vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
I was contacted by mail in  XXXX     2017  about a debt from  AFNI, INC. I called AFNI, INC. and they confirmed it is associated with a different person with a different SSN.      I asked that they remove my information from their records and that they not report this to the credit agency. I asked because this is the third debt collection agency that has tried to collect this debt, confirmed it was not mine, and then still reported it to a credit agency.     After explaining this, they assured me the debt would not be reported since it is not mine. On   XX/XX/XXXX  , the debt was reported to  XXXX  as an unpaid debt. I am now going through the process of disputing this debt ( for the third time ).     Attached is the original letter received fr om AFNI, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a promotional offer for m Citi Aadvantage pro gram that incudes  XXXX  promotional miles. I called to confirm that I will receive the miles and was told yes.   Then, 3 month later, when I met the requirements of the promotional offer, I was told I will not receive the miles.

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 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
A review of my credit report showed a collection account by  Diversified  dated in   XX/XX/XXXX .  I have never had any contract with  Diversified Consultants  and my contract with  XXXX  was cancelled. I have disputed this with all   XXXX   credit bureaus on both  XX/XX/XXXX  and on  XX/XX/XXXX , and their response on my credit report is " Meets requirement of the FCRA ''. A letter was also sent via certified directly to Diversified on  XX/XX/XXXX  - their response was to mail me a copy of a  XXXX  statement of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: TN

Complaint narrative:
I applied for a rental apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX, Tennessee XXXX ( XXXX ) XXXX on XX/XX/XXXX, 2017 and was immediately denied. When I contacted XXXX XXXX XXXX, they told me they had no control over the matter and directed me to CoreLogic and their number is XXXX. I contacted CoreLogic and they told me there was a criminal record and I would have to dispute it and they could not provide me with any more information. I immediately disputed the issue and I have also faxed a copy of the dispute to Core Logic. When I contact them now, they say no information can be provided. This needs to be cleared up immediately. I have never had any criminal record and I have recently been cleared under a TBI and FBI background check for the XXXX XXXX I have taken with the  XXXX XXXX XXXX. This is obviously incorrect and this CoreLogic company and XXXX XXXX XXXX are using information against me that is libel information and I intend to pursue this until it is cleared up. Kind Regards,

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 2017-05-25 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: TN

Complaint narrative:
XXXX  and Experian are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted  XXXX   XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account 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 2017-05-25 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: TN

Complaint narrative:
Equifax and  XXXX  are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted   XXXX    XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello, I am writing to express my dissatisfaction with how Navient allows its customers to change their payment amounts. Recently I increased my payment amount to more than the minimum payment, however following a restructuring in my pay I wished to change it back to the minimum payments. When attempting to this online, I found that I was unable to change the payment amounts. There was no method to either increase or decrease my payment amounts. Once I was able to speak to a representative ( Navient Company ID : XXXX ), she said " The system wo n't allow me to change the amounts, we will need to put in a request to have the amount changed. '' When I asked if I could de-enroll in auto-pay and then change the amounts she in informed me that I was receiving a .25 % lower rate for using auto-pay. She informed me that the matter should be resolved by XX/XX/XXXX, and that my XX/XX/XXXX payments should be at the lower amount. I asked for that in writing so I could have a record, and she informed me that they could not do that until the matter was resolved. In the past, I 've found Navient 's promises to be empty and I do not see '' Should '' statements by Navient employees as being worth the breath to speak them. So my options were to hope that the matter was resolved and I would not be over charged on my XX/XX/XXXX payment, or I could de-enroll in auto pay and have my rate increased. It sounds like no real good option for me the customer. I am not asking to pay {$0.00}, I am asking to make the minimum required payment. I feel I should be able to adjust my payment amounts up or down in the same way I can easily do with my personal bank and personal credit cards ( which I can adjust simply and easily to allow for peace of mind and flexibility to go with my unique income situation ). Navient unnecessarily obfuscates and purposefully creates complicated systems to take advantage of people like me who are struggling under the burden forced upon him by the education system and predatory companies like Navient and XXXX XXXX. I am upset that I do n't know the status of my payment next month, that I can not budget around other bills, rent, food, etc because of an over complicated system forced on me by a company trying to take advantage of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: MD

Complaint narrative:
I was XXXX from XXXX XXXX until XXXX XXXX. During that time, a relative used my personal information to obtain credit, goods and services in my name. There have been car loans, bank accounts and not so successful attempts to get a mortgage. I have been pretty successful in providing documentation to creditors and debt collectors listed on my credit bureaus and subsequently having the negative information removed. Except the following two companies. Receivables Management Systems Account Number : XXXX This company is collecting for XXXX XXXX, a express medical facility. I have been able to provide significant information that proves that this debt was not incurred by me. I provided all of my records from the XXXX XXXX XXXX here in Maryland which lists the date I began my XXXX to the day that I was released. Since XXXX, I have left voice messages for a supervisor named XXXX, who never seems to be available when I call him. I have had better luck speaking with a representative named XXXX XXXX, but even then she is limited in what information she can provide. When I last spoke with her on XXXX XXXX, she told me that the agency was waiting to find out from XXXX XXXX if I was serviced there as an XXXX - which I certainly would not be. I left another message for XXXX XXXX yesterday, after waiting a full two weeks and I still have not heard anything back.

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 2017-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XXXX XXXX 2017 a Short sale Offer and application was submitted to Chase Home Mortgage for the property at XXXX XXXX XXXX XXXX, XXXX, OR XXXX through the Equator system and it was received in that system. The Borrower for this property, XXXX XXXX, and I have continued to work with Chase Home Mortgage on the Short Sale offer since then. I have included the Equator pages showing the messages and requests back and forth between the file processor, XXXX XXXX, and me. All Purchase Agreement documents were submitted and received by Chase Home Mortgage by XXXX XXXX 2017. The completed application had been submitted previously and was accepted as complete by Chase Home Mortgage prior to XX/XX/2017. As a result of having received a completed application for the Foreclosure Avoidance option selected by the Borrower, a short sale, any foreclosure process should have been halted per Dodd Frank regulations regarding the process known as " dual tracking ''. This process is also not permitted under State of Oregon regulations as well and a complaint has been filed by me with the State of Oregon Department of Justice. The Borrower received, on XX/XX/2017, by legal process server, a notification of a pending foreclosure sale date. That notice is included in the documents I am providing to accompany this complaint. The sale date is now set for XX/XX/2017.
It is apparent from the document trail and messaging trail I have provided that Chase Home Mortgage is guilty of " dual tracking '' and is in violation of the Dodd Frank Wall Street Reform and Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TN

Complaint narrative:
The amount  Hunter Warfield cl aims that I owe is invalid. The machine that they charged me for was delivered and returned withi n 48 ho urs.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report This company is replied submitting false information to your organization I will attach additional proof from both  XXXX   XXXX  and  XXXX  submitted by them on the  XXXX  fo  XXXX   2017  That this is the correct company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
This company has called myself  1 time every six  months for the last few years. They are looking for a family member to collect debt from. I have no information on that person.   I provide our phone numbers and said not to call us every time. I tried to get information on how they got our information. They said something about skip tracing, I have no idea what that means.

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 2017-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX I bought a brand new XXXX from a Toyota of XXXX XXXX XXXX through Toyota Finance Service ( TFS ). The car turned out of a brand new - it is UNWIND. So I returned the car on XXXX XXXX XXXX because the dealership did not tell me it is UNWIND car for some reason. The dealership told me I should get my money back within 2-3 weeks and told me not to pay my second payment. On XXXX XXXX, I got a phone call from Toyota Financial Service ( TFS ) about my payment. I explained to customer that the deal was cancelled and I should got my first payment back. On XXXX XXXX XXXX, I got another call from TFS, I explained to her again, then the phone call was forward to Customer Resolution (? ). XXXX XXXX told me she will report to Credit Report as Volunteer Surrender within 24/48 hrs. I have asked her to call the dealer to confirm the fact. She told me she does not have their address and phone number. I have to provide that to her. This info should be in the loan docs. I have to search and provide her that. She told me to get the proof that the car was previous owned. I told her I dont have this information because at the end of XXXX, the dealership asked me to sign DMV paper again because I have not received the license plate. He asked me to sign a paper that stating the car was previously owned because it is UNWIND. I told him no and he left the office more than 10 min. so I left the dealership and then email my salesman that I want to return the car because it is not new for my son. My family is very upset that they sold me previous owned car. I have requested XXXX XXXX to email me when she will put bad credit report on my report. As of now, I got nothing from TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CO

