vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Also refer to pending CFPB Complaint # XXXX. 

After the death of my spouse in XX/XX/XXXX, I discovered that Navy Federal had blocked me from any access to mortgage information. Their justification was that since the initial mortgage processor, XXXX XXXX, deleted my name from the account because it was my husband 's VA guaranty certification that was being used ( not mine. ) I continued to research the issue, including determining that a previous VA-related mortgage with Navy Federal under the same circumstances maintained my status as a co-borrower. I recently located the loan documents for the current loan that Navy Federal personnel have blocked me from and which Navy Federal has refused to include in my credit report for on-time payments since XX/XX/XXXX. The certified/recorded loan documents, including the loan, Deed in Trust and VA addendum all contain my initials, my typed name and my signature in addition to my signature as attorney-in-fact for my husband. 
Navy Federal personnel for four months have refused to acknowledge or repair the damage from their failure to process or service the mortgage documents properly, including credit reporting on my file and providing online and all other access to the current mortgage. 
Over these months, not one of fourteen online and branch employees-including the 'Survivor Relations Counselor ' could be bothered to even research the documents that clearly illustrated Navy Federal 's error. 
It was easier for all personnel, especially mortgage supervisors, to threaten and pressure me to apply for a new mortgage instead of the VA-directed correction of a surviving spouse assumption. 
There is no excuse for such systemic, corporate-approved deliberate negligence and misfeasance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
I never received correspondence from Exeter Finance after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. 

I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from XXXX XXXX sent a letter stating a {$5300.00} was owed on the vehicle, but is Exeter Finance reporting to CB that over $ 8k is still owed on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: IL

Complaint narrative:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I  received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX, Bank of America VP patently denied our ( The XXXX, Re-Fi Loan No. XXXX application based on erroneous information. We refute the denial of Action Taken on the basis of : alleged garnishments ( there are none in our credit history ) ; no repossesion actions ; no delinquent past credeit obligations in the last 12 years. 

The BOA low-balled our property appraisal : XXXX XXXX XXXX XXXX XXXX, Ga, XXXX. I have evidence of more appropriate FMLS appraisals that I sent these people..several times. I have numerous 'run around the flag pole documents ' tax returns, home-based business documents, bank accounts, etc. 

Let me cut to the chase..These uncaring community-busters chose not to work with us in year XX/XX/XXXX-XX/XX/XXXX ; we successfully were approved for the Chapter XXXX bankruptcy..paid off all of our obligations..and have maintained stellar credit posture since Year XX/XX/XXXX. If they had only worked with us in Year XX/XX/XXXX-XX/XX/XXXX, we would not obviously not be at a loggers head. We have a XXXX FICO score and getting better. BOA wants to punish us..'too big to fail.they have not learned yet that taxpayers bailed them out! '

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 2018-05-30 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: IL

Complaint narrative:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I  received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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 2018-05-30 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: IL

Complaint narrative:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
The creditor I owe ( XXXX XXXX XXXX XXXX XXXX. ) was called prior to charge off and told to cease and desist all phone calls but it was made very clear that I wanted letters. It was also made very clear that on both accounts the cease and desist must follow the account when it charges off. on approximately XX/XX/XXXX I called the law office of XXXX XXXX XXXX I talked to the collection department XXXX XXXX XXXX XXXX XXXX explained that my wife took very il and will not be able to work for some time that's why the accounts were not being paid. I offered to make a very small monthly payment of XXXX a month on each account he told me " there is no way he will agree to terms like that " He placed me on hold came back to the phone and stated " if I have any request send them in writing " then he hung up on me. My complaint is that I never was given the opportunity to dispute the validity of the debts ( the amount owed ). IN the beginning og XX/XX/XXXX I called again I was transferred to the department that handles my accounts when they realized it was me they immediately hung up on me. CLEARLY MY RIGHTS HAVE BEEN VIOLATED. I DID SEND IN WRITTING A REQUEST FOR VALADATION OF THE DEBT 'S NO ONE HAS SENT IN ANY VALADATION! I wish the CFPB would pull the tape recording for all my calls then you will see that I speak the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have attempted to get debt validation from this company in XX/XX/2017 to no avail no validation was sent. I am filing this complaint after recently obtaining my credit reports from XXXX, XXXX, and XXXX. I believe the debt to be invalid and I am requesting and have requested in the past that this be rectified. I have yet to be provided with the following information : 1. Evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.What is their authorization of law for their collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Provide evidence/proof of the alleged debt including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is a consumer credit reporting agency I had never heard of until I applied for a loan. My credit score is not perfect, but its also not as low as this site is reporting. Theres no way to file a dispute online without giving all my most personal information. It seems as though other people have also run in to this problem. It seems very suspicious. As I trust the three major credit bureaus vs one that I never knew existed until today.

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 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have my mortgage through Citizen 's one home loans. I also have an escrow account with Citizen 's Home Loans for the purposes of pre-paying taxes and insurance premiums. I understand this to be standard practice for those who wish to participate in such a setup to avoid late payments. I would like to handle payments of taxes and insurance premiums on my own and have requested to close the escrow account. Citizens One bank responded to say they would only close the account if I pay an escrow waiver fee of .25 % of the outstanding principal amount of the loan. This waiver fee is not in the closing disclosure and no one from the bank ever made mentioned of it.

Citizens bank has not provided sufficient documentation on escrow waiver fees. In the attached loan disclosure, the escrow waiver fee is left off as blank. It clearly states the following : " In the future, your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account, but if you do, you must pay your property costs directly. If you fail to pay your property taxes, your state or local government may ( 1 ) Impose fines and penalties or ( 2 ) place a tax lien on this property. If you fail to pay any of your property costs, your lender may ( 1 ) add the amounts to your loan balance, ( 2 ) add an escrow account to your loan, or ( 3 ) require you to pay for the property insurance that the lender buys on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. '' I have reviewed the entire loan disclosure and do not see ANY mentions of an escrow wavier fee that would apply if I were to chose to close the escrow account. As a consumer, I feel cheated and taken advantage of. The escrow account was " conveniently '' opened on my behalf because I originally thought it was a free service provided by the bank so that I would not have to worry about paying extra bills. However, I am now discovering that I am being held hostage to to this " convenience. '' This practice by Citizen 's bank is unethical and is definitely not the right thing to do. If there was a fee to cancellation of this service, then it should have been disclosed in the closing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: MO

Complaint narrative:
I never received notification from the company prior to them reporting to the credit reporting agencies. I just received notifications that a new collections account was added. My address has not changed so there was no reason why I was not given proper notice and given a chance to proper dispute the debt. I have sent letters to the company twice with no response. The last letter sent on XX/XX/XXXX was for a cease and desist because I would prefer to deal with the original creditor. No response. They company has 2 different address and I sent the same letter to both addresses so that I can make sure they received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Komyatte & Casbon, P.C.
State: IN

Complaint narrative:
This law firm and collection agency does not comply with FCRA regulations. They have failed to validate the debt as allowed to the debtor under 15 USC 692 ( g ) Section 809 ( b ) but has attempted to collect the following balance of {$1000.00} and {$2500.00} ( two separate accounts ). There is no question that they have willfully violated my rights repeatedly tried to collect debts beyond the state statutory limits. This company has refused to validate the debt and HIPAA authorization as I have requested the following : - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me They have been reported to the state and federal agencies that provide regulatory and enforcement oversight. Confirmation of the previous credit reporting date - beyond 7 years - has been provided to credit reporting agencies.

Finally, they have refused to acknowledge the fact it is an illegal attempt to collect a debt that is beyond the statue of limitations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: J. Mark Heldenbrand PC
State: AZ

Complaint narrative:
Recently, I received a letter demanding an unknown amount of {$3600.00} be paid on an old account that was vacated as paid in 2013 for the same account. This letter provides false information as a threat to issue a judgement.

Under law a matter can not receive a double judgement for the same account. This would create multiple judgments for the same account known as Res Judicata. My consumer rights have been falsified with improper information and unnecessary threats to harm my credit. I request a complete investigation into this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
Aspen National Collections is used by certain Timeshare companies to collect annual dues. Our annual dues for XXXX XXXX is about {$1500.00}. The dues are normally due in XX/XX/XXXX, but we couldn't pay them until XX/XX/XXXX. We made a payment to XXXX in the first week of XX/XX/XXXX. AFTER we made the payment, we received a notice for over {$1800.00} from Aspen National Collections. The day I received it, I called them right away and told them that this was a mistake, that we had already paid the debt. They said it didn't matter. We still had to pay {$1800.00}. I told them that I was sorry but I already paid the debt and I'm not paying it twice. 

Today ( XX/XX/XXXX ) I received a collection notice from Aspen that we owe them {$280.00}, which includes {$6.00} in interest. This collection is for their " fees. '' The fact remains that we paid the debt we owed to the timeshare company and we paid it directly to the timeshare company. And they accepted the payment. Now Aspen is asking for " fees '', but they did not collect the debt. The timeshare company did. So how can they be owed a fee? The Creditor is listed as the timeshare resort. How can the timeshare resort be asking for more money if we have already paid them? 

I am making this complaint in an effort to stop this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: TN

Complaint narrative:
I tried calling Discover Credit Card services to find out how they calculated my monthly interest rate. I know that it is now calculated based off 2 factors : your daily periodic rate and your average daily balance. I could not find out how they came up with the amount they provided for my average daily balance and called customer service for assistance. They could not provide how they came up with the number and I asked to file a claim. She said she would express my issue with someone higher up, but I still dont know how they came up with the amount and it was never explained. I will be looking further into my other credit card companies as well to see if it possibly exists beyond Discover. I just got off the phone with Discover as soon as I began writing this complaint. I believe millions of customers are being get XXXX XXXX by credit card companies and have been for longer than Id like to think. When they charge you an interest rate, it should be clearly explained on how that number was calculated. And I fee that you use be able to use the same formula, plug the same numbers they used, and get the exact same amount they did. If you cant, somethings wrong ; which could possibly mean they are overcharging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have done my research on this collection company that is reporting to my Credit Reports that I owe a debt, and in my findings I discovered via The California Secretary of State that XXXX XXXX XXXX is not, nor have they ever been bonded in the state of California to do business and/or collect debts. So i have questions : 1. What is your authorization of law for your collection of information? 2. What is your authorization of law for your collection of this alleged debt? 3. Can you evidence your authorization to do business or operate in this state?

Company response to consumer: Closed with non-monetary relief