vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I do n't owe any medical bills as I have always had insurance. The company has no right to have access to my medical re cords. HIPPA  has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 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: ND

Complaint narrative:
I contacted Trans union about a problem with an update on an account I pay on this on time all the time for over 2 years.
I noticed in   XXXX   that it had not been update since  XXXX .
I contacted them and Her English was poor at best, asked me some questions about the account.
She told me to get my payment history and submit it.
Never did she say what would happen next, I decided to let it go and hope it would get resolved after discussing with the Dealership.
They completely took not 1 but 2 loans off my report.
They were both in Very good standing without a missed or late payment ever.
Trying to rebuild your credit is hard enough, But have inept workers who barley speak or understand English in a job like this is unacceptable.
All the effort into getting this resolved has fallen on def ears

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 2017-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc.
State: WA

Complaint narrative:
I have started since more than 30 days ago to get the   XXXX   credit reporting agencies  XXXX .. XXXX  AND  XXXX  to up dated their records regarding to certain accounts. and collections listed as paided and showing that they are.. and to this day they are not correct..
.. COAST TO COAST FINANCIAL.. PAIDED IN FULL..2.  XXXX   XXXX   XXXX  /CREDIT CARD..INCORRECT BALANCE.. XXXX  ... 3 ...   XXXX   XXXX   XXXX  .NOT PAST DUE INCORRECT BALANCE.4.  XXXX   XXXX   CREDIT CARD..INCORRECT BALANCE.4   XXXX   XXXX   XXXX   .. INCORRECT BALANCE. 5. S  XXXX   XXXX   PAIDED 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 2017-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
On multiple attempts dating back to XX/XX/XXXX I have disputed multiple unverified accounts with Monterey Collections with account number : XXXX XXXX and XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called Monterey Collections and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she mentioned an address ( apartment ) in XXXX or XXXX, GA that I have never lived or been associated with. At that time the rep advised I should dispute again with the credit bureau and stated that the account should not be reported if the information did not match with what the credit bureau report. Well, just the other day I received a debt letter from Monterey Collections which states it was a response to the dispute received and pursuant to the debt validation requirements set forth in the Fair Debt Collection Practices Act. Also, in the letter it states that I had 30 days from the date I was notified by Monterey that an account had been placed with Monterey Collections, to request to dispute the debt. They also state that they notified me of the accounts XX/XX/XXXX which could n't be further from the truth. I have used my current address over 10 years and have never received any communication from Monterey until it was reported on my credit report back in or around XX/XX/XXXX. This practice completely contradicts the standards provided by FTC and creditor should be reprimanded for these practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
This complaint is one that was originally submitted to the CFPB on XX/XX/XXXX ( # XXXX ) against Specialized Loan Servicing, LLC. The complaint remains unresolved as of this date. A letter from Specialized Loan Servicing, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX dated XX/XX/XXXX ( copy attached ) stated that they were requesting that the Recorder 's office in my County ( XXXX County, GA ) to " release or satisfaction of mortgage. '' SLS stated in this letter that upon receipt that they would forward it to me. I checked with my Recorder 's Office on Wednesday, XX/XX/XXXX and I was informed that no request was made by SLS. This mortgage balance was paid to SLS on XX/XX/XXXX and details were included in my original complaint. All communications and correspondence with this company has been futile and SLS has obviously ignored the CFPB to date as well. I received an undated notice from SLS with a postmark of XX/XX/XXXX stating " Georgia law requires us to inform you of your right to demand payment of {$500.00} in damages in the event a copy of your Satisfaction/Release/Discharge Reconveyance is not provided to the county recorder within 60 days of payoff. '' I sent XXXX a letter dated XX/XX/XXXX demanding the {$500.00} in damages and informing them that my " paid-off deed '' had still not been received ( copy of my letter is attached ). Apparently my letter and the SLS letter dated XX/XX/XXXX crossed in the mail. Pease help me to resolved this issue.

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 2017-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
I have seen a collection on my credit from Ability Recovery Services for {$990.00}. It is the only collection on my credit and I 've never taken out anything for that amount. It was dated for  XX/XX/XXXX . I disputed it and asked the company to provide me with proof that the debt belongs to me. They ignored my request and re-reported it on my credit stating the debt was from  XX/XX/XXXX  which was when I had initially disputed the debt. Instead of providing me with adequate proof, they instead reported it to the credit bureau incorrectly saying I had opened this debt on the date I attempted to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I attended school in XX/XX/XXXX for XXXX XXXX at XXXX College in XXXX, LA. I was unable to obtain a job after graduating. I was able to put into forberance for years. I had XXXX children & my husband was the only one working. XXXX XXXX turns to navient & i continue to keep loans in forberance. I had XXXX more kids to equal XXXX children. I file for my XX/XX/XXXX taxes & there is a problem navient wants {$11000.00}. I call explain my situation, we have XXXX children, my husband is the only one to work, and we DO NOT recieve benifets from the state of any kind. While on the phone they lift the debt from irs, and set up a {$5.00} a month payment plan. I was told to be sure an file injured spouse for my husband we did everything instructed. Not only did they take my {$7300.00} income tax but they also took our {$460.00} state tax. This is unfair to us, we use that money to catch up on bills, take our children on vacation, & buy school supplies and clothes. We did what we were told and they still turned around and took the money. I know i own that debt & i have to pay & i would if i could recieve an affordable payment option, not one big chunk. I do not know how we will survive now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX .   XXXX   AND TRANUNION IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS..
  XXXX   XXXX   NOT SHOWING UP TO DATE STATUS AND BALANCE   XXXX   XXXX   CREDIT CARD. NOT CORRECT BALANCE   XXXX   XXXX    CREDIT CARD. NOT SHOWING CORRECT BALANCE  XXXX  CREDIT CARD,  XXXX ..NOT SHOWING CORRECT BALANCE   XXXX   XXXX   XXXX   XXXX   XXXX   PAIDED IN FULL   XXXX   XXXX   XXXX   ... PAIDED IN FULL   XXXX    CREDIT CARD.. INCORRECT BALANCE  XXXX  CREDIT CARD.. INCORRECT BALANCE..
  XXXX   XXXX   CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL  XXXX  REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION

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 2017-08-06 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: MD

Complaint narrative:
Equifax is reporting outdated information.
XXXX and XXXX XXXX XXXX  are two accounts that should have been deleted in XXXX.
XXXX  and XXXX both deleted these accounts as they should have but Equifax continues to be uncooperative and defiant. They are ignoring the fact that the first delinquency for both of these accounts is more than 7 years old.
I have been denied credit twice in the last few weeks soley based on a report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MD

Complaint narrative:
Do to a financial hardship my family and I experienced, I had an overdue balance with Discover card. They were able to obtain a judgment against me in District Court.
I have been trying for months to find a possible settlement with them or to simply get an address where I could send payments and know that they were being documented.
I have gotten no response from Discover Card or their attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 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: WA

Complaint narrative:
XXXX EQUIFAX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT BALANCE XXXX CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX  XXXX ... PAIDED IN FULL XXXX XXXX XXXX INCORRECT BALANCE XXXX XXXX XXXX INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 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: WA

Complaint narrative:
EXPERIAN. XXXX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT XXXX XXXX  CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX XXXX ... PAIDED IN FULL XXXX CREDIT CARD.. INCORRECT BALANCE XXXX CREDIT CARD.. INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION

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 2017-08-06 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: IL

Complaint narrative:
I have attempted on numerous occasions to request my annual credit from Experian, XXXX and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.

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 2017-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
1. harassing phone calls sometimes every two minutes,2.Talked to Three people once and answered questions for up to ten minutes. transferred to another person. Same questions. Transferred to third person. Same questions. 3. One phone conversation I was offered plan to pay {$5.00}. monthly for nine months and have account transferred. I agreed and asked for paperwork to verify this but they refused. 4. finally they e-mailed me a payment application which did not match the offer given me. 5. I got five different phone numbers for them and a couple different addresses. I was instructed to mail payment to XXXX XXXX XXXX XXXX GA.6. I XXXX one phone number and found numerous complaints. I XXXX bbb and found over 25 complaints where they harass, overcharge and bill and garnish for bills not owed or paid off. Reading their responses they appear to have a script for some answers and they also deny some actions and deny responsibility for others. They are slow to respond. At least one written response I made states they use scripts and I was refused a copy read to me concerning the offer made to make monthly payments..7. They charged me over {$850.00}. for two years and another bill they charged me {$130.00}. for one year.8. I do n't know if I can trust the above XXXX address and another at XXXX XXXX XXXX XXXX, TX due to all I have read about Credit Adjustments.9. My last dispute with them they said they would send a copy of my promissory note. They did and it had my name typed and not hand written.10. On checking the complaints filed with bbb.org, one dated XXXX/XXXX/17 states Credit Adjustments uses three different addresses using US Dept of Ed. I would like to settle my student loan debt but with a honest, trustworthy business. Preferably with the US Dept of Ed directly. 11. I think it was the last phone conversation they said they know I have a debit card. 12. I have paperwork but ca n't upload it here.

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 2017-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have attempted on numerous occasions to request my annual credit from XXXX, Transunion and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.

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 2017-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be on my credit report.

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 2017-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be on my credit report.

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 2017-08-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
In XX/XX/XXXX i filed for Chapter XXXX Bankruptcy, 4 years later i still was struggling and became homeless with XXXX children, it was at that time I converted my Chapter XXXX into a Chapter XXXX Banruptcy in XX/XX/XXXX which was granted i also received special hardship cosiderations which aloowed me discharge 2 small student loans for for {$870.00} and the other for {$1100.00} through bankruptcy which I promptly provided to the dept of education as well as the XXXX credit agencies, XXXX, XXXX and XXXX which they all updated on my credit file included in banruptcy upon receiving to proper documentation. every couple of years i notice they would re-age the debt and take off that it was including in bankruptcy which has constantly kept me resubmitting the same bankruptcy paperwork to specifically Equifax as once again I have noticed as soon as the bankruptcy hit the 10 year mark those same 2 debts were relisted as active debts once again. I dont understand why Equifax keeps doing this even after i have continued to provide documentation to the to correct these errors..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I received a letter from Wakefield and Associates stating I owed {$1200.00} from an ambulance ride to XXXX Hospital that occured earlier XX/XX/XXXX. I contacted the collection agency and disputed with them that this was not my debt. The name on the letter, the date of birth and address were NOT MINE. I have never been transported to a hospital by ambulance. I called the collection agency back twice, never received a call back and on my third attempt finally got a hold of a man and explained they contacted the wrong person. The man said he would like into it further. As of XX/XX/XXXX I now show it in collections on MY credit report.

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 2017-08-06 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: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar Mortgage and attorneys   XXXX   XXXX   and   XXXX   XXXX   XXXX   of   XXXX   XXXX   XXXX   have improperly scheduled unsecured property for auction originally,   XXXX   XXXX  , 2017, and now   XXXX   XXXX  , 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations,   XXXX   XXXX   of   XXXX   XXXX   XXXX   for Nationstar Mortgage provided an affidavit of service by mail dated   XXXX   XXXX  , 2017 of notice of sale scheduled   XXXX   XXXX  , 2017. In the same letter   XXXX   XXXX   maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents   XXXX   XXXX   has provided. Upon repeated requests for a payoff amount or statement, Nationstar and their attorneys   XXXX   XXXX   XXXX  , have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ME

Complaint narrative:
I have a creditor saying they have a civil judgment on me and it was settled already. It 's also not my my credit report. I 'm in the middle of purchasing a home and it popped up after my report says it was removed

Company response to consumer: Closed with explanation