vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: TX

Complaint narrative:
**This not a duplicate Complaint. The information attached** Recovery One Responded to Complaint #  XXXX  on  XXXX   XXXX  , 2017.      The company stated that they will cease collections efforts and send out delete notices to all credit bureaus. ( Attached ) I will like this company to send the delete notice to all credit bureaus again due to  XXXX  is still reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through th e Dept of Ed an d that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.

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 2017-04-24 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: MO

Complaint narrative:
XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through t he Dept of Ed and tha t resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: MO

Complaint narrative:
XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through  the Dept of Ed a nd that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.

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 2017-04-24 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: GA

Complaint narrative:
Issue : Student loans by Dep of Ed/  XXXX   (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans ( Chap. XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  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 2017-04-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Issue : Student loans by Dep of Ed/ XXXX  (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans (  XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  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 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
Ca n't stop calling about 8 times a day and after  XXXX    XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.     Navient refuses to correct the incorrect data supplied to all three credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I have requested numerous time that I am having a hard time repaying my student loans. They refuse to assist me. When I make payment, the payment pends and goes directly to interest and barely nothing to the principal. I pay approx.  XXXX  a month to Navient every single month on time and hardly anything is being applied to the principal. My payment is on auto-debit to ensure the payment is made. I can not afford this payment however, I am trying my best so do not go into default. I have a sick father and children to feed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
**This is not  an Duplicate Complaint. Follow up from Complaint  #  XXXX  There is no need place an " Dispute '' on this account your claiming is mine.     The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay  ) the y need to retract this from my credit file immediately.

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 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I received  XXXX  separate invoices from " Convergent Outsourcing '' company.  XXXX  of the debts attempting to be collected is for  XXXX  which I received on  X/X/2017   . The original amount is {$1000.00}. They are offering a reduced amount at {$530.00}. That account number is :  XXXX . The other letter that I received was for  XXXX  on  X/XX/2017   . The amount owed on that is {$580.00} with a reduced amount at {$110.00}. The account number on that debt is :  XXXX . Neither of these debts are legitimate. I would like to get this taken care of and stop receiving these letters. The contact information that was provided by them are the following :  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  www.payconvergent.com

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 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had checked my credit report and noticed that  XXXX  account was opened up under my name  XXXX  account with  XXXX   XXXX  and  XXXX  with  XXXX   XXXX , I immediately contacted the credit card companies and explained about the fraudulent accounts that was opened up under my name and had them closed those accounts and through the process I learned that those accounts were getting paid through my CHASE business account. On  XXXX   XXXX     2017 I  contacted CHASE where I had my business account was and after being on the phone for ov er 1 hour and transferred from one  person to another person opened up a claim with them and they emailed me a package for my claim that I needed to sign and send to them and get my account credited. Two days later I received another email from CHASE and that email was stating that my claim has been denied and would not get my account credited. I immediately got on the phone and I spoke to a lady by the name of  XXXX  from  XXXX  and explained to her what just happened and she could not answer me correct then I asked to speak to s ome one in united state and t hey had me on the phone holding for over 55 minutes and was told that there is no one available in united states then I asked to speak to a supervisor which that got denied also. Earlier today I called CHASE claim again and went through the same run around first speaking to some one in  XXXX  for over 17 minutes then being on hold for 15 minutes to speak with a gentleman named  XXXX  that he told me he was a senior account specialist. He then said that the claim was denied. He would not identify himself other than the time I called and his first name and he also refused to give me a direct phone number.  XXXX  said he denied my claim because all the information CHASE had was correct. He ignored the erroneous information and fraudulent actions and chose to deny my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently had my credit report pulled and saw a " Acct in dispute ''  for Citicards CBNA. The c redit report states that the account was closed back in  XXXX - XXXX  and even though I have had many many credit reports pulled since then, this is the first time " Acct in dispute '' has ever shown up.     The remarks on my credit report are : " Closed by Consumer ; acct in dispute ; acct in dispute under fcba/closed by consumer ; paid '' I am not sure what this is for or why it is showing " acct in dispute '' when the account is paid with a {$0.00} balance.     Please help me resolve.

