as did the other managers spoke with. It seems the problem lies in escalation department. I received an e mail from them on theXX/XX/XXXX. They acknowledge I had a complaint and it would take up to 3 days to research they will have someone call me with an update. I need my check to pay some bills. I would like it tomorrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I've had this credit card since XX/XX/XXXX. And never missed a payment until I was financially distressed in XXXX/XXXX  when I my husband ( XXXX ) was in an accident leaving him in the hospital for 6+ months and not able to work anymore due to waiting for a XXXX XXXX. Once I had used my money in my savings while being off managing all the bills, I started to fall behind And I've had 7 missed payments in XXXX because of me being off work to help my husband. And once I've got back to work ( XX/XX/XXXX ) took off for medical leave, I have not missed a payment since. And have made double and triple payments to pay my balance down in XXXX. While being off from XX/XX/XXXX, to XX/XX/XXXX since my savings ran out I took durasticly measures and widthdrew most of my retirement to pay off medical and other bills for my husband ( mortgage, his credit card with same comsumer ) and I've even made a balloon payment well over the asking monthly minimum due payments ( which was {$5000.00} ), ( my highest balance was XXXX $ ) ( credit limit of XXXX ) made balloon payment in XX/XX/XXXX of 5,000.. which would have could covered previous late payments and even post payments ( my minimum amount due ) until I got back to work, which was in XX/XX/XXXX. And I have been a faithful customer once I was able to resume work, and my balance now is even at 3,000.00 which mean I make double/triple payments above and beyond minimum amount due. Having these late payments on my credit report lowers my score and has even temporary prevented me from housing situations ( I work all over the United States ) I  applied for an apartment for where I am working the next 2 years so I can provide for my family and was denied housing due to missed/late payments on my credit report from this credit card company making me drive 4 hours a day. I ask to remove late payments status so I am eligible for housing when they run a credit check. And that I have been a faithful customer ever since and only missed payments when my husband 's accident occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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:
My Experian credit report is showing a balance on an account, XXXX XXXX XXXX, that I have paid in full, {$830.00}. I have the original documentation from XXXX XXXX XXXX indicating that the account has a balance of {$0.00} dated XX/XX/2019. I have sent this to Experian, I have talked to a representative at Experian and he had the copy in his hand and stated that during their investigation they didn't get all the information they needed from the lender to change the information on my report so it remains as verified, yet the verification date has not changed? I have disputed this XXXX times already, my account representative at XXXX XXXX XXXX, XXXX XXXX XXXX, would like to be contacted personally by Experian to verify the balance on my account is {$0.00}. 
If I owed a balance of {$830.00} why is my account still in good standing so many months later? The people at Experian must be XXXX  not to understand that my account is paid in full with the document in hand and the account in good standing with no collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
On XX/XX/XXXX I did a domestic transfer from XXXX to New York via Money gram online for a total of XXXX I am sending XXXX there was a XXXX dollar fee. I did this transfer debit card to debit card, money gram never sent the money to the reciever in fact they keep telling me they already sent it to the receivers bank but they did not. The reciever has contacted their bank several times and they have told him they see all transactions in REAL TIME and if anything was pending or sent from moneygram they would see it. It was never sent. To top it off they told me they have to send this issue to a specifi department which will contact me in 24 hours I haven't heard a peep from moneygram since XX/XX/XXXX if I dont call they won't call me. I have called them over 20 times about this issues and to be told now it's still processing but they have no clue why or how to get it to the reciever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: NY

Complaint narrative:
On my Transunion  and XXXX  reports my XX/XX/XXXX my XXXX XXXX XXXX loan increased by XXXX us dollars. I have not missed any payments. The aforementioned amount was suppose to be the amount they obtained for XX/XX/XXXX. My account has not been updated for XXXX XXXX or XXXX. I filed approximately 2 complaints with XXXX XXXX with negative results, ( no investigation basically ). I contacted XXXX XXXX on XX/XX/XXXX and the customer rep told me that my account is current and the current amount on my loan is {$14000.00}. I explained to the rep on the complaints that I filed with no results and that there are no updates on my credit reports regarding XXXX XXXX. The rep also said that at the end of XXXX my account balance was {$15.00}, XXXX. The rep ( XXXX  ) said that she will forward this info to the correct department and someone will contact me. It is XX/XX/XXXX, and no contact and no update on my credit reports. They ( XXXX XXXX  and XXXX XXXX ) are allowing these business records to contain this false information and not identifying the person falsifying these business records, which has a negative impact on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I get four plus phone calls per day. The collection agency, Midland Credit Management, sent a XXXX form listing a balance of {$1400.00}. Midland represents XXXX XXXX   XXXX. I talked to two Midland representatives one day and explained to them that I never had or applied for any type of XXXX card. This was to no avail and the harassing phone calls continue. 1. Fraud has been committed or 2. Because of poor business practices they allow anyone to get a card without verifying their I.D . or 3. MIDLAND,  XXXX, and or XXXX are involved in a consumer scam. I talked to XXXX information at a local XXXX. They have nothing to do with credit cards of XXXX Bank. No one at XXXX could give me a phone number to call. They said XXXX is only on the receiver end and not involved with card issues. ++They did say that XXXX is switching to XXXX XXXX XXXX++.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA

Complaint narrative:
Do not give me a chance to make agreement to pay off my loan took matters into my own hands repossess

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: KS

Complaint narrative:
From XX/XX/XXXX until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which XXXX XXXX  never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about 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 2019-09-18 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: CA

Complaint narrative:
EQUIFAX, post dispute results of multiple investigations ... 
continues to display XXXX XXXXand in Equifax 's depiction of XXXX XXXX IT IS OBVIOUS on the face of their credit reporting that the account information is both inaccurate and incomplete according to the FCRA, the law of the land in the USA.All proof attached is specific as it includes Equifax hard copy reports as well as 3rd party reports with information transmitted to the 3rd party by EQUIFAX.The information attached is from XXXX calendar week prior to this writing.It includes a partial fix by Equifax of the missing '' term duration '' which was added to this installment loan depiction on XX/XX/XXXX ... .yet the account post update continues to have both inaccurate and incomplete information required by the FCRA ... THE HALF MEASURES AVAIL US NOTHING.EQUIFAX IS UNABLE TO BE CONTACTED ELECTRONICALLY FOR DAYS AS THEY ARE UNDERGOING '' maintenance. '' Equifax has recently sent a threatening letter..stating that they are refusing to reinvestigate beyond the current investigation.EQUIFAX on the phone has individuals who blend their XXXX  XXXX   tongue with XXXX and are unintelligeable on phone conversations to remedy these EQUIFAX breaches of credit reporting law. 
on Equifax XX/XX/XXXX XXXX report the installment loan says the payment both actual and scheduled monthly payment are or were {$0.00} On Equifax XX/XX/XXXX report the installment loan duration is blank, yet on the XXXX XXXX report of XX/XX/XXXX the XXXX  month term is shown.the date closed, the charge-off amount ( significant since loan payments were made ) are left blank.The high credit amount is inaccurate since on loan initiation a portion of the {$2600.00} was withheld by the lender as a loan initiation fee ( pre-paid interest ) and the loan amount or loan proceeds was not XXXX but less. 
nowhere in the account is this information properly depicted.The " high credit '' of {$2600.00} is inaccurate. 

THIS COMPLAINT MAKES A RECORD AS EQUIFAX IS MAKING IT CLEAR THAT THEY WILL REFUSE TO FURTHER INVESTIGATE, CORRECT THE INACCURACIES OR DELETE THE ITEM.EQUIFAX IS CLEAR IN THEIR WRITTEN COMMUNICATION RECEIVED YESTERDAY THAT EQUIFAX REFUSES TO ABIDE BY THE FAIR CREDIT REPORTING ACT, DODD-FRANK, AND ALLOW OR CONSPIRE TO VIOLATE THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Harley Davidson Financial Services Inc
State: KS

Complaint narrative:
Harley-Davidson financial keeps harassing me about a motorcycle that I dont have. Stop calling my phone and sending me letters as I do not have an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
Last year in XXXX of 2018 a collection account was placed on my credit report from a company named RS Clark & Associates. After communicating with this company that this debt was false and should be removed immediately I was met with silence. The company has not removed the collection account or furnished any proof that this is a legitimate claim of a debt that I owe to this company. I have also contacted the XXXX concerning this matter for the company to respond and they have yet to respond after XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
This account was to be paid by worker 's compensation. The company didn't process the correct papers.They send a bill amount without the medical diagnosis and process that took place. I called XXXX XXXX and explained that I got hurt on the job and XXXX XXXX XXXX XXXX of Louisiana was responsible for paying this account. Than I called XXXX XXXX my case manager and explained. SHE explained that they never should have reported it on your credit report, because it's a government issues and they're waiting on the correct papers to be processed. Than I called XXXX XXXX again to check the status if the correct papers were send. The person said no, I asked why, I was put on hold. He stated I don't know. I asked for a supervisor. I explained to her and she was rude and stated it's my responsible to get the correct papers to work 's compensation office and not there office. I said this is the frist of my hearing. And I haven't heard anything until now its back on my credit report.

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 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
XX/XX/2019 a 93A Demand notice was sent to PR via certified mail. This notice informed PR that the account they listed on my credit report was showing illegally ( under MA state law a debt collector may not place their name on a consumer credit report, PR has listed their name in violation of this law ) and the account does not belong to me. I demanded proof of their claim as well as removal of the illegal listing. They failed to comply. 
XX/XX/2019 a second 93A Demand notice was sent to PR via certified mail requesting proof of their claim and removal from the credit bureaus. They with a statement of " request has been sent to the credit bureaus, directing them to " expunge '' any derogatory information ''. The listing was removed from XXXX and XXXX. However, it was NOT removed from XXXX. 
XX/XX/2019 a third notice was sent to PR requesting removal from XXXX. PR failed to reply and failed to remove their listing. 
As of XX/XX/2019 PR is still reporting illegally and attempting to collect upon a fabricated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
Incorrect count for qualifying payments for XXXX. My account reached an arbitrary amount of interest accumulated that caused XXXX to divide my loan into separate loans and their system reset my payment count to XXXX. I put a request in over a year ago for an accurate count and it still shows XXXX qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I spoke with someone from XXXX comenity in XX/XX/XXXX by phone that I was not receiving my statements. She stated it was going to the incorrect email address and corrected the issue. At that time, I had a late fee so she credited the late fee for me. Again I am not receiving my notices and the email address provided is the correct email address that I am receiving all of my other comenity statements to make payment, such as the XXXX card. I contacted the bank yesterday to advise them that I am not receiving my statements causing me to incur late fees every month, although I make a payment possibly the day after every time. I inquired about having the funds automatically taken out each month so that I can avoid these late fees racking up on my account. They informed me that they do not offer that type of service and it is nothing they can do about the late fees. So, as of today, I believe I have two or three late fees on the account that are not really my doing and it is nothing they can do to prevent it. I just want some type of convenience or to have the late fees waived since there is nothing they can offer me to make sure I receive my statements by email on time or have payment automatically drafted. I spoke with my personal bank who can automatically send the payments for me but I do not want to have to pay the current late fees if that be the case.

Company response to consumer: Closed with explanation