vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I got an loan from cash net USA in XX/XX/2019 for {$530.00}. After calling the company about how long it would take to pay off the loan they could not give me a definite answer. Also I noticed that every month my payment would be more than the last payment. Even though I am a senior citizen and have a XXXX  XXXX it strikes me that cash net USA is practicing in good faith. I can not pay for this bill that seems to follow me to my grave! I'm not sure what to do at this point. Please help me with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CA

Complaint narrative:
I have tried NUMEROUS TIMES to get my PAYMENT HISTORY corrected with They continue to go in and make changes that make matters WORST! They are NOT being legal, honest or FAIR! 

I am asking that you hold them accountable and make them take those late payments OFF! I have NOT been late on my payments and their continual ERRORS and MISREPORTING make me further confirm that THIS INFORMATION IS NOT CORRECT! 

I WANT THESE PAYMENTS DELETED FROM MY ACCOUNT. I WANT THE ENTIRE ACCOUNTS DELETED AS THEY ARE NOT REPORTING CORRECTLY BY LAW AND THEY DO NOT REFLECT ME AND MY CREDIT HISTORY. 


I HAVE ATTACHED DOCUMENTATION THAT SUPPORTS THE ERRORS THAT ARE BEING MADE ON MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried NUMEROUS TIMES to get my PAYMENT HISTORY corrected with They continue to go in and make changes that make matters WORST! They are NOT being legal, honest or FAIR! 

I am asking that you hold them accountable and make them take those late payments OFF! I have NOT been late on my payments and their continual ERRORS and MISREPORTING make me further confirm that THIS INFORMATION IS NOT CORRECT! 

I WANT THESE PAYMENTS DELETED FROM MY ACCOUNT. I WANT THE ENTIRE ACCOUNTS DELETED AS THEY ARE NOT REPORTING CORRECTLY BY LAW AND THEY DO NOT REFLECT ME AND MY CREDIT HISTORY. 


I HAVE ATTACHED DOCUMENTATION THAT SUPPORTS THE ERRORS THAT ARE BEING MADE ON MY 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 explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We are homeowners whom have experienced financial hardship caused by health illness and want to retain our home. The servicer claims we do not qualify for a loan modification due to a payment increase followed by a prior loan modification during XXXX. The existing loan modification the servicer is referring to has no value on its face pursuant to Florida Statute 687.0304 ( 2 ) for the following reasons : 1. Pursuant to Florida statute 687.0304 ( 2 ), a loan modification is not an agreement if is not signed by both, borrower and lender. The agreement reflects that it was not signed by the lender at all and therefore we never had an agreement.

2. The loan modification has no enforcement in the state of Florida for the following reason : The loan amount increased due to the loan mod and the lender failed to pay the requisite taxes rendered the note and mortgage unenforceable, making the instruments unenforceable when the final judgment was entered, Florida Statute 201.08 ( 1 ) ( b ) and 199.282 ( 4 ), respectively imposes a documentary stamp tax and intangible tax. Fla. stat 201.08 ( 1 ) ( b ). Fla. Stat. 2018 199.282 ( 4 ). Fla. Stat. 201.08 ( 1 ) ( b ), " The mortgage, trust deed, or other instrument shallowing not be enforceable in any court of this state as to any such advance unless and until the tax due thereon upon. 
The lender never paid the intangible tax as it is required by the State of Florida and therefore the note does not have any enforceability. 

It is obvious that we never had an agreement. We are requesting mortgage assistance, the lenders excuse in that loan mod can not be offer due to prior loan mod that would make the loan payment increase is not acceptable, the document it self revelas that we never had an agreement. On XX/XX/XXXX, we provided the servicer a full complete financial package to be review for a loan mod and are awaiting for the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: ID

