vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX  that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing,  and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2. Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
XXXX XXXX is not working with me to set me up on a payment plan that I can afford, and is now taking me to collections for an amount well above what I actually owe. XXXX XXXX  has straight up told me on several phone calls over the last 3 years that they do not offer payment plans and I just need to pay them what they say. Over the last year I have not received one phone call, email, or letter asking for a payment or to help with a payment plan until I got a letter saying in in collections for {$20000.00} when my loan amount was {$13000.00}. It is unfair and unreasonable for them to set a blind number and expect someone to pay it and refuse any other type of plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
I have sent 2 certified letters to HUNTER WARFIELD they have refused to acknowledge these letter for them to Only to ( VALIDATED ) this so called debt I Dont need a verification done I demand this debt to be VALIDATED by XX/XX/2018 received this Certified letter on XX/XX/2018 Tracking number # XXXX this company is demand they VALIDATED this debt they claim I owe. They have refused to VALIDATED this so called debt I will be filling a lawsuit against this company if debt not VALIDATED within the time allowed. Send results by email only @ XXXX UCC 1-308 WITHOUT PREJUDICE

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I submitted a request in writing to Freedom mortgage on XX/XX/2017 to have the PMI taken off of the account. That day I spoke with a representative who said everything on my account met the requirements to have PMI removed. We have paid the mortgage balance to 78 % of the homes value, we have never had a late payment, and we have had the mortgage for almost 3 years. I called back a week later and was told to submit the request again, which I did through a written email. The company acknowledged on XX/XX/XXXX that they received my request and were working on it. I called in a few times and was told by 3 different representatives that my account met all of the requirements and they were not sure what the hold up was. I was also advised by all three representatives I would receive a call when the decision was made. I called again on XX/XX/XXXX and was advised that the PMI was declined because I had not had the mortgage long enough, we needed to have it for at least 5 years. I was also told that we needed to pay the mortgage to 75 % of the homes value. I cited the 78 % as stated in the Home Owners Protection Act and was advised that the 75 % requirement was Freedom Mortgage 's requirement. I called back later that day and asked for a supervisor who was really not able to explain why it was declined. I then asked for his supervisor and was told no one above him was in and that I would get a call back in 24 hours at most. That call never came. I called in again on XX/XX/XXXX and spoke with another supervisor. This supervisor told me he did not see a request was ever put in for PMI removal and I needed to start the process again. I asked for his supervisor and again was told there was no one above him there at the time. I was again promised a call back within 24 hours. It had been 5 working days since my first request for a supervisor call back and I still have not heard back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I deposited {$150.00} into my citi Checking account that was opened XX/XX/XXXX per citi banking app on XX/XX/XXXX via XXXX at the same time a payment of {$35.00} was suppose to go to XXXX but it never got there. I called Citi Bank on Sunday XX/XX/XXXX inquiring on what happened to my money once I saw a NSF fee of {$34.00} hit my account spoke with two different reps when the first one couldn't understand what I was talking about and adsured me there is no missing money I requested a supervisior who informed me that money was infact missing and Citi bank was not paying XXXX. I was told on XX/XX/XXXX by a manager that the missing money would be refunded to me on Monday morning which is a lie for when the money did not hit my account on Monday XX/XX/XXXX morning I called back to Citi Bank who advisded me that the money maybe returned sometime on Monday XX/XX/XXXX but it may also go away since XXXX tried again for pull the funds on XX/XX/XXXX and since the {$35.00} was still missing it too is begining sent back to discover for NSF. Even though manager from XX/XX/XXXX call said I would not get another NSF charge. Now I'm fighting citi bank over {$35.00} they already shorted my account an additional {$1.00} they are theives and should not be trusted. Bottom line of the date and time of this submission I have yet to receive my missing money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Fair Collection and Outsourcing does not have a signed contract to that states I agree to pay them. The Fair Debt Collection Practices Act and the Fair Credit Reporting Act clearly state this. In my past dealings with FCO, they were very non communicative, rude and dismissive when a consumer disputes an account with them. FCO will tell you can only dispute an account twice. Which is violation of the FCRA and the FDCPA. Reporting an noncollectable account with the Credit Bureaus as a current balance a violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
2 Certified lettershave been sent to TRANSUNION # XXXX and XXXX # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XXXX XXXX, 2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
