vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA

Complaint narrative:
My wife is XXXX, we are new to this country. we had medical insurance XXXX, initially we have found a doctor XXXX had a visit a doctor XXXX XXXX. We got to know that the doctor XXXX XXXX is not in our network, after understanding of the insurance, we found a doctor XXXX XXXX who is in the network. XXXX XXXX office ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) has given appointment on XX/XX/XXXX we went to doctor 's office XXXX XXXX, office located in 3 floor, elevator was not functioning. After we visit doctor XXXX XXXX, she asked us to submit the previous ( XXXX XXXX ) medical documents, which we do not have at that time.She told us she could not give medical treatment with out having proper medical documents. She has done XXXX XXXX ( some very old equipment ) and XXXX XXXX XXXX and asked me to get the medical documents as soon as possible, since they have contacted Doctor XXXX XXXX 's office they did not get any response. Keeping all that in mind I found another doctor, and made phone calls and emails, I could not bring medical documents, hence asked to cancel next appointment and stop doing all further process if any. OnXX/XX/XXXX to my wife 's phone number, Collections agency made phone call and asking us to pay around {$1200.00}, we have not received any service except some XXXX XXXX that was not even clear. This seems to be annoying and bad, now the collection agency XXXX XXXX XXXX XXXX   threatening my wife to pay otherwise serious consequences. * I have all my email conversations as a proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: IN

Complaint narrative:
I have two private loans with Navient. 1st : Amount : XXXX -date account opened : XX/XX/XXXX -original loan amount : XXXX 2nd : Amount : XXXX -date account opened : XX/XX/XXXX -Original loan amount : XXXX I have tried talking to them, to possibly get my minimum payment down on each private loan. They have only offered me a minimum of XXXX on EACH loan, total XXXX a month ( as that is the lowest they will go ) and another Option they asked, " is there a family member you can borrow from and we can settle on both of these accounts for XXXX ''. REALLY ... No, My family does n't have XXXX laying around to help ( unfortunately, especially since my father is a retired-veteran from the XXXX XXXX ). I will be able to send a copy of my father 's XXXX doc from the service. I have been making Payments of what I can of XXXX a month on each loan ( I have attached multiple docs/pictures of everything listed ). They have been hitting my credit report Twice .... each month for the past year. I 'm a working mother of XXXX childern and I will never be able to purchase a home if this continues. I feel like I 'm at a dead end. Every payment that shows on my account only pays for my " fees '' and/or interest. They clearly seen that I have filed forbearance on these, multiple times. Not to mention I consolidated my Federal Loans and switched to XXXX XXXX ( extememly helpful ), as XXXX XXXX helped me on an income repayment plan, which I qualify for XXXX a month ( attached is proof of reduced repayment plan from XXXX XXXX ) as I have XXXX children, and XXXX of my children is active in college.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
On my credit report I have 5 XXXX XXXX accounts listed. I have tried to rectify this situation with the lender several times. Recently, I went to court at the XXXX XXXX County Court house where the Judge has dismissed Navient 's collection efforts. I have tried numerous times to have this removed from my credit report and have not received any feedback from Navient. These loans do not belong to me and I was able to prove this in court some months ago. Once again I am asking for this negative information to removed. I have never signed any documents for these loans with Navient or any other student loan company. Please review the attached documents and please provide any and all information that would substantiate any of this being reported on my credit report. Even if these loans were mine, judging by the information on the credit report the statute of limitations has been surpassed and ask that all this negative information be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX a letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with Equifax ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither XXXX nor Equifax have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted XXXX XXXX by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I had been getting incessant calls from Phoenix Financial Services regarding an unpaid debt for an emergency room visit. I had informed them multiple times of the status and why it has gone unpaid ( there is a pending lawsuit ). XX/XX/XXXX, Phoenix Financial Services called me and I asked for a verification of debt. I never received one, yet they called me again on X/X/2017 to inquire about payment. I informed them that I had not received their verification of debt and that they were breaking the law by calling me. They said that they had sent it already so it was not breaking the law. I asked them for a tracking number, but they did not have one. This leads me to believe they did not really send the requested verification.
In addition, the telephone agent was rude and was routinely spoke over me. I asked if she was going to allow me to speak and she said no, so I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: GA

Complaint narrative:
On XXXX XXXX,2017 I sent Transuion, XXXX, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX from TransUnion, XXXX XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. XXXX XXXX

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 2017-08-03 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: GA

Complaint narrative:
On XXXX XXXX,2017 I sent XXXX, Equifax, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX,2017 from XXXX, Equifax XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: MO

Complaint narrative:
Company HireRight has multiple inaccurate criminal background reporting for my records in the state of Connecticut. I have contacted HireRight via phone and email communication starting X/XX/2017. During my contact I established a case # XXXX and request # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. Response from the company on XX/XX/XXXX when I reached out again due to no contact from HireRight was the case was closed and they could not dispute the records. Rep spoken to was XXXX XXXX who attempted to contact the supervisor on duty XXXX XXXX but there was no response from any supervisor to handle a customer escalation. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
My ex XXXX in XX/XX/XXXX and had an out standing balance on his student loan. The Jude ordered that I was not responsible for his college debt when we divorced in XX/XX/XXXX. In XX/XX/XXXX I started receiving notices that I was delinquent on MY student loan. I called Navient and sent letters explaining that this was not my student loan, that it was my husbands who had XXXX. I also mentioned that the judge had ordered that I would not be responsible for his debt. Navient told me it was infact my loan, for my XXXX XXXX  education. I was never enrolled in college let alone XX/XX/XXXX!!!
I need help with getting this dismissed for breavement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I received a letter from wells fargo with them offering me medication. Wells fargo told me that it could be any issue that i had with them. I sent in my problem i had with them. I received a updated letter with them stating that they would not proceed with medication, because of the issues that I raised was not regarding the unauthorized account opening.

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 2017-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
I am unable to contact my student loan servicer provider after the loan was acquired by a new firm. I had dialed the number that was provided by XXXX however due to a recording that stated my hold time would be 28 mins - 121 mins I had requested a call back ( per their automated system ) however the company has failed to return any calls. The company is Heartland ECSI tele XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
On XX/XX/XXXX ... I emailed XXXX about a couple concerns that I have.
I have requested that XXXX exclusively communicate with me via email for any debts that I may owe. I asked them to please discontinue the daily phone calls to any of the numbers that anyone has provided on my account. I understand that I owe about {$450.00} dollars but I will continue to make payments until it is all paid off. An unnamed representative contacted me with this response : The staff does not have the ability to e-mail borrowers. The account is delinquent they will call parties that are associated with the loans. I had another concern that I addressed and need to be resolved ... A member of my family, XXXX XXXX, was added to my XXXX account a couple of years ago. Not sure why, but I was not contacted about this. It was her daughter ( XXXX XXXX ) that co-signed the loan, not XXXX XXXX. Unfortunately, my godmother, XXXX XXXX XXXX XXXX in XX/XX/XXXX and I went into financial crisis. Through that time, XXXX decided to constantly call XXXX XXXX 's house and I every single day ... so many times that in anger in around XX/XX/XXXX she told the representative calling that her daughter XXXX XXXX and please stop calling. In some strange turn of events, they are claiming that XXXX XXXX is the co-signer for a loan she did not officially sign for. I have not received any information, paperwork or validation of her involvement in my loan. According to XXXX XXXX, a representative calls every day for the past year. There are mentions of " taking you to court '' and " we will cease your house. '' I am not sure what to make of this, but I want her to be deleted from my account. She had nothing to do with my loan/debt.
XXXX XXXX response was : The person you are referring to below is a co-signer of the loan and is just as responsible for payments as you. They can not be removed from the loans. The staff does not and never threatens our borrowers with any such actions. Please maintain payment in order to elevate the calls.
XXXX has not reached out to me for a solution or an attempt to help me with any financial difficulties, just continue to call and ruin our credit. I hope we can come to a civil resolution so this goes no further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried several times to contact XXXX XXXX about a fraudulent card on my credit report. I have also contacted the credit reporting agencies to have this information removed.
They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card.
This account is not mine and I want it removed from my credit report immediately. Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act.
The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

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 2017-08-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried several times to contact XXXX XXXX XXXX about a fraudulent credit card account on my credit report.
Additionally, I have also contacted the credit reporting agencies to have this information removed. They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card. This account is not mine and I want it removed from my credit report immediately.
Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act. The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

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 2017-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
PayPal Credit sent two separate emails offering terms of 24 months, zero interest for a limited time ( XX/XX/XXXX  -   XXXX   ) on virtually any {$600.00} and up   XXXX   purchase. This was no " participating merchants '' restriction. The buyer 's credit was the main qualifier for this offer. The offer of these terms would only be revealed after committing to a purchase with a merchant. After committing to the purchase, the instructions said that the buyer simply need select the " 24 month easy pay '' option. So.. on the  XX/XX/XXXX , I selected an item for purchase for {$970.00} ( that I only purchased because of the the favorable lending terms ). Being committed to the transition, I selected the'PayPal Credit option, only to find the standard '6 months, no interest ' option. I reversed out of the PayPal selection and tried to find the 24 month option using two other devises and through the 'classic '  XXXX  site. Still ... no 24 month option was shown. I called PayPal Credit to query them on the offer and the terms not being offered on my purchase. I was given lies by the first representative. The second told me that the terms would revert to the more favorable offer after a couple days ... to just complete the purchase under the only option they were showing ... six months. Over the next several days of phone calls to PayPal Credit, I was given more lies and excuses. However they never changed the terms to their email offer and after snail-mail request for review, never corrected it either. This is classic 'BAIT AND SWITCH lending practices. They were made aware that contacting you would be my next step, if they failed to correct this.

Company response to consumer: Closed with non-monetary relief