vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
In late XX/XX/XXXX I received multiple calls from Medical Business Bureau stating that they were trying to collect a {$93.00} debt from XXXX Hospital. I informed them that 1. They never mailed out anything in writing and 2. Based on what they communicated the debt was not my responsibility. I requested information about the dispute process, I verbally stated that I was disputing the charge and I mailed official dispute in writing a couple days later. After that I never received verification of the validity of the debt. On XX/XX/XXXX I found out that in spite of my dispute this company had notified both major credit bureaus and this collection now appears in my account. The dispute is less than 60 days old, there has been no investigation of my dispute, no written verification of the validity of the debt as required by law, and no further update from this company. They knowingly reported an account that was in active dispute status. I am requesting immediate removal from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is collecting 4 debts for XXXX XXXX Emergency Room, listen before you guys are making up your bills, you need to make sure that it's real. Or I'll take legal action for destroying my reputation. I went to see a doctor at XXXX XXXX not in the emergency room, I had an appointment. I had my insurance, and was covered. And I went there only once in my life. I never seen those 4 collections, if we'll have to take care of that in court. Because you guys are all over my report for false debts. Now if you don't go ahead removing these false reports from my credit reports. I'll file against XXXX XXXX XXXX in court. That's a totally destruction you guys are doing to me, it hurts my credits reporting debts that even you guys have no ideas where the hospital got them { { { { { Opened : XX/XX/XXXX ( 3 yrs, 7 mos ) Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 2 yrs, 6 mos ) Account status : Open Amount : {$310.00} Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Amount : {$300.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 4 yrs ) Account status : Open Amount : {$38.00} Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is collecting 4 debts for XXXX XXXX Emergency Room, listen before you guys are making up your bills, you need to make sure that it's real. Or I'll take legal action for destroying my reputation. I went to see a doctor at XXXX XXXX not in the emergency room, I had an appointment. I had my insurance, and was covered. And I went there only once in my life. I never seen those 4 collections, if we'll have to take care of that in court. Because you guys are all over my report for false debts. Now if you don't go ahead removing these false reports from my credit reports. I'll file against XXXX XXXX XXXX in court. That's a totally destruction you guys are doing to me, it hurts my credits reporting debts that even you guys have no ideas where the hospital got them { { { { { Opened : XX/XX/XXXX ( 3 yrs, 7 mos ) Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } ; { { { { Opened : XX/XX/XXXX ( 2 yrs, 6 mos ) Account status : Open Amount : {$310.00} Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } ; { { { { Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Amount : {$300.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } } Opened : XX/XX/XXXX ( 4 yrs ) Account status : Open Amount : {$38.00} Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
These are Parent Plus loans ( 4 of them ) that started in XX/XX/XXXX with a consolidation loan for {$44000.00} a XX/XX/XXXX for {$13000.00}, a XX/XX/XXXX for {$6600.00} and a XX/XX/XXXX for {$6600.00}. 

The calculation of interest payments via various " forced forberance option ''. ( It is forced because Navient did not give any other option ) In my case my son studied a XXXX XXXX degree in Puerto Rico and attended college all the way to be a XXXX candidate at XXXX, from XX/XX/XXXX till now. Evidence for attendance to schools was always provided to Navient. 

NAVIENT claims that the 4 parent loans have accumulated interest and that the loans are now {$120000.00} + This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
In XX/XX/XXXX Mr. Cooper formerly Nationstar emailed me and sent a letter notifying me that XXXX had sold them my home loan. A few days later I received a letter in the mail stating the same thing. The effective date of the transfer was XX/XX/XXXX. In that same email they said that they would mail me additional information in about two weeks. I received no payment information for XX/XX/XXXX. I received no written statement of debt : where should payments be made, no monthly statements, no information about what to do if I wanted to seek a new loan company, etc. On or around XX/XX/XXXX I still had not received a monthly statement for payments to the new company. I called Nationstar/Mr. Cooper was was told that I could sign up online to make payments. I told them that while I would sign up, I was requesting that an actual monthly statement be sent to me. I should as required by law be provided written information about my debt. Nationstar/Mr. Cooper never sent a XX/XX/XXXX bill/monthly statement and never informed me of the amount due for XX/XX/XXXX. I eventually just paid the same amount I had previously paid to XXXX. Each time I called I got random answers about why they were refusing to send me a XX/XX/XXXX mortgage statement or bill. Once again - Nationstar/Mr.Cooper refused to send a XX/XX/XXXX bill/mortgage statement in writing as requested many times. In late XX/XX/XXXX I started receiving harassing calls from Mr. Cooper staying that XX/XX/XXXX mortgage was not paid. I immediately disputed that. I provided the date that it was paid from my XXXX banking account. Mr. Cooper informed me that they applied that payment to XX/XX/XXXX. I immediately demanded to talk with a supervisor and disputed that XX/XX/XXXX was not paid. Mr. Cooper did not own the loan until XX/XX/XXXX. XX/XX/XXXX payment was already made to XXXX. Mr. Cooper refused to send out a monthly statement or bill for XX/XX/XXXX. Currently Mr. Cooper is reporting me to credit bureaus as being late because they have been and continue to apply payments one month behind. Once again- XX/XX/XXXX payment was applied as an XX/XX/XXXX payment- when Nationstar did not own the loan until XX/XX/XXXX. Payments are not being applied correctly. Mr. Cooper refuses to send a XX/XX/XXXX bill/statement in writing as required by law, and Mr. Cooper is not honoring the dispute process. I disputed in writing that XX/XX/XXXX payment was owed to them ( they didnt own the loan until XX/XX/XXXX was half over and payment was made to XXXX ). The creditor is refusing to send written proof of an amount owed ( No XX/XX/XXXX bill ), and they have incorrectly reported me to the credit bureau as being late when this is in dispute and Mr. Cooper has not provided written verification of the dispute status as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear TRANSWORLD SYSTEMS I have no idea who, where, and what is XXXX XXXX XXXX, please I have never had any service by such company. I'll need to be resolved or we can take care of that with our court system. I don't know that company, I have never been to any business named XXXX XXXX XXXX. You are attempting to collect a debt that's false, and that is illegal to have it on my credit reports. I'll send this to XXXX to make sure to run an investigation on your cases because I looked Transworld on XXXX also it says you guys only purchase debts that are not true, inaccurate, false, and paid. Please I'll ask you to do a real favor, destroying my reputation is crime when you do it with a debt that I don't know of. Thank You!!! 
{ { { { { Opened : XX/XX/2016 ( 1 yr, 11 mos ) Account status : Open Amount : {$860.00} Amount : {$68.00} Original Creditor Name : XXXX XXXX XXXX } } } } } } }

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, what's wrong? XXXX XXXX and XXXX XXXX I are collecting the same debt from a hospital that I don't know of. How can that be done? 
XXXX XXXX  Case OpenedXX/XX/XXXX ( 2 mos ) ; Account status : Open ; Original Creditor Name : XXXX XXXX XXXX XXXX And then XX/XX/XXXXXXXX XXXX  I Case Opened XX/XX/XXXX ( 1 yr, 11 mos ) ; Account status : Open ; Original Creditor Name : XXXX XXXX XXXX Please Equifax something wrong is going on, all those reports on my credits are all almost false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Unfortunately I have to complain in reference to previously submitted complaint XXXX! I have contacted American Express several times, all the time I am being asked to wait. It got worse these past two days as while I was speaking to their representatives, they are saying that my case was opened on XX/XX/XXXX, meanwhile I have no idea about it. -After submitting my first complaint, on XX/XX/XXXX American Express has replied with a letter, just apologizing and asking to wait for final decision. Let alone I never received any further notification nor letter as they committed, now American Express are telling me that my case was opened on XX/XX/XXXX!!!! Is it my lack of comprehension or American Express ' horrendous customer service? I need a final decision communicated to me via letter as they have promised. I can not take it anymore, dealing with highly incompetent reps. I don't mind them not having an answer, what is frustrating me is the fact they keep telling me untrue information. I have not dealt with one single representative nor supervisor who would own the issue from start to finish. Please, give me a final conclusion, I don't want to deal with your highly poor Customer Service, incompetent and misleading representatives, lack of care from you ( AMEX ) as a company to keep your word!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
I have a foreclosure sale date of XX/XX/2018. I have submitted my offer to the bank for a short sale, and the bank is stating that they can not review the documentation due to the time frame. I feel as if i am about to lose my mind. I have been trying to maintain this mortgage for the last year. I had informed my lender that i was having trouble, I have tried my hardest, and I am desperate for help. I feel as if my lender is being unreasonable and they are not doing what the government says the lenders should to provide foreclosure alternatives to me ( as the homeowner ). Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 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: AZ

Complaint narrative:
XXXX, XXXX  and Trans Union stated they deleted and permanently blocked the following fraudulent and unauthorized credit card accounts from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, {$470.00}, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts are all fraudulent, unauthorized and dont belong to 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 2018-01-28 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: KY

Complaint narrative:
I called Transunion due to the inquiries that have been applied on my account. When Transunion went through there Glitch a bunch of inquiries were added to my account that has never been there and not authorized from me. When speaking to a account representative stating to them I have proof of document that I was apart of the Glitch, they paid me no attention. I have listed the inquiries below that need to be removed or I will go for legal action.I am very aware of my rights and Transunion failed there legal rights to speak to the people on the Glitch and actions that where taking place. If you look through you can see where the inquires are even done at the same place months after ( This are not from me ). 

1XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX   XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX ( again ) XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX ( again ) XX/XX/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 2018-01-28 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX DC, {$480.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. I been receiving harassing and threatening phone calls of abuse, death threats, profane language, threats of arrests and taking legal action against me repeatedly from the above debt collectors. I have sent cease and desist letters to the above debt collectors via USPS certified mail, informing the debt collectors the account is fraudulent and unauthorized, and requesting for them to stop calling and writing me about the above reference and fraudulent accounts. The debt collectors from the above creditors continue to call and send me letters. This is a serious breach and major violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. The above creditors are in violation of the ( FDCPA ).

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 2018-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, {$480.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. I been receiving harassing and threatening phone calls of abuse, death threats, profane language, threats of arrests and taking legal action against me repeatedly from the above debt collectors. I have sent cease and desist letters to the above debt collectors via USPS certified mail, informing the debt collectors the account is fraudulent and unauthorized, and requesting for them to stop calling and writing me about the above reference and fraudulent accounts. The debt collectors from the above creditors continue to call and send me letters. This is a serious breach and major violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. The above creditors are in violation of the ( FDCPA ).

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 2018-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
someone used my social and birth date to open a XXXX XXXX XXXX XXXX, however i am not or never have been a member of the united states XXXX or XXXX, which i later found out to be a requirement to even be approved for a XXXX card.i contacted the company several times via us mail letting them know tis was a fraud account. police reports were sent to the company along with an id affidaviat. i also requested a signed document bearing my signiture to prove i didnt open the account, XXXX XXXX  failed to send any documentation with my signiture within the 30 day limit required by fcra. this account is also showing up twice on my XXXX  credit report lowering my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In 2009 when I graduated Navient encouraged forbearance and deferment of payment for the loans I have rather than income based repayment plans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Bayview loan Servicing llc has added XXXX to my Mortgage that was sold to them by XXXX XXXX XXXX who did foreclose on me in XX/XX/XXXX.I filed for modifaction in XX/XX/XXXX and was denied stating I failed to return documents 4 times I needed that modafication my spouse XXXX XXXX do to injury 's from XXXX.I did the modifaction with Bayview with the interest rate the same 7.25 % for 45 years I had already paid for 16 years my balance was XXXX.I Have paid them for 2 years always ahead not behind. I provided a lot of evidence to the credit Company 's as of XX/XX/XXXX the credit Company 's have deleted Bayview Loan Servicing llc from my credit file.I 'm paid up till XX/XX/XXXX.Also they sent me 2 XXXX tax forms one under my info and another one under my name along with my XXXX Spouse under XXXX XXXX XXXX   XX/XX/XXXX.If you could please help me I have no funds since Irma.Much respect.I DO NOT OWE XXXX .XXXX SHOWS ON CREDIT REPORT PAID 100 % OF  MORTGAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been disputing for a whole year and two months every month to get these fraudulent accounts removed I sent in my FTC identity theft repot and my affidavit most of the accounts was removed from XXXX  and XXXX but Im having such a hard time with experian then they sent me a letter stating they we no longer reinvestigate these accounts which are reporting negatively on my 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 2018-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I did not Authorize sears to give Inquiries on the following dates XX/XX/XXXX and XX/XX/. These Inquiries are fraud I did not authorize them.

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 2018-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax is reporting two addresses on my credit report that I have never lived at or been associated with. I disputed these addresses on XX/XX/2017 with Equifax and have not received a response from this company. The addresses are listed below. I have never lived outside of Arkansas so this California address should not be reporting on my credit report. Please investigate these addresses and remove them from my credit report. 

XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
i was a victum of id theft someone used my information to obtain loans in my name that were not authorized by me i made several attempts to notify the company with police reports and id theft affidavites. loans were opened on XX/XX/XXXX for {$3400.00}, {$3500.00}, XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$2100.00}

Company response to consumer: Closed with explanation