vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The company has written the loan off as defaulted on my credit report. I received several calls from them during a time where I had no employment and was unable to make any payments toward the loan. The calls began in  XXXX  and ended in  XXXX . I now have another bad mark on my credit report becaus e Navient w ould not give me any options other than a : Pay full amount b : pay monthly payments c : pay a settlement amount.     Obviously I was unemployed so I was unable to fulfill any of these options. I was not given any options in regards to putting the loan into forbearance or income based options. As a matter of fact I was advised that the loan did not qualify even though it was a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX that there was a change to my credit report. It stated between XX/XX/XXXX and XX/XX/XXXX, a new account in collection was added to my report. The collection agency is SYNERPRISE CONSULTING SERVICE INC.  The original creditor was XXXX XXXX. I received a letter from XXXX indicating that I owe them {$340.00} for some labs that they had taken from me. I contacted XXXX and told them the amount of debt and the description of the test that they had included was a lie. The agent whom I talked to on XX/XX/XXXX told me to fax the orders I had received from the clinic I had visited on XX/XX/XXXX. I did that and she said the issued had been taken care and I will be no longer receiving any such allegations from XXXX or any other Agency. On XX/XX/XXXX I received a letter from Synerprise Consulting Services Inc stating the account has been referred to them for collection activity.
I have contacted Synerp
rise through telephone but no one answers my calls. I wrote a letter requesting Account Validation no one has mailed me any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have several companies that have been pulling my credit without authorization. I am not using them for anything, so it is not necessary for them to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NM

Complaint narrative:
I have a loan with  Seterus. My previous lender and I had a dispute over late fees, which was never resolved. Seterus sent me a letter, offering me a 50 % discount if I paid those late fees by the expiration of the notice.  Unfortunately, they sent me this letter 30 days after the letter was dated, so the offer expired next day. I called Seterus and asked if I could pay it via telephone. The agent advised me that I could, but only if I scheduled my mortgage payment at the same time. I asked if there will be a fee, either to accept their offer and make payment via telephone, or to schedule my mortgage payment. the agent said, " No '' to both. I went ahead and paid the {$83.00} which was the amount of their settlement offer, and  three days later I noticed that they had deducted from my bank account {$93.00} instead. They have a lso charged me another {$10.00} to schedule the mortgage payment. In addition, when I received my statement the following month, all the late fees were still added to my account. I have contacted  Seterus, but their nasty, nasty CSRs, keep me on the phone for 45 minutes to one hour and do nothing about m y issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I sent a letter to Paragon revenue group asking them to validate these  XXXX  medical bills of {$280.00} and  XXXX  that are not my debts. I have heard nothing back from them. It 's been 30 days. The  XXXX  for {$75.00} was opened on  XXXX   XXXX ,  XXXX . The other {$280.00} opened up on  XXXX ,  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NM

Complaint narrative:
I have called  Seterus, Inc  XXXX   XXXX  times trying to obtain paperwork for a Recast. I am trying to make a large payment to my mortgage because doing business with Seterus is a nightmare!! They refuse to let me make a large payment to the principal loan, and have denied the paperwork to me. I need to make a large payment immediately, but they are not willing to take it. I know that my loan does not have a prepayment penalty, and they should let me pay what I want to pay to my loan. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I  have sent Midland Funding  letters on different occasions. The dates are as follow  XXXX   XXXX   XXXX  ,   XXXX   and they are claiming I owe {$590.00}. I keep asking them to provide me with a contract with my signature on it and they clearly have n't but yet keep claiming the account is verified..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have several companies that have been pulling my credit without authorization. I am not using them for anything, so it is not necessary for them to pull 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 explanation
Consumer complaint received 2017-05-22 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: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
I have several companies that have been pulling my credit without authorization. I am not using them for anything, so it is not necessary for them to pull my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: NY

Complaint narrative:
I have been disputing incorrect information on my equifax credit report for a long time now. There is an account that is reporting (   XXXX   XXXX   ) as a charged off to a bad debt. This information is completely wrong and it is affecting my credit score in a negative way. I paid this account in full back in the year of   XXXX   in the amount of {$380.00}. The company has since gone out of business so equifax keeps telling me that they have 30 days to respond. There is no way for them to verify this information at this point anymore because the company does not exist so by eqifax telling me that they verified the information as correct is wrong information and they refuse to delete it off my report. To top this off this account should have never gone to collection/charge off to a bad debt because I paid it in full. Now tonight I tried to go online to re-dispute this account again and after filling out all the personal information the system will not allow me to gain acess to my credit report. Having this wrong information with this account on my equifax credit report is affecting my credit score in a negative way and affecting me in obtaining substantial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
I have received an incorrect bill. They have called me, giving me an ultimatum, and telling me they would affect my credit. This seems to be harassment due to the below history. History : XX/XX/XXXX- I petition health benefits from the Social Security Administration ,  receiving a response saying I do not qualify. XX/XX/XXXX- I go through a XXXX procedure at XXXX XXXX XXXX XXXX XX/XX/XXXX- I receive a bill fro {$480.00} of charges, totaling {$1900.00} where XXXX would cover {$1400.00}. XX/XX/XXXX- The coverage by my health insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ended. XX/XX/XXXX- The coverage from XXXX XXXX XXXX XXXX XXXX , began XX/XX/XXXX- I paid the bill of {$130.00} for the total charges of {$290.00} where XXXX covers {$210.00} XX/XX/XXXX- Agreed for a payment plan to pay the balance of {$480.00} in 10 payments. I completed these payments between XX/XX/XXXX and XX/XX/XXXX.
XX/XX/XXXX- I received a bill for {$680.00} XX/XX/XXXX- I had a conversation with a representative at XXXX where I explained that this payment doesnt correspond to me, since I had already paid my {$500.00} deductible, and it is the responsibility of XXXX to pay that bill. I also added that it was very inconvenient that they were creating differing statements. XX/XX/XXXX- I receive a notice for the Collection Agency requiring the payment of {$680.00}. XX/XX/XXXX- I receive a telephone call from the Collection Agency ( XXXX  XXXX ) where I explain the inappropriateness of this bill. I then sent all the records and history of this issue. XX/XX/XXXX- In other conversations where I myself called XXXX , they agreed to pay this charge ( even if I dont have coverage with them at the moment ). The only condition they placed is that I send them a letter from the Social Security Administration stating that I was not qualified for XXXX. I obtained that letter, I sent it to XXXX and a copy to the Collection Agency. We agreed to wait for a response. XX/XX/XXXX- I received another notice from the Collection Agency requiring the above-mentioned bill amount, this time with very harassing notes, without any attempt to speak and communicate with me over the our previous agreement of waiting for a response from XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VANGUARD FUNDING LLC
State: CA

Complaint narrative:
Vanguard  will not release information on an account that I had set up with them years ago based on the fact that I do not remember the email address used on the account. I have verified that I have the correct Social Security number, the address used on the account and the name.  One  confusing factor here is that I am a  XXXX  but the account  may  not have that suffix attached to it.      Vanguard  has stated that since I can not remember the email address they will not give me information on my account. I honestly can not remember the email address used. Also since I no longer live at the address in question I have no way of getting statements that are supposed to come to me.     This is a problem since I can not get the account number so I can not update the account. All of this because I can not remember the email. The social security number is correct and is a more important detail.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I recently purchased a home. Throughout the process I was aggressively steered towards unhealthy loans b y Quicken Lo ans and    XXXX   XXXX   XXXX  . Those two  companies pushed me towards  high APR FHA loans with the lowest down payments against my very strongly worded in terests in paying a higher down p ayment. The loan officer I spoke with at Quicken Loans seemed to make a specific effort to avoid discussing  the APR of the loan she wanted to push other than over the phone. My overall mortgage shopping experience greatly concerned me, especially when put in the context of the anti-steering disclosure I eventually received at closing of my conforming mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Skopos Financial, LLC
State: SC

Complaint narrative:
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further whic h may re sult in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on Transunion and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further which  may  result in a lawsuit.

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 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  Equifax  but still reporting as an closed account on Equifax, and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further w hich may result in a  lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on  XXXX  and also on Experian. This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further w hich may resu lt in a lawsuit.

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 2017-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Checking account with Bank of America. Continued to allow withdrawals on my checking account that were not authorized, which caused numerous additional charges to my account. I went to the bank and was unable to resolve the situation after waiting 2 hours, with an appointment. I withdrew all my money and they would not allow me to close account. Now they sent a letter saying my account is closed and I owe {$600.00}. Then they mailed me a new debit card? I had to go to another bank. This is going to end up going on my credit report as a not paid account.

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 2017-05-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom this  may  concern, I write this complaint to seek clarification regarding information reported to my Equifax credit report. Quite illogically, my Equifax credit report is reporting what appear to be identical records on multiple occasions - artificially inflating the number of credit accounts on my credit report.     Specifically, as can be seen in the attached document, accounts with the   XXXX   XXXX   XXXX  / XXXX  and   XXXX   XXXX   XXXX   XXXX   are reported in what appears to be a duplicate fashion. Which, notwithstanding other potential problems, constitutes a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: Nelnet, Inc.
State: CA

Complaint narrative:
To whom this may concern, I write this complaint to seek clarification regarding information reported to my XXXX credit report. Quite illogically, my XXXX credit report is reporting what appear to be identical records on multiple occasions - artificially inflating the number of credit accounts on my credit report. Specifically, as can be seen in the attached document, accounts with the XXXX XXXX XXXX/NELNET and XXXX XXXX XXXX XXXX are reported in what appears to be a duplicate fashion. Which, notwithstanding other potential problems, constitutes a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: KS

Complaint narrative:
I sent certified letters to discover card requesting verification and proof of said credit card account on XX/XX/XXXX, no disputes were filed with any of the credit reporting agencies, XXXX XXXX or XXXX Discover card did not report the dispute nor respond in the required 30 days, verified. Again in XX/XX/XXXX again another letter send to Discover Card requiring them to send me the verification of proof or the said Discover account and all transactions with signature etc. Nothing again reported to the XXXX credit bureaus and letter was sent certified and again no response within the require 30 days. Again on XX/XX/XXXX letters sent again on verification and proof on said account by certified letter. A gain no respons with said verification of prrof and no reporting to the credit bureaus with in the require 30 days by the FCRA 623 ( a ) ( c ) Discover card instead has sent the said account to XXXX XXXX Attorney at Law XXXX XXXX XXXX, XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX XXXX in an effort to bully me and my position on the said account by Discover Card. XXXX XXXX had all of a sudden filed the dispute for Discover Card with the XXXX credit bureaus after 6 months, beyond the 30 days require by law and after much stress on me and causing harm to my credit. Discover card has still not provided any original proof of my original signature nor has cooperated in sending me all copies of the said purchases, detailed with what was purchased and dates. Discover Card can bully most consumers and destroy their credit and charge outlandish fees to the consumer. Clearly Discover Card has no remorse for their actions nor lack of ability to furnish any actual original proof Of said account. The law firm is clearly trying to use scare tactics and I remain firm in my resolve against both Discover Card and their illegal misuse of the system disregarding the FCRA 623 ( a ) ( 3 ) FDCPA section 807 ( 8 ) FCRA 623 ( a ) ( c ). XXXX XXXX has court seeking judgment against me XX/XX/XXXX without providing any original proof of said account and I will not let this law firm or Discover bully me as I have shown up three times all to be moved to a later date causing me more missed time at my job, more stress and longer credit damage. Discover Card is a deceitful company to the consumers and defrauds and misuses its place in the Credit Card world to the consumers.

Company response to consumer: Closed with explanation