vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Dear CFPB I was notified on XX/XX/25 via an alert on my XXXX that a new collection was added to my credit bureaus. I have no knowledge of this account and possibly is a part of my identity theft. My name and credit information has been used with opening of accounts that I have no idea of. 

I am asking that you please step in to assist with the removal of this erroneous information and they delete this negative tradeline immediately. It is listed on XXXX, XXXX  and XXXX. My credit is important to me. I have attached a letter. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$2400.00} on the XXXXXXXX XXXX   XXXX XXXX  XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2400.00} on the XXXXXXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I purchased a truck on XX/XX/XXXX. I reviewed the loan application submitted and it clearly states that my mailing address is XXXX XXXX XXXX in XXXX NY XXXX. We received all written paperwork from GM at that address through XX/XX/XXXX. 
A repossession took place on XX/XX/XXXX, I contacted GM on that date to clear this matter. I asked why the repossession had occurred. I was told that payments were late and all mail concerning the late payments had been returned to GM. I told the representative that we did not receive any correspondence and asked what address had the notices been sent to. I was told XXXX XXXX XXXX. I asked why the address was changed from XXXX, she said someone must have changed it. I asked her to review her records and tell me who and when was this change authorized. She said she couldnt tell, maybe the post office changed it. At that point I decided not to pursue with customer service, my main concern was to just get the truck back. I would contact GM Financial later. 
I have also contacted their customer service department two more times, XX/XX/XXXX and XX/XX/XXXX notifying them that I have not received my monthly billing statement. The second time I was told the switch had been turned off, she would correct and I would start to receive again. I have not received this either. Prior to XX/XX/XXXX I received the billing statement each month. 
I did contact GM Financial on XX/XX/XXXX. To date I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
A company called XXXX XXXX called me and said they could forgive my student loans if I signed up with their service. I did and I started paying them and all of a sudden i start getting letters from Navient saying they are my loan servicer. I do not know how my federal student loans got transferred to navient without my knowledge. I did not get any notice or sign any authorization to transfer my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: LA

Complaint narrative:
REVIEW DOCUMENTS ATTACHED : XXXX  denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.

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 2019-11-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
REVIEW DOCUMENTS ATTACHED : Navient denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2019 I contacted Bank of Americas Government Prepaid Debt Card Division for NJ to replace a card which they stated they would send out Express for a fee of XXXX but I have received the card. I called today XX/XX/2019 and it was confirmed it was shipped standard.

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 2019-11-27 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: OH

Complaint narrative:
I have a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/19 XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc.
State: SD

Complaint narrative:
I keep seeing XXXX XXXX  on all 3 credit report, that was in my dead fathers name and they think since i lived there i owe !!! No i do not! I also see another account from XXXX XXXX or XXXX this also is my fathers, these 2 accounts are suppose to be in his name not mine!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: CA

Complaint narrative:
On XX/XX/2019, a dispute was sent to Experian for a fraudulent credit inquiry and employment information. Experian responded and although the fraudulent inquiry was removed from the report, the fraudulent employment information still remains.

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 2019-11-27 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$2400.00} on the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$2400.00} on the XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHS, Inc.
State: OR

Complaint narrative:
SCA Credit Services, is trying to collect the PPO discount amount from medical bills that were paid in full. We have repeatedly sent Explanations of Benefits with the claim numbers showing that the claims were paid according to the agreed upon discount between the provider and the insurance company. 

SCA Credit Services, XXXX XXXX XXXX XXXX, XXXX, VA XXXX In regards to : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX In looking through the documents I'm finding several different account numbers. Maybe this is adding to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: AZ

Complaint narrative:
I was told by Navient customer service on different telephone calls that per my situation, a forbearance was something I could utilize as I wouldn't pay anything during the forebearance. It was not made clear that interest would continue to accrue nor was I provided the amount of interest. On XX/XX/2019 in my telephone conversation with Navient I was told that principle would be paid off as well as interest on my loan of {$78000.00}. When I looked on the Navient website today my total loan amount is {$78000.00}. When I agreed to the current pay-off plan of 8 years I was told the {$680.00} would not only go to interest but to principle as well. This has not been the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resolve Partners, LLC
State: NC

Complaint narrative:
Wednesday, XX/XX/XXXX, On Wednesday XX/XX/2019 a calls came to my job from Resolve Partners , LLC due to alleged negligent account, which resulted in conversation with my superior telling me no personal calls on the production floor. In speaking with several representatives ( XXXX. & XXXX XXXX, Collections supervisor @ XXXX ), I found not only were they combative, After multiple times being placed on hold, It is clear that Resolve Partners , LLC has never been held accountable for the impact of employee error on customers, misleading credit reporting, unethical collecting and deceptive practices. In fact, on the call i demand a supervisor name and XXXX XXXX provide Business overall Manager XXXX XXXX XXXX XXXX representative failed to issue a mandatory stop calling work place on XX/XX/XXXX, they called back into the office.The abuse of practice is a direct violation of the FDCPA Regulations Therefore, this is a formal complaint to make notice of the following : employee negligence, misleading credit reporting, unethical collecting and deceptive business practices. 

Due to the harassing calls made by Resolve Partners my livelihood has been drastically impacted and it is my hope that your compliance with this request is swift and efficient according to the statutes of the FCRA. 


Your time and attention to this matter is greatly appreciated. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
We did a refinance with Loan Depot. We signed on XX/XX/19 and we closed with money funded on XX/XX/19. Our current mortgage has yet to be paid off. I have been in contact with the company on numerous occasions and keep getting excuses. They are telling us that the title company is delayed and they are shortstaffed, etc. This is unacceptable. It is been over two weeks and our current mortgage should have been paid off. The money has been funded since XX/XX/19. As per their own policy, the current mortgage and disbursement of cash should be done within five business days. It is now been almost 10 business days. We have not made our XXXX mortgage payment because we closed in the middle of the month and the mortgage shouldve been paid off ( and Loan Depot advised us not to ).  Now loan depot is telling us we have to make the XXXX mortgage payment because they wont payoff the current mortgage today. In addition, because the mortgage payment is late, there are late fees associated with the payment. So that means, by us making the mortgage payment this month, we are losing money on this refinance deal, the cost of the mortgage payment, because we have to come out of pocket. Also, the current mortgage payoff has expired and now they have to obtain a new one! I will absolutely NOT recommend this company to anyone! We are very disgusted with this company and their unprofessionalism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I placed a FHA streamline refinance application in with Quicken Loans. Up until Friday XX/XX/19 there were no talks about how they can not proceed with my application. I was advised by XXXX that they could not proceed with my application becauase they pulled a FHA case number before they confirmed I made the 6 month payment. This was escalated up to their Director XXXX XXXX. Quicken loans refused to contact the FHA and request for the process to have their FHA case number canceled and order a new one. XXXX states in the past they have not been able to do it. I informed XXXX that I am in XXXX with a mortgage company and htis can be done, and we do it all the time when we make this error. I took it a step further and reached out to FHA to confirm and forward the email from the FHA associate with the directions on how to get this done. He still refused and said there is nothing they can do. I advised him that I feel that I am being discrimitated against since I escalated my complaint and now they do not want anothre bad mark on their company record. He said if that is how you feel. So I have wasted 3 1/2 weeks becausae of their error which they refuse to correct by contacting the FHA. They have make a hard inquiry on my credit which I can not get those points back which lowered by score.

Company response to consumer: Closed with explanation