vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
XXXX XXXX XXXX phone number XXXX has called my adult children multiple times, they also called an elderly neighbor but they have not called me. They have also called my daughters number asking for another person regarding me. My daughter has not lived a my address for 10 years and my son has never lived at my address. When I called the number left on my daughters voice mail with the reference number they would not tell me why they are trying to contact me unless I give them my SSN. Four years ago someone filed an income return with my SSN and it cost me a lot of money to get it resolved so unless I know the company and the exact reason I will not give my number out. Since I called XXXX XXXX XXXX they have continued to call my children and people I have no association with other than we live on the same street. I  have not received mail from them explaining why they are looking for me. The phone calls are multiple times during the day and everyday.

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 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX a call was placed to XXXX XXXX requesting a copy or original bill as well as the collection bill. Nothing was ever received. Today XX/XX/XXXX a call was made again requesting and wanting to know why the documents were not sent. This rude lady said they arent required to send original bill even though they work for XXXX XXXX   XXXX. I again requested copies. They were given address to send to.2 addresses and neither address received one. At first she stated that when the bill was disputed they had to send to address XXXX has on file. Well the call was made requesting information 3 weeks prior to that. Enough time to send to address requested. Yet they did not. These bills were a surprise. My ex wife has put me down as responsible party and weve Been divorced for 7 years. I have not been to XXXX XXXX. Thats why a request was made for original bills and to see who signed the forms at office for procedures. Ive received bills with my ex wife being patient and me as responsible party. Im not sure how a hospital or medical business can add a person as responsible party without their consent. This needs removed off my credit. Ive given them since XX/XX/XXXX to produce a bill and they refuse and say they can only send the collection bill. Before I or anyone pays a bill they are unaware of. They should have right to see what they're paying for. Since they have not been a patient at place bill is from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
I have filed several complaints with CFPB, and now there is another debt collection agency trying to collect for the same invalid debt. This company is called XXXX XXXX XXXX XXXX. I have not gotten a tax refund since XX/XX/XXXX, because XXXX and the Department of education have been keeping my refund every year. I had a {$2500.00} loan in XX/XX/XXXX, and it was discharged because the school closed due to improper record keeping and faulty aka fraudulent student loans the school was conning students into signing. In XX/XX/XXXX I was part of the class action suit against XXXX XXXX. None of these debts have EVER been on my credit report, and the XXXX XXXX was so old it's has long ago since been removed from reports. All of this fraudulent student loan stuff with the debt collectors &  whatnot started in XX/XX/XXXX, right after Trump took office. I have documentation of every phone call ie : dates, times, names, etc since it started. I also have added up the amount of money taken from me from my tax refunds over the years and it adds up to a bit over {$10000.00}. I want my money back that has basically been stolen/embezzled from my tax returns for the past decade. I am more than willing to provide any info or documentation needed. 11 years for a charged off to begin with {$2500.00} debt from XX/XX/XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
ON XX/XX/2018, I RECEIVED NOTICE FROM XXXX CREDIT BUREAU. THAT MY CREDIT SCORE HAD DROPED, AND THAT SEQUIUM ASSET SOLUTION A COLLECTION AGENTCY HAD REPORTED THAT I OWE XXXX XXXX A BALANCE OF {$750.00}. I HAD IT DISPUTED WITH XXXX CREDIT BUREAU TO NO AVIL AND THATS WHY I AM APPEALINGTO YOUR BUREAU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: TX

Complaint narrative:
My name is XXXX XXXX, I reacently found out about a loan that is not mines an i aslo saw that i disputed it on my credit report a whe ago, did not realize that until i got a copy of it, and it was under a diff name. I spoke with XXXX  on/around XX/XX/XXXX. I advised them about a loan that was under my name that I did not take out because I never attended school in XXXX, nor did I know about this school. The amount was for {$1300.00}, through XXXX XXXX initially, then they said it was under XXXX XXXX which is now handled by XXXX formerly XXXX XXXX. 
I was advised to write a dispute letter and submit military documents as well showing that I was in the military and also signed up in XXXX. I did that, then after sending on those documents, they claimed they did not get them, so I sent them again, later after that I still hasn't heard anything and was sent a fruad packet to have done. Included in there they wanted a police report. I told them you can not do a police report for something that happened in another state -- in another state. I currently reside in Texas and this incident happened In XXXX XXXX in XX/XX/XXXX. So when I went to the police station yesterday, XX/XX/XXXX he stated the same thing, that he can not do a police report for something that happens in another state and jurisdiction but would take note that I went in to give him this information and gave me a file number as well. He also stated that the companies are supposed to use the number to request the report or what was taken down. So I advised XXXX  escalations team of this, and she continued to go back and forth with me and told me if its that easy then I can do it and I told her I would not then asked to be transferred to a supervisor. She made it seem like she only had one supervisor and said she would transfer me to their voicemail and basically put me on hold after asking to speak with someone over her. I need this situation to get handled because it is affecting me maybe receiving grants for the upcoming school semester. 
Police file # XXXX Jurisdiction, XXXX, TX Account # XXXX Amount : {$1300.00} Stafford Loan XXXX Escalations Dept.

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 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Mortgage {$80000.00} Foreclosure XX/XX/XXXX Lawsuit filed-XX/XX/XXXX. By several homeowners against the City, engineers, contractors, Implementation team.

Due to a City owned Dam Breach.  The largest environmental lawsuit in Michigan.

Caused flooding, mold and contamination to several homes and properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My Experian credit file has been repeatedly unlocked since the first of XXXX. I have repeatedly contacted idnotify-experian and my former credit monitoring service through Experian. All to no avail. Yet again this morning the credit file was unlocked. 

XXXX XXXX XXXX ssn last four XXXX phone 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 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
The hospital did not file the claim within the timely filing period. I contacted the billing department and they cleared the debt because it was being reported wrong and is not my responsibility. This debt is not mine and should not be in my credit report. I disputed the debt through the credit bureau and the company did not do the research. So they are continuing to report an invalid debt. Had they done the reasearch they would know that the debt is paid in full and never was my responsibility. This account has been sold over and over again and is now with Ability. They need to follow suit and delete this account.

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 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: MD

Complaint narrative:
Company is reporting an inaccurate debt owed to them on behalf of XXXX XXXX   College. XXXX XXXX College has indicated no balanced is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
XXXX ( formerly XXXX XXXX XXXXl ) submitted an escrow analysis for XX/XX/XXXX that duplicated insurance amounts for the house. I spoke with their insurance department on XX/XX/XXXX who admitted their error. Since then they appear to be unable, unwilling to do a corrected escrow amount. Here is a record in a copy of correspondence to them. I also spoke with them yesterday ( XX/XX/XXXX ) but got no response or resolution : Happy XXXX XXXX, I am writing out of frustration due to an unresolved issue. When my account was transferred from Guaranteed Rate to you this past year, your company double booked the escrow required for insurance. This resulted in a over statement of the XX/XX/XXXX shortage AND payments for XX/XX/XXXX, resulting in a 13 % increase in my monthly payment. I have been trying to get this resolved for nearly two months. In the interim, I have paid the new payment amount in good faith. 
Here is a record of the attempts I have made with XXXX XXXX since receiving my escrow analysis in early XXXX : XX/XX/XXXX - confirmed the appropriate insurance amounts and payment with my carrier, XXXX. 
XX/XX/XXXX - called your insurance division and spoke with XXXX, who confirm that there was an entry error on the part of XXXX XXXX which she would correct and forward for a new escrow analysis. 
XX/XX/XXXX - follow up call to CS rep Ms. XXXX at XXXX XXXX. I was told " these things take time '' and I should check back in a week or two. 
XX/XX/XXXX - follow up call to C rep XXXX who advised nothing had been done although she saw a note about it in the file. 
It is XX/XX/XXXX and the lack of response or action on this is beyond my understanding. Is there someone there who can help? 
XXXX XXXX XXXX XXXX My call to them on XX/XX/XXXX was also unsuccessful.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
In early XX/XX/2018 Aargon agency notified me of a debt with a doctor 's bill that I thought I had already paid. I told the woman on the phone as much. She told me if I had proof that I had paid it I could send it to the email address she had provided. I did exactly that on XX/XX/2018. I have the email saved. I heard nothing more about it and thought the matter was closed. 

In XX/XX/2018 my husband was contacted by Aargon agency and strangely told by the agent that " your wife owes us XXXX XXXX, she might want to pay it. '' So I sent an email to the company through their website asking for some confirmation of my debt. I had received absolutely nothing in the mail from them saying I owed them anything since before the original matter was supposed to be resolved on XX/XX/2018. 

Within a week of that email, my credit report was hit with a delinquency report of {$79.00}. Quite a mysterious number for me. It was not the original doctor bill I had proven that I paid and it was not the " XXXX XXXX '' mentioned to my husband bizarrely and unprofessionally. 

Now they call me and hang up on me when I answer. Today they called me, put me on hold and told me they couldn't give me any information and I should call back when it's convenient for me. They aren't authorized to talk 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 2019-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/18 I filed a preliminary complaint with CFPB because Navient failed to send me notices about the status of my loan and I did not find out there was an issue until they posted late status information on my credit. 

I provided documentation proving that I was in school the year prior under which circumstance my loan should have received an in-school deferment for a period a few months since it was a summer term and subsequent to that I still had the option to go into forbearance. Navient applied the forbearance and brought the loan current, so instead of my account being in repayment status the first quarter of the year I did not have a payment due until XX/XX/2018. 

Several representatives have argued that they brought my account current, but they will not remove any late payment entries. I tried to explain to them that backdating a deferment or forbearance is fundamentally contradictory if they are not going to remove the late payment entries, because by approving the deferment or forbearance you are essentially moving the due date and saying that you don't have to pay your loan back now. By Navient refusing to remove the late payment entries on a borrower 's credit they are penalizing them for missing the old due date, compounding the interest, and setting a new due date that says you didn't have to pay it. 

What's more is that my loan was transferred from Sallie Mae to Navient and what upholds the validity of the debt through the transfer are the terms of the master promissory note. It was Sallie Mae 's practice to remove any late payment entries on a borrower 's credit if they approved a deferment or forbearance. This wasn't a matter of altruism, but rather a fiduciary responsibility to comply with the law. Section 623 ( a ) ( 2 ) Duty to Correct and Update Information.

Denial of a deferment or forbearance would be justification or not updating a borrower 's credit report ; however, approving a deferment or forbearance says that Navient has elected not to enforce payment of debt. Reporting a late payment to the credit bureaus is an debt enforcement action which is in direct conflict with approving a deferment or forbearance. 

This does not just impact me, but hundreds of thousands of borrowers and I believe this is yet another egregious misinterpretation of the law and their responsibilities to its borrowers. This is an argument I believe is worth being heard before a judge, but it would exemplary if Navient would just re-examine this practice and make a change on their own without having to be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
I had contacted XXXX and told them the debt is not mine and that I never had service with there company and have yet received any documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have an issue with my Barclay credit card where, there were some unauthorized charges to the credit card which have been place under review/dispute. Unfortunately these charges created late fees and interest charges that are not been accredited to the credit Card while the dispute is going on. I am afraid that such action by the bank will cause my credit payment history to be impacted and that I will inquire in more late and interest charges as time goes on. 
I have communicated my concern with the Bank and they have advice me to pay all interest and late fee charges as they would not be able to control whats been reported to the credit bureau and waive any additional fees. The bank also ensures that when the investigation is over that they will credit my account with all the fees but would not be able to update the credit report ( meaning the late payments will show in my credit report as valid. ). 
I believe that if there are unauthorized charges to the account and the bank starts an investigation they should not charge late fees or interest charges on the charges in dispute.

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 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX, BoA told me that they would refund three months worth of the monthly maintenance fees I was charged.

They send me a check for the incorrect amount when I requested my account be closed.

They told me on XX/XX/XXXX that because my account was closed, they were unable to correct their check issuance error and as a result they were keeping my money. 

They informed me that they did see that I was told the fees would be refunded, but that they had no way to give me the funds. 

It's absurd and should be illegal.

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 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: NV

Complaint narrative:
On or about XX/XX/18 I was looking over my credit report and I noticed a collection from Collection Bureau of America ( CBA ), whom I have never had an account with. I sent CBA a debt validation letter on XX/XX/2018 and was signed for on XX/XX/18. CBA responded with copy of invoices, an itemized printout, and a demand for payment, but nothing to verity the debt since the FTC has stated that itemized printouts are not verification of a debt. I checked my credit report on or about XX/XX/18 and the debt was still reporting to the credit bureau, but it was not marked disputed within the 30 days that are required by law according to FDCPA 807 ( 8 ). I then sent another certified letter to CBA that was received on XX/XX/18, informing them of the violation and asking them to remove the inaccurate information from my credit file. CBA responded with another demand for payment and that they would not send verification of the debt, but I never requested verification but validation for a debt that is not mines. As, of XX/XX/18 the debt has not been removed nor has it been marked disputed. I am requesting to have this inaccuracy removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Our mortgage was sold by XXXX  XXXX XXXX to Carrington Mortgage Services this past fall. The mortgage payment has been {$630.00} monthly. 
On XX/XX/XXXX Carrington informed us that they would be raising our monthly mortgage payment to {$700.00}, an increase of {$70.00} per month. None of our taxes or insurance have increased, but they are now requiring us to have an excess of {$720.00} in our escrow account. 
Our taxes & insurance payments are XXXX. 
XXXX = XXXX and XXXX = {$49.00}. 
According to your representative that I spoke with, the above are the limits to which the mortgage company can require for additional escrow. Because I am retired and my husband on XXXX, the {$70.00} extra would be a hardship for us. 
I have spoken to several of the Carrington customer service reps, but they all say that the figures are correct and that is what we must pay, anything less would not be accepted toward our mortgage payment. They also told me {$720.00} must remain in our escrow account, and we would only get back anything above this amount at the end of the year. 
At present, we owe payments for XXXX and XXXX, and we are hoping to resolve this issue. I will be making one payment on XX/XX/XXXX when I receive my social security check.

Company response to consumer: Closed with explanation