vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
This debt is past the statue of limitations as the first date of delinquency was on XXXX XXXX of 2009. I have contacted the original Furnisher of this information to verify the information that the debt collection company ( Northwest Collectors ) is reporting but after further review the original Furnisher ( XXXX XXXX XXXX XXXX ) can not verify this information or is inaccurate. As a result this collection should be immediately deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
on XXXX XXXX, 2017 I received a in-app message saying my account was closed with no explanation. I have deposited XXXX in the account and spent all but {$430.00}. I do n't know where my money is and I can not speak to them over there phone nor chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX inquires listed on my credit file multiple disputes submitted no investigation done by Transunion XXXX inquiries remain and lowering my credit score Transunion refuses to take action even after multiple letters sent warning of legal action to follow

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 2017-07-28 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: FL

Complaint narrative:
I filed a dispute with Equifax for an account that I do n't believe to be mine. The XXXX dispute was submitted on XX/XX/XXXX claiming fraud. The dispute was resolved within days saying that everything was verified. I submitted a second dispute also stating fraud on XX/XX/XXXX. I requested verification and a signature from them. This dispute was also completed in a few days and i received the same cookie cutter response from the first one. I submitted my third dispute on XX/XX/XXXX telling them once again that i needed the signature from this collection agency as proof and that this was fraud. On XX/XX/XXXX they sent me the results. It was the same message from the first two disputes. I had called them to try to explain what was going on and requested since the collection agency was reporting to the credit bureau while this item was being disputed and they failed to provide me the correct information, that i wanted this removed immediately. They are still reporting this. I am more than willing to bring legal action against both the collection agency and the reporting agency if this is n't resolved. I need assistance with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been struggling to repay my student loans off. I am currently on an income based repayment plan.I am unemployed due to circumstances I could not control. My payments are currently set for {$0.00} per month and the total balance due is over {$36000.00}. This is great however every month I occur interest charges for high amounts that add extra to my total balance as they pile up over a years span. In the process it is causing my credit to dramatically decrease every month. I also went into default once and it was n't on my behalf and this caused my credit to plummet at the time and it took me a while to get my credit back up. I have been unable to purchase normal necessary items for years causing stress in my life on top the money that I owe for the loans. I have been through different repayment plans such as forbearance, income-based and deferment none of these plans are helping me to relieve my debt, it is honestly making it worse and me and my XXXX children are suffering in the process. I have been offered a forgiveness program but it wo n't take effect for another twenty years. I need debt relief now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: NE

Complaint narrative:
On my Experian Credit report there is an account that exceeds the 7 year time frame for reporting. XXXX XXXX XXXX first went delinquent per my credit report on XX/XX/XXXX and therefore should have been deleted effectiveXX/XX/XXXX and is still on there. This should be deleted effective immediately

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 2017-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX/XXXX/17 I purchased a washing machine from Conn 's Home Plus in XXXX, Texas. The store was running a promotion of 36 months no interest for qualified buyers. My credit was checked and I did qualify for the promotion. I specifically ask the salesman on two separate occasions if the machine and my credit qualified and I was told yes it does. I even notice that interest information was noted on the contract and asked about the amount and was told that was how much would be applied if I would not have qualified. Approximately three weeks later I received my statement and there was interest applied to the account. For the life of the contract I will be paying {$570.00} which I do not believe that I am responsible for paying. I contacted the store and spoke with two different management people both of which indicated that the amount spent did not qualify and the interest would be applied. I told them that I could have spent approximately {$60.00} more thus eliminating the interest charge or I could have made the purchase elsewhere. The store manager did indicate that there was a mistakes made by sales personnel and the staff had to be re-trained on the application interest free merchandise.
I also contacted the corporate office and was told that mistakes had been made and employees had been reprimanded but unfortunately there was nothing that could be done at this time.

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 2017-07-28 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Dear Sir/Madam, My overall experience with Navient Loans has not been a pleasant one. In the past few years Ive experienced several instances where representatives misguided me when applying for REPAY as you earn plan. This caused me to be in forbearance longer than I anticipated or wanted. One particular incident I was in forbearance for a few months as I was informed that it takes a long time to process paperwork. This of course increased my overall loan amount and I incurred erroneous interest rates from being misguided.
When I graduated with my XXXX XXXX my total student loan was {$100000.00} but now 5 years later with paying the loan my total amount has drastically increased to {$140000.00}, which is beyond unethical.
Very recently I experienced a traumatic incident when I was not informed properly ( email, mail, phone call ) about my REPAY plan expiring which in turn Navient charged my bank account {$1600.00} for my monthly payment instead of my normal amount of {$240.00}. This was traumatic as I was traveling across country at the time and this caused my bank to be in overdraft and frozen for over 4 days as I disputed the charge with my bank since I never approved of this transaction.
This charge went through on a Saturday when of course Navient is not open on weekends. I tried calling the company multiple times on Monday morning but was never able to get through to an actual representative even after waiting on the phone for over an hour and half. I even called the number using a different phone to only receive an automated message stating we are unable to take your call at this time please try again later and directing me to their online platform to schedule a call but the earliest day available was Friday of that week.
Im beyond frustrated and looking for answers as to why my loan has increased this dramatically when Im making payments. Im not pleased with the level of customer service from Navient and Im currently exploring different loan options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: IL

Complaint narrative:
Credit report shows an account listed as XXXX XXXX, in which account validity is still being verified, then once placed in collections which XXXX XXXX XXXX, the same account XXXX XXXX account is listed as XXXX XXXX. There is no consistency in the listing of the company name and one or the other should be removed.

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 2017-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
This company keeps calling and hanging up and/or not leaving messages. they are apparently using a robodialer as I was hung up on, again this afternoon.
I see very poor ratings for this company. That 's why I am coming to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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:
Credit report shows an account listed as XXXX XXXX, in which account validity is still being verified, then once placed in collections which XXXX XXXX XXXX, the same account XXXX XXXX account is listed as XXXX XXXX. There is no consistency in the listing of the company name and one or the other should be removed.

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 2017-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: CA

Complaint narrative:
I received a collections notice from Credit Protection Association regarding a XXXX XXXX debt. Originally, after changing banking information with XXXX XXXX, I received a {$25.00} fee, which I disputed. After speaking with " Billing '' in Customer Service at XXXX, I was told the fee would be taken away if I continued service, in which I did not wish to do. I was then told I would be sent a " Final Bill, '' which included about 2 months of service and the {$25.00} fee for a total of around {$86.00}. I then wrote a letter to Customer Care at XXXX XXXX XXXX in XXXX XXXX, CA and sent a {$43.00} money order for the last month of service I had told them I would pay. On XXXX XXXX, I received a collections notice from the named collection agency regarding an attempt to collect {$42.00} of the remaining debt to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I have a {$1000.00} loan with Big Picture Loans, and I went online to my account starting on XXXX XXXX, 2017. The website said it was refreshing, and would clock and clock, never giving me the payment site. I tried another computer on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, and finally another one today on XXXX XXXX, 2017.
The website for payment has been down all this time, so I finally called today at XXXX XXXX PDT to pay off the loan. If I was able to pay several days ago, it would have been $ XXXX/-, today it is $ XXXX/-. This is because they can not process the payment until XXXX XXXX, 2017.
To me it seems like they have a scam going. Ca n't pay online, then when I do pay, it will be three days before the payment shows up. This is predatory lending at its finest. I want my interest back that was accumulated from XXXX XXXX - XXXX XXXX, 2017/ XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Delta Management Associates, Inc.
State: MD

Complaint narrative:
I have been repeatably contacted by Delta Management Associates to collect a debt by a employee of theirs. They have called at least 1 time per week and now have faxed me.
They have now sent a fax telling me to garnish the wages of a employee of ours. They mention US code, and upon calling them they told me that our company would be in breach of law by not abiding by this. This is a fraudulent activity for which they should be warned.

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 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
In XXXX 2017 I filed a dispute of an item on my credit report with Transunion. I provided documentation which proved that a collection did not belong to me and Transunion removed the disputed item from my credit report. A week later I discovered through the TransUnion website that they had lowered my credit score. The reasons for the scoring were contradictory. On the positive side they claimed I had no collections, that my debt ratio was perfect and my payment history was perfect. On the negative side they claimed I had too many collections and past due payments my debt ratio was too high and the age of my accounts was too recent.
When I called to find out the reasons for the discrepatencies they told me that the score on line is not my real score and that I would have to pay to get my true credit score. When I told them that they had raised my score last month and I owed more and had the incorrect collection yet this month they lowered my score even though I owe less and the collection was no longer listed they told me that the scores they give for free and the scores they give when I pay them and the scores they give to potential creditors are not the same. They also refused to transfer me to a manager for clarification. I feel that TransUnion is intentionally providing fake score on their website in order to force people to pay for an accurate credit score. In addition, the measure they use to determine credit scoring is arbitrary and biased. I feel TransUnion uses bribery in order to sell scoring products and also practices discriminatory scoring practices.

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 2017-07-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Numerous attempts to send documents to the company. They lose the documents each time and say to send them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
A loan modification application was submitted to Ocwen. They sent a letter on XXXX XXXX stating that they were reviewing the application, but there is a foreclosure sale coming up on XXXX on the property. That is clearly a Dual Tracking violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
I received a bill in the mail from Jefferson Capital Systems , LLC Collections on X/XX/17 to try and settle for a debt that was originally owned by XXXX XXXX XXXX ( original creditor ) that was reporting negatively on my credit reports with XXXX, XXXX, and XXXX. XXXX XXXX XXXX took this negatvie collection reporting off of my credit just recently. I have disputed this with XXXX XXXX XXXX before. I am a victim of identity theft and I do not recognize this alleged debt of {$460.00}, # : XXXX I am disputing the validity of this debt that Jefferson Capital now has and that I am a victim of identity theft. This alleged debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX, 2017 I had checked my TU credit score whether I saw there are a few non authorized inquiries in my credit report, which do n't show on my other 2 reports. I contacted XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, all to get the run around on this issue and my other issue. My other issue being that I could n't log into my TU account to check to see if anything else was there that I should see. I was connected to reps and a supiervuour that all gave me the run around on both situations making them no help.

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 2017-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank, credit issuer for XXXX Credit Cards, called someone at home who was not the debtor, guarantor or otherwise connected to the delinquent credit card account. The debtor has never lived at the address called or the phone number contacted. Comenity Bank therefore conveyed private debt collection/credit information regarding consumer debt to the wrong party, not the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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 is incorrect
Company: Accurate Background
State: TX

Complaint narrative:
I had a Motor Vehicle Record background check performed by Accurate Background on XX/XX/XXXX for a promotion I am in line to receive at XXXX. During the check my license was suspended due to a clerical mistake by the Department of Public Safety. I had paid a surcharge off in full but they showed that I still owed {$21.00}. This was due to a discrepancy with a " convenience fee '' when paying online and was of no fault of my own since I had paid the total amount owed. The MVR background check came back showing that my licence was suspended even though I had contacted DPS and had the problem corrected. My license is current and valid now and I want the MVR background to reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XXXX XXXX 2017, I processed an end of lease purchase in the amount of {$17000.00}. The contract obligation was for {$15000.00} with sales tax of {$1000.00}. When I finally received the title 2 weeks later and attempted to process a PA title transfer I was told I needed to pay sales tax as Chrysler had not paid it to the state of Pennsylvania. Here is when the nighmare begins. I have contacted Chrysler Capital/Santander almost daily since XX/XX/XXXX trying to have them take accountability for the whereabouts of what is essentially an overpayment of {$1400.00}. No accountability. No ownership. I submitted a written complaint to the Office of the President on XX/XX/XXXX and since then I 've had nothing but " pass the buck '' unaccountably. I was finally told on XX/XX/XXXX ( albeit 48 days since my formal inquireies commenced ) that they " misquoted my payoff tax for the state of NJ and that the accounting department was trying to figure this all out. '' I live in Pennsylvania. As I attempt to uncover the mysteries of what happened to the {$1400.00}, I am constantly volleyed between customer service reps. Managers and executive in the office of the president are " not at their desks '' when I demand escalation. I 've called daily since XX/XX/XXXX to check on the status when the reps tell me they will call me back and never do. Each time I get a hold of my inept " case manager '' as he apologizes profusely for not calling me back and constantly states " we are working on it, '' or " its stuck in accounting '' and when I press for escalation I get " my manager is away from her desk. '' My frustration grows daily over the gross inadequacy of this company. All I 've been asking for is a resolution to this matter and all I seem to get is a dead end.

Company response to consumer: Closed with monetary relief