vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Debt Counselors, LLC
State: TX

Complaint narrative:
UDC, LLC, in XXXX, Texas, sends letters trying to trick people into calling by giving indications that debt is past due when they are really just trying to refinance it. They send a letter on pink paper - historically the color of past due notices - using a style and language that makes people think their debt is past due. For example, the letter begins, " Please contact our offices at XXXX within 10 days of receiving this letter regarding the adjustments of your credit accounts. '' Also see other language in the letter ( attached ). 

These tactics should be considered a violation of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XXXX XXXX  Advertised a 5 % cash back on everything offer until XXXX. After I made purchases, they cancelled the account, and stole all of the rewards I had earned and refuse to pay the 5 % they advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I placed an order with XXXX  XXXX on XXXX XXXX for two dresses to attend a XXXX XXXX ball on XX/XX/2020. I paid for the dresses through my paypal line of credit. Well I have emailed and called and emailed and called the XXXX  XXXX company and have not gotten a answer or update on my order. So being that I needed the dress by XX/XX/XXXX and it does not look like its coming, I filed a dispute with paypal ( whom i paid for the items through ). All paypal did was tell me they have reached out to the company and Have not got a response from them.. I have read reviews on The XXXX XXXX company and many buyers are saying that experienced the same thing that I am experiencing and some even said they never got there order and the company nor paypal will give them their money back. I can not understand why paypal will be letting this company use them and they are a fraud.

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 2020-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have sent multiple debt validation letters to the credit bureaus and the company with the most recent letter dated XX/XX/19. I have never received a written response from the company. Once I submitted the last letter, I noticed on my credit report where they had closed the account and marked it as paid and then 1 or 2  months later, the account was reopened again. I have also contacted them by phone where the representative told me that they did not have nor could they produce a contract that I signed with them. I have tried to resolve this issue for the last year with no avail. However, they continue to report incorrect information on my report without responding to my debt validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX BOD XX/XX/ SS # XXXX SPS Serving has not updated my mortgage pay off and this is affecting my credit. 


They are the worst mortgage company. they would not help me to refinance my mortgage. I had to find another mortgage company XXXX XXXX and they were very helpful with my re-finance. The mortgage has been paid for two weeks and still they send me letters that my mortgage has not been paid. 

Solution : update my mortgage as paid off and stop harassing me for none payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
I contacted Credit Management LP in regards to a dept for XXXX. I spoke to them and agreed to pay if off in full in two installments one of XXXX on XX/XX/2020 and the other on XX/XX/XXXX for XXXX They drafted XXXX on XX/XX/XXXX the on the XX/XX/2020 they drafted {$370.00} and today on XX/XX/2020 another {$180.00} they have took out double the amount that was owed. 

The company is called Credit management LP XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX the reference Number # XXXX XXXX

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 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear CFPB regarding complain ID XXXX and the company 's response I believe the informations the company provided are incorrect. I have attached documents for your review.

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 2020-02-04 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management unlawfully filed a claim when they dont have jurisdiction, they dont have the legitimacy or authority. Their robo lawsuits are unfair, deceptive and abusive causing me substantial harm and injury to my name and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Somebody got a hold of my paypal account and my phone. They made like 7 charges totaling 600-700 dollars. I reported to paypal that these were unauthorized charges. They told me they weren't. I'm affirming to them that they were unauthorized, but clearly they don't know. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I make a deposit on a branch date XX/XX/2019 and dont receive an official receipt of the transaction. They are very bad people.

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 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I used my Cabela 's credit card back in XX/XX/2018for a {$450.00} cash advance. I have been paying on my account and have never missed a payment. I paid the cash advance amount off back in 2018. I continue to send in large payments that exceed the minimum balance. Upon calling the capital one to ask why I am still being charged interest in the amount of {$50.00} + each month on interest for the cash advance back in 2018 that was paid off, they informed me that my balance on the cash advance is now over {$2000.00} due to interest that is charged daily separate from my other charges. I informed them that I paid the cash advance off back in 2018 but I was informed that the interest is charged on the cash advance until the entire account is paid in full. So I am accruing interest on the increasing balance of interest which is adding to my amount due as a whole on something that I already paid off years ago! I tried to get them to stop this, but they told me that I will be charged interest on the {$2000.00} in interest until my account has a XXXX  balance. I am extremely upset as I am being charged a ton of money for something that I do not even owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After countless errors for several months blocking me from getting access to " identity works '' with Experian, I was finally able to get into the app. When I try to freeze my credit, it says that it's " unable to retrieve credit lock status ''. So I went directly to experian.com/freeze/center.html and requested to add a security freeze. After providing all of my information, I was informed that they were unable to freeze my credit at this time. They then provided me ads to pay them {$4.00} a month to lock my credit. 

Experian is refusing to comply with allowing me to freeze, and unfreeze, my credit. They are continuing to try and market their " credit lock '' services to solve my problem.

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 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
XXXX bought a new car, went to XXXX/Synchrony got the car rust proofed took out a 12 month no interest credit card set up a auto payment never got a billing statement at all. Four times I called them and they said they would send a statement never did. In XXXX of XXXX I bought a set of tires with six months interest free for 6 months if paid in full still never got a statement. in XXXX or XXXX called again they had charged me over 700 in interest because they made sure they were not payed first amount rust proofing was all paid to XXXX charged 400 plus and the tires another 300 plus still no statements to see where the payments were going or given the option to pay it off I received my first statement in XX/XX/XXXX. I have three accounts with them and two of them having the same problem no statement can't see where the money is going HSN, XXXX, and tires on XXXX which is now closed this company practices is very dishonest so you never pay off the specials they offer they need to change their way they do business 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 monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I try to make a payment on a branch and was closed. I call them to make the payment woth debit card on my overdraft and they dont want to take my credit card. Generating a overdraft fee of {$30.00}. They dont want to return my {$30.00}.

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 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
They are medical bill collectors called capital accts. They have called me several times every day for a medical bill. I have explained to them that I have over 50k in med bills from just last year and my meds are XXXX and I can not even pay for gas. they stated that ask the family to pay my bills or my spouse which is the only one able to keep a roof over our heads. they have placed 5 different collections on my credit report. I have explained to them im very sick and I know I have a bill but to please stop harassing me. they then stated they will seek legal action against me and it can result in judgment lien on me and anything I own it can also result in wage garnishment. I told them if I was able to work I would not be in this call with them. They call from several landlines they call and hang up and when you call back they answer. I do not know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: VA

Complaint narrative:
I have sent multiple debt validation letters to the credit bureaus and the company with the most recent letter dated XX/XX/18. I have received a written response from the company. However, they never provided me with any documentation showing that I owed a debt to them. I have tried to resolve this issue for the last two years with no avail. However, they continue to report incorrect information on my report without adequately responding to my debt validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Plus Inc
State: FL

Complaint narrative:
I am in the process of refinancing my VA loan with XXXX XXXX XXXX   which was in the closing process when a credit reporting company ( Credit Plus , Inc reported an incorrect payment record on my XXXX XXXX XXXX   home mortgage loan. This caused a crash in my FICO credit rating and my refinance application to be rejected. XXXX XXXX XXXX my current mortgage lender ALSO through a process of malfeasance reports my correct payment record on their web site BUT reported two ( 2 ) monthly payments 30 days late. to XXXX XXXX XXXX  AND all three credit reporting agencies, My account is CURRENT and paid up to date BUT both XXXX  XXXX and Credit Plus Inc intentionally misreported my actual payment record, causing 1 ) my refinance loan to be rejected and 2 ) my FICO credit rating to be REDUCED from XXXX to XXXX. These illegal reports of late payments have caused me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: F.H. Cann & Associates, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX i received my first letter regarding the current collections on this debt from the Dept of Ed.  This first letter was the FINAL NOTICE OF WAGE GARBISHMENT FOR DEBT OWED TO US GOVERNMENT. When i called the Dept of Ed on XX/XX/XXXX i was redirected to FH Cann. Prior to this XX/XX/XXXX letter I have had no contact from a collector about this student loan debt when another company tried but after I sent a written request for verification of the debt, the collector never supplied verification and stopped contacting me. So, in several phonecalls on XX/XX/XXXX I immediately questioned FH Cann as to how this FINAL NOTICE was the only notice I've received and all they said was everything was sent to the same address. On this call I was instructed of several repayment options, of which were slight variations of paying the debt off in full. Not until ending the intial phonecall and doing some research and learn about loan rehabilitation. Upon calling back on XX/XX/XXXX and mentioning the rehab program FH Cann then said that was an option. They then proceeded to pressure me and question me about expenses regardless of how many times I stated I'd like time to review my finances to provide these numbers. FH Cann provided an estimate based on these inaccurate numbers and persisted in trying to get me to agree to these terms. Several times I repeated I would like to review my finances and was ignored I said I would not agree to terms until I could do a financial review to provide accurate numbers and that I also needed verification of this debt before I could do so. I was told this information was to be sent to me. The only documents I received after this call was a prefilled out loan rehab income and expense form using all the unreviewed numbers from the phone call. No verification on the debt as of XX/XX/XXXX. I will now be following up with a written request of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I settled a balance with AMEX back in XX/XX/2019. I was NEVER informed that there would be a 1099-c with  tax consequences as a result. I would have never gone through with this settlement had this been disclosed to me and I would have preferred to make payments to pay entire balance. I need my entire tax return for my medical treatment. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Nelnet, Inc.
State: SD

Complaint narrative:
On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer Neltnet. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: VA

Complaint narrative:
On XX/XX/2020 I received a notification that a collections account was added to my credit report. However, I had not received any notification or documentation about the alleged account or debt. I was not given any opportunity to contact the company to verify or dispute the alleged debt The amount showing owed is {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: VA

Complaint narrative:
Conn 's has reported my account past due iao {$19.00} and showing past due for 30 days based on an fee. The pay account that I normally use for payment was changed due to fraud and I forgot to update the new account information. The payment came back returned and once I realized what had happened I immediately went into the account to make the payment. My contractual payment each month is {$31.00}. That payment was made on XX/XX/20 in full. Conn 's reported the account past due for 30 days on XX/XX/2020 and cause my credit score to drop 30 points and added a negative mark to my payment history. I called in XXXX, and have tried to resolve the issue with the company several times this by chat and phone and have yet to get this issue resolved. I was told that the supervisor would call me back before the XX/XX/XXXX and no one yet has called me still to this day. I reached out again on XX/XX/20. The rep stated that they can include the fee into the contractual payment amount due for that month. I advised that this was illegal and that technically they were changing the loan agreement without my consent. Conn 's changed my payment amount due for the current month to include the fees as the actual monthly payment due. I would like my payment amount adjusted to show the contractual payment amount due each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer Neltnet. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.

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