vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: WI

Complaint narrative:
Is there anybody in Wisconsin or Michigan that can assist me with this? Is Big Picture Loans even licensed and/or allowed to conduct payday loans in Wisconsin? How can they get away with this? On XX/XX/XXXX I filed a Wisconsin Chapter XXXX Debt Amortization and included this account in the action for {$1100.00}. They counter claimed that I owe them {$1300.00} I am trying to adjust the amount to what I feel would have been owed on XX/XX/XXXX when I tried my best to pay the loan off in full and they refused to accept it - XX/XX/XXXX {$1000.00} BALANCE Or maybe remove them from the Chapter XXXX filing altogether is there anybody that can assist w/ this to provide guidance? Thank you, XXXX XXXX XXXX XXXX SUMMARY XX/XX/XXXX {$2200.00} deposited to my bank XX/XX/XXXX {$1500.00} electronically paid on account XX/XX/XXXX my email inquiry on options to repay balance ( recd NO REPLY ) XX/XX/XXXX my email inquiry request for payoff amount for XX/XX/XXXX ( recd NO REPLY ) XX/XX/XXXX my email request payoff amount ( recd NO REPLY ) XX/XX/XXXX my email request for BPL to please respond to my multiple requests ( recd NO REPLY ) XX/XX/XXXX my email request for a response and payoff w/ breakdown ( recd NO REPLY ) XX/XX/XXXX my email request offered {$1000.00} to payoff in full ( recd NO REPLY ) XX/XX/XXXX my email request copy of loan papers ( recd NO REPLY ) XX/XX/XXXX my email request to cancel request of loan papers ( recd NO REPLY ) XX/XX/XXXX me phoned in to support, spoke w/ XXXX who promised they would phone me back ( NEVER RECD CALL BACK ) XX/XX/XXXX my email sent requesting phone call back as never recd ( recd NO REPLY ) XX/XX/XXXX my email below to which I recd NO REPLY CC : Consumer Product Safety Commission by way of webform Consumer Protection Financial Bureau by way of webform

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX I entered in a loan agreement with Santander Consumer USA for a vehicle purchase loan. At the time of the loan I made a {$1500.00} down payment which was not applied to the loan. The dealerships explanation for this was that they have a ongoing partnership with Santander, and they will accept any altered financial documents to get a loan approved with no questions asked. They stated I wouldn't be able to get the car I wanted without some " magic '' on the backend. I really didn't understand what they meant, but I was glad to get the car I wanted. 

I made regular payments on my loan consistentley for the entirety of the loan with a few missed payments near the end of the loan due to a financial hardship. When I spoke with a representative in XX/XX/XXXX before the hardship arose, and nearing my loan maturity date, the representative on their recorded line stated that my last payment would be in XX/XX/XXXX and I would receive my title. 

After a few missed payments, I was informed in XX/XX/XXXX that I owed XXXX on the loan due to " interest '' and " late fees '' that are accumulating at {$3.00} per day. The rep told me I would need to modify the loan for an additional 24 months to pay the balance off. I asked for payment records since the loan was financed, and reviewed my credit report in regards to payment history, and there is no way I can come up with a balance due in excess of over {$5000.00} dollars. This compay is a predatory sub-prime lender preying on people with less than perfect credit. Their fees and overcharges are very shady and resembles the practices of a loan shark with a business license. Also, there is XXXX transparency in regards to fees and interest, and I have yet to receive a clear explanation in regards to why my loan balance ballooned in 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I canceled my XXXX  insurance and switched to XXXX XXXX. XXXX sent me to collections for unpaid bill in the amount of {$150.00} despite numerous attempts to resolve this. 
XXXX continued to bill me despite proof of cancellation that I am attaching and sent me to collections. This is extortion. 

Here is a rundown of dates : XXXX - XXXX  XXXX insurance is effective and payment made ( proof attached ) XXXX Called XXXX to cancel my auto insurance and they said I would have to send in proof of cancelation. They said I would not be charged a bill for XX/XX/XXXX as long as I had proof of insurance before this which I did with XXXX XXXX ( XXXX ) XX/XX/XXXX - Sent in signed cancelation endorsement form to XXXX ( proof attached ). 
XX/XX/XXXX - Emailed XXXX to confirm cancelation ( proof attached ) XX/XX/XXXX - XXXX requesting they needed proof of replacement policy ( proof attached ) XXXX Sent in the signed endorsement to cancel XXXX . Called XXXX  XXXX agent and she said she will be calling XXXX with proof of new insurance ( proof attached ) XXXX XXXX said they never received my signed endorsement or the copy of new replacement policy. I emailed back that I had emailed the signed document on XX/XX/XXXX and my XXXX XXXX agent had confirmed my new policy with them. 
XX/XX/XXXX - Continued to get a bill from XXXX for {$460.00} despite cancelation ( proof attached ) XX/XX/XXXX - Continued to get a bill from XXXX for {$150.00} ( proof attached ) XXXX -Spoke to XXXX at XXXX customer service because I was still getting a bill. This was matter was resolved ( Proof of call attached ) XX/XX/XXXX - Received a collections notice in the amount of {$150.00} and this was also reported on my credit. Called and had collections removed from my bill. I'm not sure if I paid this because I was so sick and tired of dealing with XXXX or just sent in the documentation but the matter was thought to be resolved and was removed from my report within 30 days ( proof attached ) XX/XX/XXXX - had not heard anything from XXXX or collections in 2 years and out of the blue, I get a collections notice for the same XXXX account! ( proof attached )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: SC

Complaint narrative:
I have necessary paperwork to all three bureaus to get some accounts removed that were not mine and Equifax has failed to respond to my request and failed to remove the accounts from my credit file. XXXX  an XXXX have removed all of the inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: IL

Complaint narrative:
I was recently denied for a car loan as information supplied by Experian ( on behalf of XXXX ) makes it appear that my debt to income ratio is problematic. This is due to erroneous monthly payment amounts being reported totaling over {$700.00}, notwithstanding the fact that I am currently on an Income Driven Repayment Plan with a monthly payment of {$0.00}. I have been on this plan for years, and will continue to remain on this plan so long as I recertify yearly, which I have always done. This issue only appears in error on my Experian report ; my XXXX  and XXXX reports both list my monthly payment correctly at {$0.00}. 

In speaking with these companies, Experian blamed XXXX for providing inaccurate information, while XXXX blamed Experian for " interpreting the information they provide incorrectly. '' The bottom line is that SOMEONE is responsible for this inaccurate information, and responsibility can not simply continue to be shifted back and forth. The information needs to be fixed. Period.

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 2019-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: KY

Complaint narrative:
Became behind in payments, had to utilize XXXX XXXX for Payment. 
A bank check was sent from my bill pay and was not accepted, but returned to me. 
XXXX XXXX Payments as follows : XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$520.00} XXXX XX/XX/XXXX {$520.00} Prior to submitting any further payments, called the Mortgage company to ensure they would accept payment amounts. The answer was yes. I paid the following : XXXX XXXX {$1100.00}. The total amount was still sitting at XXXX XXXX. XXXX XX/XX/XXXX spoke with XXXX who stated that their accounts department would be open 8a-5p she would call me back. Never called. XXXX XXXX XXXX with XXXX. She did not call back. XXXX XX/XX/XXXX spoke with XXXX. XXXX called me back and said if I do not hear from him he could not get in touch with anyone. I talked to my case manager XXXX XXXX my case manager who said the funds were with XXXX because the account number was not on the transmission receipt. I called again on XXXX XX/XX/XXXX spoke with XXXX XXXX and asked if I should just get the funds and resubmit with the account number. She said yes. I also asked if they would still accept the funds. She said yes. I checked today they received the funds the same day and when I called today XXXX XX/XX/XXXX I was told by the customer rep that the funds were being sent back to me because I am five months in the rear. I was put on hold to speak to XXXX XXXX and was disconnected before I spoke with her. I called back, five minutes later and was again disconnected when transferring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Healthcare is reporting 2 new collections on my credit report. I have never received one thing from them nor did I know this existed! I have tried to call them several times since I saw it on credit and its fax numbers and voicemails. I can not reach anyone. 
I contacted the hospital to see and they said nothing has been sent to collections because I have trying to get hardship. 
This is erroneous and by law they are supposed to notify me and give me a chance to dispute it. They are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I disputed a debt owed to XXXX XXXX that was sold to Midland Funding LLC. A Incorrect balance is being reported to the credit bureaus. Midland Finance responded to my dispute stating We have found that our information is correct but did not provide me with any type of validation of this debt owed. They did however provide a letter from XXXX XXXX stating that the Account was sold to Midland Funding and that I should contact Midland Funding if I have any questions about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Nelnet, Inc.
State: IL

Complaint narrative:
I was recently denied for a car loan as information supplied by XXXX ( on behalf of Nelnet ) makes it appear that my debt to income ratio is problematic. This is due to erroneous monthly payment amounts being reported totaling over {$700.00}, notwithstanding the fact that I am currently on an Income Driven Repayment Plan with a monthly payment of {$0.00}. I have been on this plan for years, and will continue to remain on this plan so long as I recertify yearly, which I have always done. This issue only appears in error on my XXXX report ; my XXXX  and XXXX   reports both list my monthly payment correctly at {$0.00}. 

In speaking with these companies, XXXX  blamed Nelnet for providing inaccurate information, while Nelnet blamed XXXX for " interpreting the information they provide incorrectly. '' The bottom line is that SOMEONE is responsible for this inaccurate information, and responsibility can not simply continue to be shifted back and forth. The information needs to be fixed. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
There were charges on the account that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
Good Evening, I just got off the phone with both XXXX and XXXX at EOS CCA company in regards to alleged debt from XXXX acct # XXXX, and it keeps showing that I still owed {$360.00} but this debt has been paid down in full with reference number # XXXX ... This is reporting wrong balance and they both mentioned that once it's paid that they will fax me the letter and put an order to get it removed or deleted from my credit report. 

Again, I had disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: GA

Complaint narrative:
There were charges on the account that did not belong to me.

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 2019-03-14 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: GA

Complaint narrative:
There were charges on the account that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: GA

Complaint narrative:
There were charges on the account that did not belong to me.

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 2019-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Good Evening, I just got off the phone with the representatives with XXXX XXXX card services. I'm not sure where the breakdown is but I never had any account or relationship with your company, XXXX XXXX. This account does not belong to me it was actually for XXXX XXXX XXXX and I had no responsibility and never applied for giving consent for my ss card to be used. I need this removed out of my credit report once it for all. 

Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2019-03-14 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: Upstart Holdings, Inc.
State: NC

Complaint narrative:
The reason I am writing to you is to state that Upstart is being inconsiderate, I have always been a loyal if not outstanding customer. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year, and I was over a month late in XX/XX/2018 ( payment reported as 30-59 days late ). Also, I had been carrying a sizable balance for several months but as I am writing to you now, I am in the process of paying of the balances on my Upstart account. their records will show that I had never been late with a payment until this unfortunate oversight. 

The reason for me to be off the schedule to make the payments is that I got married in XX/XX/2018 ( Proof of Marriage ). As a result, I travelled out for my honeymoon for a few days, having expected to be back in time to take care of my payments. Unfortunately, During the few days honeymoon, my wife fell very Ill and could not come back as planned. I wish all was well in our Honeymoon and had come back in time but now its too late for me to go back in time and fix the situation. This was not entirely my fault as I was not around to make payment. Were it not for this set back, I could have maintained my perfect record. I can assure you it wont happen again going forward. 

The reason for writing this letter is that Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. 

As a long-time customer in good standing, it would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment from my file that was reported in XX/XX/2018. 

Thank you for your consideration, and I hope youll approve of my request. 
I am attaching my travelling itinerary and marriage certificate for your reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan transferred from XXXX to Mr. Cooper. New payment amount adjusted with an increase of XXXX & is listed as fees. New fees indicated are for processing etc. & I did not authorize an increase, nor signed any documents relating to said increase. Then when I tried to pay the original payment amount it auto filled the prompt and added the next months payment as well and wont allow you to pay any other amount other that the amount they auto filled trying to trick you into paying 2 months amount. 
Also when you call they indicate due to current call volume they can not assist you at this time. When you pick a different category they put you on a non answered hold.

Company response to consumer: Closed with explanation