vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
I enroll at XXXX XXXX XXXX XXXX in XX/XX/XXXX for a program starting XX/XX/XXXX ending XX/XX/XXXX. During my enrolling and attending classes at XXXX XXXX, I went out on a approve medical leave of absence from XX/XX/XXXX to XX/XX/XXXX. I went to school for about a week and a half before going out on leave of absence. I never establish a grade point average because I was out on leave of absence. I receive a letter from the college inquiring if I was planning to re enroll, I call my student XXXX and told him I was n't planning to re enroll because I was still in physical therapy and I was unable continue school in the future. Counselor said he would take care of the matter. I never receive any forms to state that I was withdrawing from XXXX XXXX.I did n't hear anything from the counselor, I receive a letter from XXXX XXXX XXXX representing New Century Financial Services , INC . I am being sue for {$6600.00} and I strongly disagree on this debt because the college never followup on their own Cancellation and Refund Policy. I dispute the claim. to date, found it necessary to hire a lawyer to resolve this matter. Any assistance on your part would be helpful. Thanking you in advance.

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 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX and Collection Services of Athens have been falsely reporting to credit bureaus regarding account # XXXX. This account has been paid as agreed. If negative credit reporting is not stopped immediately, the appropriate legal action will be taken.

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 2017-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
This is a XXXX XXXX XXXX. When my son first graduated we tried to lower the payments from the {$700.00} and they said sorry there is nothing they could do. We borrowed XXXX - paid back {$42000.00} since 2011. Now that it is default they want {$85000.00}. Paid in Full - charging {$14000.00} in Collection costs. I would never recommend borrowing from XXXX XXXX. I would like to know if there is anything that can be done about this outrages interest and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: MS

Complaint narrative:
I do not have a XXXX 's XXXX credit card but, there is an account showing on my credit report from XXXX XXXX. 

Please remove this account from my credit file.

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 2017-10-23 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: MS

Complaint narrative:
I do not have a XXXX 's XXXX credit card but, there is an account showing on my credit report from XXXX XXXX. 

Please remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XXXX 2015, Merrill Lynch gave away around $15,000 dollars without doing as much as a check on on who the beneficiary was, which would have been and easy to deny the person the right to cash out the money. I was wrongfully being prosecuted by an OCDAs  office that is all over the newspaper for being involved in this behavior. The case is due to go to Federal Court, where a Federal Magistrate already agreed the state was biased.

	My power attorney went to Bank of America in XXXX XXXX, California where the Bank Manager was very uncooperative and even lied that the Merrill Lynch was closed, and refused to work with him. I got a court to make phone calls and in or around XXXX 2015, I got through to Merrill Lynch after they covered up and would not give any information on the phone. In reality what could they say? They would have admit they just make it as easy possible for people to steal money when all they had to do was a check on who the beneficiary

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 2017-10-23 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I received numerous threatening calls from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} 3. XXXX XXXX XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I received numerous threatening calls from Account Receivable Solutions, Money Recovery Nationwide and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1.  Money Recovery Nationwide- XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} 3. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
My daughter and I lived with XXXX XXXX in XXXX, Tn for over 5 years. In XXXX 2017, I ended up moving back home with my parents to help them financially until my dad was able to get his XXXX. My deposit when I moved in was {$550.00} which was also my rent amount every month. I am a single mom with one income no child support who struggled to make it but I always paid my rent. There were times that I was late paying it but always paid it before the XXXX of the month which is consider the eviction date. So they would tack on the late fees of {$50.00} a month which is fine because that was in the lease, I would pay over the amount of my rent ( {$550.00} ) when I had the extra to pay my late fees. I never caused any trouble at my apt . I never had any complaints from them or my neighbors, I never complained to them about anything, in the 5 years I lived with them I only called them 2 or 3 times to come fix things because I would do it my self. The ladies that run the office at XXXX have never been the friendliest people to encounter, they are usually rude and short ( not just to me, but everyone, I have had people tell me they walked out of there office before even looking at any properties because they were so rude ). 
So my complaint and issue with them is, the guy told me on my exit inspection that my apartment looked great and I would get my full deposit back, which I knew I would not because I had some late fees that I owed. They sent me a letter a couple months later stating that I owe {$580.00}. I called them asking how in the world do I owe that much when you still have my deposit of {$550.00}. They stated that they can not use my deposit toward my late fees, which makes no sense what so ever. I basically only owe them {$30.00} but they wanted me to bring in {$580.00} and them turnaround and mail me my deposit back. I told them I would bring the {$30.00} to them but never got around to it because the last few months have been hard as my dad has been sick in and out of the doctors and hospitals, my mom is about to have XXXX, just a lot going on. They have now turned me over to collections ( Rent Debt Automated Collections ) but in the amount of {$780.00}, I am not paying that when they still have my {$550.00} deposit and I technically only owe them {$30.00}. I will gladly drop off {$30.00} to them. The collection amount is incorrect and should not be on my report for that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
ok I filed a complaint no XXXX one of the exective officers of customer care has emailed me twice telling me to call her. XXXX XXXX is her name. I emailed her back and said I would not call them. I am tired of being lied two.and told her to refinance my loan for {$170.00} a month and I would set it up auto pay. I know this would extend the loan for another year or 2. if they wont do that I told them to take me to court and sue me.i want this in writing not over the phone. I told her to send me all the paper work to refinance the loan and I d sign it and send it back.that was a few days ago she has n't emailed me back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: OR

