vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This a formal complaint that you are reporting false and erroneous credit information which has negatively impacted my credit scores with XXXX. 

1. NAVIENT Account Number : XXXX RE : Letter to XXXX XXXX XXXX XXXX  ; I am exercising my rights ; Pursuant to FCRA Section 609 ( a ) ( 1 ) ( A ) & Fair Debt Collection Practices Act, 15 USC 1692g I have attempted on numerous occasions to work with your NAVIENT to clear this matter and my good name. 

here are the facts : 1. I am a victim of Fraud.

2. I never received any services for the debt you claim I owe. 
3. If I am remiss, you are barred by the statute of limitations to collect on this debt. ( Private student loan dated XX/XX/XXXX. ) 4. The educational institution that you allege that I received services and/or that I owe this debt to was : a. Not a qualified institution of higher learning during XXXX. 
b. Not properly accredited by the XXXX XXXX XXXX XXXX XXXX and XXXX during the time period XXXX. 
c. The institution name : XXXX XXXX XXXX XXXX participated in deceptive and/or fraudulent practieces and false advertisement by holding itself out as a reputable junior college with authority to enter its students into a contractual obligation as a legitimate institution with proper license and accreditations. 
d. The school XXXX XXXX XXXX XXXX was mandated to close its program titled : " Court Reporting '' or commonly known as " Professional Legal Stenographer '' due to lack of accreditation and return any borrowered fund back to the originator on behalf of its student borrower of record as : " PAID IN FULL '' e. Further, the XXXX XXXX XXXX XXXX XXXX breached its duty to perform its obligation to provide accredited educational training in the course of study known as " Court Reporting '' or commonly referred to as Professional Legal Stenographer. 
f. Further, if there was any aleged debt owing ; it was previously listed and discharged in a chapter XXXX bankruptcy proceeding during the period from XX/XX/XXXX - XX/XX/XXXX as XXXX XXXX XXXX. 
g. Further, if there is an aleged debt owing as reported it does not meet the criteria based upon correspondence from XXXX XXXX XXXX XXXX  as a qualified student loan eligible for debt consolidation. 
h. Further, this debt has been deleted from a previous credit report and cleared, however has been re-inserted as a current debt owed by me. 

I would like help from the CFPB to investigate this aleged student loan debt and bring a resolution : Therefore, I request that the company reporting this aleged debt. 

1. Delete this immediately from my XXXX  credit report.

2. Cease and Desist from attempting to collect this debt.

3. Remove my name from their collection list.

4. Send me notification that this debt is cleared and I am not longer allegedly responsible for the above mentioned debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX, I contacted XXXX XXXX XXXX XXXX  to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX XXXX  department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XXXX, I contacted XXXX XXXX XXXX XXXX  to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX  XXXX department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired XXXX different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX, I contacted XXXX XXXX XXXX XXXX to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX Mortgage department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: CT

Complaint narrative:
This company continues to report false information about me causing me a complete loss of income. Theyre reporting false information of another person 's record thats not even me I repeatedly sent documents for them to correct and they're refusing to correct errors and ignoring state federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: MO

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting that I am ( 30 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I received a voice mail from CMRE regarding a collection. The phone they called from was a fake number from XXXX, OK XXXX. Upon calling the number it just went to voicemail. I went to their website and found an email and sent an email which bounced back and said wasn't a valid email. I then proceeded to call their XXXX number 4 times and could not get through.I finally found another number I got through on that is XXXX. 

On XXXX I received an alert that a collection had been placed on my credit for {$3800.00} from CMRE. I immediately called and talked to a XXXX on the phone. She kept wanting me to confirm on the phone that I had received the bill 4 times. I haven't. I hadn't even heard of CMRE until the the XXXX of last month. I told XXXX that I wanted a full detailed description of the collection which she seems reluctant to send me and hung up on me on the phone. 

I had a XXXX XXXX in XXXX of XXXX at XXXX XXXX in XXXX Oklahoma. My insurance company had approved the XXXX. My part was supposed to be {$2400.00} until XXXX tried to charge me the entire amount of {$60000.00}. I immediately contacted the insurance company I had at the time and they were trying to get out of the agreement. A {$60000.00} collection hit my credit and not until I promised legal action and contacted to XXXX  XXXX XXXX was the issue finally handled. The original collection come off my credit and the balance of the {$2400.00} was forgiven due to the fact that the insurance company gave the hospital the run around. 

