vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I have a complaint against XXXX XXXX and their collections agency they use. I have used XXXX XXXX  only once, to pursue a online certificate. I paid in FULL. I now have 3 different collections on all 3 of my credit reports with 3 different amounts and 3 different dates. I have disputed non stop since XX/XX/XXXX asking for proof and original documentation of these " collections ''. Nothing works. They keep it on my credit reports which is damaging my credit horribly. First account with XXXX XXXX was in XX/XX/XXXX. That is all. No other accounts. I never received any letters or phone calls stating there was a  problem. Please help me fix this and get all 3 of these off my credit. Thank you.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX have been notified that an old Georgia tax lein, file in XXXX XXXX Georgia, has not only been paid in full, but is also released, but is also past the statute of reporting on the CRB. However, these two companies are damaging my efforts to move on, they are making me die inside, they are holding this item on my credit report and refusing to remove it.

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 was paid
Company: CBM Services, Inc.
State: FL

Complaint narrative:
upon researching my credit report, i noticed an agency that i had never heard of nor conducted a contract with had reported to my file that i owed them money on behalf of a debt of mine that they received through an old bill collector. i contacted this bill collector who i had a previous contract with and asked for the contents on the debt i owed to them. This information was received and indicated that the party on my credit file was not collecting on behalf of the original party of whom i contracted with. i then notified the original party that i have been made aware that by debt to them was paid by a third party that i do not know but is claiming to own my debt. It is clear that i no longer owe this debt to them and they are to reflect my account with them as so, they refused. also i would like the account of the third party who unlawfully collected my personal information from someone not myself to be removed from my file. I never contacted this company directly neither have they to me therefore no legal contract between us can be shown. if they have one they must present it. also these companies or any other for that matter have received permissible purpose to report anything to my personal credit file.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: On-Site Manager, Inc.
State: GA

Complaint narrative:
I applied for an apartment in XXXX on XX/XX/XXXX, about couple hours later I was emailed a copy of a Rental Report. In the report it reads, a rental company filed evictions against me three different times. The first one was on XX/XX/XXXX then XX/XX/XXXX and the last one on XX/XX/XXXX for an address I NEVER LIVED AT. With that information I was declined for the apartment.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunuion have been notified that an old Georgia tax lein, file in XXXX XXXX Georgia, has not only been paid in full, but is also released, but is also past the statute of reporting on the CRB. However, these two companies are damaging my efforts to move on, they are making me die inside, they are holding this item on my credit report and refusing to remove it.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My PayPal XXXX XXXX was subject to fraudulent use. PayPal was notified, cancelled the card and issued a new card. I used PayPal as a Direct Access Debit Card to my personal checking account with the XXXX XXXX XXXX XXXX, formerly XXXX XXXX XXXX PayPal although knowing there were fraudulent transactions kept submitting them for payment to my personal bank account, resulting in NSF charges by my Bank, which Pay Pal said they would reimburse, but have not. In addition, PayPal, although I repeatedly requested refused to contact my Bank directly to explain their policy and this resulted in my Bank asking me to voluntarily close my checking account, because of the excessive NSF charges assessed because of the PayPal policy to submit for payment, charges PayPal knew were fraudulent. PayPal has not fully reimbursed me all my NSF bank charges. PayPal has also not credited me with two additional unauthorized charges although they have been notified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: ID

Complaint narrative:
My grievance is that Pennsylvania Higher Education Assistance Agency will not count my current or past payments as qualifying payments towards the PSLF. Before I upload documents to their service department I am funneled into choosing a category/reason for uploading so that an automatic robotic response is given based on the category chosen. I used this means to upload proof of payment history and supporting documents and receive an automatic response based on the category rather than a personal response from someone who read through my documents. On XX/XX/XXXX my student loans were transferred from XXXX to Pennsylvania Higher Education Assistance Agency XX/XX/XXXX : I called the Dept. of Education number from studentloans.gov and spoke to representative. Here are to key points to that conversation : 1. I was told to get onto an income based payment plan in order to make qualifying payments for the PSLF 2. I was told that as long as I was on one of these payment plans my payments could be backdated as qualifying payments once my employer was certified as a qualifying non-profit agency.
3. I was placed on the REPAYE payment plan during our conversation. I remained with XXXX as my loan servicer at this time until my employer was verified as qualifying. I made monthly payments and was able to submit my employer as qualifying. Upon verification of my employer, my loan was transferred to Pennsylvania Higher Education Assistance Agency and have spoken with them and emailed proof and payment history showing them that A. I have been on a qualified payment plan since XX/XX/XXXX and B. I have been making monthly payments faithfully under that plan that should have " qualified ''. C. They are aware that i qualify because they recalculated my payments two months ago and my past two payments STILL do n't qualify according to their robots.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried for years to help EQUIFAX to report correct addresses. I have sent on numerous occasions via certified mail of copy of Driver 's License for both the former and current address. Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Clark County Collection Service
State: NV

Complaint narrative:
I checked my credit report in XX/XX/XXXX when I saw a collection from Clark County Collection ( 10 NV ENERGY ). I immediately disputed the reported information as invalid since I initially thought it was related to a missed payment. However, after further investigation I learned that the account in dispute was for an unknown address. Further, I filed police reports with the XXXX XXXX XXXX Police Department for accounts opened with XXXX XXXX and XXXX XXXX. The investigation took over 6 months and was dismissed the Clark County Collection ( aka ) XXXX XXXX as Valid since, I did not have a POLICE REPORT attached to the complaint, rather a complaint number ( which I was given ). I received a letter from XXXX XXXX stating that the Identity Theft complaint was closed because I submitted the complaint number. BOTH fraudulent accounts were billed to address I do n't live at nor, have I ever lived there and the suspect was named however, the Police failed to arrest the individual stating that they denied the theft. I too XXXX statutorily too long to resolve the complaint and they have not provided any evidence of how they verified the authenticity of the accounts as required by law. Subsequently, I want the item removed from My CREDIT report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company
State: MI

Complaint narrative:
I, Called XXXX XXXX Starting on XX/XX/XXXX to resolve a debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. The collection agency informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account. I gave XXXX XXXX my file Number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX or the Collection Agency they said that I could pay either one. before agreeing to pay i asked the associate that I spoke to " Once payment is made in full will the charge off be removed from my credit report and he answered yes. I then asked him if he was sure he repeated yes '' he assured me as soon as there office received full payment that the charge off would be removed from both credit Bureau 's i sent a cashier 's check in the amount of {$320.00} to Merchants ' Collection Agency. I  then called XXXX XXXX back after payment was made, spoke with a supervisor and he said that they would not be removing the charge off from my credit report. He said " the he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their associates and i gave him that person name. I explained to him that that was unlawful what they did to me. He then apologized and said he was going to have a coaching/training meeting. This is Larceny by Conversion and this company reported that the account was paid but refuse to removed the charge off from my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: NV

Complaint narrative:
I checked my credit report in XX/2016 when I saw a collection from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the reported information as invalid since I initially thought it was related to a missed payment. However, after further investigation I learned that the account in dispute was for an unknown address. Further, I filed police reports with the XXXX XXXX XXXX Police Department for accounts opened with XXXX XXXX and XXXX XXXX. The investigation took over 6 months and was dismissed the XXXX XXXX XXXX ( aka ) XXXX XXXX as Valid since, I did not have a POLICE REPORT attached to the complaint, rather a complaint number ( which I was given ). I received a letter from XXXX XXXX stating that the Identity Theft complaint was closed because I submitted the complaint number. BOTH fraudulent accounts were billed to address I do n't live at nor, have I ever lived there and the suspect was named however, the Police failed to arrest the individual stating that they denied the theft. I too XXXX statutorily too long to resolve the complaint and they have not provided any evidence of how they verified the authenticity of the accounts as required by law. Subsequently, I want the item removed from My CREDIT report

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: NV

Complaint narrative:
I checked my credit report in XX/2016 when I saw a collection from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the reported information as invalid since I initially thought it was related to a missed payment. However, after further investigation I learned that the account in dispute was for an unknown address. Further, I filed police reports with the XXXX XXXX XXXX Police Department for accounts opened with XXXX XXXX and XXXX XXXX. The investigation took over 6 months and was dismissed the XXXX XXXX XXXX ( aka ) XXXX XXXX as Valid since, I did not have a POLICE REPORT attached to the complaint, rather a complaint number ( which I was given ). I received a letter from XXXX XXXX stating that the Identity Theft complaint was closed because I submitted the complaint number. BOTH fraudulent accounts were billed to address I do n't live at nor, have I ever lived there and the suspect was named however, the Police failed to arrest the individual stating that they denied the theft. I too XXXX statutorily too long to resolve the complaint and they have not provided any evidence of how they verified the authenticity of the accounts as required by law. Subsequently, I want the item removed 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 non-monetary relief
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 — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Someone used my name and date of birth to have immigration XXXX/XXXX XXXX done in XXXX New York at XXXX XXXX office in XXXX 2016. I live in XXXX South Carolina and was at work in XXXX on that day with proof of that. XXXX XXXX office sent the bill to XXXX and when it was n't paid XXXX sent this to CCS, Credit Collections Service. When I received this bill in the mail I called all three business 's with little help. CCS refused to speak to me on behalf of this account. I filed a XXXX with the local police department and I want to make sure that this is not placed on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
This is regarding CONN CREDIT CORP Account No. XXXX listed in my Credit File with XXXX. XXXX XXXX XXXX is attempting to collect a debt on merchandise ( Electrolux Washer & Dryer ) returned next day after delivery. Therefore, this debt should have been cancelled null & voided. I have sent numerous certified letters to dispute this debt that came into light some six years later! XXXX XXXX XXXX delivered the said W/D that was on the Showroom Floor, not as a brand new " still in the box '' merchandise and then tried to commit fraud because the said merchandise was discontinued by Conn 's and was no longer carried into its ' inventory!

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: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I wanted to LOWER my credit card LIMIT on my Chase Southwest account to {$500.00}. I called Chase & was told this is possible but I would need to pay off the existing balance first as it was over {$500.00}. Once the payment posted, I would need to call back to LOWER the LIMIT. So I called back XXXX XXXX, 2017 & spoke with a supervisor. She assured me the LIMIT would be lowered. I called back around XX/XX/XXXX to check to make sure the LIMIT was set for {$500.00}. I was told it was. Next, I get a bill for {$1100.00}. I called Chase & asked how this is possible since I LOWERED the LIMIT. I was told I have an access line - so to prevent embarrassment they do not decline transactions. So what was the point of jumping through all the hoops to lower the limit if they are n't / do n't honor it? Not one employee or supervisor mentioned anything about being able to go over the so-called limit & there is no limit to the limit! I was told they are not obligated to tell me this. I was told if I want to increase the  limit I would need to re-apply- what is the point? I have since closed the account but wanted to bring this to your attention as I find the practices used by Chase as despicable. The charges are mine & I paid them but the point is I was expecting a bill for {$500.00} not over double.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
During a move into a new residence, I had signed up for a line of credit with a local carpet store, XXXX XXXX in XXXX 2016 to finance half of the total carpet installation cost. I was told that the first 12 months were interest free. This left me to understand that I would be charged no interest for the first 12 months and if I was, it would be on the left over amount after 12 months. This deferred interest was not properly explained and I was blindsided by the 200 % increase in my last bill. This is more infuriating since I have about 3 payments left to make. Furthermore, the statements did not arrive at the correct address and so I only began making payments in XXXX 2016 which led to believe the 12-month repayment period will begin in XXXX 2016. However Synchrony Bank did n't offset the start of the 12 month period from the first payment but rather kept it at the date of borrowing, XXXX 2016. I am writing to ask that I repay the leftover amount in total without penalty. My over-payments in past billing periods will prove my intentions to meet the 12 month repayment obligation. However that was upended by a lot of misunderstanding.

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 2017-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
My ex-wife was awarded the home in a divorce. She was ordered to sell the home or refinance it and remove my name from the mortgage with in 4 years. She did not do so. She is behind on the mortgage several months. in XXXX of 2017 she entered into an agreement with the bank that she would make 6 months of payments on time. I got control of the house in XXXX 2017 through the contempt order from the court. I have tried to remedy this situation by getting a real estate agency as well as finding an investor for this property. I am not in financial position to be able to carry this loan and am willing to work with the lender to settle this issue with a short sale. The problem that I am having is that Select Portfolio Servicing INC. is the mortgage servicer on the referenced account. I have submitted my proposal for a short sale to Select Portfolio Servicing INC and was told that the investor would not accept a short sale due to the fact that My Ex-wife was in default of her agreement with them. I have spoken to Select Portfolio Servicing INC and requested to speak to the investor and explain my unique situation. They refuse to give me information on the investor and tell me that they do not have that information. My question to them is if you do not have the information then how can you tell me that they will not accept a short sale. I requested information on who they spoke to as well as a phone number and an address of the investor for this account.Select Portfolio Servicing INC will not give me this information so that I can settle this issue with the bank. I feel that this is bad business practice and that they are interfering in a good faith attempt to settle a debt that my Ex-Wife failed to do. I am doing all I can to take care of this and have spent a lot of money in legal fees just to get to this point. Select Portfolio Servicing INC has many complaint filed against them and they need to be looked into!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation