vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I received a letter from XXXX XXXX XXXX from XXXX Washington stating that I have been placed with their office for collection in attempt to collect a debt to PayPal. Which I do not have any debt owed to PayPal. I know that for a fact. And can prove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am in the process of repayment under an income based repayment plan. Upon renewal, I submitted the application but the information was input as deferment/forbearance instead of renewal. I then began to receive calls about information I had already submitted. My monthly payments then doubled beyond what my income can support, and I was unable to make online payment as I did the prior month. I am in the process of resubmitting this information again but the web-site has changed and is less friendly than before. I am now having to mail this information, prolonging the handling time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
Around XX/XX/2018 my car was repossessed by American Credit Acceptance. I fully admit that. The problem is with the amount they claim i owe. I never got any letters from them after they took my car. I never got a deficiency letter stating how much i owed after they sold the vehicle.. On my credit report they have changed the alleged amount owed every month for thee past 4 months. I have been disputing the account with all 3 credit bureaus and every month my credit reports show a different amount owed. This is illegal and a violation of the FCRA. They have also violated the UCC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
This company is illegally reporting on my credit that i owe on a debt that i do not owe. The property management company they are claiming i owe money are all currently in jail for Fraud and for illegally charging fees. My dad and i were one of those victims. My dad filed a complaint with the State Attorneys office about this Exact account. Magically the debt WE DO NOT OWE was removed from all his credit reports. It was also removed from 2 of mine. But they are still reporting on XXXX  credit bureau that i still owe this debt and i do NOT.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
On XX/XX/2018, I had apply with a loan with XXXX XXXX through a mail advertisement of being preapproved for up to {$4000.00} on an installment loan. I applied on their website at XXXX and was approved for {$850.00} credit limit with a 360.00 % interest rate. I had every intention to pay this loan in full within 28 days because I did not want to pay on this high interest loan. I was dealing with a hardship after being out of work and receiving treatments for a XXXX  XXXX. Due to this hardship there were a number of occasions where I had to change the due date for a later date. To date XXXX XXXX debited my account {$790.00}. XXXX XXXX increase my credit limit with an additional {$150.00} which I have no intention of using and I still have a balance due of {$790.00}. If I was able to pay off this balance today the amount that XXXX XXXX would receive from me is {$1500.00} for a {$850.00} loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: MS

Complaint narrative:
I have a company named XXXX XXXX claiming that I owe {$900.00} to XXXX XXXX. I have never had dish network. I have not even have cable television in the last 10 years. I've reached out to them repeatedly and the phone call always goes on hold and then hangs up after a few minutes. 

This is NOT my debt and needs to be 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 explanation
Consumer complaint received 2019-01-29 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have tried several times to remove a public record that is still showing up on my Experian credit report. XXXX investigated and found that the bankruptcy was indeed not mine, and it's not. The record was removed from XXXX and the other 2 credit bureau files. The only one to remain is Experian. They continue to state, " the reporting company verifys the account is yours. '' XXXX has send me a copy of my report which also verifys the record has been deleted. When speaking to the Experian dispute person, she told me they send the dispute to XXXX and they have 30 days to respond. When talked to XXXX they claim they do not receive the dispute from them. So which is it? There is no way for me to get this corrected unless someone else steps in and forces them to do the right thing because they want my credit to remain bad. Experian has been told time and time again that they are reporting false information on my credit report and it needs to be deleted per the FCRA. They are clearly not doing their due diligence in the dispute process. They can't or won't event tell me how the process works. It's clearly a rigged system where no one is held accountable to uphold federal law. I demand the public record be removed immediately or legal needs to be taken.

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 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I requested PMI removal from my home as it has been two years and my LTV is 78 %. I will need an appraisal to prove this, which is fine. But the Company demanded my LTV is 75 %, which is against the law. I need you to contact them and demand they comply with the law ( 80 % LTV ). I refuse to order an appraisal through them as they asked if they are only going to deny me when the appraisal comes back as 76-80 % LTV. I can provide proof of their letter demanding the 75 % LTV if you would like. Please contact me for the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I will continue to submit complaints over and over and over and over and over and over and over until EQUIFAX puts my account in CLOSED status. I went to state court to have a bankruptcy processed and it was approved by the XXXX State Court.  EQUIFAX is refusing to correct the account to show that instead they're leaving it in OPEN status and putting a note that says " included in bankruptcy ''. This bankruptcy will already be on my credit for 7 years, I'm not asking for anything illegal or more than what I paid for, its not any harder to place this account that's actually closed into CLOSED status than it is to leave it. But what does leaving it do? : It shows a negative account on MY credit ( but what about the other accounts that everyone else put in closed status? do they just disappear? No they are CLOSED but are still on my credit ) ( wow! what a concept? I wish that everyone could see how clicking a mouse to put an account in the correct status, would allow the person who went through the entire embarrassing and expensive process of bankruptcy to have some sort of relief when they check their credit they're now rebuilding and see that everything is back to square one, not ONE company  trying to be difficult for the sake of holding their ground, they're just lowering my score I'm working hard to raise, you know.. THE ENTIRE REASON I SCRIMPED AND SAVED {$1500.00} TO FILE BANKRUPTCY!! I didn't file just to have ONE company refuse to do what the court agreed to. Do the right thing and put the account in CLOSED, this doesn't delete the account, I don't know if you know that..but its still going to be on my credit and showing as " included in bankruptcy ''. Did you know that Equifax? Did you know it will still be there? It just wont be showing as a negative account. THAT'S WHAT I PAID FOR. Why are you fighting me on ONE account? I'm not asking you to go in and change a bunch of stuff. Its ONE click that should've been done 2 years ago!!!!!!!!!!!!!! YOU literally were supposed to change this years ago but now im writing this ridiulous comment for you to ignore so I can copy and paste it again in a month and send it right back. Please just correct the account status that was included in my bankruptcy and is now CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Called several months ago about the chain of custody of my loan documents and proof that I am paying the organization with legal right to my debt. I was told they would send me documentation proving that they owned the debt but I have not received this documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I received the following email from Paypal today : Hello XXXX XXXX, We wanted to remind you that you currently have a PayPal Credit account that is not linked to a PayPal account. 

How PayPal Credit Works PayPal Credit is a digital, reusable credit line. When it is linked to a PayPal account, it can be used anytime by checking out with PayPal at an online store and selecting PayPal Credit. 
Special Financing Basics PayPal Credit offers No Interest if paid in full in 6 months on purchases of {$99.00} or more. 

If you do not pay the promotional purchase in full in 6 months, interest will be imposed from the purchase date at the variable Annual Percentage Rate ( APR ) that applies to new purchases made on your account when the promotional purchase is made, which as of XX/XX/2019 is 25.99 %. This APR will vary with the market based on the prime rate. Minimum monthly payments are required with this promotional offer. See terms. 

This is not an introductory offer and is available on every purchase of {$99.00} or more when you checkout with PayPal and select PayPal Credit. 

You can begin using your credit line by linking it to a new or existing PayPal account.

I never signed up for this product. I believe that PayPal has had prior CFPB action taken against it for this exact behavior.

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 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
Good afternoon, My complaint is against Receivables Performance. I have a debt with XXXX which was {$1900.00}. I have the debt due to switching providers. However, the new provider was suppose to pay the phones off. Because of the time of waiting for phones to be paid by the new provider, I am assuming that XXXX sent this collection to Receivables Performance. I did have contact with RP, and I spoke with them about waiting for the new provider to pay off the debt or the phones owed. Because the process was delayed, I agreed to set up payment arrangements in XX/XX/XXXX and XX/XX/2018 for {$200.00}. The first payment was successful, and the XX/XX/XXXXpayment was changed to XX/XX/XXXX, which was also successful. However, during that time of the last payment arrangement, Receivables Performance sent a derogatory remark to XXXX, which took my credit down. I called RP, and asked them why since I did send two payments. In the midst of the conversation, the Supervisor XXXX explained that I was late and changed payments. I told him that I only changed one payment and that was for XX/XX/XXXX. However, I found out that Receivables Performance is not licensed in the state of North Carolina to ask for me to pay them this debt. I spoke with them about this, and each time they will hang up. The last conversation I had with a supervisor, she lied on the phone about me calling and having a conversation with them on XX/XX/XXXX and eventually she hung up as well. Because this collection agency is not licensed to collect a debt for the state of North Carolina, I believe that they should delete and remove this derogatory remark off 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 2019-01-29 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: Informative Research
State: GA

Complaint narrative:
The inquiry on my credit on XX/XX/2018 and XX/XX/2018 regarding the purchase of a home. I wrote a letter asking to have the inquiry removed because no loan was secured and no purchase was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Harassing my siblings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: OR

Complaint narrative:
Twice I have mailed in a request to get a copy of my report ( even though I have no idea who this company is or why they have my info as I have NEVER authorized it ). They are saying my score is super low which does not mesh with what the three major bureaus show. I want someone to contact me with a report and I I want them to call me to go over it line by line so I can dispute incorrect info because they obviously ignore the mail they receive and are abusing their title as a " credit bureau '' when they shouldn't be one at all.

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 2019-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
On XX/XX/2019, I was in a hardship situation and dealing with a chronic illness. There were emergency household bills due. I had taken sometime off from work due to my illness. I applied for an online loan with XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for {$730.00} with an APR of 360.00 %. My attention was to pay this loan within 28 days. My situation was beginning to deteriorate and between my illness and missing work, I was unable to pay amount due as scheduled. I had to ask Speedy Cash not to draft anything out of my checking account because I was being charged overdraft fees. I paid a total of {$230.00} to date towards this original loan. I know have a balance of {$1500.00}. I asked the representative XXXX were there any arrangements I could make towards the original {$730.00} Loan. XXXX explained that Speedy Cash would not make any payment arrangements unless I agreed on the {$1500.00} balance ( and accruing interest ). I am in a hardship and unable to pay {$1500.00} plus interest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
A payment in the amount of XXXX made on XX/XX/XXXX covering the months of XX/XX/XXXX and XX/XX/XXXX will more than likely get returned. I was expecting a tax refund to cover this payment, however, it is delayed due to government shutdown. I have been making small payments via bill pay through my XXXX card in the amounts of XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. I will make another payment on XX/XX/XXXX via bill pay, which should post by XXXX at the latest. My tax refund should be deposited about a week thereafter, however, I am not certain. Please request XXXX XXXX  to allow me more time before repossession of vehicle. I will continue to make payments via bill pay which are electronic in the mean time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called Transunion Credit Bureau back on XX/XX/2018, to dispute the following unauthorized inquiries that are showing on my recent report I pulled from XXXX XXXX .XXXX The agent on the phone was rude and would not assist in my request. List of the inquires are the following : XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX   XXXX via XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX via XXXX XX/XX/2018 TRANSUNION XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX   XX/XX/2018 TRANSUNION XXXX XXXX XXXX via XXXX IXXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XXXX XX/XX/2018 TRANSUNION

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 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
A " Credence Resource Management Group ''  out of XXXX, TX identifying themselves as collection representatives of XXXX XXXX XXXX have been calling me ( from telephone numbers XXXX and XXXX ) non-stop harassing me for a week on my cellphone without my permission since having had a fraudulent debt removed from my credit on XX/XX/XXXX for a second occasion per the three credit bureaus. On the first occasion this entity appeared on my credit there was a reflected dollar amount of {$740.00} erroneously showing outstanding where the amount was successfully disputed per me on XX/XX/XXXX and subsequently deleted per the three credit bureaus on XX/XX/XXXX. " XXXX XXXX XXXX XXXX '' then on sometime several months later fraudulently and illegally re-reported the same debt as a new account with a slight variant of the balance at {$720.00}. On XX/XX/XXXX this same debt was, again, removed from my credit per the three credit bureaus. This entity has been calling me non-stop on my cell phone without my permission illegally harassing me since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2018 Paypal issued an unauthorized hard inquiry on my credit report. I contacted my credit bureau ( XXXX ) and they told me to call Paypal and I did. Paypal sent me told me to fax documents to them and then refused to ever get back with me. I think it is insane how the government allows citizens of this country to be bossed around my big companies and do nothing about it. I am asking that you something because no one else is doing anything.

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 2019-01-29 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX, Car loan ( XX/XX/2018 ) XXXX XXXX, Car Loan ( XX/XX/2018 ) XXXX of XXXX XXXX, Car Loan Letters were written to the creditors to have the inquiry removed because no loan was secured and no vehicle was purchased.

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