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 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CT

Complaint narrative:
I had a cellular account with  XXXX  which I transferred to another carrier in  XXXX .  XXXX  sent me a an incorrect bill for the month I transferred the service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was incorrect. I have this documentation in writing as a online chat transcript from  XXXX  that I will be submitting with this complaint.      XXXX  never corrected the bill. Rather, they first turned it over to collection agency called  XXXX   XXXX   XXXX   XXXX  in, and around,  XXXX   XXXX . I became aware of this when my excellent credit rating dropped. I immediately notified the  XXXX  credit rating bureaus and they removed this from my file when I provided them the  XXXX  transcript.      XXXX  in, or around  XXXX   XXXX , then turned it over to another collection company call ed Afni, Inc.   They reported it as negative on at least  XXXX  credit reporting agencies  XXXX   &  XXXX  . I again, reported it as a dispute and  XXXX  deleted if from my file. However,  XXXX  came back and reported to me that it was a correct bill based on the feedback fr om Afni, Inc. a nd still have it as a negative in my file.     On  XXXX   XXXX ,  XXXX  I wrote to both  XXXX   & Afni, Inc ou tlining the situation including the transcript directly from the vendor,  XXXX , that indicates the bill is not correct. They both have come back and reported to me that  XXXX  now says the bill is correct and   XXXX   will not remove it from my credit file and  Afni , Inc. indic ates they may resume collection activities.     Apparently if a vendor tells   XXXX   and  Afni, Inc that a  bill is correct, even if they have themselves verified it as a incorrect bill,  XXXX  and  Afni , Inc. will  take the word of the vendor over the customer. I have a  XXXX  plus year credit file with no negatives. This has been a tremendous amount of work and has negatively impacted m y credit score  by  XXXX  to  XXXX  points. I respectfully request that you assist me with resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital s ystems is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.      Jefferson Capital s ystems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have received multiple calls for a group representing Check and Go Online payday loan service. The Group called today from the number  XXXX  and I called back and spoke to a  XXXX , he was really nasty and condensending. I advise him I do not and have not ever used a payday loan service and never used online service to get a payday loan. I told im I am not the person they are looking for, and how to we resolve them constantly calling me. He had told me the las t 4 o f the ssn   XXXX   and that a debt for {$400.00} was made and attached to my number. This is the  4 tim e I 've spoken to this individual.   They have called me and threaten to come to my job, threaten a processor would come to my house, Threaten with legal action and I need to have an attorney make a statement for this debt. I told him that 's not my number, He then placed me on hold and came back with part of my SSN and parts of my DOB and said he would REMOVE my name from that Debt.   This DEBT is NOT mines Check and Go and its representative are operating outside the consumer protection limits. They are making threats and calling and harrassing with unverified information and are abusing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient increased on of my loans interest rate to 10 % without notification or approval from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: FL

Complaint narrative:
My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all   XXXX   credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!

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 2017-04-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX student loans acct under XXXX XXXX, account # XXXX, is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH  my credit reports & credit scores have suffered due to this falsely reported data. <P/>XXXX refuses to correct the incorrect data supplied to all three credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My   XXXX   student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all  XXXX  credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc.
State: CA

Complaint narrative:
Hello, I applied for an apartment with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I spoke with the leasing manager  XXXX  and I advised her of my situation. I let her know that I filed Chapter  XXXX  Bankruptcy and it was discharged  X/XX/16   , over a year. All of my credit since the BK is all in good standing.  XXXX  advised that she has had multiple renters,  XXXX  or  XXXX , with the same issue and they were able to get approved.   So I applied, with the special- {$150.00} holding deposit and  XXXX  month free. After they ran my credit,  XXXX   XXXX  reporting agency asked for documentation from the civil court showing my judgments were satisfied. I supplied on site the Superior court documents and documentation from the civil court. They still denied me. I was told that I should n't even apply to these apartments because they wont accept me. Then I was hung up on by On Site. I had my father as a co signor and The Landing and On Site still denied us and never told us a reason why. I I feel discriminated against. I know have added my mother and father as a guarantor and I am waiting for a call back from The Landing. I am thinking they are going to deny us all again, even though with my parents as co signors I am overly qualified.     I am filing a complaint because my credit report should have been updated with the correct information with On Site. I am upset at how on site and the Landing have treated me as a customer. I was discouraged from applying, yet others were accepted with  XXXX  evictions ..     On Site has reported information that has denied my application when all judgments and liens have been satisfied. Please help. I know I have rights and that I am protected from being profiled, racially and I am being denied due to my BK that has been discharged and satisfied.

Company response to consumer: Closed with explanation