vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc.
State: AZ

Complaint narrative:
My student loan is in default. My monthly social security check payment has been garnished ( 15 % of net income ), and income tax refunds for the last several years as well. Prior to being eligible for Social Security, my wages were garnished through my employer. For some unknown reason, F.H. Cann and Associates ( collection agency for XXXX ) began calling me at work through the school office ( I'm a part-time teacher ), and to date they have also phoned 3 co-workers at my school via their cell phones.

I have written and mailed a letter to both F.H. Cann and Assoc., and XXXX asking them cease and desist from calling my place of employment and co-workers, yet they continue to harass me. 

They have my current address and phone number, yet have not attempted to phone me or send me written correspondence. I have tried to reach them via telephone, yet when I call the telephone just rings and rings, and finally disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
First of all I did not even know who FSST Financial Services or 605 Lending. Apparently they go by both. I never applied for a payday loan. This company something is screwy because they knew about me. Then they tell me that they are above the law and threaten me. I never ever applied and I would never ever ever. Why would I when I just got out of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX # XXXX Beginning XX/XX/XXXX account shows in Collection. This student loan was deferred due to the serious illness of my son. The account is not in collection. It was deferred to XX/XX/XXXX. 
Also, even though this loan was deferred, I continued to make payments of {$220.00} each month. 

It seems wrong that this account would show in collection when it was deferred and I continued to make payments. It was never explained to me that if I deferred the payment the loan would show in collection. 

Thank you, 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 2019-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, as i'm driving i received a text from a friend who mistakenly received {$25.00} from me through XXXX. As i check my Chase account, there was a XXXX quickpay transaction for {$500.00} to an unknown person that was denied. I immediately call Chase Bank to inform them my account has been compromised. WHILE IM ON THE PHONE WITH THEM, i receive another notification that a {$500.00} transaction to another stranger was APPROVED, WHILE IM ON THE PHONE WITH CHASE informing them of fraudulent action on my account. I instantly make the claim for the {$500.00} dollar quickpay transaction that they APPROVED WHILE IM ON THE PHONE WITH THEM. 

I was informed that it would take 5-10 business days for the claim to process and if there was any updates, i would be contacted about them. Almost 15 business days go by so i decide to call the bank. They finally informed the claim was denied. NEVER contacted me through email or phone. The notes on the claim were that the transaction was approved because " these transactions were approved by me or someone i know ''. They could not provide the device ID, the ISP or any conclusive information. 

it is 2019, it is not unfathomable to think that my account can be hacked remotely and give the impression that these actions were done by me, that is the whole premise of hacking/fraudulent transactions. Chase is denying my claim although they can not provide anything tangible behind why they are denying it. They tried to claim my computer was hacked, even though i own a company encrypted laptop with antivirus protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I have worked with Loandepot for refinancing. I have provided all documents to them and got their final approval. So we are working on closing disclosure and scheduled an appointment with title company to complete the document. When I was heading to title company, Title company said it was canceled. I was trying to reach out with LoanDepot for the reason but my contact and her supervisor can not reach even I left voice message or Email. So I don't have any visibility on my refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: ME

Complaint narrative:
I co-signed for a {$1600.00} loan for my daughter back in XXXX I believe, she consolidated this with another loan of {$16000.00} and they are saying I'm now responsible for {$19000.00}. I didn't consolidate this loan. They have all of my information which my daughter has access to. I was informed that I would have to take action against my child or pay the bill. It is not my bill to pay. I would gladly pay the {$1600.00}, but I'm not sure how it can be legal for them to force me to pay after the interest almost {$40000.00} in student loans that are not mine. I didn't even know this loan existed until XX/XX/XXXX when it showed up on my credit report when I was going to get a home equity loan. It was not on my credit report when I refinanced my house in XXXX. I find this to be a bit sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I WANT TO SAVE MY HOME I AM BEING PLAYED WITH IF THE LENDING COMPANY DOES NOT WANT TO HELP AND TAKE RESPONSIBILITY THEN I NEED TO SEEK LEGAL ADVICE FOR FILING BANKRUPCTY! THIS LENDER HAS BEEN PLAYING GAMES WITH THE MODIFICATION SINCE LAST YEAR AND IT ROLLED OVER TO 2019 I JUST WANT MY MODIFICATION PLEASE STOP! I HAVE ALL THE RECORED CONVERSATIONS WITH SUPERVISORS -MANAGERS AND THEY EVEN SAID THAT A NEW TRIAL MODIFICATION WILL GO OUT

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 2019-10-24 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. Those derogatory accounts do not belong to me and I have no Memory of those accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2019-10-24 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. Those derogatory accounts do not belong to me and I have no Memory of those accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 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: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-10-24 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
In checking my credit history, the company Progressive Management Systems ( Debt Collector ) is continuously falsely reporting a collections account against my name. I contacted the debt collection agency and spoke with three different representatives ( XXXX, XXXX, and Unknown ). The XXXX representative said I owed a debt to XXXX 's XXXX XXXX XXXX in XXXX XXXX, California and the date of service was on XX/XX/2014. In my credit history the collection amount is {$420.00}. I called XXXX 's XXXX 's XXXX to confirm the date of service, and asked how much the debt owed was and who was the guarantor for the bill. The bill reported by the representative from the billing department at XXXX 's XXXX 's XXXX said the guarantor for the bill was for someone else and I was not listed as the guarantor for this bill, which also they stated the original bill amount was for {$310.00}. The XXXX XXXX XXXX is falsely reporting this on my credit history when I was never the guarantor for this bill and refuses to stop reporting this against me, as they are unable to collect the debt from the official guarantor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I am a XXXX veteran, and whenever I was overseas in XXXX, this company hounded me to pay on my autoloan. They kept making threats while I was overseas for an old autoloan i no longer have with them. Now, for some reason, I have a new autoloan with them. But this time, i am not overseas. But now my complaint is their high interest rates on their autoloan that i have with them. I really hate the fact that they hounded me overseas while I was fighting for my country. With the current autoloan interest rate, there is no way for me to keep paying this high car payment every month. Could you get them to lower the interest rate? If not, I will move forward and try to find someone else and let them repossess the vehicle and sue them for hounding and harassing me while I was overseas in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDICO. INC
State: OH

Complaint narrative:
First and foremost, the gentlemen that I spoke to was kind, courteous and professional. My compliant lies with what may be a poorly created policy or maybe the agents were trained to deliver the policy. When I spoke to the agent, I asked what could be done on mine and my husbands accounts regarding payment. I was provided a three month payment plan for both accounts. I stated I was unable to make those payments, but could pay {$100.00} a month on both accounts and pay off in five months or less. I was advised that the system is only set up for three, six, nine, or twelve month payments so that the balance would pay off in full accurately. I was then asked to complete an application to see if I was eligible for one of these payment options. I agreed. When it was time for payment, I was asked if I had my checking account information, I did not, I had my debt card. I was then told since I was paying with my debit/credit card, I could pay however much I wanted today, but would not be able to set up automatic payments. That automatic payments are only possible with checking accounts. I was able to pay {$100.00} on my husbands account, but due to system processing, I was unable to make a {$100.00} payment on my account at that time. 
This was deceptive. I was lead to believe that I HAD to complete an application to see what other payment arrangements were available. I was lead to believe that these would be the only options. The truth was, I was able to pay {$100.00} a month, but I would have to call in each time to make the payment because the systems are not set up to process debit/credit cards. I provided information that was not necessary to process payment/s that I had already stated I could make.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-10-24 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: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My student loan is in default. My monthly social security check payment has been garnished ( 15 % of net income ), and income tax refunds for the last several years as well. Prior to being eligible for Social Security, my wages were garnished through my employer. For some unknown reason, XXXX. XXXX and XXXX ( collection agency for Navient ) began calling me at work through the school office ( I'm a part-time teacher ), and to date they have also phoned 3 co-workers at my school via their cell phones. 

I have written and mailed a letter to both XXXX. XXXX and XXXX, and Navient asking them cease and desist from calling my place of employment and co-workers, yet they continue to harass me. 

They have my current address and phone number, yet have not attempted to phone me or send me written correspondence. I have tried to reach them via telephone, yet when I call the telephone just rings and rings, and finally disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 2019-10-24 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2019-10-24 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: OH

Complaint narrative:
Tried getting access to credit report. keep getting error.

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