vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing this complaint to formally request a resolution of my fraud claim with XXXX XXXX XXXX. Ive been a victim of fraud and discovered the fraud when I tried to apply with Navy Federal Credit Union in XX/XX/XXXX online, the system stated that I already had an account with Navy Federal Credit Union and to call customer service. I called customer service and a representative stated that there was an account in my name opened around XX/XX/XXXX and is in default, which I wasnt aware of. Then the representative assisted me with opening a fraud claim, she then stated to me that someone in the Security Department will be contacting me. 

On XX/XX/XXXX, I spoke with XXXX XXXX in the Security Department, there was several questions which I answered, I then verified that the Drivers License number on file was incorrect. After speaking with XXXX XXXX, I then proceeded with a police report as well as an Identity Theft Report with Federal Trade Commission ( FTC ), I made a copy of my Drivers License and faxed over the ID Theft report, police report and Driver 's license to XXXX XXXX in the Security Department with Navy Federal Credit Union. I was shocked and upset that XXXX XXXX sent me a correspondence on XX/XX/XXXX and stated that there was no error. I felt my claim was convoluted due to the fact that I was n't complaining about an error, I was complaining about fraud involving my social security number and identity. To my understanding XXXX XXXX never investigated fraud because if he did, he would have found that it was n't me that opened the account in the year XX/XX/XXXX. 

After receiving the correspondence from XXXX XXXX I called Customer Service and they instructed to write an appeal. I did so and faxed it to XXXX XXXX XXXX in the Security Department and received no response to my appeal. I have exhausted my resources to try to resolve this issue on my own. I am seeking fairness in this matter that I should not be prevented from banking with Navy Federal due to me being a victim of Identity fraud in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MRS BPO, LLC
State: LA

Complaint narrative:
I had a prepaid cell phone service with XXXX. I terminated the account with them and never received a bill and they placed my account in collections and it was reflected on my credit report. I paid that bill of {$240.00} off and I found another collection account, placed on my credit report, 2 years later under XXXX. I called and spoke with XXXX and they said it was for a cell phone that was n't returned. I have tried several times to return the cell phone an each time, I was told they could n't take the phone, because the account was a collection account. I called XXXX on XXXX/XXXX/XXXX to clear up, this second collection account on my credit, as I have no idea of why it is there. And I was told they could n't accept the phone again and they could n't discuss, my account with me. I was given a second number to call XXXX and the number was to a company ( MRS Bpo LLC ) a collection agency.I Spoke with a XXXX XXXX XXXX, he only wanted to discuss making a payment to a company, that was not on my credit report, nor I had never done any business with them. 

I reviewed my credit file again, there is no record of ( MRS Bpo LLC ) on my credit file, I have XXXX listed as a collection account for {$1400.00}. I paid my last bill and never received any other bill request for payment. 

Under the Fair Credit Reporting Act ( FCRA ) if it is inaccurate, it must be remove permanently. I do n't owe XXXX, nor XXXX XXXX XXXX, has damaged my credit file and XXXX is trying to defraud me and extort monies from me. I am requesting that the negative account be removed and any future business or contact by XXXX XXXX cease and desist. I have no business dealing with their company. 

I have attached several copies for my credit report, one showing I paid off the XXXX bill, after the account was closed and placed in collection, a second copy of the report, showing the second collection, showing up 2 years later and under XXXX and is what both parties are saying is correct. XXXX is not the debtor, but, it is listed under XXXX and not XXXX XXXX as of the date of this filing. Both parties are in v violation of the ( FCRA ) with inaccurate information. If they ca n't keep record of whom, the account is in control of, how can I as the consumer, have any idea of whom to pay or return the cell phone to, as I still have it in my care to this day. If the debt is for a cell phone, that was n't returned, then this is a easy fix, they receive their phone and release my credit file of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
There are 2 medical bills reporting with Aargon Agency Inc and I never was in the hospital in XXXX or XXXX XXXX but why are these people doing this? I never received anything from any doctor 's office of hospital for that matter. Please help me

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 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have submitted multiple letters to Transunion and XXXX about account XXXX Funding submitting a collection account for an amount that I had to contract with them to being with. Letters were sent via certified mail XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX. I asked them to give me verification with my SIGNATURE and contract on file with them. The only they have sent back to me was a bill which was not with them to begin with. According to the FCRA when asking for validation for an account it should be sent with my SIGNATURE and it has not. While looking at my credit report XXXX is listed at 2 different addresses with one in the state of South Carolina, the other Nevada.

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 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my letter dated XXXX XXXX, XXXX sent to this credit repository, I disputed how incorrect Bankruptcy chapter XXXX XXXX -- -- XXXX # XXXX was reporting in my file. I was able to verify with the court that this piece of information is not in anyway linked to my social and date of birth. According to the XXXX XXXX XXXX  XXXX, this must be removed. The same was also disputed both to XXXX and XXXX XXXXnd both credit repositories REMOVED this item from my credit report. I kept records of all my credit reports before and after I disputed this item, proof that there is a problem with this credit repository on how they report information on consumer 's credit report and how they comply with FCRA in terms of investigation.

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 2017-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns Credit Company is reporting my account current as a victim of a natural disaster so they can continue to add charges, fees, late fees, etc., to the account to make the balance higher as they know once it is charged off for collections they cant add to the amount. I am NOT a victim of a natural disaster. I am a victim of credit card fraud recently : last week : but thats it. I also know for a fact they are doing the same thing to my husbands Conns account. 

They are very untrustworthy and I dont know how many other people they are doing this same trick to as to drive the amount owed to them higher and higher before charging it off. They also reported my husbands account as a victim of natural disaster and brought his account current as well while they continue to add to the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX i paid a real estate loan in the amount {$6900.00}. 
On XXXX/XXXX/XXXX i paid a credit card balance of {$4800.00}. 
Over the last 3 months i paid the balance on 3 other credit cards. 
None of the credit cards were canceled they just do n't have a balance. 
When i started paying my debt. i had a XXXX credit score of XXXX and XXXX  score of XXXX. 
Once these payments were reported my XXXX score dropped to XXXX and XXXX to XXXX. 
Because of this i was denied a loan at a bank. 
All of my payment history is good no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I received letter from PNC Bank dated XXXX XXXX, XXXX advising me about closing my account on XXXX XXXX, XXXX. PNC reference # XXXX. 
I have been associated with PNC for approximately 30 years in good standing, checking account and recently open credit card account. 
I contacted bank at the number posted on letter and basically told letter was self explanatory which frustrated me even more. 
I have had legal problem about 3 years ago for which charges were filed but not convicted the charges were expunged and now problems are occuring. 
I maintain excellent credit rating and getting extremely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My XXXX XXXX # XXXX is showing the wrong balance amount, currently late. I have never been late, it was last updated XXXX/XXXX/XXXX paid current and is also in a forbearance plan due to XXXX XXXX. It is drastically lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
PlusFour Inc is reporting something for an XXXX company. I was not transported anywhere in XXXX XXXX or any time in XXXX Please help me this makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I refinanced my house in XX/XX/XXXX, my first payment was due on XX/XX/XXXX. By that time my hours were reduces and I was making partial payments which turned out that Carrington Mortgage does not allow them, I tried to do the partial payments till XXXX before I was told not to do that. So I got all up to date by XX/XX/XXXX and so I thought, 2 months later I started getting this calls that my account was past due and I called them to go over that but the answers were that they 'll research and let me know. I was n't till I was trying to refinance this past XXXX to find out that they have been reporting late on my credit every single month since we got the loan! Since XXXX I have sent them letters to them and the bureaus but no concrete answer and I get the run around, one manager after another one. I was able to get one of the managers to give an email and direct phone number and try to solve the issue but she did n't either. I have run out of options and patience as this is very stressful and has affected my household in various ways, the only few credit cards I had have close on me because of the bad reporting Carrington Mortgage has issued on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: WA

Complaint narrative:
I was on XXXX XXXX orders at the time since I am in the XXXX reserves. Ive told them multiple times. Not only that I have been getting texts from a friend saying they contacted him about me as well. I have no idea how they got his info. I have never given his phone number out to anybody. They havent called before XXXX or after XXXX but they are cutting it very close.

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 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I was billed {$85.00} for XXXX XXXX by XXXX XXXX XXXX that were performed for my wife XXXX 's XXXX XXXX on or around XXXX XXXX. I paid the bill through my medical savings account on XXXX/XXXX/XXXX. For some reason the payment was not recorded and before I could resolve the issue with them was sent to collections. IC System have been attempting to collect the {$85.00} from me for the past year. I have talked to IC Systems several times on the phone over the past year and have been unable to resolve the issue even though I have sent them documentation showing that the bill was paid. Every time I talk to them on the phone they post another negative report on my credit score. I know it 's just {$85.00} and I could just repay the bill again but it 's the principle of having paid my bill and still being sent to collections. I would like this resolved and the negative reports taken off my credit score. What can I do?

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 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have submitted multiple letters to XXXX and Experian about account XXXX Funding submitting a collection account for an amount that I had to contract with them to being with. Letters were sent via certified mail XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX. I asked them to give me verification with my SIGNATURE and contract on file with them. The only they have sent back to me was a bill which was not with them to begin with. According to the FCRA when asking for validation for an account it should be sent with my SIGNATURE and it has not. While looking at my credit report XXXX is listed at 2 different addresses with one in the state of South Carolina, the other Nevada.

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 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
There are a few medical items listed on my credit file which are unknown, I have disputed with nothing being received for validation I need help these are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Filed a complaint there are several issues regarding the following which has occurred on several occasions in addition too different colleges may not all be XXXX XXXX college and not reporting correct changes in forbarences and deferments to third party for collections in addition too allocating the total and permanent XXXX applications with sufficient documentations. Complaint to XXXX XXXX XXXX nelnet and all other loans third party collectors account holders for any and all loans for as XXXX XXXX XXXX xx xx XXXX for previous accounts defaulted and or sold or submitted through any of its subsidiaries and entities as a third-party debt collection for federal loans be properly investigated current and past accounts loans requests by student and all documentation sent and received on behalf of XXXX XXXX XXXX Proper requests have recently and past been made for forbarences and deferments to include XXXX discharge and reporting and filing of my accounts status prior to defaults were in deferment or forebarbnce but you and your subsidiaries and related entities prior to receiving accounts and after were not properly investigated nor acknowledges the processes and stays changes in accordance with all XXXX rules policies governing the loans and not properly handled according to rules policy and laws governing students with XXXX I gave submitted review for XXXX discharge and several total and permanent discharge for XXXX yet you and your related subsidiaries related to my previous account holders and current gave violated not only. My civil rights as a XXXX person but have submitted to board of education improper and incomplete paperwork regarding my XXXX and rights verifying social security XXXX income with 4 dependants exceeding the payment amounts being drafted through united states treasury received by us board of education submitted by XXXX. I want all monies refunded and every incident paperwork filing and complete account information to include XXXX and requests for discharge and paperwork submitted to civil rights office and respectfully revised and complaint filed formerly with you and all related entities prior and current involving any and all collected paid and unpaid student loans. request for reimbursement for received funds from treasury to XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXXXXXXXXXX. this request is to cease and distst all collections withholdings of all accounts while in review for XXXX discharge and acknowledge current and past deferments and forbarences. Investigation by attorney general and civil rights division. 

Email ( if you would like a response ) : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Used credit without consent XXXX XXXX GMAC Residential XXXX XXXX XXXX mortgage XXXX, City of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMAC Residential Holdings XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: GA

Complaint narrative:
Dear sirs, I purchased my vehicle from Carvana around XXXX/XXXX/XXXX, Ive not received my tags and registration to the vehicle by XXXX/XXXX/XXXX and contacted the office being my temporary tags were due to expire XXXX/XXXX/XXXX. 
The rep advised I should be receiving my tags by mail any day. By the time XXXX/XXXX/XXXX came, my temp tags are expired. I contacted carvana again and was advised by rep XXXX they should have come XXXX XXXXnd the rep will follow up with the department that handles the tags and contact me back. 
I received a voicemail on XXXX/XXXX/XXXX stating my tags were mailed out on XXXX/XXXX/XXXX and I should have received them by now., if not Im to file a police report and contact local DMV for replacement. 
I contacted the office back and talk to XXXX the operations XXXX, she informed they were indeed mailed out on XXXX/XXXX/XXXX, NOT XXXX and the next steps was to file a police report for lost or stolen tags, and contact XXXX, however, I have called numerous occasion, even prior to my temporary tags being expired and was NEVER informed this needed to take place, I was also informed they should be recieved by XXXX by another rep now Im being told something conflicting by the XXXX. 
I work 10/11 hour days and dont have the time to go to multiple entities to obtain my tags to a vehicle when Im under the impression the Car Dealership has processed. This experience has been extremely frustrating, not to mention I 'm at risk of receiving a ticket based on my expired tags. I have not come to any resolution with Carvana, I do n't even know if they processed the tags and registration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation