vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I am with a qualifying employer for the PSLF and have been employed with them for over 10 years. I was told in XXXX that in order to qualify for the PSLF program I had to consolidate my student loans with a particular company that would make me eligible for the loan forgiveness program. After consolidating and becoming eligible for the program. I was told that I would not be granted forgiveness for the loans dating XXXX XXXX and to present date in XXXX because I consolidated and opened up a new loan. THe consolidation is looked at as a new loan. The consolidation made me ineligible for the TEPLF ( Temporary Loan Forgiveness Program ) which would make me eligible back in XXXX. 

The Consolidation caused miss information and I was mishandled. This misinformation made me as the consumer and I am sure other consumers unable to utilize the program to help individuals come out of student loan debt sooner and benefit from the program. This seems to only benefit the company and would warrant an investigation since consumers are being provided wrong information that only benefits the loan handler.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My bankruptcy was Dismissed on XXXX XXXX. 
I dispute from Credit Bureau Since Last Year XX/XX/2020. 
Every time They Replied '' Verified '' They Verified whom don't tell. 
I did call Supreme Court XXXX New York Court Clark. 
They told me they did not verified because Case was Dismissed XXXX  Use 3rd Party to verified this account. 
This account must delete from my credit report.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My bankruptcy was Dismissed on XXXX XXXX. 
I dispute from Credit Bureau Since Last Year XX/XX/2020. 
Every time They Replied '' Verified '' They Verified whom don't tell. 
I did call Supreme Court XXXX New York Court Clark. 
They told me they did not verified because Case was Dismissed XXXX  Use 3rd Party to verified this account. 
This account must delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
Debt was paid. A letter of debt satification was provided to me. I have spoken to repesenative for the company and even provided the same Letter of Debt Satifaction. It been almost 2 years since the debt has been paid and it still reporting negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: VW Credit
State: WI

Complaint narrative:
Debt collection Attempts to collect debt not owed Collections is not from original creditor. I do not owe VW CREDIT INC and I do not have a contract assigned to VW CREDIT INC. VW CREDIT changed the credit report to act as if they are the original creditor and also hard inquiries. I've never knowingly entered into a contract with VW CREDIT INC and I've asked for the credit application which they refuse to provide also.

I have given VW CREDIT INC multiple notices XX/XX/2020 XXXX to remove this off of my credit to no avail. This matter is now being litigated. 

4. What product or service is your complaint about?

SERVICE I've requested VW CREDIT INC to provide me with proof of a bill of sale and the documents that are required per Wisconsin law and the refuse to provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TX

Complaint narrative:
As per the identitytheft.gov website I provided Equifax with the requested documents regarding Identity Theft claim, Equifax sent me a generic letter stating that they would not block the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
On XX/XX/2021, I made a transaction of XXXX USD ( for payment on my student loan ), and I received the email confirming the transaction was approved and is processing. On XX/XX/XXXX, my account was debited with XXXX XXXX. But on XX/XX/XXXX, my account was closed, and it was not communicated to me until I contacted customer services. The reason was that I tried multiple transactions that were getting failed. This was not the error shown while I was trying to make the transactions. The error on the app was " something went wrong. Please try again. '' The customer representative told me that the transaction was getting failed cause I didn't have enough funds in my bank account, which is incorrect ; I had a sufficient balance in my bank account. I have my bank statement proving this. 

The customer representative said that the amount XXXX is not received for the transaction, whereas my bank account shows that the amount was debited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
They posted the negative remarks on my credit report I sent two letters to Phoenix Financial Service, LLC in hope they can validate this debt they claim I owe. I will provide the letters I sent along with certified mail tracking numbers. They have yet to respond and this account is hindering me from moving forward with my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Debt collection Attempts to collect debt not owed Collections is not from original creditor. I do not owe XXXX XXXX XXXX and I do not have a contract assigned to XXXX XXXX XXXX XXXX XXXX changed the credit report to act as if they are the original creditor and also hard inquiries. I've never knowingly entered into a contract with XXXX XXXX XXXX and I've asked for the credit application which they refuse to provide also. 
I have given XXXX XXXX XXXX multiple notices XX/XX/2020 XXXX to remove this off of my credit to no avail. This matter is now being litigated. 

4. What product or service is your complaint about? 
SERVICE I've requested XXXX XXXX XXXX to provide me with proof of a bill of sale and the documents that are required per Wisconsin law and the refuse to provide them.

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 2021-03-10 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: Professional Credit Management, Inc
State: AR

Complaint narrative:
There are ( 4 ) separate accounts with Professional Credit Management. 

1. XXXX XXXX, XXXX. 
Acct # XXXX. {$310.00} Date of Service XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX Acct # XXXX. {$410.00} Date of Service : XX/XX/XXXX 3. XXXX XXXX XXXX Acct # XXXX. {$710.00} Date of Service : XX/XX/XXXX 4. XXXX XXXX # XXXX. {$130.00} Date of Service : XX/XX/XXXX On each of these dates of service I was insured through XXXX of Arkansas. 
POLICY #. XXXX Member ID : XXXX By her own admission, XXXX, who works in the billing office at XXXX XXXX XXXX said they are in network with all AR Medicaid providers. I was responsible for no deductible or copays under this policy. 

I never received bills from any of the above-listed entities. They were simply turned over to a collection agency who reports them monthly to National Credit Reporting Agencies. When you are in network with a Medicaid provider, you accept their payment as payment in full for services rendered, yet, theyre still trying to collect these debts from me and reporting these balances to national credit reporting agencies. 

I would like each of the above companies notified of this complaint. You only allowed ( 3 } to be listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
On XXXX at XXXX McCarthy , Burgess and Wolfe representative XXXX XXXX emailed me demanding I remedy a past due balance to XXXX XXXX XXXX XXXX I responded 13 minutes later with " I didnt refuse anything, I requested the final bill. No one ever sent me it. I made a final payment, and turned in equipment. 

Then I get a call saying I owe more. You're the second " collections '' company to contact me about it. 

So do you have the final bill? '' They did not reply so on XX/XX/XXXX I forwarded them the same email and said " I sent this on XX/XX/XXXX. Have yet to hear from you. '' On XXXX they replied stating " We received your email regarding the XXXX XXXX We have requested the invoices. They will be emailed once they are received. '' I did not hear from them again until XXXX at XXXX where they sent me another demand and acted as if we had never spoken " Dear XXXX XXXX XXXX On XXXX, XXXX  formely known as XXXX XXXX XXXX requested we handle the above-captioned account. They specifically asked that we attempt to resolve this at a voluntary level rather than pursuing alternative remedies. I sent a letter to you making you aware of our clients claim. You failed to respond. 
Our client intends to receive the full amount of their claim. A brief review shows no reason why they should not be entitled to full recovery. I am desirous of resolving this in the easiest, non-confrontational manner possible however, I need your cooperation. 
Your failure to remit the full balance at this time will force me to assume you are unwilling to pay the balance. Should you choose to stop further action by this office, mail a check to The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX in the amount of {$140.00}. Make check payable to XXXX formely known as XXXX XXXX XXXX or pay online at XXXX. 
For your convenience, an automated attendant is available to process ACH/Check payments over the phone by dialing XXXX. Fees may apply. Action will be held until XX/XX/XXXX, pending receipt of your check. 
Thank you in advance for your anticipated cooperation. '' I showed them all this previous correspondence in reply.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm lodging a formal complaint against both XXXX XXXX XXXX and XXXX insurance, as it is my conviction, they disregarded my privileges under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didn't notice this error right away, that this was an already reported collection. Initially, this was a Debt by progressive insurance given as collection to XXXX XXXX XXXX. I questioned this record for the subsequent chance to have it eliminated and they changed the comments to wrong and never eliminated the data. They never sent me any letters, calls, or messages with respect to this. Kindly check and eliminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
As of today 's date, XX/XX/XXXX. I found my XXXX XXXX XXXX credit card limit originally {$500.00} has been reduced to {$100.00} credit limit. My current balance prior to today 's payment of {$35.00} was only {$62.00}. I have been in good standing with comenity bank with my credit card. The only reason I got this card is for XXXX, birthday gifts, etc for my granddaughters. Their birthdays are over the next 2 days, so imagine my surprise when I'm about to make purchases. Comenity banks excuse is a change in my credit report. I received notice today of what is the impression of high usage on this card. I haven't charged on this card since XX/XX/XXXX. They say they received notification of a change in my credit report. I didn't authorize comenity bank to pull my current credit, I hadn't asked for an increase. There was no obvious reason because my account is in good standing to bother my account. There has been a major change today because of what comenity did in the limit decrease. My debt ratio has been negatively impacted with a balance of {$62.00} and now a limit of {$100.00} it makes it look as though I have excessive high usage and lowers my credit score drastically. Also, I had another credit card with Comenity Bank with Wayfair in good standing and it was closed by Comenity bank 5 months ago because Wayfair and Comenity Bank ended their relationship. The Wayfair credit card with a {$500.00} limit was closed with a XXXX balance. The closure negatively impacted and lowered my credit score. There are a major part of my credit change but make up excuses due to their companies business issues. My other credit card with them was not touched but I have used that card more and have a higher balance. This is not good business. If you are going to represent your company has a bank of business and extended credit then you should run business in a legal manner. Don't extend credit then make up a reason to reduce a consumers credit by intimidation if the card is not used up to the credit limit. How much I use, how often I use and when I use is at my discretion and not comenity bank. This a violation of contract and considered predatory actions. Under federal trade, consumer protection and federal credit reporting act. Reporting to the credit reporting agencies a decrease in credit limit is a negative defamation of character, causes harm and damage. It gives the impression I'm not creditworthy or mishandled my account when that is clearly not the case. With the pandemic disaster along with the winter storm disaster here in Texas everything has been behind. The thing to provide happiness on my grandchildrens face and you take that away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My mortgage loan was sold to Citizens Bank NA a bunch of years ago, I did not choose this bank to service my loan. I paid off my mortgage back in XX/XX/XXXX, and received confirmation that it was payed off. I have been waiting for my mortgage satisfaction/discharged ( to close out the lien ) to be recorded along with paid off loan documents to be sent now for over 5 months! New jersey requires a satisfaction/discharge to be recorded within 30 days, it has now been close to 5 months with no signs of any recording of any cancellation/satisfaction/discharge! All I get from customer service is 'our lien release department is busy, please wait longer ' after reaching out multiple times. This is unacceptable, this is violating NJ state law ( XXXX XXXX XXXX ). I have also reached out to XXXX, where they sent me a copy of the discharge paperwork, however the documents have not been recorded by the count clerk, and is verifiable online. I have reached out countless times, and am getting nowhere, and have waited long enough and wasted enough of my time tracking this down. This is for mortgage account/loan number XXXX. 

Dates with customer service discussions : XXXX XXXX  Complaint : XX/XX/XXXX, a discussion on phone on XX/XX/XXXX, left a voicemail without return to Chairmans office on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: TN

Complaint narrative:
I contacted this company Contract Callers Inc of Georgia about an entry on my credit report. I sent this company several letters which they received. I disputed the entry and asked Contract Callers inc to validate the debt by sending me proof that i owe them this debt and that they owe the debt they were trying to collect on. Contract callers inc never responded. In fact contract callers Inc marked my debt as paid. I never had a contract with this company, I never paid a dime to this company. This company has violated my right on many levels. Failure to provide validation of debt, illegal entry on credit report.

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 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On or about XX/XX/2021 I attempted to pay off the balance off my car loan in settlement of the entire debt, after getting no resolution form the agent, supervisor or manager, I asked to speak with the department head of the loan department. I was told that I needed to get a call back that was scheduled to be returned within 24 bto 48 business hours and that was the only way to speak with them. I never received any return phone call from the Bank of America Car Loan Department head, and I again made another call on or abpout XXXX XXXX. I again spoke with an customer service agent, a supervisor, and a manager and was again told that another call back would be scheduled and I would receive a call back from the department head within 24 to 48 business hours. i NEVER RECEIVED A RETURNED CALL. All of this time the bank allowed the interest to accrue on my debt daily, while I waited in accordance with their policy for a return phone call that never came On or about XX/XX/2021 I went into a bank branch and addressed the issue to a branch manager, who stated all she could do was put me on the phone with a car loan person, I again spoke with the car loan agent, then a supervisor, then themanager, but this time the manager transferred me to a person whom identified hiomeself as the car loan director. After some discussion he indicated that he would credit the payoff as being made on XX/XX/2021 since the banks failure to contact was their fault, and I notified him I would deposit the funds into the bank account to pay the balance. On or about XX/XX/2021, the same day, I deposited the funds into bank, and paid the entire balance of the car loan at the teller window. I was charged interest rate for XX/XX/2021 - XX/XX/2021, despite the fact that I paid the balance IN FULL on XX/XX/2021. The bank then took two days ( until XX/XX/2021, to credit my account. Even though the bank posted my payment on XX/XX/2021 ( When it was actually paid on XX/XX/2021 ) They still charged me and forced me to pay daily interest for XX/XX/XXXX - XX/XX/2021 in my final payment. I demanded that the clerk give me an accurate account of the bill, and the same day pay off amount but she stated it was nothing that she could do as the payoff amount through XX/XX/XXXX was what she showed in the system. I subsequently called bank of america again, and again spoke with a customer service representative, and supervisor, and magaer and was again told that I would receive a callbak which never came.

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 monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received a mortgage statement and to my surprize it said, that I had not made any payments since XX/XX/XXXX. I paid all my mortgage payments on time every month usually for more then was due that went into a suspence account, that is now heavy with funds. I ordered the canceled checks from the bank and found that they were cashed for three months XXXX, XXXX and XX/XX/XXXX They were cashed in there perspective months, but only put in my account this week in XX/XX/XXXX except for XX/XX/XXXX that was put into someone else 's account per back of the check. My payments for XXXX, XXXX and XX/XX/XXXX have not cleared the bank and the mortgage company said, because they filed for forecloser that they may not accept the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: FL

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have inaccurate accounts, and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This debit was paid 2 years ago and the account is reporting as a negative. It is affecting my credit score as they told me that this is would pay for deletion. I have try to resolve this matter only to be ignored.

Company response to consumer: Closed with explanation