vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX erroneously reported a debt with XXXX XXXX XXXX for {$830.00}. I have never had a loan nor received any money from this company. This has adversely effected my credit. I want this removed from my Trans Union and XXXX credit reports as soon as possible. Furthermore, I 've never received any correspondence that would have given me the opportunity to dispute the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: LA

Complaint narrative:
On XX/XX/2017, I received an email from Nelnet stating that I had a payment of {$6500.00} due tomorrow that was scheduled for automatic payment. I logged onto my account online and requested to cancel the autodraft. I called Nelnet customer service to confirm the autodraft and I was assured that it would not likely go through. I also called regarding my income-based repayment application status, assuming it was not approved. I was told I still needed to pay for the {$5.00} fee. I was told I 'd be transfered to XXXX, but was hung up on. After being hung up on, I called again and was advised to call Nelnet the following day to get in touch with the XXXX. 

I called them and they told me that the {$5.00} fee they were expecting from me was actually already paid for. We also discussed the returning of my {$6500.00}. I was told by XXXX that she would send my case to her supervisors along with the phone call with Customer Service for review. Today, I was told that the customer service representative never even discussed getting my debited money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX PA XXXX EQUIFAX XXXX, GA XXXX XXXX CREDIT FILE : XX/XX/XXXX Notice of intent to file Complaint To Whom It May Concern : I have been in contact with the Equifax since XX/XX/XXXX, This letter to formally inform you that I have filed complaints against you municipal court of XXXX. 
I have sent you a copy of my creditor that these files have to be removed. 
Items 1. XXXX # XXXX 2. XXXX # XXXX 3. XXXX # XXXX Has been reported in XX/XX/XXXX and XX/XX/XXXX 1. Under the state of Massachusetts law, the duration of the item remaining on credit report is 5 years. Today is XX/XX/XXXX, way past 5 years. 
My current state of PA is 4 years. 
2. Under Massachusetts law, the credit reporting agency must verify and have letter of verification see the attachments from MASS.GOV in the attachments 3. I also submitted a letter from the department of education that you did not verify the debt. 

Failure to comply with these state and federal regulations by credit reporting agencies is a violation of the law. ( see 15 USC 41, et seg. ) My question to you how you verified these accounts belongs to me. If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? What is the position of your employee that spoke to the creditor? I have clearly asked to respond with 15days. Please see the attach document from the department of education, that asking you to delete the disputed items. Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I am paying XXXX a month for my navient student loan ( I have about XXXX that each have a 10 % interest rate ). I have called this loan company many times to try and change the length of the payment. They will not do anything to help. I also have sallie mae student loans which I owe XXXX a month and they will not help with my payment plans as well. I am drowning in student loan debt. I also have federal student loans. I am paying over XXXX a month in student loans and no one is helping me and these private loan companies do not accommodate my financial situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
in CFPB XXXX ... CENTRAL FINANCIAL CONTROL SENT A FABRICATED FALSE RESPONSE.CFC SAID I WAS NOT COVERED BY MY 100 PER CENT COVERAGE INSURANCE. 
I HAVE ATTACHED MY COBRA POLICY PAYMENT CASHED BY MY EMPLOYER ON XX/XX/XXXX.I HAVE ENCLOSED A BILLING SHOWING THE SERVICER RETURNING CHECKS TO XXXX.I HAVE A BILL FOR XXXX THAT WAS NEVER SENT TO THE INSURANCE BY CFC 'S CLIENT. 
ONCE AGAIN I HAD 100 PER CENT COVERAGE FOR XXXX THAT YOUR BILLING DEPT XXXX. 

CFC BY REPORTING TO THE CREDIT BUREAUS IS DAMAGING ME WHILE I TRY TO GET A MORTGAGE. 
THE RESPONSE TO THE PREVIOUS CFPB INVESTIGATION SHOULD HAVE BEEN TO DELETE REPORTING TO ALL CREDIT BUREAUS FOR THEIR NOW WILLFUL ERROR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Auto Trakk, LLC
State: SC

Complaint narrative:
On XX/XX/2017 I made a complaint with CFPB concerning Auto Trakk. I also sent them a certified letter and disputed with all XXXX credit bureaus. Their response to my complaint was as followed " Auto Trakk, LLC 's records reflect all appropriate notices were provided to customer both pre and post possession of the vehicle the customer leased. '' That is not true this company is re-ageing an account and is not validating this debt which is against FCRA. I have attached a letter I received from Auto Trakk asking for my social security #, address and phone number. So what information is they sending to credit bureaus???? If this account is removed from all XXXX credit bureaus IMMEDIATELY, I WILL SUE!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
This sloppy collection agency retained by XXXX is attempting to collect a petty debt in the amount of {$5.00}. The attached scan copy clearly shows that this was PAID by XXXX in the amount of {$5.00} on XX/XX/XXXX, further, it will show an EOB for a office visit on XX/XX/XXXX, the claim was underpaid by XXXX for {$5.00}. The claim was reprocessed on XX/XX/XXXX for the additional {$5.00}. I notified this medical group NUMEROUS times, always, being reassured that it would be taken care of!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I received a phone call from XXXX on a debt that they purchased that I had defaulted on. The man 's name was XXXX and he was threating to have me thrown in jail for e-signing a bad check to them, that if I did not give him my credit card information right now then they would contact the solicitors office in my county and have me put in jail for XXXX dollars a day until the debt was paid. I have never had any interaction with this company and they purchased the defaulted debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: FL

Complaint narrative:
I was on an income based program and when my income changed due to being laid off at work, I filed the necessary paperwork with the lender. I received a letter stating I did not need to make another payment for one year. One month later, I received a bill and called to inquire. Customer service stated they would request an investigation and I would receive a letter in the mail. I never did and each month I would receive a bill and I would handle it the same as prior months. The third phone call, the customer service person stated he could see the two previous request for an investigation and that nothing was ever done with them.My request for a written explanation was ignored and ACS Education Services ruined my credit. They refuse to put any explanation in writing and how they can issue a letter that no payment is necessary for the next year and then send a bill is confusing. The initial bill was for XX/XX/XXXX ; which XX/XX/XXXX payment was made and on time. Once I submitted the letter from my bank and their own email confirmation of that payment, they said that was a mistake the bill was suppose to be for XX/XX/XXXX. This has been the pattern or they loose documentation that you file with them. They should provide a written explanation and admit they failed to notify me at the time of my submission of financial documents and work to resolve this issue. I spoke to a gentlemen at the US Dept. of Education who provided me with an email address to contact the department at ACS that completes the investigations. He said they should contact me within 7-10 days, that did not happen. I sent and email and although I received an automated response on XX/XX/XXXX, I have yet to receive anything else from ACS. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Omega RMS, LLC
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Omega. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Omega in regards to this matter. The FTC also instructed me to complete anid theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: AFNI INC.
State: PA

Complaint narrative:
repeated phone calls on sunday. late in the evening. i always tried to make arrangements for payment and i was told it was not acceptable and i had to come up wiyh more money than i had.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
I was a resident at The XXXX on XXXX XXXX XXXX in XXXX, XXXX XXXX from XXXX XXXX to XXXX XXXX. All rents were paid on time. I submitted my intent to vacate by certified USPS letter and my apartment was surrendered back to the care of management in the same shape it was when I commenced my tenancy. Despite this, management reported an {$86.00} debt to all credit bureaus. The XXXX XXXX management has thus far failed to produce any evidence supporting their claim. I sought the help of the MS Attorney General Office to resolve this, although The XXXX agreed to remove debt from credit report they have yet to do so. The MS Attorney General Office has advised me they can not assist further with this.

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 2017-03-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX HAS INSTRUCTED A 3RD PARTY TO PUBLISH A DEBT THAT IS NOT LEGALLY OWED. This is a Violation of the FDCPA and contempt of Court of the Federal BK Discharge. That XXXX has instructed a 3rd Party to POST ONTO MY DOOR THAT I OWED MONEY OF {$650000.00} when I do not. They have caused to tarnish my reputation, Cause Slander to my Title and this is libelous. They had instructed an Auction Company named as Quality Loan Servicing to Publish this Debt as owed - They instructed XXXX as Attorney 's to Publish a Debt that they knew was no longer considered as owed given the discharge. Then on top of this - during a work out request had wrong figures from prior - during an open dispute acknowledged the dispute ; moved to set a Sale Date by Posting NEW FIGURES AS CLAIMED AS OWED. This is not true this is illegal collection practices. There is an open CFPB Complaint at this time on XXXX for having not credited principal payments made prior to this entire fiasco with XXXX. XXXX has an open dispute since XX/XX/2017 and however during this open dispute since prior to this date - XXXX went behind my back to file a Sale Date AND POST AND PUBLISH FIGURES THAT I DO NOT LEGALLY OWE AND WRONG FIGURES from priorly been claimed pre-bk. That this is tarnishing my reputation and against the FDCPA given that IF they are claiming a power of Sale then they can not make up numbers being owed that are not owed. They can not claim ANY Debt is owed and Can not continue to harm me in this false and illegal claim that violates the discharged figures. This is absolutely causing harm to my well being and has caused immense harm. The unfair business practices are non stop. XXXX failed to provide my mailing to the 3rd party so that this caused the posting to be published in a XXXX page separately posted to further cause embarrassment and ridicule. Posting a Sale and making False Claims. This caused the 3rd party to PUBLISH INTO THE XXXX NEWSPAPER THAT EXACTLY WHERE MY CLIENTS ARE LOCATED. THIS IS RUINING MY BUSINESS PROSPECTS AND FURTHER PUBLISHING A DEBT CLEARLY NOT OWED. 
This firm has been non stop burying me in paperwork. IN the meantime - The Debt being published claims I owe : {$650000.00} when I dont legally owe this. This is Illegal to publish this as a debt owed. These are slanderous and libelous acts to cause harassment. Their has been no good faith efforts by XXXX NOR XXXX. This has been extensively cruel, abusive and illegal. The facts remain that this shoddy servicing has only caused harm to my property, my property rights, interfered with income and reputation on every scale. During an open review they posted and published this and have continued to act in deceptive ways to cause me harm to my well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
resurgent capital services sent me only a summary of debt. I requested from them according to the FCRA section 609 the original documentation with my signature on it about the negative item which was reported on my credit report. They must delete this item by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MARQUEE MORTGAGE
State: TX

Complaint narrative:
A former employee, forged money orders from consumers using her as the loan officer in the US XXXX XXXX of XXXX XXXX. We have been able to track down $ XXXX worth of forged MO. The individual also took cash form other consumers. The loan officer befriended the customers and got them to take her blank MO and told them she would take care of the services and pay with the MO. She forget the MO to look like it was used for the service but cashed them for her personal use.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Mobiloans, LLC
State: VA

Complaint narrative:
I would like to make a complaint against Mobile loans. I have paid this company over {$3000.00}. I am being charged a fixed amou t of {$73.00} every two weeks. I have co tacted this company to request a deferment or a settlement. I am drowning with these online lenders requesting help. All.of my payments are being applied to i terest

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2017 at XXXX my Paypal account was permanently limited because of an eBay store listing regarding a skin cream. Paypal does the payment processing for my eBay store and now supposedly micromanages what I can and can not sell on eBay. The reason I was given for my account permanently limited was because I can not sell a certain skin cream. There was no warning given and now Paypal decides to hold {$1600.00} of my funds on the account for 180 days. There reason for holding the money was to make sure there was sufficient funds in case of any customer charge backs. I have very few customer charge back and I do n't think holding that high of an amount is appropriate. Currently, I have {$1600.00} that Paypal will not allow me to transfer to my bank account and they are ignoring my inquiries as well so I have nobody to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Equifax to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Equifax and the ignored it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I am a new home owner. My mortgage is {$830.00}, I Paid my mortgage through XX/XX/2017 in by XX/XX/2017. I signed into my mortgage account online and made a payment for XX/XX/2017 mortgage on XX/XX/2017, it cleared XX/XX/2017 through my bank. I thought that I was good for XX/XX/2017. After the XX/XX/XXXX mortagege cleared, they configured XX/XX/2017 payment which is {$910.00} and pulled it on XX/XX/XXXX instead of XX/XX/XXXX. They justified it by saying that I gave them autopay permission. So They will take that XX/XX/2017 payment 30 days early. They cleaned out my checking account and stated that if the check doesnt clear they will be resubmitting for the {$910.00}. Are you kidding me? I am not a time traveler, I havent lived in XX/XX/2017 yet so the bill is not due. I asked them why dont they take XX/XX/XXXX through XX/XX/XXXX in XX/XX/XXXX too? I dont owe them any money but they insist that they will present XX/XX/2017 mortgage again for payment if the funds dont clear. These people are vampires! They are monsters and they dont have any respect for the american consumer. I am a new home owner and I have been thinking ahead to stay current. I have never been late. 
I am a normal person and they took {$910.00} from my account on XX/XX/XXXX that was not due for 4 weeks a week after I paid them {$830.00} that they were due. They insist that they are correct for taking that XX/XX/XXXX payment 4 weeks early because I gave them autopay rights. {$1700.00} in one week. My budget is destroyed. How am I supposed to be responsible for my other bills when NationSTAR just took all of money plus the over draft?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Acceptance Corporation
State: FL

Complaint narrative:
This is not a ligament claim for a wellness.program as they are claiming. That was paid in full they took all payment on my credit card which they had on file with my permission to do only, but a bill for vet. services that resulted in a loss of a pet during XXXX due to over satiation thus XXXX procedure. What they are trying to collect now is the main vet. bill. 
Procedure took place in XXXX 2014 and is just now being addressed on my credit as outstanding debt/collection not valid collection. 
This matter needs further investigating. 
Please advise a.s.a.p. as to what is being done. 
I have already put in a dispute and have not heard anything as of yet on this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response