vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I payed my credit card on time, but because my payment fell on XXXX XXXX XXXX XXXX days it didnt go through until they day after and was charged for being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
I moved in to my rental due to finical problem found out later it was Identify theft. I started a home modification in XXXX. it took 5 months for the go-ahead. They kept asking for the same paperwork I gave in the beginning. I made the 3 payments in a row. All the while I was getting foreclosure notices ocwen said disregard there not valid. I got a few and called in not valid do n't worry. So the payment where done. I received the paper work upon receiving I was rushed hurry get them back. Upon ready there was a balloon payment of {$27000.00}. the loan started at XXXX paid for 13 years XXXX and financed XXXX just to have a balloon of XXXX. They tried to sneak in. I called in and it was interest on interest. I denied and was goanna refi only to find out it was foreclosed on in XXXX so the lender would not touch. So now I 'm about to be kicked out. And the Kicker is there to blame for the Identify theft. They let some one assign themselves as account manager XXXX on my loans and they switched it around so I did not have access to my own account got. I Finally got the account back and had it done again in XX/XX/XXXX I was at a loss of how someone not on the loan could do that. I had to fight to get the account only to be months behind. I had to fight to get on like they where not my loans

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 2018-01-04 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: Choice Recovery, Inc.
State: PA

Complaint narrative:
In 2015 I went to the emergency room out of state. I have insurance through XXXX that my insurance said is covered in and out of state. Almost two years after this visit I got a bill for over 300 dollars. I contacted my insurance and the hospitals billing department. My insurance said that they needed something called a rendering XXXX number from the hospital and the hospital said that whatever doctor I saw that day didn’t have that number out of state. So basically both parties wouldn’t comply with one another. If my insurance is telling me I’m covered and that the hospital is failing to comply and the hospital is saying that’s not true there was nothing left for me to do. My insurance filed claims over and over again until the hospital was past due on the timeline my insurance would of covered this bill so it went into collections. XXXX, whom I spoke to from Choice Recovery was so rude to me. The official letter came to my parents house but when I spoke to her she did not tell me that I have the right to dispute it. She told me my only option was to pay the bill unless I wanted my credit to be reuined. She didn’t listen to the issue and she refused to call my insurance company. My insurance company said they would be happy to speak with her and explain the situation but she said she wouldn’t do it but wouldn’t give me a valid reason as to why not yet her manager said they are allowed to do so. She gave me an attitude and brushed me off and didn’t offer me solutions. This company’s job is to investigate the situation and work with you to try to help and figure out the issue instead she bullied me and was no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I DID NOT AUTHORIZE THIS INQUIRY

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 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I didn't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was "These item are factual record of file access."  My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. EQUIFAXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
This company " Convergent " using number XXXX keeps calling me everyday sometimes multiple times of day for over a week for some person I do not know and does not nor has every resided with me or has every even known me. I got this number back on XXXX XXXX, 2017 and explained to them to remove my number and stop calling me. Now they have told me I 'm lying and refused to also not record me when I told them not to, they also no matter how many times I tell them to give me their manager never give me a manager, they just deflect and try to phish for my personal information. Which they have no right to have as I 've never done any business or have contacted them. Yet they are rude and hangup when asking for their manager.

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 2018-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my kohl 's account there is a history code with a number 1 next  to it which means there was a late payment I resolved this issue with kohls directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX  rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is Capital One '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my XXXX XXXX account there is a history code with a number 1 next to it which means there was a late payment I resolved this issue with XXXX directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is XXXX XXXX '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Good evening - I have contacted this company a total of four times since XX/XX/XXXX. The latest certified letter was sent to Portfolio Recovery on XX/XX/XXXX requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. Twice I received a letter billing ledger as validation. This ledger does not assign the debt to me and frankly, it looks like someone in the office drafter the ledger. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We applied for Non Owner Occupied Loan Modification program with Bank of America in XXXX and after Trial Period of three months XXXX, XXXX and XXXX our loan modification was approved. 
Few months later we found out that Bank of America reported our payments for three months trial period as late to all credit bureaus, which as a serious delinquency caused our credit scores to go down 60 points. 
We made our payments on time before and during modification period. Please see attached history of payments. During trial period we were asked to pay different amount instead of our existing monthly home equity payment. Please see attached BofA letter from XXXX XXXX, XXXX and FAQ. 
According to BofA letter from XXXX XXXX, XXXX " During the trial period loans that were up to date at the start of the trial period will continue to be reported as up to date as long as customers make trial periods on time. " Please see attached. 
Since we were current with our payments before and during trial period BofA had no right to report us being late and ruin our credit. We ask BofA to correct their mistake.

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 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A debt under XXXX XXXX XXXX is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, I sent a letter to MJ Altman Companies to validate a debt they claim I owe. I have never had an account with them, so I asked for the original business transaction per section 609 ( e ) in the  Fair Credit Reporting Act. 

They decided to send me a statement that I could have written up myself on XXXX XXXX, showing what is supposed to be some type of statement. 

They did not provide me with any document which shows proof that the debt belongs to me, which is theirs to prove. 

Not only that, they are attempting to collect a debt that is outside of my statute of limitation, per Chapter 95, Section 11 ( b ) of the Florida Statute of Limitations which specifically states that there is a 5 year limitation of any legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23. 

this company has violated their legal obligation under the Fair Credit Reporting act, as well as the Florida Statute of Limitation and they should be held accountable for this violation. 

I am well within my rights to pursue legal action against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Seterus overpaid my XXXX taxes by {$660.00}. My county tax office refunded the overpayment on XXXX XXXX. There was NO change in my XXXX tax rate from XXXX. 

Seterus increased my XXXX mortgage by {$69.00}. I called Seterus tax dept. on XXXX XXXX, and after an hour and a half of discussion with Seterus tax and customer service was assured they would correct their mistake in 7-10 days. They assured me my escrow would be adjusted to the correct taxes. They could not explain WHY they overpaid my taxes in the first place!! 

My XXXX mortgage bill came in {$55.00} higher than normal. I called Seterus again today and was told my taxes STILL show as {$1300.00} DESPITE the fact that they NEVER received a bill from my county tax department for {$1300.00} and when they paid {$1300.00} instead of the bill which was {$640.00} the county tax people refunded Seterus the {$660.00}  overpayment. 

After another hour and a half on the phone the customer services rep said she will resubmit what had already been submitted but I would have to pay the increased mortgage rate AGAIN in XXXX. So far Seterus has effectively extorted {$120.00}. For a person who is XXXX on a very limited income this is equivalent to attempting to price me out of my home. 

Seterus made the mistake. Seterus received a refund in XXXX for their mistake. Seterus is still demanding an unsubstantiated increased mortgage amount from me. Seterus is still stalling saying they have to start a process all over that they promised last month would be resolved. 

When Seterus received a check for {$660.00} in XXXX from the County Tax Department that should have triggered an escrow analysis. County tax departments do not just issues refunds. Instead they pocketed the money and increased my Mortgage! 

I want my {$120.00} back. I want them to get their act together and bill customers according to the actual escrow bills.

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 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
A debt under Paramount Recovery Systems is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Tax debt was filed in my credit reports inXX/XX/XXXX and XX/XX/XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.

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 2018-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
i have had my loan go into default a few years back and i have corrected it, but i am getting harassing never ending calls and emails about my loan will be going into default if not paid and i do n't even remember attending this school for the dates it says the loans were dispursed, i want some help and some relief from this, now i see navient is being sued and im getting more upset. 

Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
In XXXX XXXX, I incidentally signed a student loan with XXXX XXXX, which later became Navient, for continuing my adult bachelor studies. In XXXX XXXX, while still active with school, Navient started billing me for loan repayments. I 'd updated them on my schooling status, but they insisted there was no record that I was a student, so inevitably they contacted the school for verification, and from thereon there was no further communication. 
In XXXX XXXX, Navient started billing me again, and I updated them that I was still in school, and they told me I was required to send them a forbearance request for postponing my payments for a couple months. I told them that school did n't end until XXXX XXXX, and they insisted they were in the right to bill me for loan repayment, and gave me the runaround about filing yet another forbearance request. I refused and did not return their calls afterward, considering their behavior harassment. 

Navient contacted me yet again, in XXXX XXXX, about repaying my loan, even though I was still in school, and I told them I would file harassment for fraud, if they did not stop. There was no further word from them until XXXX XXXX, when they hastened me to start repaying my student loan. I was incidentally unemployment at the time, so I tried filing an unemployment deferment, and they told me I did not 'qualify ' as supposedly I 'd exhausted such benefits, from back in XXXX. Well, I contacted the Federal Dept and the Federal Loans about the matter, and they told me there was no such thing as 'exhausting unemployment ' benefits for deferment. 

So basically Navient lied to me, and I insisted once again that I wished to file an unemployment deferment, and they refused, once again insisting about the exhaustion excuse. Then they proceeded with the runaround about me submitting deferments and forbearance, to see which one I " might qualify for ''. Well I wasted my time doing that, just to keep them at bay. Their website is disorganized, half the links did not work, or rerouted me to other irrelevant areas, and basically was determined nonfunctional. I did manage to upload one short term deferment and a regular forbearance request, and weeks later Navient claimed they could find no record of these uploads, when I had the receipt copies and the emails to prove they 'd been received. 

This matter went on for some time, between XXXX XXXX and XXXX XXXX. Navient continued to call and harass me that I was going " default '' on my loan repayment when I was not. And again, they wasted more of my time, running me around with resubmitting forbearance and deferment requests. To this day I have not made a loan payment because of their deceptions and harassment practices.

Company response to consumer: Closed with explanation