vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Money Management International, Inc.
State: VA

Complaint narrative:
A perpetrator falsified  XXXX  on or around  XXXX   XXXX ,  XXXX . I suspect spoofing crime which bribed authorities on  XXXX   XXXX ,  XXXX . The same pattern of hazing crime was committed on another reference number which helped criminals make advance by falsehood and unconstitutional response to  XXXX . If a government does not care to pay or waste   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , it would not be my concern or fear. After all, some of them took grants, contracts or scholarship by malpractice or identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I fi  led a complaint with your office a couple of months ago regarding a late fee assessed by Chase on my credit card. Specifically, they applied a payment that should have been for the new billing cycle to the previous billing cycle. I called and complained, so they removed the late fee from the account and I followed up by filing a complaint with your office due to how they improperly billed the account.
Since then, even though the late fee was removed, they have bille  d interest twice on the late payment. My first balance subject to interest is on  XXXX , so I should not receive any interest on balance transfers and have never made a purchase on the account. So it is clear they are billing interest based on a late fee that was removed. I am including statements for your records to show the interest billed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
It was my first student consolidation of my federal loans with navient. I was told by loan representative that because I was  i n  XXXX  I w ou ld get a forgiveness on some of my loan and because of my low income I would get a reduced fee on payments. He said do n't change anything at all when I send you those documents for your consolidation he said he had everything inputted on the application thst would allow me for the forgiveness and reduced rates of repayment ... so I did n't, I looked over the papers and signed and mailed in. I then received my loan papers and it had me at a high % repayment I owed  XXXX  but with loan over and done with it would be well over 150,000, I then seen that my monthly payments a month were 800 some dollars. I was better not going to navient and repaying each loan individually at a lower payment monthly then what I got before. I tried calling the guy after recieving what I quickly learned was an enormous lie from the rep at navient and I got nowhere, I was told there were no notes and nothing was told to me from navient of the sorts of discount monthly payment due to income and forgiveness on some of my loans for being in health care. I am more than willing to filter through all of my papers for the navient ones, I wrote everything down including the man who helped a his phone number and the enormous lies he claimed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a copy of my credit report and noticed that TransUnion was reporting tax liens. I then sent dispute letters to TransUnion to get verification of these tax liens that are showing on my credit report. I received letters back from Transunion stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA , sec 611 ( a ) ( 6 ) and ( 7 ) I have th e right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien. They have not provided the method of verification.

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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Good evening i am contacting CFPB in regards to a company who continues to send me letters regarding a debt that i already paid.    XXXX   XXXX   XXXX   t hrough the creditor  XXXX  has been sending me letters for years asking for a {$690.00} payment for a debt. They stopped in the past but started sending these letters again in  XXXX , particularly in  XXXX  of  XXXX . The latest letter i received from them was on   XXXX   XXXX   XXXX  .     I already paid this debt before to  XXXX  before it first went to collections but they did not acknowledge any of this. I have contacted them numerous times to mention this but it continues to fall on deaf ears. Can this please be sorted out and can i be helped with having this deleted from my credit report?     I should not have to suffer because of a debt that i myself paid already. I think what they did years ago in the past was after i paid it before it went to collections they sent it to another collection agency. This has greatly damaged my  credit score.      Not only that but I have attached pics  of one t ype of letter they normally send to me. Also if this can be taken care of can the collection agency please be asked if they remove it, that they can report it to all   XXXX   credit agencies  (   XXXX ,  XXXX , and  XXXX   ).  If this can be done it would be greatly appreciated.

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 2017-05-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a multiple inquiry removal letter and yet it is still registering under my name multiple inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: OH

Complaint narrative:
I received a copy of my credit report and noticed that Equifax was reporting  XXXX  tax liens. I then sent dispute letters to Equifax to get verification of these tax liens that are showing on my credit report. I received letters back from Equifax stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA,  sec 611 ( a ) ( 6 ) and ( 7 ) I have the  right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: OH

Complaint narrative:
I received a copy of my credit report and noticed that Experian was reporting  XXXX  tax liens. I then sent dispute letters to Experian to get verification of these tax liens that are showing on my credit report. I received letters back from Experian stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA , sec 611 ( a ) ( 6 ) and ( 7 ) I have t he right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this 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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
Disputed Debt .... I do not owe  XXXX  or NSA who is now trying to collect a bill I Do Not Owe. I do n't owe not One Cent..      Fraud and Extortion ... I cancelled the services after My Bundle was broke up with a New  company  XXXX . Pay off  XXXX  and  XXXX . Started a new service with   XXXX   and   XXXX  .     I have requested to have this item removed and my good name restored. I have disputed this bill debt with  XXXX  and  NSA  in writing. They try to get me to pay something ...  XXXX  the first time,  XXXX  the second time. I told them i owe nothing ... .and i will be paying nothing.     I disputed this debt and owe no money. all services were paid in full. This fraud and extortion to obtain monies not owed. After i have been loyal and excellent customer for years.

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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I received notice today by  XXXX   XXXX , that a company called  Stellar Recovery  reported a debt of {$68.00} to both  XXXX  and  XXXX . I have not received any communication from Stellar Recovery about a debt, and, had on  XXXX   XXXX , sent  XXXX  a proof of equipment return in response to a notice from them that I owed them for equipment not returned. I have proof of a receipt from their store with the serial numbers of my equipment confirming it was in fact, returned.     This is not a debt I owed to  XXXX , and it is fraudulent for them to sell this to a collector and even more fraudulent for them to report it to a credit agency without contacting me or verifying the validity of said " fraud ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America ( BofA ) is in conspiracy with XXXX XXXX  located in XXXX XXXX CA and XXXX XXXX XXXX ( XXXX ) located in XXXX, CA. The XXXX extortionists companies filed Notice of Default ( NOD ) without notifying my family last year XX/XX/XXXX, our home is in foreclosure and they set an auction date on XX/XX/XXXX, so they are involved in predatory lending/debt collection. Our home loan was modified in XX/XX/XXXX and our mortgage payments are current with XXXX, which is BofA 's financial partner, so we are not aware of this 2nd loan from BofA,  XXXX XXXX XXXX. They are harassing my family to take our home by foreclosure and high pressuring us to make $ XXXX down payment on XX/XX/XXXX and starting XX/XX/XXXX $ XXXX monthly payments for 6 years and repay $ XXXX in lumpsum payment after 6 yrs of repaying their collection billing/repayment plan. Our family is suffering from severe financial hardship because we are a one-paycheck household, my husband, who is the primary borrower, is unemployed. We have XXXX school age children and I have very expensive healthcare expenses because I have XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
Ad astra recovery is listed on all   XXXX   of my credit reports as a collection account. Ive contacte d Ad Astra and as ked for them to provide documentation that validates the account and was told they ca n't provide me any paperwork. I proceeded to ask that the account is deleted and they refused to update my credit file.     Under the FC RA 15 U.S.C. [ 1681i ] all un verified accounts must be deleted from each credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I requested validation of all the medical bills that are reporting on my credit as collection accounts, and I received a detailed breakdown of the treatment that was performed on me for the dates in question. However, this is violation  of HIPAA law as this does n't satisfy validation of the collections accounts, but only my personal information regar ding treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I checked my credit on a free website called   XXXX   XXXX   and i noticed a some negative collection agencies i know nothing about ... Tried contacting agency but so far i havent been able to reach anyone to fix this the issue ...     I have been trying to apply for a bank account and start my credit but since the negative account are on there i have being denied credit ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA
State: KS

Complaint narrative:
willful fraud & material misrepresentation by contract applying earnest money on a   XXXX    down VA loan that renders contract void due to the fact VA wil l not guar  anty the loan do to this violation of basic elements of a VA -Guaranteed Loan / this practice is a violation of basic elements of a VA -Guaranteed Loan along with fal se dating on page  XXXX  of  XXXX  of the Residential Real Estate Contract Page  XXXX  of  XXXX  and  XXXX   XXXX  hold the violation of down payment on a VA  XXXX  down loan. Purchase price & lender price are the same at  XXXX  down VA. BROKER AGENT RENDERED CONTRACT TO BE VOID OF VA GUARANTE DO TO HER VIOLATION KNOWING OR SHOUD OF KNOWN RULLS OF A VA LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In   XXXX   XXXX  , I received a notice from Bank of Americ a ( BofA ) st ating that my mortgage account is being transferred to  XXXX   XXXX   XXXX  (  XXXX  ) effective   XXXX   XXXX   XXXX  . No problem. At this point, I had an outstanding balance of {$7600.00} under BofA. In   XXXX   XXXX  , I received a statement from  XXXX  stating that I owed an outstanding balance of {$20000.00}. WHATTT!!!!! I wrote  XXXX  on   XXXX   XXXX   XXXX   disputing the outstanding balance. I received a letter from  XXXX  dated   XXXX   XXXX   XXXX   ( and received    XXXX   XXXX   XXXX     )  stating that I owed {$11000.00} for " property preservation ''. I do not dispute the " property inspection '' or the " property registration '' fees, even though I do not know why I 'm paying these fees. I am disputing the fee of {$11000.00} for " city/notice violation ''. This was the violation incurred by BofA when they did not list my property as foreclosed under  XXXX   XXXX   XXXX . I contacted BofA numerous times for them to pay this violation ( not incurred by me ) and they contact me via email on   XXXX   XXXX   XXXX  , stating that these violations were resolved. It seems that this violation is not resolved and I am being stuck with the charge.   XXXX   stated that I had to revolved this issue with BofA in order for this charge to be removed.  BofA  did not resolved this charge and I need your help to resolve 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 monetary relief
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX   this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. O n   XXXX   XXXX   XXXX   this company recei ved a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: POPULAR BANK
State: NY

Complaint narrative:
I was charged with a purchase. They give me a link to cancel the purchase and I gave them my personal information . (  social, address and bank account 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 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
O n   XXXX   XXXX   XXXX   this co mpany received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA S ec 809,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
From  XXXX   XXXX    XXXX  , I filled out the required information for a checking account over draft protection line of credit. First rejection letter from Huntington said that they could not verify my address. So I went into the branch to verify my address filled out another application. Second rejection letter from Huntington said my application was a duplicate inquiry ... .. therefore it also was rejected. I have called Huntington and wr ong two le tters and NO RESPONSE! I can only assume I am being discriminated against/based on where I live???????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on   XXXX   XXXX  n regards to an account, Timepayment, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on   XXXX   requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.   
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and reta  ined in their file at the time of my request concerning the accounts that they are reporting in my credit report.   According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if they do not investigate AND respond, Experian must delete the disputed information from its files.
I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing them to 3rd parties, Experian is damaging my reputation and credit worthiness.

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