I can't remember who the original collection agency was as it is not on my credit anymore. CMRE has not sent me any correspondence regarding this collection which is now on my credit. I have zero problem with paying a bill. I'm paying for my past mistakes. I do believe this is a fraudulent collection that I have never been contacted over and has now hit my credit. I have disputed the collection with the credit bureaus but do not want to go down this road for the next year fighting a collection that I have never known about. I want CMRE to do the right thing and contact me and send me the itemized list of the collection and to immediately remove the collection from my credit report. They say they just obtained the collection in XXXX of XXXX. I do not feel this collection is valid and unless someone steps in I will continue to have this collection on my credit. If I owe it great, If I don't owe it that needs to be addressed too. However, me just finding out because a collection hits my credit is not acceptable either. 

Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX CMRE Financial Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My mother dies XX/XX/2020. BOA inheritance department dispersed all funds to siblings but mailed my money to old address. I have filled out 4 new ID affidavits and spent over {$300.00} in notary fee. All they ever say is they are going to cut new check but after 7 months they refuse to do it. Always telling me they need new ID affidavit and each time it costs me {$180.00} notary fee. The are holding my money hostage and wont allow me to donate it or receive it.

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 2021-02-02 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: OR

Complaint narrative:
I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX to see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows XXXX  reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XX/XX/2019 and also shows an incorrect amount owed. Transunion does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither Transunion nor XXXX even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX has on their report. XXXX XXXX only provides me with info from Transunion and XXXX. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with XXXX even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor Co. points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. Thank you

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 2021-02-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX i sent in letters regarding inaccurate reporting false items on my credit report and i have not recieved a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I received a phone call today at XXXX Tuesday XX/XX/XXXX about a debt of {$780.00} for services dated back to XX/XX/XXXX. The ladies name was XXXX and I told her the debt was not mine. XXXX said on the phone that Allied business services has called me 52 times. I would think that's harassment. This debt also does not appear on any of my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Received notice from Paypal that my account was limited permanently for violating terms of use, however I never violated any of the terms and they won't tell me what term they think was violated. Account has {$7700.00} that they are holding for 180 days. Called XX/XX/21 to ask for clarification was told that nobody can tell me why it was limited, but no other option than to wait 180 days. 

I recently stopped using Paypal because XXXX moved me over to managed payment. My guess is that I was flagged for keeping a higher balance and that they are holding my money to collect interest knowing that I am no longer collecting money through their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was part of a class action lawsuit against XXXX XXXX and I was awarded a letter that my student loans were cancelled per case XXXX XX/XX/2020 I have opened several disputes with XXXX and I am not getting any feed back and they are not looking at the order I sent over a copy of this for them Then I reached out to Navient, and they refused to give me a good physical address to send over a coy of the court order the representative I was speaking to was XXXX XXXX XXXX XXXX XXXX XXXX A representative will be with you shortly. 
XXXX XXXX.XXXX XXXX  is joining the chat. 
XXXX XXXX XXXX XXXX.Hi, my name is XXXX from Navient, how may I be any of assistance for you today please? 
XXXX XXXX XXXX XXXX.Hello XXXX XXXX XXXX.are you a real person or A.I.? 
XXXX XXXX XXXX XXXX.I am a real person, how may I help you today please? 
XXXX XXXX XXXX XXXXok I have a case number XXXX that discharges all of my student loans as of XX/XX/2020 I am looking for a good address and email address to send over a copy of the court discharge because this is still showing up on my credit report XXXX XXXX XXXX XXXXOkay, before I can assist you with any request, I do have to ask for a good contact telephone number for your account please. 
XXXX XXXX XXXX XXXX XXXX XXXX.what is a good email address to send over a copy of my discharge XXXX XXXX XXXX XXXX.Thank you, I will need to ask you to help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents contact you at this number using an auto dialer or pre-recorded messages regarding your current or future accounts? 
XXXX XXXX XXXX XXXXthere is no reason for future contaxct all myloans have been discharged XXXX XXXX.I need a good email address and good physical address XXXX XXXX XXXX XXXX.I apologize, but I do need a clear yes or no to contact your cell phone number please. 
XXXX XXXX XXXX XXXX.sure yes XXXX XXXX XXXX XXXX.To help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents send text messages to you at this number using an auto dialer regarding your current or future accounts? 
XXXX XXXX XXXX XXXX.now what is a good email address and a good physical address XXXX XXXX.thats ok I will have my attorney contact you and screen shot this conversation of you avoiding my questions XXXX XXXX XXXX XXXX.Thank you, unfortunately, I can not assist you in this chat with any questions about your loans. You will need to call the charged off department at XXXX. Do you have any other questions today?

Company response to consumer: Closed with explanation