vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Adjustment Bureau, Inc.
State: IA

Complaint narrative:
Sent first dispute letter to Financial Adjustment Bureau ( XXXX, IA collection company ) in XXXX regarding XXXX bills on my credit report. Received multiple pages of printouts from their own computer system, along with some type of copy of medical bills, XXXX of which violated HIPPA law, not XXXX contained my signature. Have time/date prints of my credit reports showing failure to report dispute to credit bureaus within 31 days. Sent followup letter, XXXX, again disputing and asking for validation according to federal law, received a single printed page ( dated XXXX ) from them stating amounts, now with interest/service charges, and a brief statement ... '' '' Thank you for your letter. We sent information to XXXX today to report the above accounts as disputed. We did provide you with validation of debt for these accounts and will not be removing them from your credit report. You received the services and are responsible for payment. '' '' Very appalling from these " professionals '' in the business since XXXX, especially when, in my dispute letter, I pointed out what validation means. Not to mention the consumer address on the HIPPA violation was never mine, there are multiple people with same name and close to same age as myself on the county 's on-line court records, I can not get credit bureaus to remove this address from my report with this collector reporting the address to the credit report under my SSN. Multiple federal laws broken, yet they still want to act as if they are in the right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
XXXX XXXX and now Navient Corp. have violated the terms of the consolidated loan and have charged late fees and put the loan in forbearance without consulting me first. They. loose paper work and even one of my checks with no explanation or apology. They have accused me of missing payments and I have sent them my bank statement which shows a double payment. They assign an advocate and they last about a year and then do n't tell me of a change in personal. The loan was for my Son.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I attended XXXX school at the University XXXX XX/XX/XXXX-XX/XX/XXXX. I was not able to work because of XXXX. We filed bankruptcy in XX/XX/XXXX. We entered into a stipulated judgement on XX/XX/XXXX. The XXXX student load debt at that time was XXXX. The XXXX student loan was {$46000.00} at that time. In the agreement, I was to pay XXXX {$55000.00} without interest. I was to pay XXXX {$21000.00} without interest. The loans were sold and I continued paying on them. The XXXX loan was paid in full in XX/XX/XXXX. I just received the paperwork documenting that the XXXX loan was paid in full XX/XX/XXXX. During the last two years Navient revived the original loans INCLUDING INTEREST in the amount of {$310000.00} with 8 % interest two years ago. They show a consolidation in XX/XX/XXXX that does not exist. Even if Navient acquired these loans as a holder in due course, they could not acquire rights beyond the settlement amount of the settlement. In addition, I paid the loans as billed by the companies they were sold to. I am XXXX years old and working at a XXXX ; I make {$XXXX} per year ; my husband makes {$XXXX}. I have no assets. There is no way I can pay for these loans again, nor should I have to. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Collection agency sent me a letter saying I owe {$150.00} to XXXX. I paid full balance of {$62.00}. I have their receipt stating a {$0.00} balance after the payment of {$62.00}. I sent an email to this collection agency attaching the receipt and I never received any a response. To anyone reading this I do n't recommend XXXX. They were nice before, but as soon I accepted their services they forgot about 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 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I used my BB & T issued debit card to get XXXX XXXX from an ATM at XXXX airport in XXXX, XXXX on XX/XX/2017. The ATM machine did not work. After I entered my information and selected the amount of money I wanted to retrieve the ATM screen turned white and after a couple minutes it said that the transaction did not go through and that the machine was out of order. 
When I came back to the US I was surprised that BB & T charged my account {$210.00} for money that I had not received. I complained to my account manager on XX/XX/2017. She initially told me that I needed to contact the XXXX bank who operated the ATM machine and that she was not there to know what exactly happened. After pressing back and pointing out that her customer service approach did not make sense, she placed me on hold to looked further into a resolution. She eventually told me to stop by a BB & T branch to file a complaint. I complied and filed a complaint and the charge was provisionally reversed on the same day. To my surprise and without further communication from BB & T the charge was reversed and my checking account was charges {$200.00} dollars on XX/XX/2017.

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 2017-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I am disputing a collection account owned by World Acceptance Corporation ( listed as Midwestern Financial ) being reported on my credit report. I have made several attempts to obtain VALIDATION of this debt, but I believe World Acceptance Corp is being deliberately obstructive because they do not have this validation. They claim I did not provide them with enough info, which is not true as my attached evidence shows. 

XXXX : My XXXX letter was signed for XXXX : WAC claimed my letter was not sufficient for dispute under FCRA ; they also sent settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter XXXX : WAC claimed they already addressed my issue and would not respond to future correspondence ; I then received a XXXX settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter with plenty of detail again explaining my request. As of today, XXXX WAC has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a FHA loan and Chase has been my servicer since XX/XX/XXXX. When I was a traveling contractor, I used to call in my mortgage payment over the phone. I was charged a phone pay fee and I believe that fee was between $ XXXX. I paid over the phone on and off until XX/XX/XXXX I believe as I was told it was free at that point since I had opened an account with them. I was on an OCC mandated foreclosure project between XX/XX/XXXX to XX/XX/XXXX. On this project, I learned that a servicer can not charge a phone pay fee on FHA loans. With that being said, I would like to have all of the phone pay fees that I was charged since the loan 's inception refunded back to me. Since I work in the mortgage industry and mostly as a contractor, I ran into some financial issues in XX/XX/XXXX as a result of the housing crash, which included taking pay cuts and paying my own expenses as a contractor. When I was laid off XX/XX/XXXX, I applied for the Home Affordable Unemployment Program ( HAUP ) and was approved to pay {$0.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made my XXXX payment but also applied for the Home Affordable Modification Program ( HAMP ) the same month due to the forbearance. I was unable to make my XXXX payment because I was in between jobs but I made my XXXX payment. I was approved for a modification under the HAMP program in XXXX and started my trial payments in XX/XX/XXXX. I made all of my trial payments on time and my modification was finalized in XX/XX/XXXX with a first payment date of XX/XX/XXXX. I have been performing with on time payments ever since. However, the mortgage lates for that time period are still reporting on my credit report and I have yet to receive any principal reductions from the servicer for on time payments. I used to underwrite HAMP modifications at Chase. The HAMP guidelines required the servicer to correct mortgage lates after the HAMP modification was finalized and also gave a {$1000.00} principal reduction to the borrower every year for 5 years if payments were made on time. The mortgage lates are still on my credit report which has caused me to receive higher interest rates on auto loans, credit cards, etc. I have yet to receive any principal reductions to my principal balance to date and I have made on time payments on my HAMP modification since XX/XX/XXXX. I have called Chase twice about this and have not received an answer to date. I would like to have Chase 's regulator look into this matter and have these items resolved and/or provide further clarification. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
My mortgage was sold to select portfolio services Inc... I was told that " nothing '' would change from my old mortgage to my new one... My old one ( XXXX ), allowed me to make online payments at no cost ( I paid extra )... SPS charges me XXXX dollars per online payment... I have the option of setting up automatic payments - but it takes away my options of paying more...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I become aware of this " debt '' when I credit application was denied and I subsequently checked my credit report in XXXX. I contacted debt collector, PETER ROBERTS & ASSOC located at XXXX XXXX, MA XXXX to inquire. He informed me that this was for collection of medical debt by XXXX. As I have not received any XXXX care from this company since at least XXXX, I called the company which informed me that the debt was for what appeared to be a medically unnecessary treatment provided to XXXX, which was denied payment by insurance company because the procedure was medically un-necessary. XXXX XXXX is a XXXX year old adult. XXXX told me that they pursuing me because they have me down as her guarantor. I have never, either orally or in writing guaranteed XXXX ' medical medical bills, much less the medically un-necessary treatment. 
I told Atrius health and PETER ROBERTS & ASSOC that I will pay the bill to save myself the trouble of litigation and avoid having negative information on my credit report. 
Despite the fact that I paid this bill that does not belong to me PETER ROBERTS & ASSOC still reports this debt collection as if it was legitimate to credit reporting agencies ( as a debt that I owed and paid true collection ). I did not owe any money to XXXX and they used collection and negative impact on my credit score blackmail me into paying the money but still kept this false information on my credit report.

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 2017-04-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On the date of XX/XX/2017 I sent out a payment in the form of a money order in means to make payment to a past due car loan balance. Only to discover that my money order was disregarded they stated it did not have my account number on it so it was not able to be processed. USAA then proceed to repose my car, deny having received the money order in the first place this spat lasted all of four days from customer service all the way up to management in that department. They took my car XX/XX/2017 and then sent me my money order back that following Monday XX/XX/2017 along with a letter dated XX/XX/2017 which stated the reason it could not be processed ( money order ) but when I looked at the money order I notice that someone from the bank forged my account number onto the money order. If they can write the account number on the money order then they can also process it into my account as it was intended to do in the first place right? I smell a rat!!! this feels personal not business. So now I can not enroll in school and my transportation is limited due to some ones personal attack on my life at USAA. I file this complaint to find out what legal actions can be pursued I do not believe it is legal to forge my information on to a money order that you did n't process because the lack of having that information on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: EZCORP, INC.
State: TX

Complaint narrative:
EZ loan is the place that is harassing and threatening me calling my job and calling my cell after I have advised them NOT TO USE MY CELL AND HARRASS ME, I HAVE CALLS RECORDED WHERE IT IS A JOKE AND THE FOUL LANGUAGE THAT THEY USE.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Recently my husband, XXXX, had to have XXXX. During this time, he had to be on XXXX for six months which was half his salary. We asked Ocwen if we could make partial payments until he recovered and or we asked for a mortgage modification. Ocwen would not work with us and instead doubled our payments. They did not accept any of the money we sent, instead they made it more difficult putting XXXX on an already horrible situation. Then they threatened foreclosure. We have XXXX dollars in equity and Ocwen refused to do anything for us in our most difficult situation. They charged us outrageous late fees and made the payment double making it impossible to catch up. Please help us get some of the fees and retribution for what they are putting us through in such a terrible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have disputed items with this credit bureau more than once about a tax lien, two bankruptcies, and unauthorized inquiries. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau try to say they sent me a notice, which they did not. First of all I went to the Federal court clerk and I asked them do they verify accounts to the credit bureaus about court cases, and they stated they do not verify with credit bureaus. First of all nobody has permission written or verbal to disclose about my personal affairs. They said the disputed items came back verified by the court, which the court said they do not verify, and in my case since I owe XXXX balance, XXXX liability that the case was vacated and dismissed. So I want to know where they are getting this third party information from. If it is not from me or the federal court, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything. I am tired of the credit bureau taking their time and not responding back to disputes in a timely and efficient manner. You can provide them all the information in the world and they still will not delete items on your report. The inquiries from someone trying to apply for a car loan with multiple lenders ARE not mine and I provided a police report statement for those. How can something you did not do stay on your credit? It is outrageous how people are treated because the credit bureau wants to keep you down so you can pay people to help you fix items that should not be reported in the first place. I already have medical conditions that I have to deal with and I am barely surviving and to constantly fight with the credit bureau is very exhausting and puts more stress on me. I am currently getting advice from a lawyer on this matter and will take it to court if something does not happen with this situation that is constantly being drawn out with no rightful verification and proof. I can not even dispute items because I already have disputes that were never solved over a month ago. I wish they please stop taking advantage of people and if not correctly verified delete items that they know are supposed to be deleted. Stop going through third party sources to verify information that is not accurate or given permission to supply because that is breaking the law. I have proof they are not authorized by me to use any third party sources to verify any thing and I will use this in court if necessary.

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 2017-04-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Hi, It seems that Chase has been denying my credit card application under a generic reason. The reason they say is that too many credit inquiries. I have a good to excellent credit and feels like they are denying my application on other factors which I do n't know of. 

Please let me know if I can provide any additional information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have submitted a dispute with TransUnion for reporting a Public Record Bankruptcy on my credit report and have nothing has been done to rectify the disputed information, nor provide verification of proof. On XX/XX/XXXX, I spoke with a representative XXXX that stated that my previous letters were noted however, no action was taken except to send me an updated copy of my report showing the exact same thing that was on there before. 
I sent certified dispute letters to TransUnion dated XX/XX/XXXX and XX/XX/XXXX and nothing was done. On XXXX, I had to start an entirely new dispute all over again. And per XXXX as of XX/XX/XXXX they had, had no verification that the public information being disputed by me was indeed correct. I had till XXXX, to receive a response from their investigation and pending the result will delete the derogatory information from my report. However, When I called to inquire how long before they removed the derogatory information, public record and the 2 derogatory information being reported they claimed that it will not be deleted and I can submit another dispute again. I 've submitted disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time I 'm told to submit new dispute all over again and wait 30 days. I think I have waited more than enough 30 days, and would like this issue rectified immediately.

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested that all closed accounts be removed from my report. I noticed last year maybe around XXXX or XXXX all of the closed accounts were removed but added back a few weeks later. I had received no knowledge of this.

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 2017-04-15 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Pioneer Credit Company, Inc
State: FL

Complaint narrative:
I got a secured loan with Pioneer Credit in XXXX Ga. They repossessed vehicle and sold the vehicle. They have changed dates and amounts. They never contacted me for balance due after they repossessed my XXXX which I originally had a clear title. They have change and said it was a unsecure loan on my file I disputed I have took a picture in my phone. They continue to change the original date of filing with credit bureau. It was a 21 month loan. They reported I paid over 21 months on snap shot I have. They took the repossession off my credit file and reporting now that I just got the loan on my report. I have pictures and copies of last month report. The reporting company is from a different state now ( XXXX XXXX XXXX XXXX XXXX TN XXXX : XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation