vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: FL

Complaint narrative:
Had procedure with XXXX XXXX. Started receiving bill from company, then a collection company. Was making payments, then received a bill from Frost-Arnett. When I contacted Frost-Arnett, I  was told they were the new collection company and payments had to be made to them. They collected around {$150.00}. Then I received a letter from original company inquiring why I had not made any payments. When I called the anesthesia office, they explained that Frost-Arnett was not their collection company and had no connection to my debt. When I contacted Frost-Arnett, no one ever called me back and never received any refund. 
It has been almost two years and Frost-Arnett started sending collections again. This is after the bill has been paid. 
They are a scam and should not be allowed to say they are representing companies when they just take your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have called the credit reporting company ( Transunion ) and they wouldnt take care of the issue. I have 8 inquiries that are to be removed : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/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 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has had several glitched in XXXX and XXXX in which caused inquiries to be deleted. Transunion later added the inquiries back without giving the legal required written notice of 5 days prior to them re-adding them. I have contacted Transunion in good faith to ask delete the inquiries that they illegally readded. I spoke to US representatives on XX/XX/XXXX and XX/XX/XXXX. Transunion has violated my rights and is causing a hardship with the re-additions. I ask that if you ( CFPB ) can help Transunion stop victimizing 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 2018-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
My student loans that I pay {$290.00} per month for are currently {$62000.00} which they have remained steadily for at least the past year. The company states paying {$290.00} per month of the loan will result in it costing me {$120000.00} overall. I have not missed a payment in years yet it grows higher and higher. The applied my entire last years payments to interest only ( without giving me any option ) and continued to compound interest of my FELP loans as well as my subsidized and unsubsidized. I have been on autopayment for 2 years in order to get an interest reduction but was penalized when I cancelled it for one month. I am not on the lowest plan and in fact am on the middle of 5 plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax received my dispute on XX/XX/2018, ( see attached return receipt ), per tracking. I requested that Equifax delete the also known as XXXX XXXX XXXX as well as multiple addresses that are obsolete or I have never resided. See attached dispute letter that was sent as a SECOND NOTICE to Equifax in XX/XX/2018. They reflected several inaccurate accounts as well. To date, Equifax has not responded to my 2nd request nor has any of the inaccurate information been removed. I have proof that Equifax is in receipt of the dispute as of XX/XX/XXXX and opted to not respond to my dispute. This inaccurate reporting is unethical and violated my rights under the FCRA. 

The medical bill that is reflected has no company name, address, or any company information so that I could communicate with the company reporting. This reporting continually compromises my credit health and should not be on my report. Since Equifax has failed to respond within the 30 days as required and this is well over 60 days and I have not received a response from them, the entries reflected on the dispute letter included should be deleted from my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
on XX/XX/2018 I sent a dispute letter to IC System asking for validation. I received back letter saying " XXXX has provided the attached information verifying your responsibility ''. On XX/XX/2018 I send a second letter because yet again IC System have failed to provide me with copy of any viable evidence. I have no record of the above account and i am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C 1681g the consumer is entitled to said records the requested. 
The information they are reporting is harming my reputation, its adversely affecting my credit worthiness and i am being denied credit as a result of this inaccurate reporting. They are in violation of the FCRA. On XX/XX/2018 i send a third letter, stating I have retained new copies of my credit reports and noticed that they did not furnish the credit bureaus with the required disclose within the period required by law. 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or  threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

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 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  is my lender ; I fell into default on or about XX/XX/2018, on my first mortgage.and submitted a request for a loan modification on XX/XX/2018. I contacted XXXX XXXX on or about XX/XX/XXXX to follow up on the application and supporting documents that I had submitted. 
On that date, I was informed by XXXX XXXX that the mortgage servicing had been transferred to Fay Servicing on XX/XX/2018 (  one month prior ) while the mortgage was already in default. When I contacted Fay Servicing about this, I was informed by Fay that they would not review my file for loan modification consideration as the foreclosure date was too close. My allegations are : 1. I was not given written notice by either XXXX XXXX XXXX XXXX or Fay Servicing when my loan servicing was transferred ; had I been expressly informed ; I would have submitted my modification request to Fay Servicing. 
2. My loan went into default in XX/XX/2018 therefore, loan servicing was transferred while the loan was in default. 

The amount of my default is {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
For maybe more than 20 years trans union has been reporting and gathering wrong information on me which has affected my credit score and report. They were reporting my name as XXXX XXXX XXXX and My name is XXXX XXXX XXXX Also they have been reporting my birth date as XX/XX/XXXXand my birth date is XX/XX/XXXX. This has resulted in bad information gathered. The other two credit bureaus have my credit scores ranging from XXXX to XXXX at different times and transition stays from XXXX - XXXX. I have complained and ask them t fully investigate how the wrong information mah have hindered my score and ruined my life stopping me from lower payments, credit cards and many better things. They changed the information but nothing else not even an apology and my right score.

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 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen LN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Short sale was started XX/XX/18 with Ocwen. 

XX/XX/18 Borrower was approved for a loan modification. As per Ocwens request the borrower responded on XX/XX/18 with a signed letter declining the loan mod and requesting a short sale. 

Per federal guidelines, this file should have been rolled immediately into a short sale. Ocwen is refusing to do this. Instead, they are requiring a brand new complete financial package from the borrower, and they are blaming this on investor as an investor requirement. 

This is not legal. This is NOT acceptable. 

In addition, Ocwens employees in XXXX have no idea what a self-directed IRA is, and are refusing to acknowledge this as a viable option for a buyer to purchase a property. Instead they are requiring XXXX documents. We have explained several times to Ocwen that this is a self-directed IRA and not an XXXX. Ocwens employees in XXXX are still refusing to move forward without XXXX docs. 

Ocwen is allowing people in a third-world country that can not properly read, write and speak English and have NO knowledge of how transactions are handled in the United States to make decisions that are affecting their clients ( I believe our experiences with Ocwen are very similar to what thousands of Californians have experienced in the past and almost led to Ocwen being banned from doing business in this State ). This is also NOT acceptable. 

I want the federal guidelines to be adhered to and this to be immediately rolled into a short sale with no further illegal action or investor-blaming on the part of Ocwen. 

I also want to know who the investor is immediately, so that we may file a federal complaint against them as well, for allowing their servicer to commit these illegal acts. 

CC : California Attorney General XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
One Main Financial has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. the dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called One Main Financial and got nothing more than a run-a-round by their customer service representatives on multiple call by myself to them. That is the reason I am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On or around the end of XX/XX/2018 I received a letter from my county ( XXXX XXXX XXXX, FL ) exempting me from all ad valorem property taxes because I am a totally and XXXX XXXXXXXX veteran. I forwarded that letter to Freedom Mortgage, my mortgage company, with a request that they re-compute my monthly payment and my escrow account balance requirement based on the fact that I will have no ad valorem taxes due for 2018 ( only the county non-ad valorem assessments shown on the tax bill from last year will be due ). I spoke to Freedom Mortgage today, XX/XX/XXXX, and they claimed that they had reached out to my county to get a revised tax bill for 2018, but were told the 2018 tax bills would not be available until XXXX or XXXX. Understandably, the county does not revise their property tax bills every time they provide a letter to a veteran for exemption. They calculate the bill annually, for everyone. Freedom Mortgage did not have a 2018 tax bill when they computed my payment and escrow requirements for this year. They calculated that amount based on last year 's tax bill ( and insurance bill ). They claim that they will not recompute my payment or escrow account requirement until they receive the actual tax bill for 2018, and will require me to keep paying the full amount to them although they know this will create a significant over-payment to my escrow account. I feel that this is deceptive and is discriminatory ( only XXXX and senior citizens receive this type of tax exemption ). As a veteran living on a fixed income, their decision to continue to charge me for taxes that they know will not be due will hurt me and my family ( a difference of over {$7000.00} ). I request that the CFPB look into this and see if anything can be done to get them to do the right thing and change their discriminatory practices.

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 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am seriously tired of capital one giving me the run around about a dispute with budget.com. I have been given multiple messages, wasted lots of time and more

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Since Navient has been the loan servicer I have received wrong information, pressed to apply for forbearance and not provided accurate and clear information about the income-based repayment and or borrower defense, since XXXX XXXXXXXX XXXX XXXX XXXX ( now XXXX University ) provided me with false information about their accreditation and the ability to be licensed and employed after completing their program. 


I enrolled in the program in 1998. There was no APA accreditation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/XXXX I pulled my bureau report and found that Portfolio Recovery XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's  XX/XX/XXXX response was insufficient to determine if XXXXRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account. 

XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX/CBNA to dispute acct # XXXX via certified mail on XX/XX/XXXX in regards to inaccuracy on my credit report. [ I owe {$450.00} as well as reporting delinquencies of 30 days late XXXX. I dispute the validity of the debt purport I owe.XXXX/CBNA provide an application, without a date that clearly states naps date XX/XX/XXXX XXXX XXXX  is this where they get their customer information from but if this is XXXX/CBNA proof wheres the contract to the application agreement, are all the purchase receipt they are electronic that add up to {$450.00} worth of purchases, canceled checks, late payment checks, itemized bill does not constitute verification. Then I sent another letter on XX/XX/XXXX 31 days later certified mail signed on XX/XX/XXXX informing XXXX/CBNA that upon checking my credit report XXXX/CBNA did not place a " NOTICE OF DISPUTE '' by the federal law within 30 days. You are required by the federal law to place a NOTICE OF DISPUTE when you signed on XX/XX/XXXX certified mail within the 30-day timeframe required, The Fair Reporting Act Section 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15U.S.C.1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to the consumer reporting agency is disputed. XXXX/CBNA has since marked report but they are still in violation when you report to all bureau you must notice of dispute to all bureau not to your favorite one ... ... .all three. Duty to provide " NOTICE OF DISPUTE '' by federal law my law XXXX/CBNA MUST REMOVE / DELETE THE ITEM OFF CREDIT REPORT. PLEASE ENFORCE THE COMPANY TO ABIDE BY THE LAW AT HAND THE VIOLATED.

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 2018-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have applied for an HELOC from Santander Bank, headquartered at XXXX XXXX XXXX, XXXX, MA. The Consumer Credit Processing office is located in XXXX, Rhode Island. 

I have made numerous requests to receive specimen copies of all documents ( " CONTRACTUAL DOCUMENTS '' as defined by CFPB ) that I will be asked to sign at the closing so that I have ample time to review them myself and to then have them reviewed by my legal advisor. 

1. THE BANK REFUSES TO PROVIDE THESE DOCUMENTS.

2. THE PROCESSING CENTER STAFF REFUSES TO PROVIDE THE NAME AND TELEPHONE NUMBER FOR A PERSON IN THE GENERAL COUNSEL 'S OFFICE. 

3. THE BANK APPEARS TO HAVE DELIBERATELY CONCEALED TELEPHONE NUMBERS FOR ITS EXECUTIVE OFFICE AND OFFICERS TO PREVENT A CUSTOMER FROM ESCALATING REQUESTS SUCH AS THIS ONE. 

XXXX. THE BANK IS ENGAGED IN AN UNFAIR AND DECEPTIVE BUSINESS PRACTICE BY INTERFERING IN ITS CUSTOMERS ' RIGHT TO INSPECT LEGAL DOCUMENTS AND TO HAVE THEM REVIEWED PRIOR TO CLOSING ON THE LOAN.

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 2018-07-19 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: Collection Consultants of California
State: CA

Complaint narrative:
I asked Collection Consultants to stop trying to collect on a debt that has expired beyond the statute of limitations in California and remove from my credit report. They insisted they could still collect. Now, they have added false statements stating they're not able to reach me, although they have sent me notification to stop contacting them.

Company response to consumer: Closed with explanation