vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I received a debt collection letter in the mail on X/XX/17 from Central Credit Services/XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX in the amount of {$660.00}. The account number is : XXXX. This debt does not belong to me. I am not responsible for payment for this debt, someone else is. In the letter, it states that XXXX XXXX XXXX purchased the account as the collection agency. This letter gives 2 options for payment. Option # 1 was to split the balance in 3 installments. Option # 2 was to reduce the payment to {$400.00}. I an disputing this alleged debt that is reporting negatively on my credit file. Like I mentioned before, I an not responsible for payment of this debt, someone else is.

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 2017-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
In XXXX XXXX I filed for a Ability to benefit discharge request with XXXX for my 2 federal student loans. fast forward to XXXX XXXX XXXX XXXX i received the FIRST communication about the request and that my 2 loans are now in default. ECMC ( the guarantor ) of my two loans paid XXXX off without my knowledge and put them into default. My loans have NEVER been late or missed payments. ( always have had an income based repay plan of {$0.00} per month or deferments ) When i received the letter from ECMC all i received was a notice of default. Nothing about my ability to benefit discharge request. I immediately got in contact with their Ombudsman who i spoke with in XXXX XXXX, XXXX and she told me i was sent a " borrower statement of intent '' and a denial letter in XXXX XXXX ( which i never received ) this Borrower form is supposedly crucial to the process of the discharge requests and since mine was denied, i have to either ask for a dept of ed appeal or acknowledge my loans within 30 days of this letter. This information was not received nor was it sent out with any sort of certified mail ( Why would you send something so important without tracking? ) The ombudsman sent me my file, told me to fill out that borrower form and return it to her as soon as possible ( which i did -- sent back to her on XXXX XXXX XXXX ) I asked for the Dept of Ed appeal. The form also specifically states if your appeal is denied your loans will be returned to their original active repay status and refer back to the lender ( which ECMC has refused to do/did not do ) I have a full paper trail proving the status of my loans prior to ECMC 's error ( they were not in late pay status or anything ) Now i have TWO collection accounts listed on my credit, has dropped over 100pts and cost us a home purchase. Dealing with ECMC is near impossible, they want money or nothing. I should not have to pay for their error. I want my loans put back to their status and back with the servicer and not as a collection account. I have tried going through the federal level ombudsman, i have tried going through the credit bureaus since they are reporting incorrect information. I refuse to try to " rehab '' my loans becuz they were never at the point of being close to Defaulted.
I am including a copy of the Borrower form, highlighting the paragraph. copies of my statements from XXXX showing i was on an Income based repay plan until XXXXXXXX XXXX XXXX ( amount per month is {$0.00} ) also an approval for a deferment until XXXXXXXX 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 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tired using my credit card today at XXXX to get a few groceries. Today is XXXX XXXX, 2017. My card declined so I called my credit card company and they said that I had closed my account about an hour ago  at XXXX XXXX eastern time. I never closed my account, so they filed a identity theft claim that will take 7-10 business days for me to get a call. They 're going to investigate if they can open my account again. I 'm confused on how they closed my account without my permission. I never even got notified that my account was closed until I tried buying something at XXXX. I do n't want this ruining my credit either since I 'm young and have worked hard for it to be a good number. I know the person who has my social security number that did this and they 've been trying to get credit cards in my name too. I had to freeze my credit reports so they could n't order anymore credit cards. I want to get justice and help other people he 's scamming as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Ford motor credit is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: FL

Complaint narrative:
Global receovables never sent the letter of assignment outlined under fla stat XXXX notifying me of my right to dispute under section XXXX of the FDCPA. This agency made no attempt to send aforementioned letter to my correct mailing address [ deltona is n't my address ) as listed on my credit. Furthermore, I 've had insurance since XXXX/XXXX/XXXX and all medical bills inxurred this year have been pd through my insurance.

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 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.

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 2017-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: NY

Complaint narrative:
1. I wrote and mailed a dispute letter to experian on XX/XX/XXXX 2. The responsed with a letter on XX/XX/XXXX stating that the account in question was verified by creditor but provided no documenation or  evidence 3. I called them on two occassions XX/XX/XXXX and XX/XX/XXXX to delete this account from my credit report and both times were denied My next step is to start ligitation against 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 non-monetary relief
Consumer complaint received 2017-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
CFPB, My girlfriend and I had purchased a home back in XXXX XXXX from XXXX XXXX XXXX. We had selected to finance with XXXX XXXX XXXX XXXX and go with the escrow account option. Both of us are co-owners of the home and our names were both added to the loan account. For XXXX, our taxes were properly taken care of by XXXX XXXX XXXX XXXX without any outstanding or delinquent tax balances. Around XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX had sold our loan to Flagstar Bank. Throughout XXXX we continued to pay our monthly mortgage ( principal + interest + escrow ) in a timely manner, without missing a single payment. Flagstar Bank paid the taxes for both the XXXX XXXX XXXX XXXX {$1500.00} on XXXX/XXXX/XXXX ) and XXXX ( {$820.00} on XXXX ) taxes at the end of the year. There was a tax surplus in the escrow account and I was cut a check for {$3500.00} on XXXX. Starting around XXXX XXXX, my girlfriend started receiving letters from both the XXXX XXXX County tax collector and attorneys harassing her to pay delinquent taxes from XXXX. Concerned, I gave the FlagstaXXXX Bank tax department a call to confirm that all XXXX taxes were paid for. They re-assured me that all taxes were taken care of for both my girlfriend and me. With that said, we rest assured thinking that everything was okay. However, we continued to receive letters each month, reminding us that my girlfriend still owes a total of {$2200.00} XXXX {$630.00} + {$1600.00} ), XXXX and XXXX XXXX taxes respectively. Today ( XXXX ), I called Flagstar Bank again and they re-assured me that all taxes for XXXX were paid for. Immediately after the call, I started reviewing the letters thoroughly again. I jumped back in forth from the XXXX XXXX County tax website to my Flagstar Bank online loan account. I noticed that both my girlfriend and I have TWO separate tax accounts for XXXX XXXX County. I checked my online mortgage account on the Flagstar Bank website and I found that only my tax account number was present but not my girlfriends yet both our names are under the same mortgage loan. I am not sure what exactly happened but it would appeared that Flagstar Bank did n't include my girlfriend 's tax account on the same mortgage loan account, resulting in only the tax amount of {$2400.00} paid for XXXX and the {$2200.00} amount still unpaid under her tax account. Please help us resolve this issue, as we did our part in paying the monthly mortgage every month on time. The responsibility was in Flagstar Bank 's court to correctly disburse tax payments to cover both my girlfriend and me. Now we are suffering the repercussions of her taxes being delinquent because our mortgage account was n't correctly configured to include both our tax accounts. Thank you.

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 2017-08-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Details of the problems I had with the merchant and Barclays are documented in the attached letter but in summary I do not have the painting and continued to contact Barclays and attempted to contact the merchant but he kept hanging up on me or not returning my call when I left a message or texted. XXXX XXXX, XXXX I purchased a painting presented on TV by XXXX XXXX using my Barclay Credit Card, however I received a fraud alert through my XXXX account, not my Barclay Card. I then researched and could not find this company online so I called the merchant back and cancelled the purchase. I could also see the merchant continue to try to charge my card so I called Barclays XXXXraud hotline and reported the situation and told customer service not to approve this merchants charge on my card because I suspected fraud. Barclays customer service rep assured me that they would not let the merchant charge my card. On XXXX XXXX I checked my XXXX account and noticed that {$1900.00} had been charged to my account again. I immediately called Barclays to complain. Barclays reversed the charge and reached out to the merchant. Early XXXX I noticed the charge again hit my account and at that time Barclays informed my that my complaint was not considered fraud as I had provided the merchant my card #. Since XXXX I have continued to complain with no progress and in XXXX XXXX received a letter from Barclays informing me they will do nothing to help me or reverse the charge. Barclays led me to believe they would protect me, however I learned in XXXX that their system does not have the ability to block a charge once the # is provided.I told Barclays from the beginning Barclays should have advised me to cancel my card and have Barclays reissue a new card and doing so would have protected me. At no time did I receive any advise. I do not have the painting and Barclays has charged my card {$1900.00}. The merchant will not communicate with me an Barclays has shut the case..

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 2017-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
All the below are on my credit report. How is this fair that they 1 ) have not contacted me 2 ) going by 3 different names and hitting and negatively impacting my credit report each month? 3 ) how is this legal for them to do? XXXX/XXXX/XXXX {$440.00} by credit control services XXXX XXXX/XXXX/XXXX {$440.00} by Credit collection services XXXX XXXX/XXXX/XXXX {$440.00} by ccs collections XXXX XXXX/XXXX/XXXX {$440.00} by Credit control services XXXX How do I keep these unfair and illegal activities happening to my credit report by these companies any further and I want these derogatory and illegal collections removed asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I cosigned a student loan in the amount of XXXX in XXXX for my adult son XXXX XXXX .He was attending the University XXXX XXXX as a graduate student at that time. My son requested me to sign for one loan. He signed for 2 additional loans of XXXX and XXXX. These loans were fraudulently signed in my name. My son XXXX XXXX obtained these loans by placing my name on them without my consent. I have contacted Navient and they refuse to release me as a cosigner from these loans. I am permanently XXXX noted by Social Security since XXXX of XXXX. I filed bankruptcy in XXXX until XXXX. We completed a Chapter XXXX Bankruptcy plan including my spouse. Navient contacted me in XXXX of XXXX and I stated to them I have been XXXX and not able to work since XXXX of XXXX. Navient sent me papers to request for my loan to be discharged. I fill out the papers and requested several doctors to fill out the details of my XXXX so that Navient could release me from the obligations of the student loan that I cosigned with my son. Now I am being harassed everyday by Navient via, email or phone. Navient contacted a neighbor to try and harass me on XXXX/XXXX/XXXX. Navient refuse to accept my letters stating I am unable to work due to my multiple XXXX. I agree that Navient needs to be paid by my son. He borrowed their money and used it for his educational purposes. I never physically signed a contract with Navient. I never cashed a check that was sent for any loans from Navient. I have sent my son a letter from Navients website to sign to release me as a cosigner. This company refuses to honor federal standards for students loans. I have wrote my local federal representative regarding Navient practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BATON ROUGE FINANCIAL SERVICES, L.L.C.
State: LA

Complaint narrative:
First, I recieved a title loan from Baton Rouge Financial XXXX in XXXX XXXX, La. The first title loan was XXXX in which, BR financial held the title in case I did n't come and pay it off, they  would come and reposse it.So I paid it down from XXXX to XXXX. Then went an financed anothe title loan for XXXX and thats when BR finacial after paying until XXXX. Baton Rouge Financial ask me about refinacing I thougt the payments was gon na be cheaper but my total title loan went up to XXXX. I told them several times come get the vehicle.They said they they did not want it. The vehicle was in good shape. so I started making payments again but this time out of my account.As of XXXX XXXX was my last payment that was drowned out my account. The was not subtracting the difference nor reporting it to the three crediting bureau, on time every month. Now they want me to pay XXXX which is wrong all the way around. The lady XXXX XXXX came out to my house threatening me and sent emails. They still has the title. Nothing is accurate with the information. I wish that BR financial please delete and or remove this from/off all three credit bureau.It is misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
On XXXX XXXX I looked into Transunion 's website as it promised that I could look at my credit score once a year for free. As I made my account it asked for my credit card information and I felt a little weirded out, but I assumed they needed it to pull up my credit information and verify who I was, as that 's what the page acted like it was doing. On XXXX XXXX I was charged XXXX for Transunion 's membership service without ever being made aware that I was paying for a service. There was nothing on the page that said I would be paying anything, let alone XXXX. Today, on XXXX XXXX, I was going through my finances and looked at my credit card to realize I 'd been charged XXXX for their membership that I did not agree to. It was incredibly difficult to navigate their website and to cancel my membership, it was hidden in the FAQs, and it seems that they 've had this problem before seeing as how this year you made Transunion and XXXX pay refunds to thousands of customers who have had similar experience. There is no way to contact Transunion online and I do n't want to navigate their foreign-based customer service or send them snail-mail that is not guaranteed to get there or make it back. Thank you for your help.

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 2017-08-19 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: SC

Complaint narrative:
I have called Navient numerous times to see if they could help lower my monthly pavements and the say they ca n't even though my family has grown and has medical bills making it hard to pay my full monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Army and Air Force Exchange Service
State: AK

Complaint narrative:
Wrong address. No activity. Asked for a card. Interest building? Credit card default.

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 2017-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IA

Complaint narrative:
As a a XXXX XXXX working for the XXXX XXXX as a XXXX XXXX, I applied for the student loan forgiveness. Loans were transferred from XXXX XXXX and XXXX to Fed loan servicing, payment decreased from {$420.00} approximately to {$300.00} per month. I was informed I was put in the wrong payment plan and only XXXX payments count towards the XXXX required payments, got an email in XXXX of XXXX that I had to switch payment plans for the payment to count. So used the calculation tool provided, decided standard repayment plan was best option, now payment is only for 27 months and payment will be over triple {$900.00} plus per month. I asked today XXXX, that The request be cancelled as it bust the family budget. I got the response that I was on a grandfathered plan and does n't exist, so stuck with the new payment even though it has not been activated yet. What a complete cluster!

Company response to consumer: Closed with explanation