vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Services is committing fraud to their investors. They are purposely making it impossible to complete the short sale process so they can collect servicing fees. 
This is a follow up of Complaint XXXX and XXXX. 
They are purposely making in 100 % impossible to complete a short sale on a property by creating a process that can never be completed. I have called them over 50 times and they fabricate lies and make up requirements daily on needed documents. Someone needs to investigate this company for fraud. They are purposing making it 100 % impossible. They will review the file and ask for the same document 4 and 5 times. We are not talking about any updated documents, the exact same document 4 and 5 times. They claim one moment to have everything and then they claim they are missing a document you have sent them 5 times. Then they will come back and say " well we just got all the documents so we need time to review. '' They constantly go in circles and they do this 100 % on purpose so they can stall or kill the deal in order to keep receiving servicing fees. I am a XXXX, I am highly educated and not a stupid person. This company is committing fraud on their investors. 
Todays example : After 45 days of repeated stall tactics They told me on the XX/XX/XXXX they had every document. I have called them every business day since XX/XX/XXXX and they have told me they need time to review. Today XX/XX/2018 I called and asked for a supervisor and their ombudsman named XXXX XXXX. She told me today after waiting 2 weeks that they need the listing agent ( me ) broker opinion of value. I told Mrs XXXX that I have supplied this document 5 times. Yes 5 times. This is exactly what I have been filing complaints to the CFPB. She then open the file and says, " oh here it is '' and proceeds to tell me it will now take 72 hours to confirm they have the document at the short sale department. 
They are doing all of this on purpose. They are defrauding their investors because they want to collect servicing fees and don't care if the deal closes. Their only motive it to make sure no one can close a short sale. It is imposable. I have been working on this since XX/XX/2018. They are committing fraud. Please investigate this company. I have submitted similar complaints to the Federal Reserve. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I went to purchase an auto with XXXX XXXX XXXX NY XXXX XXXX on XXXX On XXXX on my credit file there were another 4 inquiries from different creditors that I did not give authorization to run credit reports on me. Inquiries are held for 2 years and they affect you credit score. I did not give all this institutions any signatures for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I leased an XXXX in XXXX for 48 months. I have purchased two vehicles since then. But this old lease information keeps reappearing on my credit report. This is an old paid account. This should not report that I still am in possession of this vehicle since XXXX. Please remove the vehicle fro My report. I have not been responsible for or in possession of this car since XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX XXXX XXXX HAVE INSERTED A COLLECTION ACCOUNT IN THE AMOUNT OF {$390.00} AS OF XX/XX/2018. THIS ACCOUNT DOES NOT BELONG TO ME AND IS A RESULT OF IDENTITY THEFT. XXXX IS REPRESENTING XXXX XXXX XXXX   WHO IVE NEVER HAD ANY OBILIGATION TO PAY NOR HAVE I EVER HAD ANY DEALING WITH XXXX OR WITH XXXX XXXX XXXX SO HOW IN THE HECK COULD I POSSIBLE OWE EITHER ANY MONIES. I HAVE NEVER HEARD OF EITHER COMPANY UNTIL MY REPORT WAS REVIEWED. XXXX NEVER EVEN SENT A NOTICE TO LET ME KNOW THAT THIS ACCOUNT WAS BEING INSERTED INTO MY CREDIT FILE OR LET ME KNOW THAT I HAD A RIGHT TO DISPUTE BEFORE IT WAS INSERTED. XXXX HAS VIOLATED THE LAW. I HAVE NEVER EVEN SIGNED ANY FORMS TO RELEASE ANY MEDICAL INFORMATION TO ANY COMPANY AS THIS IS NOW A VIOLATION OF HIPPA. XXXX HAS NOT SIGNED CONTRACT OR LEGAL DOCUMENT BEARING MY SIGNATURE THAT THIS ACCOUNT IS MINE.

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 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Help : i keep getting harassing letters from capital one. please make it stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC
State: TX

Complaint narrative:
I have contacted XXXX XXXX credit regarding accounts XXXX IN THE AMOUNT OF {$2000.00}, XXXX IN THE AMOUNT OF {$920.00} and XXXX IN THE AMOUNT OF {$2000.00} on 4 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX XXXX whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Tried to open new checking and savings. Was denied and the referenced the security freeze I have with XXXX  and that I needed to lift it first. 

First of all, I have an alert, not a freeze. They didn't even understand the basic terminology and the ALERT is there for good reason. I'm not changing that ALERT. Most companies ask security questions from my credit report and go from there. These people were unprofessional and intended on ESCALATING the situation further when I was already clearly upset.

