vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-17 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:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX M SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX To Whom It XXXX Concern, In response to CFPB complaint ID number : XXXX Your company have violated the provisions of section XXXX, XXXX ( a ) ( XXXX ), or XXXX ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a XXXX report is being used to obtain blockage, not contest the accuracy of its XXXX Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; XXXX XXXX Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ). Such notification by a CRA triggers XXXX obligations for the furnisher. First, under FCRA section XXXX ( a ) ( XXXX ) ( A ), you must not allowed the furnisher XXXX not continue to report that information to any CRA. FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX XXXX XXXX a ) ( XXXX ) ( A ). Second, under FCRA section XXXX XXXX f ), it XXXX not sell or transfer that debt to anyone else who would try to collect it. FCRA XXXX XXXX f ), XXXX U.S.C. XXXX ( f ) .As required by section XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a copy of which is enclosed, I am requesting that the item XXXX XXXX ) be removed XXXX or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( XXXX ) ] and [ delete or correct ] the disputed item ( XXXX ) as soon as possible FOLLOWIN ITEMS : XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$620.00} Thank you. 

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Department of Navient belongs to a family member. I have never received a bill stating the loans were due. The information receive was after the loan were in default. I am XXXX  and trying maneuver financially but I can not due to information reporting. Loans fall under Authorized user so I am requesting they be removed from my credit. 

XXXX XXXX, also belongs to a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
on XXXX2017 XXXX erroneously reported to XXXX that they had closed my XXXX XXXX account ( ending in XXXX ) and opened a new account XXXX XXXX ( ending in XXXX ). 

This was not supposed to be reported like this and this adversely affected my credit score. 

I have communicated this to XXXX via 1 ) email 2 ) US mail 3 ) certified mail 4 ) phone and 5 ) fax I have credit alerts showing this reporting. I have sent this documentation to XXXX also through the above-listed methods. 

XXXX  refuses to correct this error. 

I have also filed a dispute with XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I 've had a capital one credit card for over XXXX years and my annual fee just posted this month. I 've been trying to product change or downgrade the card to a card without an annual fee but they keep saying that it is not an option. I do n't want to pay an annual fee for a card that I do n't use often. I do n't want to close the account because it is my oldest line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: FL

Complaint narrative:
My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, Experian, and XXXX to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, Experian removed only 2 of the 4 items, and XXXX removed 2 of the 4 items as well. I am scratching my head as to why Experian and XXXX only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to Experian and XXXX on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.

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 2017-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XXXX XXXX, I started a mortgage application with Quicken Loans and was connected to mortgage banker, XXXX XXXX XXXX NMLS : XXXX ). The process started as typical, with me providing all of the personal and financial information required. 

Because of a short sale in my credit history, XXXX requested that I contact XXXX XXXX to provide evidence that the account had closed in XXXX, as I had stated. On XXXX XXXX, I attached a closing document to an email as proof, along with the text " XXXX, let me know if this works. '' After not receiving any response to my message, I contacted XXXX and was told that she " thought I was joking. '' Which is why she had n't responded to me. I was very puzzled by this response and requested that she submit the application with the new documentation. 

On XXXX XXXX, I reached out to find out the status of the application and XXXX responded " Still waiting for a response. '' On XXXX XXXX, I again reached out for a status update and received another text response " I am looking into things right now! '' It is now XXXX XXXX and I have not received any response to my application or any understanding of what could be causing a delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
wells fargo transfered my loan to Rushmore during a loan modification and then they are forclosing on my home because they said you wont allow them to stop because the date is less than 37 days away They are also saying my application was denied by wells fargo prior to transfering for missing documents. i have sent them emails and all corrspondence showing i sent the documents to my loan specialist on time and when requested

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: Investigative Concepts, Inc.
State: AZ

Complaint narrative:
XXXX XXXX keeps calling my phone number even though I 'm not the person they are trying to contact and do n't know the person as well. I called them and tried to explain and they were very rude to me and told me they would do nothing about taking my number off the list. I asked to talk to a supervisor and was then hung up on. The number they call me from is XXXX. This happened on XXXX/XXXX/XXXX at around XXXX am Arizona time.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
ECSI charges a fee for individual payments directly removed from a bank account, credit or debt card payments. The only service fee free payment option is to pay by mailing in a check or by setting up automatically with drawn payments. This is insane. ECSI is making making the process of paying my loans incredibly difficult to make an extra {$4.00} each time I pay my loan. 

No other student loan lender I am currently dealing with charges this type of fee. As a person with large amounts of student debt every dollar matters and this just seems like an extra slap in the face for taking out a private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: FL

Complaint narrative:
My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, XXXX, and TransUnion to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, XXXX  removed only 2 of the 4 items, and TransUnion removed 2 of the 4 items as well. I am scratching my head as to why XXXX and TransUnion only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to XXXX  and TransUnion on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.

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 2017-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been communicating with XXXX in hopes to find a solution to avoid foreclosure on my home. I have submitted all requested documentation and have followed up with XXXX to ensure the process is going smoothly and to ensure I am doing my part. On XXXX XXXX, XXXX I received a letter from XXXX informing me that all of my documents have been received and that my file is being reviewed. Then a few days ago I am told that I was denied, and when I requested to appeal the denial I am told I can not. All my homeowner rights are being violated and I am not being provided a fair review of my application to avoid foreclosure. Additionally, I was never provided a denial reason verbally or in writing, I was not provided a chance to appeal the denial and lastly the foreclosure sale should have been postponed while I was in active review however XXXX continued to proceed knowing that is a form of dual tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XXXX/XXXX/XXXX, I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XXXX of XXXX when I sent the dispute letters. It is now XXXX of XXXX -- 6 months later and I have not receive a response back from the credit bureau regarding my dispute. Under the XXXX XXXX Sec. XXXX ( a ), the investigation must be complete within 30 days of receipt of the letter sent 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 2017-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi I have a Macy 's store card. from XXXX XXXX. I am always on time in making payments and always used to pay full amount i have owed. During XXXX XXXX i made some purchases and returned some. So i got bill but I forgot to pay the bill which is due by XXXX. In XXXX XXXX XXXX i went on vacation as I did n't have electronic statements enabled i did n't look at the bill. I have returned from my vacation and then while looking at the credit report on credit karma i have observed that there is payment due and i have made complete payment along with the fine and interest on XXXX XXXX XXXX tough it is reported to the credit agencies i thought that it will fade away over the period. 
Now i am looking to buy a house and observed that this is the only factor that is effecting my score. may be more than 40 points. I tried to check with macy 's if they can remove the -ve mark to which they did n't agree as they need to be truthful. Agreed what they are doing is right. But effecting the credit score for only 1 missed payment that too for 7 years even tough i have all the other things perfect. i felt it is not fair. 
I am writing this not to blame anyone. but to bring you to your notice that some things needs to be considered looking at the history. i paid fine and still being punished and for 7 years which is long period and i need to keep paying more mortgage interest as i have reduced score for other 7 years or more. To Error is human but what credit reporting scores are checking is that we should never make errors and it is like 1/2 life time punishment considering full life time punishment is 14 years. 
It will be helpful to guide me if you have observed any issues like me and you have resolved. if not i need to live with it for other 6 more years paying more for interest for 1 mistake ( not enabling E- statements so that i could have known before that i missed a payment )

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 2017-10-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. Installed equipment in my home back in XXXX. At the time the company misrepresented themselves as being XXXX. After I question company after install I decided to canceled. At the time I paid in full what was owed. After misrepresenting themselves as XXXX I could not in good conscious continue after being deceived into a erroneous contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine XXXX XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am having issues with the way that Chase is handling my accounts. I recently had arrangements to satisfy a charged off account to pay {$50.00} per week and a lump sum at the end of 5 consecutive payments to satisfy the account. However, I was laid off and was not able to fulfil my payment obligations. On XXXX XXXX, 2017 Chase redirected {$720.00} to offset the amount of the charged off account which were funds to be used to make my monthly rent payment. I immediately called Chase and spoke to a representative named XXXX who stated that she did not have the authority to redirect the funds to my account. I was then transferred to a Sr. Representative by the name of XXXX . I explained the severity of the situation and even made the necessary arrangements needed to get those funds back. This dilemma could cause my rent payment to be returned and my leasing company to file eviction. Chase did not seem to care and told me that due to their policy that I could only receive half of the funds back in that respect. I asked XXXX to process the return of the funds as she stated and that I will visit my local branch. 
I stopped by the Chase branch at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke with a banker to try and get further assistance. He did advise that there was nothing he could really do but would call the recovery department on my behalf. He spoke with a Representative name XXXX who was very helpful. He agreed to credit some fees to another account that I had to assist, however, he could not override the arrangement from the previous representative, XXXX. 
Needless to say, my rent payment is pending and could possibly be returned and now I am short {$220.00} for that payment and risking eviction. These policies are not in written in Chases verbiage to advise a customer that funds from your current account can be offset to an account that charged off 2 years prior without your knowledge. 
I am requesting my full refund of the fees that were deducted from my account. Immediately as this has caused a considerable hardship that Chase does not care about..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have had a student loan since XXXX. XXXX XXXX sold it to Navient. Navient never informed me of options for forgiveness. I have worked for a government agency for over 20 years and would have been eligible. When I accidentally heard of a potential program, I asked Navient they first informed me there was no program. The second time I asked they informed me there was. By the time I could identify that I was eligible given my employment, my salary was too high to qualify. 

Currently in an effort to speed up my loans I arranged with Navient to ensure I was up to date and enrolled in autopay as per their suggestion. They informed me that by enrolling in autopay I would reduce interest rates. However, after about a year my interests rates have not reduced. They are now informing me that due to an insufficient account several years ago I am ineligible always to have any interest rates reduction. They lied to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling XXXX XXXX - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, Credit Corp Solutions, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation