vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC
State: OH

Complaint narrative:
I started the loan on XXXX/XXXX/XXXX and did n't really understand what I had gotten myself into I took the loan out for {$390.00} and they have been taking a payment in the amount of {$110.00} every 2 weeks. I have been contacting the company since XXXX/XXXX/XXXX to get the payoff balance since then. I have called for over 3 weeks. I also asked them to not take any more money out of my account as I was trying to pay it off in because there is no penalty for paying it off early. the answer I get is that the system is down and it still down. Now in the last week and a half they do n't answer and want you to leave a voicemail but do n't return calls. I had to go to the back and pay {$25.00} to get the unauthorized charges after I told them to stop taking money from my account since I was paying the account off. This has a 730 % interest rate. I think that this might be a scam. The systems are down they are able to take money from peoples accounts for the payments. They are still able to start new accounts but they are unable to allow you to pay the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
Sometime around XX/XX/XXXX, I understand that Pendrick Capital Partners purchased an account from XXXX XXXX XXXX XXXX. The amount of the debt was supposedly {$870.00}. Since that time, they have farmed out collection of it to a half-dozen different debt collectors. I have explained on multiple occasions to their hired agents that I had insurance which should have covered the entire amount due to the ER. Then, around XX/XX/XXXX, Pendrick hired a company called XXXX XXXX XXXX in Pennsylvania to try to once again collect the {$870.00} it claims ( wrongly ) is owed. I looked up XXXX with the Florida Office of Financial Regulation and quickly saw that XXXX is not licensed to collect debt in Florida, as state law requires. How is it that I, as a single consumer, can quickly check into this and see that this debt collector has no legal ability to collect debt in Florida, yet a company as large as Pendrick does n't bother to do so? Take a look at the Florida consumer collection agency license. It reads in large capital letters that was REVOKED. This means nothing? So besides a debt which has been disputed and shuffled around to a half-dozen different collection agencies, Pendrick Capital has hired an unlicensed company to collect on a debt that should n't exist. This is all very fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
on XX/XX/2017 I disputed the balance on 2 of the 3 XXXX XXXX credit cards I have because I paid the accounts off so I wanted to see the XXXX balance on my credit report with trans union. Instead of correcting the balance trans union removed the 2 credit cards from my report they had been on my report for over a year and a half. I called XXXX XXXX several times they verified the information is being sent to trans union with my social security number. Trans Union states they wont add it back to my report because I am only an authorized user, I stated that its been on my report for the last year and a half and they have my social security number if something happens to my husband who do you think they will contact for payment?, me. Trans Union is refusing to add it back. I want the 2 XXXX XXXX accounts added back to my trans union report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
After I submitted a dispute with Experian, and they investigated, as is my right under FCRA rules, on XX/XX/XXXX, I requested information on the investigation itself : Please see attached letter from me to Experian for details. They ignored my request. So on XX/XX/XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.

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 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
7 years ago, someone hacked my credit and stole my identity posing as me but without my full legal name..I have written to Experian credit union and repeatedly they have shown negligence in removing fraudulent items from my report. I have spoken with supervisors for hours on end and gotten no assistance. My initial letters, police report listing fraudulent items and FTC affidavit were mailed to them XX/XX/XXXX. It has been over 45 days, the legal amount of time they have to investigate the items. The following items are still fraudulent being listed on my credit report under Experian. No legally required notorized verification was provided to me showing that these items are mine nor proof from the lenders, which is required by law.I have spoken with numerous supervisors at Experian and XXXX and they have not done thier job to investigate. When I have provided the uploaded prove these were not mine, they still did not remove. This has NOT been done so therefore these items must be removed. XXXX XXXX XXXX # XXXX XX/XX/XXXX, {$380.00} ALSO INQUIRIES NOT MINE : XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Card, XXXX, XXXX, XXXX, 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 2017-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Find attached my daughters amortization schedule to date on her Navient student loans. XXXX XXXX consolidated two of my daughters loans on XX/XX/XXXX for a total of $ XXXX. Other than when we were on IBR ( XX/XX/XXXX to XX/XX/XXXX ) we have paid monthly. During the IBR we paid approximately {$3800.00} to try and keep up with the interest due. After the IBR, they almost doubled the payment, which we could not afford, so they reissued the loan at a similar rate as before. The attached Navient amortization schedule is very unusual as compared to a normal loan amortization schedule ( see attached XXXX loan statement along with a Direct loan sample sheet ). In almost 12 years we have made no headway on principal and the loan wo n't be paid off till XX/XX/XXXX. I believe this represents misapplied payments, which is the heart of the CFPB lawsuit against Navient. Please advise if I need to do anything else. I will attach documents sent to XXXX XXXX in a request for help along with the response from the Department of Education

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A.
State: IL

Complaint narrative:
As part of a Chapter XXXX filing on XXXX XXXX, 2010 PNC mortgage was a creditor discharged. I discovered that PNC had reported credit activity after having been discharged. The activity was reported to and published by XXXX. Although the creditor was discharged over 7 years ago and there was no reaffirmation agreement, XXXX chose to publish the information. Upon notifying XXXX of their reporting violation, they acknowledged knowing the Chapter XXXX Bankruptcy date yet misapplied and misrepresented the reporting period for creditors discharged in Chapter XXXX. While I fully agree that the " record of bankruptcy '' will remain on my credit record for 10 years from the filing, the actual credit activity for the creditors themselves only remains for 7 years and NOT 10. The XXXX supervisor " XXXX '' in the Resolution Department stated that if PNC reports the activity, XXXX would include it on my credit report. She refused to provide a work ID or last name and only identified herself as XXXX. The representative then repeatedly stated that all the activity in the bankruptcy would remain for 10 years which is false. I repeatedly stated to her that there was a difference between a record of a bankruptcy remaining on my consumer credit report for 10 years and the creditor and credit activity additionally remaining for 10 years. The activity of a creditor should actually be deleted after 7 years from occurrence or the Chapter XXXX date of filing, whichever occurred first. If there is credit activity on the account after the Chapter XXXX filing or discharge date, the activity should NOT be reported or published unless the debt is reaffirmed. Mine was not reaffirmed. XXXX has an obligation not to repeat the mistakes of creditors and additionally should not misinform consumers regarding the law. Their ignorance has caused me much duress and time in trying to resolve the matter. I am seeking a home modification and this is adversely affecting the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield and Associates in XXXX TN contacted my ex-spouse about an account that has several medical bills attached to it. He was even subpoenaed to a court date. The bills are solely in my name and always have been even at the original providing facility. Wakefield and associates even sent him a detailed statement to my ex-husband at his address.  After I made it clear to them we were no longer married and that this could possibly even violate some health information protection acts. These bills are in my name and have been discussed extensively with him before I was even aware of them due to me never receiving any mail at my current address even though mail at my old address with my old married name is to be forwarded to my new address. So I assume I never received any mailings. Also, this company refuses to take any less for a payment than {$200.00} per month.

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 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Today I called Santander Bank to close my checking and savings account. Upon closing the accounts I was informed that if the bank receives any future debit requests for bill payments ( utilities, checks, etc. ) against my closed accounts they would automatically re-open my accounts. I was further advised that I would be responsible for any fees levied as a result of processing the debits because the accounts would be over-drafted. I clearly stated that I did not consent to having my accounts automatically re-opened, but was told that I had no choice. Legally banks should not be allowed to re-open closed accounts without the consent of the account owner.

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 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have made several attempts to dispute a debt claimed by Portfolio Recovery Associates ( PRA ) and have received insufficient information to validate that PRA actually owns the debt. They claim to have purchased a debt from XXXX XXXX XXXX XXXX in XX/XX/XXXX and that they received 'electronic files ' verifying the account belonged to me. Upon their first contact with me, I disputed the debt and was sent only a statement from the original creditor dated XX/XX/XXXX. I have requested several times ( the latest time being XX/XX/XXXX ), and never received, a Bill of Sale proving that the alleged debt was sold and is actually due and payable to PRA, a copy of the original contract, or any proof that they have any right whatsoever to collect this alleged debt. I have however received from them many collection letters beginning in XX/XX/XXXX throughXX/XX/XXXX from the 'Legal Department ' as well as attorneys for PRA threatening to file suit to collect the alleged debt. I have also received from PRA many settlement offers, some as low as 40 % of the alleged debt, to settle with the understanding that my credit reports would show the debt to PRA was 'settled for less than the full amount '. This is unacceptable to me and I chose to ignore such offers at the time. After having this un-validated stain on my credit report for some time now, earlier this year I decided to make a settlement offer to PRA. On XX/XX/XXXX they received a letter from me offering a settlement of 10 % of the account balance in exchange for deleting their credit line from the credit reporting agencies. They failed to respond to my offer, so I attempted to communicate with them by telephone. I called on XX/XX/XXXX and was told that no settlement offer was available for any amount other than the full balance of {$940.00}. I declined, and instead sent yet another debt validation request. Now, PRA has decided to not only refuse to validate this debt, but they have refused as well to negotiate any kind of settlement on a debt they can not substantiate. I believe the actions of PRA to be in violation of many provisions of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and very much in violation of the Consent Order 2015-CFPB-0023 entered into between PRA and the CFPB on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has been notified their information is incorrect on the following account : XXXX XXXX According to their report there was a payment madeXX/XX/XXXX. I can assure you any activity with this creditor ceased long before that date. I am asking that Equifax require this creditor to provide proof of the activity on the account, and by proof Im not simply referring to their printed records. They must provide a ledger accounting of all payments and dates. Otherwise Equifax should remove this account entirely. Additionally, it can not be both charged off and late as the report shows. Equifax shows it closed onXX/XX/XXXX which is accurate and that is the last activity. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. This account is NOT listed on either XXXX or XXXX. Their records are correct and Equifax should adjust their records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
BSI Financial is the service company for my mortgage ; it was sold by XXXX to XXXX XXXX because I was XXXX and needed a modification. XXXX sold it to BSI Financial. After BSI did the modification they said I had no esgrow and I needed to pay extra to build it up ; which a did for a year and a half to put extra into my esgrow. one year later BSI is saying I have no esgrow again. I asked them how is that possible and where is the extra I paid already. They told me basically because they said so ... I asked for a detailed report showing me what was going on with my esgrow. They sent me a incomplete print out which showed some other errors. I asked my bank if the would help me since they are always offering financial planning services ; which they did. They saw that the mod looks like I was charged extra. there was no credits listed for my homeowners rebate. They felt that it proves that they never put the extra I paid into the esgrow account. At the end of this it says my budget is off by {$2.00} and they said it does n't warrant asking for {$1500.00}. and the original bill asking for esgrow shows that the planed and actual that the extra I paid was never added to the account also. I have spoken with BSI Financial 4 times about these errors and asked for a aduit of my account and a detailed report showing everything in order to correct these errors. It appears that they are n't taking this seriously. Please intervene to help get this matter fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NY

Complaint narrative:
There was a violation from the XXXX XXXX XXXX. Which was n't mine because the vehicle was stolen. I notified them and the account was sent to collections. I disputed the collections with the collections company Linebarger Goggan Blair & Sampson LLP back on XX/XX/XXXX and also on XX/XX/XXXX I have called twice and still no resolution to collections matter. I called today XX/XX/XXXX and they stated it is still under review. I tried also calling the XXXX XXXX XXXX and they referred me back to collections, I do n't believe I should have to wait 3 months for a reply on debt that is not mine. I want it cleared up asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: CA

Complaint narrative:
The matter is in reference to a XXXX XXXX XXXX ( XXXX ) utility account I held from XX/XX/XXXX XX/XX/XXXX. The account 's final bill was reported to Equifax Credit Bureau as not being paid. I have attempted ( three times ) to resolve this issue directly with XXXX, yet have received no response from them. While the XXXX electric utility account was in my name, payments were handled by a third party XXXX a roommate ) who failed/overlooked closing out the final XX/XX/XXXX bill. InXX/XX/XXXX, when the final bill was past due, I did not receive any email, mail or phone notification from XXXX that there was a past due balance. ( XXXX had all of my contact info. ) Therefore, I did not have a reasonable opportunity to fulfill the obligation and make final payment before the account was reported to Equifax credit bureau. In XX/XX/XXXX, I learned of the collection and immediately paid the account in full to clear the balance of {$240.00}. The collection account now shows as " closed '' with a XXXX balance on my Equifax report. Considering the facts of this matter, I am asking Equifax to remove the closed/paid XXXX XXXX XXXX account from my credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called XXXX today around XXXX and spoke to a gentleman. I advised that I was a victim of Transunions Inquiriy Issue and I needed specific inquiries removed. The inquiries I advised need to be moved are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has been notified their information is incorrect on the following account : XXXX XXXX XXXX XXXX Ive reviewed my records and the last activity on this account occurred XXXX/XXXX/XXXX with my check # XXXX. No further activity occurred. If the creditor claims otherwise Im asking that Equifax require them to provide proof of any such alleged activity and by proof Im not simply referring to their printed records. They must provide a ledger accounting of any activity beyond the date Ive listed. Otherwise Equifax should remove this account entirely. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me.e. This account is NOT listed on either XXXX or XXXX. Their records are correct and Equifax should adjust their records accordingly.

Company response to consumer: Closed with explanation