vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MIDCOUNTRY FINANCIAL CORP
State: MO

Complaint narrative:
I got a installment loan with Heights Finance in XXXX. Lost my job due to work comp case in XXXX, they were notified. In XXXX, I received a letter from collection agency for {$3200.00}. I remained in contact with company. In XXXX, I received the last billing statement stating acct balance was {$3200.00}, but I was only able to pay {$98.00}, bringing total to {$3100.00}. The account went into charge off status. Had XXXX on elbow that same month & short term XXXX had not started yet. Company was aware, but continued to call & harass me twice a day even after the change in acct status. Due to the stress that caused, I wrote them & demanded they no longer call me, but to communicate in writing from here on out. Credit report disputes from XXXX, show they reported the balance to be {$3100.00} up until I paid {$3200.00} in XXXX, then they all of a sudden show an unpaid balance, today they show XXXX payments due for XXXX & XXXX. The company has never sent an updated statement showing any unpaid balance-my address has never changed, which could have been paid in XXXX if there were any, but continues to increase it on my credit report. Thankfully I check that or I would have no idea what they're doing!! The company also continues to update the account as if it is currently open. Everything they've sent me in XXXX shows the balance being {$3200.00}, I have a copy of the last statement & the check from the bank & when they processed it. The company themselves reported {$3200.00} for months, then {$3100.00} for months then when it was paid off they added more ... that's WRONG!!

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 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Synerprise consulting is attempting to collect a medical debt that states I went to XXXX XXXX XXXX in XX/XX/XXXX. I didnt go to a urgent care facility in XXXX, let alone in XX/XX/XXXX. I moved to XXXX Texas in XX/XX/XXXX which is near XXXX TX. XXXX XXXX XXXX is in XXXX TX which is near XXXX TX and a 4 hour travel distance. This is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Around XX/XX/XXXX-XX/XX/2017 I called XXXX  to tell them about a double account that been reported for T.D Bank and I explain to them that one of those account is open and the other one is closed and but I never mention my account as fraud and they removed it and T.D Bank has closed my account because of identity theft which is not true and later on reopen my account back and it hasn't been reported back to XXXX at all and it only being reported to XXXX and XXXX  at this Time now I contacted TD BANK to see if they can reinserted back to XXXX report but they didn't do it and I kept getting letter from them saying that im giving them insufficient information to them and they were no help to me and I need to have this credit card reported back my account number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: VA

Complaint narrative:
Despite of informing and complaining several times regarding wrong information on my credit identification number XXXX, no actions have been taken from Transunion as well as XXXX XXXX XXXX for wrong reporting of two hard inquiries dated XX/XX/2017. 

XXXX XXXX XXXX has done wrong reporting for the aforesaid date. It has to be only one entry rather than two entries.

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 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TN

Complaint narrative:
In XX/XX/XXXX a few days after my husband XXXX XXXX XXXX passed away I found a Discover card statement with a {$17000.00} balance addressed to me in my husbands email. I do not have a Discover card nor have I ever applied for one. I  contacted Discover and they informed me the account did exist and it was applied for online in XXXX. XXXX at Discover told me their records show " he '' called in XXXX and added XXXX XXXX as an authorized user, their records also show Discover called XXXX ( husbands cell ) to verify XXXX was added as an authorized user. Discover quickly concluded fraud/ identity theft had not occurred although they had been emailing all the statements to my husband and had only his contact information on file. I also spoke to XXXX at Discover, she informed me I was responsible since there were utility bills from my residence charged to the card and I benefited from it. She also said I am responsible because I let my husband pay the bills and take control of the finances. I have asked Discover to send the statements to me so I can see what was charged to the card and they have not did that, they have only sent one statement showing the interest accrued. Discover has also told me I owe XXXX and another rep. said I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Office of Edwin B. Parry
State: UT

Complaint narrative:
My daughter received a debt collections notice on XX/XX/2019. We paid another debt with this same company in XXXX of XXXX. We believe they are trying to charge us with this debt twice as the new debt they say we owe is from XXXX. why was it not included in the medical debt we paid in XXXX of XXXX as they say it was from the same provider. Edwin Perry law firm said we had to respond in 10 days. We sent them invoices showing we paid and they got back to us on XX/XX/XXXX at approximately XXXX XXXX saying if we paid today it would be XXXX. The bill in question is for XXXX If we did not they were going to file a lawsuit with the court and it would be minimum of XXXX. It does not seem fair they can give us 4 hours notice to review the information to avoid an extra XXXX charge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
EOS CCA has illegally re-aged a collection debt and did not notify me of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Thursday, XX/XX/2019, I was repeatedly called from XXXX. If I answered the call, I heard an automated voice say " hold for the next agent* '' *not sure if they said agent or rep etc ... but it was " hold for the next ''. The just kept calling. Please see example attached of how they were calling me. The example will show calls at XXXX, XXXX and XXXX. I received calls before and after these also. Unfortunately, I had erased other calls from them prior to deciding to file a complaint. ALso, I did miss my XX/XX/XXXX payment, I believe this is why they were calling

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Despite of informing and complaining several times regarding wrong information on my credit identification number XXXX, no actions have been taken from XXXX as well as Bank of America for wrong reporting of two hard inquiries dated XX/XX/2017. 

Bank of America has done wrong reporting for the aforesaid date. It has to be only one entry rather than two entries.

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 2019-06-28 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: GA

Complaint narrative:
I am having a problem getting approved from any lenders because of this creditor reporting a charge off on my business when the debt was settled and agreed to be removed off my report because of me being caught in the middle of situation that I was not aware off by EQUIFAX business. Please remove this from report off my credit. It is not reporting accurately in my report ... Missing information by XXXX XXXX business

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX SSN XXXX XXXX XXXX. I have been trying to file a dispute with Transunion Credit Reporting regarding hard inquiries on my report that I did not approve. They keep giving me the running around even after I contacted the creditors that pulled my credit report. The companies are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and 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 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
A strange note appeared on my credit report about a debt owed to a collections company somehow affiliated with XXXX XXXX. We don't use XXXX. We never have. I have no idea where this is coming from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NV

Complaint narrative:
Spoke with XXXX the initial debt holder. Returned equipment and the bill was settled. Spoke with collection agency told them it was settled years ago. Contacted XXXX again and they informed me it was closed and would be removed from credit report. I contacted yhe collection agency and explained to them. Yhey said ot would be removed from my credit report. In addition, this is debt is from XXXX and is very old. I can not understand how they would try to recollect years later.

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 2019-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
XX/XX/2019 {$1200.00} and all of our bank recordsfor 3 months prior to this date for myself and other members in my household on our loan, social security numbers, and address. We then lost our house to foreclosure and were referred to a lawyer they use frequently and had to pay her {$670.00} on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: CO

Complaint narrative:
I attended XXXX College from XXXX in the Wind XXXX XXXX. I was set up with a loan managed by XXXX Colleges ( who is apparently no longer in business, along with XXXX College/any other colleges they managed ). 

I chose to pay off the loan early in full in XXXX of XXXX. 

However, on a credit report I received in XXXX of XXXX, I had a " negative '' item affecting my credit/on my credit report related to this loan. The information on the report is as follows. Original creditor : XXXX College. Credit Limit/Original Amount :  {$1500.00}. Collection Agency : XXXX XXXX XXXX. Status : Paid, Close.  Payment History/Month Opened : XX/XX/XXXX. Payment History, Month Closed : XX/XX/XXXX. 

From the information above, some company related to my loan filed me for collections but then immediately closed it a month later - because I paid my loan in XXXX. Although this isn't showing up on my current XXXX Experian credit report, a lender who I am getting a mortgage loan through did find it and it is affecting the interest rate I can get for that loan. 

I want this removed from my credit history completely so it doesn't affect anything in the future.

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 2019-06-28 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: Riverwalk Financial Corporation
State: CO

Complaint narrative:
I attended XXXX College from XXXX in the Wind Energy Program. I was set up with a loan managed by XXXX Colleges ( who is apparently no longer in business, along with XXXX College/any other colleges they managed ). 

I chose to pay off the loan early in full in XXXX of XXXX. 

However, on a credit report I received in XXXX of XXXX, I had a " negative '' item affecting my credit/on my credit report related to this loan. The information on the report is as follows. Original creditor : XXXX College. Credit Limit/Original Amount : {$1500.00}. Collection Agency : DeVille Asset Management.  Status : Paid, Close. Payment History/Month Opened : XX/XX/XXXX. Payment History, Month Closed : XX/XX/XXXX. 

From the information above, some company related to my loan filed me for collections but then immediately closed it a month later - because I paid my loan in XXXX. Although this isn't showing up on my current XXXX XXXX credit report, a lender who I am getting a mortgage loan through did find it and it is affecting the interest rate I can get for that loan. 

I want this removed from my credit history completely so it doesn't affect anything in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services
State: FL

Complaint narrative:
1. I start a lease application I never completed, but my guarantor did. I never pay the Application Fee neither deposit ; I never signed neither complete the documents. The signature they have is my name that the system Auto-Filled once I open the box to review the info of the lease and stop the process from completing.

2. They told me that if I did not pay the Application Fee before XX/XX/XXXX, I wouldn't be with any responsibility for the lease.

3. On XX/XX/XXXX, without me paying anything ( application fee, or deposit ), neither completing the signing of the contract, XXXX XXXX charged me with {$2000.00} by phone.

4. On XX/XX/XXXX BYL Collections send me a bill without any description of what was for the amount were XXXX  had assigned me a total balance of {$40.00} for XX/XX/XXXX to pay. I thought it was the entire balance I have to pay to end the misunderstanding and not the previous {$2000.00}. I paid the amount.

5. On XX/XX/XXXX, BYL collections agency to contact my brother without billing or contacting me first to notify me of a new total balance of {$3800.00}. Saying that because they had received a payment of {$40.00} in XX/XX/XXXX, they were authorized to charge this new debt. They hurried him to give his credit card information by phone. They had called him three times now.

6. I have never received a call from BYL collections stating the amount they tried to charge to my brother. I never received, even though I asked for, a proper bill stating the debt they say I have with them in XX/XX/XXXX. Neither the bill from BYL I received on XX/XX/XXXX stated as balance the amount of the three months they argued I owed them by that time. They misled me with an undescribed payment of {$40.00}, and now they are claiming that is the payment that makes valid that I had a contract with them and that I owed them {$3800.00} until now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Lobel Financial Auto Loan is reporting inaccurate data on my credit report, and will not fix the errors. 

See below. 

I am disputing Lobel Financial Auto Loan reporting on my credit report. See below and attached documents. 
Payments made were 45 months not 42. ( late payments were still paid ) Total Payments = {$12000.00} not {$8100.00} My payments were {$280.00} a month. {$280.00} X 45 = {$12000.00}. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have been denied the right to request validation of the debt. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2019 at XXXX XXXX we received a call from WALMARTCARD. We do not have a Wallmart card and should not receive calls from any XXXX number as we are registered on the do not call list. Our caller ID indicate the number is XXXX The came in on our home number XXXX. 

Both our cell phone number are on do not call lists and we continue to get calls about paying off student loans and eliminating credit card debt. We have never had student loans or excessive credit card bills. Our number are XXXX and XXXX. 

Can you please have these unwanted calls stopped? It is unacceptable to get a call at 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 2019-06-28 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: TX

Complaint narrative:
Midland Funding LLC has been reporting erroneously for years in multiple ways. 
Currently, after many letters, Midland Funding reports first major delinquency on XXXX as XX/XX/XXXX for a time-barred account from XX/XX/XXXX. 
They were simultaneously using XXXX as well but now it is all Midland Funding LLC. 
The parent company is MCM Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX I had had the original acct since the early XX/XX/XXXX 's which was in good standing until the last year. An XXXX in my life caused havoc in every way imaginable. I am lucky to have lived through it. First thing on this card, the interest was raised from about 11 % to 29 %. I had just lost my home of 28 years which I ended up paying off when it was mysteriously transferred to XXXX XXXX ( XXXX was soon taken over by the government and my life savings so to speak was gone forever. ) I was totally uprooted and having to drive more in relocating. The house is now on the tax rolls for over {$400000.00}. so a few people made off like bandits on my equity and my property.

Company response to consumer: Closed with non-monetary relief