vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Carbon County
State: IL

Complaint narrative:
Early XX/XX/XXXX i was taken to an emergency room in colorado via ambulance. 

At the time i was uninsured but was told i could be retroactively covered via colorados healthcare/XXXX. 

I applied and was accepted to the program within the time frame. It later went to collections and i was served with a summons to XXXX County Court in XXXX, Colorado by the collectors in XX/XX/XXXX. I filed a response and a motion for trial was set for XX/XX/XXXX. During that period i provided the plaintiff ( the collection agency and their representatives ) with a load letter officially stating i was covered for the costs incurred in XX/XX/XXXX. 

A motion for continuance was requested as they billed medicaid. On XX/XX/XXXX the case was dropped as the situation was resolved. 

In XX/XX/XXXX i checked my credit report via XXXX and noticed i had a collections appearing. This was part of the collection that was solved and should not have appeared. 

On XX/XX/XXXX at XXXX MST i submitted a dispute with the credit agency XXXX  including the letter saying my medicaid covered it, the official case dismissed paper signed by a judge, and the original summons complaint. 

On XX/XX/XXXX i was told the dispute was unsuccesful. 

" The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Because the collection agency still said i owed. I did not. 

Today, 1 year later from the end of the litigation the account still sits on my experian report. I called the agency and then they said " oh yeah it should be closed '' todays date is XX/XX/XXXX. 

I have been hurt severely due to this unjust appearance on my report. Seeing this false report lenders are rightfully skeptical of lending to me, and even if they do it is at astronomically high rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Seven medical bills that were in collection was paid in full over a year ago. These items still show on my credit report with major deficiencies to my credit rating hence I am unable to refinance my family home. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: IA

Complaint narrative:
Beginning XX/XX/XXXX-XX/XX/XXXX I made many attempts to correct this error reporting on my credit files with the 3 Credit Bureaus & was unsuccessful because my dispute results with the Bureaus came back as verified by the furnisher of the account within the last 6 months. So I decided to reach out to this creditor in XX/XX/XXXX & XX/XX/XXXX by sending them a Debt Validation Letter but they on both occasions sent me what looks like a contract with a typed name on it. Im disputing this because I never a had relationship with the collection agency nor the original creditor. They havent provided me with any viable piece of evidence that proves that I owe this debt, not a SIGNED contract with my signature on it or agreement to pay the said debt. I also would like to add that my identity was stolen & used on several occasions because I had lost my wallet on public transportation between the years of XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Quicken Loans, Inc. XX/XX/XXXX Complaint is about the company 's method of handling escrow shortages, and their refusal to keep my monthly payment the same, even after I paid the escrow shortage. 

I received a bill for an escrow shortage, and promptly paid the bill. Then I received another notice indicating that my monthly payment will still increase because of a future escrow anticipated adjustment. I agree to pay that amount now, so my payment could remain the same. 

I was told that this could not be done, and that if I wanted to keep my monthly amount the same, then I should look into a tax exemption or find a new insurance company with lower rates. This was because of a Quicken Loan , Inc. policy enacted in XX/XX/XXXX. Personally I think this is a financial fiasco dreamt up to keep more money in their pockets. 

There is no reason why I should not be able to keep my mortgage payment the same if I pay the escrow due amount. I am retired and on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Hello, I have recently received information from Navient about the terms of my last agreement with repayment. This is ONLY after they sold my debt to a collection agency. I have been requesting this information in WRITING for the last 4 years, multiple times and have submitted multiple complaints with the CFPB about this topic and never received WRITTEN proof of the program I was on. While I was on the program I logged into the Navient website and found no confirmation my interest rate was lowered to the .001 % interest rate promised, and from what I saw on the website the payments I made were less than what was owed and I was late Several thousand dollars. I also noted that though I had paid on time for over a year my debt owed had actually gone up, which seems odd for a repayment plan. I was also told at the very beginning almost 4 years ago, that this plan would PREVENT me from defaulting on my loan and I didnt find out till 3 years after that I was defaulted the entire time and the only way out was to pay the loan in full, which was impossible at the rate I was going as my payments were not lowering my amount owed even after 3 1/2 years of paying {$250.00} a month. I Can not consolidate this loan because no lender will recognize my school, and Sallie Mae/ Navient at no point ever offered me a consolation loan or an opportunity to do anything with this loan other than pay the 12 % interest rate. My original amount owed was {$34000.00} I accrued 15 % interest while in school and now owe over {$56000.00} despite paying over $ 17,000+ over the last 13 years. Sallie Mae/Navient has never given me a repayment solution that actually benefited me, everything they did just added more and more to my debt owed. Im totally financially crippled because of this and cant buy a home or car or even take out credit cards, I even have to over pay on deposits to rent an apartment even because my credit score is so negativly affected. Theyve gone as far as calling my work and my XXXX year old grandma when Im even a little late on a payment and told my grandmother that my mom was going to lose her house if I didnt pay. When they called me at work I told them not to call me there and hung up, only to have them call back SEVERAL times and even tell me they knew I was getting married soon ( never disclosed so they must have learned that from my coworker ) and that maybe I should marry a rich man instead.. this company has been a thorn in my side for over a decade and I would just like to move on with my life..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My mother had a capital one 360 account. She passed away in XX/XX/XXXX. I started the process of trying to liquidate her account and get it transferred to her estate account in the beginning of XXXX. there have been various back and fourth. of them wanting more or different paper work but I believe the bank had all of the required forms and instruction as of Tuesday a week ago. XX/XX/XXXX. I called and confirmed and they stated that it would take 5-7 days to process. I called today XX/XX/XXXX and they confirmed they had all the right paper work but it would take 40-50 days to process.the manger also refused to let me talk to her boss and stated that he doesn't take calls. XXXX employee number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: SC

Complaint narrative:
I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX  XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( Experian, XXXX, and XXXX  ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!

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 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that Charter DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CA

Complaint narrative:
Selene Finance and XXXX XXXX XXXX conducted an illegal non judicial foreclosure violating my bankruptcy stay. The have ignored correspondence and have no standing on alleged Deed of Trust they have based their predatory practices. ( Exhibit 1 ) Timeline : Foreclosure Sale date scheduled XX/XX/XXXX. Filed by new trustee without notice and based on invalid Notice of Default dated XX/XX/XXXX identified with different TS # XXXX. And illegally filed as California Declaration of Compliance was dated XX/XX/XXXX ( Attached ) which was during an active Bankruptcy. ( Exhibit 2 ). They filed for foreclosure sale again on XX/XX/XXXX, XX/XX/XXXX and illegally foreclosed on XX/XX/XXXX. Alleged loan shows current as of XXXX. ( Attached ) Attached : 1. Fraudulent Substitution of Trustee which was recorded by Beneficiary that was assigned after the Substitution of Trustee who assigned it. 

2. Debt Validation by former alleged Trustee stating over {$640000.00} dated XX/XX/XXXX conflicting with attorney for former alleged servicer XXXX dated XX/XX/XXXX as default being {$340000.00}. This was under oath in Bankruptcy Court which was discharged XX/XX/XXXX. 

XXXX. Notice to Quit posted to my door by XXXX XXXX XXXX XXXX on XX/XX/XXXX. Continued violating Bankruptcy Stay and constant visits by Realtor hired by Selene Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This debt was opened by a person named XXXX  XXXX XXXX, she stole my identity and opened this account. The matter was resolved, the collection agency keeps harsing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 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: Southern Management Systems Inc.
State: FL

Complaint narrative:
This was a fraud account and it still reflects on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Ouicken Loans company employee created another application on me when I closed with the same company on XX/XX/XXXX and then on XX/XX/XXXX anew package was mailed to my home on XX/XX/XXXX. If this employee had ran my information should came up in the data that I close. This is the problem, this employee ran a credit report and used my SS number with authorization. I know under the Fair credit reporting act, Security freeze, Privacy Act, this Identity fraud. I did not communicate with the banker to have the second application done. The second issue was my property taxes taxes for the city of XXXX being listed on the closing cost details sheet at closing and include during closing and was not not paid at the time of closing. I received a check for {$750.00} in the mail in my name as a refund check. Why didn't they send it to the tax office. The company put it back on me. I reported the issue to several people, one tried to verbally bully me and I report it and receive a call and they apologize for the young man actions. XXXX XXXX investigated my issue and returned her finding and apologize all the company mistakes. We stated communicating by email so I would have a record, before that we talk verbally on the phone. She tried to be helpful and add the taxes to payment. which are in the email she sent me. Once I stated the company owe me for violated my right to privacy, civil right, anti-bullying me by employee verbally, things changed after I asked for a settlement of {$150000.00}, because I stated that according to the Gramm-Leach_Bliley Act, means misusing someone SS number is a security breach for the company and the Privacy Act of XXXX. XXXX email changed, she state that the company doesn't owe anything because they did not do anything, but my question is why did she apologize for all the mistakes and why she appeared to be sock about the issues and took a week to investigate the my concern, I called he twice and she apologize for the employee verbally bulling me and for the mistakes. I also talked XXXX XXXX and XXXX XXXX by email about the tax issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: CL Holdings LLC
State: FL

Complaint narrative:
I have attempted to correct this error on my XXXX XXXX XXXX account for over a year. I have paid all outstanding balance on this account but they refuse to remove this data off of my record. Two years ago, we had canceled the service and paid them in full. They still have on record that i owe {$100.00}, which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX XXXX I received an email to thank me for my XXXX purchase. 
I didnt make a purchase and called my Chase Credit card to report the fraud. The man on the phone named XXXX told me not to worry Im not liable and would close the card and issue me another one. I also spoke to him and told him I would call XXXX because on the email it said that the order was to be picked up and I wanted to warn them. 
When I received my new card the amount was still charged on it for {$100.00}. 
I called and spoke to them again and they said they will look into it and get back to me. I received a letter from the fraud department saying that I received benefit from the transaction. I called again and they told me that they dont need to give me that money back because it was on my XXXX account. I explained that I didnt do it and they told me to get a police report and send. I did that and the email they gave me didnt work so I called again and spoke to XXXX who told me they dont need that and theres nothing they can do. That I need to talk to XXXX to get my money back. I closed my account with them I was so angry. The police couldnt beieive it. They are now requesting video.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: SC

Complaint narrative:
I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX   XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( XXXX, XXXX, and Transunion ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!

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 2019-01-18 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: SC

Complaint narrative:
I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( XXXX, Equifax, and XXXX ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX/XXXX  XXXX has been reporting the incorrect month and year of last payment made. They have been reporting the last payment made XX/XX/XXXX. The correct date for last payment made was XX/XX/XXXX. I will include my TransUnion credit report. XXXX XXXX  has been reporting this error for awhile. I would like them to at least consider making an update to the information that they have been providing TransUnion

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 2019-01-18 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: CA

Complaint narrative:
I was trying to get a cellphone service from XXXX Store thru XXXX near my area but the representative told me my application was cancelled after he did the whole process on his computer and put all my personal information. So, he called the XXXX main office and I was told to call the Credit Bureau and I was surprised when I saw my credit report, most of the information that was in there are all false and I'm not aware of it.

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 2019-01-18 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have attempted to correct this issue with XXXX XXXX XXXX. I have not done service with this company since last year and canceled the account with XXXX balance. for some reason they have sent this account to Diversified Consultnts stating that I owe {$620.00}. I do not owe this amount.

Company response to consumer: Closed with explanation