vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: LendUp Loans LLC
State: CA

Complaint narrative:
During a hard time in my life when I was unemployed I got caught up in the payday loan scheme to stay a float. I came across XXXX in XXXX, over the next year I was paying back the {$300.00} loan every week as promised. Then they push me in a large loan with longer payback period. At first this was okay, but then the interest began to accoumlated never allowing me to pay off the loan in full. Mind you in reviewing my history with them I had several short term loans all of which where paid on time and quickly, but with this longer term loan it became difficult. I tried on several occasions over the course of three years to pay it and/or make payment arrangements to settle without any results. They would began debiting my checking account so much to the point my checking account ranked up numerous NSF or over draft payment fees of {$30.00} a pop. This caused my checking account to reach as much as {$900.00} in fees causing my bank to close the account and report me to check systems. I tried to reach out since XXXX to lendup via online customer support their only direct means of communication with results. In the last three years I maybe spoken to an actual live rep 4 times and each time I was told that I had to pay the debt in full and they could reduce, settle or change payment terms. Every attempt to raise the principle amount of {$1000.00} in full was impossible. In fact this past year I attempt to pay the balance with proceeds from tax return and twice payment was reject from their system making it difficult to payoff this debt. I finally was able to speak to a live rep after several emails and was told that they would could take a payment over the phone, but that I need to have prepaid debit card, no credit cards or checking account payment. I borrowed the money and loaded it on a prepaid debit card and attempted to pay online again without success. Once again I reached out several times, the last time being on or about XX/XX/XXXX and go a rep on the phone to take a payment, but their system rejected it because they wanted need the entire balance plus interest. Fast forward, this issue has caused major damage to my credit file and fico as they continue to report current ( 120 days ) late on a four year old debt. At this point since have attempted to settle with this online lender over the course of four years without success and they have continue incorrectly report this debt current ( 120 days ) late, and that this loan is clearly and example of illegal prey of consumers for payday loans they can't afford. I humbly request this debt and line item of current, ( 120 days ) late and delinquency reporting be permanently removed from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I keep on receiving a bill of {$2900.00} for late payments from my IDR. Even though my IDR was recalculated on XX/XX/XXXX with a monthly payment of XXXX. The first recalculation of XXXX was dated XXXX XXXX with a monthly of {$980.00}. This first calculation was incorrectly done by fed loan because they used my old tax form of XXXX which I had uploaded in XXXX that stated that I filed jointly with my husband now ex-husband. And it was used to calculate my 1rst IDR request of XXXX even though I had uploaded my current tax form XXXX which indicated that Im head of household and single. The error was made by fed load not by me. All the current files were uploaded to be reviewed by fed loan, and they failed in doing so. 
This is the timeline of dealing with this issue : XXXX I send my IDR re-certification, including current tax information and paystubs XXXX receive the letter of IDR monthly payment  recalculated of {$980.00} XXXX I make several phone calls to Fed Loan, talked to many different agents. Many without giving me a straight answer or not even knowing how to handle the issue. In between these dates I resend the IDR request on XX/XX/XXXX and include again current tax and paystubs XX/XX/XXXX XXXX I receive again the IDR monthly payment recalculated of {$0.00}. 
XXXX-today- they are saying that my account is pass due and now in severe delinquency XXXX- I email Fed loan about issue. 
XXXX- I receive an email response from Fed loan still saying that I need to pay the amount {$2900.00} because they claim that, were unable to receive a legible paystub from you we were unable to calculate your payment off of your paystub.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was given a student loan with Sallie Mae ( now Navient ). I was XXXX at the time and didnt know what I was doing. The initial amount was for {$10000.00}. The loan now is around {$25000.00}. Over the years Navient has urged me to pay the minimum amount of apply for forbearance with ballooned the loan up to 200 % what it initially was. Navient has been unwilling to lower the interest rate or principal amount. 

My complaint is that they use deceptive practices to naive college students to keep them in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good afternoon. This complaint is in regards to paperwork that was sent to all credit reporting agencies reflecting a XXXX balance on my XXXX XXXX XXXX XXXX XXXX XXXX credit card. This account was paid in full and XXXX XXXX XXXX XXXX sent over documentation to reflect. I am in the process of purchasing a home for my family and I and this is reflecting my approval. The balance is incorrect on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. On today, XX/XX/10, I entered the XXXX XXXX. XXXX at XXXX XXXX XXXX XXXX to cash a check. 

2. XXXX, the financial services mgr., said there was an issue with my student loan financial aid check from XXXXt XXXX XXXX . He said there were 2 signature lines but only one signature. Even though the second line states the second  signature is only needed for amounts over 10k , whereas the check is for XXXX XXXX He said I should be careful with what checks I deposit. 

3. I called XXXX XXXX, director of Financial Aid, to put her on the phone with XXXX. With her on line, he refused to speak with her, saying, I'm done with you. I asked if he could pls talk to her, so she could understand the issue and possibly help other students in the future. He refused to talk with her and said I'm done with you. I said I'm not done. 

4. Security standing nearby gestured for me to leave the teller area. 

5. I asked for the district mgr. Name and number, he refused. 

6. I asked for his name, he refused.

7. I asked for his card, he refused. He said Sir you're making a scene. 

8. I walked to another branch to make a complaint with XXXX. 

9. I had to call the XXXX branch to obtain XXXX 's name, which is consistent with what I could partially see on his badge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove old bankruptcy from my credit report. 
Public Record Date Filed - XX/XX/2013 Type - Chapter XXXX Bankruptcy Discharged Court - BK Reference - 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 2019-07-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove old bankruptcy from my credit report. 
Public Record Date Filed - XX/XX/2013 Type - Chapter XXXX   Bankruptcy Discharged Court - BK Reference - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
On XX/XX/XXXX I had an on the job injury to my left shoulder. Upon the surgeon 's request on XX/XX/XXXX, I was sent to XXXX XXXX for an XXXX XX/XX/XXXX. I received a bill for {$1100.00} XXXX of XXXX that I forwarded to Department of Labor. XXXX of XXXX I was notified that this bill was in collections held by Americollect. I sent them a certified letter asking for verification. Nothing was provided. I called to let them know this was a Workman 's Comp case and in turn I received another bill. I have reached out to XXXX XXXX and they have confirmed that this should not be a collection under my name. In the meantime, Americollect is continuing to report negative information on my credit report. This erroneous information is inconveniencing my military security clearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Paypal.com tell me i need to give copy of driver license, copy my social security number, just to open account. Which i been with PayPal for 10years, then I close business, then i open personal so can buy on XXXX. I been buying on eBay without using PayPal because all XXXX they keep telling me i need to do. XXXX been sending my stuff to same address i give paypal, paypal say 's i can't use address, and give them copy of my electric, gas bill. Well about 5-10 years ago paypal Refused my Social Security Number, saying its not mine. Supposedly it belongs to there employee, i told paypal to give me more information so i can turn to law enforcement. But paypal asking for to much information to open account. Other people i know never had to give copy of their license, SS # .please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian has fraudulently charged my credit card for {$24.00} for XXXX and XX/XX/2019 without my permission. This is an online scam by a credit bureau on an unsuspecting customer. 

This credit bureau stores the credit card for single use purchases and then fraudulently charges additional amounts without permission from consumers and for no extra services. 

This company must be penalized for these fraudulent practices. 

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 2019-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
This complaint serves as a follow-up on complaint # XXXX. Previously, my student loan servicer " University Accounting Service '' ( UAS ) informed me that I held a student loan owned by a lender " XXXX XXXX XXXX '' ( XXXX ). UAS would not provide a copy of the master promissory note nor would they provide contact information for the listed lender XXXX. My own investigation of this lender suggests that this lender either does not exist or can not be contacted, which I believe violates my rights as a borrower. As a direct result of my previous complaint with the CFPB ( # XXXX ), UAS did eventually provide a master promissory note for this loan signed in 2008. However, both the creditor and the lender listed on the master promissory note have since declared bankruptcy. Given that neither the original creditor/lender nor the current lender can be contacted, I have serious concerns that my rights as a borrower are being violated in that I am unable to verify to whom I owe this debt. I am requesting that either UAS provide valid contact information for the lender or that UAS provide documentation that the lender ( XXXX ) is in fact an active organization ( there is no indication that this is currently the case ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
USING THE DISPUTE PROCESS FOR CREDIT REPORT ISSUES DISPUTE ISSUES : CUSTOMER SERVICE CAN NOT CONTACT ANYONE FOR HELP. EVERYONE AT EQUIFAX IS UNAVAILABLE. 

SENT 2 DISPUTES BY US CERTIFIED MAIL. BOTH WERE RECEIVED AS CERTIFIED BY USPS. WHY 2? 
FIRST SENT/RECEIVED XX/XX/2019 -- XXXX. 
SECOND SENT/RECEIVED XX/XX/2019 -- -- XX/XX/2019 SPENT 2.5 HOURS ONE DAY AFTER BEING 8-10 TIMES FROM NEVADA -- XXXX -- XXXX XXXX -- -- XXXX . ASKING FOR STATUS OF DISPUTE, AFTER 45 DAYS IN THEIR POSSESSION. 

SPENT OVER 3 HOURS ANOTHER DAY AFTER SENDING SECOND DISPUTE LETTER. SAME LOCATIONS, NO HELP PERSONNEL COMPLETELY INEPT! SEEMED UNABLE TO VERIFY ANY INFORMATION. SECOND DISPUTE WAS THERE FOR 9 DAYS. 
COULD NOT OFFER ANY ADVICE OTHER THAN TO SEND A THIRD ( 3rd ) DISPUTE!!!! 
EQUIFAX CAN'T FIND MY CERTIFIED MAIL I FEEL THERE IS NO ACCOUNTABLE EMPLOYEES AND MY CONFIDENTIAL INFORMATION HAS BEEN MISPLACED OR STOLEN. 
EQUIFAX HAS A POOR RECORD WITH SECURITY ... .RIGHT?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have contacted PNC Bank several times regarding a discrepancy in my billing. In XX/XX/XXXX the amount of {$230.00} was received on my statement I disputed the amount because that was never my payment amount. Due to some personal issues I did not get to follow-up again until XX/XX/XXXX. In XX/XX/XXXX, I contacted them payed everything due including fees with exception to the XXXX amount. Thru additional conversations with PNC they informed me in XX/XX/XXXX they  adjusted my contract payment amount from {$380.00} down to {$360.00}. My grandmother made additional principal payments of {$2000.00} in total over a course of one year as given to me in my contract to prepay. When they made that payment adjustment they never contacted me and informed me my payment was changed or why and they violated my contract in my right to prepay. By the payment being changed they extended my maturity date back to the original contract collecting additional interest. I consider this a violation of CFPB regulations and have also filed a complaint with the Texas Attorney General which where I reside. 

Please also note I have paid payments for the months of XX/XX/XXXX and XX/XX/XXXX in the amount of the new payment change {$360.00} only to not have bad reflection on my credit report. I still dispute that amount in full. 

PNC Bank has supposedly escalated this many times and will return my calls via phone or in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.

Complaint narrative:
I opened and have maintained an leasing account with GM financial in XX/XX/XXXX. My lease is slotted to end XX/XX/XXXX. I moved, recently, out of the country and needed to end the lease early. I first called a GM dealership, asking to turn in the car on my way driving out of the country. They advised me that I needed to have an inspection done on the car. I called GM Financial, the leaseholder, and they CONFIRMED, via telephone, that this was the case. This was on XX/XX/XXXX. I was then told that a pre-inspection would be necessary. The pre-inspection should be scheduled within 48-72 hours, I was told. I was trying to return the car before leaving the US. Unfortunately, GM leasing could not transmit the file in the timeframe they said they would. I called back every business day after that, politely asking where my file was and when could I have the lease completed. Every time, I was assured that it would happen the next morning. I moved on XX/XX/XXXX, and left the car in the US, being charged $ XXXX/day for storage until the " mandatory '' pre-inspection lease was undertaken. I waited nearly two weeks, before yesterday talking to a customer rep who advised me that I was misinformed, and that the inspection is not required. I asked for an address to bill GM Financial for the costs of storage, as their mistake has now lead to me having to put out costs. The customer service reps then turned incredibly rude and refused to cooperate. They admitted no fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
the two debt listed by commonwealth finance are  incorrect, they reopened old bill, & the hospital they are collecting for was given my insurance info i had XXXX XXXX XXXX though medicaid office from XXXX up to XX/XX/XXXX, then moved to pa and have been cover under medicaid since XX/XX/XXXX ... my contact number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
We received claims for medical debts from our providers, which we paid through our XXXX XXXX XXXX. We have done this dozens of times with no issues. We were called by AWA Collections and informed that they were collecting on 2 separate medical debts. We asked for a statement to be sent to us explaining the charges. They sent it to the wrong address. They called again and we said we hadn't received it. We asked for it to be sent again and informed them of our address. They sent it to our address but before we received the statement, they had dinged my wifes credit. We looked at the charges and saw that the amounts had been previously paid. We sent them statements from our XXXX, showing the exact amounts being paid from our XXXX. They asked for bank statements, which the XXXX doesn't have, so we provided the XXXX account number. They said that they would reach out to the medical providers and get back to us. It has been months and we haven't heard back, but the amount owed on my wife 's credit report is increasing due to interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/19 I called on the phone for a free annual report from all three credit bureaus. I received my annual reports from XXXX and XXXX. I called again on XX/XX/19 and ordered my free annual report for just Equifax. It is now XX/XX/19 and I have not received or been contacted by Equifax.

Company response to consumer: Closed with explanation