vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Financial, Inc.
State: NC

Complaint narrative:
This debt is placed in collections on my credit report under XXXX XXXX, they say I owe them {$560.00}. As I never signed a legally binding contract with that collection agency. I disputed this debt with all 3 credit bureaus and wrote the address listed on my credit report asking them to validate the debt with them by sending a contract. They have since then, sent me emails, sent a contract and are now calling and leaving voicemails on my phone. I have since then responded and asked that they only communicate thru US mail, as debt collectors are very aggressive and rude people. I then got another repeated email from this company as soon as I hang up the phone. ( shown in the proof ). They sent a contract thru the mail, which has an e-signature on it, they say I signed for, and address that I do not live at and a social security number with X 's followed by 4 number in which they claim is my social and the original contract that I signed. The contract also says that I agreed to pay XXXX XXXX XXXX   and or their successors ( which I am assuming are them ). When I try to look over the original contract in my email, I see that they have disabled the original link with the ORIGINAL contract on it. This contract also says that I agreed to pay the state of DELAWARE, this collection agency is out of XXXX, CA. I reside in North Carolina. I owe no one in California. I am asking for the original contract, an authentication or proof that the alleged e-signature is in fact mine. As I am not obligated to pay back money under a FORGED/edited contract. I feel as though I am being manipulated into paying a credit company that I have not signed a contract with. They are threating to take legal action against me, but have disabled the link showing the original contract so that I no longer have access and have instead sent me a typed up contract. 
They keep saying that I had 30 days to respond to the original debt notice sent but they don't even have my correct address on the alleged loan contract. They only have my current address because I wrote them FIRST.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My husband and I sent a letter to Equifax back in XXXX, asking them to investigate errors on our credit report.  I am attaching a copy of the letter we sent to them.  They are supposed to respond within 30 days, but have failed to do so.  We've tried to follow up with them about this, but we get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing this complaint in order to address a major issue I had with the US Bank. I fell victim to a scam after I had deposited a check and withdrew money orders which was initially cleared from the bank. It turned out the check was faulty and now the bank claims that I owe them the money I withdrew. 

My issue initially began on XX/XX/2017, when I took a trip to my local US Bank and was told that my account was frozen. The problem was a check I had recently deposited. 

Two weeks prior to this, I received a call from the number ( XXXX ) XXXX, claiming I had won a sweepstakes. The man on the other end had said that I had won {$850000.00} in cash and a XXXX XXXX valued at {$60000.00}. He had instructed me to wait for a check in the mail in order to claim my prize. A week later, I received a check of {$2700.00}, which I deposited to my US Bank account. 

After the deposit had cleared, I headed off to my local post office and purchased four money orders of {$500.00} each. I began to mail out the money orders to the respective sweepstake addresses needed to claim my prize. Two of them were mailed out to an XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, NC XXXX, and the other two were mailed to a XXXX XXXX at XXXX XXXX XXXX Wy, XXXX AL, XXXX. 

However after this was done I was told by the US Bank that the check had declined and that I owed them the {$2000.00} that I had previously withdrawn from the money orders. I attempted to call the original number again to fix this. However, I received no answer. I am extremely distraught by this issue and how the US Bank allowed me to send out money I did not have to a scam.

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 2018-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I had a lease with GM Financial for a XXXX XXXX. At the end of the lease term, I worked with my local credit union to get a loan to buy the car. I closed on my auto loan on XX/XX/XXXX. The loan amount was based on the payoff information provided by GM Financial. In XXXX, I received a call from GM Financial advising me that my lease payment was late. When I told them I had purchased the car, they said they did not have that information. I called the dealership who sent GM Financial the check and they show that the check cleared on XX/XX/XXXX. GM Financial reported a late payment to my credit bureau.I have called them multiple times and they refuse to remove the late payment report.Every time I call they act like they have no idea what I'm talking about, why I'm calling. They told me that the dealer needs to send them a copy of the cancelled check ( which they have done ). Nevertheless, GM Financial will not remove the negative report from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is refusing to update information on my consumer report. The account with friendly loans is open and paid on time. The account is about 30 points on my score, the account was not deleted by the lender as per the lender. Experian is refusing to update the information. It's showing in thier record as deleted in 2017, yet the lender has not deleted the file. The lender has provided me with a customer statement that Experian refuses to accept. the FCRA states that they must consider all information I send to prove my case.

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 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The collection company is Transworld Systems Inc In attempting to collect a tollbooth debt which I already paid when I went though the tollbooth with my XXXX, they accidentally sent me a bill/documentation for someone elses debt. I was shocked. I got a copy of this persons medical bill, their name, and their address, not to mention medial information about them. Its a total breach of this persons confidentiality and that is why I am filing this complaint. Totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I received a notice of a loan available to me from Mariner Finance in XX/XX/XXXX. I went to the bank branch in person ( about 1 hour away from my home ) to take out a personal loan in the amount of {$1500.00}. I received less than this because about {$400.00} of that was the cost of taking out the loan. I made my first payment online in XX/XX/XXXX and signed up for automatic payments through my bank. I never received a statement from these people. In XX/XX/XXXX I get a phone call from Mariner Finance telling me I missed my payments. I explained to them that I was signed up for automatic payments but they said there must have been a problem because even though she could see that I had signed up for the automatic payments, it didn't go through. At that moment I paid two months over the phone with the representative and signed up again for automatic payments with the representative verifying the bank information. Again this company never sent ANY statements and I assumed everything was fine since I could see from my bank statements that they were taking the money from my account. On XX/XX/XXXX, I get another call from Mariner Finance. The representative again claims I am late. I ask her how that is possible if I am with automatic payments. She says she does not know how I got kicked out of automatic payments but now I could only make cash payments ( at the branch 1 hour away )! I tried to make an online payment but the system said no online payments allowed. I told the representative to send me a statement and all I get is a printed out list of payments. The list reveals that the first payment I made was reversed by them and again in XX/XX/XXXX. This company refuses to allow me to pay. They seem to want to make it impossible to pay their debt. It all seems VERY shady to me. I can not drive 1 hour every month to pay this bill. I honestly think this company has serious irregularities that should be looked into.

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 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MN

Complaint narrative:
My mortgage is serviced with FAY SERVICING.  They appear to be very shady with loan payments. I will give you 2 examples:1) back in XX/XX/XXXX they sent me (2) $XXXX check, I should have only received 1.  I call then and they had no idea what I was talking about.  I cashed them both.  I then noticed I had a late mortgage payment in XX/XX/XXXX--they took my payment that I made in XXXX to offset their "double check" to me.  Is this legal?? I have no idea but seems they should have just called me to ask for the money back.2) I regularly make payments for more than the amount due--I expect this "extra" money to be applied to my principal balance--however, they move the money to a suspense account and do not apply it to my principle.  I should not be paying interest on this principal payment reductions while the money sits in this suspense account.  I just want you to look into this servicing company.  If you order a 1 year snap shot of my mortgage you will see all of the issues that I have described above.  I do not feel they are on the up and up and feel I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My husband and I signed up to be mystery shoppers. We deposited two separate checks in the amounr of $XXXX each.  The bank released the checks and funds.  This was however a scam and gift cards were purchased and redeemed by the scammer.  We are asking that USAA our bank for over 20 years to be held accountable for releasing these funds from XXXX XXXX in the form of a cashiers check.  They are not protecting us, the consumer.  The scam has been reported to local authorities and the FTC so they are managing the scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Consumers Inc
State: VA

Complaint narrative:
This Debt Collection company, United Consumers ( their # is ( XXXX ) XXXX keeps calling MY new cell # that was previously assigned to someone called XXXX. They have REPEATEDLY called, and when I try to tell them this isn't her # anymore, they just talk LOUDLY OVER ME, ignore what I'm saying and KEEP CALLING, AGAIN, AGAIN and AGAIN!! This is NOT EVEN MY DEBT THAT THEY ARE HARASSING ME OVER!! 

They have called on : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX and this are just the dates and times I started keeping track of to report them. They started called me in XX/XX/ when I first got this new cell #.

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 2018-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: WI

Complaint narrative:
I am enrolled in Public Service Loan Forgiveness program and I am not getting any feedback as far as the number of qualifying payments that I have made towards the required 120.  I have certified my employment every year so that this is easier to track but yet when I call and request a print out of payments made they say that it will be about 90 days.  Although that is a long time I will accept it but even after the 90 days I still don't have any information.  Currently I am working on about 150 days with no response.  The last person that I talked with looked at my account and said I should have over 70 qualifying payments but when I log into their website it says 55, this may not be updated but we are talking over a years worth of payments difference.My biggest worry is that I'm going to have 120 qualifying payments and I am going to be still paying for a year until they get around to forgiving my student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My student loans where discharge due to XXXX and they are still appearing on my credit file

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 2018-02-08 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: BB&T CORPORATION
State: NC

Complaint narrative:
I WAS CHARGED FOR SEVERAL CHARGES THAT I DID NOT AUTHORIZE AND NEVER DID BUSINESS WITH ANY OF THESE SAID COMPANIES. I HAVE NO IDEA WHO THEY ARE AND HOW THEY RECIEVED MY INFORMATION BUT I WOULD LIKE TO GET MY MONEY BACK. I CONTACTED THE CREDIT CARD WHEN I NOTICED THESE CHARGES ON MY STATEMENTS BACK WHEN THEY WERE CHARGED TO MY ACCOUNT AND THE CREDIT CARD COMPANY DID NOTHING. I AM NOW WITH THE HELP FROM A FRIEND TRYING TO GET MY MONEY BACK AND MY FRIEND AND I CALLED BB & T CREDIT CARD AND REP SAID THAT THEY COULDNT GO BACK THAT FAR BUT WE COULD SEND A COPY OF STATEMENTS ALONG WITH A LETTER TELLING THEM WHY THIS IS FRAUD AND THEY WILL INVESTIGATE THIS MATTER. I HAVE ALREADY BEEN THROUGH THIS PROCESS AND NOTHING WAS DONE AND HERE I AM YEARS LATER AND STILL FIGHTING TO GET MY MONEY BACK. I WILL LIST ALL CHARGES .... 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER AUTHORIZED ANY OF THESE TRANSACTIONS AT ALL. PLEASE HELP ME GET MY MONEY BACK

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 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I tried with Ocwen to get assistance but kept getting denied. My husband I eventually had to file bankruptcy with a bankruptcy attorney. On XX/XX/XXXX we filed. It put a hold on our auction. We received a new date of XX/XX/XXXX. But our bankruptcy discharge wasn’t until XX/XX/XXXX. The week of XXXX  we went to meet the bankruptcy trustee. No creditors attended. After that meeting we received another letter saying our auction was going to be XX/XX/XXXX. Now it took until XX/XX/XXXX to get the discharge. I contacted the bankruptcy div of Ocwen on the XX/XX/XXXX. The auction was on hold. By Monday when they received the concent by my attorney. It was off. Hold and we now only have less that 2 weeks. Shouldn’t we have received 30 days. They need that much for the loan mod paperwork. That’s all I want is 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I was covered by Medicaid for all medical expenses. This company is trying to collect a debt that I do not owe and does not belong to me. I have request Gold Key Credit, Inc to provide validation of debt from original consumer, which I have not received any information relating to my request. I would like Gold Key to remove this derogartory collection account from all credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX during the economic downturn, I had a vehicle repossessed by my lender for no apparent reason.  I recovered the vehicle from the bank 2 days later.  A few years after this incident, I decided to pay off the vehicle to save on interest.  For many years the negative credit rating of late payments and the repossession made it hard for me to obtain preferable rates and new loans.  After 7 long years of suffering, the account finally switched over to a positive status.  Nevertheless, the lender {SunTrust Bank} decided to add negative comments to my now positive account stating, “redeem repossession.”  I’ve explained this issue to SunTrust and all three credit agencies on SEVERAL occasions.  However, each entity continues to “yes, yes, yes, I understand” but no changes are being made.  An account can only be negative or positive—it shouldn’t be listed as positive yet have negative comments below it.  There is no middle ground.  I’ve been denied loans and credit card increases do to the negative remarks that continues to display on my reports.  I have disputed this matter many times over, nonetheless, SunTrust continues to abuse their powers without any regard on how this issue is affecting me, my family and my business ability to prosper.  I’ve been told this account status is schedule to remain on my credit report until XX/XX/XXXX.  With that being said—there’s no way any negative reporting including bankruptcies should follow a person for 13 years.  A consumer reporting agency cannot report negative information that is more than seven years old.  The stress and sleepless night have gone on long enough

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 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Company is attempting to collect on a debt that is not owed, and failed to send proper documentation validating the debt Not Verifying it. They are reporting this inaccurate information on my credit report, and cannot provide the proper documentation in which a written letter was sent XX/XX/XXXX asking them to provide me with copies which they failed to provide so they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The debt was forgiven due to XXXX  and was agreed to be removed off my credit file

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 2018-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am making a complaint about this medical bill that should have been satisfied back XX/XX/XXXX,  I have reach out to the hospital to discuss this matter a number times over the pass couple years and most recently in XX/XX/XXXX and they are no longer able to provide me with any information.    I was informed that I will need to contact  Receivable Solutions Inc,  I have reach out this Receivable Solutions with no resolution due to they are not he original creditor for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My student loans where discharge due to XXXX and they are still appearing on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
ON XX/XX/XXXX I MADE AN ADVANCED 1 MONTH PAYMENT FOR MY MORTGAGE TO GO BI-WEEKLY. TRANSACTION # XXXX  TEL ID# XXXX IN THE AMOUNT OF $XXXX. SINCE XX/XX/XXXX I HAVE BEEN RECEIVEING THREATENING LETTERS AND PHONE CALLS FROM PNC BANK THAT I HAVE BEEN DELINQUENT 1 MONTH BECAUSE THEY NEVER RECIEVED THE PAYMENT IN QUESTION. I HAVE COMMUNICATED AND FAXED OVER MY BANK STATEMENTS SHOWING PROOF OF THE PAYMENT WITH THE TRANSACTION NUMBER AND NOW IN XX/XX/XXXX THE HARRASSMENT AND LETTERS HAS NOT STOPPED. PNC BANK IS UNWILLING TO FIX THEIR MISTAKE THEY ARE CAUSING MY FAMILY AND MYSELF UNDUE STRESS THAT I MUST CONTACT YOU FOR HELP.THANK YOUXXXX XXXX (XXXX)-XXXX

Company response to consumer: Closed with explanation