after making XXXX XXXX dollar payments since XX/XX/2005. only XXXX XXXX has gone to the principal after 13 years. That is definitely wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX   appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2.  Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove 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 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
have attached 2 complaints against XXXX XXXX. I has disputed XXXX XXXX of Georgia that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1.  For reporting an item that had already been removed 2. Not responding in a timely manor. 3.  Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. Please remove 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 non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
I was not aware of this debt after the bill came they stated they would make payment arrangements, I have not heard from them since then I've gotten this notice with my address has changed since XX/XX/XXXX this bill is dated XX/XX/XXXX. I am young wants to buy a home this will damage my good name tremendously.. Violated the HIPPA ACT or Law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I initiated a transfer of {$270.00} worth of Bitcoin on XX/XX/XXXX that was supposed to post to my bank account on XX/XX/XXXX. The Bitcoin was immediately deducted from my account. After waiting a few additional days for the money to be deposited, I submitted a support ticket with Coinbase on XX/XX/XXXX to no response. I reached out to them on XXXX on XX/XX/XXXX and also received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/2017, I completed a Income-Driven Repayment request. I was notified on XX/XX/17 by Navient that they were unable to process due to the application not being signed. This is completely untrue as I did sign the application. On XX/XX/17, I again signed the application and faxed to back to Navient. I followed up with then in early XX/XX/XXXX to be told that the application was being processed and it would take 14-21 days to be approved. Today, i logged on to see the status and I have heard nothing and see that they have listed my account as past due. I called them and spoke with XXXX and he stated that I need to resubmit an application as I was notified in XX/XX/XXXX that the application was unsigned. I explained to him that I already signed the app and refaxed another signed application. He told me to hold. He came back on the line and stated that he does see my signed application and that he would send it back over for processing. In the meantime, he wants me to fill out a forbearance application so that my account can be brought current. He advised that the fees will be added to my loan balance. Why are these fees my responsibility, for NAvient 's error? He could not answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Galaxy Capital Acquisitions, LLC
State: IL

Complaint narrative:
I am writing this complaint because it has come to my attention from XXXX XXXX that improper reporting has occurred and that I should contact Galaxy International Purchasing , LLC. Also, according to XXXX XXXX they have no rights over the alleged debt, XXXX  ( Galaxy International Purchasing , LLC ) does. I sent out a Debt Validation letter on XX/XX/XXXX, I have not received anything back from XXXX. I sent the same letter to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only thing I have received is statements and print screen of application, which does not validate the debt. It is hard to communicate with this company as regarding XXXX and XXXX XXXX if they do not respond back as I only do written correspondence. Lastly, according to Illinois Department of Financial & Professional Regulation, Galaxy International Purchasing , LLC does NOT have a license to collect in Illinois. I got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the alleged debt was sold to XXXX, I moved to Illinois in XX/XX/XXXX and I made sure that XXXX XXXX was aware of it. I also made my payment for this debt in XX/XX/XXXX when I was living in Illinois to XXXX XXXX XXXX  which settled the account to paid in full settled. Stated in a previous CFPB complaint that XXXX does not report nor does XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My mortgage was one of the thousands of mortgages caught up In Countrywide Fraudlent Mortgage Practices '' The law firm working with Countrywide was Disbarred for his fraudlent practices. 
I have spent thousands if dollars defending my home and my Credit records. 
I have and also have paid several attornies who have also requested under RESPA- FDIC and other documentations Such as QWR from these companies who now claim they own this fraudulent mortgage. 
On XX/XX/2016 I mailed another request by certified mail # XXXX to all addresses listed for XXXX with only an acknowledgement letter from them stating that they have received my request but still no other response was received from them. 
Now they have listed a whopping {$760000.00} Balance on my Credit report with XXXX   and other reporting agencies. 
Which I have DISPUTED but it is still listed on my account XXXX have not sent me any proof from the company to justify them having it remaining on my Credit report. 
Please note also that this DISPUTED mortgage have been dismissed in the XXXX XXXX Court Once by the court and second by XXXX who withdrew their case after the court ordered us to go to mediation of which they stated ( at mediation ) that they showed up at the mediation only because they were ordered by the Judge XXXX, but have no intent of trying to work out anything. ( They did not act in good faith ) made me waist my money and time as I had to pay half of the mediationvfees along with attorney fees 0as well ) Then they filed the enclosed motion withdrawing their case. ( see enclosed ) Please have this company remove this false reporting from my Credit Report which is causing me GREAT HARM. 
Thank you 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