vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are two accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP

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 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have 3 student loans with Navient, formally XXXX. As with all 3, Navient has put my accounts into forebearrance without my approval. They have also reported to all 3 Credit Bureaus as being " paid on time '' during these forebearrance months, then the following months reporting as " 90 days late '' and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: VA

Complaint narrative:
received letter dated XX/XX/XXXX from ERC stating that I owed a debt to XXXX, acct # XXXX in the amount of {$430.00}, reference # XXXX. I have never held an account with XXXX and do not owe them any money. This is a fraudulent attempt to collect money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : CREDIT MANAGEMENT Account number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The account from XXXX college under the collections agency XXXX has been deleted and readded twice now after failed attempts to verify. I was never notified of it being readded. I just redispited the first time and it was deleted again, and now has been readded once again without warning and without validation. I want this account removed and blocked from ever being readded. This is breaking the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
I would like to submit a complaint regarding Franklin Collection Services, located at XXXX, Mississippi XXXX, for reporting time-barred, obsolete unknown medical accounts ( # XXXX, XXXX, and XXXX ) on my XXXX credit report # XXXX and my XXXX credit report # XXXX. I have mailed Franklin Collection Services at least numerous letters during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; requesting their company cease and desist collection activities and to validate the unknown, time-barred, obsolete medical accounts/debt they are reporting on my credit report ; in accordance with the federal Fair Debt Collection Practices Act, 15 USC & 1692g, Title VIII Debt Collection Practices and Louisiana and Mississippi collection laws. Franklin Collection Service has not ceased collection activities and has not validated the unknown medical accounts/ debt in the specific guidelines set forth in the letters per the Federal Debt Collection Practices. 



Moreover, I have repeatedly asked/requested via letters I mailed to Franklin Collection Services to produce a signed contract signed by me for these unknown medical account ( s ) /debt/services, and Franklin Collection Services has not produced a contract or any of the other requested information I asked this company for to validate these unknown medical accounts/debts. In addition, the unknown medical accounts/debt are time-barred in Franklin Collection Service home state, Mississippi. Per the debt collection laws in Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Clearly, not only is Franklin Collection Services violating Mississippi state debt collection laws by attempting to collect a time-barred debt/account ( s ) but the federal debt collection laws as well, per the Fair Debt Collection Practices Act at 15 USC 1692 et seq., and which states in relevant part : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, '' which includes " the false representation of the character ; or legal status of any debt, '' and " the threat to take any action that can not legally be taken, '' all of which are violations of state and federal debt collection laws, as well as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I disputed unauthorized inquiries with Equifax that were not made by me on my report and I have not heard anything back from them regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
US Collections West is reporting an open collection on XXXX and public records on XXXX and XXXX that has been paid. Beginning XX/XX/XXXX US collections West began garnishing my paycheck at {$570.00} per month for a Public Record from XXXX XXXX XXXX. The judgment was paid in full. Additionally, the wage garnishment was illegal due to the fact that I was never notified that they were planning to garnish my wages. At the time, I was unaware of my rights and was completely over whelmed, as I lost my place to live. I disputed the account with XXXX on XX/XX/XXXX. As a result of that reinvestigation, US Collections reported to XXXX that the account is accurate and continues to report with a balance. They have not responded to my request to validate the debt and to show proof that I am legally contracted to pay them. 

Moreover, the XXXX US Collections Account from XXXX XXXX was placed on my XXXX File without any prior notice. I am seeking to have both permanently removed. 
Below are the referenced account numbers. 
1. U.S Collections Acct # XXXX XXXX 2. U.S Collections Acct # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I think this concerns both federal and private loans. Regardless, my servicer is navient. They make it EXTREMELY difficult to make any additional principal only payments. All I wanted to do was make additional principal only payments ... to be done automatically through my bank. Every month, my bank would send them a clearly labeled principal only check to be applied to loan " X ''. An additional automatic payment by check to my particular loan. They will not accept it unless I WRITE A LETTER EVERY TIME I send in a check. WRITE A LETTER??? Seriously??? This is unheard of. This is ridiculous. I cant even write ONE simplified letter stating " ALL additional payments beyond my monthly payment should go to principal only for loan X ''. They will not accept it. You have to ATTACH A LETTER TO EACH CHECK EVERY TIME! You do n't even have to do this for mortgage loans. I have a loan for XXXX and it is absolutely EASY to make additional principal only payments. The bottom line is ... Navient does NOT want me to pay off my loan early! They make it Extremely difficult knowing that typing a letter for each check is very time consuming and simply will not get done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
We have both Federal and non federal student loans i believe. I have called Navient several times over the past few years to make sure the money is going where i want it to go. i called again today and the extra money we put towards the loans was not correct. they have changed the reallocation of the money or never did it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX late Medical Bills only on my Equifax report {$1000.00}, {$35.00}, {$35.00}, {$35.00}, and they have been removed from XXXX but having no assistance from Equifax I am a XXXX and XXXX Vet and also have XXXX and Medicare Insurance I see the VA for free and even If I use outside the VA I pay nothing because I am primary on both of my medical insurances. I have used medical outside the VA before and because of my Medical coverage I pay nothing. I have tried on several occasions to contact Equifax with no results and no response. I have used XXXX for Equifax, XXXX, and your agency and only been able to to get responses from XXXX which immediately removed the medical bills and your agency which sent me to this site any assistance in this matter would be of great help to have these bills removed from my credit report. again Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: MN

Complaint narrative:
Enhanced Recovery Company a collection agency is attempting to collect on an alleged debt owed to XXXX a cable company. I had contacted XXXX disputing this alleged debt in which they did not put my account on vacation status which I had informed them to do. The XXXX representative stated they would adjust my bill. I am still a XXXX customer. I received no communication that XXXX was referring my account to a collections agency. After reviewing my credit report is when I noticed that Enhanced Recovery Company was reporting this alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: COLLECTIONS USA, INC.
State: IN

Complaint narrative:
On XX/XX/2017 I viewed my CBR as I do each month. I noticed that there was a collection item listed on my report. I immediately disputed this item against my credit as I had NEVER received anything in the mail regarding this. On XX/XX/2017 I received a response to the dispute from XXXX stating that this item had been reviewed and found that it was an accurate reporting against me. Again confused because I had never received anything in regards to this debt. On XX/XX/XXXX I receive a letter from the agency ( Collections USA located at XXXX, XXXX, AZ XXXX ) this letter was dated XX/XX/2017 several days after the item was already reported against my credit report. My complaint is this. For some reason I feel that this must be some sort of FDCPA violation. How is it legal for an agency to report something against your credit before sending the initial 30 day demand letter giving an opportunity to dispute the item BEFORE it is placed against someone 's credit. Should n't they be allowed the 30 day ( lawful dispute time ) before it is reported?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I have been contacted multiple times by a collection agency that goes by Ability Recovery. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
When Navient became my loan servicer, I agreed on an income-based plan paying {$210.00} per month. The person tried repeatedly to get me to agree to forbearance, which I had already done ( and it added a considerable sum to my debt ). At any rate, the agent instructed me to go to the Navient website, make my first payment, and then set up for auto pay. I did as instructed, adding my bank information in the tab that says " autopay. '' Since the first payment was manual, it was debited from my account, but the following two months, no payment was taken ; but they were sure to add late fees and a past due balance of {$430.00}. I called to inquire about this and the first thing the agent did was try to get me to agree to forbearance. I declined and said that they were supposed to have debited me for the last two months but did not. The agent proceeded to tell me that I was not signed up for auto pay. While on the call, I went to my Navient account and confirmed that my bank information was in the " autopay '' tab on the website. He then said I had n't really signed up for auto pay, and he would email me some PDF files that I would have to fill out. When I received these, they were not web-hosted PDF forms that one can fill out, but rather only completable by printing and mailing or faxing, for which no instructions were included. Furthermore, the terms and legalese in the auto pay application were pages long, so long and complex that I was afraid I was committing to something that would cost me additional money. The original agent I spoke with never mentioned this lengthy process. In fact, he just said, " go to the site, make your first payment, and then set up auto pay and you 're good to go. '' There is no mention on the " autopay '' tab on Navient.com that mentions downloading and filling out multiple pages of auto pay application. When other companies do autopay, it 's a simple matter of entering your bank info and checking a box to approve. Now I 'm getting daily emails offering forbearance, and was getting daily phone calls and texts before I told them they ca n't do it any more. All I want is for them to make my account up to date and let me pay the agreed amount, but they wo n't do it. 

Also, why do I owe {$49000.00} on a loan with original principal of {$20000.00}? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently sent Equifax a certified letter requesting an update to my current address. With the certified letter, I included a copy of my drivers license and soc sec card. I just received a conformation letter from them letting me know that they had completed the changes. The problem is they made the changes to someone else 's credit file. My name is XXXX. The person who 's file they updated is XXXX. How does this happen, considering I included two forms of ID with my letter. I can assure you that I do not and have never gone by the name XXXX. Also, the former addresses which were removed are not, and have never been associated with me or my name or social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
. I paid ERC on XX/XX/XXXX with my XXXX secured Visa for an XXXX bill from XXXX. The account details are noted in the settlement letter from ERC. XXXX is not accepting the settlement of the debt and wants the remainder of the bill paid. XXXX XXXX XXXX acknowledged today that the debt was sold to ERC. ERC is saying the account is closed and settled However, ERC said on XX/XX/XXXX that XXXX XXXX XXXX does not have to accept the settlement. That was not my understanding from settling the account. All calls with ERC are said to have been recorded. Since the settlement of the debt did not clear the debt, I believe that ERC and XXXX XXXX XXXX have acted fraudulently in obtaining the {$280.00} payment as settlement and not settling. I have also asked my credit card provider, XXXX, to dispute the purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
Whilst getting a replacement debit card, due to a stolen account number, the personal banker suggested a refinance on my existing FHA mortgage. She said she could beat the rate I had, but I need to submit some info to " LOCK '' in the rate, which could be done over the phone. However once everything was completed & we showed up to sign the paperwork, there was a higher interest rate than what we had " locked ''. Then the manager to tell us they do n't lock rates. And we had to wait for everything to go through before we would know what it is. In other words, w/o telling us in advance, they claim no one knows there rate till signing. Which does n't make any sense, why would anyone waste their time then? So someone is lying, or covering up for someone not doing their job & locking in my rate. Either way, I feel that this was a " Bait & Switch '', and this bank should be ashamed of treating a customer of over 10 years this way. Due to this, we had to go with another loan agency. During this transaction, we found out that we had lost thousands of dollars in interest savings by wasting our time with US Bank.

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 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
my loan was forwarded to shell point mortgage servicing for XXXX. I was behind in payments, and made the payments on XX/XX/2016 in the amount of {$2600.00}, which was three months of payments. this payment should have covered the months of XX/XX/XXXX-XX/XX/2016. on XX/XX/XXXX I attempted to make a payment of XXXX, but the agent advised me that I could not make that amount that I need to make 4 payments, which comes to XXXX. She also advised me that I had XXXX in unapplied funds. then she advised me to send XXXX. I had advised her that I would not have that until next week, and she said I had thirty ( 30 ) days to make the 4 payments. I was not in foreclosure, but they could not take the three payments is what she had advised me. I told her that I wanted to dispute the other payments that she said was not paid. she said she was going to order a payment history from XXXX. on Monday I called to make the four payments and the agent told me that I would have to pay the XXXX because as of now I was in foreclosure. I told her that was n't so and I advised her what the other agent had advised me. I then requested for a manager to contact me, which I have n't had contact from the manager as of today. At the time I wanted to make the payment of XXXX I was only 3 payments past due. I am a victim of a wrongful foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
My name is XXXX ( DOB XX/XX/XXXX ). I had a student loan with XXXX and I had agreed to pay {$5.00} per month for nine months and my student loan would be forgiven out of default. My loan was then transferred to Navient and I am receiving mail from them saying I owe them money. This loan should not have been transferred and I should not be contacted by Navient. Please get back with me via e-mail at XXXX regarding this matter. I currently do not have a phone at this time and I am homeless. 

Sincerely, XXXX

Company response to consumer: Closed with explanation