vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 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: NJ

Complaint narrative:
I applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA

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 2018-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
Company gave me a payday loan in the amount of {$950.00}. I have paid a total of {$1100.00} which includes interest that I was illegally charged. I missed one payment and was trying to work out a payment plan. In the course of trying to contact them, I discovered this company has no license to do business in California ; further I received correspondence from this company stating they do business from XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I had an outstanding balance owed to XXXX XXXX, located in XXXX, TX. I went to the apartment community, and arranged a settlement with them to resolve the outstanding balance back in early XXXX of 2018. I am attaching a copy of the arrangement that was made, as well as the proof or payment/receipt, to show the debt was resolved. You can confirm the resolution of this debt with the apartment manager. Her name is XXXX XXXX, and her phone number is XXXX. 

A collection agency named IQ Data International is reporting to XXXX, XXXX, and XXXX XXXX, that I still have an outstanding balance owed to XXXX XXXX. I have tried for four months to get this collection agency to report this debt as resolved, or remove the account from my credit report ; but they refuse to do so. I am also attaching a snap-shot of my XXXX credit report as of today ; which shows that they are still reporting the debt as unpaid. 

I am calling upon your organization to help correct this situation.

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 non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
My loan was transferred to Rushmore Loan Management Services. I have a credit score over 800 and have never had a late payment. 
The website seems to be tailor made for people to make late payments. They say they have automatic payment scheduling, yet when I try to do that, I get a message saying " Not Available. '' When I try to sign up for electronic reminders, there is no actual link : It is a bait-and-switch " We encourage you to also GO GREEN by signing up for paperless documents! Receive email notifications when your statements are ready to view, versus paper statements in the mail. Sign Up Today '' no active link to actually sign up for reminders. 

They do not give information about when my payments are due. The website says my next payment is on XX/XX/18, but I've already made that payment and it does not show when the next payment is due. It's XX/XX/18 already. 

This company should not be allowed to deal with servicing, they are not capable. Their business model appears to be to make it as hard as possible to pay your bill on time. I am financially literate and I find this difficult, I can only imagine how others navigate this. 

Rushmore 's business practices verge on criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: ME

Complaint narrative:
Every week for the last two months or so I get a robocall from Harris & Harris Ltd., a debt collection company. The phone number they leave is XXXX XXXX. Since I have no debt and a credit rating above 800, I find this very annoying. I noticed on the internet that other people have been similarly harassed. I would like them to put a stop to this harassment. Please help. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Grant & Weber
State: CA

Complaint narrative:
On XX/XX/2018 I received a collection notice from Grant & Weber , Inc collecting on behalf of XXXX XXXX, XXXX, a physician from whom I have never received services. I sent a letter dated XX/XX/2018 requesting validation of the debt. I never received debt validation nor a response to my letter at all. I gave the traditional 30 days to respond and they did not. Instead, on XX/XX/2018, Weber & Grant , Inc reported this debt as a collection account to XXXX, thus damaging my credit, with no proof of validation of the debt prior to reporting. My letter to them is attached.

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 2018-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I have been paying on a student loan since XXXX. My wife and I are both XXXX  in XXXX XXXX XXXX  from 27 years. ( I retired last year as a XXXX and went back to XXXX in another state ). The amount was originally I think around {$32000.00}, I have copied and pasted below what is currently on my servicer 's website and it goes backwards from current to XXXX. I have been making {$330.00} per month payments on this loan since XXXX and currently owe MORE money on it than I did when I started??? I don't understand why this loan is not paid off yet? When I've asked questions, I am told it's because it is not a direct loan so it can not be forgiven. I was told by the current servicer ( Nelnet ) that I would have to " first be consolidated into direct loans to qualify as it is a direct loan program. '' and that " unfortunatey if the loan would be transferred, you would have to start over and make ANOTHER 120 payments and work for ten MORE years!!! My wife is XXXX and I am XXXX. I am trying to understand how this could happen to us, could you provide us with any answers?? I feel that i have been a victim of some kind of predatory lending as my service transfers me to other companies all the time and then apparently I didn't realize I had to start over on the ten years? and it wasn't even my choice, they just transfer it. Please advise if you could help me in any way. 


XXXX XXXX XXXX ' XXXX XXXX and Below is my account information : Account : XXXX Current Balance : {$38000.00} Past Due Amount : {$0.00} Current Amount Due : {$330.00} Payment Amount : {$330.00} Due Date:XX/XX/XXXX Group : C Due Date : XX/XX/XXXX Fees : {$0.00} Status : REPAYMENT Interest Rate : 5.250 % Accrued Interest : {$15.00} Last Payment Received : {$110.00} on XX/XX/XXXX Outstanding Balance : {$13000.00} Principal Balance : {$13000.00} Loan : 3 Due Date : XX/XX/XXXX Loan Status : REPAYMENT Loan Type : CONSOLIDATION Interest Subsidy : Subsidized Original Loan Amount : {$19000.00} Interest Rate : 5.250 % Accrued Interest : {$15.00} Capitalized Interest : {$0.00} School Name : Lender Name : NELNET ACADEMIC LOAN Principal Balance : {$13000.00} Convert to Repayment : XX/XX/XXXX Disbursements : {$10000.00} on XX/XX/XXXX Disbursements : {$8500.00} on XX/XX/XXXX View Benefits Group : D Due Date : XX/XX/XXXX Fees : {$0.00} Status : REPAYMENT Interest Rate : 5.250 % Accrued Interest : {$29.00} Last Payment Received : {$210.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
We have reached out to Freedom Mortgage several times regarding the Private Mortgage Insurance placed on our mortgage loan. Every call has been recorded according to their disclosure with the initiation of our conversation. Our current Loan to Original Value Ratio is 78.8 %. We have had two conversations with their mortgage brokers where we were told that we could send a letter to request the  removal of the PMI, but it really wasn't necessary because it will drop off in " XXXX '', which is in 2 months. So we sent the letter and was told that we have to have another appraisal. This costs {$500.00}. Our thought process is why should we have another appraisal when we have two months left? We can use this money toward our principal. Well after several more conversations : XX/XX/XXXX I spoke with ID # XXXX and was disconnected. I called back and spoke with XXXX @ XXXX on a recorded line. I was told " qualifies for PMI removal scheduled to drop off by self. '' Loan meets 2 requirement. Then he stated we had to be @ 75 %. 
They are not providing a logical reason to us that makes sense for why we are still having to pay PMI. Our original disclosure statement for PMI states that the PMI will automatically terminate when it reaches 78 % .They have this date scheduled. However, even if we reach 78 % prior to this scheduled date, they refuse to drop the PMI without an appraisal, which is not listed in the section discussing automatic termination.Today I called and spoke with XXXX ID # XXXX, she refused to allow me to talk with some in PMI and said that they do not take direct calls. I then was sent to her supervisor, XXXX ID # XXXX and was told that the PMI would not be removed before XX/XX/XXXX without an appraisal. We are not sure of why we had to have PMI in the first place because we put down over thirty thousand dollars when we bought this house. Please help. Thank you.

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 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
on XX/XX/2018 I received my response back from credit acceptance from the cfpb and credit acceptance stated that I agreed to settle my account 50 %, I didn't agree to that, credit acceptance need to send me proof of this,,, because I was informed the car was paid off, that's how I got my title .... send me proof of me singing the offer, because I don't recall accepting that offer,,, the car was paid off,,, please remove the account from my credit file,

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 2018-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: PA

Complaint narrative:
Ive paid a total amount of XXXX to XXXX XXXX. My payday loan was only for XXXX. I contacted the company about taking funds from my account and they said I was supposed for pay off interest. The amount I paid already is double the amount issued and there still trying to get money from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: TN

Complaint narrative:
It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
as a result of going to emergency room i end up owing {$390.00} which i paid all in 5 payments of XXXX, {$40.00} {$100.00} {$100.00} and {$120.00} directly to XXXX XXXX XXXX of XXXX Florida last payment on XX/XX/18, after i check my credit report i found a coleection as AR Resouces Inc # XXXX with a balance of {$120.00} in collection, i called they cant find me, i disputed the rsult was verified as accurted i called again the company teres no record of me they hang up onme

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ditech Financial LLC
State: FM

Complaint narrative:
I sold my house and while waiting for the closing date I was in contact with Ditech Financial LLC. They informed me that as long as the mortgage was paid in full by the end of the month that I would not be penalized. The closing occurred on the XXXX of XXXX. Payment was not wired to Ditech from the title company until the following day since the closing happened after XXXX EST on XX/XX/2018. 
Ditech was paid in full on XX/XX/2018 yet they reported me to the credit bureau as being 30 days late. This is preventing me from purchasing a house due to the drop in my credit score. 
I have never been late on my mortgage payment. I have contacted Ditech several times via fax and phone, yet they have claimed to not have complete records of such correspondence. I have hired a lawyer. 


Thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: TN

Complaint narrative:
It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete  all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.

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 2018-08-22 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: TN

Complaint narrative:
It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete  all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.

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 2018-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
My son, XXXX XXXX, was seen in the ER on XX/XX/2016. Although he was eligible for care our insurance provider at the time of visit, the billing company for the provider ( TeamHealth ) did not process his claim through our insurance provider. I was never contacted regarding this claim as the medical billing company entered my information incorrectly into their database. I was not aware of the debt until I saw a collection appear on my credit report over a year later. When I contacted the medical billing company, they verified that they had in fact mis-entered my name and address and my son 's date of birth and insurance information. The insurance provider ( XXXX XXXX XXXX XXXX XXXX ) has contacted both the medical billing company and the collections agency ( Wakefield and Associates/ XXXX XXXX XXXX ) to validate that XXXX was eligible for coverage at the time of service and that the claim needs to be processed through his insurance. The medical billing company and the collection agency have stated that they refuse to process the claim as the timely billing window has passed and they do not want to have write off the amount but, rather, expect for me to pay. This debt is consequence of an error on behalf of medical billing, has still not been processed through insurance, and is not my debt. 

I submitted a debt validation letter ( attached ) and was provided with a bill ( attached ).

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 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received an offer for XXXX points for opening a Citi Priority Checking Account with the stipulation I make consistent bill payments and a large purchase with my debit card within a certain period of time. I opened the account and funded with {$500.00}, and over the course of the next week, also deposited an additional {$300.00} check, {$500.00} check, and {$2300.00} cash, which would have covered my bill payments, large purchase, and some left over. 

Following this, I learned I was unable to use any of my funds and all transactions, transfers, and bill payments were being denied. I used both online chat and called several times, speaking to a manager last, who all said I could not access my money because a check needed to be verified. However, I rebutted that cash must still be available for me to withdraw since it was a non-suspicious amount and regulations required it to be available, but they insisted that the one check on hold meant they could hold my entire balance.

I asked if they could expedite and they said no. I asked if I could verify the information on the phone and they said no. I asked why my cash was unavailable and I kept getting an answer that my check was on hold, and no funds would be available until XXXX. 

Then I asked to close my account, and they refused. 

It seems as though Citi lured me with a marketing offer, and is now refusing to let me use any and all of my money as my online account and card are locked. I can not withdraw my money to pay these bills, and can not access my funds in any way.

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