vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice from the debt collections agency Rash Curtis Associates, that I owed {$1200.00} on a medical bill from XX/XX/XXXX. I wrote back to them immediately ( so well within the 30 days cutoff ) that I requested validation. They sent me back on XX/XX/XXXX another collections letter that showed no more information than the initial letter. I wrote them a letter requesting more information and that their response to my validation request was not sufficient because I was trying to get enough information to correspond with my insurance and verify this or any amount was in fact due. They did not respond to this letter, but put in a negative report on my credit and sent me another collections letter with no additional information in the second week of XXXX, sorry I don't have the exact date that most recent letter is not with me at this moment. 
I sent all my letter registered mail and they signed for receipt of them and I have copies of all communications they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AES/PHEAA
State: OR

Complaint narrative:
XXXX XXXX XXXX discussed my debt with my father and mother-in-law without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been contacting LVNV about a {$690.00} collection that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. they have closed the account on one bureau, deleted from another bureau, and showing on equifax. This is illegal ; and needs to be DELETED from my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have requested on numerous occasions to reinvestigate and verify the alleged account with XXXX XXXX XXXX XXXX my last attempt was on XX/XX/19. 

I requested to provide me the following : the name, address and telephone number of each person contacted regarding this alleged account. I also requested any formal documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Lastly, I requested their method of verification as any automated response or e-Oscar verification is unacceptable. XXXX   and Equifax failed to provide the requested information and refused to reinvestigate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened this account online ... everything was fine until I mobile deposited a check, they froze my account the next day and they wont let me close my account unless I go into a branch in person which is very difficult for me as Im XXXX and live on ssi and I have no mode of transportation, not to mention every month td bank would send me a statement and just take {$1.00} every month from the checking account to pay for paper statement fee ive tried everything in my power to work things out with this bank but they would not close my account neither send me back my money I Believe this is unconstitutional!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had a 30-year mortgage with Pentagon Federal. A year ago this past spring, I decided to look at refinancing it, because of the falling interest rates. Of course I went to PenFed. 
After all was said and done, I was told that the monthly payment on a 20-year mortgage would be {$680.00}. This was quite a reduction in my monthly payment, and I took it. I did have one problem after getting the mortgage, I got a notice from my insurance company that my payment was due and hadnt been made yet. I notified PenFed, and it got made ; no one said anything about you know, youre supposed to be paying the insurance yourself, or anything like that. 
Everything was fine until this spring. I got a notice that my payment was being reduced to {$660.00} a month, and a refund check which I think was supposed to be a refund of excess escrow. I thought this was odd, and held the check a little while before cashing it. I should have held it longer, because I soon got another notice, this one that my payment was being raised to {$740.00} a month. 
I called PenFed, and and asked what was happening. I was told that my payment was raised because of my insurance. I contacted my insurance company and was told that no, the cost of my insurance had not gone up. I called PenFed again. And thats when I found out what really happened. 
When my loan payment was originally calculated, the calculation didnt include anything for insurance. ( And apparently they did this twice - when I first got my loan, and again when my payment was reduced to {$660.00}. ) I asked why, and was told that when I applied for the loan, my insurance had just been paid, and why would they charge me for something that had just been paid? ( Isn't that what escrow is for? ) The same representative who said this also said I should have been told that my payment would go up. 
Calling PenFed has offered me no relief, the representatives will only tell me that my escrow account is low and I need to catch it up. So in XXXX I wrote to PenFed, at the published address for mortgage complaints, and have not received a response. They apparently calculated my loan payment without insurance Twice, but paid the insurance. This is their error, not mine, but now I'm paying {$64.00} a month more for it. 
The ironic part of all this is that PenFed held the mortgage I was refinancing, so they had my insurance information when I applied for the refinance. And my insurance was in escrow on that loan because they insisted on it - previously, when another institution held my mortgage, I paid my insurance myself.

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX   XXXX- opened- XX/XX/XXXX amount {$3900.00}

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 2020-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: VA

Complaint narrative:
I apply for an on line loan with Lending Club and was approved for an unsecure loan for XXXX at a fixed interest rate for 5 years with a payment of {$980.00} by the 15 of each month. I have been paying on this account for 3 years with a balance owed XXXX. Due to high medical cost for my wife and bank fraud on my checking account. I called Lending Club customer service on XXXX XX/XX/2019 after I paid {$980.00} for XXXX payment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XXXX and XXXX payment and my XXXX and XXXX would be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of Lending Club Managers so I called XXXX, XXXX still no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that Lending Club never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at Lending Club to discuss my payment plan and concerns over balance owed to date. Sent a Validation of Debt letter XXXX XX/XX/2019 to date never received payments paid should reflect 30 payments at {$980.00} last payment being credited XX/XX/2019. Note I was never offered " Lending Club to Beta Hardship Plans for Borrowers ''. I feel after having a strong payment history the representative or a manager should of made an attempt to assist me with their Hardship program not wait 120 days and make the loan a Write Off not allowing a payment plan they outsourced to collection agency XXXX XXXX that was unable to answer my validation letter under the Fair Debt Collection Act providing payments made and what is owed and to seize and persist all interest owed until investigated. This borders extortion to pay the debt what we say it is without a proper validation requested missing my 30 payments on the returned validation from XXXX XXXX. Any Judge in Virginia would concur this is not good business practice for a consumer undergoing a hardship or life experience. Just to provide a copy of an agreement and not meeting the validation letter request is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
We refinanced our home thru XXXX and closed on this refi on the XXXX of XXXX. Our original lender Lakeview Loan Servicing refused the payoff from XXXX citing that Lakeview sent out our property tax payment to XXXX XXXX. I was not notified of any of this until the XXXX of XXXX, when Lakeview called me to tell me I was past due on my mortgage by 15 days. I called the title company, who then informed me that Lakeview had refused the payment due to it being sort XXXX dollars due to the escrow payment. The title company had sent out the property tax payment as well, and the county cashed that check, and returned the check to Lakeview. They are refusing to acknowledge this happened, even though the county verified that they did not cask the check from Lakeview. So they have been unwilling to do anything besides charge me a late fee and demand I continue to make payments to them. XXXX sent a check as a paydown, so that I didn't owe a late payment to Lakeview, in order to get all of this settled, but Lakeview has refused the paydown of XXXX ( the original payoff quote they gave the title company ). I do not know what to do, as I have a balance of XXXX owed to both Lakeview and now XXXX. XXXX has been trying to fix it but Lakeview keep refusing.

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 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have requested my escrow account t be analyzed again as my property had been fully accessed for value and taxes after being built as a new home. I submitted a copy of my homeowners insurance and the tax bill from the XXXX XXXX XXXX showing yearly amount. NFCU has said that is not accurate and out a stop and hold on any further escrow analysis until XX/XX/2021. This is not accurate as Im overpaying substantially. The escrow amount should be {$280.00} per month and not {$400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been contacting XXXX XXXX about a card that was opened that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They have closed the account on one bureau, deleted from another bureau, and showing on XXXX. This is illegal ; and needs to be DELETED from my credit bureaus. I havent had a card with XXXX XXXX and i have disputed this. they keep updating the 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 explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been contacting XXXX XXXX about a card that was opened that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They have closed the account on one bureau, deleted from another bureau, and showing on equifax. This is illegal ; and needs to be DELETED from my credit bureaus. I havent had a card with XXXX XXXX and i have disputed this. they keep updating the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: FL

Complaint narrative:
I have been contacting XXXX  XXXX about a card that was opened that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They have closed the account on one bureau, deleted from another bureau, and showing on XXXX. This is illegal ; and needs to be DELETED from my credit bureaus. I havent had a card with XXXX  XXXX and i have disputed this. they keep updating the 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 non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA 's. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-01-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been contacting the bureaus and XXXX XXXX because they have been reporting a car that i do not own on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They ca NOT verify this account and needs to be DELETED from my credit bureaus. The credit bueraus are simply updating the information and NOT deleting this account from my report. They have sent me no proof of verification which i am entitled to. they are NOT disputing properly.

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 2020-01-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been contacting the bureaus and XXXX XXXX because they have been reporting a car that i do not own on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They ca NOT verify this account and needs to be DELETED from my credit bureaus. The credit bueraus are simply updating the information and NOT deleting this account from my report. They have sent me no proof of verification which i am entitled to. they are NOT disputing properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been contacting the bureaus and XXXX XXXX because they have been reporting a car that i do not own on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They ca NOT verify this account and needs to be DELETED from my credit bureaus. The credit bueraus are simply updating the information and NOT deleting this account from my report. They have sent me no proof of verification which i am entitled to. they are NOT disputing properly.

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 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: NY

Complaint narrative:
I got an alert back in XX/XX/2019 from the credit bureaus saying that I had a collection added to my file? So I checked my report to find that a company name CKS Financial, put a collection on my account. No one from this company has ever contacted me before, no letters, no phone calls, nothing. ( So how are that putting information on your credit reports?? which is a clear violation of FCRA ). So I wrote them a letter from the information on my report, disputing this collection and asked for validation of this account with my signature because I have never open an account with XXXX XXXX XXXX XXXX XXXX visa or them. Now 4 months later and the account was never validated or no proof of ownership was supplied. All they do is send generic letter stating investigation was done and result show as listed on the account is correct? But were is the proof?? This is another clear violation of the FCRA. 
I have been a victim of identity theft two times before, and had to fight to get all of the incorrect information off my reports. What someone did then was use a similar addresses to mine and the account in question is under one of those addresses. So I wrote CKS again all certified mail, telling them that the address they have for me is incorrect, also that I am a victim of identity theft and asked them for validation / send proof of ownership with my signature and still NOTHING!! This debt/ collection does NOT belong to me and need to be removed from my credit file with the credit bureaus ASAP. CKS needs to also send me a letter stating that they are CEASING all collection activities along with removing the collection off my credit report. This company CKS Financial is blatantly violating federal law and must be stopped!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying to fix my credit and realize that the Equifax credit reporting has my name mispelled. It has been ongoing problem and now I am getting a ton of mail with the mispelled name send to my address. 
It was brought to my attention while applying for a home loan with my local bank, on XX/XX/2019 
The correct spelling of my name is XXXX, not XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX XXXX opened- XX/XX/XXXX amount {$3900.00}

Company response to consumer: Closed with explanation