vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
On my XXXX report, Net Credit as of,XX/XX/XXXX, is listing my account as being closed on XX/XX/XXXX and reporting the account as closed/charge-off. However, all other reports have shown that the account was closed/sent to collections in XX/XX/XXXX. I entered in a payment arrangement with Net Credit in XX/XX/XXXXand agreed to pay {$170.00} per month for 61 months. I have been paying said amount since XXXX. On XX/XX/XXXX I received an email from Net Credit offering me another payment plan of {$170.00} for 55 months. With my account now reporting that it was closed on XX/XX/XXXX - I find it peculiar that I received that an email 2 days before asking me to enter into a new payment arrangement. With the new reporting date, Net Credit is purposefully try to re-age this account to keep it on my credit report a year longer than it is supposed to be. Net Credit with it 's obscene interest rates and predatory lending practices has already wreaked enough financial and emotional hardship ( to include almost making me lose my job ) that at the very least they can correct their reporting to the credit bureau. I would also like to ask the company to remove the charge-off status on my report. I am in the process of trying to refinance my home to pay for the extensive medical care that my XXXX year old son needs. He has a XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ), and his medical bills are mounting. This charge off status is not allowing for the refinance to happen and is literally going to cause my child to miss out on the medical care that he so desparately needs. While I doubt this company cares about the health of my child and or my circumstance, it would be life saving if they did.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
I have received a foreclosure notice dated XX/XX/XXXX but I just got it on XX/XX/XXXX. I was on a 6mth forbearance for unemployment with the last payment on XX/XX/XXXX. Throught this whole time I have made my agreed upon payments and I have asked several people what happens when the 6 months is over. They all said I would get another packet to fill out for assistance. I have not received anything but this foreclosure notice. I feel like they should have contacted me or sent me a packet to re apply for assistance not immediately send me to foreclosure. I do n't feel like they followed all the steps necessary to help me in the time of a hardship. Please help I do not want to lose my home and end up with a foreclosure on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report in XXXX 2017 & noticed " XXXX '' unauthorized inquiries reporting to my TransUnion credit report : ( XXXX ) XXXX/XXXX dated XX/XX/17 & ( XXXX ) XXXX/XXXX dated XX/XX/17. I have written TransUnion several times ( certified mail ) notifying them that the inquiries were not mine, are unauthorized, and were not solicited by myself ( verbally or electronically ) on multiple occasions. I do not have " any '' accounts with these companies, have no interest in their services, and have not requested their services. To no avail, TransUnion has " responded '' every single time with an " explanation '' of what an inquiry is. I have also, previously requested that they " stop '' responding with a letter of " explanation '' as to what an inquiry is - and to remove the inquiries immediately. My credit score with TransUnion is in the mid XXXX XXXX consistently - as I am a homeowner & business owner, and I am very responsible with my credit. Due to these " XXXX '' credit inquiries & TransUnion completely ignoring my admission that the inquiries are innaccurate & unauthorized by myself : TransUnion Credit Reporting Agency has directly resulted in my being denied " credit '' as a direct cause of these unauthorized inquires. Due to me requesting the deletion of these " XXXX '' inquiries and requesting correct, accurate, reporting within my personal consumer credit file to TransUnion for " months '', TransUnion has caused me great stress by damaging my credibility with potential lenders, and has been a direct result of great emotional, mental, and physical stress by lowering my credit score. This is very scary and I have since proactively obtained several credit monitoring services, and of course, these services are being provided to me for a monetary fee. This has been a nightmare! Before these inquiries " appeared '', I was in the " upper '' XXXX XXXX as I am with the other credit reporting agencies. Please help & get this consistent problem of inaccuracy resolved.

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 2017-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
After 5 years of trying to obtain a modification from my lender, BSI Financial Services, I was granted one in XX/XX/XXXX. My 1st payment was due on XX/XX/XXXX with a 10 day grace period. I sent my payment in the form of money orders, certified mail, on XX/XX/XXXX. On XX/XX/XXXX, I called my loss mitigation specialist, XXXX XXXX to confirm the receipt of payment. She did not answer, so I left a message and sent an email. I called again on XX/XX/XXXX and XXXX XXXX answered. I asked if my payment had been received. She said no. I told her that I sent the payment certified mail and the post office told me that the payment had reached its destination. I also told her that I called XXXX XXXX to see if the money orders had been cashed. They hadnt. I informed her that I had taken pictures of the money orders after I filled them out, before I mailed them. She asked me to email her the picture. I did. She confirmed receipt of the email. I called and emailed almost everyday for the remainder of that month asking if the payment had been received. On XX/XX/XXXX, I called BSI to make my second payment over the phone using my debit card. My call was answered by XXXX ext : XXXX in XXXX PA. He told me that he could not accept my payment because there was a code on my account that needed to be removed by my loss mitigation specialists. I asked to be transferred to my specialist, but XXXX XXXX was not available. I left her a message letting her know that I was having issues with their system and to please advise me as to what I should do. Over the next week I called 5 times, but was unable to reach XXXX XXXX. Finally, on XX/XX/XXXX I was able to reach XXXX XXXX and she told me that BSI would not accept my second payment because my first payment had not yet been received which meant it was late and I had defaulted on my agreement. She said the agreement was now null and void and BSI would reinstate foreclosure proceedings. I told her that my payment not being received was not my fault and that I had sent it certified mail. She said they hadnt received it yet, and the matter was out of her hands. Later that month, when I received my next billing statement it reflected that my payment had been received and applied to my balance. I have been trying since XX/XX/XXXX to obtain another modification, but BSI has been completely uncooperative. BSI has been trying ever since to foreclose on my home, to the point that I have had to file for bankruptcy protection. I am currently in Bankruptcy. I am not asking for special treatment, I simply want the modification I was promised and worked so hard to obtain so that I may keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I reached out to Phoenix Financial Services by certified mail on XX/XX/XXXX to validate a debt that was reporting on my credit report. Phoenix Financial then mailed me out a letter dated on XX/XX/XXXX that they could not verify the debt and it  will be deleted from all 3 credit bureaus. XX/XX/XXXX i received notification from XXXX XXXX and XXXX that all of those accounts were deleted from Phoenix Financial. I then received another letter dated on on XX/XX/XXXX from Phoenix Financial that they were confirming that all accounts were closed and returned to the original creditor. Today, XX/XX/XXXX I received an alert from XXXX that new collection account was placed on my XXXX  report from Phoenix Financial Services. Phoenix Financial did not send me anything prior to reporting this onto my credit report nor did they give me enough time to validate this debt. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material.
( ii ) Notice to Consumer I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for you blatant disregard for the law. I Have attached copies of those letters from Phoenix Financial Services in regards of the deletions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
XXXX XXXX sold off account to Selip & Stylianous LLP. Without notifying me that the account was sold off, Selip and Stylianous sent me via the XXXX County Court System a notification that they are suing me on behalf of XXXX XXXX. When I contacted XXXX XXXX, they said that the account was not theirs anymore and had nothing to do with the lawsuit. I inquired to Selip and Stylianous LLP about why they never contacted me before suing me and they would not respond.

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 2017-07-23 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: Equitable Acceptance Corp
State: WI

Complaint narrative:
I was involved in a fraud scam. In XX/XX/XXXX of last year, I set up a payment plan with this company for my student loans to be paid off in the next 10 years if I pay this amount for 10 years. I had no idea that they were taking the money and pocketed it. I just want my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XXXX XXXX, 2017, Ally Financial had my vehicle repossessed since the vehicles lease was matured ( ended ). They did not give the customer any notification of this as they failed to contact the customer in regards to his post-lease options such as financing and or extending the lease.

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 2017-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA

Complaint narrative:
I went into XXXX XXXX to buy a car. I was in urgent need since my car had been totalled and I needed a car to get to and from work and get my kids to where they needed to be. I saw a XXXX XXXX for Sale, the sales man told me they would sell it to me for {$17000.00}. I test drive it and it sounded ok, the stearing wheel was hard but i figured it was because I was used to driving an old car. Once I got to finance the gentleman convinced me on getting an extra insurnace for the car. He said it would only add a couple dollars to my monthly payment. I said ok he never told me the total amount i was going to end up paying he also never said anything about GAP insurance. I signed my paperwork and the total amout that was going to be financed was about {$13000.00} after my {$4500.00} downpayment. I went to my insuramce and they suggested I go back and ask if i could get gap insurnace on the car since they didnt provide me with that. I did and we did everything in a hurry because that was all that was being added to the paperwork he had me sign all of my new paperwork in a hurry he took my old paperwork and shredded it. After I got my paperwork from the bank it showed a remainder balance of {$19000.00}!! I called and asked if it showed the {$4500.00} downpayment that i had given, and she said I would have to talk to the dealership about that. I went to my car and grabbed my paperwork and saw infact that was what the dealer had sent to be finanzed, it has an add on of {$990.00} and an add on of {$2600.00} for service all of my paperwork shows different amounts! Everything is done so wrong! I also found out they gave me a vehicle that had some part broke and that is why the stearing wheel drove so bad. I am so mad and sad that they would take advantage of me this way! Just because I was in a big hurry to buy a car. I am so upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 Experian received notice ( see attached certified mail/return receipt ) for document copies from their files regarding inaccurate items in my credit files ; pursuant to FCRA, 15 U.S.C. Subsection 168 1g. It has now been more than 90 days. Not all items have been removed pursuant to the law nor have I received any supporting documentation.

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 2017-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
On approximately XXXX-XXXX-2017 I visited Ace Cash Express located at XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, my intent for the visit was to recieve a payday loan. After providing all required documentation, a cash advance of {$200.00} was approved, I understood the funds were provided through third party was given a due date in which the loan should be paid back and left the business. On XXXX-XXXX-2017 I returned to the business named above to pay my loan and borrow it back, once again provided all of the documentation requested by the company and was denied by the CSR, I called the XXXX number provided as well as the third party lender only to hear there was nothing that could be done about the situation. I need answers. I am highly seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 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: GA

Complaint narrative:
On XXXX XXXX, 2017 Equifax received notice ( see attached certified mail/return receipt ) for document copies from their files regarding inaccurate items in my credit files ; pursuant to FCRA, 15 U.S.C. Subsection 168 1g. It has now been more than 90 days. Not all items have been removed pursuant to the law nor have I received any supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: NV

Complaint narrative:
Received a notice of debt collection by a company named ARA Inc in the amount of {$2800.00} owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I got a recent latter from Comenity Capital Bank c/o PayPal Credit so I received the later XX/XX/2017 that  I XXXX XXXX recently requested to open a PayPal account. Our records show that I requested to open an account or make a purchase using PayPal Credit payment on XX/XX/2017 so ... This is fraud and hucking my account ... I do n't open any account in this day or nor have a PayPal Credit Card ... That day this state that I am opening an account is not true due to we are on Vacation and not intending to have a reason to have a new credit card or PayPal. So XX/XX/2017 at around XXXX XXXX I contact the Company Comenity Capital Bank c/o PayPal so the costumer service put me on hold for few minutes and gave me to another costumer service who just ask about my complain and said nothing regarding how to resolve or help me but instead after I gave my reference number just said nothing and hang the phone so when I am trying to call again nobody is answering ... Be ware to this kind of Bank to all who sees my letter ... hope to hear from your answer ... Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My old roommate used mt name and business to file a fake payroll account at her company XXXX in 2015. I was unaware of this and did not authorize this. Many months later I received letters from XXXX proclaiming I owed them taxes for employees I paid. I did not have any employees besides XXXX XXXX XXXX XXXX XXXX and I had never filed a payroll. When I called XXXX my roommate was fired for fraud and forgery, but they did not attempt to fix the error with the XXXX. The XXXX later put a public records lien against me for the amount the claimed I owed, and took the money from my savings account. I contacted them and they admitted their mistake and released the lien, but the lien was already on my credit report. When I contested the issue with Equifax they said they reviewed the lien and the information is correct. Yes the lein was filed against me, but it was done so by action of fraud against me and the mistake of XXXX. This mistake by Equifax has hindered my ability in being accepted for any loans or credit cards. I am being punished for the actions of someone else and it is affecting my ability to operate my business, buy a home, and live my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Received a notice of debt collection by a company named XXXX XXXX in the amount of {$2800.00} owed to Wells Fargo Bank. I contacted Wells Fargo Bank to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.

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 2017-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase is making it very difficult to honor a referral that I made to an individual for applying for a credit card. I sent multiple emails that the individual never received and then called the day prior to the individual signing up for the card to verify that I had indeed been attempting ( in vain ) to refer this person. After agreeing that I had made attempts to refer the friend to the credit card they have now been difficult in applying the credit to my account. It 's not resolved but they say I will be credited. Waiting to see, after several phone calls ( which I should n't have had to make ), if they will follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
I helped a friend bail out of jail and they were going to take care of their bail but never did. I did everything in my power to get the person back into custody including going to the XXXX on a free trip paid by the bail agency to get her back.

Company response to consumer: Closed with explanation