vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
I was sued for a debt that was sold to Mandarich Law Group LLC. In XXXX they filed a suit improperly and then they filed another in XXXX. I was never notified of the lawsuit by XXXX. The only way I found out was from other law firms hoping to help me negotiate a settlement. When I was made aware of the lawsuit I was already making payments towards the debt. I called in XXXX I think to see if I could make an official payment arrangement with them but they so they would drop the suit, but they wanted to ask questions about my financial situation so I told them that I would just continue to make payments on my terms. I also inquired about why I had received no notice of the lawsuit from them and the rep stated that the summons was out to be served. My court date was XX/XX/XXXX. On XX/XX/XXXX I was able to pay off the full debt so I made the payment directly through the law firm 's website. Conqensidentally the very next day XX/XX/XXXX they filed my summons returned unserved although the document was signed unserved XX/XX/XXXX and stated that the last date of non-service was XX/XX/XXXX. Also, I never had anyone attempt to serve the papers to me. I work from home and am very paranoid about knocking on my door so if anyone came to my door those days I would have remembered. Also, it's false that I moved I still live at the address on the document. So I had I never made a payment they would not as filed my summons as unserved and then if I failed to appear in court I would have had a judgment against me. Which I feel they have probably have done to other people. Anyway, I have submitted the payment to be made but I has yet to be withdrawn from my account. I've called multiple times to see why with no answer and they have yet to notify me of any issues they've had with processing the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TN

Complaint narrative:
My student loan servicer, EdFinancial automatically puts my payments towards interest instead of towards the principal. Since 2012 and before the Covid pandemic, I have paid {$9100.00} but only {$2700.00} has gone to my principal. The rest has gone to the capitalizing interest. How will I ever pay down my loan if my payments don't even cover the monthly interest and that amount gets added to the loan growing it even more? The system is corrupt and taking advantage of student borrowers. 

The issue was when my loan was private with EdFinancial. I have since moved it over to be a Federal loan with EdFinancial when the pandemic hit. The account number provided is to the current federal loan but you should be able to find my history from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: Velocity Portfolio Group
State: FL

Complaint narrative:
This debt was sold from XXXX XXXX XXXX CKS Investments . I know this because I called XXXX to make the payment, who sent me to CKS. This debt was paid in full to CKS Investments on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with CKS Investment. I have disputed this account on multiple occasions because CKS Investments and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. CKS Investments has illegally added this account as a NEW and OPEN account on my report. 
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.

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 2022-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
1. I have a USDA-guaranteed loan. 
2. I was in a COVID-19 forbearance from XX/XX/XXXX to XX/XX/XXXX. 
3. At the end of the forbearance, XXXXXXXX XXXXXXXX began evaluating me for a post-COVID-19 loan modification. 
4. Initially, XXXX did not follow the USDA handbook for XXXX loan modifications, and I received legal assistance from XXXX XXXX at the North Carolina XXXX XXXX. * After several months of communications with XXXX, Mr. XXXX was able to resolve the issue with XXXX. 
5. On XX/XX/XXXX, I executed a USDA loan modification agreement. The agreement was executed on XX/XX/XXXX by XXXXXXXX XXXX and by XXXX on behalf of USDA. See the attached copy of the loan modification executed by all parties. 
6. The USDA loan modification agreement brought my loan current, lowered my monthly payment to {$700.00}, reduced by principal balance to {$110000.00}, and lowered my interest rate to 2.88 %. See page 7 of the attached PDF. 
7. Before I could make even one payment on the modified loan, XXXX XXXX transferred servicing of the loan to XXXX subserviced by Mr. Cooper. 
8. XXXX subserviced by Mr. Cooper does not appear to have any record of the loan modification. When I log in to my account, it claims my loan is owing back to XX/XX/XXXX. It claims I owe {$14000.00}, that my monthly payment amount is more than {$800.00}, and that my interest rate is 3.5 %. 
9. My first payment to XXXXMr. Cooper is supposed to be due on XX/XX/XXXX, but XXXXMr. Cooper is incorrectly stating that I owe more than {$14000.00}, and has not returned my calls or emails to get to the bottom of their error. 
10. I am requesting CFPBs help in sorting out this problem. Please contact my attorney as listed below : XXXX XXXX Senior Attorney XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX N.C. XXXX Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: MD

Complaint narrative:
I am requesting a payment history of our closed mortgage account from XXXX XXXX XXXX. After an very long investigation, we found out that XXXX is reporting very different data to the XXXX credit bureaus. For Transunion the data has been changing still after the closing of the account. It is only reporting XXXX of the XXXX payments that were made. This is separate from reporting the accounts monthly status as good. The account balances to the credit bureaus are not accurate from month to month. The balances are higher than when the loan transferred to them in XXXX of XXXX. At that time the balance was {$190000.00} and after a total of XXXX consecutive payments starting from XX/XX/XXXX through XX/XX/XXXX, the monthly balances reported to the credit bureau 's have been higher than what is reported on the monthly statements. We have disputed this before, but they refuse to correct the wrong data. The main one is the Transunion account. The XXXX XXXX reports shows that out of the XXXX consecutive payments made, XXXX only reported XXXX ( XXXX ) of those XXXX payments that were paid on time Transunion. This action greatly affects the credit score outcome as well as balance history, in that it makes the account report that the balance has not decreased over time. The XXXX account is being used to cripple our credit reporting. We have documented that for the research that was done.

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 2022-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I opened a dispute to the credit bureau regards a debt reflected in my credit report " XXXX '' under the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX few days later I received a phone call from that collection company asking to pay off that debt. I told them the same that I stated to XXXX, I haven't heard from this company either about the debt, that I have a health insurance that pay most part of my bills and I always pay my copays on time. I mention this company was violating my HIPPA rights. I also asked copy of all the documents that this collection company claims I am in debt including the document they said I signed to waive my HIPPA rights. I provided them my email. I never received the promised email with all that information.

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 2022-01-29 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
This debt was sold from XXXXXXXXContinental Finance XXXX XXXX XXXX XXXX I know this because I called Celt/Cont to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX XXXX XXXX report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. 
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.

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 2022-01-29 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: FL

Complaint narrative:
This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. 
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and Experian have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.

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 2022-01-29 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: FL

Complaint narrative:
This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX  to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies ( Transunion, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. Transunion and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.

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 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2022-01-29 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: AL

Complaint narrative:
The following accounts were obtained through identity theft. I have sent police report, my id, copy of a bill, and social security card. The bureaus still will not remove the accounts. 

Accounts are XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX, US Department of Education, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I will precede will legal action if this matter isn't resolved. It's been over a year and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: FL

Complaint narrative:
This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Equifax ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: FL

Complaint narrative:
This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 XXXX XXXX XXXX XXXX XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and Experian have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have submitted numerous letters to the credit reporting agencies. And have not received any documentation proving debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/2021, I made a one-time donation of {$25.00} to an XXXX XXXX organization on XXXX through XXXX. I printed the receipt which states in black and white : ONE-TIME donation. I did this donation through my Paypal account. 
I noticed a few months later that Paypal had additionally withdrawn $ XXXX for the months of XXXX and XX/XX/2021 to XX/XX/XXXX - COMPLETELY UNAUTHORIZED BY ME! I disputed the total of {$50.00} that had been taken from my Paypal money and transferred to XX/XX/XXXX with Paypal several times and they insist they did nothing wrong - I disputed further with Better Business Bureau - twice, and both times they refuse a refund. I have conveyed copies of the receipt I mentioned above to both Paypal and BBB. I do not understand how I can make a donation - never seeing an option to make it recurring and having NEVER indicated that I wanted it to be recurring- and printing the receipt which actually states " ONE-TIME '' FOR " HOW OFTEN '' the donation is made. Isn't it illegal to mishandle MY MONEY by Paypal in this way? If you can not help can you tell me what financial regulation agency I can appeal to that regulates Paypal 's handling of people 's money? Thank you

Company response to consumer: Closed with explanation