vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out to the credit bureaus about a car loan that is showing up on my credit report. I have contacted the creditor and submitted documents to them as well advising them that this was fraud and my identity was stolen. They have been cursing me out and hanging the phone up in my face. I need to have this {$20000.00} car loan taken off of my credit report immediately.

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 2017-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: KS

Complaint narrative:
The short story is that my interest remains capitalized on my FedLoan Servicing account, despite that it was a mistake from FedLoan Servicing. 

Background : On XX/XX/XXXX, I received notice from FedLoan Servicing that my annual Income Driven Repayment ( IDR ) paperwork was due, as it had an expiration of XX/XX/XXXX. On XX/XX/XXXX, I submitted my paperwork via an upload on FedLoan Servicing website. On XX/XX/XXXX, I called regarding a separate topic ( PSLF ) and I confirmed my IDR paperwork was received. On XX/XX/XXXX, I received written notice that my Income-Driven Repayment Plan paperwork was not submitted, and therefore my interest was capitalized and a standard repayment beginning date of XX/XX/XXXX. I called numerous times between XX/XX/XXXX and XX/XX/XXXX regarding the issue that my paperwork was submitted for the annual review and therefore the interest capitalization should be recalculated. I authorized an administrative forbearance in XX/XX/XXXX and then rescinded ( forbearance matter was resolved ). I was informed during the phone called on XX/XX/XXXX, that the interest capitalization was reversed in XX/XX/XXXX, but due to an administrative forbearance, the interest was capitalized again. FedLoan Servicing representative reported he will submit a review and this will take 7-10 business days. The 7-10 business days had passed and this matter remains unresolved. 

I am requesting FedLoan Servicing correct the interest capitalization with the last correct date of XX/XX/XXXX, due to no fault of my own. I am willing to submit documentation to assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Riverwalk Financial Corporation
State: LA

Complaint narrative:
I had been incarcerated from XXXX until XXXX so there was no way I could pay this debt when it happened. The company that 's trying to get the payments is Deville Asset Management XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Adler Wallach & Associates, Inc.
State: KY

Complaint narrative:
All these amounts owed has been or should have been paid 100 % cause I have a medical card that pays everything I would love to know how to get them off my credit report cause I have been trying for a while now to establish good credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC.
State: CA

Complaint narrative:
This appears to be from a charged-off credit card BANK ONE, I do NOT recognize. 
The Charge-off date appears XX/XX/XXXX. 
No Complaint ever filed. 
No payment by me was made on this account. 

Starting XX/XX/XXXX, I received a Collection Letter from a MA attorney. 
My attorney mailed a letter to this attorney, requesting a copy of any Judgment for this issue. 
We never received a reply. 
Letters continued to arrive from this Collection Attorney. Finally, they seemed to cease. 

XX/XX/XXXX/XX/XX/XXXX- I receive another Collection Notice, for same original account, from a different Collection/Debt Buyer. XXXX XXXX XXXX. 

My attorney mailed a 'Cease & Desist '' letter, via USPS Certified Mail. 
After this letter, my attorney received a call from the law firm for this Collection Co. Calls back and forth went on for about one month. 
I was told these notices would cease. 

XX/XX/XXXX- I received another Collection Notice for the same account, from a different Collection/Debt Buyer, Dynamic Recovery Solutions and Accelerated Financial Solutions. 

My attorney mailed the same " Cease & Desist '' letter to these new Collectors, via Certified USPS. 

I counted XXXX Collection/Debt Buyers on this account since it states it Charged-off. 

My attorney filed a complaint against XXXX, for allowing the account to continue, and against Dynamic ( DRS ) and XXXX ( XXXX ) for not checking any status on this account before proceeding. 

In documents with these companies, my complete SS # is reflected. There is n't any redaction. I am really scared this will continue. 

Is there a limit on how often a debt can be bought and sold over time? 
This could go on for infinity, and the Debt Buyers/Collection Agencies do not seem concerned. 

I do n't have any assurance my personal information is safe. 

Help!

Company response to consumer: Untimely response
Consumer complaint received 2016-08-29 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Genuine Debt Solutions, LLC.
State: VT

Complaint narrative:
Receive phone calls at least twice a day for my warrant of my arrest and that I 'm being sued. Now family/friends/work are being called and threatened. When I try to return the call to ask for documention to be sent to me in writing there is not answer. Is this a scam.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC
State: NC

Complaint narrative:
To Whom, First I tried to just get my taxes and Ins turned back to me denied tried to do a refinance with XXXX got taken for XXXX to find out my house has dropped another XXXX since XXXX and no refinance done but I owe XXXX more than what my house is worth now. Tried to get help through my mortgage denied again and they are trying to charge me for fees at XXXX I have not paid and do n't need to pay they said they where going to take it off but never did talked to them till blue in the face but kept and still getting the mortgage payment on time for now its is hard to do at times but find a way by selling things I have worked hard for. First Key denied me they say I have a Senior mortgage attached to me since XXXX XXXX by XXXX XXXX I have never known of a senior mortgage I do n't owe this at all but I have talked to XXXX they told me to get with XXXX I did they said they take care of it but did not solve the problem. I have no equity in my house now and ca n't afford to to repairs needed done some as I slowing find the way to get money together. First key mortgage have had during the time trying to get help through them got a few calls from there customer service with like threaten action for my payment for they said they have not receive my payment this is 3 days after and after arguing with them to check again for I have made the payment on or before the due date plus Im suppose to have 16 days after but not with them. What can be done I have great credit and work hard to pay my bills with not much left for gas and food. I need a little help with this problem thanks

Company response to consumer: Closed
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My wages are currently in the process of being garnished for a credit card bill that was 1. charged off by the original creditor XXXX, 2. I have no signed contract with Midland Credit Management , Inc., 3. my rights under the Fair Debt Collections Practices Act and the California the statue of limitations is being violated and has passed on this account. 
I have attached information for your review. If any additional information is required please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
Lender required bank verification by logging into account on their site that included answering a security question. My account is now at risk. I was told I was approved then after verifying the account I was denied.

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 2017-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
three years ago citi mortgage forclosed on my home never giving me any opitions, never tried to work something out, even tried to auction off my house but set the starting price at 3 times the value so everyone walked away. my house is still vacate 3 years latter and I still get letters from citi mortgage about property insurance. citi mortgage has already been paid by FHA so they do not care if the house stays vacate and I lost my home

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 2017-03-31 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
After XXXX filed a civil suite for collection, an agreement and imidiate payment was made to thr lawer they used. Then a week later they continue to try to collect the debt.

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 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Filings and Claims Inc.
State: NY

Complaint narrative:
I received a voicemail telling me to call back XXXX otherwise they would send my information to the DA for XXXX criminal acts.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Payment on credit report states 30day late payment month of XXXX car note payment was XXXX wrote check out for XXXXdoll wrote letter to company that rest of amount be sent next paycheck in 2wks within that time report of 30day late payment was posted lowered credit score that why sent in XXXXdoll an letter in response to avoid that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ORG GC GP BUYER, LLC
State: DC

Complaint narrative:
I have been contacted by GC Services Limited Partnership regarding student loan acct # XXXX. They are looking for someone with my same first and last name but this is not my debt. I told them as much twice over the phone and also wrote it on their bill voucher which I mailed back twice. 
In the late 1990s this exact thing happened to me, for a student loan debt for XXXX XXXX XXXX in XXXX XXXX. I never attended this school and have never lived in XXXX California. It took years of effort to clean this mistake off my credit report and I 'm concerned someone new purchased this debt and will do it all over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
This debt is from XX/XX/XXXX. It has been payed in full. 
The first I have heard of this was last year, ( XX/XX/XXXX ), in XX/XX/XXXX, when XXXX attempted to collect on this. 
The originator of the debt, ( a hospital just outside of XXXX ), has since closed. After many attempts, I was unable to find anyone involved that might be of help. 

I originally payed a lump sum and had the remainder come out of my checking account, via direct deposit. This resulted in the account being payed in full. 

After no luck with the hospital and no luck dealing with XXXX, In XX/XX/XXXX I contacted all XXXX credit bureaus and submitted the information I had. They decided that this debt was unfounded and had the negative remarks pulled from my credit score. 
That was just last month. 

In XX/XX/XXXX, I received a letter from Halsted Financial Institute attempting to collect on the same debt. 
I contacted them on the telephone and tried to explain my situation. 
I believe that XXXX just offloaded this case to them, selling a bunk debt, after realizing that they could n't collect on it. 

If you could please assist, it would be great help. I do n't want to go through all of this again, or until the end of time. I 'm not sure what to do at this point. 
I do appreciate your time. 
Thank you very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Yakima County Credit Service, INC
State: WA

Complaint narrative:
I received a Garnishment letter from my HR department for a garnishment for a item that is in collections. I was not aware of this item and never received any summons or judgment in order to fix this before garnishment.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Financial Credit Services, Inc.
State: IN

Complaint narrative:
I informed the colection agency that at time of service, I was, covered by XXXX XXXX and VA emergency service. They. Still insist I owe the sum! Put a lien on my property some how with out my knowledge! Never notified of court proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a payday loan with Check n Go. Prior to the repayment I forwarded several emails requesting a stop withdrawal of payment request due to a family member passing. I even had XXXX my sister contacted Check n Go and requested to speak with a supervisor but yet they still submitted the payment though they were notified that I unexpectedly had to go out of town.They decided several days later to respond. I have the emails to confirm my contacts. I was charged {$35.00} NSF by Check n Go and {$35.00} by my bank. I have a repayment plan and asking Check n Go to take responsibility for the {$70.00} fee and deduct from the amount I currently owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northeast Collection Bureau
State: GA

Complaint narrative:
I have provided proof that the debt was paid previously, it appears the debt was passed on to another collection agency and the payment not noted. I continue to be called and have a log of those calls.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I have a dileguincy on my credit report from Calvary Plc I contacted them and they sent my to XXXX of XXXX Tennessee I pod my bill over a year and a half ago and they never sent the court system a satisfaction of judgement no one can explain to me how to get this off my credit report XXXX ca n't do it and the court system tell me they do no report to credit burea I did my prt in paying and why has it taking over a year and a half sence the judgement for XXXX to send a satisfaction of judgement and how long will it take now until my credit report does no have this on it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint and concern is against Equifax. I have disputed several items and credit inquiries with this bureau. Equifax is the worst credit reporting bureau when it comes to the consumers. When I call, I get the run around and faslse information. I disputed inquiries that I did not authorize and I had a fraud alert on my file and still do till this day. These inquiries are not associated with any account I have or for any Firm offer of credit, Insurance, Employment or court order. Equifax sent me a letter stating, to call the company who put this inquiry on my file. I called all these companies and was told they do n't remove inquiries. And to call the credit bureau to do so. It 's a bunch of back and forth. Equifax do not to attempt to remove unauthorized inquiries. The only thing they do is keep a " fraud alert '' on my file even though noone has ever called me to verify information. And all this inquiries was done online not in person. 
Another concern is I have a company named XXXX on ( XXXX ) on my file. I have attached my credit report for verification. XXXX and XXXX has removed this account that is not mine. However, Equifax failed to do so. Equifax is not and have not properly investigated this account. If the other XXXX bureaus could not legitimate reason for the account and removed it. Why have n't Equifax done so. ( Please remove ) Last but not least. I have attached a letter from Dept of Education. They sent authorization for all XXXX bureaus to remove this account due to rehabilitation. The credit bureaus removed the account EXCEPT Equifax. It still remains on my account only for Equifax. Clearly Equifax is not here to help the consumers when properly verifying and clearly is not upholding to FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by Equifax, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX XXXX XXXX, ( who Equifax reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Equifax received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Equifax did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I have over XXXX in student loans. I applied for the federal loan forgiveness program as I work at a non for profit hospital. Fed Loan Servicing is who I have been working with. They informed me that I had to consolidate my loans in order to get approved for the program ; which they did. I paid my affordable payment religiously for over a year. I was notified that my payment was going from XXXX to XXXX all of a sudden because they said someone caught a mistake that was made in my consolidation that could not be reversed. They stated that the parent plus loans I received for my son were included in the consolidation and disqualified me from being able to have my discounted payment. Now someone who was paying on time every single month working towards the goal of loan forgiveness can now not pay a dime. Everyone loses. My husband passed in 2014 and I am a single income home now. A payment that large is nearly all of one of the only two checks I receive a month. All this over someone 's XXXX up that had nothing to do with me..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There is a judgement against me, it has been paid and the court has received a letter stating that the debt has been satisfied, but the judgement is not off of my equifax report, but it has been taken off of XXXX and XXXX. The debt is satisfied and equifax will not take it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Recovery Solutions, Inc.
State: VA

Complaint narrative:
First Recovery ( XXXX ) has been harassing me and my family, friends and calling me at work for a payday loan from 2012 ( file # XXXX ). 
This debt never happened that I recall.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I did not have the funds in my bank, and the company has been incessantly calling my phone and is sending threatening emails, saying that if I do not pay immediately I will be prosecuted and will owe {$25000.00} from a {$400.00} loan. They are saying that I have to send them a promisory note immediately, or I will be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI

Complaint narrative:
more then 2 or 3 years ago I did a online payday loan and paid it off right away, now within the last year I have some one e-mailing me asking for payment not sure if its for the same one or something different they wont give me any info about it I have not received any loan from them since I paid the other off. 
main creditor is ACE CASH

Company response to consumer: Closed with explanation