vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Hello, I have a student loan that is open since 1999. Two months ago Navient took over servicing the account. They are now reporting the account as open two months, which dropped my credit score. I called Navient and was told that I have to send a copy of all three credit reports to their Dispute address. There was no person to talk to on the phone. 

In the last 5 years multiple companies have serviced my loan including XXXX and XXXX. Neither of which misreported the date that my student loan opened. 

I've sent a copy of all three credit reports to my Navient 's address. I included a printout of the Sallie Mae overview of my student loans - which clearly state that the account opened in 1999. 

What else am I supposed to do? How long do I have to wait to get this problem corrected? More importantly, why is the burden on me to run around and correct the problem. The Navient person told me on the telephone that she could see that the account initiated in 1999!! This company should be held accountable. 

Also, I called one of the reporting agencies directly ( XXXX ), the person on the telephone told me that I don't have any accounts open with Navient! So I have no idea what name they are reporting under.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One in XX/XX/XXXX and spoke with a representaive about removing an account from my credit report after I pay it off because I am in the process of buying a new home and this is the last thing holding me back for approval. She said that after it was confirmed paid to give it about 30 days and if it wasnt removed then Capital One would then file a dispute to have it removed. I hung up after remembering I did not get her name or i.d number so I immediately called back. When I called back I talked to representative XXXX and she said that information that was given to me was false and she couldnt help me. I called back on XX/XX/XXXX and I talked with supervisor XXXX and asked her to pull up the call so that she can hear the misleading information that was given to me by one of her workers. She said she did not need to pull it up and that she was sorry for that representative giving me the false info but she can not help me get it removed from my credit report.She said that was a mistake and there was nothing that she could do even if that was promised to me by her company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
I have called the company listed on the credit bureau and they either dont answer, Im transferred to an agent that hangs up on me, they havent disclosed the origination of the debt, and repeated attempts and based on the amount lead me to believe it is an old debt that was either paid by insurance for healthcare or it was discharged in bankruptcy. The dates and times of calls along with the creditor details are below. It has been reported on my credit for over three years and it continues to accrue interest and negatively impact my credit. Ive even offered to pay it and was hung up on. 

Grant & Weber XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX - called - answered then transferred to busy signal XX/XX/XXXX - XXXX. Called - spoke to a lady transferred and no answer. Called back and office was closed. 
XX/XX/XXXX - XXXX. Called. Spoke with XXXX who stated he was the only one to speak with and when I asked about the debt and requested documentation of the debt he hung up. 
XX/XX/XXXX. Called. Answered then busy tone. Called back and it rang without and answer. Called back again and office was closed. 
XX/XX/XXXX. Office closed XX/XX/XXXX. No answer. 
XX/XX/XXXX. Left voice message. No call back, ever. 
XX/XX/XXXX. No answer. 
XX/XX/XXXX. Called and spoke with a nice lady. She looked me up and stated there was an agent to handle it. Transferred and spoke briefly with a guy who was extremely rude when I asked about details of the debt. I supplied all my contact details and verified who I was - he wouldnt supply details other than it was for a hospital visit and it was definitely owed. Needed to be handled immediately or court action would ensue. Then hung up. Called back - no answer. 
XX/XX/XXXX. No answer XX/XX/XXXX. No answer.

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 2018-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems Inc, on behalf of XXXX started garnishing wages from my account for a XXXX XXXX on XX/XX/XXXX for the amount of {$260.00}. After the garnishments started, I paid the balance off in full with a one time payment on XX/XX/XXXX. In the process of them processing my loan payment, they deducted an additional {$270.00}. I contacted Transworld and an refund was issued for {$270.00} on XX/XX/XXXX. I deposited the check last week ( XX/XX/XXXX ) with XXXX XXXX, and I was informed on XX/XX/XXXX that the check did NOT clear. I repeat, Transworld sent me a refund check that bounced. I contacted them 5 times over a three day period -- from Tuesday evening XX/XX/XXXX ) to Midday Thursday ( XX/XX/XXXX ) -- and I get the same answer from every customer service rep ... email the supervisors. I have emailed the supervisors with a copy of the check and left a few voicemail messages and I have yet to receive any response. So as it stands they basically took me for {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: MI

Complaint narrative:
In XXXX I filed Chapter XXXX  bankruptcy and was discharged that same year. In XXXX I noticed a collection that was on my Transunion and XXXX reports. This collection has an opening date of XXXX. This is false. The original creditor, in XXXX, gave me a personal loan. This loan was included and discharged in my bankruptcy. I provided this information to both of the above mentioned credit bureaus in XXXX. Again, this year they allowed this collection on my report. I disputed with Transunion and was advised the information they are reporting is correct. I have received zero information from Transunion or the collection agency. I have received no paperwork, no validation of debt, etc. If the collection agency were to even have proof it is dated for XXXX ( not XXXX ) and they are not the original creditor. The collection agency 's name is, XXXX XXXX for " XXXX XXXX XXXX ''. I have never heard of XXXX XXXX XXXX not have I taken out any loan with this company. They are indicated the opening date is XX/XX/XXXX. This is fraud and this information is false. How are these companies allowed to put things on your credit and lie and despite showing proof to the credit bureaus they don't care. Their resolution was that " the information is accurate ''. Where is the documentation proving that. There is nothing with a XXXX date because that is a lie that Transunion and XXXX have allowed on my credit.

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 2018-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Dear Medical Data System INC After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX//2017 I am  requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

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 2018-06-14 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: FL

Complaint narrative:
These 10 accounts have been sold over 8 years ago ; to XXXX. I have been in good standing with XXXX. However, these 10 accounts with XXXX are showing XXXX  balances, but negative reporting. I have never made any payments to them. Because, i was still in school when the loans were sold. I contacted XXXX. And, the man that answered the phone told me to dispute it and they would not fight it. XXXX  and XXXX deleted the accounts. But, I guess they are not communication with XXXX. these accounts are older than the 7 years to fall off. But, Equifax is refusing to delete them. And, the 10 negative reporting ; is hurting my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
-XX/XX/XXXX, I submitted certification of my employment with a PSLF eligible employer. 
-XXXX XXXX, I was notified by my old loan servicer, XXXX, that my Federal Loans would be transferred to XXXX. I was told the terms and payment. schedules would not change. 
-XX/XX/XXXX and XX/XX/XXXX payments are not auto-drafted from my bank account. The payment schedule has been lost in the transfer. 
-XX/XX/XXXX, I spoke to XXXX at XXXX XXXX XXXXXXXX ( ID : XXXX ) and I am informed that a review of my PSLF payments can be requested and would require 30 days to receive credit for the missed payments. I also asked to be switched to a PSLF eligible payment plan for which XXXX initiated a 10 year standard repayment plan. 
-XX/XX/XXXX, XXXX ( XXXX ) informs me that the PSLF review will now take 90 days -XXXX, XXXX  ( XXXX ) informs me that the current payment plan recommended by XXXX was not PSLF eligible. He also informs me a PSLF review takes 120 days. I inform him that 120 days has already elapse. He offers no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: Cawley & Bergmann, LLP
State: TX

Complaint narrative:
I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XX/XX/XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; XXXX responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with XXXX, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from Cawley and Bergmann reflects a different account number for the same account that XXXX is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is XXXX still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is Cawley & Bergmann offering a settlement on an account that is not verifiable? 

For the second account, XXXX merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XXXX XXXX states that a payment was due on XX/XX/XXXX, then how can XXXX say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that XXXX has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! XXXX nor Cawley & Bergmann provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, XXXX failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable. 

This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I have a complaint against XXXX XXXX and AAFES. I am in receipt of a statement dated XXXX XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for AAFES collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at AAFES. The system told me to call a different number which I did. At that point I was connected to XXXX XXXX. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.

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 2018-06-14 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: MI

Complaint narrative:
In XXXX I filed Chapter XXXX  bankruptcy and was discharged that same year. In XXXX I noticed a collection that was on my XXXX and Equifax reports. This collection has an opening date of XXXX. This is false. The original creditor, in XXXX, gave me a personal loan. This loan was included and discharged in my bankruptcy. I provided this information to both of the above mentioned credit bureaus in XXXX. Again, this year they allowed this collection on my report. I disputed with XXXX and was advised the information they are reporting is correct. I have received zero information from XXXX or the collection agency. I have received no paperwork, no validation of debt, etc. If the collection agency were to even have proof it is dated for XXXX ( not XXXX ) and they are not the original creditor. The collection agency 's name is, XXXX XXXX for " XXXX XXXX XXXX ''. I have never heard of XXXX XXXX XXXX not have I taken out any loan with this company. They are indicated the opening date is XX/XX/XXXX. This is fraud and this information is false. How are these companies allowed to put things on your credit and lie and despite showing proof to the credit bureaus they don't care. Their resolution was that " the information is accurate ''. Where is the documentation proving that. There is nothing with a XXXX date because that is a lie that XXXX and Equifax have allowed on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX the following accounts were taking off my credit report XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX On XX/XX/XXXX all the items were put back on credit report.

In accordance with the requirements of the FCRA s

e ction 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. This is very serious violation of the FCRA. These
items need to be removed off of my credit reports 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 non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Received a XXXX with the Letter F in identifiable event, Box 6 F- Means by agreement according to the XXXX form.

1 ) I have never had an agreement with either OCWEN or XXXX XXXX XXXX XXXX, Please provide me with the agreement. Please provide proof of Agreement. 

2 ) Box 7 it says Fair Market Value XXXX  ( XXXX  ) How did they come up with this? What is it based on? please provide proof 3 ) Box 2 XXXX amount Discharged. 
How was this number acquired or reached? 
What documentation can you provide to verify the accounting? Please provide proof 4 ) Box 1, Date of Identifiable event XX/XX/XXXX. 
How was this date entered based on what facts or documentation, please provide proof 5 ) Whose Creditor Federal Identification Number is XXXX, Please provide proof of funds that were Lent and for what purpose. What Agreement I had with them as a Creditor, Borrower, Show me proof of any Money, funds that I Received or borrowed on my behalf provide check Numbers, accounts, accounting of where, when, how money was transferred and for what purpose. 

6 ) Account Number - Whose account number or Numbers are these?

How are they associated with Me?

5 ) Box 5 Was left unchecked? it says if unchecked, the debtor was personally liable for repayment of Debt.

Definition of Fraud : Intentional deception, resulting in the injury to another.

If I was not liable, then How did I have an Agreement with the company or companies submitting this false document to the IRS and Me Via US Mail constituting Mail Fraud 18 U.S.C. Section 1341, the two elements have been provided 1 ) having devised or intending to devise a scheme to defraud ( or to perform specified fraudulent acts ), and 2 ) use of the Mail for the purpose of executing, or attempting to execute, the scheme ( or specified fraudulent acts ) Schmuck v. United States ,XXXX U.S. XXXX ,XXXX XXXX. XXXX ( XXXX ) ; see also XXXX v. United States ,XXXX U.S. XXXX ( XXXX ) ( " The elements of the offense of Mail Fraud under ... 1341 are ( 1 ) a scheme to defraud, and ( 2 ) the mailing of a letter, etc., for the purpose of executing the scheme. " ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail and Wire Fraud ,31 AM. Crim. L. Rev. 703,704 ( 1994 ) ( cases cited ) I was monetarly and emotionally injured by the mailing of this document and others associated  to it and by these companies. 
I am asking for The Attorney General to File a Quo Warranto Action on behalf of the Citizens and consumers of the United States being taken advantage of and being deceived by these companies causing financial damage and loss of trust in the Financial stability of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
EQUIFAX and XXXX have repeatedly removed the XXXXXXXX XXXX  CARD MEMBER S account from " Included in Chapter XXXX Bankruptcy '' status to negatives statuses and now they are reporting it as an " OPEN ACCOUNT '' and both agencies continue to re-age the " Date Reported : XX/XX/2017 ''.

Company response to consumer: Closed with non-monetary relief