vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PacWest Credit, LTD
State: OR

Complaint narrative:
I had emergency XXXX XXXX for a XXXX XXXX. I asked for a defered payment. Although no place on the contract is it stated that you have to pay 6 months for deferment, they said thats their policy and when I said I would be late, it was never mentioned that they would repo on first late payment. On top of that they refuse to understand that because my phone is unlisted I can not " Un block '' my number and they do not accept unidentified numbers '' I don't have a cell phone. I have no way to call them and they refuse to set up an arrangement by email. Some also not in the contract. A woman from their legal department belittled and badgered me and said I was " Making excuses '', mind you I have had to pour alot of money into this car and it only ran for 2 weeks since XX/XX/XXXX. The tires even were turned around so I couldn't see the gouges on the side walls of 3 of them, ball joints, control arms, struts, shocks, O2 sensors .... The list goes on and on and the car is an XXXX with very spendy parts. This woman from their legal department wouldn't let me respond to her abuse without threatening not to extend my time until I get my social security comes so they could just take the car I have poured so much money into. She WANTED ME TO BEG. I did because I have to keep the car. She wanted to show me she held all the cards and I do what she says or else. This was my only late payment. She treated me like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Army and Air Force Exchange Service
State: NM

Complaint narrative:
I've been trying to buy a home through FHA. Two of the credit reporting agencies reported accurate information. The third, XXXX, first was locked, I could not gain any info. Then with the help of my finance consult, on XX/XX/XXXX we finally found someone that understood our problem : My credit report contains information on someone else with the same name that is DECEASED. And two accounts specifically, XXXX/MILITARY STAR, are on my report. They are not mine, have never been in the military, and I am not DECEASED. We filed a dispute XX/XX/XXXX and about 3 weeks later, someone finally discovered the problem and DELETED the XXXX account. So I thought that would solve everything, since they had lumped XXXX and MILITARY STAR together. So when my finance person and I went back to see what XXXX was reporting, in order to finalize my FHA loan, before I lose ANOTHER chance at a home, it still showed MILITARY STAR on my report, that I am DECEASED and the account has been closed since 2015. The only info I have on this account is in the report, with the number of the account as XXXX ... ... I need this off my report! Otherwise I am never going to be able to qualify for the FHA loan! It is now the second week of XXXX and I am getting very frustrated with the whole system. I am going to try to contact MILITARY STAR again to see if I can get anyone that can help and understands what I'm talking about. I am so upset that I might lose my chance at this house!

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 2019-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy cash took {$1900.00} out of my account without my permission. A ACH letter is on file with the company Company admitted they made a mistake but left me without any money until the amount can be put back in my account which is 3-5 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: PA

Complaint narrative:
I Have received Alert from XXXX that change decided on my report, then i looked found unauthorized Hard Inquiry left by US BANK this is a fraud on my credit, so right away i add fraud alert on my credit and freeze credit with XXXX and XXXX this below information has left on my credit its Unautorized Inquiry A new inquiry has appeared on your credit report. 
Alert Date XX/XX/2019 Alert Id XXXX Alert Type New Inquiry Inquirer Name US BANK Phone Number ( XXXX ) XXXX Industry Type Bank Subscriber Address XXXX XXXX XXXX XXXX, XXXX, MN, 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 2019-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Good Afternoon, I am complaining on the actions taken by NFCU on XX/XX/XXXX in which they permanently closing my account due the suspicion of fraud. I had a friend wired me money from his bank XXXX XXXX XXXX in the amount of {$9600.00} to my credit card, it was on hold for 7 - 10 days to be process but it didn't process at all after several attempts. NFCU representatives declined to assist me in resolving the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
XX/XX/XXXX - LoanMe Flagged my Payment for 30 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - LoanMe Flagged my Payment for 60 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - Called Loan Me and told them what had happened. Still was unable to charge my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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 — Was not notified of investigation status or results
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I requested a validation from the collection agency and they did not submit any kind of validation. USPS TRACKING INFO : XXXX XXXX XXXX XXXX XXXX XXXX ( Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in XXXX, CA XXXX. ) The alleged debt that they say I owe has account information for the last payment made on the account being XX/XX/XXXX. The statue of limitations in the state of California for a written contract is 4 years. ( CCP 337 ) ( XXXX XXXX XXXX  XXXX XXXX   XXXX ) Currently it has been over 4 years and they are continuing to collect on a debt which makes them in violation of ( Civ. Code, 1788.14 ) ( XXXX XXXX XXXX  XXXX ) Not to mention that they are denying me a validation like I requested. California also has very strict laws in regards to what documents MUST be provided in the event of a request for validation. ( California Code, Civil Code - CIV 1788.52 ) ( XXXX XXXX XXXXXXXX ) Since they can not provide the validation they are reporting to the credit bureaus without verification and this violates a plethora of laws. ( 15 U.S.C. 1681i ( FCRA ) by repeatedly reporting inaccurate information due to this violation of federal law, I have a right to seek remedy as it has caused me damage in how I am viewed by lenders, and terms of loans received. 

More laws they have violated : Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. ( FDCPA 15 U.S.C. 1692d ) Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e ) Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
The week the 1st initial payment was due I became very sick. I c as called the manager to  inform her of my prognosis. XXXX of my small children were also very very sick. Had been in the ER WITH XXXX OF THEM ALMOST 72 HRS BACK AND FORTH BETWEEN XXXX OF THEM. I HAVE MEDICAL DOCUMENTATION TO PROVE MY WHEREABOUTS AND CONFIRM THE SEVERITY OF MY SITUATION. SHE WAS NOT UNDERSTANDING AND WAS ADAMANT I COULD NO LONGER MAKE MY INTIAL PAYMENT BCZ MY ACCT WAS SENT TO COLLECTIONS. AFTER ONLY 1 WEEK. ABSOLUTELY RUDE AND INCONSISTENT WITH PROTOCOLS AND PROCEDURE 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have a pay pal account under the name XXXX XXXX. I use that sometimes to order stuff on line. On XX/XX/XXXX I ordered a pair of shoes on my Cell phone using my PayPal account not knowing it would come from XXXX. when I received it I noticed it was not the right fit. So I tried to return it to where it came from. I got no response from the store they tried to send me gift cards and asked me to donate the shoes. The transaction was for XXXX dollars. I contacted my PayPal credit to see if they can help me return the material and get my money back. They did. They finally were able to get the store address and they told me to send it back with a tracking number. This was filed on XX/XX/XXXX I did that I uploaded the receipt from USPS. I made a mistake in reporting the tracking number. I emailed them on XX/XX/XXXX to let them know of the correct tracking number. 
they responded that you don't worry and be patient. They are working on it. 

Till today they send an e-mail saying oh the case is denied because I have not provided the right tracking number. They closed the case and they are not going to open it back up. In the process I had to pay money for the postage and send my shoes back and ended up with nothing. Why are they closing the case so I could not update my information in the first place.? why they did not contacted me to find out about the right tracking number?. When I e-mailed them they told me not worry and now this is what I get back. I asked to talk to a manger or someone else no this is it. Of course they have been paid so they don't care. Is there a way that I can get some protection through you guys?

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 monetary relief
Consumer complaint received 2019-08-09 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: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by TD Bank of XXXX. I make my payments via XXXX XXXX XXXX/. I have made all my payments either on time or in advance except for XXXX, XXXX which was two days late. I can document all of these payments. 

I was pre-approved for a home loan by XXXX XXXX XXXX XXXX, TN on XX/XX/XXXX. My credit score was well above the required 620. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX TD Bank reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts ( approximately $ XXXX/mo. {$600.00}. more than my house payment would have been ) to keep my things in storage and live in temporary housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I was approved for IDR plan today XX/XX/2019 ; however I received two confirmations with conflicting messages. In an email, which I will include in this complaint, states that I now have a monthly payment of {$0.00} which I need to recertify annually. This is fair and makes sense. I then received a Pdf attachment from a secure email, stating that i have a monthly payment of {$260.00} due on XX/XX/2019. What plan am I on? If I have no income, why am I now owing {$260.00}? 

Please help sort out this confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I realized XX/XX/2019 my husband had a judgement through Portfolio Recovery Associates LLC on a XXXX XXXX account. I paid the entire debt in full on XX/XX/2019. I have been requesting the associated documentation ever since. I have been told every day that I call it's in processing. I have called 3-10 times a week since XX/XX/2019 to request the satisfaction letter. It took me until XX/XX/2019 to get ANY sort of documentation that showed I paid the debt in full. I have been requesting the judgment be satisfied through the courts to close on a home I am purchasing. I have now filed via XXXX XXXX Court XX/XX/2019 in order to get this paper work I have now been requesting for 4 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 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:
XXXX XXXX repeatedly has shown up to my work, 2 or 3 times in one day. He calls my work 2 or 3 times in one given day. HE has repeatedly called my cell phone. I have since blocked his number so I no longer receive notification of his calls. He had shown up and called my work so many times my office manager told him I no longer worked there in order to get him to stop harassing me at work! Most the time I was not even working and he would continue to call! 
It is has gotten so sever, I am scared every time I leave any place, business, or any where. I am scared to leave that he is following me and that he will cause a scene. I am a single mother of XXXX kids and this man will not leave me alone!

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.

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 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
XXXX XXXX repeatedly has shown up to my work, 2 or 3 times in one day. He calls my work 2 or 3 times in one given day. HE has repeatedly called my cell phone. I have since blocked his number so I no longer receive notification of his calls. He had shown up and called my work so many times my office manager told him I no longer worked there in order to get him to stop harassing me at work! Most the time I was not even working and he would continue to call! 
It is has gotten so sever, I am scared every time I leave any place, business, or any where. I am scared to leave that he is following me and that he will cause a scene. I am a single mother of XXXX kids and this man will not leave me alone!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I was charged additional money for an unfair reason XXXX XXXX added to my morgage I never missed a payment

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/XXXX {$3500.00} Deposited Cashier Check into XXXX XXXX XXXX XXXX Account and cleared on XX/XX/XXXX XX/XX/XXXX and XXXX {$1600.00} Zelle Shipper Fee in 3 separate transactions So as it turns out I was scammed, I posted my vehicle to be sold online after negotiating a price with the buyer I receive the following response Sounds good, I would like to make an outright purchase but i'd be paying through cashier check as it comes from my salary account, I can add {$50.00} for holding it for us. The shipper pick up after check cashed and cleared at your Bank. Me not knowing what I know now I assumed this was just as good as cashed so I agreed. I received the check priority mailed and deposited into my account I advised the buyer, we agreed once the check cleared Ill send {$150.00} via Zelle for the shipper payment so they can pick it up and the rest XXXX response Good, Shipping fee as quoted by my shipper is added on the payment sent to you, You are to deduct your money + extra {$50.00} for holding fee and have the rest wired to my shipper, We will await payment clearance before pick up.Thanks and let me know if i can trust you to handle the situation. You split the money into two, firstly send {$900.00} and send the remain {$750.00} in few minutes now and get back to me with the screen shot of confirmation to me so that I could forward it to the shipper for the pick up ok. After having issues with my bank I was finally able to send the funds thinking this would be the best way as at the time I assumed Zelle provided protection. Later the seller stated something came up and could not go thru with the sell and asked I refund him I stated no sale is finally kept getting push back and at this point is when the radars went off. 

I called Zelle to stop the payments as it was pending couldnt i explained the situation, trying to get ahead of it they stayed if not cancelled in seconds nothing can be done! I will never use Zelle again, its like the intentions is to support the ones who are running these scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I have spoken to Franklin Collection SV at XXXX located at XXXX XXXX XXXX XXXX, XXXX, MS . They filed a collection 's notice on my credit report for {$150.00} for a debt I do not owe. I disputed the amount directly with XXXX XXXX  and made it clear to Franklin that I have disputed the amount and that I did not owe the amount. This is the second time they have hurt my credit standing due to a false credit report being filed. I am in the process of buying a property so this false report has harmful impact on my ability to buy a property. XXXX XXXX  is in the wrong and Franklin Collections has systematically hurt my personal credit. I am also very concern given my identify has been stolen once that this agency has access to my social security number without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Re : Ally Financial This is now part of a Chapter XXXX Bankruptcy ( Wage Earner Plan ) ... .They consistenty report this as a collection. My attorney and the Trustee have informed me that this should have been converted to the WEP. Ally has refused to change after multiple attempts thru the cedit bureaus, most recently XXXXn.

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