vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
TODAYS  DATE : XX/XX/XXXX   XXXX ,  XXXX   XXXX   SOC  SEC  #   XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  MIDWEST RECOVERY SYSTEMS,  LLC  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m  ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may  not appear on my credit report if they can not be supported by any evidence (  1  ) In general No person  (  company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section  1681c-2  of this title has resulted from identity theft.    ( 2 ) A pplicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragrap h ( 1 )  after the date of a notification under paragraph  ( 1  ).    ( 3 )  Rule of construction Nothing in this subsection shall be construed to prohibit - - (  A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section  1681c-2  of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS, LLC I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone  Consumer Protection Act  Litigation, Case No. 11-MD-2295-JAH-BGS, in the  U.S. District Court f or the    XXXX   XXXX   of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report  TODAYS DATE  XX/XX/XXXX   XXXX ,  XXXX   XXXX  SOC SEC  #   XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.   XXXX   XXXX   XXXX   Date Filed   XXXX    Type Credit Unions 2.  XXXX  Date Filed  XX/XX/XXXX  Type Mortgage Reporters 3.   XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Mortgage Reporters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.    XXXX   XXXX   XXXX  Date Filed  XX/XX/2017    Type Credit Unions 2.  XXXX  Date Filed   XXXX   Type Mortgage Reporters  3.   EQUIFAX  MORTGAGE SERVI  Date Filed  XX/XX/2017    Type Mortgage Reporters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
Hello, On or around the date of  XXXX   XXXX ,  2017 , I received a notice from my credit report monitoring company th at Deville Asset Management had  placed an account on my file with a balance of  XXXX . I have not received any documentation or debt validation from  Deville Asset Management nor have I received any phone calls stating that this debt belonged to me. I have also submitted a letter to  XXXX  to have this item removed.    I have been researching this company and I have found out that they are NOT BONDED with the State of Texas therefore they are unable   to collect on this debt. This item must be removed from my credit reports.
I also have documentation from the Secretary of State website showing this company is not bonded in the state of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I co-signed private student loans for my son. These private student loans where than purchased by  XXXX   XXXX  and subsequently transferred to Navient. I am a co-signer on this loan with my son as the primary. In  XXXX    XXXX   during the transfer time between  XXXX   XXXX  and Navient my son became delinquent for a 60 day period on the student loan. There was no delinquency for 30 days only a  1 t ime 60 day delinquency. At the time my son was catching up with the payment of the loan and for several months could not afford the full payment however made at least 75 % of the monthly payments, and continued to always send in some payment. At the time he was adjusting to paying  XXXX  private student loans to  XXXX  different companies. Navient placed in  XXXX    XXXX   a  XXXX  time 60 day delinquency on not only my sons report but to my credit report also. As stated I am a co-signer on the loan a guarantee that it would be paid if my son could not pay it off. I have tried to rectify this negative reporting with Navient and with the  XXXX  credit bureaus reported to  XXXX   XXXX  and  XXXX . I have disputed with the credit bureaus with no success. I been meet with nothing but bitter commentary from Navient employees and was provided with no help to eliminate the negative reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I became aware of a credit inquiry on my  XXXX  credit record dated  XXXX   XXXX ,   XXXX   which I did not authorize. I have a fraud alert on my credit records due to previous id theft and fraud loans at Wachovia  aka Wells Fargo.  The unauthorized inquiry was  : Wells Fargo Phone Ban k ( a credit card division )   XXXX     XXXX   XXXX   XXXX , OR  XXXX   XXXX  I called the  XXXX  # associated and was transferred to  XXXX   XXXX   XXXX   ( Executive  Branch ) in  XXXX , Va. She inquired into my identity and asked if I had recently applied for a credit card. I said no. She then created fraud report  XXXX  and provided me with her phone number  XXXX ,  XXXX , &  XXXX . I have called all and gotten absolutely nowhere with regard to getting this inquiry to my credit investigated. I have been told it was an inside team member who was pre-authorizing me for a credit ca rd ( wit hout my authorization? or knowledge ? ). Forbid den, unacceptable, FRAUD! FRAUD! FRAUD! I should be monetarily compensated for damages associated with ongoing stress over the past 7 years associated  with Wells Fargos ' il legal business practices and issuance of fraudulent loan products and obviously now credit cards. They refuse to provide me copy of the credit application or any other definitive information about their unauthorized inquiry. I want to sue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am writing to your agency in hopes you can help me with some charges on m y Chase Card  previously disputed with you guys. I would like to know the status of the disputes. I am  XXXX  and I do not own a computer, no electricity or internet and I am not computer literate . Communication is k ind of difficult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for online services, meanwhile I told them I didnt own a computer, they said it wouldnt be a problem they would do all the work for me, and they did disappeared after, I tried to contact them many times to see what was going on, and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disputed with Chase were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collections Acquisition Company, Inc.
State: TX

Complaint narrative:
I been trying to get them to send me the original contract bearing my signature and their signature showing we have a contract showing I owe them money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: FL

Complaint narrative:
Transunion continues report inaccurate personal information about me and continuously reports inaccurate accounts on my credit file. I have tried numerous times to ask that they investigate per the FCR A 611 ( a ) ( 6 ).  None of the dusts have ever had a proper method of verification where as they would 've provided me with PHYSICAL documentation and proof of these accounts. They just state words like remains, verified, and meets requirements of the FCRA. In no way shape or form is that a verification. These accounts are not and have not been verified and I have provided documentation that I am again providing along with my identification to delete thees inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
XXXX   XXXX  sent a request for information and notice of error ( QWR ) to Nationstar on  XX/XX/XXXX . Nationstar received this QWR on  XX/XX/XXXX , as evidenced by a signed return-receipt. Per RESPA, Reg. X 1024.35-36, Nationstar should have responded to  XXXX   XXXX  's QWR by  XXXX   XXXX ,  XXXX   (   XXXX  business days from receipt ). It is now,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX  has not received a response to his QWR. Time is of the essence in this case, as there is a law/sale date scheduled for  XXXX   XXXX ,  XXXX .  XXXX   XXXX  requested the following documents from Nationstar :  1. A  complete account history for the life of the loan showing how each payment was applied to interest, principal, escrow fees or charges, and the suspense/unapplied account ;  2. A  copy of each escrow analysis conducted on my account since  XXXX   XXXX  ;  3.  An itemized statement showing all costs and fees that may have been assessed to the loan account for the life of the loan including but not limited to late fees, inspection fees, broker price opinions, foreclosure fees, bankruptcy fees, and attorney fees ;  4.  Copies of any loan modification trial plans, permanent modifications, and/or forbearance plans  ; 5.   Documentation showing my approval for a loan modification, trial payment plan, forbearance, special forbearance, and/or any other loss mitigation program, spanning  XXXX   XXXX  to the present ; and  6.   Documentation showing my denial for a loan modification, trial payment plan, forbearance, special forbearance, and/or any other loss mitigation program, spanning  XXXX   XXXX  to the present.      XXXX   XXXX  also asked Nationstar to investigate why his payment suddenly increased from {$1800.00} to $ 2,500+, following a permanent modification in  XXXX   XXXX .      XXXX   XXXX  complied with all of Nationstar 's request during the modification process, and the sudden increase is more than likely due to a Nationstar escrow miscalculation. Nationstar has failed to explain to  XXXX   XXXX  why his payment increased by $ 700+ making his newly modified payment unaffordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams, Rush & Associates, LLC
State: OH

Complaint narrative:
I was contacted by my mother in law about a debt that belongs to my spouse. I attempted to contact the company. They refused to speak to me. They states federal did n't allow them too. My spouse took a break from work because they are only available during his work hours. They threatened a judgement when a suit has not even been filed. They have called his family members repeatedly and have never called him.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
I 'm   XXXX   XXXX   XXXX   for my  XXXX  degree and I have some loans that are subsidized from my  XXXX , so the interest should be paid while I 'm in school by the  US D epartment of Education. I pay the interest on unsubsidized portion of my loans so it wo n't be capitalized and added to my balance. The problem is, that when I make my payments there is no way for me to direct my payments just to my unsubsidized loans so my payments are directed to both my subsidized and unsubsidized loans and losing that benefit of interest being covered while I 'm in school. When I have called on several different occasions in  XXXX  and  XXXX    XXXX   to get a history of my payments and balances, I keep getting a the same answer, " We do n't have that '' just a history of payments that I have made. In a separate incident, I had a loan disperse on my graduate loan and paid a refund amount. When I asked for the a statement showing that refund payment, they again said " We do n't have that ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All  XXXX  bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office represents  XXXX   XXXX   XXXX  concerning the above preferred account originated from  XXXX    XXXX    XXXX   XXXX  According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at  XXXX  on  XXXX   XXXX ,  2017 th is account is being said or close by our office thank you for resolving this matter yours truly P.  XXXX   XXXX  ... This is NOT what I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Currently, I have a student loan with  Navient,  who is formally known as  XXXX   XXXX . After reviewing my account, I discovered there were an addition al 20 plus thousand in  loans, " I did not take out. '' Would you please verify, where this came from? I do n't plan on paying for it at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: OH

Complaint narrative:
XXXX  I have a a unverified account from AMERICOLLECT. I had previously disputed this account. I have never done business with AMERICOLLECT. 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 AMERICOLLECT Provide verification of the following : 1. ) The original Application or contract ; or a Original contract agreement 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMERICOLLECT Cease  and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There was a collection account with  XXXX   XXXX   ,   XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611  Procedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) N otice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am having to submit an entirely new complaint because the loan servicer,  Specialized Loan Servicing,   did not address ANY of the numerous egregious violations which were included in our initial complaint. Although they took over the loan from  XXXX , they now defer all violations to them and to  XXXX   XXXX  with whom we have no issue at all. They still claim that we were denied a  Loan Mod  because of missing documents which is patently false and we have all back up documentation to prove that. Nowhere in " their response '' do they even mention the HOBOR and RESPA violations which were clearly and undeniably presented. That is correct. There is NO mention or response to our complaints. Instead, they provide boiler plate language claiming courtesy and expeditious handling of the matter when we have  17  unanswered attempts to contact our SPOC during the prior loan mod process. SEVENTEEN. We were forced into unnecessary BK because they were sending notices to an address in  a Different City. W e were not even given the " courtesy '' of a cost to cure. In short, their response to our complaint was a form letter filled with platitudes, assuming NO responsibility for their mishandling of our documents, egregious errors, and attempted foreclosure with NO valid means of notification. Banking ca n't get any worse than this. Criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I had an accident and was transported to a hospital by  XXXX   XXXX    XXXX   XXXX   on  XXXX / XXXX /  XXXX   They are located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX  CA.  XXXX  Phone  XXXX .      XXXX   XXXX  sent me a bill for {$2500.00} and I gave them my  Health Insurance information (  XXXX    XXXX   ).   XXXX   XXXX  paid them the contracted amount of {$2000.00}.     Since they had a contract with  XXXX   XXXX  they have agreed to accept that amount for their service. I do not owe them the difference.     They sent me a bill saying I owed the difference. I called them with  XXXX   XXXX  on the phone and  XXXX   XXXX  confirmed that I did not owe them anything because they had been paid the contractual amount.     They sent me another bill, I conference called  XXXX   XXXX  again and we told them the same thing.     Now they have sent the account to collections.     I called them AGAIN and told them I do not owe them.  XXXX   XXXX  faxed them an explanation of benefits to prove this.     I am still receiving collection calls and letters.

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