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 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX credit regarding accounts XXXX IN THE AMOUNT OF {$2000.00}, XXXX IN THE AMOUNT OF {$920.00} and XXXX IN THE AMOUNT OF {$2000.00} on 4 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX XXXX whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.

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 2018-08-07 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: CA

Complaint narrative:
A loan of XXXX was automatically transferred from XXXX to American Education Services. Their first automatic payment was extracted at around XXXX dollars, which is my regular payment when other services held it. Then second month with AES, I receive a letter that they will be pulling XXXX on a XXXX amount with 6.8 %. How does that even add up? Through more than 3 servicers, the amount has been a consistent XXXX something per month. I started doing research on them and it appears that I am not the only one to experience this attempt at delaying payments due to hiked amounts in order to cash in on late fees. I am fortunate that I am in a position to just pay it off in one chunk right now so I don't have to deal with them. This way since I am paying it off all at once, they don't even get a chance to try and collect anything extra out of me such as inexplicable extra payments, fees, etc. I feel sorry for the others out there reporting it. Some are trying to bind together for a class action lawsuit. I think this warrants looking into.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Tried to open new checking and savings. Was denied and the referenced the security freeze I have with Experian and that I needed to lift it first. 

First of all, I have an alert, not a freeze. They didn't even understand the basic terminology and the ALERT is there for good reason. I'm not changing that ALERT. Most companies ask security questions from my credit report and go from there. These people were unprofessional and intended on ESCALATING the situation further when I was already clearly upset.

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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am submitting this formal complaint to report the very, very, very abusive tactics of Hunter Warfield Inc. 

I was shocked when I called to inquirie about a debt of {$230.00}. 

I also clearly verified myself and stated clearly " I AM CALLING TO REQUEST SOME TYPE OF FAIR SETTLEMENT TO PAY THIS OFF AND CLOSE THIS OUT COMPLETELY ''. Apparently, I was billed for a little over {$120.00} that I was completely unaware of and this company has added exhorbent, unreasonable fees. 

I simply asked them to make a FAIR ADJUSTMENT so that I can pay this fair amount off. 

I am shocked that I was met with being BULLIED, LIED TO, HUMILIATED, PASSED TO ANOTHER AGENT WHEN I ASKED FOR A MANAGER. 

XXXX XXXX AND XXXX XXXX XXXX alias if not real names made every effort to Badger, Belittle, Provoke me, Disrespect me, Misrepresent the simple facts of payoff request discussion. Worse of all they continued to demand the address of the Safe house or Women 's shelter that had to assist my leaving a dangerous, life threatening situation. 
I offered my police report, crime victims address- but they kept badgering and so disrespect me. I was shaken over a simple matter and simple request for fair final payment request. I even asked over and over what amount might I pay to FULLY RESOLVE this and XXXX it. ( I only owed one other creditor. I called them-they faxed settlement letter, I paid full amount as agreed ) ; but, Hunter Warfield agents are dogmatic, ABUSIVE, demeaning and disrespectful while I WAS TRYING TO PAY A FULL FAIR SETTLEMENT TO XXXX THIS.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I owed {$14000.00} back in XXXX since I didn't get resonable payment option. My loans have been placed on forbearance knowing it's going to benefit them. Now in XXXX I'm in {$30000.00} debt due outrageous interest on the principal. They refuse to give income based payment. I was told I'm not qualified for the program. They refused to reduce the monthly bill. I can't afford it meanwhile I still owed {$15000.00} school fees currently pending. I need a full detail of why my original loans double. Please investigate on my behalf. I'm drowning in the educational debt but I didn't graduate yet because my current wouldn't let me register unless I pay the tuition in full. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: OH

Complaint narrative:
XX/XX/2018 total of {$430.00} which was included in a bankruptcy. I do not owe this dell debt. Once applied to credit it affect my credit score with a decrease off 100 points. This is not my mistake and I want it removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Lexis Nexis ( LN ) violated my rights. I requested a investigation LN retrieved the request and communicated my request to the three credit bureaus. The credit bureaus did not respond. LN did not receive a response in 30 days. LN sent a letter regarding no response. FCRA states that if no response in 30 days LN must delete. LN violated my rights and did not delete the information after 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been disputing student loans on my credit for some time now. I've sent in disputes to Sallie Mae, Navient and now the Dept. of Education asking for detailed information on the loans. I have yet to receive any information and Navient has now added more accounts on my credit report - 4 to be exact. They closed the Navient accounts and are now reporting them from the Dept. of Education making it appear as if i have 8 accounts when indeed i do not. Navient/Dept. of Education has refused to send me an itemized statement and bill. I have requested this in writing and over the phone. They have refused to help help settle the debt and consolidate the four small loans. Everytime i made a payment in the past they would process the payments incorrectly making it look as if i made no payments at all. They have provided me inaccurate and incorrect information several times, leading me to believe the loans are not accurate and have been sold and or re-written. Navient is accused of unlawful acts and practices in connection with Defendants servicing and collection of student loans. Please add me to This CLASS ACTION suit, Navient is the Servicer of the loans listed below.The loans have been sold with fees added are as follows : XX/XX/XXXX XXXX - {$1900.00} ; XX/XX/XXXX XXXX - {$3500.00} ; XX/XX/XXXX XXXX - {$1700.00} ; XX/XX/XXXX XXXX - {$1500.00}. All reporting multiple times on my credit. My ask is that this be disputed with the Navient/Dept. of Education and asked to verify with detailed signed copies of the contracts. If they are unable to provide the information please have this inaccurate information removed from ALL credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Theres a levy on my account and the bank refused to remove it. The IRS contact my bank and told them to remove the levy. I cant use my account its in nagative {$1400.00}. Their playing games and giving me the run around. Please resolve this issue. My bank is Bank Of America and XXXX XXXX. I have been a member for several years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Montgomery County Credit Bureau
State: TX

Complaint narrative:
I am a victim of identity theft. Im XXXX  all on my credit due to this. I need help and its hard because Im very sick and unable to do this alone.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
IN REGARDS TO : ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX MD XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO THE BUREAU XXXX   LETTING THEM KNOW THAT I'M A VICTIM OF IDENTITY THEFT. AS WELL AS FORGERY HAS BEEN COMMITTED AND THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE I EVER HEARD OF THEM. 
Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding inaccurate FRAUDULENT account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. 

This is my last request to your company to follow the law and REMOVE THE IDENTITY THEFT ACCOUNT FROM MY CREDIT REPORT AS IT DOES NOT BELONG TO ME. I HAVE FILED POLICE REPORTS WITH THE OFFICERS SIGNATURE AND POLICE REPORT NUMBER AND I HAVE SENT THEM OVER TO THE BUREAU XXXX  AND THEY HAVE STILL FAILED TO COMPLY WITH THE LAW AND REMOVE THE ACCOUNT. I'VE EVEN SENT IT TO THE DEBT COLLECTOR AND ONE MAIN AND THEY HAVE NEVER RESPONDED BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX reported that I failed to pay in XX/XX/XXXX on account that was closed in XX/XX/XXXX and included in my chapter XXXX bankruptcy. I disputed this information with Experian in XX/XX/XXXX and they responded back that the information reported on my report was wrong and they corrected it. The next day the wrong information was put back on my credit report. I then contacted Experian about the problem on the phone and they agreed they were in the wrong and would delete the information after a new dispute. Again they investigated the information and removed the negative mark, then the next day it was put back on my report. 

I believe Experian is now in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) for reinserting this incorrect information, not once but twice.

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 2018-08-07 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was told by a rep over the phone with American Express that I would not incur a hard credit pull to simply add my nephew as an authorized user to my account. I didn't request a credit line increase, just simply wanted a second card. I submitted the request and the second card was issued along with a hard credit pull. I asked a second representative via American Express website and was again told a hard pull would not occur. I have pics of the chat! The reps name is XXXX and on XX/XX/2018 XXXX he said " You will not receive a credit inquiry for either requesting an upgrade, or adding an Additional Card Member to your existing account. However you may receive credit inquiry if you apply for a New card account. '' dispute the inquiry with the agencies, and send a polite letter to American Express asking the inquiry be removed and they sent a letter back on XX/XX/2018 and refused to do so. Can you help? Im trying to buy my first home and this is hindering me. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX will not move inaccurate info that the other company have also ftc violation and police violations sent hpd and fair credit act XXXX had the never to say my police reports were fame whey dont they call me and we can go up there together and ask the police department if they were real!!! i'll pay for the trip to XXXX but if they are real i get all the pain suffering and lost income and i get to file XXXX insurance policy hippa violaiton XXXX XXXX are using unfairl pratices to ftc vilation and fair credit report act an hippa

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