vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 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: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Portfolio Recovery. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XX/XX/XXXX. 

We took out Chapter XXXX Bankruptcy on XX/XX/XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw Portfolio Recovery checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

Portfolio Recovery is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I sent a wire to Coinbase company on XXXX/XXXX/XXXX and per their web site it should credit my account same day or next business day, till date XXXX they dont reply to my inquires nor do they have a phone number to call them. I emailed their bank XXXX XXXX bank and they told me that they received the wire same day I sent it and credit it to Coinbase account. They have kept my money for 5 days and Im getting no where with them and feel I got scammed or they are utilizing my funds to make profit. Please help me as I feel so desperate at this point Wire amount {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal limited my account on XXXX for additional documentations. After I uploaded my identifying documents and business documents, Paypal decided to permanently freeze my account and lock my fund for 180 days citing " security reasons '' for chargebacks. This is absolutely ridiculous, all the payments I received are from Paypal funds or checking accounts. This is their way of getting a free loan from their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc
State: AR

Complaint narrative:
National Service Bureau continues to report derogatory information to the XXXX major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX XXXX that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
XXXX Any insurance claims been made by any creditor regarding this account. XXXX Any Judgments obtained by any creditor regarding this account. XXXX Name and address of alleged creditor. XXXX Name on file of alleged debtor. XXXX Alleged account number. XXXX Address on file for alleged debtor. XXXX Amount of alleged debt. XXXX Date this alleged debt became payable. XXXX Date of original charge off or delinquency. XXXX Verification that this debt was assigned or sold to collector. XXXX Complete accounting of alleged debt. XXXX XXXX for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I graduated in XXXX from XXXX XXXX at XXXX with several student loans. I consolidated these in XXXX when I was at XXXX completing my XXXX fellowship. XXXX XXXX was assigned as my loan servicing company. I became aware of and was advised by XXXX XXXX that I would qualify for the " Public Service Loan Repayment Program. '' The representative from XXXX XXXX told me that I should restructure my payments and that after 120 total payments dated from the consolidation of my loans that my loans would be forgiven. They arranged a payment program that was to end in XX/XX/XXXX and that at that time I would be eligible to apply to have my loans forgiven. I was shockingly advised however by Navient this Monday that after all of these years of my paying them, that I am NOT eligible and that I would need to apply for another type of loan called a " Direct Loan '' to be eligible and that another 10 years of payments and service would be required to become eligible! This was shocking and I immediately requested speaking with a supervisor. I was told that none of the payments that I have made to date will count toward the Loan Forgiveness program as we had been told previously by XXXX XXXX. I am told there is no appeal process of any kind and that my only option is basically to start over. This is a financial blow to our family of enormous consequence. We have been planning our retirement, our children 's college education and my employment decisions around this program that I had been falsely assured I was eligible for. It is not appropriate for a company who has a financial gain to be giving misleading advice that they may benefit from while the individual doing the public service in good faith has no recourse. I found online that many other persons are experiencing this and that a lawsuit is apparently the only option for those of us who have experienced this shock. I have never sued anyone previously in my life and am writing as surely there must be some means of appeal and investigation. Please contact me at your earliest convenience to let me know what options may exist for our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I went into a XXXX XXXX store and asked where to pay my balance and return an item. I returned the items and knew my product was less than XXXX bucks of my balance. I attempted to give the cashier XXXX dollars and she refuse saying the systems shows no balance and mentioned the product I brought was not on sale so item returned at the higher price covering the XXXX cent balance. Either the system or teller was wrong, as Corporate XXXX XXXX said I owed XXXX cents and became 30 days late XXXX XXXX for the XXXX. I never received a bill or notification. I wrote a letter along with XXXX dollar bill and sent it to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX as a prevention method. 
Two customer service reps one XXXX other unknown wrote internal complaint letters on the handling and requested cashier training on clearance and sale return items. 
I am still fighting for a lower Mortgage rate that was hiked because of this issue

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 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
I let my subscription to XXXX XXXX newspaper lapse and did not renew.This was after many complaints about missed newspapers or late delivery and no corrective action.XXXX  XXXX unlawfully sent my account into collection to `ARM Solutions Inc.To protect my credit I was forced to pay an amount of {$98.00} to ARM Solutions on XXXX 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 2017-10-18 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I went to XXXX XXXX in XXXX, MI to inquire about purchasing a vehicle. They ran a credit check for a loan to see what my financing options were, only to be denied by XXXX XXXX  because XXXX XXXX XXXX reported my credit score as XXXX. My credit is very good ( high XXXX ) and this company should not be allowed to operate. One of their reasons behind the low score was distance between address and area code of phone - absolutely ludicrous. This company is nothing but a scam to try to obtain personal information. I dont know why the bank would find them reputable in any capacity.

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 2017-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was very possibly hacked and stolen from the Equifax breach. On XXXX XXXX, XXXX I have gotten my annual credit reports to ensure there was nothing out of the ordinary on there, I placed an initial 90 day fraud alert through Equifax and I am now filing this complaint. This breach could be potentially catastrophic to me if my information is stolen and this is absolutely unacceptable and Equifax has handled this situation extremely poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient XXXX, XXXX symbol XXXX, is the worst company ever. They make it a business to rip off their customers. First, I am a on time payment customer. Just this month I receive a bill telling me that my loans are in deferment. This is obviously not the case as I have been making full principal and interest payments for the past year. Also I have graduated college in XXXX, so this makes no sense. Tell me how my loans get to be placed in deferment with out my authorization???? They do n't. What they are doing if fraudulent and unfair. Had I not noticed this, 1 ) One of my loans I would be paying interest only and NEVER paying principal. According to the contract I signed this would not be the case because as stated from years XXXX to XXXX I am on a full principal & interest payment plan. This lines their pockets with cash and me the consumer does not get out of debt. Talk about unfair business practices. 
2 ) My second loan is in a worse situation. According to them the loan is in " In School Fixed Payment Plan '' which is a euphemism for NEGATIVE AMORTIZATION. Tell me again how this happened?? I go from full principal and interest payments to a Negative Amortization plan. The problem with this is that the interest that accrues over the billing cycle does NOT get paid and gets added back to the principal. This increases your principal balance so you NEVER get out of the loan. I have about {$27000.00} in outstanding principal balance. {$250.00} in Interest is being added back to my principal balance. How does this happen when my payment plan is in FULL PRINCIPAL AND INTEREST PAYMENTS. 
THIS IS HOW THEY MAKE MILLIONS OFF OF UNSUSPECTING CONSUMERS. 
Finally, this is not the first time this has happened. This is the third time they have incorrectly represented payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX at XXXX XXXX I was finally able to make a payment to The XXXX XXXX XXXX. I had tried throughout the day and the site was having issues. They posted the payment on XXXX/XXXX/XXXX. On, XXXX/XXXX/XXXX, after receiving my current bill I wrote, since I was charged a {$27.00} late fee and asked to have the late fee reversed since there was an issue with their site. On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating there were some updates made to their online account and one of the updates was if I needed the payment to post to my account on the same day and it is after XXXX XXXX I could call and they would process the payment for me. But, since my account was closed in XXXX XXXX, they are not able to credit any late fees at this time. I asked why I did NOT receive any information about this according to my credit card contract and wrote back and stated since I had NOT received this update, please credit the account and I was asked to call by a XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called and spoke with " XXXX '' who told me I could NOT have the late fee credited because my account was closed. I explained to her that I NEVER received anything with regard to making the payment over the phone to be credited the same day when it was after XXXX XXXX She proceeded to tell me XXXX XXXX  provided WRONG information a few times and apologized for the bad information I was given ands she would make a notation that I was given bad information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: ID

Complaint narrative:
XXXX XXXX. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XXXX XXXX. 

We took out Chapter XXXX Bankruptcy on XXXX XXXX XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw XXXX XXXX checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

XXXX XXXX is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX XXXX. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XXXX XXXX. 

We took out Chapter XXXX Bankruptcy on XXXX XXXX XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw XXXX XXXX checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

XXXX XXXX is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our 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 2017-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Last XXXX XXXX, XXXX, I clearly requested to this company to validate the account they are reporting. Attached herewith is a copy of the letter I sent this company. XXXX responded and sent me an " FTC AFFIDAVIT ''. Please see an attached copy or what XXXX sent me. I DID NOT receive any validation document. I believe they responded to my letter to make it look like they complied with the law. But sending me this document just made it worse. What they sent me is not a validation document which is required by FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
professional credit service accounts XXXX and XXXX are wrongfully appearing on my XXXX XXXX XXXX  credit XXXX ... .was insured by XXXX at time of XXXX ... was covered under my mother XXXX XXXX at XXXX XXXX service.XXXX XXXX. is the original creditor. 
both debts are wrongful and harming my credit rating.XXXX has removed both accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC
State: CA

Complaint narrative:
They constantly keep calling and call more than 10 times of day and call both landline phone and cell phone which I do not even know how they got in the first place and send letters over and over again. I have tried to settle with the original owner of debt but never wanted to now this new company called Asset Recovery Solutions LLC will not stop with abusive language and threat tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
This company has hand mailed me 2 letters within the month now and these are n't regular collection notices, these are " court order '' documents with my name and address on them but no other information such as a judge or his signature on the document and also..no notary stamped anywhere. They have threatened to garnish my wages also.

Company response to consumer: Closed with explanation