vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Good morning, Im filling this complaint because I believe I was treated wrong by Chrysler capital. I bought a XXXX XXXX XXXX, my credit score wasnt good at the time so my interest rate was very high. The only income I had was my XXXX from social security {$1500.00} a month my financial wasnt good at all. Chrysler capital approved my loan, I got the car with a payment of {$670.00} a month, everything was ok until six months later my wife got diagnosed with XXXX her medication price was high so we have to give up the car so we can afford her medicine, Chrysler took the car back and sold it in an auction and hit me with a balance of {$11000.00} that I can afford. This balance is reporting on my credit as a charge off account. This brought my credit score so low that I cant even rent a appointment for me and my family. I Dispute this so many times with Chrysler and told them my problems, my wife condition but they ignore me and keep reporting this account on my credit and destroying me and my family even more. Please help me and my family to get the this fix with Chrysler capital so they can remove this account from my credit report. By doing this we will be able to but a cheap car so we can go to appointment back and forth and get our financial together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX Commonwealth Financial placed 4 medical collection accounts on my credit bureaus- I only found out these were placed by alerts from monitoring services. No attempt to validate was made by Commonwealth Financial.  These same 4 accounts were posted on my credit for the 1st time in XXXX after the XXXX  breach. It took a month or two for them to be removed so imagine my shock when my almost 3 years later these collection account reappear under another name and with new dates that Ive read here is called illegal re aging of accounts in order to extort pay for deletion or payment of fraudulent debt by Commonwealth Financial holding the threat of ruining your life again unless you pay regardless of debt validation. So far my insurance renewal rate increased, loans and credit line increases were denied and just in these few short days have incurred great financial terror via Fico scores tanking nearly 100 points and have only been able to get 2-3 of the 4 Commonwealth collection accounts from the same hospital system removed from XXXX  and XXXX, XXXX refused to investigate- Ive opened a separate complaint for them. Suddenly the accounts now show flagged for collection by Commonwealth Financial and no further validation is required from them so it stays without any chance of disputing the dispute results. When I contacted XXXX at Commonwealth Financial he had no personal information about me and was asking me to give my social security number and other personal information- I said I would verify what he had with no problem but wouldnt just provide. He said I could pay for deletion and a lot of his clients do that regardless of being their debt or not just to clean up their credit and quickly restore their scores with letters that he would email me from them to provide all creditors etc stating it was a mistake and been removed from my credit and risk files. I didnt entertain the offer because I had faith in the system that it would be caught as an illegally re aged, illegal validation to the credit bureaus stating debt was valid, because they were found to be fraudulent in XXXX from these same credit bureaus- sadly its not the case, just a bunch of offers from all 3 bureaus to get credit repair help, speedy disputes, access to legal dispute processes and form letters if I subscribed to their monthly monitoring services ranging from {$19.00} to {$39.00} per month per bureau. As you can see by the attachment even the credit bureaus show date opened unknown and just 4 days ago were reporting XX/XX/XXXX as date placed for collection even though the credit bureaus didnt receive the data until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
My husband had an account that was sent to two different collection agencies. The debt was paid in full to one of the collectors and we received a Release of Liability for the debt. The second collection agency was Nation Credit Adjusters. This agency has continued to harass us. We have sent them all of the information for the debt showing it was paid. We even wrote to the credit agencies and had their negative item removed with our proof of payment. NCA continues to hire process servers who contact us and advise us ( once we have sent the proof of payment ) that we will not be contacted .... 2 months later we are contacted again. 
This week, we received a letter from XXXX XXXX XXXX , XXXX. This letter advised of notice of Bank levy .... How can we make this stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: PA

Complaint narrative:
I XXXX XXXX ; XXXX and writing you today as an aggrieved man. I pulled my credit report with Equifax and there are many fraudulent, unauthorized items on my report. Ive notified Equifax that my identity was stolen, and fraud perpetrated upon me. I did not apply for credit anywhere at any time. Yet there are 6 Hard inquires on my report. I never applied or authorized an application for credit with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX-XXXX, XXXX XXXX. I repeat I did not authorize anyone at any time to apply for credit in my name. I demand these fraudulent inquires be removed from my Equifax report immediately. I also have reported to Equifax many times I have never had a school loan with XXXX College. This fraudulent account has been disputed and removed from every credit report but Equifax. If Equifax does not remove this fraudulent account from my report, I will be filing an action against them in federal court!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: PA

Complaint narrative:
I XXXX XXXX ; XXXX and writing you today as an aggrieved man. I pulled my credit report with Transunion and there are many fraudulent, unauthorized items on my report. Ive notified Transunion that my identity was stolen, and fraud perpetrated upon me. I did not apply for credit anywhere at any time. Yet there are 13 Hard inquires on my report. I never applied or authorized an application for credit with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 2019-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
General revenue services has been harassing me since XXXX. Two to 5 phone calls per day Monday through Saturday. 
Previously mentioned wage garnishment. 
I don't owe this debt- it has since been removed from my credit. 
Calls and sends letters to my father on the other side of the country. 
Has recently started calling my work- notably XXXX XXXX from the company. 
Their phone is XXXX XXXX XXXX, but they call from other numbers from local numbers and non-local.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
USBank is engaging in a reprehensible practices were generate excessive fees. My direct deposits is transmitted to USBank at XXXX around the XXXX of the month .Said company do not make funds available til after XXXX XXXX only after fees has been excessed to what ever checks are debits came in and still on hold. Its always have perplex me on this practices, in legations said company has found guilty of overcharging there customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX refuses to look into the evidence submitted about accounts that actually are reporting false information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TX

Complaint narrative:
Equifax breach caused my ftc violation XXXX XXXX 2 accounts XXXX XXXX  sent the police report with all ftc violation j

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX breach caused my ftc violation XXXX XXXX 2 accounts XXXX XXXX sent the police report with all ftc violation j

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: U.S. BANCORP
State: TX

Complaint narrative:
XXXX breach caused my ftc violation XXXX XXXX 2 accounts elan financial sent the police report with all ftc violation j

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I typed in my XXXX XXXX account information for a payment of {$200.00} on XX/XX/19. I logged in and saw a payment reversal. The lady told me I had the wrong bank information in. This has happened several times. I just made a payment for {$12.00} with them with my XXXX XXXX account so there is no excuse for this. Now I have to wait for the payment to go through and the interest could possibly hurt my credit for XX/XX/XXXX. I was banking on having all the interest paid and all the interest caught up. Now this is very unlikely to happen due to the lack of Navient not changing the payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: NC

Complaint narrative:
THIRD ATTEMPT Section 605B of the FCRA, it states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 

Im attaching my letter for dispute and police report. Transunion must honor this request within 4 days! It is completely ridiculous at the number of attempts I have made to have these items removed. Transunion will be sued if I can not get this matter resolved in the number of days per the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Bureau of Carbon County
State: WY

Complaint narrative:
My new husband has a couple older debts he was never billed for due to old address info nobody at the collection agency would update, and that the debts were from out of state. He knew this company had several accounts under his name and tried to contact them to make payments, but was always given the run around and multiple excuses before being told they would send him a bill. They never once sent him notice of the collection accounts they had for him, nor attempted any form of payment arrangement with him. They still refuse to remove an improper debt that was verified to be invalid with the original company, but they bought it years ago and want their money so keep it on my credit. They held them for a year or two, then sued for garnishment with an additional {$4000.00} in fees in 2013. They were awarded garnishment but never sent it to his employer, his bank, or him. Years later they seized his entire paycheck and bank account, forcing cancellation of insurance and other things for no payment. A judge told them they could not do this and ordered a new process to accommodate this specific debt, which they completely ignored.They froze his account again 4 months later, but only gave the bank notice. I sent a letter to the judge and went back to court, where the agency phoned in and said oops, we didn't mean to send that one. The next day, a process server shows up at my apartment, where I live alone with my daughter, holding a folded up paper that had my husband 's name and my address on it. He is not on the lease or any forms of correspondence. I do not receive any mail there, and that address is not listed anywhere publicly as I have only been there a few months. We have had a XXXX XXXX for years but they would never document it. He told me he had a bill from a doctor in town, gave the name, and said he tried to take it to his grandparents house but it was refused. I also said he does not live with me, only stays the night sometimes. He said if I don't take the papers from him, he will take it back downtown and then have a Sheriff deputy come and give it to me. I took this to mean I had no legal option but to take it. How is it allowed that they can threaten him, then violate my privacy by looking up my name and info and forcing me to take court papers that are not mine? He said it was a bill from the doctor, not a summons from this collection agency. I am sick of them harassing and stalking us, especially while I am fighting a XXXX XXXX. They have cost us hundreds in fees for their actions, yet have not credited a single penny on any debts they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
On XX/XX/2019, I learned that my last 3 student loan payments dated XX/XX/2019 ( came out of my bank account XX/XX/2019 ), XX/XX/2019 ( came out of my account XX/XX/2019 ), and XX/XX/2019 ( came out of my account XX/XX/2019 ) had been misapplied. 

On those 3 dates, I paid {$130.00}. However, when I looked at the Recent Payments section of the Navient website, I saw payment amounts of {$110.00} for those 3 dates instead of the {$130.00} that came from my bank accounts 3 times.

I called Navient to explore this. The woman I talked to ( XXXX ) explained that Loans 1 and 2 are consolidated and that payments are applied to both loans. I told her I understand, but upon review of my file the payments that were applied to Loan 2 in the amounts of {$15.00} were all reversed, so {$0.00} was applied to Loan 2 for the 3 payments I made. XXXX continued to explain that payments I make are applied to both loans and I continued to explain that {$0.00} was applied to Loan 2 the last 3 payments due to the reversal of how my payments were first applied. 

As a result of the reversal, the weekly {$15.00} I wanted applied to Loan 2 was applied to Loan 1 instead. 100 % of the {$15.00} they took away from my payment toward Loan 2 went to the principal on Loan 1. 

Per Navient 's website, payments are typically allocated to interest first. Their reversal of how my payment was applied goes against this. As a result of this reversal, there is now unpaid interest on Loan 2 in the amount of {$56.00}. It would not be this much if they had applied my payments without the reversal that XXXX said took place on XX/XX/2019. This was when XXXX said she would submit something to reverse the reversal. 

I asked if they would correct this mistake, just for clarification that my payments would be applied correctly. She said yes and gave me an estimated time frame of by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was traveling in XXXX around late XXXX and made a purchase at a gas station for a piece of candy around $ XXXX. Once i returned home and checked my account i noticed a charge for {$350.00} at a market in which was the same place i purchased the candy. I called my bank to dispute the charge. I did not have a receipt and they said they would reach out to the market to request one. It has been over two months and i have not received my money back and my bank states that there is nothing they can do about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: NC

Complaint narrative:
THIRD ATTEMPT Section 605B of the FCRA, it states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 

Im attaching my letter for dispute and police report. XXXX  must honor this request within 4 days! It is completely ridiculous at the number of attempts I have made to have these items removed. XXXX  will be sued if I can not get this matter resolved in the number of days per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I took out a loan for a small amount and now it has tripled in the payback cost and was sold to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC
State: PA

Complaint narrative:
As soon as I found out they place this on my credit report - I got there phone number and call them - I told them if I was notified I would have call them and talk to them about this I did pay them when I had them on the phone and I told me this would be removed right away

Company response to consumer: Closed with explanation