vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX  bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I obtained a XXXX loan in XX/XX/2019. Since XXXX I have had almost XXXX deducted from my bank account and the balance is still over XXXX. Each time I call to get an answer regarding the balance and the terms of the loan I'm told its not a set time limit and to pay it off asap. I asked if this company was licensed in Virginia to do business which is my state of residence and was given an answer that didn't make sense.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
I have sent numerous requests to a company called R.S. Clark and Associates that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from XXXX, XXXX and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/19 I paid my XXXX XXXX credit card bill with a XXXX ACH for {$700.00}. My Accountant informed me that I should cancel the ACH because it was a Corporate Account. I cancelled the XXXX ACH and remitted a XXXX ACH on XXXX {$620.00} which was my new Balance. XXXX XXXX XXXX sent both ACHs to XXXX which would only authorize the ACH for {$620.00} because that was the only one authorized by me. XXXX XXXX repeatedly asked me for a letter from XXXX stating I authorized both ACHs. I refused because that was not right or authorized. My Credit limit was {$950.00} and the total of the ACHs was {$1300.00} which was almost double of what I owed. They closed my account which was ok with me and I spoke with many employees of XXXX XXXX and I asked them how to take care of the balance and they informed me to pay as agreed and no problem. XXXX payment was made on time as usual as well as XXXX payment. XX/XX/XXXX XXXX XXXX reported to Experian that I was late and they charged off my account. I have had this card for over 2 years and have never been Late. This is reflected in all my documentation I have to support this. Experian still show a charge off even though I have all the supporting documents proving I have paid as the cardholder agreement and XXXX  XXXX is abusing their power to report a charge off even though I have paid as agreed. Experian has removed the late payments and the past due amount XXXX XXXX was reporting through 2 different open disputes I have filed. This XXXX XXXX Charge off should be removed and shown paid as agreed. This has lowered my credit score over 59 points. I havent contacted the other credit reporting agencies about this injustice but I will. I pride myself on making all my credit card payment as agreed. This is hurting me tremendously. Thank you!

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 2019-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
It is very sad and unfortunate that if you come into a hardship that you have to deal with a company who clearly doesnt care about it. I was laid off and unemployed for almost 5 months. We submitted a request for modification in order to keep our home and lower our mortgage payments due to the unfortunate situation however it has been a nightmare dealing with this company. I received a notification today stating my modification was denied. Why? because we didn't have enough income when we first started the modification, I was on unemployment which is clearly not near enough to raise a family but within the process I gained employment that was a huge pay cut. I submitted paystubs every week in regards to the new job but no one bothered to even check our documentation to see that this information has changed. If the documentation is not going to be checked then why submit it. Now our file has to be resubmitted and possibly take another 30 days, not acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loans are serviced by Navient. I have been paying them off for 3 years and my balance is higher then my initial loan amount. Way more money is being paid toward interest then principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent numerous requests to a company called XXXX. XXXX and XXXX that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from Equifax, XXXX and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent numerous requests to a company called XXXX. XXXX XXXX   XXXX that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from XXXX, Experian and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.

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 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I noticed this charge card on my credit report. It's not mine but clearly it says it's paid every month and on time. I've not so much had a credit card. I didn't incur this for and I'm not able to afford someone else 's

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX BK # XXXX XXXX XXXX # XXXX XXXX # XXXX 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 non-monetary relief
Consumer complaint received 2019-06-29 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: IL

Complaint narrative:
These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXXK # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 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: LEXISNEXIS
State: IL

Complaint narrative:
These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, XXXX XXXX   XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
We both work. We are XXXX. We have XXXX payments to have kids, student loans and mortgage AND never miss a payment. Often over pay. 

We go to pay our mortgage and its only allowed to pay principle if anything less then a full payment. Or told use a credit card. Yet we do not use a credit card. We are ahead on principle. We two times a month on pay day pay on the payment. 

But those are not full payments so its deemed ONLY allowed to pay principle. So we are late and thus in violation. 

A penny less then full mortgage cant go in but only to principle. 

Utter XXXX XXXX here you cant pay as you get paid towards your monthly due. Utter utter insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone stole my information and opened and created negative accounts fraudulently and applied and created all kinds of inquiries in my name ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone stole my information and opened and created negative accounts fraudulently and applied and created all kinds of inquiries in my name ... ..

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 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone stole my information and opened and created negative accounts fraudulently and applied and created all kinds of inquiries in my name ... ..

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 2019-06-29 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: MO

Complaint narrative:
Few years ago my car and home was broken into and my identity was compromised and that lead to unauthorized and unknown accounts on my credit file. The thing with identity theft is that at times it appears to be you but as a victim it has you fighting for your true identity back. It's unfair that the credit reporting agencies report unverified accounts via by electronic Verification inwhich can not be used as proof. The major three credit bureaus are using outdated systems that constantly being hacked. Then the next thing you know your information is public knowledge on the dark web. I'm demanding that this account, ( 1 ) XXXX XXXX be blocked from my credit file immediately. The account is not mines and I'm requesting an detailed Method of the investigation into this matter, or you shall block this account ( XXXX XXXX  ) immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I agreed on a contract to sell a rental property in early XXXX. On XX/XX/XXXX, the title company sent in a request to my mortgagor, Mr. Cooper, to release the lien on the mortgage. 

Mr. Cooper had 2 mortgages on record. The original mortgagor, XXXX XXXX, sold it to Mr. Cooper. 

I refinanced my mortgage with XXXX XXXX about 3 years ago. When I did so, there were errors in the original, signed refinancing documents. Instead of amending those documents, XXXX XXXX drafted new documents for me to sign. 

With the sale of the mortgage to Mr. Cooper, XXXX XXXX provided both signed documents to Mr. Cooper, and it appeared to Mr. Cooper that there were two mortgages on the same property. 

I and the closing title company have been following frequently with Mr. Cooper to get this resolved, but even after 1-1/2 months of following, there is no sign of resolution. Mr. Cooper has been slow to return phone calls or provide status updates, and are asking for re-submission of the same documents multiple times. 

I am at risk of losing the sale of this property, and I have also been paying interest to Mr. Cooper 's benefit over the past couple of months. 

I would like this resolved as soon as possible, and would like reimbursement of my mortgage interest payments over the time Mr. Cooper has dragged their feet in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: TX

Complaint narrative:
I called Netspend on XX/XX/2019 because I received an email about an address change on my account I then called Netspend to found out my account was closed by Risk Management stating too many disputes. So I asked about the disputes.I advised Netspend my last dispute was in XX/XX/2019 they stated there was a dispute filed on XX/XX/XXXX and XXXX via online. When I stated that I have not been able to access my online account since XX/XX/XXXX they stated my account is already closed and there is nothing they can do but send refund check which will take 10 business days to receive. I have XXXX children and my XXXX year old son is XXXX and his SSI was just deposited into the account and due to this error I am unable to purchase his medicine which reduces his traumatic episodes. Netspend has taken away the only funds I have and are making me wait 10 business days to receive a refund check for an issue I did not cause. I requested them to review my account to see every time I have made a dispute it has been valid and I call the moment it happens or as soon as the charge posts to my account. The disputes reported on XX/XX/XXXX and XXXX were charges from XXXX and XXXX. I have already told Netspend I did not create those disputes and I did verify those charges are indeed mine. I raised the question to Netspend why would I wait so long and I have never waited to report a dispute and how was my address changed without my authorization. No answers, only the same robotic response they will send refund check in 10 business days but unfortunately XXXX doesn't wait amd my son needs his medicine NOW. I was promised a callback by higher management 2 times today after having to hold for an hour plus each time to speak with a supervisor and no one has called or reached out to me in any form. We can not wait for my son 's medicine and if anything happens to him because of this Netspend error I am going to explore all avenues of legal actions to take this company down.

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