vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2019 I called Kohls after I received a call from a company called XXXX claiming to represent Kohls. I spoke to the Kohls representative inquiring about account status and was advised that I was 60 days delinquent as of that dayXX/XX/19. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the Kohls representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received Kohls would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for Kohls and this will not report as past due. On XX/XX/2019 I received updates from all bureaus that Kohls reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and Kohls honors what their representative advised me on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 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: CA

Complaint narrative:
Identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
I took out a loan for XXXX on my car title. The interest rate is high and they said they will draft it out but always did it late. They call me days after the payment is due now I have late fees and the XXXX dollars they take is just late fees and interest. Called them and asked why my payoff is still over XXXX dollars. The lady said because of late fees and I told her I have a card on file and the money was suppose to be taken out every month. She told me that they can't do automatic draft. I told her you'll been doing it all the time but just late. I ask to speak to the manager and she said I will have her call you. It is 2 months later have not heard from the manager and every time I call she is not there. I been paying on this load over 6 months and I still owe them more money than I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
On XX/XX/2018 I requested that my repayment plan be changed from an income-based repayment plan to an extended-graduated repayment plan. Despite following all of their instructions for transitioning the repayment plan, it took XXXX three months -- until XX/XX/2018 -- to process the change in payment plan. In the interim, on XX/XX/2018, XXXX charged by account a payment in the amount of a standard repayment plan ( about {$2300.00} ). The change in plan should have been processed by that time, however, and the payment amount should have been the roughly {$600.00} due under the extended-graduated plan.

Over the span of 5 calls and several hours with customer service, I attempted to work out a solution wherein XXXX   would refund my account the difference in payment amounts. During this time I received a multitude of different explanations for why it took so long to process the change in repayment plan, and how it would ( or would not ) be possible to receive a partial or full refund without going into default. XXXX eventually refunded the entirety of the {$2300.00} payment and then marked my account as past due. This was not the result I wanted, and to this date I do not understand why XXXX couldn't have just issued a partial refund consistent with the extended graduated payment plan. They dropped the ball by not switching my plan over in time and by charging me more in the interim. A partial refund would have been an easy remedy for their error, but they repeatedly resisted that remedy. 

Fed up with the whole process, I utilized XXXX XXXX online message center to try to get some information in writing about what was going on with my account. I received no response.

Finally, I decided that it wasn't worth the hassle to continue trying to navigate XXXX XXXX policies, and just paid the full {$2300.00} showing as past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. 

I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but  has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. 

I've never heard of or from Midland Credit Management or XXXX XXXX XXXX. The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. 

I was able to contact XXXX XXXX XXXX for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX  XXXX XXXX to Midland Funding LLC on XX/XX/XXXX. Then from Midland Funding to Midland Credit Management and then to XXXX XXXX XXXX. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. 

The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX. I may never get out of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: PA

Complaint narrative:
I requested all 3 reports in XX/XX/2018. I received XXXX and XXXX reports, but not Equifax. I went to the Equifax website and chatted with someone. They said I should call the service department. I called the service dept. They started by asking reasonable identifying facts ( about 4 ) Then they started asking about my credit cards in force etc. It was clear that they were digging for financial information and not dealing with my request ; so I hung up. 

I only want the 2018 year end report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 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: FL

Complaint narrative:
This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX   ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX  XXXX ACCOUNT # 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 2019-02-07 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: FL

Complaint narrative:
This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX USA ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In XX/XX/2018 I completed the application for Public Service Loan Forgiveness ( PSFL ). I completed more than 10 years of employment with a qualifying nonprofit and made the required 120 payments. During the 10 years I reached out to my loan servicer ( Navient - Sallie Mae ) to make sure my loans were the right kind of loans and were eligible for PSLF. Each time I was told yes and given assurances that as soon as I completed 10 years, the loans would be forgiven because they were Federal Loans.

My application for PSLF was declined because my loans are in the wrong classification. Navient apologized for giving me incorrect information 4 different times and said I could consolidate my loans again and restart the process of 10 years of employment with a nonprofit and 120 more qualifying payments. 

Navient knowingly committed fraud, and said they are unwilling to correctly classify the loans because that would be considered admitting fault which could make them liable for the loan balance. The have decided instead to call me every day with excuses. This is unacceptable. I understand why the Attorneys General for so many  States are suing Navient for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: LA

Complaint narrative:
On XX/XX/2019 XXXX XXXX called my phone 5 times in less than 1 minute. 
1. XX/XX/XXXX, XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX 3. XX/XX/XXXX, XXXX XXXX 4. XX/XX/XXXX, XXXX XXXX 5. XX/XX/XXXX, XXXX XXXX Then they start calling my husband phone. 
Before that day the calls was not as frequent, but sometimes XXXX times a day. 
The lady stated they sent out a letter without a letterhead, and as I explained to her who opens mail without a letterhead. She stated that's so no one would know I was in collections. I stated the XXXX   sends out mailing all the time with letterheads that's why I called the Department of Treasury to confirm it was true. That is a bad practice if you are truly collecting on a debt that was 90 days past due from XXXX send proper documentations. Not only are you put in collections, but the amount is {$6000.00} more than I owe. They said the Department of Treasury said they can charge me 30 % of my balance owed. So not only are you charging me {$6000.00} more than my balance, but when I call to discuss this matter with you the company can not tell me where the extra {$500.00} is because there 30 % fee is the {$6.00}, XXXX I make {$600.00} ( {$180.00} more than the original amount ) a month payments to pay.gov not the collection agency but I'm still being charged {$6.00}, XXXX ( collection agency fee ) for XXXX disaster loan. You want to pay your debt owed not 30 % of what you borrowed. You can't get loans because XXXX and Department of Treasury have put it in the credit bureau as collections. So now debt to credit ratio to high to borrow the money to pay them off. I just pray and move on but the constant phone calls have to STOP!, Because I'm making payments monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
on my credit report southwest credit systems ls is saying i owe XXXX XXXX and XXXX is charging me early termination fees and i gave all the eqiupmentand the security cameras a early termation fee too. i canceled XXXX they were over charging me and im shouldnt have to pay this kind of money that i dont have and it has been 3 yrs and its not fair i would like them to remove from my credit report i cant get any type of credit or anything and uit has been yrs.it was last reported XX/XX/XXXX and they have it on my credit report is XX/XX/XXXX. i called them 2 times and they are very nasty with me so i won't deal with that company so i asking u for help im tired of fighting with this company because they are nasty and i even went to XXXX  and got no where with them please see what can be done i would like it closed and removed it is not an open account southwest systems just want money and they never in years contacted me ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
After reporting this continual unfair, deceptive and abusive behavior from Shellpoint, Shellpoint just responded to CFPB, and not me personally by mail, a letter dated XX/XX/XXXX ( ATTACHED ) with my requested information on how they determined I didn't qualify for a modification. As you can see yourself by the response letter given there are many errors I will disclose that Shellpoint purposely " added '' themselves that is NOT accurate in order to disqualify me illegally.

In Shellpoints evaluation they have included 3 properties I no longer own as the bank foreclosed on them AND several modified loans they have the payments plus PITI that I pay with the amounts incorrect-much higher of course!. Therefore, I am formally Appealing this rejection of modification due to the fact that Shellpoint decided on their own to include invalid information even though this was disclosed to them when I submitted my documents for review. 
I am Appealing their decision and asking again for them to cancel the XX/XX/XXXX sale date so that Shellpoint can do a proper review using factual numbers instead of them making it up. ISNT'T THAT A DUAL TRACKING VIOLATION? This is just one issue as Shellpoint continues to hold sale dates over my head WHILE IN REVIEW and for that matter during the entire modification process and Appeal period and refuse to give me the 30 days needed to respond, as I haven't even formally received anything back from Shellpoint on any of my disputes, or Appeals! 
Also, just to allow the CFPB knowledge of how Shellpoint and XXXX XXXX XXXX operate, I called in every day to see where I stood with the Appeal I sent in ( that Shellpoint " lost '' for weeks then " found '' once I pushed and spoke with a supervisor who would actually LOOK for it and update my file ) along with the many disputes and Qualified Written Request to which Shellpoint COULD NOT AND HAS NOT GIVEN ME A FULL ANSWER WITH LEGALLY, RECORDED DOCUMENTS THAT PROVE VALID STANDING. 
Also, no one at either company would tell me if my XX/XX/XXXX sale date was cancelled. I was left on my own to find out online at XXXX on XX/XX/XXXX hours after the purported XXXX sale time, that the sale date had been postponed until XX/XX/XXXX .... yet neither company would offer this information to me PRIOR to the XXXX XX/XX/XXXX sale date. I would think that the CFPB would call this DUAL TRACKING and uphold their own laws for the homeowners. I definitely consider this unfair, deceptive and abusive acts and practices, especially on a senior citizen as myself, XXXX years old in XXXX! They are targeting me unfairly and I am asking for the CFPB to protect me against these predators claiming to own my loan, provide me with answers to my requests and abide by the laws respectively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
PayPal credit will not stop calling. I received anywhere between 5-10 calls a day, even as late as XXXX and on weekends. Just yesterday, XX/XX/XXXX I received four phone calls at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time I answered and asked for them to stop calling my number.

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 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Accounts, Inc.
State: MN

Complaint narrative:
Was never sent a letter in the mail, a phone call, was never notified of this debt that is allegedly owed. I found it on my credit report and called the company to discuss the account and my options for payment. I was never given the mini miranda on first contact with them. I also have never sent a letter regarding the debt. I also told the rep that the services for the debt were not rendered but instead a part of a contract I had signed for daycare services. I requested a settlement for this fact. The rep instead told me one would not be eligible because I told her was a contract. She then said she actually wasnt even handling the account but that someone named XXXX was and that XXXX would be filing litigation but she wasnt sure. The rep was very rude and her tone was not one of someone who would like to provide a consumer with customer service anyone deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: GA

Complaint narrative:
On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on XX/XX/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 2019-02-07 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: GA

Complaint narrative:
On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on XX/XX/XXXX.

Company response to consumer: Closed with explanation