vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I contacted the above ceditor ( Big Picture Loans , LLC ) via email on XX/XX/2017 informing them of an unexpected permanent financial hardship and requested a settlement agreement on the account without accruing any additional interest past XX/XX/2017. Due to the financial hardship, my checking account is negative and will be closing. I received several emails from the creditor however they wanted the past due amount ( the interest and principal due that day and would not stop the interest from accruing ). After unsuccessful attempts to resolve the matter via email, I contacted the creditor and spoke with the resolution department on XX/XX/2017. They informed me that they were unable to provide a settlement agreement. After the conversation on XX/XX/2017, I emailed the creditor and request a " cease and desist '' of all communication and correspondence except for email to resolve the issue or United States Postal Service. I received an email response on XX/XX/2017 stating they were currently reviewing my account and would contact me for a resolution. Likewise, I received a settlement offer XX/XX/2017. 

My complaints are as follows : Complaint # 1 : I contacted them on XX/XX/2017 to explain permanent financial hardship and requested a settlement offer. After numerous communication efforts, they finally approved a settlement offer on XX/XX/2017.Therefore, accruing additional interest on the loan from XX/XX/2017 through XX/XX/2017. The amount was {$600.00} principal balance and {$350.00} interest, total payment of {$950.00}. If the account had been settled in a timely manner ( the interest would be only about half of the above amount ) Complaint # 2 : The payment due date on the payment schedule on the settlement offer are either on my pay date or the day after I get paid. The only options for payments are electronic debits ( ACH, RCC, post dated checks ) from bank account or mail in payment. The electronic payment is not an option due to the current checking account situation and the account is approaching closing at any day. Therefore, I would have to mail in payments. It would be impossible for payments to be received by the due date. 

I have sent several emails replying to the settlement offer in respect to the above complaints. As of today, I have not received a reply or response from the creditor. I am required to send a reply of " I agree '' to the terms of the settlement offer by XX/XX/2017. Or they would send account to resolution department for further collection.Due to these unresolved complaint issues, I am unable to agree to the full terms of the settlement offer. These issues would hinder my ability to successfully complete the settlement offer. Likewise, my intentions are to repay the debt but under more fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: PA

Complaint narrative:
XXXX account showed up on my credit report recently I have n't had XXXX since XX/XX/XXXX. I paid off all of my debt with XXXX before I canceled. I do n't know why it was reported because I do n't owe them anything I contacted the debt collector and they told me to email a dispute to them and then forward it to XXXX before I did that I contacted XXXX and they told me they do n't have access to my account anymore. And that I owe money in which the case I do n't. XXXX told me they sold my account to a debt collector in XX/XX/XXXX and it has recently shown up on my credit report In XX/XX/XXXX and neither companies are providing me with information in regards to this Debt that I owe which I wasnt aware of until recently. The debt collectors are giving me the runaround and they are not being honest with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i had my student loans dismissed because of my disablity they will not remove them off my 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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX 14. XXXX 15. XXXX 16. XXXX 17. XXXX 18. Inquiries Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Banking I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my XXXX removed from all 3 credit bureaus, as i have spoken with all 3 credit bureaus, and they respond with the statement " we have validated this XXXX XXXX with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company " XXXX '' was paid prior to bankruptcy to the original creditor and instead of reporting as " Paid In Full '' - its reporting as " included in bankruptcy '' as discharged debt. This is reflecting as if the company was not Paid and it is adversely affecting my rental history. This negative reporting is affecting my ability to find housing. I have contacted transunion in writing and over the phone and I also requested a detailed description of the investigation and was denied the information and instead the account was disputed again with no change. The investigation completed by XXXX concluded the info was not accurate. There is a 54 point difference in my scores because of this.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to TransUnion 's updated credit file on XX/XX/2017 ( # XXXX ), XXXX # XXXX ... .. should be removed XX/XX/2017. As of XX/XX/2017, this item remains.

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 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Great Western Financial Services, Inc.
State: TX

Complaint narrative:
I started the loan process with a company. The first error was with loan interest rates and points. I was told one thing and then suddenly the amounts were different. I was told by the broker I would not be charged for an appraisal until that was the only thing left to finalize the loan and the loan was going to be approved. I was sent an email saying there was an issue in underwriting and suddenly everyone stopped communicating with me. Then, I got a call from a lender verifying more info. I called the broker and she acted like she had no idea what was going on and said she would check into things and get back to me. It has been over a week and I am still out {$550.00} for the appraisal and I have no idea about the status of my 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 monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I opened my Barclay Arrival+ card in early XX/XX/XXXX. I had made about 7-8 purchases on the card and was awarded my points, etc. I went to use the card on XX/XX/XXXX and the purchase was denied. I called to find out why my card was n't working and they said I 'll receive a letter that my account was closed. I have XXXX in points that I wo n't be able to use now.

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 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I got a call from XXXX ( XXXX/ XXXX Claim Number XXXX ) stating that I owed them {$2700.00} from a Tv that I took out in XX/XX/2012. All my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called conns customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE CONNS ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. XXXX stated they can not give me more info just to make a payment which i have proof I paid it off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
LoanMe has been sending me emails regarding my payment status, and claiming that I 'm calling them and to call Them back. However I have not called them regarding my loan nor have I emailed them. They continue to send me automated emails on how to make my payments and to call this number back as if I phoned them. It 's becoming annoying and it 's false communication tatctis

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
to whom it may concern ; i 'm writing this note because i 'm looking for some guidance in dealing with a situation which i 'm unfortunately stuck in and can not seem to extricate myself from. 
I started a mortgage modification process with XXXX almost 2 years now. while going through the modification process, XXXX apparently sold my mortgage to Shellpoint Mortgage Servicing with a P.O. in XXXX MI. 
I was n't very comfortable with how the process was proceeding so I requested to resume my payments to avoid further delinquency while we get the modification finalized. they returned my payments stating they can not accept payments while going through the modification process. 

here is the problems i 'm currently going through. repeatedly sent loan modification documents for 1.5 yrs now. bank keeps asking for more documents or claim they have not received documents sent. 
I engaged the assistance of a mortgage counselor just to ensure that the problem was n't with me. we gathered the documents requested, but every time we 've been to court they indicate to the judge that they are still missing documents. 
most recently I received an email from their attorney that my modification was declined because they did not get the information requested or there are documents provided in non pdf format and they could not view. when I saw the list of items they claim they did not get, it was the 1st time ever seeing them. in addition, I 've been submitting scanned documents in jpeg format for quite some time so not certain why after all this time they are not able to view. all this after receiving a letter from them on XX/XX/2017 that they 've " received your complete request for a loss mitigation program '', and they are currently reviewing the package to determine if the referenced loan qualifies for one of their programs. the notice i got from their attorney that they are missing information was on XX/XX/2017. 
I 'm now submitting a request for an Order of Mediation with the courts, but I fear that the bank will continue with the same practice of not really evaluating the application while my principal balance continue to balloon. 

Please help. 

thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Debt Recovery, Inc.
State: TX

Complaint narrative:
This is not my debt

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I have had a credit card account with USAA for years as my father who served in the military did before me. USAA retaliated against me for questioning submissions to my credit bureau by closing my credit line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
I have filed 3 previous complaints with the CFPB regarding Cavalry Portfolio and it 's affiliates. See CFPB complaint numbers # XXXX, # XXXX, and # XXXX, for more details. Cavalry Portfolio and it 's affiliates continue to commit the crime of " extortion '' by reporting false information on my credit report as well as no telling how many other victims. Cavalry Portfolio and it affiliates continue to respond with the same false excuse. In complaint # XXXX, I specifically requested certified account level documentation and Cavalry failed to provide it because they can not, which is illegal and the crime of " extortion ''. Proof of the " extortion '' is still being reported on my credit reports very easy to prove. " Extortion '' is a felony crime that ALL participating involved employees with Cavalry Portfolio and it 's affiliates need to be held accountable for. Civil Court Juries have awarded large amounts of money in lawsuits based on these type of practices by junk debt buyers. I know very well that the CFPB has held Cavalry Portfolio and it 's affiliates accountable in the past and imposed heavy fines on them as the agency should. I have heard that President Trump is going to use his authority as President of the United States to stop the " extortion '' by junk debt buyers. Such as to what Cavalry Portfolio and it 's affiliates are illegally doing to the American people. I am also going to contact Missouri State Attorney General, XXXX, Missouri US Senator, XXXX and Missouri US House Representative XXXX regarding the continued illegal practices of Cavalry Portfolio and it affiliates to aid in new tougher regulations being imposed on the junk debt buyer industry to protect the citizens of the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Brennan & Clark, Ltd., LLC
State: CA

Complaint narrative:
Collection agency continues to send me threatening letters if I do n't pay. I sent them a certified return receipt letter which they signed for asking them to show me proof that I owe this debt. I submitted to them emails, statement and letter indicating I do not owe this money. One XX/XX/2017 they received my explanation letter and since than I have received two more letters stating this is the final attempt with out an explanation.

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 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I have an inaccurate account on my credit reports from a Fair Collections & Out Inc I called them and they keep giving me a number to call another collection agencies about the account but they stated the account is n't with their office

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 2017-03-31 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX 2017, I went to the Rabobank branch on XXXX XXXX XXXX XXXX, XXXX, CA and XXXX was my teller. I asked her to deposit my check, which was {$3000.00} into my Savings account. She confirmed that the funds would go into Savings then began trying to sell additional products/services that the bank offered, which may have distracted her from my request. When I received my receipt I noticed that the amount in my checking account had increased by {$3000.00} and that my Savings account balance had not changed. I once again asked XXXX the teller if the funds had been deposited into my Checking or Savings account and she confirmed it had gone into Savings, which did not align with the receipt. 
Later that day I checked my balance online and as I suspected the funds had not been moved into my Savings account. Therefore, I completed a balance transfer online in the amount of {$3000.00} and figured I would just do it myself, as I could see my newly deposited funds in my Checking Account. 
The following day on XX/XX/XXXX 2017 I received notification that my Checking account balance was overdrawn and I was being charged fees, adding up to {$280.00}. Upon further investigation I found out the bank had moved money from my Checking account into my Savings account without my knowledge. This caused my Checking account to be overdrawn as {$6000.00} total was moved out of my Checking account, the {$3000.00} I moved, as well as {$3000.00} the bank moved well after the point in time that I completed the transaction. I would not have moved {$3000.00} out of my checking account had the funds been deposited correctly into savings at the time I visited the branch. 
The negligence from this bank branch has caused me to pay unnecessary fees and should be illegal. Once I noticed this I discussed it with XXXX in person, he took down my information and said that a manager would give me a call. 
Two days later, when I discussed this with the bank manager ( I do not recall her name ) she offered to split the difference of the fees with me, by dropping them by {$140.00} to {$140.00}. I explained that this was not good enough as I had money available and it was only due to the way they transferred money in my account which caused me to be overdrawn. 
Please investigate this, I do not even want to deal with this branch anymore and may move my accounts to another institution as this was a fairly simple request, which led to unnecessary fees. I believe I should be refunded the full amount of the fees or an additional {$140.00} as I should not be required to pay fees which only occurred due to their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
This complaint is against the company Ginny 's which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. 

The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Ginny 's website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. 

i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. 

They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. 

Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. 

Please refer to support documents which verify the facts in this complaint. 

I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. 

The fact is that if the website says I owe nothing then I feel that I do not owe them anything. 

At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. 

I have had to change bank accounts to avoid them having any of my banking information. 

This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. 

Out of courtesy, i did send a letter to Ginny 's explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.

Company response to consumer: Untimely response