Complaint narrative:
About a year and half ago, I took out a Personal Loan in the amount of {$3100.00} from XXXX XXXX, and my payments are {$350.00} a month. In XX/XX/XXXX, I called to discuss the loan and request a pay-off amount at that time over the phone I was quoted {$3100.00}. I asked the representative how that could be possible if I have been paying the loan on time every month for the last year and a half. The representative stated that when they provide personal loans they advise borrowers to pay more than the amount due in order to bring down the principal sooner than disclosed in the Schedule of Payments. At that specific point in time, I didnt have time or energy to research the issue any further as I was in the middle of selling my house, re-locating, and burying my parents. I called XXXX on  X/XX/2017 to obtain a new pay-off quote as now that all is settled, I would like to pay the loan off. When I spoke to Customer Service and requested a pay-off amount, I was quoted an amount of {$3200.00} over the phone. To my surprise, this was more than quote 2 months prior to XX/XX/XXXX, and 2 payments had been made since. I asked the Representative how it is possible that the amount went up instead of down based on the payments made timely, and the Representative stated that I have some type of daily interest accruing on the account. I advised the Representative that I was very upset, and I felt this is abusive and predatory lending. I have been paying on this loan for a year and half, and the amount due now is more than what was originally borrowed. I advised the Representative that I would be filing a complaint formally stating my stance and concerns with regards to this loan. I requested to obtain a copy of all the loan documents in my file as well as a full payment schedule. Its no wonder I do not recall anything about the daily interest or the APR on the loan itself as none of the documents in my file have my signature on them. I fail to understand how XXXX XXXX can hold me liable to terms of a loan that they do not have my signature authorizing the same. I do not deny that I borrowed the money, but I believe XXXX XXXX is taking advantage of consumers who care and pay their loans on time. I would like to review the possibility of having all the payments I made re-adjusted to principal in a manner that is not abusive and predatory in addition to fairness to the consumer. I have attached my loan documents for your review of this Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I  filled out an application with USAA for a credit card. Instead 0f telling me whether I was accepted or not - they requested that I make an account with USAA.I called and they said that I needed to accept a text message security code to find out if I have an account with USAA. To me that 's putting the cart before the horse. I request that USAA delet e all information gathered by my application process and cancel my application-no harm no file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: DC

Complaint narrative:
I have  XXXX  student loan token numbers for Direct federal loans taken out for  XXXX  school. I am currently on th e Public Service Loan Forgiveness ( PSLF ) progra m with FedLoan Servicing as my servicer.     My loans were originally serviced by  XXXX   XXXX , where I was enrolled in the Pay As You Ear n ( PAYE   ) pr ogram. I made qualifying PAYE payments between   XX/XX/XXXX  and  XX/XX/XXXX  . During this time, my employer paid $  XXXX  /month towa rds my loans, and I paid the remaining amount.  XXXX   XXXX  never mentioned to me that I was not enrolled in the PSLF program despite working for a  XXXX   (   XXXX  ) (  XXXX  ) employer.     Once I learned that I was not officially enrolled in the PSLF program, I had my loans transferred to FedLoan Servicing i n  XX/XX/XXXX  by  filling out an employer certification form, indicating that I qualified for the preceding year.     Sinc e  XX/XX/XXXX , I have  been trying to get FedLoan to accurately calculate the number of qualifying payments I have made for that preceding year. I have received from  XXXX   XXXX  my payment history, and submitted that information  to FedLoan. FedLoan indic ates that, instead of qualifying  12  payments from between   XX/XX/XXXX  and  XX/XX/XXXX , I  mad e 4 qua lifying payments on  XXXX  of my loan tokens, and  9 qu alifying payments on the remaining  XXXX  loan tokens. I have not yet filed the employer certification form for the payments made between   XX/XX/XXXX  and  XX/XX/XXXX .      I have called every month in an attempt to get an update on the calculation process. I have been told that the calculation should be processing, but after 6 months I have received no information.     In addition, I 've asked whether my paid ahead payments would count towards my PSLF qualifying payment count, and was told yes. I am unclear as to whether this is accurate. I ask because I believe I may somehow be paid ahead with my current payments ( with my employer 's $  XXXX  /month con tribution ), and can not determine how much I need to pay each month to make a qualifying payment. FedLoan will not provide me with that information.

Company response to consumer: Closed with explanation