vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PR

Complaint narrative:
Today,  XXXX   XXXX ,   XXXX  I recei ved a letter fro m Transworld Systems.  At  XXXX , the same day I called them because I had no idea what they were charging me for. Supposedly I gave a check for the amount of {$320.00}  ( three hundred so mething, not quite sure of the amount ) and that check was used to pay an account on  XXXX . The check bounced. The problem is I do n't have an account on  XXXX , I 've never had. The collector, named  XXXX  said this was in  XXXX , six years ago and now they 're trying to collect {$720.00} for something that I did n't even buy. I asked if the check could be sent to me so I could see that is mine and that if it was I would pay the amount that it said on the check. The person said that was n't an option, that this was the government, the have my social security number, they have everything and they could do whatever they wanted. I told him " then tell them to kill me because I do n't have that amount of money and for an account that I do n't even have ''. They offered me to make payments. Again, I said no, it 's not fair to pay for something I do n't even know. I offered to pay in full the three hundredd something dollars, the person said no and even if I paid the {$720.00} he would not close my case and that the governement could do whatever they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section  611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '  that I have disputed. Please resolve this manner as soon as possible. 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 2017-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have received several calls from Nelnet trying to collect money from me, but I do not owe any. When I called them today to ask about this, they claimed that no calls are being made to my number. The most recent call was made on Thursday,  XXXX   XXXX ,  2017 , at  XXXX  EST. They left a message on my voicemail which I have a recording of as proof that Nelnet is making calls to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
I have been trying t o work with FedLoan Servicing for over a year to get my payments credited toward Public Service Loan Forgiveness. I  have certified my employment multiple times and have asked for information  as to when my qualifying payments will be credited. Each time I am advised it will take another 30-90  days. I have been making qualifying payments on certified eligible employment since  XXXX   2015 . I am very concerned about how the new admin will ha ndle PSLF an d would like to see my payments credited appropriately.  <P/> I have called multiple times and emailed multiple times. Each time I have been assured that my payments qualify, but that it just takes time to be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
At approximately  XXXX  CST on  XXXX / XXXX / 2017 , I logged onto my chase credit card account to find it closed. This happened to coincide with my declining of a mortgage offer from chase on  XXXX / XXXX /   2017  which the terms were awful. I have been an outstanding customer with a on time payments and a   XXXX   balance. I reached out to the customer service team, was transferred and put on hold 5 times before " a supervisor '' communicated that the account was closed due to chase 's decision. I asked for what reason,  XXXX  said that is the only thing I can tell you. It is ironic and silly that any creditor would close a perfect customers card immediately after my declining of their offer for the mortgage. It seems illegal and bad business practice. Once I told the supervisor I was recording the call she responded with I can not proceed further. How can anyone be sure these people are on their best behavior if they are n't being recorded? And what is their to gain or hide by doing so. I just wanted honesty and to uphold the representatives to the truth. I have never contacted the CFPB or BBB, but I feel like  XXXX  did this with bad intentions, also my  credit score is af fected from them closing my account and hampering my debt-to income before purchasing a home. I can not believe  XXXX  has treated me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: TX

Complaint narrative:
Most recently I have verified that the student loan for my son with  XXXX   XXXX  wa s actually a private Tuition Answer loan which I, the par ent was the borrower. This loan was signed for  XXXX   XXXX ,    2005. The problem is my repayment period ( principal and interest ) has NEVER begun, so for the past 12 years, all payments have been for INTEREST Only. The promissory note states " the repayment period will begin on the day after the Interim Period ends. The Interim Period will end 4 1/2 years after the Disbursement Date. '' The follow on problem is I can not   get approved for my son, the co-signer to be rele ased from the loan until the outstanding {$4300.00} in interest is paid while the original loan of {$43000.00} has not been affected. In addition, the interest that has been paid is not eligible for deductions on income  XXXX   Release for co-signer is the borrower making 12 consecutive principal and interest payments without lat e fee penalty and the borrower 's credit being checked. They have no idea if funds are being paid by myself or my son. Not withstanding,  XXXX   XXXX  's failure to begin the repayment period is a breach of contract to the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I took out a personal student loan with Navient formerly  XXXX   XXXX . I have continuously made payment arrangements. Most of the payments were made. They keep calling me ALL day long. I do n't answer, then they call from another number. I have lost count of how many calls a day I receive. I get calls on Sunday and I know they are closed. I am sick and tired of all the harassment. I feel that I can not live a normal life because they are always ringing my cell phone. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: AZ

Complaint narrative:
I have  XXXX   XXXX   XXXX  on my credit report for  XXXX  on my credit report from 3 years ago.  XXXX   XXXX ,  2014.I never heard of them or have any idea what this is regarding.

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 2017-06-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a XXXX, because I refused to allow someone else to cheat me?? <P/>
I just finished a call with Experian. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.

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 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I recently tried to get an apartment in my name. A apartment complex reviewed my report and informed me that I had a debt in collection from  XXXX   XXXX , a apartment complex in  XXXX  TX. I 've never stayed in  XXXX  before and do n't know where this debt came from. I called the debt collection agency, Profession Debt Mediation ; they informed me that someone named  XXXX   XXXX  had opened the account with  XXXX   XXXX . He used my social security name in order to open the account. My name is  XXXX   XXXX , phone number  XXXX  address  XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX , TX  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 2017-06-01 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I send out a certified letter to SYNCHRONY Bank to validate the inquiry that was made to my credit report. I receive a letter from SYNCHRONY on  XXXX  stated that they was unable to provide me copy of the application based upon the paperless method used for submission but they record indicate that the inquiry was accurate. I am victim of Identify theft and someone has been use my name. I do n't know this company and do n't know what they are. and I am requested them to remove the inquire our of 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 non-monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I purchased a XXXX XXXX XXXX with my brother ( co-applicant ) through XXXX in XXXX. We traded the XXXX XXXX in for XXXX XXXX XXXX on XX/XX/XXXX in My name only this time.That being said the XXXX XXXX was paid off through XXXX and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car ( XXXX XXXX ) . Initially there were two 30 day lates, one reported onXX/XX/XXXX and the other in XX/XX/XXXX. I was advised to dispute it by XXXX because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed one 30 day late which was the XX/XX/XXXX. When I called back in I was given a different story all together. I was advised that the final payoff amount that XXXX XXXX XXXX sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have XXXX XXXX of XXXX XXXX, MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called XXXX XXXX and spoke with my Sales person XXXX XXXX and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a XXXX XXXX @ XXXX XXXX who is over him. I called on several occasions and left several voicemail messages for a XXXX XXXX @ XXXX and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX so how can we have a 30 day late on our credit report for XX/XX/XXXX & XX/XX/XXXX and if that was truly the case why did they wait 6 months to report it? That 's why they removed the XX/XX/XXXX late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither XXXX or XXXX XXXX will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what XXXX 's response was or I really feel like they are n't even investigating the matter.

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 2017-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I purchased a XX/XX/XXXX     XXXX   XXXX    with my brother ( co-applicant ) through  XXXX  in  XXXX . We traded the  XXXX   XXXX  in for  XXXX   XXXX   XXXX  on   XX/XX/XXXX   in My name only this time.That being said the  XXXX   XXXX  was paid off through  XXXX  and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r (   XXXX   XXXX   )   XXXX  In itially there were two 30 day lates, one reported on    XX/XX/XXXX  and the other in  XX/XX/XXXX . I was advised to dispute it by  XXXX  because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only  removed one 3 0 day late which was the  XX/XX/XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  Sales  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on   XX/XX/XXXX   so how can we have a 30 day late on our credit report for  XX/XX/XXXX & XX/XX/XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the   XX/XX/XXXX   late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither  XXXX  or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what  XXXX  's response was or I really feel like they are n't even investigating the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I purchased a  XX/XX/XXXX   XXXX   XXXX   with my brother ( co-applicant ) through  XXXX  in  XXXX . We traded the   XXXX   XXXX   in for  XXXX    XXXX   XXXX   on  XX/XX/XXXX  in My name only this time.That being said the  XXXX   XXXX  was paid off through  XXXX  and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car (  XXXX   XXXX  )  XXXX  Initially there wer e two 30 day lates, one re ported on  XX/XX/XXXX  and the other in  XX/XX/XXXX . I was advised to dispute it by  XXXX  because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed  one  30 day late which was the  XXXX   XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  XXXX  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX  so how can we have a 30 day late on our credit report for  XX/XX/XXXX  &  XX/XX/XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the  XX/XX/XXXX  late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither  XXXX  or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what  XXXX  's response was or I really feel like they are n't even investigating the matter.

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 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Roundpoint Mortgage completed an escrow analysis on XXXX/XXXX/2017. After such analysis my monthly payment amount increased by over $ 250/month ; however there was no change to my escrowed items. The only escrow item is for property taxes which have actually decreased from the prior year. I have been calling Roundpoint Mortgage since midXXXX to no avail. I was told by a CSR that I was unable to dispute the new payment amount and that I needed to make the payment by XXXX XXXX, 2017 or I would be assessed a late fee. I have never been late on my mortgage and value a good credit rating so I made the payment on XXXX XXXX, 2017. Since that time I have contacted Roundpoint numerous times and spoken with ( 8 ) eight representatives ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and continue to get mixed information. No one is capable of resolving my issue or providing me with an explanation for the increased payment. I have emailed proof of insurance coverage ( Flood, Hazard, Content ) to ensure these items were not escrowed.

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 2017-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 1ST ALLIANCE LENDING, LLC
State: WA

Complaint narrative:
I made the  XXXX  payment of my mortgage on  XXXX   XXXX .  1st Alliance  and their mortgage servicer   XXXX   charged me a " late '' fee because they assumed the payment was for  XXXX . I had made  XXXX  's payment at the beginning of  XXXX  and am current on all my payments.     This is just a way to fleece money from people. Who heard of charging a late fee when you pay early?

Company response to consumer: Closed with explanation