vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 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: TN

Complaint narrative:
Consolidated loans after graduation XX/XX/2016. Had set up up automatic repayment options. Thought they were taking out payments. Every month I would sign into Navient and try to make a payment however the monthly statement said XXXX for nearly a year I struggled to get them to accept payment. This caused interest to accumulate on my account that my whole payments were being applied to interest. I made several payments where 100 % of my payment went to interest nothing to principle bc they have XXXX statements. Still my statements claim I owe XXXX. But after confronting them, they finally started automatically applying my XXXX payment to my account. Total Ive paid in extra on interest because they would not accept payments. Then randomly they finally autodrafted the payments that I had been requesting to come out. This has resulted in capitalization of interest that I tried to to not have happen. Its wrong that they have been allowed to steal nearly XXXX dollars in interest because they refused to allot account balance. Ill be paying off student loan debt longer because of these miscalculations on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
Last XX/XX/XXXX, I wrote a letter to XXXX XXXX with regards to accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve. I am also filling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft Report # 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 2018-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Turning Point Solutions LLC
State: WA

Complaint narrative:
I received this message today at XXXX XXXX Pacific time : This is a message is intended for my name is XXXX with XXXX XXXX contacting you regarding your file that was placed on my desk as a direct refusal to pay this is the last attempt to reach you and work with you on a voluntary basis you do have till XXXX XXXX Eastern time today to return the ________ event that I do not hear back from your power will be submitted out for XXXX further action XXXX I have no idea who this company is, what is that they are trying to collect, obviously I couldnt refuse to pay if I do not know what is the debt they are claiming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX along with XXXX XXXX XXXX is the companies I am complaining about. Twice I have been turned over for collection for a debt that had been paid. I have been unable to work with XXXX XXXX XXXX as they are abusive and uncooperative. Upon receiving a letter for the collection of a supposed debt to XXXX XXXX XXXX, I called the company to explain that this debt had been paid within weeks of receiving the bill from XXXX and that it had been paid several months ago. I told them I would obtain proof and provide it to them but they kept insisting I owed the money and must pay it at the time. I was even told " if you paid your debts you would not be in collection ''. I got the proof of the canceled check and called again to tell them I would send it but the reprehensive would not listen and kept insisting I need to pay it NOW. I ask to speak to a supervisor, who of course was not available but would call back. The call back simply left a message that they would be taking legal action against me. 
My complaint is the abusive language and repeated harassing phone calls which have followed and the refusal to even consider that I might have proof of payment. I am filing this complaint with the Federal Trade Commission, the XXXX XXXX XXXX XXXX, the Arizona States Attorney General, and the Better Business Bureau.

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 2018-05-24 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: IL

Complaint narrative:
I monitor my credit to prevent fraud. From XX/XX/XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of 1970, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by 150 points in a month. I have included a plot of the data. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XX/XX/XXXX-XX/XX/XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Ok so ive verbally told this company over the phone now 4 times .... they called today everytime from a different number ... i need to talk to a attorney, im done with this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rossman & Co & PCB
State: OH

Complaint narrative:
The company, PCB called from XXXX, in an effort to collect on a debt owed to XXXX XX/XX/XXXX XXXX in XXXX, OH. My daughter had suffered an accident in the Fall and at the time her mother was handling the medical bills, as was our agreement in our parenting plan. Her mother died in XX/XX/XXXX, and I have been slowly learning of and resolving the outstanding medical debts. 

Over the last month I have already resolved over {$1100.00} of outstanding bills, including {$750.00} just earlier this week. On Thursday, XX/XX/XXXX, at XXXX XXXX  I received a call from PCB while I was on my way to work ( I work second shift for a State agency that manages XXXX broadcasts in the State of Ohio ). The caller informed me she was calling to resolve a bill owed to XXXX XXXX XXXX. I informed her that I was driving and could not resolve the issue at that time. The caller told me that she would mark that down as a refusal to pay. I told her I wasn't refusing to pay, I just could not retrieve my payment method at that time.The caller informed me she could wait for me to pull over so I could retrieve my Credit Card. I informed her I was on the freeway and could not pull over at that time. The caller informed me she would wait. I said fine and continued to drive. About a minute later she asked if I was ready. I informed her that I was not, that I was still on the freeway. She again said that she would mark it as a refusal to pay. 

Once I was at a safe place to park, I contacted XXXX XXXX XXXX myself and took care of the balance directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: Account Resolution Corporation
State: MO

Complaint narrative:
Violated HIPAA my PHI was given to a third party collection company that I did not authorize to have. I was sent a notice with my ssn, phone number. There are some services listed on the document with a location and the dates of services on it. This is a direct violation and is reporting on my credit from this third party and I will be filing a suit for this and it needs to be removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern : I have attached a letter in the section where it will explain the incident that happened to me. I have file a dispute with your company for because Ive noticed that I had several new inquiries listed on my credit without my consent. I dont understand as to how the inquiries got onto my credit and I havent inquired about no new accounts. I have contacted the FTC to file a complaint and theyre investigating the incident to see if it was inaccurate or fraudulent. It is sad that every second someones identity is being stolen but who to say that the credit bureaus arent doing this purposely? I am clueless and in distress. In the FCRA section 609, it clearly states that accounts or inquiries that arent verified 100 % correctly should be removed because there is no original application or contract that has the consumers signature. Ive contacted the creditors and I havent gotten no response it seems that Im being ignored and the only way to solve this immediately is to file a civil law suit against the creditors and Equifax, XXXX, & XXXX. Please read the attached letter correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
This complaint is intended to address the irresponsible and irregular management of my mortgage escrow account by Nationstar Mortgage ( Mr. Cooper ). Find below the sequence of events : 1. On XX/XX/XXXX,  Nationstar Mortgage issued a payment to XXXX XXXX and XXXX XXXX to cover the premium for HO-6 Policy # XXXX. The payment was made via a bulk check for the amount of {$1100.00}. 
2. On XX/XX/XXXX, I informed Nationstar Mortgage that I was unaware of the existence of subject policy. Therefore, the policy was to be considered fraudulent, as it was issued without my consent/approval. The mortgage servicer indicated, that they have no control over the issuance of the policy, and they just paid because my escrow account was set to cover HO-6 insurance coverage. Nationstar Mortgage never contacted me to verify the validity of the policy. They just paid and offered me to have patience. 
3. On XX/XX/XXXX at my request policy XXXX was cancelled and Nationstar Mortgage notified. 
4. On subsequent multiple conversations with Nationstar Mortgage customer service I was threatened by the company to purchase another policy. Otherwise, they would buy a very expensive policy with limited coverage, so it was in my best interest to provide evidence of coverage. 
5. On a follow up conversation, I informed Nationstar Mortgage that I was already covered by XXXX XXXX XXXX under Policy XXXX. I also notified then that I had established a payment plan with XXXX XXXX XXXX, and I didn't authorize them to use my escrow account to pay this policy. This was stressed in multiple occasions when the Insurance department was contacted to report the irregular activities 6. On XX/XX/XXXX, despite the multiple communications and conversations held with the Insurance department, Nationstar issued a payment to XXXX XXXX XXXX.The payment was made via a bulk check for the amount of {$1100.00}. 
7. On XX/XX/XXXX, I contacted Nationstar to express my disappointment, and they offered me to have patience. 
8. As a result of these irregular, irresponsible and unauthorized payments, my escrow account is in deficit. As of XX/XX/XXXX, the balance in y escrow account is : - {$1800.00}. 

What kind of company manages customer 's mortgage escrow accounts as above described? 

How can a Mortgage company pay to two different insurance companies within two weeks ( XX/XX/XXXX and XX/XX/XXXX ) for the same property without contacting their customer and without taking in consideration all the conversations that had been held regarding the subject?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Made XX/XX/XXXX mortgage payment to Ditech mortgage but was {$72.00} short due to escrow changes. Mortgage company is charging {$51.00} late fee ( which is 71.15 % of amount of shortage ) and threatening to report a late payment to the credit bureaus if {$120.00} is not paid by the end of XX/XX/XXXX. Other mortgage companies ( XXXX XXXX XXXX and XXXX XXXX XXXX ) have allowed me to make up the escrow shortages in the next month 's payment without a late fee or late payment reported to the credit bureaus. I called Ditech mortgage customer service on XX/XX/18 and spoke to representative ( XXXX ) after receiving mortgage statement in the mail. The statement shows the {$1100.00} payment that I made was " suspended ''. The representative confirmed that the principal and interest payment was made and received on time but was short on the escrow amount. My complaint is a 71.15 % late payment fee is excessive and not consistent with other mortgage companies and my payment is " suspended '' but yet they have my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: IL

Complaint narrative:
XXXX XXXX has repeatedly failed to delete old accounts on my Credit Report such as XXXX XXXX  that is over 7 years old and was first reported as delinquent in XX/XX/XXXX. They also have listed the same accounts multiple times. I have two loans with XXXX XXXX but on a recent inquiry that listed the accounts 4x each. The inquiry was on XX/XX/XXXX at XXXX XXXX. They have also listed XXXX XXXX as an adverse account when it was in fact paid in full by XXXX XXXX in XX/XX/XXXX. That account also needs to be deleted.

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 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I filed Chapter XXXX bankruptcy protection for the Southern District of Florida, case no. XXXX. On XX/XX/XXXX, was discharged. Under the Bankruptcy code when a debtor is discharged is not the end of the Bankruptcy because until the case is close, particularly in Chapter XXXX  case, the bankruptcy trustee remains the legal owner of all asset which are property of the Bankruptcy estate. Although the Bankruptcy case is currently open Select Portfolio Servicing employed debt collector XXXX XXXX XXXX XXXX XXXX to acquire a sale date from the court. This action is prohibited under the Federal Bankruptcy Code. Both, Select Portfolio and their debt collector are in violation of Federal Bankruptcy Code. The Bankruptcy code supersedes any state order and in particularly when the debt is currently owned by the US Trustee and the Federal bankruptcy Court. SPS is also in violation of Treasury Rules in regards to the sale date. We are being reviewed for a loan modification therefore all Treasury rules apply. Under treasury rules servicer may not request a sale date until the debtor is reviewed for mortgage request and was notify to either approval or denial and in the event is denied, the sale date may not be conducted until the debtor has a chance to an appeal. SPS violated such rules and are subject to sanctions. The CFPB has jurisdiction of Federal Rules therefore must sanction the named parties for violating Federal Rules that shall be respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: IL

Complaint narrative:
I monitor my credit to prevent fraud. From XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of 1970, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by 150 points in a month. I have included a plot of the data. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XXXX XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AP

Complaint narrative:
Bankruptcy has incorrect dates

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 2018-05-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I monitor my credit to prevent fraud. From XX/XX/XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of XXXX, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by XXXX points in a month. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XX/XX/XXXX-XX/XX/XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.

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 2018-05-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a total of 15 hard inquiries reported by equifax of the following I do not recognize or gave permission for these companies to pull my credit XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX JXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP

Complaint narrative:
Bankruptcy has incorrect dates

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