vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
Due to the covid-19 situation, I lost my income and am unable to make the minimum payment on this loan that was due on XX/XX/2020. I contacted the lender on XX/XX/2020 to ask if I could defer the loan 3 months ( as other lenders had done ). The representative said he would put a request in and that I should receive an email w/documents that I will need to fill out and turn back in. It would take 1-2 business days. I called back on XX/XX/2020 to make sure this was done. The representative checked and yes, the request had been sent, but nothing was emailed to me yet. Should receive it that evening. Called back and emailed on XX/XX/2020 ... .still nothing received and they had no information for me. They said again, email should be sent by end of day. Called on XX/XX/2020, still no email and again told the same info ... except today I am told it takes 1-3 business days and possibly longer. Should receive email soon. Each day I have told them I have never been late on a payment. I am told I have a grace period until XX/XX/2020. Called again on XX/XX/2020 and I am told the same-I ask for a supervisor. He says they do not have any new info. He also says that some requests have been unanswered for months and he does not know if there is anything they can do for me. They have not received any guidance from the managers. He gives me the email address to email them directly. I have not received a response from that email ; or, the one I sent on XX/XX/2020. I am not able to get any answers from this company and basically I am not able to pay on this loan at this time. I was set to pay it off this year. I am very distraught and concerned as I have NEVER been late on a payment and all I receive from them is lip service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Letters requesting validation were sent on XX/XX/XXXX and XX/XX/XXXX No responses were received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My visa card with a {$4400.00} limit is reporting twice on my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XX/XX/XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CB/XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX DSNB MACYS  XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 explanation
Consumer complaint received 2020-03-22 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: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I paid in full as settlement and not updated/removed from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My visa card with a {$4400.00} limit is reporting twice on my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX  is reporting my Capital One credit card with a XXXX balance twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22 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: CA

Complaint narrative:
I haven't received any feedback from my complaint for 60 days now from the bureau which is just complete disregard for the laws that govern them. I hope with your help this will not continue

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 2020-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
After receiving calls from Midland Credit Management from multiple numbers ( XXXX, XXXX, XXXX ) and no voicemails left by these numbers, I searched the numbers on XXXX. I went to the company 's website from XXXX to look up my account via name and last 4 of my SSN because I didn't have an account number. No account was found, so I then emailed via the company website to stop calling on/around XX/XX/XXXX. I emailed again on XX/XX/XXXX after receiving a call from XXXX. On XX/XX/XXXX, I received a call at XXXX XXXX  ( CST ) from XXXX. On XX/XX/XXXX, I received a call again from that number at XXXX XXXX  ( CST ). I received calls on XX/XX/XXXX ( XXXX ), XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I recently missed a payment. I work in XXXX and with the current situation it was simply overlooked. I truly do not understand how this company gets away with NOT calling or emailing or writing to their customers that they missed a payment. Where is the notice that indicates that if the loan is not paid, I would be reported to the Credit bureaus? I can't believe after all this time of trying to do everything right and improve my scores, that HESAA just reports a 30 day late report and destroys my score! Does HESAA really not have any obligation to the customer to put them on notice of a missed payment? I have since paid all of my loan up to date ( these are actually my sons loans but he is currently out of work, not that HESAA cares about what is going on in the world today ) and in fact have paid what is due on XX/XX/XXXX as well. If I had the means, I would pay these loans off today. It's just not that easy with Federal Loans for XXXX children that I put through school as well. But my Federal loans send me notices on a regular basis and they call me too. HESAA has all that information, but they do nothing. The Federal Loans also do not report to the credit bureaus until you are at 90 days past due. They do everything in their power to assist with making sure the payments can be made. I'm not asking HESAA to change their process except I do believe they owe it to those who borrow and have been repaying regularly to at least call, write, email.. do something to put the customer on notice. People are doing what they can to keep up and working in XXXX is Hard these days. I'm sorry I forgot to make a payment. But, why do you have to destroy peoples lives over a missed payment. Have a heart. Please take this notice back. It's not fair! Thank you! Stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX is not repoting my Mastercard with a XXXX limit to Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not received any response from the bureau for 60 days now. this is just a complete disregard for the laws when a consumer files a dispute. I hope with your help this will not be allowed to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Select Portfolio Servicing is engaged in various Federal and California consumer law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: MD

Complaint narrative:
XXXX XXXX is not repoting my XXXX with a XXXX limit to XXXX  or transunion.

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 2020-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1500.00}, and have had 10 bi-weekly withdrawals of approximately {$180.00} to {$130.00} debited from my account. This results in a principal balance of {$1400.00}. 

I am willing to repay the {$42.00} balance via credit card in 5 monthly installments of {$8.00} each on the last Friday of each month. 

At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 

Please contact me to set up payment arrangements as outlined above.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My problems originated in late XXXX - early XXXX. I was struggling financially and had defaulted on a credit card with Capital One Bank. I was served papers on XX/XX/XXXX from Superior Court of XXXX County Georgia ( Civil Action File # XXXX ) informing me of the Civil Action filed against me by the now defunct XXXX XXXX XXXX XXXX XXXX, XXXX. of XXXX, Georgia XXXX. 
I settled this issue in person at the offices of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/XXXX for the sum of approximately {$5000.00}. While in the office, I was informed of another Civil Action they would soon be filing to collect approximately {$800.00}. I returned to their office on XX/XX/XXXX and settled this debt. 
On XX/XX/XXXX, I again received a notice of attempt to collect the above listed debts from the Office of XXXX XXXX XXXX at the same address listed above. I contacted their office by phone and explained these debts were paid in full. Sent them copies of the settlement letters I received from them on XX/XX/XXXX & XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I again received a notice of attempt to collect from the office of XXXX XXXX. I called the office and advised them the debt was settled and reminded them of the email sent on or around XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I received a notice of attempt to collect. However, this time, it was sent from the Office of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. Mr. XXXX  & Mr. XXXX are Mr. XXXX XXXX XXXX and Mr. XXXX XXXX. XXXX. They are both listed as Defendants along with Mr. XXXX XXXX XXXX in Civil Action Case # XXXX filed in the U.S. Court for the Northern District of Georgia , XXXX Division dated XXXX. Also working at XXXX XXXX XXXX are ; Mr. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All who are former employees of XXXX XXXX XXXX XXXX XXXX at the time of the above Civil Action. I called their office and asked for Mr. XXXX or Mr. XXXX to personally return my call. To date I have not heard back. 
On XX/XX/XXXX, I have again received a notice of a judgement against me. They are Knowingly attempting to collect a debt that was settled 12+ years ago with threats of a property lien or garnished wages. 
This matter has gotten very aggravating and needs to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
A purchase was made at Macy 's for {$56.00} on XX/XX/2019. An online payment was made when the statement was received in XXXX, XXXX. When I had not seen the payment clear my bank, I called and was told no payment had been received. The online payment did not go through. I made a payment of {$560.00} on XXXX XXXX and was told the late fee would be dropped. The account given to the customer service evidently was missing the final number. The representative did not realize there were only 9 digits instead of 10. The bank of course could not process it. A {$27.00} returned check fee was added then when I called explained the fee was removed on XX/XX/2019. I paid for the original purchase of {$56.00} and the late fee and returned check fee were removed from my account by Macy 's. I then received a statement for {$31.00} when I should have had a XXXX  balance if all the charges they said they would remove were removed. 
I contacted Macy 's credit office and was told the charges would be removed. I continued to get statements with penalty and interested added. I continued to contact the credit office and was told again and again it would be removed. 

I finally contacted the central office and explained the list of promises not kept and that I owed Macy 's nothing. 
XXXX XXXX refused to accept the fact that I was promised by Macy staff that those charges would be removed. I now have a bill for {$230.00} for late fees and interest when an honest mistake of leaving off one number on my checking account was made and the costumer service representative consistently assured me the fees would be removed. For an honest mistake and the unkept promises of Macy customer representatives a XXXX  balance has now grown into a statement of {$230.00}.

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 2020-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
Dear Lender, It has come to my attention that lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Further the laws governing usury in my state are as follows : Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 

Your interest rates far exceed the upper limits of the statute. 

Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1400.00} on XX/XX/2019, and have had bi-weekly withdrawals of {$120.00} debited from my account. This results in a principal balance due of {$1400.00}. Which is an overpayment of {$97.00}. 

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my account has been satisfied in full. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Account reported on XX/XX/2019 in the sum of XXXX XXXX I disputed it 3 or 4 times already and its still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1000.00} on XX/XX/2019, and have had XXXX bi-weekly withdrawals of {$40.00} debited from my account. This results in a principal balance due of {$330.00}. 

I am willing to repay the {$330.00} balance via credit card in 10 monthly installments of {$32.00} each on the last Friday of each month. 

At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 

Please contact me to set up payment arrangements as outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 
Although I am not legally required to do so, I am willing to repay the principal balance of this loan. 

To date, I received a deposit of {$900.00}, and have had XXXX bi-weekly withdrawals of between {$310.00} and {$230.00} debited from my account. This results in a principal balance of {$1900.00}. This results in an overpayment of {$1000.00}. 

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$1000.00} overpayment. A refund check of {$1000.00} should be mailed to me at the address you have on file. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, 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