vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
COLLECTOR IS COLLECTING A DEBT DISCHARGDED IN XXXX  XXXX, CEASE AND DESIST COLLECTIONS AND CEASE COMMUNICATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: MD

Complaint narrative:
My mortgage was with XXXX. In an letter dated XX/XX/2019, XXXX undertook an escrow analysis and indicated that my new mortgage payment would be {$3800.00} starting XX/XX/2019. In XXXX of 2019, BSI Financial purchased the loan from XXXX. I made timely payments to BSI Financial and in XXXX of 2019 pursuant to the letter form XXXX began payments of {$3800.00}. BSI has refused to recognize these as payments in full and claims I owe {$400.00} per month more. BSI claims that the new lower payment of {$3800.00} will begin in XXXX of 2019 with no explanation of why the Roundpoint letter/date was invalid. 
I have filed 2 requests on-line with BSI to investigate this matter and have received no response. As follow up to a call from BSI, I emailed BSI the XXXX letter indicating the new payment amount ( {$3800.00} ) and that that payment began XX/XX/2019. I received no response. 
BSI has called me 3 times and in each case I have asked for a response in writing. I have received nothing from them in response. In a recent call BSI suggested that I make payments of approximately {$800.00} to them now that they would refund in XXXX. I noted for them that this sounded like a scheme and I would not be making the payments and accept a refund unless they proposed that to me in writing. To date I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have tried unsuccessfully two times on-line to request my free annual credit reports from the three companies. It apparently requires me to download and print the reports online. I try downloading the report, it dumps me out of the system.

Also, the last credit reports I requested, approximately 3 years ago, received only 2 of the 3 I requested. At that time I got the 2 reports via mail. Why can't I get the reports by mail now?

I was using the " free credit reports '' website referred by FTC.com

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have tried unsuccessfully two times on-line to request my free annual credit reports from the three companies. It apparently requires me to download and print the reports online. I try downloading the report, it dumps me out of the system. 
Also, the last credit reports I requested, approximately 3 years ago, received only 2 of the 3 I requested. At that time I got the 2 reports via mail. Why can't I get the reports by mail now? 
I was using the " free credit reports '' website referred by FTC.com

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 2019-07-30 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: UT

Complaint narrative:
XXXX XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX****XXXX are reporting duplicate line items to XXXX ; XXXX and Transunion a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: UT

Complaint narrative:
XXXX  XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX are reporting duplicate line items to XXXX ; Experian and XXXX  a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received an IRS notice CP01E, informing me that my SSN had been used by someone to " obtain employment. '' I had put a freeze on all three credit-reporting-agency accounts and wanted to get a credit report from each agency to ascertain that the freezes were in place. I had no problem getting online versions that I printed from Experian and XXXX. However, XXXX  ' website informed me that my credit report was not available online and that in order to receive a hard copy, I had to fill out and submit its form. The very personal information the form seeks includes copies of my Social Security card, pay stub with SSN and W2 Form. In addition, I am to provide my driver 's license, rental or lease agreement/house deed, pay stub with address, utility bill ( gas, electric, water, cable, residential telephone bills ).

In light of my already compromised SSN, I am not about to send the requested information through the mail. This is a new, unwarranted burden that Experian places on consumers. I obtained last year 's report on line from all three agencies. Please help me and others to get the annual free Experian credit report on line. 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 2019-07-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have requested many times not only verbally but in writing not to contact me at work and Navient continues to do so. Now not only are they calling random numbers here at the XXXX XXXX where I work they are telling people they are a debt collector and they need to speak with me. Now they are contacting family members that I never put down as a reference who have nothing to do with my finances. And this week I am getting messages from people that I am XXXX friends with that only know me on social media and they are saying that they received messages from Navient trying to contact me. Enough is Enough! Isn't this illegal? How do they have the power to go into someone's family and social media and contact people to make me look bad. Please stop this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a notification on Saturday XXXX XXXX that my Equifax credit score dropped 70 points because of a medical collection was added to my Equifax credit report. The collection was from  XXXX XXXX XXXX for the amount of {$300.00}. The original creditor was XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX  by phone on monday XX/XX/2019 morning at XXXX XXXX  CST and spoke to XXXX XXXX. I made her aware that the collection was not valid and that debt had already been paid to XXXX XXXX XXXX XXXX. XXXX XXXX told me that indeed were in contact with the hospital and were aware the debt had been paid and that they would be sending a Deletion Letter to all the credit bureaus informing them to remove the collection off of my credit reports. This has still not been done. XXXX still has not sent the deletion letter, and they will not return my emails or phone calls. I than called Equifax and they told me there was notning they could do but wait 7 to 10 business days to remove the collection even though I had a deletion letter in hand proving it was wrong. I spoke to XXXX at Equifax, his employee number is XXXX. I told him I needed it removed immediately because it violated my FCRA rights and he again told me he could not do anything. These actions by both Equifax and XXXX XXXX  are in direct violation of my rights protected under the FCRA laws. This collection needs to be removed from all of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NY

Complaint narrative:
The items listed below do not belong to me and must be immediately removed from my credit report. 

1 ) XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX with {$0.00} Balance 2 ) XXXX XXXX XXXX Opened : XX/XX/XXXX with {$11000.00} Balance These accounts are reporting in error. I have filed a complaint with local authorities and the FTC. If they are not removed, I will file a civil suit against the credit bureaus for falsely reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have sent 2 certified letters requesting the validity of this debt they have yet to reply or give me my request for all accounts listed below. The dates the letters were sent XX/XX/XXXX & XX/XX/XXXX. They were both signed and returned stating someone signed for them at the company. I have left 3 messages for a supervisor no one has called me back. I have disputed this VIA XXXX they have not sent back the correct information. ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: AR

Complaint narrative:
ONCE AGAIN XXXX XXXX XXXX XXXX IS PERMITTING XXXX XXXX XXXX TO FALSELY REPORT THIS ACCOUNT CHARGE OFF {$17.00}, XXXX. THIS ACCOUNT WAS SOLD/TRANSFER TO XXXX XXXX XXXX SEE ATTACHED.. WE FILED LAWSUIT CASE XXXX ON XX/XX/2019.

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 2019-07-30 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: AES/PHEAA
State: AZ

Complaint narrative:
I have two student loans with fedloan servicing. 

One loan is a direct unsubsidized of XXXX, XXXX  and the other loan is a direct subsidized of XXXX, XXXX On Monday XX/XX/2019 I called to pay off my direct subsidized loan of XXXX, XXXX. I spoke to XXXX ID # XXXX. My confirmation number for my payment is XXXX. I made it clear to XXXX I wanted to pay off my direct subsidized loan of XXXX, XXXX. He said he understood. He told me it would take 2-3 business days to process. 

On Wednesday XX/XX/2019 I checked my online fedloan servicing account and the account said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. This is not what I wanted. I wanted to pay off my subsidized loan of XXXX, XXXX  and just have one student loan ; my unsubsidized loan of XXXX, XXXX I called fedloan servicing one again On On Wednesday XX/XX/2019 I spoke with XXXX ID # XXXX. I informed her of my payment on Monday and informed her I wanted to pay off my subsidized loan. She said she would reapply the payment. She informed me this would take 2-3 business days to process. 

On Friday XX/XX/2019 I checked my fedloan servicing online account and it said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX  on my subsidized loan. I call fedloan servicing on Friday XX/XX/2019 I spoke with XXXX ID # XXXX. I informed her this was my third time calling. She said she would take care of the issue. I specifically informed her I wanted to pay off my loan of XXXX, XXXX which was my subsidized loan. I informed her I only wanted one loan of XXXX, XXXX which is my unsubsidized loan. She said she would take care of the issue. She informed me if would take 2-3 business days to process. 

On Tuesday XX/XX/2019 I checked my fedloan severing online account and it said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. I call fedloan servicing on Tuesday XX/XX/2019 I spoke with XXXX ID # XXXX. This is the 4th time I call and waste my time. I informed XXXX the issue. He now informed me it would take 15 days to resolve the issue. 

I am not sure what fedloan servicing is trying to do with my loans. I have called 4 times and the problem is not yet resolved. 

It is easy On XX/XX/2019 I wanted to pay off my direct subsidized loan of XXXX, XXXX  This did not happen. 

I will never ever go back to college and get a student loan again. 

BEWARE OF FEDLOAN SERVICING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Miller, Stark, Klein and Associates
State: ID

Complaint narrative:
Currently I am getting more and more calls from MSK and Associates, AKA Miller, Stark and Klein and Associates. It is the same company that I was called from before in regard to an attempt to collect on a debt that I allegedly owed. I confirmed with the representative I spoke with that this was the same company that attempted to call be before in XXXX and numerous other times that were extremely abusive and harassing.

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 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS Collections LLC
State: PA

Complaint narrative:
Modern Recovery Solutions posted a 10 day shut off notice on our door pretending to be XXXX Township Authority. I had no idea who I was calling or talking to until I asked. Their response " we're the company that handles all the deadbeats that don't pay their bills so XXXX Township Authority doesn't have to ''. I asked for a payment arrangement because I can not afford to pay the entire amount due ( I simply don't have the money ). Their response is, " rather than calling us for a payment arrangement you should spend your time finding friends or family to help you pay this bill ''. I can pay this bill over the next 4-6 weeks, I just can't pay it all at once. All I was asking for is a payment arrangement on a bill I had no idea was even past due, much less 10 days from shut off, much less placed with a shady and rude/condescending collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I received a collection notice in the amount of {$1400.00} USD from Fair Collections Outsourcing located at XXXX XXXX XXXX # XXXX, XXXX, MD XXXX on behalf of XXXX XXXX  in XXXX, Michigan. I received this notice by mail at my residence in NY on XX/XX/2019. I responded by phone on XX/XX/XXXX to get more information about the collection, at which time I confirmed the correct mailing address of my residence in New York. I did not believe the amount of collection was correct and mailed a letter indicating dispute of this amount on XX/XX/2019, as is within my rights under the Fair Debt Collection Practices Act. FCO was obligated to verify the debt before reporting the collection to my credit agency, but did not do so. A representative of FCO, XXXX, told me in a telephone conversation on XX/XX/2019 that the collection was reported to the credit bureaus on XX/XX/XXXX. This is less than the 30 days allotted for consumer dispute. In a recent telephone call with FCO a representative indicated that the verification letter that they sent was mailed to an address where I do not reside in CT, rather than my updated address which was given in XXXX. FCO proceeded to report the collection and failure of payment in the amount of {$980.00} to the credit bureaus without providing me with adequate verification in response to my collection dispute. {$980.00} is the correct amount of the collection, which was paid on the same day as I was made aware of the revised debt. As a result, my credit score fell significantly. Upon contacting FCO to notify them that their practices were in violation of the FDCPA they refused to delete the erroneous collection report that was forwarded to the collection bureau. I believe that it is injurious and malicious to have reported my collection before the 30 days that is allotted for a dispute, attempting to correct an amount grossly larger than the true debt, and refusing to correct a mistake that was reported to the credit 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 2019-07-30 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: TX

Complaint narrative:
Previously, I disputed that various collection accounts with Equifax as being inaccurate as these items are the result of identity theft. FCRA requires Equifax to verify the validity of these accounts within 30 days. If the validity can not be confirmed, they are obligated to remove it from my credit. Despite my attempts, Equifax continues to report unconfirmed, unverified derogatory accounts on my credit report. These inaccurate reporting is penalizing me unfairly and illegally. This is also causing me distress as it is severely damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Exeter Finance calls repeatedly from different numbers after Ive requested a legal signed documentation for said debt. Exeter continues to say go to dealership but in order to report or collect a debt they must have a legal signed documentation with my name on it. Ive requested that from them but never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to Transunion a collection in the amount of {$7500.00} on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) The open date of this account reports XX/XX/XXXX however there is no date of last activity reporting. The actual date of the last activity was in XXXX and this line item is being reported illegally to collections because the statute of limitations has expired. In Texas, the statute of limitations is ( 4 ) years. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.

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