vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 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: GA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX with XXXX XXXX XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/XXXX I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX XXXX XXXXXXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX,  Transunion, XXXX report which he has tried to resolve several times. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the National Legal Aid for assistance

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 2018-03-09 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: MO

Complaint narrative:
A collection in the amount of {$630.00} reported by XXXX XXXX XXXX is posting to my Transunion report. XXXX XXXX XXXX has stated in response via Cfpb to me that they have ceased collection activities. Transunion continues to report the account after they initially removed the account once without notifying me within 5 days.

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 2018-03-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX for XX/XX/XXXX Experian has on page 3 of 20 XXXX XXXX XXXX XXXX XXXX incomplete reporting information. Experian has date open XX/XX/XXXX but only show partial XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. this is a incomplete payment history. Experian also has XX/XX/XXXX as first reported but no payment history. Experian has incomplete payment history of the loan since XX/XX/XXXX. Also Experian has not or want provide documented proof to the payment history as incomplete by them.

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 2018-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I pay portfolio recovery for my old XXXX account in the amount of {$400.00} on XX/XX/2018 they reported to my credit bureau that I only made a payment of {$400.00} towards my debt when I called and spoke with the manager she assured me that they were going to correct this matter she also email me a settlement letter stating I paid this off now today on my credit report it has went down tremendously 21 points stating that I still owe the debt for the full {$780.00} so it has stated that my debt has increased by {$400.00} by this company when I call back today to speak with someone they tell me that my account has been transferred to the dispute department and that's who places on my credit report and it's nothing I can do about it even though I paid this I'm trying to purchase a home in this is really hendering my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: WI

Complaint narrative:
In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Please know that I am requesting debt validation for the account that is in the amount of XXXX on my XXXX credit report Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX for XX/XX/18 Experian has under notices page 19 of 20 this address may be perceived as a high risk. was used as a mail drop or a delivery service. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is not none of what Experian has or says. I have for the past months to get Experian to Delete/Remove this. This address is an high end apartment address. Experian has not provided any proof of there sayings or any documented proof or any thing of substance regarding this matter. Experian has had months to clear this matter up. Experian keeps putting or adding information on my credit report that is not mines and Experian does not have or documented proof of there gathering of information and the errors in which has no merit in any way of there findings to the said address.

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 2018-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I pay XXXX XXXX for my old Walmart account in the amount of {$400.00} on XX/XX/2018 they reported to my credit bureau that I only made a payment of {$400.00} towards my debt when I called and spoke with the manager she assured me that they were going to correct this matter she also email me a settlement letter stating I paid this off now today on my credit report it has went down tremendously 21 points stating that I still owe the debt for the full {$780.00} so it has stated that my debt has increased by {$400.00} by this company when I call back today to speak with someone they tell me that my account has been transferred to the dispute department and that's who places on my credit report and it's nothing I can do about it even though I paid this I'm trying to purchase a home in this is really hendering my credit

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 2018-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
{$150.00} was drafted out of my account which I didn't authorize {$18.00} XXXX XXXX XXXX XXXX   3x {$26.00} XXXX XXXX XXXX 3x {$33.00} 1x I put a stop payment on XXXX XXXX XXXX XXXX on XX/XX/XXXX and the expiration date was XX/XX/XXXX. 

chase bank did not honor the stop payment the amount went from $ XXXX {$50.00} I just put another stop payment on XX/XX/XXXX til XX/XX/XXXX for XXXX XXXX XXXX for the amount $ XXXX {$200.00} and chase bank did not honor the stop payment I did call XXXX XXXX XXXX and told them i wanted to cancel the wellness program as well as the insurance policy but they ended up taking the money out of my account any way either way they over draw my account for {$150.00} and something needs to be done I contacted the FDIC and told them about it but there never contacted the bank or me in regards to this matter and it needs to be addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
Purchase a ring from XXXX XXXX in XXXX XXXX XXXX XXXX, TX they used XXXX to finance. I paid XXXX XXXX {$45.00} biweekly automatic draft thought my XXXX XXXX XXXXXXXX account. I explained to XXXX XXXX XXXX that the account was paid on the 1st call and 2nd call the rep said he would mark as dispute. When I called today to get additional information this person was  rude/disrespectful etc. I ask XXXX XXXX XXXX for the copy of the contract and the original amount. The young lady said that they do not have the original amount or the contract to call XXXX XXXX XXXX XXXX XXXX. She offered me a {$800.00} settlement and I explained to her that I have already paid this account I did not receive a paid in full since they was a automatic draft. This is the ONLY account that I have had with XXXX. 

I Called XXXX XXXX XXXX XXXX XXXX he said that they no longer own the account and did not have a copy of the original contract or amount. He said that XXXX XXXX XXXX purchase the account to call them for the original documents and the amount. afterwards since I cant get anyone to help me I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: AL

Complaint narrative:
I HAVE SENT EXPERIAN NOTICES TIME AFTER TIME ABOUT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT THIS ACCOUNT DOES NOT BELONG TO ME AND I HAVE ATTACHED MY CERTIFIED UCC11 WHICH STATES I DO NOT HAVE A LIEN AGAINST ME FROM XXXX HIGH BALANCE XXXX. I HAVE ATTACHED THE CREDIT REPORT LISTING FROM XXXX I HAVE ATTACHED A DEBT VALIDATION LETTER FOR EXPERIAN TO COMPLETE

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 2018-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello CFPB, I have been making reduced payments to Navient since XX/XX/XXXX due to financial hardship while my account was being reviewed. Navient then stated that I need to make higher monthly payments without clearly communicating nor acknowledging the program requirements. I have been in communication with Navient to continue with the reduced payments to prevent my private loan from going into default. I have sent in paperwork to show I can not make higher payments and was denied ( 3 ) times. One of the reasons I was denied according to a Navient representative was, " the director has an issue and/or does not agree with the amount you pay for rent. '' Navient phone call recording will validate this conversation. I have recently spoken with a representative multiple times this week starting ( XX/XX/XXXX ) via phone in attempts to negotiate and was not advised that my account was already placed in default. I received a letter in the mail today ( XX/XX/XXXX ) that was allegedly written and mailed on ( XX/XX/XXXX ) stating I have until ( XX/XX/XXXX ) to " make suitable payment arrangements '' even though I'm currently still making the same reduced payment. I believe this is fraudulent activity and illegal practice on behalf of Navient. I would like to explore other options to discover a reasonable solution resolving this issue that ultimately does not result with my account in a default status. 

Thank you for reviewing this matter. 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
The account is inaccurate and does not belong to me and should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, ME XXXX Loan no. XXXX Lender Placed insurance TD bank is attempting to attach the mortgage for lender-placed insurance after having been sent proof of insurance, as per their request. My home owner 's policy has never lapsed - and yet this is the SECOND TIME that TD Bank has advanced this attempt to attach insurance at 400 % the market rate. 

Additionally, the insurance term is RETROACTIVE ( XX/XX/XXXX ) and claiming a premium for two months PRIOR to the policy implementation ( XX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10 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: Kriya Capital, LLC
State: MO

Complaint narrative:
After review of my XXXX credit report, I noticed a collection account posting in the amount of {$980.00} reported by Credence Resource Management. I am unaware of this debt and this company is reporting this debt without providing me the initial notice of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: MI

Complaint narrative:
The account is inaccurate and does not belong to me and should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Back in XX/XX/2016, I was laid from my company for over 18 years I've been employed there. I filed a hardship during those months, I was not able to make payments. I applied for a program Keep your home California. I was eligible to qualify their program but I missed months of payments for my mortgage. Finally the program assisted me with my mortgage payments through XXXX XXXX. 

I'm currently making my mortgage payment for the past 14 months straight. I would like to dispute this late payments for XXXX XXXX, that is affecting my credit scores. if you could please assist me get this off my record. I'm working so hard to get a affordable credit score so I may live a better life knowing that I'm the average American with a good score. 

Thank you 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 2018-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a Chase Freedom cardholder since XXXX. Twice now my APR was raised and both times Chase sent me notification of the change in terms using Presorted Standard Mail. My husband who worked for the post office for 31 years was shocked when he saw this because he knows that anything that is sent Presorted Standard mail is not returnable and subject to be thrown away by the postal service if not deliverable. Because of this fact, most Americans regard presorted standard mail as so called " junk mail '' and discard it without even opening it. I believe that Chase is using this type of postage as a deceptive practice of trying to satisfy the requirements of the law while secretly hoping most people will not read it. The first time this happened my APR was raised from 12.24 to 29.99 and I was notified through Presorted Standard. I called them on this and they immediately changed it back to the 12.24 when I challenged them on it. Now they are doing the same thing again. I received the notification that my APR would go from 12.24 to 16.24 effective XX/XX/XXXX again this was sent presorted standard mail. 

In my opinion Chase is being deceptive in the hopes that most customers will throw the notices in the trash and never read them. I think they should be fined and/or required to send future change in terms notices first class mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
Apparently I was seen in the emergency room at XXXX XXXX XXXX on XX/XX/XXXX and XXXX 2013. I have contacted the hospital for proof that I was on Free Care. The hospital was going through a transition at this time and no longer has access to these records. They do show that I was there and I paid nothing for my emergency room visits. The collection agency XXXX XXXX XXXX claims that they can not give me any information about the original billing office, XXXX XXXX XXXX XXXX XXXX. This is supposed to be a bill for the doctors who took care of me during these two visits. I have never received any bills from either XXXX or XXXX. After speaking to 3 different people with XXXX   XXXX XXXX today, I asked to speak to a supervisor. I received a call back from a female. Her English was very broken and I couldn't understand what her name was. Prior to her I spoke to XXXX and XXXX. I was informed by XXXX and XXXX and the supervisor that it was against the law for them to give me the contact information for the original billing office. I was asked by the supervisor if I remembered going to the emergency room on these days and I told her no, this was almost 5 years ago. After telling me repeatedly they were unable to give me any information. I just had to pay this or I was going to get sued and it would ruin my credit farther. She also said I had admitted being seen at the hospital on these days. So I reminded her of my statement and she said that was incorrect. I asked that she rewind the recorded conversation and she refused to do that also. I tried on my own to find the billing company 's contact information. I couldnt find any information on XXXX or from the hospital itself. I do not have an issue with paying for my bills. I only have 3 collections on my credit report. I have spoken to the other collection agency and I am waiting on paperwork from them. 

I dont understand why one company is having an issue with giving me the original billing companies contact information and XXXX XXXX is being courteous and accommodating. 

I look forward to having this issue resolved and being able to move forward in my next venture.

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 2018-03-10 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: AZ

Complaint narrative:
I've attended XXXX during the XX/XX/XXXX to XX/XX/XXXX school years. I have two student loans left which both are Stafford Loans with 4.85 interest rates. Soon after the school XXXX took over the loans. While not any better at the time, it was managable since my payments were exceptable. Since Navient took over, has been nothing but problems. It is impossible to deal with these clowns. No one seem to give any kind of information about changes in the loan. One month the loan is at {$150.00}, the next month is {$300.00} claiming there are late chargers applied. I was in a hardship 2 years ago. They put me in forbearance. My status has not changed unfortuantely with recent health issues. I've applied for IDR 1 year ago. I have yet to see the process completed. They keep pushing me in forbearance on purpose to collect on interest. These people are scumb. Someone needs to deal with them. Reading other people 's posts and it scares me how these people are playing with other peoples lives. Please help.

Company response to consumer: Closed with explanation