vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I paid the last loan balance to Oportun ( Oportun/XXXX ACH XXXX Tel ID : XXXXACH debit {$110.00} ) and I also paid ( Oportun/XXXX ach XXXX TEL ID : XXXX ACH debit {$42.00} ) for the new loan of {$500.00}, the situation is that they, Oportun are calling the people that they asked me as a references to tell them that I owe money to Oportun and that they had not being able to contact me. That's not true because Oportun has my two phone numbers and even they can call me or text me to me, but Oportun never called me or sent me a text message telling me that I'm late with payments. The only call I received from them was in the month of XX/XX/XXXX, asking if I know XXXX XXXX, because he was applying for a loan with them. First of all, it is all a lie that Oportun is telling it to my references friends, that I have late payments and that they have not been able to contact me, especially I do not have any problem with making payments to them and my checking account shows that they collected the money and that's fine, now XXXX XXXX XXXX told me that it was a confusion and that they will try to fix the problem, all this happened, today XX/XX/XXXX, in an hour later I received a called from XXXX XXXX, my friend, that Oportun called him because they are trying to contact me and that they have not had any success in reached me, so I called Oportun again and let my friend listen the conversation, and he found out how bad Oportun is doing with me, again the guy from Oportun said everything was fine. Those calls that Oportun is doing to my friends is putting me in a bad situation with them and this harassment is giving me so many headaches. I would like to be able to bring a legal action against them, but I do not know what my rights are that I have. So Im demanding that Oportun, pay me for the loss or waste of my time, the damages and prejudices that Oportun had having brought against me. Please, help me with this matters, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I received a letter today threating to report to my credit. I am a victim of fraud I also have no account nor Contract with XXXX XXXX XXXX or their client XXXX XXXX. Therefore reporting to my credit wouldn't be accurate since this isn't my debt. I do not owe this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Bankruptcy, discharged in XX/XX/2008, not being removed from TransUnion ( TU ) report. Informed TU, via website, of error and initiated request for info to be updated. TU shows no indication they have received my request nor have they removed the item from my report. 

Tried to mine TU website for more data, but only get pages with " Cancel '' or " Exit. '' Tried to contact TU via phone, but after 30+ minutes on hold, on a cell phone, gave 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 non-monetary relief
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: MO

Complaint narrative:
I received a letter today from XXXX XXXX XXXX regarding a account that has been submitted for fraudulent transactions, also a theft report provided. I have no contract with XXXX XXXX XXXX & don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
Received a settlement letter from the company, called to let them know this bill was paid to the original creditor back in XX/XX/2014. The Representative was very rude and boys that I should not have paid XXXX I should have paid them and its a valid da representative was very rude and boys that I should not have paid XXXX I should have paid them. And although I have disputed this matter with validation they continue to claim to credit bureau this is s valid debt, which negatively affect my rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
Harvard collection. Based on state of Illinois law. You can not try to collect on an overpayment for food stamps or tanf if 12 months has passed from the original time the overpayment was given. They stating they overpaid in XX/XX/XXXX- XXXX from XX/XX/XXXX-XX/XX/XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX.First notices did not go out until XX/XX/XXXX that I never received mind u I was still getting benefits. The last notice that was sent out was XX/XX/XXXX which I never received. They wait till XX/XX/XXXX to put this on my credit report which could have been done years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: IL

Complaint narrative:
Transunion has sent my credit report to an address I have never lived and they made the mistake twice this month. Now one of my accounts have experienced fraud twice this week. This is something that just started happening and Im not sure how it happened but Transunion had no business sending my credit report to an address that I dont live. An occupant of the other address provided me my consumer report if they had not I wouldve known it happened.

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 2018-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Unable to connect account with Qapital App

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
100 % HONESTLY TRUTH! 
Ocwen Loan Servicing Company and XXXX XXXX XXXX XXXX. 
Apparently, Ocwen came to my loan from out of no where- Ocwen has invaded my property located at ( XXXX XXXX XXXX XXXX XXXX FL XXXX ) ( XXXX ) XXXX ). That Property has two original owners : XXXX XXXX XXXX Years old and XXXX XXXX. In XX/XX/XXXX, Ocwen Made or signed a fake or an illegal loan modification. However, the original owners did not sign it. But, has altered both XXXX XXXX and XXXX XXXX signatures. I have explained that to Ocwen 's Ombudsman office numerous times. 

Me, XXXX XXXX Original Owner signed at the closing in ( XX/XX/XXXX ) have never ever seen the modification document until after 3 years. I told Ocwen Ombudsman office that was done wrong but, let 's fix it ; Ocwen has refused to give us another chance. My Loan balance was only {$60000.00} then it now ( {$120000.00} ). Ocwen has never wanted to accepted less than {$10000.00} from me as payments. As a result, I never paid but I have the money available to pay my monthly obligation. This month, without notifying me ; I found out my property will be sold XX/XX/XXXX. That is totally wrong and illegal due to the S.A.F.E, RESPA, TILA, and HARP of XX/XX/XXXX-XX/XX/XXXX. I have begged ocwen to accept my monthly payments but they refused in order to steal it from me. Ocwen and XXXX XXXX XXXX XXXX are roping me. I am a U.S Citizen and I need help please! I am also contacting News reporters like XXXX, XXXX, XXXX, and the local XXXX News to explain my situation! And then, Ocwen 's Lender Place Flood Insurance XXXX XXXX/XXXX did not even visit the House after Hurricanes Irma even though I reported a loss Claim. 

Thanks a million!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've repeatedly, over the last several years, been unable to pull the free annual credit report from Experian. Every year I get " A condition exists that prevents Experian from being able to accept your request at this time. '' and suggestion to send a letter in the mail. 

I've tried calling Experian in the past and gotten frustrated by the hold times, operating hours, etc. Never gotten through to a human, don't trust that a letter sent blindly will succeed, and don't like the idea that my credit report, with all that information, might be sent to me in the mail in the first place. 

I believe Experian has done this to prevent me access to my *free* credit report, trying to get consumers to pay for something they should not have to pay for.

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 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Debt has been paid in full

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 2018-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2013, this debt for { {$2700.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: GA

Complaint narrative:
Dear XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018. 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: TN

Complaint narrative:
I dont really have the dates anymore regarding the loan in question, but i due to circumstances surrounding the university i was attending i was told to contact navient to see about getting my loans forgiven as they had told me that i had been a victim of " predatory lending '' by that college. I called Navient to see what they could do and I had been numerous times that it would be 100 % forgiven. Not once did they ever say anything consolidation, refinancing, etc. I started the application process with them in and was told that the process would take a few months to be reviewed and to contact them again for a follow up and that i had to pay a fee for their service. I paid the fee and contacted them later on as instructed and was told again that my loans had been completely forgiven ( not consolidated or anything else ) and that i had nothing more to pay back. I had also been set up so that i can keep track of the loan process to which i would receive emails monthly showing that i no longer had a balance to pay and showed that Navient had taken over the loan. 

Navient told me that i would have to reapply to the program of loan forgiveness every yr so after the first year i reapplied online. Applying online was a little difficult so i contacted them to walk me through it and i was told to apply under an " income driven repayment plan ''. This struck me as odd so i asked why it wasnt applied as forgiveness to which they had told me that " this was just how to apply online and that it would still considered loan forgiveness, you will not have to pay back anything ''. I made sure to ask if there would be anything i had to make payments on and they told me AGAIN that i would not have to pay back anything regarding the loan. After finishing the application and ending the call with navient I went on as normal. Later that yr when the application process finished i received an email stating that i now have a payment to make starting at the beginning of XX/XX/XXXX. After seeing the payment i was now responsible for after being told time and time again that i would have anymore payments to make i contacted navient to see what happened. Im now being told that i did not apply for loan forgiveness and that it would take 15-20 YEARS to completely forgive. When i told them that i wasnt told about any of this they told me that i must not have spoken to any of their representatives which i know is false because ive been using the same contact for them the entire time. They also told me that they have no records of any calls between me and them prior to XX/XX/XXXX. Im now convinced that they will not cover the loans as promised but now the loan is close to being passed on to a collection agency and i keep receiving voicemails stating that if i dont make payments, that i wont be able to apply in the future. 

PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: I.C. System, Inc.
State: MO

Complaint narrative:
I pulled my XXXX credit report and noticed they have 3 variations of my name and 2 of them are spelled incorrectly. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 2 companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

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 2018-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
On my credit report through XXXX XXXX it shows a hard inquiry on XX/XX/XXXX from a XXXX/XXXX in which I did not apply for credit anywhere so I have no idea who this is or where this credit application came from. I did lose my wallet in XXXX XXXX, Virginia in XX/XX/XXXX-XX/XX/XXXX so not sure if someone has used my information from my information in my lost wallet.

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 2018-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX an account that was removed from my Equifax credit file was reinserted on XX/XX/18 for the amount of {$130.00} without proper notification required by law. What confuses me is the original creditor is XXXX Hospital now XXXX XXXX XXXX is reporting this same said debt. Also, another company by the name of XXXX is reporting this same debt. I have never done business with this company nor have I ever had any contractual obligations with said company or business

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The  bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2.  XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX XXXX CC ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4.  XXXX XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation