vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Following an over 30 minute arguing with a customer service representative to have them give me a monthly " Travel Authorization '' (!!?? ) to be able to use my XXXX 's XXXX, issued by Synchrony Bank, away from my principal residence, on my winter location, I paid the balance in my account and requested them to cancel the credit card which had accumulated a {$130.00} Cash Back Balance. The bank refuses to reimburse me my earned Cash Back reward.

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 2019-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recently sent money through PayPal to a person I was buying a shirt off of and has now blocked me on the app we contacted through and I would like to get refunded the money I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
Dear Sir or Madam : I notice a collection account for XXXX XXXX with account # XXXX. The original Account # XXXX is with a balance due of {$960.00}. 
Ever since 2013 when it was first reported to the credit bureaus, i disputed the creditors in question in writing via US Postal Mail and demanded proof under the Texas Finance Code section 392.202 (  b ) that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Section 392.202 ( b ) of the Texas Finance Code requires the debt collector to provide a Statement that verifies the accuracy, confirms the inaccuracy or states that they have not yet completed their investigation or determination. There is a requirement that response be provided within 30 days of request, however the response can state that they have not yet completed the investigation. 

So far XXXX XXXX has been able to provide NO such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
Despite credible debt validation letters sent & their obligation to cease collection activities, XXXX XXXX showed willful ignorance to the law with inaccuracies in their response times. 

Under TX Finance code section 392.202. ( b ) collectors are required to delete their reported collection if they do not provide their statement within 30 days of request & have the option of re-inserting the reported collection if they have legitmately validated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Previous problems depositing funds at only ATM next city over. XXXX min drive each way. USAA NEVER covers gas for not having their equipment working.

On XX/XX/19 went to XXXX XXXX Va ATM. Only one in area. Wasn't accepting ANY deposit. I had CASH. I'm trying to cover funds and there is NO WAY for us to put in funds in our account that is cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: AZ

Complaint narrative:
The thre

e main credit bureaus do not have accurate information on my credit reports.

They are impossible to reach either though their individual sites as well as the contact numbers they provide.

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus.

Two issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now.

They also show a debit balance on my credit card that has impacted my score by 18 basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance.

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month.

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative.

Thus my scores are now so low I am not able to gain a favorable mortgage rate.

I've been frustrated with these " for profit '' credit bureaus as long as I can remember.

Any assistance would be greatly appreciated.

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 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
I never have applied to any housing loan or mortgage and I have never authorized any inquiry of my credit for such a thing..I don't understand how on XX/XX/XXXX a hard inquiry by CIC MORTGAGE CREDIT was made ... this could be a potentially identity theft I am currently living in Florida and apparently the inquiry was made by a company in Tennessee. 

This the report from XXXX : Inquirer Name CIC MORTGAGE CREDIT IN Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage Reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I received a letter dated XX/XX/XXXX marking erroneous dates that implied a non payment of fees on my payment history. I have therefore acquired a payment history from XXXX XXXX that I am submitting. XXXX XXXX is the carrier of all of the funds paid to then XXXX. I have also again submitted the payment history of Select Portfolio Servicing , Inc. to accurately compare to the payment history of XXXX XXXX Quick pay, the carrier of funds to Select Portfolio Servicing , Inc . 
All of these official documents will prove that according to the dates, Select Portfolio Servicing , Inc. has with intentional neglect placed me in an erroneous delinquent status and has purposely acted on this erroneous status. 
What the attached documents prove, as submitted, that I have not missed one payment with Select Portfolio Servicing , Inc. and have paid all requested funds of payment, even going into the transfer of my account to said agency. 
So why does Select Portfolio Servicing , Inc. show my account with them delinquent over 3 months? 
In summary : XXXX XXXX ( to XXXX ) XX/XX/XXXX {$950.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$940.00} XX/XX/XXXX payment ... ... ... ... 
XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$920.00} ... ... ... ... 
XXXX XXXX Quick Collect ( to Select Portfolio Servicing , Inc. ) XX/XX/XXXX - {$630.00} ( {$280.00} left in unapplied funds were transferred ) All documents are legal entities. I therefore request that my account be cleared of any and all delinquent status and updated to reflect a current status. I have not missed any payments with Select Portfolio Servicing , Inc. even at the transfer of my account to your agency. Please email and mail correct document to me at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Sincerely, XXXX XXXX XXXX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Penn Credit Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX of 2019 I contacted Penn Credit Corporations in an attempt to get a debt verified and the representative was very disrespectful and told me because I had previously asked about a settlement offer that the requested offer was validation and I tried to explain that I asked about the offer simply because I didnt want anything reported on my credit negatively. They failed to give me an address for the reported XXXX XXXX account. I have disputed this matter with the bureau and havent heard back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: AZ

Complaint narrative:
The three main credit bureaus do not have accurate information on my credit reports. 
They are impossible to reach either though their individual sites as well as the contact numbers they provide. 

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus. 

Two  issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit  score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now. 

They also show a debit balance on my credit card that has impacted my score by XXXX basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance. 

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month. 

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative. 

Thus my scores are now so low I am not able to gain a favorable mortgage rate. 

I've been frustrated with these " for profit '' credit bureaus as long as I can remember. 

Any assistance would be greatly appreciated.

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 2019-03-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The three main credit bureaus do not have accurate information on my credit reports. 
They are impossible to reach either though their individual sites as well as the contact numbers they provide. 

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus. 

Two issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now. 

They also show a debit balance on my credit card that has impacted my score by 18 basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance. 

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month. 

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative. 

Thus my scores are now so low I am not able to gain a favorable mortgage rate. 

I've been frustrated with these " for profit '' credit bureaus as long as I can remember. 

Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX contacted me in early XX/XX/XXXX regarding a balance I owed of {$600.00}. I told them I would pay it. I made the payment through my HSA with XXXX XXXX, check # XXXX dated XX/XX/XXXX for {$600.00} was paid to XXXX XXXX XXXX XXXX. I have a copy of that check indicating they deposited it on XX/XX/XXXX. I received a collection notice from Capital Accounts dated XX/XX/XXXX indicating I owed {$600.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. I mailed my response to Capital Accounts with a copy of the cancelled check. I then received notices that there was a new account on my XXXX and XXXX credit reports. Upon investigation I see the new account was the debt collector, Capital Accounts. I filed disputes with both XXXX and XXXX. I then received another bill from Capital Account dated XX/XX/XXXX stating I owed {$820.00} to XXXX XXXX XXXX XXXX. This amount is incorrect, as the original bill was {$600.00}, which was paid. I have not visited XXXX nor incurred any new charges to warrant the increased amount. I receive a response from XXXX dated XXXX/XXXX/XXXX stating verified as accurate even though I provided proof that I paid {$600.00} to XXXX  on XX/XX/XXXX.

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 2019-03-24 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: ProCollect, Inc.
State: LA

Complaint narrative:
I was contacted in XX/XX/XXXX and the cryptic representative would not reveal what he was actually calling for but because I was hesitant to converse with him, a stranger, he THREATENED to DESTROY my credit and rental history. My consumer rights were violated. FDCPA 15 USC 1692 ( e ) 7 states that a creditor can not threaten to 'disgrace ' a consumer in any way. The collector agent that called accused me of REFUSAL to pay. I never refused to pay anything, nor did I validate whatever the debt supposedly is. Accusing me of refusing payment is a form of coercive abuse prohibited in 15 USC 1692 ( d ) 2.

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 2019-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
The beginning loan origination date was in XX/XX/XXXXwhen I first decided, as a XXXX year old, to go to college. 
This college career, as a professional student, finally ended with my completion of a XXXX in XXXX in XX/XX/XXXX. Yes it took me 20 years. 

