vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 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: Happy Money, Inc.
State: NJ

Complaint narrative:
The company had switched my payments from monthly to bi monthly to accommodate my job loss over one year ago. The past two weeks I have been getting late payment emails and received a credit alert on XX/XX/XXXX indicating there was a credit hit from payoff. I called payoff and after further investigation, the rep informed me that back in XXXX, when they switched payment plans, it looks like a portion of the minimum due was overlooked. This was news to me because for the past year, I have called in my payments monthly to a representative and no one has told me that. The representative apologized and said that I need to dispute the credit hit but as a courtesy, she will waive the XXXX payment that is due in the amount of {$490.00} if I can pay the assumed overdue of {$490.00} from XXXX, putting me back on track. I agreed and authorized {$490.00} to be paid on XX/XX/XXXX according to their pay schedule as payment has to be received before the XXXX of each month. Then on XX/XX/XXXX, I received an email confirmation of my pending payment of {$490.00} to be withdrawn on XX/XX/XXXX ; however, the amount they logged in was {$4900.00}. I immediately called them and was extremely upset because I dont have that in my bank acct and furthermore, thats not what was agreed on. I spoke to a manager named XXXX XXXX who said he could do nothing on his end and to call my bank. I called my bank and spoke to a supervisor who escalated the issue and stopped payment of the {$4900.00}. Then I received another email that evening from payoff indicating that they made a mistake and payment was really {$490.00}. Then, on XX/XX/XXXX I received a txt from payoff saying my payment was late! I answered back that the {$490.00} cleared my bank as of XX/XX/XXXX and XXXX payment was skipped per my conversations with them on XX/XX/XXXX. Now, today, XX/XX/XXXX, I received another credit hit alert, my credit was hit again by payoff for late payment fee. No payments are actually late and my credit is taking a giant hit of over XXXX points. Payoff has hit my credit on XX/XX/XXXX and XX/XX/XXXX! Please advise on this, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC
State: TX

Complaint narrative:
I received a call from Enhanced Recovery XX/XX/XXXX claiming I owe a credit card from XXXX for a total amount of {$1300.00}. I asked them to let me validate the debt by sending it to me in writing and they refused saying they are litigators and not collectors. They threatened to garnish wages, place a lien, and that my kids will visit me in XXXX. Shortly after the call, my credit report got an alert showing Enhanced Recovery reported a derogatory account for {$840.00}. As I'm writing this, I received another automated call stating that they are processing a court claim and need to verify my personal information - I hung up. How do I dispute this considering they are refusing to provide an address or validate the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: Nelnet, Inc.
State: NY

Complaint narrative:
Called great lakes borrower service about 3 weeks ago to request a copy of the master promissory note to verify their claim that they are legally allowed to capitalize interest and have interest accrued during unemployment deferment ( which according to their obudsman as well as the federal helpline is not how student loan prpducts are intended to be handled or were designed ). Great Lakes said they'd send me a copy of the MPN which they never did. I don't recall ever signing a master promissory note with them as all my student loans were originated from.XXXX  and shortly after graduation I was notified that my loans had now a new servicer without a choice given or any signature required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a debt collection company called Transworld Systems Inc. The letter itself states I have thirty days to dispute or pay a debt of {$170.00}, failure to communicate with them in thirty days results in admittance of debt, and that this debt was obtained from a creditor named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX states they formally held this debt from a company called XXXX XXXX XXXX. As for my actions, I notified a credit bureau to place a temporary fraud alert to protect my identity, and I notified this Transworld Systems Inc that I am disputing the debt. I lived in XXXX and utilized XXXX XXXX XXXX as my power company from XX/XX/XXXX-XX/XX/XXXX. I never had a delinquent account with them and I paid off my final bill in XX/XX/XXXX ( I moved from XXXX, XXXX  to XXXX  at the end of XX/XX/XXXX ). This is the first time in almost thirteen years I've been notified of any type of debt, and I believe that one or  more of the above companies is incorrect and possibly " scamming '' me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: WY

Complaint narrative:
On XX/XX/2020, I sent a message to Midland Credit Management via their website requesting validation of the amount of the debt they are collecting on. On XX/XX/2020, I received a XXXX 2 day air package from Midland Credit Management containing a letter requesting payment of a debt they purchased from XXXX XXXX XXXX, but no validation and no change in the amount. On XX/XX/2020, I sent the attached letter to Midland Credit Management via USPS first class mail requesting that they communicate with me via writing only and to provide validation of the debt, as I believe the amount they are seeking is more then the debt owed to the original creditor. 

On XX/XX/2020, they a female relative that I do not live with and told the relative that I listed their number as an alternate contact number that I could be reached at even though I sent a letter requesting written contact only. I never list relative information as an alternate contact number except on medical forms, and I only list my spouse 's information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Previously I filed a complaint against SP Servicing that they did not apply my funds appropriately. They responded back that I accrue daily interest. I demand my monthly interest amount when I paid my mortgage on XX/XX/2020 and they failed to respond to my request. They also said there was an error that had to be corrected and my previous interest was miscalculated. There was no error. They did not provide proof of the error or any documentation addressing that there was indeed an error. I demand proof of error. All they provided was a copy of my mortgage which I already have. These idiots truly believe that they can keep saying that my mortgage accrues daily interest and that justifies what they did. As stated my payment was {$930.00} dollars, but for one month they charged me over {$1100.00} interest. Interest was roughly {$500.00}. They must show how this interest was calculated or I will continue to file complaints until they do. In fact will be filing a complaint in the state of Texas where my home is located. Send me the proof I have demanded. They will refund my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NH

Complaint narrative:
ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM 12 XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this collection account as the account was paid in full to XXXX when account was closed 10 years ago and I have not since had another phone CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I write in connection with the Discover Card ending in XXXXThis charge off account is present on my credit report. The presence of this tradeline is in accurate. I submitted multiple disputes with the credit bureaus all of which were unsuccessful. I contacted Discover directly. Discover 's " proof '' that I was the obligor on the account was the existence of the bills. Discover provided no other evidence that I actually applied for the account. The existence of the monthly bills, in and of themselves, does not constitute proof that I am the actual account holder. Discover has never provided proof that I actually applied for the account or that I made payments.

It my position that I am not indebted to Discover Bank because I did not apply for or benefit from the goods and services provided by Discover Bank. I attach the monthly bills sent by discover It appears that origin of the Discover account in question relates to the XXXX XXXX XXXX # XXXX XXXX, California XXXX. I have no association with this address. Additionally, the mailing address was changed to a PO Box address in the last stages of the account. 


This account was opened without my consent in XXXX of 2014. The entire lifespan of the Discover Card account was less than 2 years. The account was used and benefitted by the identity thieves and discarded. In a short amount of time, the identity thieves abandoned the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good Afternoon, I contacted XXXX XXXX after receiving an alert on my credit file of an inquiry. After contacting company I explained to company Ive been a victim of identity theft since 2007. 

Ive had numerous bank accounts, housing and credit opened on my name. XXXX XXXX provided me a credit file that had incorrect information listed - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  Ive disputed XXXX XXXX - debt collector for XXXX XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX  sent documentation to be removed from credit file/ all other credit Bureaus have complied with removal however Experian and XXXX XXXX has not removed XXXX or XXXX XXXXXXXX XXXX which is the collection agency for XXXX. 

Attached is the letter from XXXX XXXX adjusters for removal. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are fraudulently opened accounts. To open account in my name company must ask identifying questions and contact me via phone. I never received a phone call from any of these companies. 

Attached are copies of police reports from XXXX now. Also attached is my -fraud Alert on my credit file. 
- report verification from XXXX XXXX. 
- letter sent of most recent attempt from XXXX XXXX. 

I have done my due diligence in contacting CFPB, FTC filing Police Reports, Registering on all major credit bureaus as an Identity Theft victim. This has been a nightmare. Please Help.

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 2020-03-19 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I did purchase of flight ticket through Delta on XX/XX/XXXX, and I got an ad of Delta SkyMiles Gold American Express Card popped to the screen when I checked out. In this ad, I will get {$250.00} statement credit on a Delta purchase and 40,000 bonus miles after {$2000.00} purchase on the new card ( I attach the ad here ). It was an attractive offer for me since I just need to book the ticket through Delta. I did apply that card immediately and got approved with the temporary card information that I could use to place the order of the Delta ticket ( {$280.00} ) on that day ( XX/XX/XXXX ). This week, I received the credit card, then I active and set up that card but I did not see the {$250.00} statement credit. I contacted with the Amex customer service and I was told I did not have the sign up bonus without any clear explanation. It is ridiculous to me since I am confident with my credit history. I can not understand that the card application was approved without any sign up bonus which is the most attractive reason for people to apply for a new card. The whole process seems like I was cheated to apply for a new credit card with {$99.00} annual fee and the hard pull will decrease my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a small personal loan today XX/XX/2020 because I was laid off of work and I need to pay off bills but I did not get approved because apparently there are accounts in negative standing appearing on my credit report. I was not aware of these accounts because I have always made sure to keep my credit history in good standing. I looked through my credit report and I found a total of eight accounts that do not belong to me. I have no idea who is responsible for opening all of these accounts in my name without my permission but I have already gone to file a police report. I did not benefit anything such as money, goods, services from any of these accounts nor am I affiliated to any of those companies in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX @ XXXX hours I received a call ( phone # XXXX ) from a man claiming to be XXXX XXXX XXXX XXXX XXXX XXXX ( Im guessing a debt collection agency ) & stated they were a contracted company out of the City of XXXX Finance Department. He stated that I had not filed/reported for a business license renewal for the year XXXX. Well Ive never applied for a XXXX license first of all, & secondly while I do in fact run a XXXX XXXX, all of my quarterly income & applicable taxes have been reported & filed with the city. My XXXX is in good standing. I believe he obtained my business name & an old address that I did business out of for less than 2 months possibly from discarded mail from that old location. He stated that if I didnt provide proof of this filing that the $ XXXX debt would remain in collections. I have already updated my address info with the city regarding my XXXX long before I received this call ( obviously a red flag ) so any legitimate paperwork would have been received at this updated address. At this time, Ive received nothing. I asked where I could send the proof & he gave me an email address of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a debt collection company called XXXX XXXX XXXX. The letter itself states I have thirty days to dispute or pay a debt of {$170.00}, failure to communicate with them in thirty days results in admittance of debt, and that this debt was obtained from a creditor named Orion Portfolio Services LLC. Orion Portfolio Services LLC states they formally held this debt from a company called XXXX XXXX XXXX. As for my actions, I notified a credit bureau to place a temporary fraud alert to protect my identity, and I notified this XXXX XXXX XXXX that I am disputing the debt. I lived in XXXX and utilized XXXX XXXX XXXX as my power company from XX/XX/XXXX-XX/XX/XXXX. I never had a delinquent account with them and I paid off my final bill in XX/XX/XXXX ( I moved from XXXX, XXXX  to XXXX  at the end of XX/XX/XXXX ). This is the first time in almost thirteen years I've been notified of any type of debt, and I believe that one or more of the above companies is incorrect and possibly " scamming '' me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a small personal loan today XX/XX/2020 because I was laid off of work and I need to pay off bills but I did not get approved because apparently there are accounts in negative standing appearing on my credit report. I was not aware of these accounts because I have always made sure to keep my credit history in good standing. I looked through my credit report and I found a total of eight accounts that do not belong to me. I have no idea who is responsible for opening all of these accounts in my name without my permission but I have already gone to file a police report. I did not benefit anything such as money, goods, services from any of these accounts nor am I affiliated to any of those companies in any way.

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 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a small personal loan today XX/XX/2020 because I was laid off of work and I need to pay off bills but I did not get approved because apparently there are accounts in negative standing appearing on my credit report. I was not aware of these accounts because I have always made sure to keep my credit history in good standing. I looked through my credit report and I found a total of eight accounts that do not belong to me. I have no idea who is responsible for opening all of these accounts in my name without my permission but I have already gone to file a police report. I did not benefit anything such as money, goods, services from any of these accounts nor am I affiliated to any of those companies in any way.

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 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS approved this short sale. I had several judgments and liens to get cleared up in order to make the closing on time. We got 2 extensions from SPS and when were ready to close we asked for a 1 day extension and SPS declined this extension. 

SPS then closed the short sale review. The very next day we resent the entire short sale file to SPS and they stated the investor which is the XXXX XXXX XXXX XXXX XXXX would not open a second short sale review per their guidelines. I spoke to XXXX XXXX XXXX XXXX XXXX  and they stated I am eligible for a short sale because there is no sale date within 37 days of the review and they told me to resend the file to SPS. 

It seems SPS is making up rules on their own rules as I spoke to some of their other clients who have SPS but a different investor and SPS is telling all clients they are not able to do a second short sale review because the investor only allows one review, no matter who the investor is. SPS should open my short sale review. I am eligible and they refuse to confirm this with XXXX XXXX XXXX XXXX XXXX. They should also open the review because these short sale documents were submitted 37+ days prior to any scheduled foreclosure sale date. 

This is unfair to me, the buyer, and all parties involved in this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
i took out a loan from them. i gave all my monthly payments. onXX/XX/XXXX i get an email telling me that the loan was paid off. ( see the attached document ) after that about a month later i get an email saying that i owe them for a payment that was not done in XX/XX/XXXX. i called in and i told them that they never told me that that there was a payment missing. 
i told them that i have in writting that states that the loan was paid off. 
i requested to speak with someone and was transferred to a " complaint voicemail and never heard back. 
about 2 weeks ago, my account overdrafted because they charged a check for the apyment that they state was never made. 
however i never heard back from my complaint and they never told me that they would charge my account. 
the check that they made to charge my account is also attached. 
it is not my fault that they failed to complete their process.

Company response to consumer: Closed with explanation