vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 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: TX

Complaint narrative:
Someone used my information without my authorization to get a house or apartment and now they are coming after me and tarnishing my credit report. They contacted me from XXXX XXXX XXXX saying I owe {$3400.00} this is outrageous please 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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone used my information without my authorization to get a house or apartment and now they are coming after me and tarnishing my credit report. They contacted me from XXXX XXXX XXXX saying I owe {$3400.00} this is outrageous please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OH

Complaint narrative:
The company violated my rights under the fair debts collections practices act in that i have never received the following. 

No attempts or Notifications by mail in order to dispute their actions if any taken. 

Indicated on my credit reports that the debts was owed without my signature or original documentations that i agreed to a third party collections. 

The company went to XXXX and said that i opened an account with them which was a fraudulent and blatant Lie in order to collect an alleged debt with them. 

The company name is I.C. Systems XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX alleged amount owed XXXX ending account number XXXX I received this information by XXXX identity theft protection. 

My identity theft happened in this state of where government offices was notified by my affidavit of identity theft because someone has taken out credit in my name for houses and utilities. 

On XX/XX/XXXX i did not open or agree to them to collect any debts via 3rd party with them and only the originator of has the right to contact me not them. Deceptive tactics was used by then which is illegal. 
The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act

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 2020-01-16 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Per FTC sec 609 credit agencies are not validating my credit they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Per FTC sec 609 credit agencies are not validating my credit they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
In XX/XX/XXXX I consolidated XXXX XXXX total amount should have been {$14000.00} & XXXX XXXX - total amount should have been {$9100.00}. the amount are incorrect. Loans were return back to the loan servicer from the school. which for some reason it is still showing I own the amount tht was return. I have been trying to resolve this issue with no help from fed loan. I have filed some many complaints. And the amounts are showing on my credit report. I have reviewed, my student data report shows the loans amount that was return. but fed state they have no record of it. 

I have a XXXX XXXX XXXX for XXXX but my credit report shows {$12000.00} XXXX return {$290.00} back to the loan servicer on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered flowers on XX/XX/2019 from XXXX XXXX XXXX for my son and daughter-in-law 's wedding on XX/XX/2019 for {$750.00} to XXXX XXXX, New York. They were delivered as expected on XX/XX/19, but half were missing. Complained to Merchant who sent the other half that arrived on XX/XX/19. Some of the other half were the wrong color, 1/3 were dying. We bought more flowers in XXXX XXXX to get the right colors and made do. 
Received a phone call from my daughter-in-law on XX/XX/19 saying XXXX XXXX XXXX  called her asking if another order was made because flowers were being sent to Texas on or about XX/XX/19, long after the wedding. She told them no such order was made and then called me to inform me. I immediately cancelled my card and went through my statements. I found charges for yet another order totaling {$750.00} for flowers sent 1700+ miles in the wrong direction in Texas that were not ordered. Merchant had been given the correct address for the correct day, which is why we received the half order. We made numerous complaints to XXXX XXXX XXXX, started 2 Cases with Citibank and an appeal, provided papers showing the actual order date and address and yet my funds have not been returned. 
It has become quite obvious that Citibank has not done due diligence.

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 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2020 I was supposed to close my refinance with AmeriSave Mortgage Corporation NMLS ID # XXXX the day before they changed the final DC and increased it. They are having a bait and switch method to apply with them, lock the rate, sign everything and then increase the amount at the very end.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I am enrolled in the Public Service Loan Forgive was program now under REPAYE. My payment count has been adjusted - some loans same 84 payments- others 70s or lower. All were repaid at the same time and the counts should be equal. I have asked many times for a recount and after 1.5 years- it still isnt done. Second- there was an error on their end when resubmitting my IDR application on their end which they did acknowledge. This mistake though cost over 10K of interest being capitalized. They were supposed to fix that and still have yet to do that. 

Would be so grateful for any assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
In XX/XX/XXXXprestige auto fiance agreed to out us in what's called a fresh start program. This program offers our credit to reflect as current after five months of payments. They gave us the stipulation that we would pay on the XX/XX/XXXXof each month. We asked for a two day extension this month and they denied us ... .. The XX/XX/XXXXfalls on a non business day and Monday is a Holliday. They are threatening to send us to loss mitigation if we don't pay by the XX/XX/XXXX. They also asked for address of the car ... XXXX As if they were threatening to take the car on Monday. 

We've made our payments on time for the last three months. But, they said that we haven't been making our payments. My car is the only means I have to get to work. But, they threaten us every month.

We only have two months left on the program and then we are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have sent Navient numerous requests on how to handle my payments. Payments and overpayments are NOT being applied in the method I have directed Navient. I have tried to reach customer advocate without success on multiple occasions. 

Navient has lost my account history and has refused to provide my account history in a useful form ( xls, csv, or some other summarizable method ). They will only provide lengthy images ( unable to tabulate ) of my account history. This requires that I must enter tens of thousands of characters every month if I want to " check their math '' every month.

When I file complaints with the CFPB Navient marks the complaints as solved and no action is ever taken. In some instances directive is followed regarding overpayment, but such directive is often late. Plus I am infrequently notified of such actions. 

Communication with Navient is XXXX XXXX. I've left VM with my advocate, with the advocacy center in general, and I've emailed both too. I'm LUCKY to get any response at all. 

Other account holders are able to access their account history in a spreadsheet form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: MECHANICS BANK
State: CA

Complaint narrative:
This is in regards to my account with Mechanics Bank : Within the calendar year of XX/XX/XXXX, I was charged a total of {$4400.00} in NSF fees, and have already incurred {$260.00} so far in XXXX  of XXXX  ( and today is only XX/XX/XXXX ... ) Last year, I think my taxable gross income was only around {$50000.00}, so I have been drowning beneath these fees, and I can't seem to climb out of this cycle. I have had to continuously resort to high-interest payroll loans in order to try to keep my head above water, which obviously only results in more money lost. Every time I try to keep a safe cushion of money in my account, I end up falling behind and incurring more fees because I never seem to be able to catch up. I am always somewhere between 2 and 10 steps behind. It all started when I had a brief lapse ( about 2 months ) in full-time work back in late XX/XX/XXXX, and again around XXXX   of XXXX. Every time I try to crawl out of this and keep my bank balance positive, I've already got past due bill collectors biting at my heels. I have tried calling Mechanics Bank to ask them to please cut me a bit of slack, but they immediately tell me 'no can do '. 
Around XX/XX/XXXX, I downloaded the app 'XXXX  ' from XXXX XXXX, and they filed a claim for me, which I believe was supposed to cover six months of activity. XXXX  received no response from Mechanics Bank, and zero fees were refunded to me. I am at my wits end. I'm trying to rebuild my credit and avoid high-interest payday loans, but I am stuck in an endless loop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I checked my credit report and I have a collection account showing when I have perfect credit and pay everything on time and early most of the time. It seems to be a medical bill and I believe my information has been compromised or this is a flat out error on the credit bureaus behalf. Please help me remove this account { XXXX XXXX, XXXX } off of my credit report.

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 2020-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
DEAR : DEVILLE ASSET MANAGEMENT I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent account. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy.

I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : DEVILLE ASSET MANAGEMENT / XXXX XXXX  Opened : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX REF : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NE

Complaint narrative:
Please CFPB transfer the documents to Nelnet. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have been XXXX  for 20 years and I have tried several times to have my loan forgiven. I have provided the Dept. of Education as well as Navient ( Sallie Mae ) with the documents that was asked for to get this loan forgiven. I recently tried again because I have been in my current XXXX  position for 5 years. And still I am being denied. According to Navient, in XXXX I received a student loan. Not so, I was in high school in XXXX, therefore, I could not have had a student loan. This recent denial is based on that. I am highly qualified, I XXXX XXXX and I work in a XXXX XXXX XXXX. I currently owe XXXX, XXXX ( approximately ) and I should qualify for loan forgiveness. I have contacted them XX/XX/XXXX then again XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: CT

Complaint narrative:
I checked my credit report and I have a collection account showing when I have perfect credit and pay everything on time and early most of the time. It seems to be a medical bill and I believe my information has been compromised or this is a flat out error on the credit bureaus behalf. Please help me remove this account { XXXX XXXX XXXX } off of my credit report.

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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I checked my credit report and I have a collection account showing when I have perfect credit and pay everything on time and early most of the time. It seems to be a medical bill and I believe my information has been compromised or this is a flat out error on the credit bureaus behalf. Please help me remove this account { XXXX XXXX, XXXX } off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Corporation of America
State: OK

Complaint narrative:
Financial corporation of America. XXXX Tx. 
Had my medical bill information. Did not own my collection account. My account was never sold. Asked me to pay a higher amount of XXXX when I only owed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: PA

Complaint narrative:
Dispute with trans union regarding XXXX XXXX at XXXX I co-signed a lease for my daughter the beginning of 2018. She was going to start XXXX University XX/XX/2018. I already paid an application fee which was not returned XXXX XXXX was unprofessional and disrespectful to myself snd my daughter They said they could not uphold the lease because my credit score was too low. That should have been determined before they allowed me to sign the lease The {$710.00} is in error because my daughter never moved in nor ever saw the apartment. XXXX XXXX Received another resident who moved in that same apartment and paid the rent they are billing me for something to receive double funds which is fraudulent. When I inquired about this the girls at the front desk said it was to move out her things which she never moved in or to clean up the place and again she never moved in They were incompetent and unprofessional, threatening that this would be on our credit report. I want this removed from our report

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 2020-01-16 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: TX

Complaint narrative:
I have asked XXXX, Experian & XXXX  to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. 

I have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). 

I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! 

The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified. 

I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. 

I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.

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