vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
XXXX XXXX told me that I had a debt with them. I faxed a letter to XXXX, as the CFPB directed to ask for clarification. I did this on XX/XX/2018. I have still not received a written notice of clarification. So, I assumed that the debit was invalid. I was then contacted by a collection service ( XXXX XXXX XXXX XXXX ) trying to collect the debit, on XX/XX/2018. XXXX had still not provided me with a written clarification of the debt. The CFPB website stated that if they tried to seek judgment for payment of the debt without first providing written verification, they would be in violation of the Fair Debt Collection Practices Act. 
Now, I have been contracted by a second collection service ( XXXX, XXXX ). I sent them the information about the lack of clarification on the debt by XXXX. I then received a letter from them saying that they had determined that the dispute was not valid. They also send me another copy of the bill. The State of California currently has enhanced debt collection laws intended to provide protections beyond what is currently required by the Federal Fair Debt Collection Practices Act. Senate Bill No. 233 states, A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer has access to a copy of a contract or other document evidencing the debtors agreement to the debt. Neither XXXX or XXXX has provided with this verification, which I first asked for in XXXX, filed on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TN

Complaint narrative:
XXXX  ; XXXX and Transunion are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of excellent payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.

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 2019-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I've been having issues with Navient for years. They are very rude and condescending when they're talking to me. I had an issue once with it stated on my account that I had a past due amount but had been making auto-payments- they had the incorrect date on their end of the due date and when they were taking the payment, so they were calling them late- not my fault. 

Six months ago I called with issues with making payments. I had been unemployed and had to move across country for a job opportunity. They said there was nothing they could do- I also had complained that my payment was never the same every month and they lied and said it was. I had my account open in front of me showing different amounts taken from my account every month- again the agent lied. I told them to un-enroll me that I would make payments on my own. He assured me that it had occurred but the payment was still taken out of my account that moment. 

I forcibly through my bank stopped the payments from that point and did not make payments, as I could not afford them and the company was not willing to help me. Today, they called me and I again were so rude I asked to speak to the manager. The agent literally said to me " you have a job and the payment is {$180.00}, I don't understand '' When I explained that was too high for me he again said {$180.00} as if it was insignificant. The manager he finally transferred me to was just as rude but a bit calmer so I attempted to work something out with him. It's still not ideal but Idk what else to do. 

This company needs to be reported for the treatment of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TX

Complaint narrative:
I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: WI

Complaint narrative:
I sent a letter to Experian credit bureau XX/XX/2019, asking them to remove a bankruptcy from my credit report because it's against the law to report this information they obtained from a third party known as XXXX XXXX they said they verified the information and refused to remove it. I'd like them to remove the bankruptcy from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan servicing ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX ) provided an inaccurate payoff quote that resulted in an over payment of my mortgage of {$5200.00} on XX/XX/2019. This over payment was placed in a suspense account by Ocwen. Ocwen consolidated all mortgage accounts with PHH Mortgage Services as of XX/XX/19. Since my mortgage has been paid off in full and I have never had an escrow account with Ocwen ( I paid paid all taxes and insurance fees directly ), I should be refunded the amount that Ocwen received as an over payment. I have contacted PHH Mortgage Services by email, phone and letter describing this issue. I have received no response that addresses the return of my money, Return emails only say, " You will receive a response email from one of our Customer Service Representatives within 5-7 business days. My first email to them was on XX/XX/19 and I have yet to receive a " response email. '' Customer Service Representatives ( after I have been on hold for as long as 30 minutes ) claimed to have referred my issue to the, " Escalation Department. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
this debit of is result of identity theft thruogh XXXX XXXX. I contacted the collection agency and I told them i have letter from the XXXX i dont owe the money and to fax to them but they wont let me and they sent a letter i still i owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
WE WERE SCAMMED BY A COMPANY CALLED XXXX XXXX BACK IN 2011. WE PAID THEM {$500.00} XXXX AND {$490.00} XXXX. THIS COMPANY TOOK ADVANTAGE OF US AS SENIOR CITIZENS. THEY DID NOTHING FOR US AND REFUSE TO REFUND THE MONEY WE PAID.WE TRIED TO GET THIS MONEY REFUNDED BY OUR CREDIT CARD COMPANY AND THEY HAVE DENIED THE FRAUD CHARGE.

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 2019-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
In XXXX I changed Loan Consolidation Companies from XXXX, North Carolina XXXX XXXX XXXX, and XXXX to a third party online Federal Student Loan Consolidation Company called XXXX. XXXX XXXX and I had several conversations about the new management of my XXXX  XXXX and XXXX XXXX and he assured me that my Education wouldnt be at stake. I suffered from an accident inside of my own home in XXXX when all of the sudden I was out of commission and struggling to regain my own health for thirteen consecutive months in a row since XXXX, XXXX. In XX/XX/XXXX I returned to my hometown and applied for Federal Student Loan Forgiveness or Cancellation due to my XXXX XXXX and  XXXX XXXX XXXX XXXX application that I completed with a Real Medical Doctor in XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX contact numbers ( XXXX ) XXXX. He has been a Family Doctor since XXXX. And in XXXX he and I together finally got approval for {$50000.00} Dollars of Federal Student Financial Aid or Federal Loans borrowed from The Federal Governments Department Of Education from XX/XX/XXXX to XX/XX/XXXX in the amount of {$30000.00} Dollars. My Social Security Card was stolen before my accident inside of my own home at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX phone ( XXXX ) XXXX email : XXXX XXXX XXXX Password : XXXX. The Hospitals Group Home for Adults needing 24 hour care was XXXX XXXX XXXX XXXX or XXXX XXXX, XXXX. Managed by XXXX XXXX XXXX that changed management in XXXX and is now called XXXX XXXX. ( With the Butterfly ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX phone ( XXXX ) XXXX. The workers there were XXXX, XXXX, XXXX, and XXXX XXXX Supervised by XXXX XXXX. My peers and roommates were XXXX, XXXX XXXX, XXXX, XXXX, and XXXX. Two people came into the Group Home about one or two months before I was to be XXXX  completely and understood that I had Federal Student Loans Outstanding with a balance due of more than {$30000.00} Dollars since XXXX. She told me about Federal Student Loan Forgiveness and that through, by, and with XXXX XXXX XXXX XXXX approved by an MD that my Loans could be reduced and possibly forgiven due to a XXXX XXXX and an Application Form Process that takes approximately one year to Complete inside the The Federal Government. XXXX XXXX made this process take six years. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: SC

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT ON MY FILE. THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, THIS ACCOUNT WAS INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-26 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: SC

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT ON MY FILE. THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, THIS ACCOUNT WAS INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: CORELOGIC INC
State: OH

Complaint narrative:
I am having some issues with addresses on my file that are not accurate. My XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-06-26 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: Innovis
State: OH

Complaint narrative:
I am having some issues with addresses on my file that are not accurate. My XXXX XXXX. XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/XXXX, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TX

Complaint narrative:
I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

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 2019-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

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 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: GA

Complaint narrative:
Our son was having difficulty XXXX and we took him to the emergency room on XX/XX/XXXX at the base hospital. The hospital did not have the proper tool necessary to treat him so they had him immediately transported to XXXX XXXX  in the next city. We heard nothing about any charges and then we received a bill saying we owed around {$350.00}. I immediately called the billing department for the hospital and spoke with an agent who stated that we owed that amount. I asked what was the bill for and he said he doesn't know. So I asked how can I pay for something but I do not know what the charges are for because we have never received a hospital bill because we have XXXX with the military and its always paid. He informed me to contact XXXX. I contacted XXXX and spoke with an agent named XXXX. She couldn't find what the charge was for and she said that it would be removed and to have the hospital contact XXXX if they are still sending bills or calling. I immediately informed the hospital billing department and the agent stated that he would look into the matter. We heard nothing for months so we assumed the issue was resolved. We received another bill in XX/XX/XXXX about the same issue. I called the hospitals billing department and spoke with another agent and he informed me that the amount was not removed and that we needed to pay a totally different amount that was on the bill. He couldn't figure out the numbers and he said that it had to be paid because XXXX only pays a portion. We called spoke to another agent and this agent claimed that the amount was for taking our son to a hospital that was not in the network. We explained that we did not voluntarily take him there, and that he was transported by the hospital. They stated that we still had to pay even though our daughter also was taken to that same hospital for XXXX and stayed almost 5 days and never had to pay. We set up the payment arrangements with the new amount given by an agent of {$380.00}. When I had my credit score checked for a loan, I was told that my credit score has dropped because of a {$14.00} collections debt from the hospital.We paid what we were told and now my credit has been affected. I paid the {$14.00} and I would like this removed from my credit.

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 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Around the beginning of XX/XX/XXXX I received a letter from Commonwealth regarding 3 medical bills dated XX/XX/XXXX in the amount of {$58.00}, XX/XX/XXXX in the amount of {$360.00}, and XX/XX/XXXX in the amount of {$110.00}. As I was unaware I had any existing medical debt and I had no knowledge of what these bills were for ( and still do not as to this day ) I requested Commonwealth send me the original bills and paperwork proving I am financially responsible for these medical bills and that they are even mine, these were from XX/XX/XXXX. Eventually Commonwealth mailed me paperwork, but the paperwork were documents they created. None of the paperwork they provided was original, anyone could have gone on a computer and created these documents. Even at the top it is there letter head. I contacted them and requested additional information as what they provided was what they created and not original bills, in fact their created documents listed insurance but there are no details providing specifically what was paid it was just some random number they created on their documents at the end what I supposedly owe. The credit collection company is refusing to provide me with original documents to show that I am in deed responsible for these so called bills. Again I can't stress enough they created their own documents to send me, nothing is original. I have attached those documents. I would like assistance with having these bills removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
XX/XX/19 : Requested verification of account XX/XX/19 : Received statements and copy of Terms of Service with my printed name on the signature line and my social security number included as company tax id number XX/XX/19 or thereabouts : I was contacted by the collection agency who threatened to arrest me within 15 minutes if I did not pay. On another occasion the representative told me that they had my wife 's phone number and would call her every half hour if I did not pay The company did call my wife and after she said she did not speak English they hung up and did not call back. 
XX/XX/19 : Contacted collection agency and representative was made a few statements and was rude, then hung up the phone before I was able to ask any additional questions. 

The account is not my account. I never owned this business or any other business. The other person on the contract stated that he opened the account under the business tax number and later sold the business. He does not know how the company obtained my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC
State: WA

Complaint narrative:
I called XXXX XXXX to let him know that I had Called the another Debt collector and figured out how my account had come to his office in the 1st place and resolve the issue with them and the account holder should be contacting him soon to resolve the issue he then got very short and angry and started yelling and being very nasty And threatening that they amount would go up and then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
No one can pull my Equifax report. No freezes or fraud alerts. Tried resolving with Equifax to no avail. I cant even pull a report on their own website.

Company response to consumer: Closed with explanation