vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
We have a disputed account that is being claimed as owed by a collection agency that is not correct. We have no idea what the demand is for other than the Business name. 
We think it is about an XXXX XXXX XXXX equipment return that we did at a local XXXX XXXX XXXX office where we returned equipment but their system was down. We were told everything would be okay and to just leave the equipment. The equipment was returned to an XXXX XXXX XXXX store on XXXX by the XXXX here in XXXX XXXX, Texas. Diversified is the collection agency assigned to collect but they have not provided me an account number nor have I received any collection letters. I have no clue what to do other than ask for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: Alpine Credit, Inc
State: CO

Complaint narrative:
Alpine Credit has reported a balance of {$59.00} on all ( 3 ) of my Credit Reports. I had owed XXXX XXXX XXXX and they were actually overpaid. Now, they owe me money as I paid them {$70.00}. I disputed this with all ( 3 ) Reporting Agencies and it was only removed from XXXX. When disputed with XXXX, Alpine stated to XXXX that as of XX/XX/19, I still owe {$59.00} which is incorrect. I then contacted Alpine Credit and sent them proof that this was paid to the servicer and that they need to remove this incorrect information from my report immediately and have had no response. If this isn't removed, I will contact an attorney and see what I can do about their false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: AR

Complaint narrative:
The loan is From American Education Services. The loan has reached statute of limitation and Im no longer responsible for debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Just after I got an auto loan with GM Financial in XX/XX/2018, I had two unexpected life events. The first one was the sickness and later dead of my father, unfortunately he was diagnosticated with XXXX XXXX in XX/XX/2018, his sickness impacted my household income, I didnt expected a situation where my full income went straight to my family basics needs when I applied for the loan. 
To make everything worse I was impacted by the destructive wildfires across all California in 2018, I was impacted because the wildfires prevent me to access to my workplace and continue working. It was a time that my work was completely stopped by weeks, at some point inconsistent. As result of the wildfires my income was reduced for less than the half, but it was a disaster out of my control. 
With my father in the hospital I was paying all the basic life bills and expenses as food, electricity, rent, etc. with a reduced income. With the time my father passed away, but then I had to get enough money to pay a funeral. 
From someway or other I made my vehicle payments, but not in the right time due to those catastrophic events ( My father sickness and later dead and the 2018 wildfires season in California ) out of my control, Life happens. As results of all these my credit history was destroyed, I called GM Financial to ask for a relief or forgiveness with the late payments in my credit history, but they were unable work on it, even when the 2018 Wildfires in California were National Emergency. I am not asking for a forgiveness in money, I am just asking to delete or remove the late payments in my credit history, the creditor should provide a relief due to Catastrophic and National Emergencies like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My issue is with Navient, the company that inherited my private student loan from Sallie Mae. After the transfer, Navient refused to continue to defer my loans while I continue my graduate education. They temporarily placed me in a Rate Reduction Program, but changed the terms of that program at will. After making my payments faithfully for four years, they will no longer extend the Rate Reduction Program nor defer my loans while I am in school. Each time I call to request help, I am given no options to lower my payments or defer my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in XX/XX/2019 my credit score with Transunion and Equifax were both over 600. At that point my utilization was at 90 % and I had eight derogatory accounts which had been reporting for several years. 

In XXXX of 2019 I had brought my utilization down to 30 %, one derogatory account was removed and instead of my score  increasing it dropped by 50 points ( equifax ) XXXX ( transunion ). seven days later both had dropped another XXXX points. 

I would like to point out that nothing else on my credit files changed.the only change was dropping my utilization percent and one collection account removed from my file. 

I have called both transunion and equifax to inquire why my score would drop when I have only positive changes to my reports. Neither companies could tell me a reason. neither company could tell me who could explain this drop when it should have been an increase. 

I would like to know who can tell me or who is responsible for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX. I have opened an account with the Cash App using my XXXX app store. I opened my account with Cash app and was sent a debit card with my name etched on it ending in XXXX originally. I lost that card during move and received a second card ending XXXX. I receive my federal VA benefits on the XXXX in amount of XXXX and a state XXXX in amount of XXXX on the XXXX of each month. this month on the XXXX of the month Cash app took all money away and now i do not have access to any of it. I have been evicted from my home, i can not pay any of my bills and i am very upset. I need this figured out and my money to be returned asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
The only utility company in XXXX, OR will not give me service because of an almost XXXX year debt that has since been sent to collections and closed by the agency. They say they will continue to refuse me service until I'm in good standing with the debt collectors. Professional Credit Services. I'm very low on cash and don't know what I should do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Loan Summary ( Loan # : XXXX ) My account XXXX On XX/XX/XXXX I borrowed {$10000.00} on a personal loan at 34 % interest rate, I was desperate and needed the money. Biweekly payments are {$190.00} or {$380.00} per month. they only do direct debits and debit my checking account every other Friday, so, the date keeps changing, and so does the application of my payment- the amount of interest and principal keeps changing- this does not sound correct, but they tell me its because the dates change for the payments- that's complaint # 1 we need to look into- see my documents attached. 
# 2 on XX/XX/XXXX I made large payment of {$4000.00} to reduce my balance and interest, I did it with rep. who charged me to take the payment, he said that the balance, principal and interest would update automatically within 24 hours, they did not, see attached, so I have called them 3-4 times and they said they would send me a corrected payment schedule, but they have not despite my repeated calls and e-mails, this is illegal in the State of CA. Reg. Z demands that principal and interests payments and APR be reflected accurately on any loan. In one e-mail to me they said I had used an e-mail address not on file, so they would only respond to the e-mail address on file, I said fine. then after 2 days I called again and they said they would send it by Monday the XXXX.  and on Sat the XXXX. I got another e-mail from them telling me that noting would be forthcoming because I had already spoken to another rep. they are usurious and dis honest and should be penalized. Pls. see attached Documents and e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in XX/XX/2019 my credit score with Transunion and XXXX were both over 600. At that point my utilization was at 90 % and I had eight derogatory accounts which had been reporting for several years. 

In XXXX of 2019 I had brought my utilization down to 30 %, one derogatory account was removed and instead of my score increasing it dropped by 50 points ( XXXX  ) .30 ( transunion ). seven days later both had dropped another 14 points. 

I would like to point out that nothing else on my credit files changed.the only change was dropping my utilization percent and one collection account removed from my file. 

I have called both transunion and equifax to inquire why my score would drop when I have only positive changes to my reports. Neither companies could tell me a reason. neither company could tell me who could explain this drop when it should have been an increase. 

I would like to know who can tell me or who is responsible for this 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 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: OH

Complaint narrative:
Cashcall Mortage appears to have sold my loan to XXXX. I received a mortage statement from both companies dated XXXX for payment due on XXXX. I did get a hello letter from XXXX. I contacted Cashcall and my auto debit was still pending for XXXX and they stated on the phone they never sent out a good bye letter as they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Veros Credit, LLC
State: CA

Complaint narrative:
VEROS CREDIT Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX is reporting a past due charge off account to the credit bureaus ruining my credit. When car was returned the lender Veros stated there was no balance due to the fact that automobile was auctioned off for more than was owed .... years later they are still reporting this account now with XXXX past due how is it fair? Numerous attempts to validate this account went ignored with no answer from the merchant Veros and account is still reporting negatively on the credit report ....

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
We had our Mortgage with Ocwen and it was refinanced. our current lender and title company sent the funds to pay off my mortgage on XX/XX/XXXX. it is 30 days later and Ocwen/PHH has not resolved anything regarding this issues. we are very frustrated and don't know what to do. 
We have called the mortgage company Ocwen/PHH AND HAVE NOT RESOLVED IT. I AM NOW PAYING DOUBLE MORTAGES. 
TITLE COMPANY WAS XXXX XXXX XXXX XXXX XXXX WAS THE COMPANY THAT DID THE REFIANNCE OCWEN/PHH was my prevsoiu company that was supposed to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Assist
State: FL

Complaint narrative:
please provide via us mail, any and all documentation regarding my student loan. 

thank you.

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MO

Complaint narrative:
On the morning of XXXX XXXX I called the number on the card to gather my balance and it was {$15.00}!!! I then went on the web page and discovered that, from XX/XX/2019 thru XX/XX/2019, a company named XXXX had fraudulently did 22 cash transactions ( including international purchase fees ) that were debited from my card, two of them were pending ( TOTAL {$400.00} )!! I called the Fraud department at Comerica Bank, reported everything and they will be sending me a new card and a Fraud Packet to be completed by me.I mailed a written letter today that they encouraged me to do and they had also stated that all the transactions were made on the internet. They also said that it will take up to 90-days to complete the investigation yet I need to pay my bills!! Someone or something committed FRAUD and IDENTITY THEFT on me!! HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP
State: ND

Complaint narrative:
This company continues to impede my way of life. They are sabotaging my ability to get a job and get a apartment. They use stand inns which derail all my applications. I am broke, XXXX and possibly XXXX. 

They are also rerouting my calls I make to attorneys for help. 
They reroute all my communications to there servers in texas

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC closed my credit card ( acct # XXXX ) account because of inactivity without giving me reasonable time to respond and redeem my points prior to closing my account. They alleged that they send me a letter during the last week in XX/XX/XXXX. However I was out of the country and I even told them about my plans in early XX/XX/XXXXbefore I left so I can have access to my credit card and bank account while I was away in XXXX. During that phone call, they never mentioned about my credit card account will be closing soon and I would forfeit all my points if I don't redeem it before that date. Upon returning, I found out that my credit card account has been close and the reward points were all taken away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NV

Complaint narrative:
I have contacted this company multiple times on multiple occasions this company never lets you speak to a representative all they do is continue to bounce me around from place to place to place, they keep you on hold for ages and transferring you from person to person they never let you work with someone, they hang up on you, and they never call you back. I have contacted this company multiple times trying to get on a repayment plan and nobody wants to work with you, their employees are extremely disrespectful and never are willing to work with you no matter how many times you try. Im not sure how a company expects you to work with them and pay off a debt when they refuse to work with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: FL

Complaint narrative:
Allied interstate is sending me billing letters for {$570.00} A already paid account to XXXX XXXX XXXX account ending in # XXXX.I have asked for verification of the account I got no respond and sent a XXXX to include this collector in the event of XX/XX/2018 with XXXX XXXX XXXX and any other company attached to this XXXX XXXX account number ending in # XXXX allied interstate is trying to get paid for account not owed.

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 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have contacted this company multiple times on multiple occasions this company never lets you speak to a representative all they do is continue to bounce me around from place to place to place, they keep you on hold for ages and transferring you from person to person they never let you work with someone, they hang up on you, and they never call you back. I have contacted this company multiple times trying to get on a repayment plan and nobody wants to work with you, their employees are extremely disrespectful and never are willing to work with you no matter how many times you try. Im not sure how a company expects you to work with them and pay off a debt when they refuse to work with you.

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 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I SENT A CERTIFIED LETTER TO IMC CREDIT SERVICE AT XXXX XXXX XXXX   XXXX IN XXXX ON XX/XX/2019 AND I JUST RECEIVE A TIME EXP RTN TO SENDER ON XX/XX/2019 ( 1 MONTH LATER ) WITH THE ADDRESS XXXX XXXX XXXX XXXX, IN XXXX, USPS SIGNATURE TRACKING NUMBER XXXX THIS WAS DONE ON PURPOSE FROM IMC CREDIT SERVICE. IN DISPUTE TO A MEDICAL BILL THEY SAY I OWE THEM, I SPENT MONEY ON SENDING CERTIFIED MAIL TO THIS COMPANY AND YET THEY ARE STILL IGNORING ME, THEY KNOW THEY ARE IN THE WRONG THESE COLLECTION COMPANIES AND THE CREDIT BUREAUS ARE BREAKING SO MANY FCRA LAWS AND NOTHING IS NEVER DONE TO THEM, BUT IF A CONSUMER BREAKS A LAW, THEY ARE SENT TO JAIL OR FINED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
For a few years I have been on an income repayment plan with FedLoan. The monthly payment was {$330.00} for a few years. Today I received a phone call from FedLoan saying that my loan is in default, yet I have not missed a payment in the last few years. I am told that my repayment plan was not renewed in XX/XX/XXXX and the payments I have been making each month for the last year have only been partial payments. I had assumed everything was okay. I spoke with them in XXXX of last year to clear things up and I was told it would be okay and continue making payments. Now they are saying that I am more than $ XXXX in back payments ( again making payments each month ) and that it is affecting my credit history. I thought my credit history was okay but I did not know that I was in this type of trouble. Not only that but my payments for the last year do not count toward my repayment in 10 year plan. What can I do? My father was in the XXXX XXXX but has since died in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: AL

Complaint narrative:
I was taken to court by the Jefferson Capital System, LLC. The judge ruled in favor of the plaintiff for me to make arrangements to pay off debt. I called on yesterday and spoke with a lady who did not identify herself. I told her the nature of the call and she became rude by calling me a liar when I explained my income of SSI. She continued to ask why I did not pay the bill in 2017 and I explained that my income varies from month to month. I became upset and got a little loud on the phone and the representative from Jefferson Capital System told me that I was not going to get loud in her ear because she had to work until XXXX and she was not going to have a headache and then she hung the phone up on me.

Company response to consumer: Closed with explanation