In addition, prior to that I was 3 credit hours away from completing a XXXX XXXX at the University at XXXX in XX/XX/XXXX. I was in a messy divorce and having medical issues and I did not complete the program. Four years later, I went back to get back into class, and XXXX stated that the program I was in XXXX, no longer existed. Essentially I was swept under the carpet and told that it might be better for me to check with other schools for a new program. They reassured me that my XXXX grad credit hours would certainly transfer over into another XXXX   degree. Thats how I ended up with the XXXX XXXX XXXX in XX/XX/XXXX from XXXX College in XXXX NY. XXXX ended up telling me they would transfer over many of my XXXX credit hours. This did not happen-either. In the end, they only accepted 1 class and transferred it over. 

Nonetheless, I have been very fortunate to land a XXXX job and I love it! 

Unfortunately, my student loan debt is crushing. 

I have called XXXX and asked for a itemized bill but they say my record only dates back to XX/XX/XXXX. What???? This loan has been passed around by the federal government since its origination in XX/XX/XXXX and they have no record of it before XX/XX/XXXX? This loan has been flipped from XXXX, to XXXX, to XXXX XXXX, to XXXX, to XXXX ... ..and when I call to see what can be done when I am unable to make a payment, they change the status of loan, so that my 10 year repayment and loan forgiveness for XXXX STARTS ALL OVER AGAIN. 
This loan is 32 years old. I am XXXX. 

The interest that accumulates on this loan is XXXX per month. I have a loan of almost 400,000.00 and XXXX is in interest alone. 

My question is how can I get the federal government to provide me with an itemized bill of this supposed money they say I owe them. I dont think this is a unreasonable request. 
Also, why does the federal government loan young people, who are uneducated, a lot of money when more than likely they have no clue about financial issues. 

I didnt and only recently ... have begun to understand concepts involving interest rates and principles ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
XX/XX/2018 amount owed {$350.00}

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 2019-03-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I have a conventional adjustable loan serviced by Ditech After have XXXX surgeries and now with XXXX I have tried to modify my loan with Ditech. 
Ditech transferred the loan as of XX/XX/2019 and before is pursuing a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
XX/XX/2018 amount owed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: DE

Complaint narrative:
I graduated from XXXX XXXX  in XXXX with approximately {$92000.00} in Federal Loans   with a combination of unsubsidized and subsidized loans. I consolidated them into one loan with a very low interest rate ( approximately 3.00 % ). AES-PHEAA was my servicer, but then XXXX appeared on my documents. Prior to that it was the XXXX XXXX XXXX XXXX ( XXXX ) I believe. During that time, filed for bankruptcy and then after it was discharged, I had a medical issue and was unable to work and was receiving XXXX from a XXXX insurance policy that I bought previously ( which only lasted 2 years ). To avoid default or late payments, I filed forbearances, deferrals, and the hardship exception ( once after calling them back and telling them that I qualified for it because I did not realize I did and went on forbearance ). Over the course of those years, I was never offered the Income Driven Repayment Plan for a possible $ XXXX  monthly payment not even during the bankruptcy. I am not sure if interest was charged over the 5-year chapter XXXX bankruptcy ( converted to Ch. XXXX XX/XX/XXXX ; discharged XX/XX/XXXX ). ( I had no income and needed the XXXX money to pay for medical insurance and living expenses ).  Over the course of approximately 7 years, {$50000.00} in interest was added to my school loans. I now owe {$140000.00} even though I graduated with {$92000.00} in loans. It seems crazy to be charged half of what I owed in interest for 7 years at a 3 % rate while trying to recover medically and returning to the work force. I am currently with FedLoan Servicing, have consolidated Direct Loans, and I am working toward the Public Service Loan Forgiveness ( PSLF ) Exception to try to have some of this interest forgiven. However, I have 7 years to go before forgiveness is an option. I am a XXXX XXXX XXXX working in a low income XXXX XXXX  which qualifies for PSLF. My payments just went from $ XXXX/mo to $ XXXX/mo because of my salary. I don't believe that I owe an additional {$50000.00} in interest. I need someone to review these accounts to see if there were any deceptive practices or other causes of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b ) .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.

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 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b ) .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.

Company response to consumer: Closed with non-monetary relief