vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
This is a medical billing of which I am not aware, especially, since the medical provider wanted me to drive a long distance to their medical offices in XXXX, Georgia, in order to participate in some ridiculous research program, which was very discriminatory regarding XXXX people, although other races suffered from the same XXXX XXXX, as I did. 
I do not know what the billing was all about, because I had to see a different XXXX XXXX to have my problem solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Before moving to XXXX, I had faxed several deferment and the agency kept claiming not to receive. Finally after they received my deferment paper, they said she sent me the wrong paperwork. Wanted me to download the new paperwork & fax it to them or they were putting my loan in default. I explained to them that I was stranded on the side of the highway with my granddaughters. I was told that if I didn't redo that paperwork that day, XXXX XXXX, my loan would be defaulted which they did. I asked how can I be blamed for your employees mistake when I called after arriving in XXXX. Was informed that it was too late the defaulted my loans. Messed up my credit and haven't been able to file taxes. This default has caused me much hardship and big businesses are getting way with it. I still have the faxes that I sent proving that I did my paperwork on time, they just didn't give me the right paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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:
Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment $ XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days late3/2/1ClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX/XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

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 2018-03-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days late3/2/1ClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX/XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX

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 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Once again, Mr. Cooper has continued to research and find answers to our question regarding our loan. Because of this reason, we have now uncovered the beginning of this ordeal, starting from XXXX. Where apparently the loan became pass due : We have received the arrearages/past and a due letter of explanation. Thank you. However, we could not follow what happened with two payments of {$1200.00} on XXXX and XX/XX/XXXX? After researching, the arrearages which reflect XXXX payments and not any discrepancies post-BK which was deemed paid up to date. According to our notes, we requested modification during the start of XXXX. We are requesting an itemized statement to account for a balance of {$15000.00}. As of todays date XXXX, with the help of the representative from Texas ligation/financial help department, we are requesting modification aid and we are appealing the recent 6.85 % interest rate. As a result, the modification documents due XX/XX/XXXX should be voided. Mr. Cooper has responded over the phone the interest rate of 3.85 % was an error and could not be granted. Furthermore, we were told this could not be granted because we were already delinquent when XXXX suffered a flooding disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
I was on XXXX while unemployed and XXXX   when I was ordered by my doctor to get some XXXX   XXXX under XXXX. I noticed i was getting billed for the XXXX XXXX thinking XXXX was a little late processing the billing. Months later Franklin Collection was on my credit for over {$570.00} for an unpaid bill. I tried to dispute it and provided copies of emails showing I had XXXX at the time along with a statement from the billing manager at my doctors office ( XXXX XXXX ) stating they may have billed in error. So in other words I/ my credit has to suffer for someone else 's mistake. I'm highly upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AK

Complaint narrative:
I requested validation but this company sent me bill statements as validation ( statements are not validation ) and failed to send validation that they are the true collectors of the debt. I have another company trying to collect in the same debt. I demand proof that XXXX is the true collector by sending me something binding the agreement between them and original creditor that they are indeed collecting on behalf of the original collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: MD

Complaint narrative:
Meridian Financial Services Inc refuses to issue out to me legal documents.So I can verify the debt and my signature.I am requesting a deed and legal documents pertaining to the acct # XXXX.I have spoke to a XXXX XXXX XXXX.The Account Mgr for this account.All they keep telling me is that they sent it out the infoI haven't received any info on the account.I am requesting that this account be removed from all 3 credit reports.I am requesting that this be sent back to the resort for fraud investigation.This isn't my time share.There is my debt.This is a grave violation of FDPA and the FCRA.Meridian is not trying to help me.

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 2018-03-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi, I am writing to see if the credit report companies can show a sign a good faith in removing my credit inquiries on my credit report. I started a small business and had gotten denied for a business credit account by XXXX. My company is on hold until i can resolve this issue. I called XXXX twice and i am unable to convince them to open a business credit line for me. My credit score is in the 700 's  and i have never missed a payment. I also do not have any negative remarks on my credit report. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
No one has actually provided any evidence that this was in fact my debt. this negative reporting is hurting my credit report tremendously and prohibiting me from being able to purchase my first home. Secondly, I can not find them as a licensed collection company in the state of Indiana, perhaps I'm missing something. I was reading somewhere that collection agencies have to be registered in Indiana to collect. 

*they have this listed on my credit report under the name XXXX XXXX which is NOT me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX has constantly sent letters in the mail and harrass me about refinancing my VA Home Loan with them for cash in my bank account after I called their company on numerous occasions that I am not interested in their service. 

I do not want this company contacting me through the mail or phone calls anymore. They are to remove my address and number from their solicitation list and leave me the XXXX alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: CO

Complaint narrative:
I never receive statements until AFTER the due date. For example, I received an email statement stating due date was XX/XX/XXXX on XX/XX/XXXX. However, when I logged into the account, I was shown a past due balance and a missed payment. I also graduated with a XXXX XXXX XXXX in XXXX on XX/XX/XXXX. According to my exit interview and counseling with the US Department of Education I should receive a six month grace period before payments are due to begin. I have not received this with the company. They are also refusing to give me interest accrual information I have requested and are also refusing the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
When I attempted to freeze my acct at Transunion after the XXXX  debacle I was misled into signing up for some monitoring service and they immediately started charging my credit card. After about a month and formal complaints they cancelled the service and refunded the charge. Since that time about every 2 weeks I receive a SPAM email ( XXXX ) from them with different offers and implying that I signed up for some service. Each and every time I receive one of the emails I have diligently followed their procedures to unsubscribe and stop receiving the unwanted SPAM. To date I have done this at least 12 times with no effect. 
How can a company that lacks basic competency or ethics to maintain a functioning cancellation system be entrusted with individuals credit history. Did they not learn anything from the XXXX negligence?

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 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I had a past due bill with XXXX XXXX in the amount of {$1000.00} that was sent to collections. The name of the agency is Diversified Consultants. My account number with collection agency is XXXX. I resolved the payment with XXXX XXXX and paid full amount in agreeing to have information reported and retracted from my credit report. XXXX XXXX agreed to have information deleted and forwarded information over to Diversified Consultants. When reaching out to diversified  consultants myself and explaining to them that XXXX XXXX has agreed to delete information from credit report, Diversified Consultants responded they are not able to do anything but report that the payment has been paid in full. I have documentation of agreement between myself and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 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: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN

Complaint narrative:
I have XXXX XXXX problems. I lost my job. I have an old credit card with XXXX XXXX originally for overdraft protection that has an incredibly high interest rate that they tell me is high for all these weird surcharges. When Ive tried to work with them they wont help me and tell me not to close it or pay it off. I cant even pay one of the amounts now equal to a standard payment when I worked. They have served me at my door in a house where I am living with a relative. I do not have a home and just a car for assets. I have 12 days left on the summons to pay them {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have asked OCWEN mortgage company several times to give me a cumulative statement of what they have charged me to get my tax bill sent to them from XXXX XXXX. They tell me " send us the original bill. If you do not send it, we will get the bill ourselves directly from XXXX XXXX and then charge you no less than {$6.00}. ". When I spoke to XXXX XXXX, they tell me that OCWEN is already paying the bill so 1. why do they need to bother me for it? 2. how can they charge me for this? My bill is already escrowed. When I spoke to the XXXX XXXX, they tell me that OCWEN should not be charging me for this. I believe that OCWEN is either A. getting charged by XXXX XXXX {$5.00} which they then pass to the customer making a profit of no less than {$1.00} or B. they are not getting charged anything from XXXX XXXX ( most major mortgage companies do not get charged by XXXX XXXX because of some sort of arrangement ) and are thus profiting no less than {$6.00} from the customer 'pretending ' that they are passing on the cost of getting the tax statement from XXXX XXXX XXXX I have contacted the Ombudsman office about 10 times now about getting a cumulative statement from them to see how long they have been pulling this XXXX and ALL IS SILENT. I am entitled to this statement and entitled to getting my money back from all the tax bills they have been getting from XXXX XXXX then passing the cost on to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
In XXXX of 2017 I was contacted by an extremely aggressive, rude, hostile, and threatening employee of XXXX about a medical debt of which I had no knowledge and did not owe. After trying to resolve the matter ( unsuccessfully due to their threats ) I sent a letter requesting that they cease all contact. The letter was dated XX/XX/2017. 

Today, I received a call from XXXX. The person on the phone who identified himself as XXXX or XXXX XXXX began yelling at me that I owe him {$60.00}. I asked what he was talking about, and tried to identify what he could be referring to as I have done no business with this company whatsoever. He then said " well you really owe us {$120.00}, but since you sent your little letter asking us not to contact you we'll drop it down to {$60.00} ''. I repeated that I had no idea what he was talking about, and then asked for his company 's name and mailing address. He started yelling at me again, then hung up on me. I called back hoping to speak to another person to get the mailing address and to verify the company with which I was speaking. XXXX answered again and said " well we got your letter, so you know our address ''. 

Upon reviewing my files, I noted that I did in fact send a no contact and denial of debt letter to XXXX, and although I have not had any change in my status of not having done ANY business with them nor any company that they represent, they have violated my rights and the Fair Debt Collection practices act. XXXX should be sanctioned to the fullest extent of the law and I want to be compensated for the harassment that I've had to endure in the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: IN

Complaint narrative:
Transunion has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Transunion will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Transunion that information is accurate. I have disputed this in XX/XX/XXXX and XX/XX/XXXX. Transunion will not provide me with the name of the company so that I can dispute directly with them. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court it. I want this bankruptcy deleted as soon as possible.

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 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: NH

Complaint narrative:
I was seen by XXXX XXXX  in XXXX NH for a work-related back injury in which there is an open claim verified by the State of NH workmen 's comp. XXXX was to followup with the company and apparently did not and even though i repeatedly told XXXX to contact my former employer 's workmen 's comp insurer they did not and repeatedly harassed me then sent it to cbcs collections out of XXXX NH who has continually called me using a dummy rhode island phone number and leaving no messages. I repeatedly spoke with reps from cbcs explaining workmens comp and even offered to pay the bill to avoid negative credit reporting even though i am not responsible for it but was told i did not have to if it was workmens comp by XXXX. I forwarded a copy of the workmens comp claim letter to cbcs XXXX XXXX but they continue to keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted Sears and they agreed to remove the inquiry dated XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX  was done in error. I did not authorize Sears/Citi cards to do a hard credit pull for a credit limit increase. I have attached the letter showing my credit was not pulled due to a FRAUD ALERT on my account.

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 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I need my mortgage modified so I can have a lower payment and based on my income. I requested from my mortgage company Ditech XXXX XXXX a mortgage modification and submitted my financials several times. They said to me I've had several modification which is not true. 
I have not received a modification in the mail. I'm elderly and I don't want to loose my home. I also take care of my XXXX sister.

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