vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: KY

Complaint narrative:
MERCHANTS ADJ SERVICE never sent a Debt validation notice to me by mail nor did I receive a forward request of mail from them. MERCHANTS ADJ SERVICE reported to all 3 major credit bureaus a debt I do know nothing about. I have XXXX and XXXX which pays 100 % my claims and when I contacted my insurance they stated all claims are paid and full and that I shouldn't owe any medical company a debt. To told me to file with the federal agencies. So that is why I am filing with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I filed several complaints with XXXX  and XXXX over a serious problem with Santander USA, they both closed the account on XX/XX/2018, but it's still showing a derogatory reporting and this debt should not show a derogatory balance at all, they do not have the correct paper work which I have contacted them ( Santander ) as well and they are making false claims in reference to this account I have sent several certified letters to XXXX XXXX  and Santander and I am just receiving a closed account with a balance Santander has already made false claims and if the balance of this closed account is not resolved I will file a small claim against the companies stated above for breaking for violating section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ) as well as under ( section 616 & 617 ) and I will pursue litigation to force the rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: VA

Complaint narrative:
I filed several complaints with XXXX and Experian over a serious problem with XXXX XXXX, they both closed the account on XX/XX/2018, but it's still showing a derogatory reporting and this debt should not show a derogatory balance at all, they do not have the correct paper work which I have contacted them ( XXXX ) as well and they are making false claims in reference to this account I have sent several certified letters to XXXX, Experian and XXXX and I am just receiving a closed account with a balance XXXX has already made false claims and if the balance of this closed account is not resolved I will file a small claim against the companies stated above for breaking for violating section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ) as well as under ( section 616 & 617 ) and I will pursue litigation to force the rights under FCRA.

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 2018-03-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has failed/refused to report my credit card balance which was paid down to approximately {$780.00} 30 days ago. A rapid re-score company has also contacted USAA about getting the updated balance but USAA has declined to provide a response regarding the large payment I made approximately 30 days ago. 

While the correct balance is reflected on USAA.com ( see attached ) it has not been reported to the credit reporting bureaus which still show it as {$2200.00}. I feel this is done intentionally as USAA has been contacted to do an update by the rapid re-score firm twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
This is a debt I owe for a red light violations..I 'm assuming a municipal debt. However I'm receiving back to back call after a FOTI/message was left. I received a call on Monday XX/XX/XXXXat XXXX ... and a XXXX minute message left. After the message was left ... I received another call a minute or less right after on the same date XX/XX/XXXX.This happens all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD

Complaint narrative:
Last week, I received a collection notice from RMCB ( Retrieval-Masters Creditors Bureau , Inc. for payment for two services from XXXX XXXX XXXX XXXX dated XX/XX/2015 and XX/XX/2015. I knew of no outstanding bills. I contacted XXXX XXXX. They could not find or identify the account numbers noted on the RMCB invoice and further confirmed I have no outstanding payments. Concerned about the 2015 dates, I researched the company online. After learning RMCB has a track record for issuing invoices for money not owed, I chose not to contact them and provide any additional personal information. Hopefully this may help others to check before sending payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: DISCOVER BANK
State: FL

Complaint narrative:
I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, Discover reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted Discover to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the XXXX late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: GA

Complaint narrative:
Hello I'm requesting help with a verification of debt with XXXX XXXX XXXX. I wrote them on XX/XX/2018 and they never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX I received a credit alert stating that credit acceptance reported on my XXXX account XX/XX/XXXX. This account has been paid on time and closed since XX/XX/XXXX. Why is Credit Acceptance changing the status of an account thats XXXXyrs old? This is in direct violation of the Fair Credit Reporting Act.

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 2018-03-07 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: GA

Complaint narrative:
XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
Transunion  : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} XXXX  : XXXX {$1000.00} XXXX XXXX  {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: GA

Complaint narrative:
XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} XXXX  : XXXX {$1000.00} XXXX XXXX   {$1600.00} ( did not provide me proof of signed HIPPA ) Experian : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect 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 2018-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.

Complaint narrative:
While currently serving in the United States XXXX XXXX overseas ( XXXX ), Navient put my student loans in default. Navient has my XXXX XXXX address because it was provided to them before I departed the United States for my service. 

To begin with, prior to leaving California, my loans were in deferment because I was a XXXX XXXX student at XXXX XXXX. I spoke with a representative the 1st week in XX/XX/XXXX and requested a XXXX XXXX XXXX. They informed me that my loans were in good standing and that the paperwork regarding my full-time status at XXXX State and my enrollment in the XXXX XXXX was acceptable and that I had nothing to worry about. I wanted to make sure, before leaving the States, that Navient wouldn't make any mistakes and place me in a default status : was I wrong. Just recently, I found out within my year abroad that my loans defaulted and that my credit ruined. I contacted Navient over a course of 3 months. Over this course of 3 months, I've spoken to several representatives ; sent emails and I have given them my address where they could send notices. Never once have I received in writing or email, that my loans were in default. I finally spoke to a representative who assured me that everything should be ok and that I will get an answer. In the meantime, I sent Navient every document : XXXX XXXX proving I was enrolled full-time and an official letter from XXXX XXXX stating that I am serving for 2 years and 3 months. With that said, I received an email from Navient stating that my loans are in good standing and that I am in forbearance and have to make a payment starting in XX/XX/XXXX. The problem with that is I am in the XXXX XXXX and can not make payments. My service ends XX/XX/XXXX, and will not be gainfully employed, but will enroll back at XXXX XXXX XXXX of XX/XX/XXXX. Instead of placing me in a deferment status, I'm in a forbearance status which was not suppose to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: OH

Complaint narrative:
Today XX/XX/2018 at XXXX I contacted XXXX at XXXX. I contacted them in an effort to get my online banking unlocked. I currently have a Checking account, Credit card and Life Insurance policy with USB. I was told the only way I could unlock my Online Banking was to obtain a Debit Card. I expressed that I do not want a debit card on my checking account, that it is a service that is not wanted or needed. The individual on the call ( which I did confirm was recorded ) stated that it was required to have a debit card to have my account unlocked, because I had a debit card in the past ( which was five years ago ). I do not appreciate being FORCED into a product or service that I do not want, expressed that I do not want, and that I do not need. I feel as though they acted as XXXX XXXX recently did, but giving me no option and forcing me into a product that was never disclosed as a requirement. I do not want a debit card, I do want online access. And considering this was never a disclosed requirement to have a debit card to have online access I want it resolved immediately. I also highly encourage you to listen to the recorded call, I just had. I am completely amazed that they very abruptly violated regulation by forcing me into a service.

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 2018-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Equitable Acceptance Corp
State: NJ

Complaint narrative:
Unauthorized withdrawals are being from a fraudulent from the XXXX XXXX XXXX XXXX. They are stealing money from my XXXX  XXXX XXXX checking account. I filed a fraud dispute claim against them, but now they have changed the name of their company in a sneaky manner to Equitable Acceptance Corporation and continuing to steal more money with additional unauthorized withdrawals. 

I called and filed another dispute with the fraud dept of XXXX  XXXX XXXX. This is getting out of hand and I need assistance to put a stop to their dishonest and criminal business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WI

Complaint narrative:
In XX/XX/2017 we filed our original lBR. In XX/XX/XXXX our income changed dramatically due to job loss. On XX/XX/XXXX we filed for a 30 forebearnce and re filed all paperwork to reflect this with A.E.S. On XX/XX/XXXX we were notified by mail that we did not submit all the paperwork to reflect my wifes income. We called them and the customer service agent told us that they were missing half of the paperwork that we faxed in. First, we mailed the paperwork. Second, they claimed to have pages 1,3,5 and 7. So pages 2,4 and 6 were on the back of these pages. We were also told that we have to hand write statements to coincide with the job loss. We were not told this before. We were not required to do this with our other 2 loan servicers. It also states in the IBR from the student loan website that you are NOT required to submit any additional paperwork stating this. It states this twice. We then FAXED and MAILED the paperwork again, within 24 hours. We requested another temporary forebearance to allow for this to be entered. We were denied. We were assured by the customer service agent and the manager on duty that this would not be necessary and they would fix the issue. On XX/XX/XXXX we received an email stating that we were 5 days behind on payments and now facing the possibility of default. We have not even been told what our new payment is or if we qualified for a lower payment due to the new IBR paperwork. It also threatens to report to the credit bureau. This company is constantly finding ways to threaten us with this and they are never timely on their end, or they misplace paperwork that is given to them. We also have loan amounts that are 3X the original amounts due to them constantly changing the interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: FL

Complaint narrative:
I HAVE ATTACHMENTS IN THE ATTACHMENTS I HAVE LISTED THE FRAUDULENT NAMES AND ADDRESSES ALSO I HAVE ATTACHED MY FTC FORMS OF ID THEFT.

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 2018-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I got a car from XXXX XXXX XXXX and was sold a lemon when I first got the car. It went hot I paid to have it towed in to them to get fixed and 3 days later it started running hot again. They never did fix I had to ride around with water in my car until I could pay someone to fix it. I wrecked the car while driving it the front end fell off and I hit something come to find out they sold me the car with the front end zipped tide on to the front of the car I knew it was loose and asked them to fix but they never did when the car was wrecked I called them because I had insurance in it through them plus warranty and they never did send anyone out or have it towed the car sat for almost 2 months until my apartment complex had it towed now they have it on my credit report as a repo instead of it being wrecked I had no AC or heat they never fixed it the horn went out the door wouldn't open with keys I was sold a overpriced lemon and its not right and I had warranty yet they still didn't fix after it was wrecked after many calls and emails that I sent I gave up they didn't care the car was not a repo the car was wrecked and they never fixes it like they promised the car sat for almost 2 months they sold me a lemon I have pictures of the damaged car and emails that I have sent and screenshots of all my calls to them yet they never sent anyone to look at the damages or call me back or even send a tow truck. Now they have me down as a repo on my credit report making my score go low and unable to get another car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am in a bankruptcy and I sent in authorization three times and each time Wells Fargo says that they did not receive it and then refused to check the date that it was sent in when I looked up the confirmation. The dates that authorization to speak with my bank were sent in on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2018 and they still purport to having not received it so that I can not check on the status of the modification that I sent in until the documents have expired. My modification full and complete application was sent in on XX/XX/2018 to the Wells Fargo Fax and was confirmed to have been received on XX/XX/XXXX when I called in to check the status of my application.

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 2018-03-07 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: FL

Complaint narrative:
I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, XXXX reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted XXXX to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the 3 late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.

Company response to consumer: Closed with explanation