vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Navient has called my entire family and friends letting them know I had student loan debt. They have called my mom at work and even faxed proof of employment to her office ( where I do not work ). They harass my family daily even after they were told to stop. I have set up a payment plan with them and they still continue to harass everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
I received a letter in the mail on XX/XX/XXXX addressed to my deceased husband XXXX XXXX. It was from PHH Mortgage Services. There was information on there about a Misc repayment and an escrow disbursement. XXXX passed away in XXXX and he has not had a mortgage since XXXX. I called the company to find out what this was about and they would not give me any information. They said I needed to send them his death certificate. I told them that I was not going to do this because I had no idea what this was even about and then they hung up on me. 
It sounded like a scam and I wanted to report them so another person doesn't give them information and get taken like they were trying to do to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: National Credit Services, Inc.
State: DC

Complaint narrative:
I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Borenstein & Associates, LLC
State: CO

Complaint narrative:
I owed a debt for a hospital bill. The hospital called me several times trying to settle my debt. I explained that I received several bills from the emergency visit and it was going to take a while to pay them all off. I had made payment arrangements already with the hospital doctor, my doctor and the XXXX  and at this time I was not able to support any other arrangements but as soon as I was able I would make arrangements with them. I did talk to them a few more times and relayed the same information. I had not heard from them or anyone about this debt for several months but I came into money and was able to pay the bill in full. I called the hospital they took payment and sent me a receipt. A day or 2 later I went to work about found that Borenstein and Associates has filed a lawsuit against me for the debt. Previous to this day, XX/XX/2020, I had had no contact in any way with this firm. When I called they stated that the hospital should not have taken my payment and that they were the owners of the debt. I stated the debt had been paid. They insisted that I owed them {$400.00} for attorney fees and if I didn't pay them today there would be {$100.00} added to the charges. I was never given notice of debt or an opportunity to validate or dispute the debt. Per the Fair Debt Collection Practices act, communication in the form of a pleading in a civil action can not be treated as an initial communications. This was the ONLY communications I received from Borenstein and Associates. These collectors are asking for more than 60 % of the actual debt as " attorney fees ''. These fees seem extreme. Total debt due and paid was {$600.00}. They are asking for fees of $ 400+ for collection fees. This seems extreme considering they have actually never attempted to contact me to collect the debt as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

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 2020-02-06 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: DC

Complaint narrative:
I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
I've requested to have someone call me to talk about a possible settlement option. 
I've been paying on this loan for years/decades faithfully and came into some money that could possible pay off the loan. I received an email from their customer service department that they won't be able to make any kind of offer. 

I've heard that Navient ( Sallie Mae ) will only talk to borrowers if they're account is in a default status. I believe this is very backwards. I want to pay the majority but not the entire thing since they've been capitalizing on interest with me for years/decades. 

If someone could please help me get an offer settlement on this loan, I'd greatly appreciate it. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: Navient Solutions, LLC.
State: DC

Complaint narrative:
I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/2020. I tried to access my account online from Experian and they kept telling me I needed to sign up for a membership. The membership is a PAID service. I tried to call customer service but every phone number I could find was answered by a computer, and there was NO option at all to talk to a live person. Every option led to yet another computer and there was no way to go back a step to make a different selection, nor was there an option to return to a main menu. The only alternative was to hang up, redial, and start over again entering about 5 minutes of screening information. Back on my computer I entered personal information on the membership form. Up popped a price list for services. Nowhere did they tell you there were also free services. Same thing happened when I tried to put a freeze on my account. Up popped a message that I had to pay. Please stop Experian from charging for free services

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 2020-02-06 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: DC

Complaint narrative:
I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

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 2020-02-06 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: IL

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 These inquiries are Unuathoirzied on my Transunion Report ... after speaking with number associates to get deleted and none of them helped, ,so I brought the issue here, ,we would like these Inquiries removed IMMEDIATELY.

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 2020-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
There was a previous complaint filed as follows, and a new problem with a double payment to the XXXX County Tax Office : 1 Previously, " AmeriHome Mortgage is not refunding me my escrow money. I refinanced my home loan on XX/XX/XXXX. The escrow was paid out by AmeriHome Mortgage, XXXX XXXX XXXX on XXXX in the amount of XXXX. There is a remaining balance of XXXX that AmeriHome Mortgage is due to refund me. AmeriHome Mortgage is not refunding me my money. The representative for AmeriHome told me that they sent me a check via an unsecured and untrackable mail meathod, and to no surprise nothing has been received. This problem is causing undue hardship toward myself and is unnecessary and unreasonable. AmeriHome Mortgage account # XXXX Thank you, XXXX XXXX XXXX '' 2. Update : I was promised on XX/XX/XXXX by an Amerihome representative XXXX ( a very polite and nice lady ) that a new check for {$2400.00} would be sent the next day via overnight mail with a tracking number. That never happened and was informed much later on XX/XX/XXXX that it was put into the regular, non-trackable, unsecured mail by accident. Amerihome has a questionable record with checks getting lost in the mail, but now I'm expected to wait patiently for 5-7 business days, to see if it gets lost in the mail again. 

3. Via XXXX County Tax Office, it is reported that Amerihome actually made a tax payment of {$6400.00} when there was a {$0.00} balance. There was a {$0.00} balance because XXXX XXXX XXXX made a payment on XX/XX/XXXX, almost a month prior. I informed the Amerihome Rep. XXXX of this situation. XXXX looked into it and left me a voicemail on XX/XX/XXXX. Incorrectly, XXXX said {$6400.00} was refunded to another Escrow company XXXX XXXX. After viewing the tax report and verifying with the XXXX County Tax Office, the money {$6400.00} was refunded to Amerihome XXXX XXXX XXXX, and somehow they don't know that. 

4. There is a clear disconnect with Amerihome and I'm requesting outside intervention, with regard to the escrow balance of {$2400.00}, and the double payment to XXXX County for {$6400.00}. 

Thank you, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX from XXXX XXXX called my cell phone stating that he was a process server for the state of XXXX  and asked for my supervisor 's name and number to get information on how to send a sheriff to my job for a court case. He stated that it was for a " bad check '' written to Spotloan. I ended the call. He then called my mother looking for me and started rattling off her social security number, address and date of birth in an attempt to scare her into giving them my info. She did not give them any info and hung up the phone. They called my phone again on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, they also called my husband looking for me. On XX/XX/XXXX, they called again and I told them that I will be filing a complaint. I have not had any dealings with Spotloan since XXXX. I have even had a previous CFPB complaint about another collection agency, XXXX XXXX XXXX XXXX, calling me about Spotloan. Spotloan responded that they had no relationship with XXXX XXXX and that they would address the issue directly with XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MT

Complaint narrative:
Following the sale of the property our mortgage was paid in full in XX/XX/XXXX and we have yet to receive our escrow refund check in the amount of {$1500.00}. We have called Lakeview Loan Servicing on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, and now XX/XX/XXXX. Each time we have been lied to regarding the refund status. Excuses have included representatives claiming they are submitting new refund requests only to find out during the next call they never did send in the request. We have also been told multiple times they are issuing a check and we should see it in 7-10 business days and the check never shows up. We have also updated and verified our current address multiple times, since they first claimed the check was sent to old address, which also had a forwarding service set up.

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 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
Im a costumer of Discover card for two years And just find out they are taking advantage of me over charging my account with late fees when I always pay my account on time. Am not being reported late to the credit Bureau but discover card always charge me a {$39.00} dollars fee every month and its illegal for them to do so when and not late and appear to be late in the credit department, I just find out they been doing this for more than a year so I need your Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I leased a XXXX  XXXX XXXX  back on XX/XX/2017. 

Upon leasing the car, i set up a direct debit payment plan so i would not of had to manually pay each month. 

In XXXX of 2017 i received a notification that my first payment was not made although i set up the auto debit. 

I reached out to Honda numerous times throughout the last 2 years to remove the derogatory mark from my credit report, although they have owned up to their mistake, my credit report still shows the derogatory mark of one late payment of XXXX. 

I supporting documentation from Honda stating that they removed their late and that i do not have a derogatory. I then had to mail this form along with an explanation and a bank statement to XXXX, XXXX and XXXX. 

Please have XXXX, XXXX  and XXXX remove the mark, thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES has been calling me and harassing me non stop, they are disrespectful, they ask for my personal information which I will not provide because I have never done business with this company, I do not have a debt with this company. They don't even tell me for what such " debt '' they are calling me about. Very disrespectful and shady.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX Quick Pay at CHASE has a very specific definitions of fraud : if you didnt authorize the financial transaction, it is fraud. If you authorized it, even if you got ripped off, it isnt fraud. Federal regulations require banks to fully reimburse any customer whose money is fraudulently stolen from an account. 
XX/XX/2019 I was taken by ambulance to XXXX XXXX Hospital in XXXX XXXX, California for emergency XXXX XXXX. On XX/XX/2019, while XXXX XXXX in the hospital, Ir was the victim of bank fraud via XXXX. {$740.00} was sent to a XXXX XXXX. I have never heard of XXXX XXXX and did not authorize these payments. Despite providing Chase with proof of hospitalization, the damage to my cellphone making use of that device by anyone impossible -verified by XXXX- Chase representatives acknowledging that had no knowledge of the transactions, did not authorize the transactions, nor was my cellphone used to make the transactions, Chase has refused to refund the money stolen from my account. 
" In cases where a consumers bank account or debit card have been compromised, and unauthorized XXXX payments made, consumers have rights under the Electronic Funds Transfer Act. '' -- As defined by XXXX, fraud is unwarranted transactions There is no question that the transactions to XXXX XXXX were NOT authorized. That is the sole criteria -- were the transactions authorized? NO, they were not authorized The fact that Chase can't figure out how the unauthorized transactions took place does not negate the essential point that these transactions were unauthorized. If law enforcement cant figure out how a sophisticated crime was committed, that doesnt mean no crime took place. Robbery, be it with a gun, a fountain pen or unauthorized access to a bank account, is still robbery. There was a known data breach prior to this incident in which my passwords were potentially compromised. I only became aware of this recently. Chase probably knew all along. 
Individual Chase employees have advocated for their institution to refund my money, but Chase says even though I didnt authorize the transaction, nor knew anything about them, they still refuse to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation