vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX  and  XXXX   XXXX  sold off a portion of my student loans during my loan consolidation process. This has resulted in approximately  XXXX  third of my student debt being " non-consolidated '' and thus not eligible for th e Public Service Loan   Forgiveness ( PSLF ) p rogram until I was notified of the problem in  XXXX  once I moved to a different loan servicer.     I submitted the appropriate paperwork to consolidate all of my student debt together after I graduated in  XXXX . I spent many hours on the phone with  XXXX   XXXX  and had to repeatedly submit documents even though I had already complied with the consolidation and Income Based Repayment requests. During the consolidation process a third of my debt  XXXX  approximately {$80000.0 0} ) w as sold without my knowledge to  XXXX . As a result of the sale, my loans were mishandled and this amount was not consolidated with the rest of my debt.     The result was that approximately two thirds of my debt was properly consolidated and eligible for the PSLF program, while the remainder remained unconsolidated and ineligible. Because I was making a single payment as part of the IBR program, and was certifying my employment as part of the PSLF program for the eligible loans, I had no way of understanding that this unconsolidated debt was not eligible for forgiveness. I was never notified of this problem but instead was repeatedly reassured that I would ultimately be eligible for the PSLF program.     I learned about the problem once I moved to FedLoan and for the first time received a very clear understanding of the consolidation process and the PSLF elibigibility requirements through a series of customer service phone calls. Following these calls, I re-consolidated the remaining debt in  XXXX . I now have approximately {$110000.00} in debt that will be eligible for forgiveness in  XXXX  but should be eligible in  XXXX  along with the rest of my debt.     I am requesting to have this later-consolidated debt back-dated so that the payments made since  XXXX  become eligible for the PSLF. I would also like to have this complaint formally included in the records of  XXXX   XXXX ,  XXXX , Fed Loan, the Consumer Financial Protection Bureau, and the ongoing litigation around these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
ATTN : Legal Dep artment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsecti on ( 8 ) ( D ) . The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sect ion 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FC RA 623 ( 8 ) ( E ) ( iii ) establish es a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  Portfolio Recovery Associates   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: MN

Complaint narrative:
My lender keeps calling for payments and late payments. I call them and they automated system asks for my full SSN, I put it in, then says please hold for the next available rep, then it hangs up on me. I have tried to login using my normal credentials and it says it no longer exists. I am getting unencrypted emails from a representative with the company and they refuse to communicate via email with me, yet will send me an email of who they are and that i need to call in. This is unbelievable. I can not make a payment no matter how hard I try and all the while I know I am being charged interest and fees!!!

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 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ULRS, Inc.
State: CA

Complaint narrative:
I received several calls to my cell phone and home phone as wells calls to my parents and brothers trying to collect a debt for a company named  XXXX   XXXX  that I do not know. I explained to her that I do not know this company nor I am aware of any commercial transaction between that company and her client. But she did not accepted my explanation and keep harassing me and my family threatening me verbally and unjustly for a claim that I have no idea about it

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed a reporting bankruptcy that is n't mi ne 3 wi th times. They continue to verify it saying the court furnished the information. I have sent a copy of the letter from  the Clerk of Court  in  XXXX  SC stating they they do not furnish this information to CRAs. She also states that they do not keep complete social security numbers. I would then like to know how it 's possible they verified this information when the court simply states they do not provide this information to them. They are in clear violation of the reporting act and not fully verifying information they are reporting.

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 2017-04-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Complaint is that I and all are being manipulated via the issuing of extremely lower FICA scores generated by individual lenders. In this case Synchrony Bank who maintains the greater majority of my retail credit cards,  XXXX  accounts currently being challenged and my score is  XXXX  pathetic. I have paid off my mortgage and other accounts and in lieu of going up it goes down. I have been denied credit and the ability to get a loan and they both the credit bureau and lenders point at each other. By opinion lawless sham for consumers have no protection from anyone- none!

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.    I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   1. XXXX   XXXX   XXXX  #  XXXX  2. XXXX  #  XXXX  3. XXXX  #  XXXX  4. XXXX    XXXX   XXXX   #  XXXX  5.  XXXX   XXXX   XXXX   #  XXXX  6.  XXXX   XXXX   XXXX   #  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Second complaint on  XXXX   XXXX   XXXX   XXXX . We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How did  XXXX   XXXX  send a letter verifying my 30 days on the debt on  XX/XX/XXXX    but placed the actual debt without verification on my report  on  XX/XX/XXXX ? Sin ce I have filed this compliant  XXXX   XXXX  has placed this on all  XXXX   XXXX  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   County Court for f raudulent and misuse of T exas Debt Act an d violation of my privacy by contacting and sending my personal information to another party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have received a payment of  XXXX   XXXX  from  XXXX  's central bank (  XXXX   XXXX  ) which was credited to my  XXXX    XXXX   account. The transaction came short of the missing {$38.00} which were routed through a  XXXX    XXXX   in  XXXX  an d Wells Fargo in the US.    The client informed me that they sent out the full amount however the information received from  Wells Fargo ( below )  missing following info :  1  ) the amount received and sent out to Chase bank in Illin ois 2 ) Th e fees and commissions charged b y Wells Fargo.    Question : why the transaction was structured to result in MAXIMUM amount of fees and why the fees were not disclosed as required by law.       XXXX   XXXX   VIA :  XXXX   XXXX   XXXX ,  XXXX    XXXX   :   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  IL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX  (  XXXX  )  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX  SSN :  XXXX  TRN :  XXXX  Incoming wire transfer

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 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
I contacted  XXXX   XXXX  after noticing that this alleged account was removed  THREE  TIMES in  XXXX  - specifically  XXXX   XXXX  and  XXXX   XXXX ,  XXXX , and  XXXX   XXXX ,  XXXX . This collection agency has reinserted themselves back as Credit Bureau  of Lancaster,  to which I never got the 5 day notice &amp; this is a FCRA violation. I have asked them for my contract with them and they have failed to sufficiently verify the alleged accounts, which they sent me different bill print outs ( not original ). They have also failed to provide my contract and signature with them because  XXXX   Hospital  does not have these records, and was referred to contact  XXXX   XXXX   XXXX  who handled some old accounts according to  XXXX  Hospital, they too have no records. Today,  XXXX / XXXX / XXXX  - I called  XXXX  today and spoke to a rude representative who stated that they could not give me information on the account. My calls are ALL recorded, and available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DataMax Corporation
State: TX

Complaint narrative:
I have a debt collection item on my  XXXX  credit reports for an unpaid utility bill that I never opened.  XXXX   XXXX   XXXX , a  utility  company in   XXXX   XXXX    seems to believe that I opened an account in  XXXX . I enlisted in the  XXXX  in  XXXX , and have not lived in   XXXX   XXXX   since then. I am currently stationed in  XXXX , and wad previously in  XXXX . I 've also resided in military housing ( ie. barracks ) since  XXXX , where I have no rent or utilities. Furthermore, I was  XXXX  in  XXXX . In short, I had absolutely  zero  reason to open a utility account with  XXXX  or anyone else. It was not me who opened this account. If someone used my information, they did not have my permission. I have filed disputes with the  XXXX  credit bureaus. Thus far,   XXXX   is the only one to have competed their " investigation ''. They have decided to keep this fraudulent negative information on my credit report. How can I get the collection agency and the utility company to remove this false report from my credit???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whom it may concern, Two weeks ago I was a fraud victim. An imaginary FBI agent (  XXXX   XXXX   ) c alled me and she demanded {$8000.00} for student taxes that I had not paid the last 4 years. Unfortunately, I believe on her as she revealed all my debit and credit bank account limits ( " Sir, I see that according to your debit and credit limits, you have  XXXX   XXXX  So you can pay us today if you do n't want to be arrested '' ).   I was in contact with her for  8  hours on the phone as I was instructed to buy gift cards from  XXXX  store to pay the IRS attorney that was handling my case. The " Scam FBI ''  officer  terrified me by pressuring to not say anything to anyone and also if I hang up the phone he will be able to put charged on me. Under such pressure, I used three different cards in order to buy 16 gift cards of {$500.00} each ( {$8000.00} total amount ) {$1500.00} -- &amp; gt ;  Wells Fargo  {$2500.00} -- &amp; gt ;  XXXX   XXXX  {$4000.00} -- &amp; gt ; Chase When my wife came home (  XXXX  pm ), she realized that this was a fraud, and she called for a police officer to talked with the " Scam FBI '' agent ( I was in phone hold ). When the police  officer  came home and talked with the " Scam FBI '' agent, she changed her voice tone and hanged up the phone. The police  officer  directly filled a police report for me with a case number "  XXXX  '' and he told me that a detective will be able to contact the  XXXX  store in order to track the gift cards. The detective 's information is "  XXXX ,  XXXX   XXXX  &amp;  XXXX  ;  XXXX  XXXX  XXXX  &amp; gt ; '' and he told me to call my banks in order to report my case number and to inform them that I was a fraud victim.      XXXX  week later, the  XXXX  and  XXXX  banks directly removed my transactions from my credit accounts. Unfortunately, the  Wells Fargo , after their research, found that the transactions (  3 gift cards, 3  x {$500.00} = {$1500.00}  )  were correctly charged to my account. So, they did not reimburse 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 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
They report something it does not belong to me at the time   XXXX   I did not have a social security number .How they can charge me for something it is not my debt.   I need this collection to be removed from my account it is affec ting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Cash  call  XXXX   XXXX  dollar loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a   XXXX   XXXX    XXXX  that serves as an exexcutive for  XXXX   XXXX   XXXX . Since the turn of the century  XXXX  has been addressing the distracred driving " deadly epidemic. '' with intelligent  driving road conc entration training. For over  three yea rs  XXXX  conducted the " modernization of telephone banking '' and after opening and account a t Capital One 360,   XXXX   XXXX  , that has a safe system that rings right through the bank, but soon disco vered their partner  Captial One had outdated telecom with dangersou prompts, see :   XXXX   XXXX   XXXX   So being   involved in the   XXXX   XXXX   banking campaign spent  may ex tra hours, educatiing interested bank reps and managers about the   XXXX   XXXX   protocol, until approximately  nine month s later was congratulated by both reps and managers on the fact that Captial One was planning on using some of the  XXXX  recommendations. A short time later Ca pital One ch anged their  telecom to off er voice command then after  XXXX  realiazed that they we re sitll m aking the hazardous ATM record request, and we contacted them many times about this, and shortly there after they ceased to make this request, thusly addressing all the main   XXXX   XXXX   recomendations, except offering fair market research value compensation that is included with tnis imformation. We tried appealing to them to offer a donation for using this info or just for the good cause of auto safety so we could help protect their families, employees and everyone as a  million pe ople died in auto accidents last year!  Capital One refused  to pay for this info, and was reported to CFPB and has been lying to them and  XXXX  about this matter, as it can be proven by tapes they recorded of my many campaign conversation.   So we as k Captial One to be  honest about this, listen to the tapes, and study the time line on all this, and then it wil be obvious we were the major contributor to these changes, and if not why did their own employees tell me this? The tapes have the conclusive evidence, so we a sk Captial One to l isten to them, be honest and give credit and donation payment where it is due to help make the roads safer for all!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I received a letter for 50 % settlement of a debt of {$430.00} owed to  XXXX   XXXX . However, I am a current subscriber ( in good standing ) with  XXXX  and there 's no way I could be in collections with them. This is a bogus debt.

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 2017-04-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Account wit h US Ban k received numerous charges from   XXXX     XXXX  ma. None of these charges were initiated by me or anyone in my family. I disputed all of these charges w  ith US Bank, and all were credited back to my account. Once charges were all credited back, I initiated to have previous card cancelled and new card issued.
Most recently, US Bank reversed one of these credits   for {$50.00}. The fraudulent charge occurred on  XXXX / XXXX /  XXXX   ; I disputed it and was credited on  XXXX / XXXX /  XXXX   ; US Bank reversed the credit on  XXXX / XXXX /  XXXX  .      XXXX  is a website hosting business to best of my knowledge from web searches I have done. I see a lot of fraudulent charges from this company when I search. I have no way or desire to interface with  XXXX  as these charges are fraudulent.     I have not activated replacement cards received from  US Bank pending resolution of this issue. Once this issue is resolved, my intent is to cancel this account based on poor customer service from US Bank .

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