vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
This company is XXXX. My complaints have NOT been a nuisance! I AM A FLORIDA RESIDENT. Among other things, by law, you MUST provide me with your legal grounds for collecting in my state or else remove this account from my credit report! You all have been refusing to allow me my due diligence and have disobeying consumer law! Ive been submitting complaints here to no avail partly due to your 1-STAR XXXX RATING where other consumers have tried contacting you by CALLING or WRITING and either getting ignored like youre doing here to me or spoken to rudely, ALSO as youre doing here! Want me to write to you? I will DEFINITELY write to you with a lawsuit for illegally reporting this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Self Lender Inc
State: NY

Complaint narrative:
they have charged me fees without me knowing such as late fees and returned check fees they are rude to me their customer service when speaking with them and asking them if as a courtesy they could waive it they say no immediately not fair they treat me horrible and i always make my payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Accont was never in collections and original creditor was paid in full. 

The collection agency " XXXX '' was hired to collect a debt of {$250.00} originally owed to " XXXX '' on account number " XXXX ''. 

Collection agency XXXX Original balance {$250.00} Current balance {$0.00} Date assigned XX/XX/2019 Original lender XXXX Account number XXXXXXXX Account holder Individual Account descriptions Consumer disputes this account information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I'm a XXXX XXXX XXXX veteran and I have applied for a mortgage loan with Navy Federal Credit Union. My closing date was XXXX XXXX 2019 but due to the level of negligence, disregard, and a complete lack of care at NFCU, my mortgage closing date is unknown at this moment. Their loan officer did not submit my paperwork on time to the VA, did not communicate with me, lost my paperwork, and now I'm stuck in the process. 
I have tried to contact my loan officer at NFCU hundreds of times via phone calls, emails, voicemails and she never even responded to a single contact-attempt. I only got a hold of her supervisor who explained to me that they're unaware where my loan file is.

Navy Federal should not be allowed to do business in the US because they're incompetent and unfit to serve its customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation. 

no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.

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 2019-10-05 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
On XX/XX/19 I contacted OneMain Financial for an installment loan of {$1000.00}. I specifically specified that I only wanted an installment loan of no more than {$1000.00}. I made it clear four times that I didn't want a title loan, and therefore not to run my credit report if it was going to be for the purpose of a title loan. When they got back to me, she said I was approved for a refinance on my title loan. I had been clear that I didn't want a title loan, yet they ran a hard hit on my report. I did not accept their title refinance loan. Please support my case against Onemain Financial. XXXX XXXX deliberately did a hard credit report inquiry against my permission and after their supposed credit approval tried to sell me to a title loan that was indeed a refinance to my existing title loan. At the start of the process, I made it super clear that I did not want a title loan and that I only wanted a {$1000.00} installment loan and definitely not a title loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2019, I paid a person {$42.00} via PayPal for tickets to an event I wanted to attend that night. After I sent the money, the person never sent me the tickets. They stole my money. Please help me get it back. I tried getting help through PayPal to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Have been trying for days to use XXXX to get a report from Equifax ( it's been one year since my last report from Equifax, so there should be no problem. 

I start with XXXX, fill in the information, then get passed to Equifax. On my first attempt, I answered all four of the Equifax questions ( all were junk and I responded " None of the Above '' ). Equifax ( https : //facta.equifax.com/ ) then said " Online Delivery Unavailable ''. Same thing happened on my second attempt ... .. answered all 4 questions ( still junk and responded " None of the Above '' ). Same " Online Delivery Unavailable ''.

In multiple attempts since then, the Equifax site does NOT ask any questions and immediately says " Online Delivery Unavailable ''.

I've called Equifax Consumer Services on XX/XX/19. They want me to forget about XXXX, and create a " my.Equifax '' account in order to get my free report. They have no intention to figure out what is wrong with facta.equifax.com. They have no intention to notify XXXX that they no longer support access thru that site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I '' ve tried to close my savings account 2 times now and each time more fees are added on after the representative at Citibank confirmed the account was submitted for closure after removing the fees. 

The first time, the representative confirmed that since there was a XXXX balance the account will be closed with no issues and " closed '' the Citibank savings account.

The second time, I received a letter stating I owed a balance on the account due to a monthly maintenance fee being charged AFTER the account was closed.

The CSR explained that an interest of XXXX posted to the account which stopped the account closure. She then XXXX the balance and submitted a request for a XXXX cent refund. She assured me the account will now be properly closed.

Less than 2 weeks later, I receive a letter for an overdue balance on the savings account for XXXX. Obviously this account IS NOT CLOSED STILL. 

This is ridiculous as each call requires me to be put on hold for hours to resolve this! Only to find out the account was not closed and more fees are being charged!

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 2019-10-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Medical collection was filed on my Equifax report XX/XX/XXXX by XXXX XXXX XXXX. On XX/XX/XXXX I contacted Equifax via certified mail, return receipt requested, disputing the filing per HIPAA laws. In the package was my dispute letter, a printed page from my Equifax credit report showing the item on my report ( circled and noted, with account number referenced in the letter ). The package was received at the Equifax dispute shipping address by an agent on XX/XX/XXXX, XXXX per the return receipt shown online via the tracking number of this package. From that date, Equifax was legally required to investigate the complaint and inform of findings within 30 days. 

It is now XX/XX/XXXX, over six months later. Equifax has done nothing with this case - no contact has been made, no investigation or resolution has occurred. I am supposed to be notified within 30 days, and its been over six months with zero from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
2 weeks prior to my due date with Vanderbilt Mortgage, I inquired about a 12 hour difference in payment. my payment is due on the XX/XX/XXXX of every month for {$1300.00}. I inquired about a payment arrangement in which they informed me that I have 15 days before a late fee is charged and 30 days before its reported to the credit bureau. my loan was paid at XXXX on XX/XX/2019. it was paid 12 hours and 39 minutes past its due date and Vanderbilt not only reported to the credit bureau, but caused my loan to go into the deficit mode AND caused my credit score to take a 3 point hit. if they had told me this to begin with, I would have just paid it and let my bank account overdraft. I work too hard for this to happen. I have NEVER been late on ANY payment and because of 12 hours and 39 minutes, they reported to the credit bureau after me speaking to 3 different people telling me that I would neither have a late fee nor have an issue with my credit being affected. now, im worried about how this is going to effect me when I go to refinance my home in a couple of months because now, after a year with my home, I have my first ever late payment/credit report on ANYTHING ive ever had. i believe I was lied to, deceived and cheated out of my good score and reporting. I believe under the UDAAP, I was treated unfairly and deceived. I am NOT happy and will be reporting them to the XXXX as well. please get back to me ASAP as I am furious.

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 2019-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I have been trying for YEARS to get Fedloan servicing to set up a income based repayment ... For some reason it is always stalled out, or can't be processed, or needs more documents, or a signature is missing, even though I am doing everything they ask or tell me. I keep having to put my loans in forbearance which accrues interest and nothing is ever resolved. I have spent hours on the phone, I've tried the website, it just never works. This is the most ridiculous process I have ever seen. I am certain I am not the only person having this problem. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a Synchrony Bank Stein Mart credit card. In XXXX, XXXX I received a bill which included a charge for $ XXXX.made on XX/XX/XXXX in XXXX XXXX , CA. This was not a charge I made. I contacted the credit card company and explained the situation. The credit card company explained that there were several attempts to charge on this card and that they had closed it due to suspected fraud. 

In the following weeks, I received a questionnaire regarding the disputed charges. I filled this out and returned to the company ( unfortunately I did not keep a copy ). 

Today I received a " Claim Review Completed '' form from Synchrony Bank indicating, " The Synchrony Fraud Team has reviewed your claim and is unable to approve it for the following reason ( s ) : You authorized, participated in, or benefitted from the purchase. '' I was never in XXXX XXXX in XXXX, nor did I charge {$500.00}. Synchrony Bank should be able to easily verify this as they are already aware of several other fraudulent attempts to use this card on that same day. I feel Synchrony Bank has acted in bad faith in the following ways : First, they were already aware of fraudulent activity on my card, yet sent me a bill for transactions they already suspected were fraudulent. Secondly, they have denied my fraud claim. I have been cooperative with Synchrony Bank and reported this fraudulent charge in a timely manner. I do not understand why they refuse to acknowlege that the charge is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 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: EQUIFAX, INC.
State: HI

Complaint narrative:
This is like an endless circle now. XXXX has place yet another new inquiry yet again it shows as a hard inquire when it should be a soft, once again like all five they have done on my Equifax report the inquires they are doing are missing a reason code Equifax requires a reason code to properly categorize the Inquire once again XXXX is not providing the reason code to Equifax so they are unable to categorize it properly. They did this on XXXX the again on XX/XX/XXXX then again on XX/XX/XXXX then again on XXXX and then again on XXXX. This has been going on for a month now!!! Take immediate actions to correct these inquires so they can be categorized properly. You are in violation of the FCRA until you provide Equifax a reason code so they can properly make the soft inquires. You did not have my permission to run a hard inquire. Every time I tell you about the last one you did a new one shows up!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: OH

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN SERVICING has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I have already contacted the original owner of this debt ( XXXX XXXX ) they had no record of the debt on my account. After I contacted them, this debt was previously removed under the last collection agency that owned it. It has now appeared back on my credit report. This debt is not mine. Please remove the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: MO

Complaint narrative:
I have 16 Negative accounts on my report that I'm no longer responsible for. They were 8 student loans under XXXX that had later been transferred to the Department of Education. Since then they were consolidated into 2 new positive accounts and then those were closed because they were fully discharged due to permanent XXXX. The new accounts reflect current and a 0 balance and the old accounts should be removed due to the discharge removing responsibility. This was originally sent to Transunion on XX/XX/2018 along with the discharge letter and was responded with the accounts have been verified. There have been several disputes sent in the last 10 months as well as a request for method of verification which was never complied with either. These accounts need to be removed.

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 2019-10-05 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: DE

Complaint narrative:
XXXX XXXX XX/XX/19, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX- XXXX XX/XX/19, XXXX Reports XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I just want it noted that their Customer service Representative would not help take care of the negative inquiries on 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 2019-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
About two weeks before the end of XXXX of this year I went to Allied Cash Advance for a loan of {$250.00}. I did the necessary paperwork and received the {$250.00} On XX/XX/XXXX I went to payoff this loan and was charged a total of {$430.00} for this XXXX loan. I believe this was excessive for a loan of less than two weeks in length. Later that evening of XX/XX/XXXX I went on line to make an inquiry with Allied Cash Advance about this high processing fee. To date I never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I cant open any account with any bank, I dont know why. They said something about check systems but every time I asked for a report I seem to not get it or be blocked. I dont know why I would be on check systems on the first place. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Allegedly, I signed a lease online with an apartment complex by the name of XXXX  XXXX XXXX in XXXX, FL. 

IQ Data International placed a collection account on my credit. I contacted the company and was informed that IQ Data International was contracted with XXXX XXXX XXXX. I contacted IQ Data International in XXXX of 2019. I requested the following : 1. A copy of the lease from XXXX XXXX XXXX. 
2. A price breakdown of what I owe XXXX XXXX XXXX. 
3. A letter stating that once paid in full the collection account will be removed from my credit. 

IQ Data International has not produced any of the three. I spoke with a man named XXXX who proceeded to ask me for my address but, claimed that IQ Data International was contracted with the original creditor, XXXX XXXX XXXX. IQ Data International falsely  represented themselves, harassed me, threatened to sue me, and falsely claimed to be contracted with XXXX XXXX XXXX. IQ Data International constantly calls the phone number they have on file to harass me about paying them because I blocked their number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation