vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
PLEASE SEE ATTACHMENT As per your letter dated XX/XX/2019 pertaining to Select Portfolio Servicing transaction history, which includes Corporate Advance History, Fee History and Escrow Disbursement History, I am requesting clarification of specific detailed accounting of various and repeated charges to my account which I have circled on your forms provided. I am further requesting valid verification of documents showing specific details of charges performed, not just listed. I am also requesting clarification of all headings i.e. transaction codes, reason codes, payee codes, payee description, Processor ID, Recoverable  Codes and Recoverable descriptions along with all other headings. 

In order for my legal team and me to review these fees given to my account, by law I am requesting SPS to provide a clear breakdown of all charges incurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had a loan with XXXX XXXX XXXX and it was the worst mistake of my life. So I refinanced this loan but I wish I had refinanced sooner but they were giving me inaccurate information about refinancing. I refinanced the loan with XXXX and I wish I had done it sooner. I got a call from a collection agency stating that I owed a small balance. I sent them a certified letter asking why they say I owed a balance when I had a letter stating that my account was paid in full. I received another letter from XXXX XXXX stating that my account was paid in Full in XXXX. But in XXXX they reported to all 3 credit bureaus that the account is in collections. The company then sent me another letter stating that my account was paid in full. The company even sent me a refund check for {$47.00} in over payment to my account. My credit report did not show any late payments before they sent this straight to collections and it is now it is still on all of my reports even though I have been disputing it and it caused me to be denied another car loan.

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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Risecredit, LLC
State: TX

Complaint narrative:
On XX/XX/2019, I paid my debt with RISE off completely and received notification that this debt was paid in full. 

I have called and e-mailed this company several times to report accurately to the credit bureau, however, they have failed to respond. 

I was advised today that they do not report until the following month after the debt has been paid, which will place this over 45 days. 

I have disputed this with the credit bureau as well and RISE has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I write to complain against Toyota financial. They claim that I owe them the amount of {$6000.00} and has sent me to collections. I can not pay this amount. Instead, I write to request my {$2000.00} down payment be refunded. 

In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX, XXXX and made a {$2000.00} down payment to Toyota financial through XXXX XXXX located on XXXX XXXX XXXX XXXX PA XXXX. 
The vehicle was defective ; it had a cracked windshield, broken view marrow engine was bad. The weekend I took it home the engine became dead, and the car refused to start. I immediately reported this to the XXXX car dealer and was told via phone and in person by the manager, that there was nothing they could do about it. Per my request, they could not repair the vehicle nor give me a replacement vehicle. My insurance company provided a tow truck and transported the vehicle back to XXXX 's lot. Meanwhile, my Lawyer ( XXXX XXXX ; phone number XXXX ) sends them correspondence which they refused to acknowledge. 

In XXXX of XXXX, I received a letter from Toyota Financial informing me that the vehicle was voluntarily turned over and that they will sell to retrieve their money. I got in touch with the dispute team many times informing them of the setback. I provided my lawyer 's information to be contacted. They ignored my requests, send another decision letter that I owe {$6000.00}. 

Kindly consider my formal complaint. I look forward to your assistance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: UT

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-19 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: CORELOGIC INC
State: IL

Complaint narrative:
The landlord of the apartment I used to live in put cimicals in the bathroom to fix sinck it was very strong because of that sand us all to the hospital including XXXX XXXX old son .i soed him for that he asked me to live his apartment I did and he reported to core logic company he owned me XXXX $ now I cant look for rent because of that came up in my credit.

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 2019-03-19 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: NC

Complaint narrative:
When checking my credit report I have noticed that XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX or the company that they are collecting for. I disputed this debt with Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Transunion has failed to validate this Debt and continues to knowingly violated FCRA. Transunion gives me know options on their website to re dispute this debt as not mine. I recently received a response to a dispute on approximately XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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 2019-03-19 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: UT

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-19 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: UT

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have my reoccurring fees set up to be pulled from my account on the XXXX of every month so I can always be sure that I wont be charged an insufficient funds fee. However to my disappointment it does not matter that I am attempting to be responsible with money, Chase bank always posts the reoccurring fees last according to the representative I spoke with. This way they can charge consumers the most money.

3 reoccurring transactions debit my account on the XXXX of every month. In this case XX/XX/XXXX. I received a direct deposit from my place of employment and then as normal, any reoccurring fees are taken out first thing in the morning. I had enough to cover these reoccurring transactions Chase posted them on Tuesday, XX/XX/XXXX, not in the order they came in but purposely at the end to maximize their profit. They post these transactions this way because I currently have debit card coverage switched off and because of this, they cant charge my account {$34.00} for everyday debit card transactions. So I was charged 3 separate {$34.00} fees for the reoccurring transactions which apparently are treated differently than normal transactions. Obviously this isnt true because other banks, XXXX XXXX, treat this the same as any other transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
syncrony bank is calling me constantly claiming i owe them money but i dont ... .they are basically harrassing using machines to call me from XXXX to XXXX 7 days a week ... all my accounts are current

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 2019-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
I hAd a total loss vehicle with prestige financial in XX/XX/2018. The remaining balance after the payment from gap company was charged off. I live in Virginia and per our state laws once a balance has charged off the can not continue to add additional interest to balance. I contacted this company several times and explained my concerns with this matter and the balance continues to grow with additional interest and is being demanded that I pay in order to resolve matter. Based on the laws in my state that is illegal and they can face a civil penalty based on this business practice. Im demanding my account be reviewed and a credit or refund is given for any additional interest that was paid to prestige financial towards the charged off principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
After an emergency room visit on XX/XX/18, I received the expected bill, minus the amount my insurance paid. I was not told, upon being admitted, that I would receive MANY other bills, Emergency Room Physicians, Laboratory costs, Radiology, separate from the hospital. When I did, one was a " Final Statement '' demanding payment immediately. I never received any other statements. I called to make payment arrangements. They wanted more than I could afford, because I also had other bills from that visit that I was making payments on, so we agreed on a different amount and I began paying. I also told them that I was waiting to receive an approval for charity care since my salary as a XXXX XXXX XXXX XXXX is quite low and infrequent. They told me I could submit the letter once I received it and they would apply that to my account. I stopped receiving statements and had no idea what my balance was or account number OR where to send the payments ( or pay online ). I tried calling the number listed for the doctor but it was disconnected. The facility, XXXX XXXX XXXX, uses an outside billing service that's not even in my state. I finally had to call my insurance company to find out where they had sent their payment. I mailed my payment with a letter explaining why it was late. I then started to receive collection notices from a collection agency. I called them and explained that I had made payment arrangements with the original creditor. The representative I spoke to said she could see that and she, too, was confused as to why I was placed in collections. I continued to pay the original creditor. I received ANOTHER collection notice, called them again and spoke to a different representative who was very abrupt and accused me of wanting to " argue '' with him. I disconnected the call and sent a C & D letter, but didn't send it Certified, so the notices continue. I am still paying the original creditor. I called the original creditor, again and asked why I stopped getting notices and why they wouldn't take the approval letter for financial assistance from the hospital. The response was : Once you make payment arrangements, we don't send out any more statements. And once you're in collections we can't accept any financial assistance approvals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
To whom it concerns I am the mother of XXXX children who needed me to co-sign to get college student loans. I am happy to say that XXXX have XXXX and XXXX is set to finish next year. They are all employed and tax payers. YAY My problem is the fact that these lenders have no desire to help my children pay back their loans. 

I have also found another little ugly secret. My daugher has loans with only XXXX XXXX. Her balance was {$34000.00}. We stopped using student loans for her in 2015. She is still in school, set to XXXX   next spring. Her balance is NOW {$51000.00}. As stated above, we have not taken any more loans for her since 2015. Her balance has increased by {$20000.00} and she has not even graduated nor taken a loan from XXXX XXXX since 2015. This is criminal ( in my opinion ) and explains what I could never figure out. With all XXXX kids my student loan debt is over {$100000.00}. Actually closer to {$200000.00}. I knew there was no way we took out that much debt. Now I get it. They tack on ridiculous interest even though these loans are in deferrment. WOW, this is not right. 

We want to pay back the loans. I ( we ) always pay our bills on time. There is no way to get out from under this massive debt and these servicers could care less. 

I NEED your help. This is not right. {$20000.00} more than what the original amount was when we stopped taking out loans in 2015??? There is no way I owe the {$200000.00} on all of my children. I can afford to pay for one ( which is what we have been doing since 2015 ) I co-signed with the intention of paying back what we borrowed. If {$34000.00} can add up to {$51000.00} and the student has NOT even graduated yet no wonder my overall student loan debt is so high. 

As the overseer of these private loan institutions, what are you doing to fix this?? My children could not qualify for Federal ( taxpayer funded ) student loans. Funny, as a taxpayer I don't qualify but someone who probably does not pay taxes gets the sweet heart deals. I am sure most did not even graduate. My kids have. There has got to be justice here. This is just not right!! 

I look forward to an explanation from you as to how this is fair. If you have no jurisdiction over these predatory lenders, then what exactly is YOUR JOB. 

Again, I am not asking for forgiveness, just a reasonable repayment plan on the actual amount of our loans. 

Sincerely XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I reported fraudulent transactions on my PayPal account in XX/XX/2019, and PayPal has still not responded. The resolution center status remains " Under Review. '' While under review, I have been unable to unlink my banking and credit card accounts, further putting my assets and credit profile in jeopardy. 

PayPal provides no means to contact or followup with an entity that can fix the impasse. 

PayPal has not refunded the approximate {$55.00} taken from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
I have already paid {$650.00} on a {$500.00} loan. 

I feel the interest being charged is predatory. I was not told the interest rate during my application process with the representative via telephone. 

I was also told I would not be approved for the loan if I did not agree to making automatic account withdrawals. 

I believe I was taken advantage of. 
I paid {$650.00} for a {$500.00} loan. 
I believe they made enough money off of me and that for me to pay more is relative to stealing, while taking advantage of being a tribal company, effectively dodging laws made to protect the public. 

Again I paid {$650.00} on a {$500.00} loan. I would love to request the company to settle paid in full and close my account based on my payment history.

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 2019-03-19 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: Innovis
State: GA

Complaint narrative:
To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. 
Some of this items already been deleted but some still remains, please help me to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: LEXISNEXIS
State: GA

Complaint narrative:
To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. 
Some of this items already been deleted but some still remains, please help me to clear my name.

Company response to consumer: Closed with explanation