vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On or around  XXXX / XXXX /   17 I was reviewing my credit report and I discovered several HIPPA ACT violations breach of third party  confidentiality. I have never done business with these companies listed. I have never signed a contract or entered into any verbal or written contracts with the following companies  1.   XXXX   XXXX   XXXX    XXXX    XXXX   HIPPA Act viola ted please delete.   2. XXXX   XXXX   XXXX   XXXX  This account has never been validated please delete.   3. XXXX   XXXX    XXXX    XXXX   HIPPA Act violation please d elete.    4.   XXXX   XXXX   XXXX    XXXX  5. XXXX   XXXX   XXXX  #  XXXX   HIPPA ACT  violation please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On or around  XXXX / XXXX / 17  I was reviewing my credit report and I discovered several  HIPPA ACT violations breach of third party confidentiality. I have never done business with these companies listed. I have never sig ned a contract or entered into any verbal or written contracts with the following companies   1.   XXXX   XXXX   XXXX   XXXX   XXXX   HIPPA Act violated please delete.
2  XXXX   XXXX   XXXX   XXXX   This account has never been validated please delete.
3.  XXXX   XXXX   XXXX   XXXX   HIPPA Act violation please delete.
4.  XXXX   XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX   HIPPA ACT violation please delete.

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 2017-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I was contacted by Cooling and Winter Law firm about a debt they claim I owed. The debt was XX/XX/XXXX in XXXX County court. I responded to the letter asking for verification because I had never heard of this law firm. I asked that they provide me with all original signed documents since they were a third party who I had never done any business with. They sent me screenshot of a judgment with no signature from the judge. They sent me two letters in the same envelope and they had different balances. These letters were dated XX/XX/XXXX with a balance of {$2700.00} and XX/XX/XXXX with a balance of {$1500.00} for the same debt. The statute of limitations had expired on this debt but was renewed by this money hungry Law Firm that I 've never had any dealing with. They have continued to write me letters and attempt to claim this debt without validating the debt. It 's unlawful to continue attempts to collect a debt without proving I owe the debt. I have also asked that they cease communication with me about this debt. I will attach the documents for you to review. Thanks

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 2017-07-02 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: NC

Complaint narrative:
Throughout my XXXX college and university career, I took out school loans equaling about $ 55k through XXXX XXXX which was the only lender used by those institutions. In XX/XX/XXXX, I became aware of the PSLF and inquired about it. I was told to keep paying the loans as there was insufficient information and I was doing what I was supposed to. At some point, my loans were sold/moved to Navient. I contacted them and also shared that I would like to ensure I was taking the steps to be eligible for PSLF. They also confirmed I should continue paying the loans and as we approached XX/XX/XXXX they would have further information. I inquired throughout the years to both companies, I would say annually, and was told I should just keep paying. Over this last year I inquired again and submitted the PSLF paperwork. My application was denied with the reason that my loan was not a direct loan and that XXXX XXXX and Navient are servicers for student loans. How would I know the difference if XXXX XXXX was the only option I had for subsidized and unsubsidized loans through my public institutions AND they both confirmed that I was taking the necessary steps? When I called about the denial of my application, the Department of Education directed me back to Navient to refinance to become eligible in 10 more years??!!! So I was ineligible because I was paying through Navient and was redirected back to refinance again through Navient! This is 100 % disheartening and, in my opinion, something that should be civilly litigated. I am, as are thousands of others who have been jerked around, the target candidates for loan forgiveness. I am a first generation college graduate and single parent who took full advantage of the opportunities afforded to me to excel and chose to give back as a public servant. I have been successful, and by the time 10 more years comes around, it will be highly unlikely I will be eligible due to income. Calculating the interest and extended loans, I am appalled. 100 % unfair and has caused me excessive grief. Excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Due to the increasing issues with this Credit Agency in addition to a majority of others, I 'm including the recent Statement Details as of the most recent Statement with this Card issuer : XX/XX/XXXX-XXXX 2017 Statement : Annual Percentage Rate : 26.74 % ( variable ) Balance subject to interest rate : {$780.00} Interest Charge : {$17.00} I have some concerns about what this company refers to as Promotional Purchases. The statement reflects a vague account of this type of Purchase yet includes a balance which has a separate Interest Charge. The Average Daily Balance that I 'm getting also raises some serious concerns. I have done some additional research and have found other clients of this company having the same issue where it appears either Interest and/or calculations relating to balances are being miscalculated in favor of the Credit Agency. <P/>I 'm showing some conflicts with regards to the Average Daily Balance calculation, perhaps as a result of certain transactions not being listed and/or credits not being fairly adjusted.

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 2017-07-02 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: MI

Complaint narrative:
XXXX   XXXX   XXXX  never provided me with documentation for the {$120.00} collection yet Equifax claims the debt is valid. This bill is for a  two  year old  XXXX  that had multiple errors in the billing process.  XXXX   XXXX   XXXX  has already been paid over {$1300.00}. Both   XXXX   and  XXXX  have investigated and removed this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: VW Credit
State: FL

Complaint narrative:
VW Credit is incorrectly reporting date of activity on my credit report for Husband,  XXXX , and NOT MINE. My date of filing was  XXXX / XXXX / 2015  - Date of discharge  XXXX / XXXX / 2015 . VW Credit in violation of Chapter  XXXX  discharge reporting late after filing date. They are also in violation of FCRA and FDPCA since this has been reported several times and VW credit continues to refuse to correct the error they say they are correct and in their validation still show the wrong dates.   XXXX  At this point they are clearly indicating the error - see #  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Upon being denied from a lender for too many inquiries from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.   XXXX   date   XXXX   2.  XXXX  date   XXXX   3.  XXXX  date  XXXX  4.   XXXX   XXXX   XXXX   date   XXXX   5.  XXXX  date  XXXX  6.  XXXX  date  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 non-monetary relief
Consumer complaint received 2017-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Upon being denied from a lender for too many inquiries from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Equifax credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2.   XXXX   XXXX   XXXX   XXXX   date   XXXX   3.   XXXX   XXXX   XXXX  date  XXXX   4.   XXXX  date  XXXX   5.   XXXX   date   XXXX  6.  XXXX  date  XXXX  7.  XXXX   XXXX  date  XXXX  8.  XXXX   XXXX   XXXX   XXXX  date  XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX  date  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon being denied from a lender for too many inquiries from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my TransUnion credit report that I DID NOT authorize and had no knowledge of. I contacted TransUnion immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2  XXXX   XXXX   date   XXXX   3.   XXXX  date  XXXX   4.   XXXX   date   XXXX     5.   XXXX  date  XXXX   6.   XXXX  date  XXXX  7.  XXXX   XXXX  date  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 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TimeMark Solutions, Inc
State: CO

Complaint narrative:
I called XXXX XXXX XXXX to discuss outstanding balance. They had a man tell me that I could qualify for student loan foregiveness through Timemark Solutions. They obtained information verifying my personal information, stated I no longer had to make payments to XXXX but that I had to cover a XXXX dollar deposite to get the account started. I gave them my bank account and routing number and they withdrew XXXX on XXXX XXXX, 2017 with the next w/d to be done XX/XX/XXXX, XX/XX/XXXX. I have come to find that this is in fact not a real site and I gave them my FSA ID number, copies of my payment stubs from my hospital, references for my family with their address '. I do n't know what to do from this point on as they have very detailed information. I am cancelling the transactions from the bank but am deeply concerned about the personal information they have of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
APPLIED FOR CREDIT CARD FROM HUNTINGTON BANK, RECEIVED LETTER DATED  XXXX    XXXX ,2017  THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING (  XXXX ,  XXXX  ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... ..  XXXX   XXXX  HAVE LIVED IN  XXXX   XXXX   XXXX   XXXX   XXXX  FOR  14  YRS. BEFORE THAT @  XXXX   XXXX   XXXX   XXXX . ALSO IN  XXXX  FOR  29  YRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX  XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me 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 2017-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I am writing CFPB again in response to DiTechs comments and because I am still seeking relief per CFPB from DiTechs harassment, which is beginning once again, already. DiTech is AGAIN Ballooning my account balances and sending me threatening monthly letters as if they are unafraid of any legal action against them or the revealing of their cycle of threatening and harassing actions against me through my post to CFPB and other agencies. As you will recall I received through DiTechs methods a letter : 1 ) OnXX/XX/XXXX stating that I could get help to pay their fictitious balance of my account ( DiTech ballooning my account balance over 2 monthly payments ). 2 ) OnXX/XX/XXXX I received another more harassing and threatening letter stating that DiTech will accelerate default into foreclosure unless I pay a certain amount of money to them. They stated that this fictitious amount is the TOTAL AMOUNT DUE of the months through the date of the letter as the date of the letter reads. ( NOTE : I paid this amount in 2 installments BEFORE the due date. ) 3 ) I also made a XXXX payment 4 ) So the question is : How can I then receive a letter the following month,XX/XX/XXXX, starting the cycle of harassment over again, stating that I can seek help for over 2 months of unpaid previous payments? This after paying payments for a letter that states TOTAL AMOUNT DUE. 5 ) How also can that same months billing statement reflect over 3 months past due? XXXX Billing statement shows me owing still {$1900.00} and then next month, XXXX Billing statement, shows me owing almost 2xs that for almost 4 months of payments at {$3100.00}. 6 ) More importantly, I paid over {$1900.00} Before XX/XX/XXXX and the payments listed for me through DiTech, for that month are only {$1000.00} Where is the rest of the money I paid? 7 ) The 2 payments I made in XXXX are NOT AT THE BOTTOM OF ANY BILLING STATEMENTS. They should be at the bottom of at least Mays Billing statement, BUT SOMEHOW HAVE VANISHED Please request documents as I have sent most in the previous complaint to you. While others are on the DiTech site webpage letters dated XX/XX/XXXX and XX/XX/XXXX are not on the site but were mailed to me and have been submitted to CFPB. If you need more documents please let me know. I am sending this complaint because while I have responded to the companies response on this site I do n't know if you received it so I am opening up a new opened complaint referencing # 's XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
REVERSE MORTGAGE SOLUTIONS, INC keeps insisting they are in my financial business. Now they say They are BUYING ME INSURANCE AND CHARGING ME A FEE??? They have inserted themselves onto my homeowners policy as if they have some right to be there. They are removed every year. <P/>Now they have written me that they need to be " LOSS PAYEE '' on my business accounts. They are NOT A PART of my LIFE. <P/>They are like a tick burrowed in sucking blood from me and harassing an ID Theft victim that is elderly. <P/>I have the documents where my Insurance company removed them and XXXX REVERSE MORTGAGE , LLC they said they bought the " loan " from 10 minutes after I " signed for it. All baloney. <P/>I am attaching documents from my XXXX XXXX that parties were removed from my policy in XX/XX/XXXX-XX/XX/XXXX, the new policy and the deletion page. Same for XX/XX/XXXX-XX/XX/XXXX where REVERSE MORGTAGE SOLUTIONS, INC added themselves one again -- removed as soon as I saw, was sent new policy declaration page and the deletion of mortgagee page. <P/>Unbelievable for a company to be so ridiculous to scam money from elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I opened a RushCard back in XX/XX/XXXX for my direct deposit in XX/XX/XXXX I purchased a hotel through XXXX and as long as I cancelled by the cancellation date I would n't be charged. The hotel charged me twice. I made a claim through RushCard in which the declined. I had to send a rebuttal letter in which I did in XX/XX/XXXX and I have n't heard from RushCard I have called they said they they are going to send a message to corp. and they would respond in two business days sometimes they tell me they will respond in six hours. I asked how long they are respond to response to the rebuttal letters. I was told 30 days. I 've been waiting 6 months for my money. I 've been waiting 3 months for corp to respond to about the fees they are charging me to transfer between my two RushCard 's which are both under my same social. So last week I called a demanded my money from them and they sent another one of their messages to corp. yesterday I go to login on my account to find it was suspended I call they told me hay corp said that it had the wrong social attached. Now keep in mind I had that second card since XX/XX/XXXX when I call enter my social in IVr it said that I have two cards under my social. They closed it without my knowledge and caused me returned payment on two of bills. They than sent me a check that they say will take 7-10 business days. I am moving out of state next week and I wo n't be here to get that check and I have two bills that are delinquent now. RushCard has stolen over 600 $ from me. I demand that they are investigated and shutdown!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio Recovery Associates, LLC began calling repeatedly demanding payment for a debt they claim I owe to them. I sent a demand for validation. I requested to see proof of contract between myself and this company. In response they sent information regarding XXXX XXXX. To the best of my knowledge I have not had any relations with XXXX XXXX. I am not sure if Portfolio Recovery Associates, LLC is trying to work with XXXX XXXX or if they are trying to pull a scam on me stating they are part of XXXX XXXX. Either way there is no contract between myself and this company.

Company response to consumer: Closed with explanation