vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Orion Capital Solutions LLC
State: CA

Complaint narrative:
The company that purchased the debt from XXXX XXXX is very unprofessional. They have left threatening messages on my phone multiple times. They have been incredibly rude and issued threats because I was unable to pay. They have lied about who actually owns the debt and whom is being paid for the amount that is owed.

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 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
Company RECEIVABLE MGMT GROUP is reporting a debt that is not verifiable and I am not responsible for. Must be addressed immediately as it is hurting my financial goals.

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 2020-01-23 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: U.S. BANCORP
State: CA

Complaint narrative:
I have a credit balance on my account that I was advised was on the account for the amount listed below. When I spoke to a representative they advised that they will not send a check back to me and due to them closing my account and removing the ability for me to have access to my money they are retaining the money. 

I have requested and requested the money as I have the proof that this happen and Elan Financial/Fidelity has not been willing to comply with issuance of a check and provide a  refund. 

The company will not assist and is delaying this. Elan financial has done this before and took over 30 days to get money back to me. 


XXXX Amount {$1100.00} {$1000.00} {$210.00} {$290.00} {$78.00} {$12.00} Total Amount {$2700.00}

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 2020-01-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
I was contacted in XX/XX/2019 by The Professional Bureau of Collections of a Maryland via phone. I had never heard of this company before! I was informed that my student loans were in collections and that I now owed roughly {$150000.00} to their company. A man informed me that {$300.00} a month isnt going to cut it. So I offered to pay {$250.00} in bi weekly payments- a stretch on my finances already. He agreed to help me set up this plan and I provided my information. I asked for a written explanation of my loan amount and he stated that it would be mailed to me. I never received anything from this company. I have yet to receive any written communication from this company. I had to XXXX it to find that it was even a legit collections company. I am beyond mortified that the US Dept of Education would set me up with such a shady company. The first two payments were made in XXXX. I figured I was making my auto payments. However, just right before XXXX, I was contacted AT MY JOB by this collections company. I had never given them permission to contact me at my employment. As the phone was answered by a colleague, it was disclosed that a debt collector was looking for me. I was horrified, especially because I figured that we had handled this privately. I found out that this company has been contacting my previous employers phone number. Please note : I have been faithfully paying my other student loans and I have been enrolled in auto payments for years. Email me, send me a letter, but calling my job is harassment. I set up a auto payment with XXXX for {$500.00}. This time he refused to do bi weekly payments and was, once again, supposed to send me a written statement. I had to call them in XXXX to ask for the amount to be lowered to {$300.00}. I was informed this month that, no matter what, any tax refund that I get back will be theres to take ... even though I am making auto payments. I do not trust this company, as I have been frequently lied to about the amount of my debt and about my repayment options. It feels predatory and abusive. I am still waiting for a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: MA

Complaint narrative:
There is a total of 12 perkins student loans on my credit report, 6 of the student loans being reported as DEPT OF ED/XXXX with a partial account number of XXXX were transferred and closed, and the other 6 that are being reported as DEPT OF ED/XXXX/XXXX are the same as the first 6 student loans, they were just renamed and paid in full. These student loans are Perkins student loans and they have a XXXX balance, in the year 1965 a law called The Higher Education Act was put in to action to help low income students. This federal law called the higher education act, allows me as a borrower of money from the department of education to get all of these student loans deleted from my credit report once they were paid in full. These are not private loans, these are federal loans, and since these loans are Perkins student loans, by this federal law, all of these must be deleted from my credit report. I want all of 3 of the major credit bureaus, ( XXXX ), XXXX  ), ( TRANSUNION ), to delete all of these 12 student loans and obey the Higher Education Act Law.

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 2020-01-23 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: MA

Complaint narrative:
There is a total of 12 perkins student loans on my credit report, 6 of the student loans being reported as DEPT OF ED/XXXX with a partial account number of XXXX were transferred and closed, and the other 6 that are being reported as DEPT OF ED/XXXX/XXXX are the same as the first 6 student loans, they were just renamed and paid in full. These student loans are Perkins student loans and they have a zero balance, in the year 1965 a law called The Higher Education Act was put in to action to help low income students. This federal law called the higher education act, allows me as a borrower of money from the department of education to get all of these student loans deleted from my credit report once they were paid in full. These are not private loans, these are federal loans, and since these loans are Perkins student loans, by this federal law, all of these must be deleted from my credit report. I want all of 3 of the major credit bureaus, ( XXXX ), EQUIFAX ), ( XXXX ), to delete all of these 12 student loans and obey the Higher Education Act Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Went into forbearance for the past two months And also made a payment. Navient then posted me 90 days past due on my credit report after telling me that my account was current and they couldnt do anything to fix the ninety days past due which I had in deferment! The rep I talked to was not truthful and that Navient could do nothing about the situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
The Attorney General of MA contacted me because I was identified of being a victim of XXXX XXXX illegal dealings w/ refinanced. As a settlement, they were required to refinance me and reduce my principal a significant amount ( up to 80 % of the value of my home ) $ XXXX {>= $1,000,000}. I was very ill, hospitalized, XXXX surgeries and constant XXXX XXXX. I was given extra time to finish my paper work. When I finished and submitted my application, they did what was done to me twice before. They increase the principal of the loan by the amount of missed payment. ( the loan stayed stable and was not reduced AS IF a payment was made. ). Due to my illness ( I filed hardship as well ) my income was lower for about 2-3 years. They added {$140000.00} to my principal and applied the DTI to  the new principal. So, I end up with a mortgage much more than I initially borrowed. Modification is not the reality. XXXX XXXX and another mortgage company before that use this to increase their loan amounts, thus larger loans with more interest. How is this relief? 
They did not take into consideration that my numbers reflected a period of illness to which I wrote a hardship request. 

What do I do now? They rejected my application, did not make any effort to comply to their settlement with the AG. 

I feel helpless because they keep saying that this is the way they do modifications. 
I feel I was tricked. And no one at XXXX XXXX wants to question this unethical business practice. 

I am also now XXXX, still working and I have a XXXX adult daughter living with me. 

What can I do? 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received an email on XX/XX/2020 from American Express stating that after recent review of my AMEX Serve Account, they identified activity that they believe violates the terms of the Serve Consumer User Agreement. Please see attached email and I have included an attachment of User Agreement Section 15 ( d ). 

I have no idea what they are talking about. I called to ask and the supervisor XXXX whom I spoke with said she couldn't tell me anything. That I had to write to the Serve Customer Care. She gave me the address. I asked how am I to get the remaining funds in my account. She said there are pending transactions and after they cleared, AMEX would mail a check to me for the remaining funds. : She couldn't tell me anything else. I specifically asked about the time frame regarding receiving the money in my account and she couldn't give me any idea. My paycheck is direct deposited however, AMEX returned it to my payroll office and they will in turn mail a paper check to me. I live paycheck to paycheck and this whole thing is a shock. I have been banking with American Express for over five years and they have been great. I'm wondering if this has anything to do with a dispute I filed? Although I have done everything they have instructed me to do. When I have called to try and get answers, the recording says that my account has been permanently suspended, good bye. I ; m not kidding!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WV

Complaint narrative:
This is not my debt point blank. Have no knowledge of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
Refund from my purchase in XX/XX/2020 has been returned to PayPal. PayPal is refusing to release the amount only after 180 days to my bank as a wire transfer. 

Dispute Amount : {$150.00} USD Transaction ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Reference is in Response to report on time payments to all 3 Major Credit Bureaus ( XXXX, XXXX, XXXX ). 
Consumer Portfolio Service failed to report Payment Status for XX/XX/2019 - XX/XX/2019. 
This should be reported or showing as paid on time. 
I want to know why they failed to report this to the Credit Bureaus? 
I have proof of all my payments and not limited to just dates of payments. 
With the interest rate they are charging me, failure to report my on time payments over 5 months is not an option that should be allowed. Im highly disappointed with the way Ive been treated and will do what I need to protect my credit rating. 
( RE : XXXX ) Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: NY

Complaint narrative:
THIS COMPLAINANT HAS THE SAME PROBLEM AS HUNDREDS OF OTHERS ON THE XXXX XXXX XXXX WEBSITE. A REVIEW OF HUNDREDS OF XXXX COMPLAINTS REVEALS EQUIFAX FELONIOUSLY FALSIFIES THE ADDRESS OF CONSUMERS WITH SECURITY FREEZES IN ORDER TO FREE EQUIFAX FROM SETTING UP FREE SECURITY FREEZES WHICH COST EQUIFAX A LOT OF MONEY. 
A SECURITY FREEZE FOR AN ADDRESS THAT DOES NOT EXIST IS WORTHLESS. 
STEP2 IS FOR EQUIFAX TO LEAK CONSUMER DATA TO BLACKMAIL CONSUMERS INTO BUYING WORTHLESS EXPENSIVE EQUIFAX CREDIT MONITORING. 

CORRECT MY ADDRESS NOW AND CONFIRM IT IS CORRECT ON PAPER. 
NO TEXT. 

EQUIFAX CONSIDERS THIS WRITER DEAD. THEY SAID THEY CAN NOT FIND ME. 

I WANT SECURITY FREEZE AND I WANT NEW PIN NUMBER NOW AND I WANT IT BY USPS ON PAPER. 

I AM NOT THE SUPER COMPLIANT ROBOT THAT EQUIIFAX, THE TAX CHEAT OF XXXX, WANTS. I DIDNT HIRE EQUIFAX BUT EQUIFAX DOES NOT COMPLY WITH THE LAW. 

EVERY TIME I CORRECT MY ADDRESS FROM INCORRECT XXXX XXXX XXXX TO XXXX XXXX XXXX XXXX FELONIOUS EQUIFAX CHANGES IT BACK. IT IS VINDICTIVE AND DELIBERATE-NOT INCOMPETENT. IT ENABLES EQUIFAX TO EVADE THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: GA

Complaint narrative:
I have disputed an error on my credit report with Transunion three times, and have twice received a response that the information is correct. I signed and canceled a contract with XXXX XXXX ( alarm company ) in XX/XX/XXXX. However, this account was reported as a account that was opened in XX/XX/XXXX in collections. Transunion obviously did not investigate. I do not know anything about this collection agency and want it removed from 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 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: AZ

Complaint narrative:
On the date of XX/XX/2020 I checked my credit score & noticed six Derogatory Marks from a collection agency Associated Credit Services Inc. Upon inquiring on there website I discovered eight open accounts with various amounts {$2200.00} in total. After further inquiring I was able to find out that this was from a medical bill that had already be paid via my attorney 's at the XXXX XXXX XXXX XXXX XXXX XXXX in a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
During the month of XXXX and XXXX, I worked with the XXXX XXXX - one of my banking institutions and Experian to determine why a key factor ( that had never been listed before ) cause my FICO score to drop 46 points. 

Experian uses FICO Score 9, and XXXX XXXX pulls the report quarterly. My 2019 scores with Experian had been XXXX, XXXX, and then a large dip to XXXX. ( of note, my Fico with XXXX  is XXXX ). Since lenders use FICO scores to assess creditworthiness, I explored with XXXX XXXX, initially the reason for the drop since they provide the data to Experian in order to make the report. Then I spoke with Experian about the listing of a key factor. It has not basis since Experian can not provide nor show where there is an installment loan amount that is similar to the original installment loan amount. Since early 2019, my overall debt have been reduced, particularly the mortgage loan which has been paid down substantiality through a number of extra payments. I have two loans : mortgage being paid off early ; and a line of credit that has not been used. There is NO other loan. 

XXXX XXXX said Experian could address the issue. I requested the branch manager reach out to me in a follow call and XXXX  never followed up on the matter ; Experian said they were not responsible for the key factor statement and that I can not dispute a key factor statement. Some data was entered incorrectly somewhere by someone, and neither party is addressing the matter responsibly. 

The key factor that states why my FICO dropped 46 points is enclosed. This statement is not true. 

2. The proportion of loan balances to loan amounts is too high. FICO Scores weigh the balances of mortgage and non-mortgage installment loans ( such as auto or student loans ) against the original loan amounts shown on a person 's credit report. Your score was impacted because your proportion of installment loan balances to the original loan amounts is too high.

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 2020-01-23 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: NC

Complaint narrative:
Reference is in Response to report on time payments to all 3 Major Credit Bureaus ( XXXX, XXXX, Equifax ). 
XXXX XXXX XXXX failed to report Payment Status for XX/XX/2019 - XX/XX/2019. 
This should be reported or showing as paid on time. 
I want to know why they failed to report this to the Credit Bureaus? 
I have proof of all my payments and not limited to just dates of payments. 
With the interest rate they are charging me, failure to report my on time payments over 5 months is not an option that should be allowed. Im highly disappointed with the way Ive been treated and will do what I need to protect my credit rating. 
( RE : Equifax ) Sincerely XXXX XXXX

Company response to consumer: Closed with explanation