vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
I am requesting to file a complaint against Kia Motors Finance for incorrectly reporting my account as a charge off. I was involved in a car accident in XX/XX/2019, ( which I may include my air bags did not go off ). Following the accident, I received a balance of {$1500.00} in XX/XX/2019, that was still owed for my deductible and miscellaneous issues ( low tire tread, etc ), even though my car was considered a total loss. I did not have {$1500.00} to pay Kia up front, so I contacted them and was told by a representative of Kia, that I would need to pay {$250.00} a month until it was paid off. ( All calls are recorded, which I also requested to pull and listen to ). I had zero issue with that and I agreed to this {$250.00} per month payment and made payments monthly until I paid it completely off on XX/XX/2019. 
XX/XX/2019, I received an alert from the Credit Bureau that I had a negative remark on my account. After reviewing the remark and my severally dropped credit score, I noticed Kia had reported my account paid charge off. I was completely shocked considering I made the payments requested every single month. I contacted the Credit Bureau immediately, XXXX, to dispute this remark. I also took time out to write Kia my own dispute via mail on XX/XX/2019, stating that I never have been late on any payment with them, or ANY payments in almost 6 years of credit history. I attached all of the information located on my credit report for XXXX, XXXX, XXXX and XXXX as reported ON TIME. They did not report any months as late. Also, the summary of my Kia account stated zero late payments. I requested that Kia report my account as paid off, closed. On XX/XX/2019, I contacted XXXX to get the results of my dispute and was told that Kia stated my account was reported correctly as charge off. On XX/XX/2019, I was alerted of yet another remark of a late payment on my credit report for XX/XX/2019. Kia went back on my credit report and change my ON TIME payment to LATE! I can not believe they changed it, to cover themselves. 
Charge offs typically dont happen unless payments are severely late. When you start missing payments, creditors first send letters reminding you of your past-due bill. I never received a past due bill and my account was never sent to collections. 
This charge off remark dropped my credit score from a 750+ to XXXX. I have never had derogatory remark on my credit score and always have made my payments on time. Kia is dramatically hurting my credit now and my future. Especially of being a home buyer by inaccurately reporting information incorrectly. If this does not get removed from my credit report, I will be contacting an attorney for future investigation.

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 2019-10-28 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: ECMC GROUP, INC.
State: PA

Complaint narrative:
For the last 10 years I have been in communications with ECMC ( Educational Credit Management Corporation ) and its debt collector XXXX XXXX XXXX. Most recently the harassment has been several times a day, receiving 2, 3 and 4 envelopes in the mail every day, email and phone calls from ECMC, yet they refuse to process or even acknowledge the thousands of letters, emails, phone calls, forms, etc I have sent them in the last 10 years disputing the student loans, and requesting a hearing. I have spent hundreds of dollars in countless mailings, by sending them the forms they require for disputing the debt over and over and over again. They have refused to process any of my forms, have no records of my treasury offsets for 5 years, have no record of the payments I made on the loan, and have exponentially increased the face of the loan by refusing to process anything I send. I now dispute the entire debt, and all Federal Loans. ECMC have refused to schedule a wage garnishment hearing, even though they are required by law to schedule one. They have blocked my email and phone number, and continue to harass me on a daily basis. My degree was a worthless con job and fraud, in a field where I am blocked from employment because the degree I earned is no longer a recognized degree, and my state will not allow any of us to be employed as per their laws and regulations. I have been displaced from the workforce for 12 years, and have only earned a max of $ XXXX {$15000.00} or less annually each of the last 8-10 years. They continue to harass me with wage garnishment letters. Taking out a student loan was the biggest mistake of my life. I have attached the threat to garish wages mailing that I receive every day. I have sent the forms back dozens of times, and they continue to refuse to schedule the hearing.

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 2019-10-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a letter on XX/XX/2018 appearing as an offer to consolidate my student loans under the Federal Student Loan Forgiveness Program. After calling the number given I was greeted with an agent that said they worked for Navient. They gave my student loan servicer, loan amounts and then I was asked to verify my information to verify my identity. As asked for, I offered my FSA ID, PIN, employer name and status and gross annual wage information. They told me that I definitely qualified for the student loan forgiveness program and would only need to make payments to them per month towards my student loans for 10 years after which my loans would be 100 % forgiven. I would first need to make a large Loan Service payment in order to process the consolidation. They would only accept Direct Bank Transfers. Given that they were posing as a government agency and the fact that they had my data before I even offered it.I gave them this information as well. They said they would then send my loan to be serviced by a private company XXXX XXXX. That my loan statments would show up as {$0.00} owed but that was because XXXX XXXX would have already made the withdrawal from my account and I shouldn't worry about that as it was just a receipt acknowledging my payment. I signed an agreement under the false information they had just provided me over the phone and was none-the-wiser for it. Because my loan was actually {$0.00} due each month I never suspected that I was being scammed and my credit report reflected that I was good on my payments to my student loan. It wasn't until 11 months later when verifying that my student loan renewal information was correctly received that I found that while Navient is an official government student loan servicer I never had my loan put into the Federal Student Loan Forgiveness program and also that I had made 0 payments on my loans since consolidating them into Navient. It was at this point I was made aware that I had been scammed. Upon reviewing all of my account information with Navient I found that XXXX XXXX had logged into my account with Navient and had changed my email in an attempt to subvert the control of information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
In late XXXX a letter was sent to Experian with data asking for my free credit report. 
The letter was returned - unopened and refused. 
On XX/XX/2019 a second letter was sent at a cost of XXXX Baht and requires a signature to be received. I have heard nothing from Experian. 

It's obvious that they do not intend to honor federal law or even respond to me via a rejection letter. I encourage law enforcement to get involved. I have a right to get this credit report, and Experian doesn't even bother to answer.

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 2019-10-28 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: GA

Complaint narrative:
According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. See www.Faircreditreportingact.com Also according to Hjr 192 On March 9, 1933 the US Congress passed the Emergency Banking Act. On June 5, 1933 President Roosevelt announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938, 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.

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 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Applied for a XXXX First Bankcard with a 12 month 0 % interest rate When I applied I requested a {$2400.00} pay off of my XXXX XXXX XXXX I never received a letter or notice of my application. 
Approximately 3-4 weeks after I applied I received a letter and that same week an email to activate my new XXXX card. 
I called the Number on the card an stated I never received the card. 
the gentleman I spoke with said he would issue a new card and send to me in around 10 days. I ask if can be done faster and he stated they could expedite and get to me in 2-3 days.

Five days late the card came by priority USPS Saturday XX/XX/2019. 
I then signed up on line to activate the card and get an account balance. 
it showed I owed {$13000.00}, the amount sent to XXXX. 
I immediately called and the supervisor who told it was a typo, she said they could not do anything that I would have to call to get the correct amount sent back to me. 
I called XXXX MondayXX/XX/2019 they told me they could not send the credited amount back to First Bankcard, but First Bankcard could issue a credit recall. With XXXX on the line I conference call with First Bankcard and the First Bankcard representative said she would issue the credit recall and it would take 24-72 hours. 
As of this writing Monday XX/XX/2019 the credit has not been issued the full amount still shows as full XXXX still has the full amount sent to them. After several calls today to First Bankcard they told me it is still processing. the operator I talked to said it was a very large amount, I told her that I need to talk to the Supervisors, Supervisor and that I was also writing this complaint to the CFPB. 
I've been diligently trying to get this taken care of since the call I made on the XX/XX/XXXX the supervisor told me that as of XX/XX/XXXX I would be charged for the transfer amount and a very high monthly payment, which i was trying to get my monthly payments lower.

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 2019-10-28 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: NC

Complaint narrative:
EQUIFAX, I AM GOING TO FILE ANOTHER ATTORNEYS GENERAL COMPLAINT AGAINST YOUR XXXX IF YOU REFUSE TO FIX THIS! 
STOP SENDING THIS COMPLAINT BACK AND GET TO RECTIFYING IT! 
I WILL MAKE SURE YOU PAY ME MILLIONS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: IL

Complaint narrative:
To whom this concerns : This company is reporting negative misleading information to the three major credit bureaus XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX. And this is a formal complaint that XXXX XXXX XXXX, XXXX are reporting inaccurate and incomplete information under a different name which is a Violations. I am very upset. And amazed that the government allows these agencies to make such obvious errors on people credit file which is damaging. However I'm willing to do whatever it takes to make sure this collection agency get held responsible for poor reporting practices. And for the record I'll restate my request. I need evidence of proof of the alleged Debt specifically the alleged contract or other instruments authenticated bearing my signature all authenticated documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX of XXXX I received a tax bill with a one time only " special assessment '' in the amount of {$6200.00}. I informed Loancare LLC about this at that time. 

In XXXX of XXXX, I received a notice of an " escrow reassessment '' that was significantly higher than what it was previously. I realize that the {$6200.00} needed to be repaid. Loancare did pay this amount for me. 

Loancare for some reason seemed to feel that the special assessment would continue and they decided that my taxes for this year would be similar to last year. I have made numerous attempts to sort this situation out to no avail. My tax bill for this year is out now in the amount of {$4600.00} They are collecting very excessive amounts in my escrow account that are clearly not needed to pay my taxes or insurance. 

They have created an extreme financial situation for myself forcing me to be late on my mortgage every month and they have destroyed my credit. 

I need a re-evaluation of my escrow account that accurately reflects my taxes and insurance. 

The only reason that I was late on my payments was because they started collecting an additional {$1200.00} a month for my escrow account. Which was not needed. 

They have also issued late fees and put damaging information on my credit report that does not accurately reflect the situation. 

In addition, my phone has been flooded with calls from their collections department. 

This needs to get rectified. I would like for the damaging information on my credit report to be removed. I would like for the late charges to be removed. And I would like for them to reevaluate my escrow account to accurately reflect my tax and homeowner 's insurance payments.

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 2019-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have an XXXX loan where the payment was taken out of my account but the payment was no applied. 

I pay {$10.00} every month for a Moneylion Plus account which gives me the right to use the XXXX service but I have not been able use XXXX because my payment was never credited. It appears they have also paused the benefits of my Moneylion plus account as well. 

I filed a support ticket with the company, they basically said too bad you're going to have to wait for " Operations '' to address this. They then closed the ticket so I could not respond and did not fix the issue. This was weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
I was threatened with a lawsuit about a debt I didnt even know about.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to XXXX XXXX who currently holds the account. I have disputed XXXX with XXXX, XXXX, and TransUnion. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. I also called XXXXXXXX XXXX  XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019 and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to XXXX XXXX. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to XXXX  XXXX, whom they reported my account closed in XX/XX/XXXX to, the account was no longer in their system. It did not exist. This is a problem as XXXX XXXX only has statements up until XX/XX/2019, is stating my account was closed as of XX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called XXXX XXXX ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XX/XX/XXXX and that is all the data they have from XXXX. The rep from XXXX XXXX told me to call XXXX to see if they could do something about my card being closed and inaccurately reported, but XXXX stayed they no longer have my account information in their system. Additionally, the XXXX XXXX XXXX rep told me that I could just reapply if XXXX   couldnt provide any information. I re-applied for the XXXX card through XXXX  XXXX and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior XXXX XXXX account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information past XX/XX/2019. This account, the one that wasnt closed at all actually, the one XXXX ILLEGALLY closed this month XX/XX/XXXX when they transferred/dont even have access to or own my account. Im literally stuck with a plummeting credit score,  loss of time spent trying to correct this, and paying for a closed card that has no actual records beyond XX/XX/19 on either end.

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 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal has had my money, {$1600.00}, transacted on XX/XX/XXXX at XXXX XXXX EDT and electronically transferred from my bank to PayPal on XX/XX/XXXX in order to complete a transaction PayPal informed me would be completed on XXXX XXXX for XXXX XXXX tickets for the XX/XX/XXXX game. The payment never reached the seller ( still hasn't as of today, XX/XX/XXXX at XXXX ). Today, PayPal ( manager named XXXX ) informed me they didn't have to complete the transaction until XX/XX/XXXX now. PayPal has the money and is profiting off my " interest free loan '' at my expense. The money will need to be transferred back to me since the tickets were never sent to me. However, PayPal refuses. Please investigate PayPal 's abuse of holding people 's money many days after they receive it and advertised completed transaction in order to increase their " banking '' profits with " interest free loans '' from customers without their agreement and at the customers ' expense.

Of note, the seller and I have repeatedly called PayPal to cancel the transaction but PayPal states it is not possible ... can only go through a process after the money is sent to the seller ... now expected 10 days from initial transaction and 7 days since money sent to PayPal by my bank, XXXX XXXX XXXX XXXX! 

PayPal Tranaction ID : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation