vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: 3rd Generation, Inc.
State: TX

Complaint narrative:
They call everyday with harassing threats and are very combative after making an agreement with them to make a payment on a certain day, due to hardships the payments are late. But I make agreements with them on a Monday to make the payment on Friday and get calls everyday till the day arrives. They are rude and hang up if you tell them about the agreement that was made. Then make threats of repossession. This is the worst customer service ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
TO WHOM IT MAY CONCERN ; THIS LETTER IS A FORMAL COMPLAINT THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION. 

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF ORIGINALLY SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 


DUE TO THE COVID-19 THE CREDITOR STATES ON THEIR WEBSITE THAT XXXX XXXX IS OFFERING PAYMENT PLANS PUTTING PAYMENTS ON THE BACKEND OF THE TERM LOAN UNTIL THE COVID PERMITS NON ESSENTIAL WORKERS TO RESUME WORKING I HAVE DOCUMENTATION & TO PROVE SO RESPECTFULLY, 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 2020-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Hi, I refinanced a loan I had with Loancare a Service Link company of XXXX XXXX, VA. and went to a different company when I refinanced the loan on XX/XX/XXXX. 

I requested on XX/XX/XXXX a refund of my loan XXXX as Loancare was paid on XX/XX/XXXX. This was not enough time for the autodraft with XXXX   XXXX XXXX to stop the autodraft. I called Loancare on XX/XX/XXXX requesting a refund. I was informed to reach out to their research dept. I was given a reference # XXXX. In my initial letter I took a screen shot of the amount taken from my account. I was informed by XXXX on XX/XX/XXXX that it would take 7 to 10 business days to receive the overpayment/refund. On XXXX I contacted Loan care. I spoke to XXXX. XXXX informed me she would expedite the case on XX/XX/XXXX today I reached out again to check the status of the refund, I was informed by the supervisor, XXXX in XXXX, the refund is being delayed because I did not have the tracing number. The screen shot was not sufficient. This has caused a significant delay. I was only told the tracing number would be needed today. Not previously. I explained that I am not working. I asked XXXX if any other information would be needed to receive my refund and was told the tracing and loan number. I informed the supervisor I would be filing a formal complaint as I should have been told this from the beginning. She did apologize.. None the less I will need to wait several weeks more to get the refund back and the loan was paid off on XX/XX/XXXX. I would be appreciative if you could assist in expediting my refund. 

Thank you Very truly yours, XXXX XXXX XXXX XXXX number with XXXX is XXXX My Bank XXXX  XXXX XXXX XXXX XXXX XXXX XXXX of checking XXXX ACH transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I posted my timeshare week of XX/XX/20 - XX/XX/20 on XXXX for my XXXX XXXX XXXX XXXX XXXX for {$2300.00}, and specified " no refund for cancellation ''. On XX/XX/20 I rented to XXXX XXXX and she used Paypal to pay for rent at {$1900.00}, Around 1 week before check-in day ( XX/XX/20 ), she wanted to cancel the vacation and asked refund of {$1900.00}, I told her that there is no refund, because XXXX didn't close the resort, and I didn't stop her taking the vacation, according to Federal law, if she cancelled it, then she can not get the refund even it's beause of COVID19, According to Paypal that she filed an " unauthorized transaction '' with her bank ( or credit card ), so Paypal put an - {$1900.00} on my Paypal account without hearing my side of the story. I tried every way possible with Paypal ( online chat, message, emails, ... ) to resolve this matter to no avil, The money matter is between Paypal and my renter XXXX XXXX 's bank which I have no idea who that is, and I can't talk to her bank. So I desperately need your help to solve this problem, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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:
In XX/XX/2019 we came to an agreement with XXXX that the XXXX XXXX would be removed and all Obligations for the Solar Leases would be terminated due to improper installation of the solar panels and promises to repair the leaking roofs. XXXX  XXXX XXXX  were removed by XX/XX/2019, as per the agreement. We are still receiving monthly bills for the terminated leases and they are being reported to the credit agencies as being late paid, including what they are calling current amounts that would have been due if the contracts were in place even though all of the contracts have been terminated. XXXX has filed the releasing of the UCC filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
On XX/XX/2020 at approximately XXXX XXXX, I contacted Grant & Weber, a collection agency located at XXXX XXXX XXXX. XXXX XXXX in XXXX, CA XXXX, regarding two accounts on my credit report that do not belong there. Both accounts are for two medical facilities. I was fully insured when I visited these facilities and my insurance was billed in full, however the facilities participated in a practice known as double billing where they sent me and my insurance a bill in order to collect a double payment. I notified Grant & Weber of this and was told that they would not remove the accounts. The representative I spoke to refused to give me his name and he interrupted me and became irate. I was then told to call back when you decide you want to listen, and hung up on. I called back and asked the operator if it was common practice to treat customers like this to which I was given no response but was transferred directly to an unknown voicemail. The accounts that are in dispute is an account for XXXX XXXX XXXX XXXX in the amount of {$190.00} and XXXX XXXX XXXX XXXX in the amount of {$550.00}. I have disputed these accounts through XXXX and XXXX with no resolution.

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 2020-04-17 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security number had already been filed. Please remove these unknown accounts from my reports as soon as possible. 

BANKRUPTCY XXXX {$0.00}

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 2020-04-17 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security number had already been filed. Please remove these unknown accounts from my reports as soon as possible. 

BANKRUPTCY XXXX {$0.00}

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 2020-04-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I stopped paying XXXX student loans because i couldnt afford it. For 5 years I tried working with XXXX  and attempt to lower payments. I was living paycheck to paycheck and only paying down interest. Student loans are a scam. I stopped paying because they refused to lower my monthly payments. I ignored their phone calls and contacted an attorney. Now Im getting letters that it was sold to a debt collector and i was never notified. In addition, I have never received any communication from Credit Control, the debt collection company, to make arrangements or figure something out. Now they reported it to the credit bureaus and my credit score dropped 30 points because of it. This is just XXXX. I want my credit restored.

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 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019, I sent a check to XXXX XXXX XXXX in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
XXXX has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by XXXX XXXX cashing the check for the full balance.

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 2020-04-17 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: FL

Complaint narrative:
On XX/XX/2019, I sent a check to XXXX XXXX XXXX in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
XXXX has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by XXXX XXXX cashing the check for the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I sent a check to XXXX XXXX XXXX in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
XXXX has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by XXXX XXXX cashing the check for the full balance.

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 2020-04-17 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: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
I was a victim of identity theft and had an auto lease opened under my name on XX/XX/XXXX. I also had 6 fraudulent credit cards opened under my name since XXXX. The suspect is my mother, who I no longer have contact with. All disputes were started in XX/XX/XXXX and all the credit card companies investigated and deleted the information under my name. However, BMW Financial Services refuses to delete the fraudulent information. I have provided more than enough documentation, police report included. They advised that I have to prove to them that it was opened fraudulently. This is wrong in every matter. The burden of proof lies on them, not me. I'm claiming identity theft so how can I furnish proof that I wasn't there to sign the auto lease 4 years ago? They told me they contacted the dealership to see if anyone can " remember '' who signed the paperwork 4 years ago. When I asked what would happen if they don't remember, they told me then there is nothing they could do. BMW Financial Services have been the most difficult company and don't care about ID Theft victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS TWO LATE PAYMENTS ON MY XXXX XXXX  AUTO LOAN ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-04-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NJ

Complaint narrative:
I received a letter for Rausch Sturm Attorneys at Law, located in XXXX Wisconsin. They were notifying me of a debt owed to XXXX student loans. I am disputing the amount and want to request more information but they have not returned any of my phone calls/voicemails. I did some research on the company and they have been a part of several lawsuits for deceptive practices and trying to revive old debts. Clearly they are a shady company and this is ridiculous they are allowed to handle this. I can not afford the debt amount and will need to work with someone to make an arrangement that works for me, however they refuse to answer me and they are doing it on purpose so the 30 days runs out. They write this is an attempt to amicably resolve the debt but its not because they are not responsive. These companies are snakes and look to hurt people. I want this removed as a debt and this better not make it to 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 2020-04-17 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
My ex-wife 's late mortgage information ( 12+ months past due ) has been incorrectly put on my credit report! 
We refinanced a home through XXXX XXXX, then we divorced and I filed bankruptcy. In the documents I will attach, it clearly shows that this mortgage amount was discharged by the bankruptcy, and this is also in the divorce decree On the bankruptcy petition - see page 20, XXXX XXXX mortgage for {$68000.00} was included in the bankruptcy filing On the divorce decree - see page 17, Exhibit 1, under division of property On the attached credit report shows that this negative information has been put on the XXXX and EXXXX credit bureaus, but looks like not on XXXX. 

I have had a XXXX Ohio company, XXXX XXXX XXXX, send official documentation to XXXX XXXX ( actually now Bayview Bank, who, when I called them took over the mortgage when it got many months past due. ) XXXX  contacted Bayview approximately XX/XX/2020. Still no response from Bayview to date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
Myself and spouse visited XXXX XXXX XXXX XXXX, RI ( now XXXX XXXX  XXXX, RI ) on XX/XX/XXXX. A colleague at work referred me and I did not think of checking with my insurance since we work with the same company ( my mistake ). However, on getting to the dental clinic, I specifically asked if they were in my insurance network, provided them with my dental insurance card and they guaranteed they are. Well, few weeks later, I received a bill from my insurance & from the dental office stating our ( myself and spouse ) cleaning was not covered because the doctor was not in the network. 

I went to the dental clinic and they refused to cut down the bill but agreed to set up payment plan at the time, I could only afford {$5.00} a month which they agreed to. I have since then been paying city dental on the amount we agreed to. My total bill was {$610.00}, I have paid {$430.00}. now they are claiming I owe {$1300.00} because they've been charging me {$8.00} late fee. This was never communicated with me. They later sold the account to a collection agency called Capital Accounts who placed it on my credit report, called them in XXXX to fix and the company was very abusive and called me names. I later called XXXX in XXXX and XXXX took it off my credit history. 

This year XXXX, capital account reported again to XXXX, I contacted XXXX gave them payment history ( uploaded documents, supporting documents ) and they refused to take it off my credit. 

All through this time, I have called XXXX XXXX, they claimed they do not have any debt detail/medical record on me, they claimed they have no record of my payment at all while someone has been cashing my check ( called my bank and confirmed with my bank that all checks are cashed under the name of XXXX XXXX ). called capital account who refused to give me original bill and refused to settle. The {$610.00} bill was later located by my insurance. I have emailed capital account with all payment details and bill, informed them that I am willing to pay the balance of {$180.00} but I do not owe them {$1300.00} and they need to take it off my credit report. 
I have never had anything on collection, especially medical bill, I always pay medical bill but this particular company lied to me when I specifically asked them ( learned never to believe companies, now I check with my insurance company 1st ), they have been cashing my checks, have me in collections and now claim I owe them {$1300.00} from initial bill of {$610.00}. 

Please help me, save me from a deceptive company XXXX XXXX formerly known as XXXX XXXX XXXX RI. They are preying on the weak and poor, want to ruin my credit after working hard to build it and XXXX that tossed out payment history docs for companies like capital accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
REMOVE FRAUD ALERT OFF EXPERIAN

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