vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
We had financed a vehicle (   XXXX   XXXX   XXXX  , VIN :   XXXX   ) through ally Financial, and then refinanced through   XXXX   XXXX   XXXX   XXXX  . After the refinance had commenced the loan balance to Ally Financial had been satisfied. However Ally took one final loan payment for {$370.00} after the loan balance had been satisfied. Upon contacting Ally financial, they had acknowledged that the final payment was, in fact, received by them. However they stated that they were unable to assist in the returning of the final payment ( {$370.00} ) and advised to contact the financial institution from which the funds were drawn. The financial institution (   XXXX   XXXX   XXXX   XXXX   ) was unable to reverse the payment as it was authorized at the time it was removed.
At this Juncture Ally Financial still is in possession of the remaining payment {$370.00} and is unwilling and unable to process any sort of refund, by any means. I am requesting that the CFPB contact Ally Financial and that the overpayment be remitted by check.

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 2017-08-03 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: North American Credit Services
State: NC

Complaint narrative:
I have spoke with  XXXX  a supervisor at northamerica credit today, at   XXXX   XXXX   est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on   XXXX   XXXX  , 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had a 30 year loan with a 10 year interest only payment. As of   XXXX   of 2016 my payment changed from {$1500.00} to {$2900.00}. This property is now rented, I collect {$1900.00} a month. I have provided all documentation to Ocwen Loan Servicing. My property has n't reached a value to refinance. I asked the servicing company for help in getting a modification, I was declined based on having assets to cover the difference between rent and mortgage payment.
I do n't make enough money to keep paying this loss. The reason for the complaint, the game that 's played is continually asking for the same documents over and over. When it 's in there system already!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra Recovery Services is currently reporting on a debt, in the amount of {$600.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to   XXXX   XXXX  . Ad Astra Recovery does not own the debt. I have a contract with   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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:
I have spoke with  XXXX  a supervisor at   XXXX   XXXX   today, at   XXXX   XXXX   est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on   XXXX   XXXX  , 2016

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 2017-08-03 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:
I have spoke with XXXX a supervisor at XXXX XXXX today, at XXXX XXXX est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on XXXX XXXX, 2016

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 2017-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OUT TECH, INC.
State: AZ

Complaint narrative:
Bureau of Account Management is attempting to collect a medical debt ( {$85.00} - XXXX 2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Bureau of Account Management fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Made a payment with a telephone customer service rep, who could not resolve the access problem I was having with the online account. She could not understand why the online account was still locked after she made a password change. ACH payment was taken on  XX/XX/XXXX  and subsequently rejected for insufficient funds on  XX/XX/XXXX . Target did not resubmit to the bank for second attempt at payment and held the pending payment until  XX/XX/XXXX  before cancelling payment and charging account for late and returned check fees. Calls to and from Target card services, CS reps could not give any details as to what happened and why. My bank stated that ACH was submitted only once.
Apparently, this is a Target policy to collect more fees from customers by only submitting an ACH once.
 XXXX  complaint only got a response from Target that said to call   XXXX   number which can only get to a live person after about 10-15 different attempts at getting out of voice jail. Attempt to get to a supervisor was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Provided is a receipt of payment to CHASE, in branch, to clear the unpaid balance and up to X/X/2017,  Chase has yet to clear the issue with XXXX  XXXX who is inaccurately reporting a debt that has been paid and was promised to be cleared. In XXXX 2017, I went to apply for a checking/savings account with XXXX XXXX in XXXX, FL. They denied my application for a checking stating that CHASE bank reported a balance of delinquency. After sending proof of payment to CHASE to XXXX XXXX, XXXX XXXX, on XXXX, stated a balance was still showing to CHASE. WHO IS GOING TO FIX THIS INACCURATE AND UNFAIR, PREJUDICED REPORTING. I have been discriminated and the banks are communicating inaccurate information as is reporting on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: RI

Complaint narrative:
I have both federal and private student loans -- all handled by Navient. When I pay my federal loans, I often make an overpayment for one of the loans online. When you overpay on a federal loan, the computer system asks how you would prefer the extra payment ( if it 's greater than 100 % of the amount due, i.e. if the payment is {$25.00} and you make a {$26.00} payment ). You can either 1 ) extend the due date of the loan or 2 ) make your next payment on time, which means the overpayment is applied to the principal of the loan. This is a great way for people to tackle their loans and decrease the life of the loan overall. When overpaying a private loan, you CAN choose to have the payment applied to the principal by NOT extending the due date, though you have to send in a physical check with a piece of paper detailing how you would like the payment applied. When you attempt to overpay your private loans online, the system ONLY gives you the option of extending the due date, meaning that the additional payment is applied to the bundled interest-principal payment. Not allowing borrowers to apply overpayments towards the principal line ( like one can when overpaying on federal loans ) makes it more difficult for borrowers to more quickly pay off their loans - extending the life of the loan and the amount of interest that borrow is playing.
Navient should allow borrowers to make overpayments for their private loans and apply those overpayments to the principal by not extending the due date of their payment.
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, Transunion and XXXX have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my XXXX, Transunion and XXXX credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the Navient account collection has been dismissed due to lack of proof of ownership.

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 2017-08-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX, XXXX and Equifax have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my XXXX, XXXX and Equifax credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the XXXX account collection has been dismissed due to lack of proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
In XX/XX/XXXX one of my student loans went from around {$380.00} a month to {$740.00} a month. I called and said I ca n't pay this. They gave me 3 different options that I have not qualified for from XX/XX/XXXX to the most recent denial in XX/XX/XXXX. I told them I could do at most {$500.00} a month and there was no way I could pay the $ XXXX.I asked if they could work with me. I emphasized I did not want to stop making payments, I just could n't handle the amount they wanted me to pay monthly, they really do n't listen and no one even seems to know how to help me. I have been paying on these for ten years now and this is the first time I literally can not do anything about my payments. No one seems to know what to do except to send me forms. Also the emails they send you for the forms never link properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from 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 2017-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
RSI Enterprises , Inc is attempting to collect a medical debt ( {$59.00} - XXXX 2011 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is RSI Enterprises , Inc fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified Consultants is currently reporting on a debt, in the amount of {$670.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX. XXXX XXXX XXXX does not own the debt. I have a contract with XXXX not Diversified Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: NY

Complaint narrative:
I graduated in XXXX of 2015 with a {$32000.00} loan. I 've been paying {$400.00} a month for the last 2 years and my balance is still {$30000.00}. How is it that I payed more than {$9600.00} thus far and my balance only went down a couple of thousand??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
The company, XXXX or XXXXXXXX XXXX XXXX holds my mortgage. They forced Homeowner 's Insurance on my mortgage. I have supplied them with the documents over 5 times. They will not call me or provide a resolution. I have to call them in order to get a response. When I call them, they tell me we are processing your documents and will call you back. Again, they never call back and now I am stuck with a balloon payment of {$1900.00}

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 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Rent debt Automated Collections is currently reporting on a debt, in the amount of {$4100.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Rent debt Automated does not own the debt. I have a contract with XXXX XXXX not Rent debt automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: AZ

Complaint narrative:
Syndicated Office Systems is attempting to collect a medical debt ( {$320.00} - XXXX 2014 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Syndicated Office Systems fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I 've been disputing Wells Fargo Dealer Services since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time Wells Fargo Dealer Services confirms that this account belongs to me. I 've asked XXXX, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with Wells Fargo Dealer Services and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.

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