Complaint narrative:
Jefferson Capital One, keeps sending me a XXXX XXXX a {$590.00} collection that is not mine it belongs to a former employer XXXX XXXX. I disputed it, and they keep sending me his bill!! 
Please contact XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED ARE CLOSED ACCOUNTS THAT HAS BEEN SETTLED. THOSE ACCOUNTS ARE STILL REPORTING DEROGATORY ON MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT. THE ACCOUNTS HAS BEEN HARMING MY CREDIT TREMENDOUSLY AND HAS BEEN REPORTING DELINQUENTS WHEN IT SHOULD NOT HAVE. THOSE DELINQUENT MARKS DOES NOT REFLECT TRANSACTIONS MADE ON THOSE 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 2019-12-03 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: CA

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX  student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC
State: CO

Complaint narrative:
I received a call from Affiliate Asset Solutions XX/XX/XXXX. I was told that I had an outstanding medical bill that was for my Son when he was a minor. I contacted Affiliate last month and made a payment of {$25.00} on XX/XX/XXXX. At that time I also setup a payment arrangement to be processed on the XXXX of each month for the next 6 months. Affiliate contacted me on XX/XX/XXXX and had no record of the payment plan and were harassing me for payment. The representative on the phone even went as far as to say " That's fine Mr. ..., don't pay your bills. '' The representative I spoke with indicated that it was not possible that I was on a payment plan and that the account had only been in their office since yesterday. When I tried to confirm the account number the agent hung up on me. I called back and requested to speak with a supervisor. I was put on hold and the line picked up and I heard a male yelling " Because I want to know '', the line was then muted and after about 30 seconds I was hung up on again. Attached is proof of payment from my HSA and a copy of the letter dated XX/XX/XXXX that confirms the payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I sent initial dispute through CFPB and I got a respond of validation shown me screenshots of a billing statement. Southwest Credit says that XXXX says the debt is valid. Okay so I am asking for you to provide me with the contract that bears my signature with XXXX If you are unable to provide that I am asking that you respectfully delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.

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 2019-12-03 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:
XXXX  ; Experian and XXXX  are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX  student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.

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 2019-12-03 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: NY

Complaint narrative:
I contacted XXXX at XXXX XXXX  XXXX, XXXX DE XXXX in ref to account ending in XXXX to resolve an error of late payment that was reported to credit bureau as well as intentional misinformation by their customer service which is documented in my initial letter ( and in XXXX system, phone call is recorded ). The nature of error is that the credit card account number had changed associated with incorrect contact information. There was inappropriate minimal charge from a recurrent charge from previous card account number that should not have carried over and I was not notified of said balance and only learned of this by looking at my credit report. I contacted customer service in which their floor supervisor agreed with the nature of above explanation as to how mistake occurred clearly informed me that XXXX does not have the ability to correct this mistake which is false to facts. I then proceeded to contact XXXX  directly ( I addressed one letter to the president of bank ( which was given to me by supervisor spoke with exactly ) which was returned to sender however opened ) and they disrespected my concerns ( they did not do any investigation or reported of such - in their responding correspondence as attached ) blatantly and proceeded to close my account without notice. This behavior I suspect is quite unethical and possibly illegal. I would wish to be able to resolve this and remove their injurious effects to my credit standing. 

This level of injustice is not acceptable and I am willing to expend effort to contact editors at XXXX, XXXX, XXXX to report this unethical business conduct so that other consumer may be aware.

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 2019-12-03 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED ARE CLOSED ACCOUNTS THAT HAS BEEN SETTLED. THOSE ACCOUNTS ARE STILL REPORTING DEROGATORY ON MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT. THE ACCOUNTS HAS BEEN HARMING MY CREDIT TREMENDOUSLY AND HAS BEEN REPORTING DELINQUENTS WHEN IT SHOULD NOT HAVE. THOSE DELINQUENT MARKS DOES NOT REFLECT TRANSACTIONS MADE ON THOSE 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 explanation
Consumer complaint received 2019-12-03 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:
THE ACCOUNTS DISPUTED ARE CLOSED ACCOUNTS THAT HAS BEEN SETTLED. THOSE ACCOUNTS ARE STILL REPORTING DEROGATORY ON MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT. THE ACCOUNTS HAS BEEN HARMING MY CREDIT TREMENDOUSLY AND HAS BEEN REPORTING DELINQUENTS WHEN IT SHOULD NOT HAVE. THOSE DELINQUENT MARKS DOES NOT REFLECT TRANSACTIONS MADE ON THOSE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
This company has been practice law send 2009 scam, people out their money by collect for another company on old debt and he is not License, to practice in Texas. This Law firm has 43- Complaints on different consumers all over different states, and they have tried to work with them with a settlement with written statements which they refuse to do. How they are scam, people take their bank information and make payment arrangements, verbal with no original contract, and filed Lawsuit in different states and not been License in these states. And also when the consumer makes payment arrangement, Verbal over the phone with collector, 90 days of payment arrangement and sell their debt to another company to start over-collect money with no contract with another Law firm company. This is illegal and fraud and scam people all over the states. This company needs to be investigation need to take place with this company Rausch , Sturm , Israel , Enerson & Hornik LLP! 

Please start looking at all the complaints this Law firm has with XXXX  which is 43 complaints scam people out their money and file fraud lawsuit! Sell old debt, another Law firm!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is a follow-up to recently closed complaint no. XXXX. It is completely unacceptable that Bank of America has determined that my teenage daughter 's account should not be refunded the fees the bank charged her account. The bank ran an investigation and found that my daughter 's account had fraudulent activity on it. Accordingly, they refunded two fraudulent charges, as well as the fees associated with those two charges. As courtesy, they also refunded several other charges. However, it makes no sense that won't refund ALL the fees the bank assessed to the account, each time additional fraudulent charges were attempted to be put through the account. Mind you, the bank did not pay out these fraudulent charges, however, each time the fraud was attempted, the bank charged my daughter 's account {$35.00}. This happened over 20 times to the tune of over {$800.00}. The bank absolutely must refund these charges. It's not right they can just take money like that when they should be protecting us from such activity. Please re-open your investigation and help me! 
Regards, 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 2019-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I have private loans from Navient. I am currently 9 months  XXXX  about to go on leave from my job as a XXXX  in a XXXX  and will be getting a small income from XXXX until I do find child care for my baby. They are unable to help me with any type of financial hardship. Both cosigners are older and only making enough social security to support themselves. They wont help me with any type of payment unless I make payments of {$510.00} each month which is INTEREST ONLY! I can barley pay my bills to live right now and they will be sending me to collections if I don't pay this month. I just don't make this type of money and it is impossible for me to make this type of payment just for a private student loan. 

I need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX about XXXX i was supposed to quickpay through chase my ex girlfriend some money for rent under the agreement that she pay me back. I send the XXXX dollars only to realize i sent it to the wrong number. I call chase they say i was scammed and they can not help. I contact the person who received my money and they inform me they will send it back. They then lie and say they sent it to the wrong number and then proceed to block my phone number from contacting them. I just want my money back this isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I have been getting threatening calls from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding an auto account that was discharged in a chapter XXXX bankruptcy on XX/XX/XXXX. I was told that they will be garnishing my check and it does not matter that the car was included and discharged in the bankruptcy. The amount I was told that I now owe is $ XXXXdollars. On Tuesday, XX/XX/XXXX I called the original creditors Santander consumer auto finance. I spoke with a manager and was told that the account was not sold and I should not make any payment arrangements with XXXX XXXX XXXX. 

I continue to get several calls a day from XXXX  and I was told my wages will begin being garnished on XX/XX/XXXX. I DO have a copy of my bankruptcy from the court and I have told XXXX  that I could send them a copy and they have refused. I have been hung up on and threatened that if I do not make payment arrangement they will file a civil complaint against me and sue me for the auto loan. 

I was told by XXXX  that I am being pursued by XXXX XXXX but when I called XXXX I was told to call Santander because Santander handles all of XXXX auto loans, which I had already done. On XX/XX/XXXX I called Santander again at XXXX and I was told again that this account is not in litigation. 

On XX/XX/XXXX I also spoke with an agent from XXXX  and was also explained the file is in litigation. They keep calling Help please

Company response to consumer: Closed with explanation