vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA

Complaint narrative:
In XXXX, XXXX this company called me requesting I pay a debt. Immediately recognizing the debt that I had been trying to get resolved with my insurance company and previous employer I informed them of the situation. My employer neglected to add my son onto my insurance after he was born, they admitted fault to this. Then the hospital who owned the debt billed the wrong insurance company, again they admitted their fault in this. Meanwhile I was in contact with my insurance, XXXX hospital, and the collection agency almost constantly. 

After everything was finally billed correctly I was left with a balance of roughly {$1600.00}, this was in XXXX, XXXX. I had to scrape by to find a way to pay the company this so on the morning of XXXX XXXX, XXXX I called them prepared to pay this bill in full at which point they informed me that because I had taken so long to pay I know owed over {$500.00} in interest. I was shocked and in tears and tried to reason with them that this is not something I can afford. I had been in constant contact with them for months and they knew the situation and never once had they disclosed interest. 

After being transferred from XXXX XXXX who has verbally made me feel uncomfortable and threatened many times XXXX to her supervisor she berated me with a condescending tone, uncaring that the fees she had charged were never disclosed at any point as a possibility. She decided to lower the interest by about {$80.00} dollars. Eager to get her and her cronies out of my life, I paid in full. 

I understood that at some point I would need to pay this bill, but I had no idea how much it would be until my insurance could process it. The collection company knew this and still they added fees without my consent. I am not trying to get out of paying this bill, I just do n't think I should have paid the fees given the circumstances. 

Please listen to all calls with this collection agency to understand their threatening and demeaning tone. I am mortified and depressed and meanwhile this unethical company gets to open their door another day to harass people who actually do honorable things for a living.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I have contacted my mortgage company roundpoint consistently over the past 2 months to try and resolve my escrow issue. I have asked repeatedly for a copy of my original documents to be sent to me but have yet to receive those, or find a resolution for my account. I have now been assigned to 3 different customer advocates none of which are ever available for calls nor do they return my calls. In the interim I have reached out to customer service to try and resolve this but have been told every time I need to speak with my customer advocate, which never pans out. I am unable to contact anyone or receive a response.

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 2017-10-13 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have contacted this company on several occasions to update my credit report with the correct information. They continuously report that my account is closed and does not reflect the actual balance on my mortgage. I have spoke with several managers that assured me that this would be corrected and as of today 's date, it has n't. My account is current and open and I would like that information reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was part of the Equifax data break. On XXXX XXXX I filed out the preliminary paperwork. On XXXX XXXX I had access to the next phase - to fill out the XXXX ID preliminary paperwork. After filling out this paperwork, I was told I would get an email to activate the account. 

This email arrived on XXXX XXXX. The link however does not work -- the system is always busy, or it asks for my date of birth and then states that it can not continue. 

I called the number listed on XXXX XXXX - and was told that they could not assist me, they can only help with website issues. 

I have continued to try to access the site without success. I reached XXXX on the phone today -- he tells me they ca n't find any information on me. I am transferred to Customer Service. That agent XXXX XXXX XXXX also ca n't find my information and gets XXXX, a supervisor, on the phone. XXXX tells me that I am not showing up in their system and I need to start the entire process over again! 

I have spent more than a month trying to obtain the XXXX ID service they have offered without success. Now I am being told to start again -- and wait yet another month! 

My biggest concern is how did they lose the information and paperwork I have already submitted!! So not only was my information part of the breach - they have now lost my paperwork to protect myself from their original error. 

This is disgraceful and something needs to be done to protect me from their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I filed a XXXX XXXX XXXX in XXXX of XXXX And both navient accounts were supposed to be XXXX however it never did and sent both accounts to collections I tried talking to navient but they were only interested charging me full price which far exceeds original loan amounts Also the loans were originally under XXXX XXXX before becoming navient the account originally went negative in XXXX when I went to XXXX XXXX service As being over 7 years of initial negativity Both accounts should be removed from my 3 credit reports they also filed a lot of misinformation in my file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: LA

Complaint narrative:
I conducted a serious of disputes regarding suspicious negative items on my credit report in XXXX and the items pertinent to the disputes were deleted. I distinctly remember a fraudulent charge under {$200.00} that was attributed to an address at which I did not reside-one XXXX XXXX at XXXX, TX. Incidentally, following the resolution of the dispute, a department at the XXXX of XXXX referred the " deleted debt '' to an agency called " XXXX XXXX XXXX '' The item was already deleted as the dispute demonstrated that the debt was unfounded and not mine, yet it is being reported once more. I contacted Contract Callers Inc and spoke with a XXXX XXXX, who stated explicitly to me that the company is unable to suspend the account on-file with their office to begin an investigation of sorts to get this matter resolved without obtaining my address to provide me a fraud packet. As I understand it, despite what she said to me, a police report is not needed to move forward with such claims, nor is a company obligated to use a 'fraud packet ' as the sole basis for an identity theft investigation. It was an aggression and deceit that which the collections representative XXXX XXXX employed to obtain personal information from me despite the fact that as a victim of identity theft, I did not feel comfortable giving a company unknown information after already having to use my SSN as self-verification. The information she provided regarding the procedure is untrue just as much as the company is wrong for seeking the fraudulent debt that which has already been permanently removed from consumer reporting agencies.

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 2017-10-13 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: WA

Complaint narrative:
I 've contacted the 3 credit report bureaus XXXX Equifax, XXXX XXXX, and XXXX XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear Equifax, XXXX XXXX, and XXXX! 
Please provide the XXXX of XXXX with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every XXXX constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying XXXX and XXXX Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).  All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
There is an account on my credit report from GC Services with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
contacted citi bank about a email i got on XXXX XXXX email from XXXX and citi bank .Stating I HAVE FUNDS Aa over due payment USD XXXX CITIBANK. I SHOULD CONTACT Citibank contact CITIBANK XXXX XXXX sq. XXXX, Kentucky XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX web site www.citibank. com wanting my info end of letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., dc XXXX XXXX, XXXX I called Citi bank number asked for fraud dept. They put me thru to a foreign country, they asked me for my dept card number they did not understand me. i ask to be transferred to a XXXX XXXX. Real bad could help me they me another number for fraud. This was the XXXX .THEY TOOK MY INFO .REF NUMBER XXXX XXXX said i should let you know. ps DOES ANYBODY CARE XXXX XXXX XXXX thanks

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 2017-10-13 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:
To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the attorney general office. 


XXXX XXXX XXXX Acct # XXXX EXPERIAN

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 2017-10-13 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: NJ

Complaint narrative:
There is an account on my credit report from XXXX XXXX with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.

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 2017-10-13 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: NJ

Complaint narrative:
There is an account on my credit report from XXXX XXXX with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX XXXX, XXXX Nationstar Mortgage is refusing to give details as to some XXXX of unspecified charges that were added to our Mortgage. Our mortgage Balance is XXXX now when our first Mortgage note was XXXX 10 years ago. We were never more than 3 months behind on our mortgage thus there could never be XXXX in deferred interest. We realized the seriousness of the issue when we contacted Nationstar for a refinance and were told that there is a specified second mortgage on the house and that they could not refinance us, nor could anyone else. We do not have a second mortgage, we make XXXX payment. 

Sequence of events : XXXX XXXX : We had contacted Nationstar for some account research with an official XXXX request. They assigned a number XXXX. 

Representative XXXX XXXX in XXXX Tx began to investigate the issue and could not explain what the charges were except to say that they were added during a government sponsored making home affordable modification. 

On XXXX XXXX, XXXX she confirmed Nationstar does not have the actual details of the charges and that they were reaching out to the mortgage owner. I have attache said correspondence. 

XXXX XXXX stopped talking to us and everyone else can no longer see the case. XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX were all involved in or first mortgage origination and modification, yet they all seem to have thrown out all the evidence. 

We ask that the CFPB give XXXX XXXX a deadline to accurately detail the charges that build up our balance higher than our original note. This can not be called " deferred principle '' because we did not originate this amount. They need to describe each line item as a fee, penalty or differed interest and back up with the proper paperwork. If not done in a timely fashion, we ask CFPB assist in removal of this fraudulent amount. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: AES/PHEAA
State: WV

Complaint narrative:
XXXX XXXX and XXXX AES and XXXX XXXX put on my credit report information they werent supposed too under the current situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the XXXX XXXX XXXX. If this error is n't removed i will be seeking compensation through a civil courtroom for damages {$3000.00}. You will be faced with fines and several consequences due to the fact that i 'm unaware of this account and i was never contacted by no one to get my consent. 

COMMON WEALTH XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Today I was called by a " locating company '', who misled me by listing their name on caller ID as a person, not a company, who told me to call XXXX and refer to case # XXXX. I called the number and they said they were an attorney 's office and it still shows on my credit report that I owed XXXX ( XXXX ) and now that they located me, my choice is to pay them TODAY or go to court. The man kept saying I was going to be sued. Numerous times, now that they have located me. They said they were suing me for breach of contract, in the amount of XXXX (? ) or I could pay {$2700.00} after I went to court. I said I had to call my son. I think I got this card when I was in XXXX, NC and we went bankrupt while in XXXX. We moved to Virginia in XXXX. 
I told them there was a statue of limitations and we had gone bankrupt. The man said there was no statue of limitations and I could pay or go to court. The man kept saying that it still showed on my credit report. In VA, the statue of limitations is 6 years. It has been 12 years and I do not know why they are harassing me now. My husband died, I live on a fixed income and there is no way I can pay this bill. Plus, it should have been taken care of by our bankruptcy. The man said the name of his company so fast I could n't hear it. I asked him 3 times who? I did n't understand the name of the company OR the man 's name. 
I lived in XXXX, VA for 10 years and I have received NO paperwork when I lived there. I moved, and I have received no paperwork since I moved to my new address. I have been here 2 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 2017-10-13 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: WA

Complaint narrative:
I 've contacted the 3 credit report bureaus XXXX XXXX, Trans Union, and XXXX XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear XXXX, Trans Union, and XXXX! 
Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!

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