vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
First Disputed this debt on XX/XX/XXXX with all XXXX credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Midland Credit Management ( Also known as Midland Funding LLC ) has been reporting on my credit and fails to provide proof of my obligation to this alleged debt which has been requested two times already. They have sent me a a spreadsheet with an account # and balances dating back to XX/XX/XXXX.To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see signed contracts saying that I am liable for this debt and that Midland has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Midland Credit Management they state " In response to your dispute, we have requested that the XXXX major credit bureaus change the status of this account to " disputed '' Your credit report will not be updated if the federal reporting period has expired. '' Is this a threat from Midland Credit Management to keep this negative information on my credit for as long as they would like??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: GA

Complaint narrative:
I chose to pursue my  XXXX  and  XXXX  education in NYS, and then chose to work in jobs that serve our  XXXX  and   XXXX   XXXX   ( 501 ( c ) ( 3 ) ). In pursuing my degrees, I had to apply for federal student loans, originally through   XXXX   XXXX  , then Navient took over. Over the course of time, I was advised to consolidate my loans ( into two accounts : subsidized and unsubsidized ), During this time, and over repeated verbal contact, I repeatedly asked and continuously affirmed ( verbally via phone ) that the payment statuses and consolidated payments I made were applicable toward the Public Service Loan Forgiveness Program. Now I 'm told that the statuses and payments I 've made, during service to the communities I 've faithfully served, do n't count. I 've documented my contact with Navient, who of course, subsequently deny their representatives ' statements and I assume they 've omitted such documentation from their records. As an info systems professional, I 'm not surprised they think their denial is incontrovertible, yet they acknowledged employing people I identified during the time frame I describe below : For example, Navient employees advised, on or about ( includes, but not limited to  ) :  XX/XX/XXXX   : I was advised that none of my payments were applicable ; they apologized because this was a common complaint and they would only offer to " retrain/re-advise '' their employees as to how to advise customers.
  XX/XX/XXXX  :  per  XXXX  - advised me that income sensitive repayments were applicable to public service loan agreement .  XX/XX/XXXX   : per  XXXX  - advised me that income sensitive repayments were applicable to public service loan agreement.
As stated, I did my due diligence, in good faith, and was repeatedly advised and understood that from the inception of the public service forgiveness program until   XX/XX/XXXX  that all my payments/payment status were eligible and applied toward the public service loan forgiveness program. On  XX/XX/XXXX  I reach ed out to an agency representing the public service loan forgiveness pr ogram, MyFedLoan.org, and was advised that my status and all the payments that I 've made on my consolidated loans are no t eligible for the program. A follow up call to Navient resulted in one of their supervisors acknowledging the error, confirming that I 've been " misinformed '' all these years, apologizing, and stating there was nothing they can do but advise their employees to provide the correct information from this point forward. Their recommendation was for me to re-consolidate and restart the 120 payment ( 10 year ) from scratch. Combined loans excee d   XXXX   XXXX  . To date, I  continue to dedicate myself to public service, particularly and proudly serving those who are " Always Ready Always There, '' who are often most likely to deploy to defend us all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST GUARANTY MORTGAGE CORP
State: KY

Complaint narrative:
XXXX  FGMC   decide not to pay my flood ins  policy because they said the flood zone in was optional I was in a flood zon e  XXXX . FEMA a nd the USDA  require me to have flood ins. I pa y for the policy at closing and my first lender also require me to escrow flood, taxes and home owners ins. Since  XXXX /FGMC did n't renew my policy the cost of flood ins has gone from {$430.00} a year to around {$1300.00} and I do n't even have the same coverage. I close on my  on  XX/XX/XXXX  and found out they did n't renew my policy until  XX/XX/XXXX . This has cause my house payment to go up {$200.00} right now and could be even more in the comin g years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America is denying my use of credit for internet purchases. My  credit score  is   XXXX .  On   XX/XX/XXXX  B  ank of America called and told me a fraudulent overseas purchase was made. Reference  XXXX  for   {$75.00}. My account was credited. I then discovered another fraudulent charge on    XX/XX/XXXX    reference  XXXX  for {$11.00} for  XXXX . I never used  XXXX . My account was credited. Since    XX/XX/XXXX , I    have been unable to make internet purchases. M y   XXXX   XXXX   was cance lled and my internet was almost cancelled. I called Bank of America  10 times and was told falsely that it was the merchant and not Bank of America. I was issue  d 4 new c redit cards because Bank of America could not competently resolve the issue. I then received a letter o n  XX/XX/XXXX  fro m  XXXX   XXXX  phone number  XXXX  ext.  XXXX  and she admitted that Bank of America was denying me credit. " Due to an inadvertent error, instead of the stop pay only being submitted for the  XXXX  merchant, it was submitted for the majority of internet merchants. Therefore, Bank of America never received these authorizations fro m   XXXX   to app rove them. '' On    XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX   ,  XXXX  refused and denied my internet purchase.  XXXX   XXXX  from Bank of America refuses to respond to 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 2017-05-05 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: CA

Complaint narrative:
XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be  liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly i nvestigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against   XXXX   XXXX    & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: CA

Complaint narrative:
XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations  [ 15 USC 1962e ]   As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or i n-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against Equifax,  XXXX  &    XXXX   for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: CA

Complaint narrative:
XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may  be liable for your willful non-compliance, as per FD CPA 807. False or misleading representations [ 15 USC 1962e ]   As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against  XXXX , Experian &  XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo  closed my card down for some bogus reason that it was n't me that applied for the card. Though I went into the branch when I signed up and they made me go into the branch and give my ID  three times .   I have    XXXX   XXXX   cre dit from a payment to my card that wells fargo refuses to send me a check for.   I 've called  100 's of tim es to get my money back and  no one will   help. This is going on for 4 months. I am late on my bills because of it.   I have no other choice WILL have FILE A LAWSUIT AND MAKE COMPLAINT WITH THE attorney general for  wells fargo  illegially holding my funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for {$1.00} credit report with Experian. Little to my knowledge it was a 7 day free trial. I called and complained and was on hold for over an hour. They were charging me {$21.00} for something I did not need. They only refunde d a one m onth subscription and canceled my membership. When I looked online there are over a  thousand  complaints just like mine. Please put an end to this practice and tell people not to do business with Experian.

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 monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is a loan service company, my school I attended has shut down, and I thought was loans would be discharged, why some of my classmates have had there 's discharged, because the school was giving out false information we where not nationally accredited, so I trying to get this resolved and off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX     Ref : Account  XXXX  To whom i t may concern , This letter is to file a formal complaint against Citibank. Let me start by saying that when I first opened this account 2 years ago I was never explained how the line of credit would worked, which caused an issue for me as I began to accrue charges on my account. Sometime around   XX/XX/XXXX  I called customer service and inquiry about the balances showin g on my bank statement. This customer service Representative assure me that I did not owe any money that the balances on the statement was the money that I have. Today when I received my bank statement I called the customer service and find out that in fact I had a {$1100.00} balance on this credit line which I have been charged interested since  XX/XX/XXXX , as well as {$10.00} transfer fee for each transaction. I had money on my savings account and I asked why the money was not taken out of the saving account to cover these fees instead of continuing to charge me interest for almost a year. I do not believe the charges are fair. I hope that this could be investigate and resolved. I paid all of the balance so that I do not have to pa y 16 %   interest anymore.     Sincerely,  XXXX   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 monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt  was   XXXX   XXXX   XXXX   XXXX , and they appear to have sold it to Kansas Counselors, account was opened in  XXXX  therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: FL

Complaint narrative:
I have a charged off account with  XXXX   XXXX   XXXX   XXXX . I contacted them to pay this balance and they told me I could not. That they had cancelled the debt and there was no balance to pay. Acct  Number   XXXX  I disputed this with   XXXX   and Experian to remove the balance and the balance remained after the debt. My  credit score is  being artificially lowered by a balance that I can not even pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 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: CA

Complaint narrative:
XXXX   XXXX   XXXX   did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDC PA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating  within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against  XXXX ,  XXXX   &  TransUnion for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   XXXX   did not reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: CA

Complaint narrative:
XXXX   XXXX   DELAWARE did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCP A 807. False or misleading representations [ 15 USC 1962e ] As  they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other act ion ( o r in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against Equifax,   XXXX    &  XXXX  for not investigating nor responding to me as well, and taking no action when  BARCLAYS  BANK DELAWARE did not reply.

Company response to consumer: Closed with explanation