Complaint narrative:
A single individual claiming to call from Sallie Mae repeatedly calls me and asks to speak to either my father or my brother. I tell them that they live in a different state and to please stop calling me. This same person again called me today at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: KS

Complaint narrative:
i have a deliquent tax lien that was paid in full. I have contacted the State and they say they did not report it and ca n't withdraw it. The credit reporting agencies have been notified of it being paid and that the state said they need to withdraw it. I am stuck because this is impacting my credit and ability to get good loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 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: GA

Complaint narrative:
A fraudulent account was opened in my name XXXX XXXX. I became aware of the debt on my credit Early XXXX. I have contacted XXXX 10x.  Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. XXXX has not sent proof that the debt belongs to me. In XXXX I called Equifax fraud department to dispute the validity of the debt on my credit. The Equifax fraud representative has called XXXX on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XXXX/XXXX/XXXX I once again called XXXX I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. XXXX refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by XXXX to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Phone number XXXX has called my phone repeatedly and asked for a specific person. 
They will not identify who they are, their company name, what the call is in reference to ; they only state, " this is an important business matter ''. 
I called the number back and the recording says " XXXX XXXX, XXXX ''. 
I spoke to an operator and asked for the address of the company, the name of the company, the phone number, names of supervisors, etc. 
The gentleman that answered refused to tell me anything unless I gave him my phone number. 

I believe this is an identity theft scam. The name they have is one that was changed decades ago and only someone that does not really know the circumstances of the name change would continue to use that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: CL Holdings LLC
State: TX

Complaint narrative:
I have disputed the account for XXXX through the credit bureaus. The results came back as meet FCRA requirements. 

XXXX need to provide documentation showing that I opened an account with them in XXXX XXXX. I never opened an account with XXXX in XXXX. 

I am asking for them to delete this account from my credit reports if they can not provided documentation showing that I opened an account with them in XXXX. 

And how can I owe on an account that I never opened in XXXX. 

And also to note, I have the proof showing that they removed the account from my credit and then put it back on my credit stating that I dispute and meet fcra requirments. 

This is not fair for them to report false information on my credit saying I opened an auto loan and XXXX. I never opened a loan in XXXX with XXXX or any auto lot. 

Please can this be resolved? I would greatly appreciate it. 

Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Past 5 years done one have been trying to get things in my name want to get all inquiries deleted for in proper use. Below the following HARD INQUIRIES XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/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 2017-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: LA

Complaint narrative:
This is a loan for solar panels on my house from XXXX XXXX. The company set up a new payment system and informed me that I would need to re-register to have my automatic payments made. 

This happened 6-8 months ago, and since then automatic payments keep getting rejected because they claim I do n't have an account.

This requires constant vigilance and calls to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On Thursday, XX/XX/XXXX, my Navy Federal Credit Union Checking account, at XXXX CST showed an adjustment for - {$260.00}. No check had shown to be pending or posted. All that was shown was the negative adjustment. The next day, Friday, XX/XX/XXXX, my account showed a deposit made by my employer for {$270.00} before the very same adjustment of - {$260.00}. With the negative {$4.00} charge I had in my checking account the balance equaled {$0.00} on Friday, XX/XX/XXXX. I called Navy Federal to ask why they adjusted my account before the funds were even deposited into my account. After being very curt, dishonest, and rude, they said that the adjustment was n't made until overnight processing, early morning Friday, XX/XX/XXXX. This was not the case as I checked my Navy Federal account on Thursday and saw the adjustment made before overnight processing had begun and before funds were shown as posted. I requested today, Monday, XX/XX/XXXX to have an internal audit with time stamps showing each transaction as well as call logs and notations made to be given to me and they said I would have to subpoena them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a visa card with XXXX XXXX XXXX with {$1000.00} credit limit. I recently opened an account in Wells Fargo bank and requested credit card which was not approved due to " serious delinquency ''. I do not shop online and dont use my credit card often either. I need to know what has happened. please inform me about the details.

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 2017-10-23 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
i have a deliquent tax lien that was paid in full. I have contacted the State and they say they did not report it and ca n't withdraw it. The credit reporting agencies have been notified of it being paid and that the state said they need to withdraw it. I am stuck because this is impacting my credit and ability to get good loans.

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 2017-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had a discharged bankruptcy in 2008. It is nearing 10 years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between 7-10 years. I have submitted a request for removal before on at least one credit bureaus. The other one ( I think XXXX ) requires a 10 digit code from the item listed on the report. That 10 digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past 8 years and so close to 10 years.

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 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
On XXXX XXXX my husband got a call from Ditech Mortgage that our payment was 111 days past due and we are in danger of foreclosure. I called to ask them what are they talking about and 3 days later after spending numerous hours talking to different very rude people it was explained to me that in XXXX of XXXX a check for {$2400.00} was credited to my mortgage. Ditech entered this amount twice. They had an audit in XXXX saw the error and their way of correcting it was to take my XXXX payment. I also was so far ahead on my payments that my XXXX statement said my next payment date is XXXX XXXX so the money they had to cover XXXX and XXXX they took that money as well. When this was explained to me I told her there is no way this could be legal because those were my house payments and now youre threatening foreclosure. She said they are willing to make my payments for the next year {$760.00} instead of the {$620.00} we are supposed to pay. It was their mistake and they fix it by putting a horrible hit on my credit score and a finically burden on me. Is this legal? Can they just get away with business practices like this?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation