vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
When I moved out of my apartment in XXXX XXXX XXXX in XXXX Arizona on XX/XX/16. At the time, I signed a document stating that I was closing out my lease and that there were no charges owed in addition to any fees agreed to upon taking the lease ( security/cleaning/pet deposit, etc. ). 
The apartment complex then re-rented the apartment to another tenant on or around XX/XX/16. 
I was NEVER notified that the apartment complex was stating that I owed {$420.00} for " damages '' to this apartment until I found out that I was sent to collections for this amount. In XX/XX/2016, I disputed the charges directly with the apartment complex and the collection agency and all 3 credit  agencies. However, the debt is still listed as owed by me on my credit report. 
I just recently disputed these charges again and the apartment complex collection agency sent documentation ( which I never received before ) and which is clearly altered and fraudulent stating that AFTER I moved out on XX/XX/16, they found damages ( when another tenant was already renting the unit ) and providing " proof '' that I signed off on these charges. This paperwork is fraudulent! It was clearly altered after I left and dated it after I signed all the paperwork and moved out!!! I was never notified that XXXX XXXX XXXX stated that I owed {$420.00} ( over my other deposits ) and that they had sent me to collections. 
A search of XXXX will show that this is a known and common tactic of this apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: ID

Complaint narrative:
On XX/XX/2019, I asked my bank ( XXXX XXXX ) to obtain a credit report as part of an application for a mortgage loan. Three companies reported : XXXX, TransUnion, and XXXX. Both XXXX and TransUnion referenced several Creditor accounts that were incorrect, that is, the Creditor information was not mine but actually belonged to another person. XXXX  information was mostly correct. I contacted TransUnion to dispute the incorrect information. After two calls, a TransUnion representative took my complaint and initiated the steps to remove the incorrect information. I was not successful in contacting XXXX   either by internet or phone call to rectify the report. I have three fundamental concerns : ( 1 ) how and why was incorrect information added to my identity, ( 2 ) why are credit-rating companies like XXXX and TransUnion permitted access to my personal financial information and have such incompetence in ensuring that the information is correct, ( 3 ) why do financial institutions like XXXX XXXX rely on credit-rating reports when the reports may have inaccuracies? It seems that persons like me are the ones who have to rectify credit-rating problems created by the incompetence of companies like XXXX and TransUnion. My suspicion regarding concern ( 1 ) is that the credit-rating companies are not using a complete set of personal information when they obtain financial information : namely, complete 9-digit social security numbers, current addresses, and birth dates, all correlated to an account held by a person. The incompetence of companies like XXXX  and TransUnion places a terrible burden of proof on the financial status of US citizens. Why are such companies not appropriately regulated by the Federal Government?

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 2019-04-13 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: WA

Complaint narrative:
Transunion has reported to XXXX XXXX  and XXXX XXXX that I had 9 hard inquiries in XXXX or this year. I have spent over 6 hours on the phone with them in countries all over the world telling them to stop reporting falsely that I had ANY inquiries in XX/XX/2019. They have removed the information twice and re added the false inquiries twice. They are extremely rude and refuse to hear me out. They repeat over and over we don't do that. They do and they did they dropped my rating because of it and so did XXXX by 54 points. I want them to stop badgering consumers by telling them to stop the inquiries or they wont get their credit fixed.

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 2019-04-13 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:
When you go online to Equifax and try and file a dispute - the online application closes abruptly and then an error message says can not process at this time. This happens all the time and has happened since I fired them as my monitoring service. 

The XXXX, GA address is not my address - that is the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: PA

Complaint narrative:
I refinanced my student loans through another company. Navient overpaid my the balance on some loans and underpaid others. When my monthly bill was due they took the normal autopay amount of {$1100.00} out of my account even though the outstanding balance on my loans was ~ {$300.00} ( and the net was even less ). They told me they would refund the balance within 72hrs. That was over a week ago and instead of satisfying the loans in full, each loan has a negative balance. Now Navient is sending me monthly billing reminders as if they are going to charge me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I submitted complaint to your office ( case # XXXX ) in regards to JCPenney Credit Card Account # Ending XXXX. This problem never resolved. My credit report on file to the bureau up to date still showing negative. This problem affected my score too low and I am paying my car loan at higher interest. My Chapter XXXX was discharged on XX/XX/XXXX. For several times I disputed my case thru credit bureau and GE Capital Retail Bank denied my dispute and not agree to resolved this problem. I suspected GECRB company retaliating and punishing me since I reported and complaint my case to your office. For over 4 years this is the only company still showing and reporting negatively my credit file to the credit bureau.

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 2019-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient I submitted my income based repayment paperwork for Navient after they stated they didnt receive all of it. Once i did so, I received an email at XXXX that same day stating that my paperwork was revived. The young lady I spoke with stated that she would would move my payment date to XX/XX/XXXX to ensure that the paperwork had been completed she on XXXX end. Fast forward til today, Ive been charged {$850.00} dollars XX/XX/2019. I cant pay my rent or electrical bill. Whose gon na help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: AZ

Complaint narrative:
i got a refi loan and my creit score dropped 38 points i have over XXXX XXXX credi available need restore me my score to XXXX score please responed to thise matter as soon as possible my soc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I have a loan with one main financial XXXX XXXX XXXX. XXXX oh XXXX my monthly payment is XXXX due on the XXXX of each month. they tried to take my XX/XX/XXXX payment out early and put me in insuffient funds. my credit union XXXX XXXX charged me XXXX XXXX XXXX. when I called branch manager at one main XXXX XXXX she apologized and told me she would return my XXXX. I went ahead and made a payment on line for XXXX $ on XX/XX/XXXX and then they went into my account again and took out XXXX.they double dipped.i have had problems before and they assured me everything was fine.XXXX even told me they would not debit my account twice but they did. these people can not be trusted.i will never do business with them again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-13 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: MN

Complaint narrative:
I need to File a complaint On Transunion I have asked them 3 time do a Physical verification of erroneous unverified account on my credit file and they fail to do so. Now I won't a deletion of the accounts listed below I DO NOT WANT A UPDATE OR ANY CHANGES COMPLETE DELETION TO ANYTHING IT'S BEEN OVER 30 DAYS AND THEY FAILED TO DO THEIR JOB XXXX XXXX XXXX XXXX Not my account Number I won't these 2 accounts removed ASAP ALSO SEND ME PHYSICAL DOCUMENTS SUCH AS A CREDIT APP WITH MY SIGNTURE ATTACHED. 
IF THESE ACCOUNTS ARE NOT REMOVED I WILL FILE A LAWSUIT!

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 2019-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
WHY DID YOU CLOSE COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT CREDIT CARD OR PREPAID CARD NOTHING HAS BEEN RESOLVED. CHASE BANK STOLE MONEY FROM ME. THE VENDOR OVERCHARGED ME. 
I HAVE HAD TO HIRE A LAWYER AND I AM STRUGGLING TO SURVIVE ON SOCIAL SECURITY. 
I HAD ORIGINALLY TRIED TO SUBMIT MY COMPLAINT TO THE FEDERAL BANK AND TRADE COMMISSION AS AFTER BEING OVERCHARGED  BY THE VENDOR, CHASE STOLE {$6500.00} FROM ME THAT WAS A CREDIT BALANCE ON MY ACCOUNT. IS CFPB JUST THERE TO COVER UP FOR AND PROTECT BIG BANKS WHO STEAL FROM THEIR CUSTOMERS?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I filed jointly with my husband for the first time this year, and we were told we would get a refund of {$1400.00}. We received a notice stating that our entire refund was being offset to defaulted student loans. My loan servicer XXXX notified me that while I was behind on payments that I had not yet defaulted on my loan or entered " pre-default '' yet. I contacted the debt collection agency ( XXXX XXXX XXXX ) who were very helpful to a point, asking lots of information bout my household income, and lots of info about our expenses. When I asked when i had defaulted on my loans they informed me that they had taken over the loans in XX/XX/XXXX, but they were not able to provide me with info as to who my loan servicer was prior to this.The provided me with number to contact to inquire about this information. I reached out to the loan locator number they gave me and found out that my loans were being serviced by Nelnet prior to them being sent to collection in XX/XX/XXXX. 

In XX/XX/XXXX I contacted a company that was helping people with filing for a debt forgiveness program through the government. The company needed my PIN and asked for {$900.00} up front to use as good faith payment to XXXX ( may have been under XXXX XXXX still at the time ) and they also used up my last deferment I had available to me as part of the process. I would never had agreed to this process if I had not had two other people I know go through this process and have their loans drastically decrease. 

On the XXXX website they have multiple stafford loans listed as consolidated or not owed. And I had assumed that this was because the loans had been paid and processed by the government program I had signed up for. But now I am not sure. I do not remember receiving anything from XXXX that my federal loans were being handed by another loan provider, and if i did i would likely have assumed that due to the program I had worked with that this info did not pertain to me. 

The current loan holder and debt collector have stated that they will help me get out of collection if I make payments that are between {$480.00} and {$440.00} ( both amounts which i have informed them that I can not afford pay ), for a consecutive 9 months, and then my debt would be moved to yet another loan servicer. I was informed that because both my income and my spouse 's income were being used to calculate what I was expected to pay, regardless of what I as an individual were able to pay, that was low as the payment could be made. The only other option offered to me was that I could open another loan through an outside company ( that i would have to find ) and pay off the defaulted debt all at once, and that they would waive the late fees associated with account. If i did not do this, then I would be paying on the total amount due of over {$42000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I just received a negative report on my credit report about my past leased vehicle stating I owed a tax amount on vehicle but there was no notification sent to me nor was I notified about these taxes. Now Inhave a derogatory mark in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: MI

Complaint narrative:
Dear CFPB professionals, I recently financed my home and at closing I was told I could make early half payments ( twice monthly ) and 15 days of interest would be saved on the early half payment. 
A few months later, a company named Stearns ( XXXX. XXXX XXXX XXXX XXXX, Va XXXX ) purchased my loan. 
On or about XX/XX/XXXX, Stearns representative " XXXX '' told me that early payments get put into a " suspense bucket '' and held until the rest of the payment is received. 
When I explained that they were altering the agreement set forth at closing to the disadvantage of their customers, she told me that was their policy and gave me the email address to their customer support. 
I emailed Stearns customer support on XXXX. XXXX with a carbon copy sent to my mortgage broker ( a witness to the agreement at closing ) stating that their policy does not give them the right to alter the terms of loans they purchase. 
They replied with a canned pass the buck email and assigned my case a ticket number XXXX, I have not heard back from them since. 
I sent follow up emails and got the same canned pass the buck email which appears to be generated by an email auto-responder because it doesn't attempt to answer even simple questions like " is my case being reviewed? '' " if not, how long will I have to wait '', etc. 
On XXXX. XXXX, I also sent them a copy the " Closing Disclosure '' document ( attached ) that I received at closing explaining my Loan Terms and clearly stating that this loan has no prepayment penalty features, I received the same canned pass the buck email back. 
Holding my partial early payment for 15 days while still collecting the interest on that already received payment, is a significant penalty that will add years to the loans payoff date. 
I also asked them in an email to send me the portion of the loan agreement, stating that they could hold an early partial payment for 15 days and continue to charge interest on that already paid amount, I received the same canned pass the buck email back again. 
I followed up with a call on XXXX. XXXX and their representative gave me the same " suspense bucket '' answer over the phone. 
She couldn't even update me on my case when I offered her my ticket number. 
I also have a chain of emails I can attach, if this would be helpful? 
Please investigate this and make them fix it, their " policy '' appears to be to alter loan agreements that they purchase to the customer 's disadvantage. 
Nice way to treat the people who bailed out their industry during the 2008-2009 financial crisis. 
Sincrerly, XXXX 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 2019-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: PA

Complaint narrative:
I was advised on Thursday XX/XX/2019 via my XXXX XXXX alert that NRA Group XXXX PA had reported and opened a Collections Account in XXXX and XXXX  for a delinquent Medical bill owed to ( XXXX ) XXXX XXXX Hospital for the amount of {$230.00}. Actual amount was for {$220.00} which had been paid in full on XXXX XXXX. 

IN FACT THERE WAS NO ( XXXX ) XXXX DOLLARS owed or pending when XXXX XXXX reported this the Credit Reporting Agencys IN XX/XX/2019. 

This has caused a negative impact on my otherwise ( VERY GOOD ) Credit Rating for years of 100 % on time Payment Reporting to XXXX, and XXXX. 

There was no formal prior USPS letter, verbal communication, or contact whatsoever, or any attempt made by the NRA GROUP to me to advise me of their attempts to collect what turn out to be a paid off invoice or they would have been provided the documentation showing the {$220.00} had been paid to XXXX ( XXXX XXXX on XX/XX/2019.

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 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I need to File a complain on Transunion for Violation of the FCRA I HAVE ASKED THEM MORE THAN ONCE TO INVESTIGATE INCORRECT ITEM ON MY CREDIT REPORT BUT THEY ARE NOT FOLLOWING THE FCRA RULES XXXX XXXX ACCOUNT 'S ARE REPORTING WRONG ACCOUNT NUMBER I WANT THESE 3 ITEMS REMOVE FROM MY CREDIT REPORT ASAP FCRA STATES THAT ALL INFO ON A CONSUMER REPORT NEEDS TO BE REPORT 100 % ACCURATE AND THESE ACCOUNTS ARE NOT I WANT THEM REMOVED TODAY!

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 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I received notice of a collection filed against me by National Credit Systems for unpaid rent at XXXX XXXX apartments. I immediately started a dispute with XXXX the same day. 

On XX/XX/XXXX, I contacted National Credit Systems and spoke to XXXX XXXX the agent on the account. I was informed that a dispute packet would be sent via mail to my address. While waiting for the packet, I filed both a FTC report and a police report in preparation for completing the packet. 

After nearly two weeks, no packet arrived, so I went ahead and sent in a copy of my FTC report, police report, and a copy of my drivers license to both XXXX and National Credit Systems with a letter informing both parties that I had never lived outside of Texas and wished to dispute the collection. 

On XX/XX/XXXX, I received notice from XXXX that the dispute was resolved and was informed that National Credit Systems denied my dispute and claimed the information was accurate. 

On XX/XX/XXXX, I called XXXX XXXX at National Credit Systems again to attempt to figure out why the dispute was denied and was told that they would not process my documents because I did not complete the packet. When I told her the packet had not arrived, she told me that I could find it online at identitytheft.gov. When I could not locate the packet on the website, I called the FTC help desk and was told that the packet did not exist, that the only thing I could do on the website was file a FTC report, and that I should call National Credit Systems back and ask to speak to a supervisor. 

When I called National Credit Systems back to talk to XXXX XXXX again, I was told that she had already made special accommodations for me by giving me the website information, that I just couldnt find the packet ( despite my telling her that the FTC help desk said it didnt exist ), and was finally forwarded to her supervisor where I left my name and number after my call was not picked up. 

As of today, XX/XX/XXXX, my call still has not been returned and this collection is still on my credit report despite all this.

Company response to consumer: Closed with explanation