vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Due to circumstances surrounding Hurricane Matthew in XX/XX/XXXX, I missed mortgage payments for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I requested the paperwork for a loan modification, received it and put it aside while I was dealing with insurance difficulties with Bank of America ( including that BoA had never removed the previous Bank 's name from the Mortgage when BoA had purchased said bank and the bank no longer existed. ) Automatic mortgage payments were then made XX/XX/XXXX - XX/XX/XXXX, then beginning with the XX/XX/XXXX automatic payment, BoA began rejecting the automatic payments. I have no record of being notified about this and did not notice the payments had been rejected until XX/XX/XXXX. It is obviously my fault that it got to this point, however, at this point I received notice of foreclosure with the auction date of XX/XX/XXXX. Instead of calling a lawyer, I called BoA to ask if it was too late to file the loan modification papers and was told by BoA that I could. I filed these papers on XX/XX/XXXX electronically and spent the week calling BoA to follow up on the process. The foreclosure process was already underway at this point. BoA was talking to me until 30 minutes before the auction on Tuesday, XX/XX/XXXX and telling me they were working on the request. XXXX XXXX, Dedicated Customer Relationship Manager, was my contact. The house sold at auction while I thought BoA was helping me. Then on XX/XX/XXXX, I began receiving notifications in the mail that my case was received and being opened.

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 2018-02-11 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: WA

Complaint narrative:
Transunion, XXXX  and XXXX  are allowing XXXX XXXX XXXX  to report false information on my account, and is allowing XXXX XXXX XXXX   to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX 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 2018-02-11 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: Avant Credit Corporation
State: MI

Complaint narrative:
I disputed with this company back in XXXX the company is Avant. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX  has so many names and addresses on my file I didnt sign up for this.Please reach out to this company Avant to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: EOS Holdings, Inc.
State: CO

Complaint narrative:
Hello, So I have an account with XXXX and XXXX that popped up on my credit report a few months ago. This is total fraud as I have had XXXX XXXX XXXX for the past 3 years. I have filed a police report on the incident, sent the documents to the credit agencys as as XXXX and XXXX. However, it is still pulling on my credit. The accounts are not mine and they will not take it off. I've asked for a validation of the account and still nothing. 

Please help. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: AR Resources, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with health coverage under the Department of Veterans Affairs. XXXX XXXX XXXX XXXX failed to submit a proper claim pursuant to XXXX to the Department of Veterans Affairs within the 90 day time limit.They filed a claim with the wrong party XXXX and got a denial of cliam.They then directed their agent XXXX XXXX XXXX. to pursue collections activities against me in the amount of {$1000.00}. I have attempted to resolve this matter with both entities with no results. Inaccurate and negative information has been placed on my credit report affecting my credit score, which has affected my insurance rates etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I co-signed this student loan for my son in XX/XX/XXXX when it was XXXX XXXX. My son wasn't working and he had a degree in XXXX XXXX but he was trying to get XXXX Certifications. Over the course of the loan, I tried to make timely payments. Probably somewhere around XX/XX/XXXX, I started to struggle with making the payments and while they were not made on the exact day due, they would be made before the next due date. If my payment was only one to two days late, the phone calls would start. The calls would be relentless to where I just wouldn't answer the phone. Sometimes I picked up the phone not knowing it was them because I couldn't ID the caller. When I did answer, the Navient callers could be brutal. At times, I would tell them that I had already gone on line and set payments. They acted as though they couldn't look at their system and see that I had set payments to be made and they would press me anyway. I would tell them if they would just check their system that they could see that a payment was set to be made. They treated me as though I was lying and the next day I would get a call again. I would tell them that I had just talked to someone and I had already set a payment to be made. My biggest complaint is the harassment and how they would talk to me. They never told me about any way to help me payoff the account in a way that would help me. They offered me no help, only harassment!!!! Today I have finally paid the account down so that I can be rid of them. But, I do feel that I am a victim of their harassing collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: WA

Complaint narrative:
XXXX, XXXX and Equifax are allowing XXXX XXXX XXXX  to report false information on my account, and is allowing XXXX XXXX XXXX  to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: WA

Complaint narrative:
XXXX, Experian and XXXX are allowing XXXX XXXX XXXX to report false information on my account, and is allowing XXXX XXXX XXXX to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX 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 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I never took out loan with Portfolio Recovery dont know consumer. Bill collector hurting my credit score. Dont know consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: OH

Complaint narrative:
I check my credit report every month for accuracy. In XX/XX/XXXX there was a new item from a collection agency attached to XXXX XXXX XXXX for {$1700.00}. We had just recently installed our first system with them and were current on our bill so I knew this was an error. I called XXXX  and they said it was at an address in our neighborhood under my name. I filled out a fraud report for them and returned it within a day. I heard nothing for a month and called them to find out they had turned it over to another company, XXXX. I called XXXX  and they didn't have the file. I started the whole process over again which includes having papers notarized. In XX/XX/XXXX still nothing else had been done. I got a copy of the original contract with the installation address and attached the county records for this address with the owners name. The system had been installed XX/XX/XXXX and they had moved in on XX/XX/XXXX. I attached our records also proving we had lived here since XX/XX/XXXX. No response yet. I called yesterday and still nothing. I made a dispute with XXXX and they decided to add the fraudulent address to my credit report and are sending information to it now! We signed up for XXXX service in XX/XX/XXXX. Strange we never received a phone call, letter or bill on this account until we signed up for their service. They say my name is on the contract. I am sending a copy of the contract and the two county forms I sent to them.Hopefully you can straighten this out as they seem totally unable to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX a dept validation was sent out to Portfolio recovery. On XX/XX/XXXX I received mail from them explaining that they had validated my account and enclosed documents. The documents they enclosed did not validate the account. My signature was on no such document, I do not have a signed contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Common Wealth Financial has reported a Collection account on my credit reports for {$180.00} that does not belong to me. This has caused my credit score to drop and is causing issues. This does not belong to me. I have never received any communication from them regarding this matter nor do I know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Yes I have a claim on my report with derogatory marks that was obtained during a period of time that I was XXXX. I was XXXX in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX the fraudulent activity on my report transpired In XXXX. I do not know how this is possible but please let me know what I have to do to prove my innocence and get this matter corrected. 
Thank you, 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 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
This company violated FCCPA n FDCPA by listing a medical debt on my XXXX  credit bureau without sending myself the legally mandated notice of assignment giving myself the 30 day right of dispute period. 
My address has been updated with all credit bureaus for over a year. Also, i have had medical insurance since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IN

Complaint narrative:
This lady called me about a settlement offer. She stated that she was from American Profit Recovery a firm that she represents. She want d all my personal information identified by me but I told her that I would need a letter stating what this matter was about. She then proceeded to start yelling and told me I would be going to jail if I did not corporate. I hung up. Then a XXXX XXXX calls later on from the same number and leaves this message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one said they would remove late payments if I verified with my bank the reason my payments werent through. Once is did that and got back to them and told them it was because the payment account I was using to pay them was non transactional they said there was nothing they should do. Even though technically I did initiate the payments in time and was being charged late fees all the while.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-11 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: IL

Complaint narrative:
I had Navient/XXXX XXXX as my loan servicer from XX/XX/XXXX-XX/XX/XXXX. During that time, here 's what happened : -My interest rates on my loans were an average 10.46 % -My MINIMUM payment was around {$940.00} per month for 30 months -In XX/XX/XXXX, I called to ask about an Income based repayment plan, and they told me I was not eligible. At the time I was making {$12.00} an hour, living at home with no rent, no car, and STILL could barely make the payments. I still did every single month on time. 
-I requested to have my cosigner released in XX/XX/XXXX, which they denied -I requested a reconsideration of that denial, and they denied it again -I requested AGAIN in XX/XX/XXXX to have my cosigner released, which they denied -I AGAIN requested a reconsideration of that denial, and they denied it again -I tried again in XX/XX/XXXX to have my cosigner released, and they denied it again -I tired for a reconsideration of that denial, and once again it was denied My loans in total with Navient came out to {$67000.00} In the 30 months that Navient was my loan provider, I paid over {$28000.00} In XX/XX/XXXX, I had my loans reconsolidated with XXXX which cut my interest rate and minimum payment in half My loan balance as of XX/XX/XXXX with Navient was {$66000.00} After paying Navient over {$28000.00}, the principal of my loan decreased by {$710.00}. 

When I look at these numbers, the pain I feel is indescribable. Navient robbed me. Navient made me regret getting an education, a privilege that so few people are able to have. My student loans were, and still are, a constant source of struggle every single day. I think about my loans every single day, multiple times a day. This has limited so many aspects of my life, including racking up credit card debit, not taking jobs in my field ( I can't take that job, it pays too low starting out. How will I pay my loans? ), not being able to save money, etc. 

Where did the $ 28,000+ I give Navient go?? What they are doing to our youth is despicable. The interest rates for their loans are disgusting. Navient needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
This company has unlawfully and negligently listed a medical debt through XXXX XXXX XXXX for {$50.00} without sending me the Florida and federal legally mandated required notice of assignment giving me the 30-day right to dispute. This company has a history as listed with the XXXX XXXX XXXX of listing debts without following Florida law. The law that I'm representing is Florida statute 559.715, which states that any debt collector must within 5 days of receiving it as a debt send out a letter to a debtor letting them know that they have 30 days in which to dispute the validity of the debt before any lawful collections can occur. By this company listing the debt on my XXXX credit report, they have engaged in the collection of a debt without following either the Florida consumer collections protection act or the fair debt collection practices Act. my rights under state and federal law have been violated. This company operates as collection information Bureau and also as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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 — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I made a payment of the incorrect amount to Ford motor credit, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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