vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I contacted the CFPB about this debt before in case XXXX. The hospital is part of XXXX XXXX XXXX XXXX. The service date is shown on a bill but the bill shows a very different amount. I was able to speak XXXX XXXX XXXX billing office about the bill they sent me and they said that the amount they were showing as outstanding was different and they would investigate and send me a revised bill. That phone conversation happened on XXXX17. I am unsure how I can be working with the provider on something that has been sent to collections. I feel that some sort of clarification is needed. The charge may also be the result of identiy theft but I need to have a conversation with someone to figure that out. 
The people at Overton will just repeat the amount they think I owe and that is not helpful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with Midwest Recovery Systems, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX XXXX recent breach caused major concern ). The representative stated that this debt opened in XXXX of XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XXXX of XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX Equifax says not untilXX/XX/XXXX and Transunion told me XX/XX/XXXX I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and XXXX told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.

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 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have received a letter from XXXX XXXX XXXX XXXX. This company keeps insisting, that I owe them money for unpaid taxes. They said that they paid our taxes and, they want the payment that they made on my behave. I have sent them proof of paid taxes. They insist that they have not received proof. I also sent CFPB proof of XX/XX/XXXXtaxes, which I saw copy before I wrote this complaint. From the beginning of this loan I have been harassed. The first time I received notice, they said I had not given them XX/XX/XXXXdelinquent taxes. I sent them the settlement statement, that at the close of my loan, it shows clearly where they deducted moneys for taxes XX/XX/XXXXdelinquent and XXXX before I ever received my loan. Which I also sent to CFPB. 
They have increased my monthly mortgage from XXXX plus to XXXX. They are saying that I breached our agreement, and I 'm now in default. I pay them monthly electronically, so I won.t default. The letter says I have n't paid XXXX or XX/XX/XXXX, my payments are not being applied to the account, because of these same taxes from the being of this loan. They say have not been paid. 
I 'm not responsible for those taxes, per the settlement statement. The title company XXXX XXXX took those payments, and made them to the tax department. I am sure, that the same thing is going to happen with the XX/XX/XXXXtaxes, being as this has happened, every year since this loan was established.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: NC

Complaint narrative:
I have a loan with ACS education. I recently asked for my original loan papers as mine were lost in a hurricane. They sent me a one page form without my signature, no interest information and on top it said one loan for XXXX and one for XXXX. That is a total of {$4800.00}. I graduated in XXXX and have been paying each month. I did have a period of relief due to unemployment. But my amount is around XXXX per month for a least 5 years. That is XXXX. They say I still owe over XXXX. Recently to add insult to injury I get a bill from XXXX ( who is XXXX ), I look it up and it is associated with ACS. DO I pay the Conduent bill or ACS, how do they decide etc. I need original signed ( by me ) paperwork on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
I am asking you to have consideration of me, I had a work orientation but my condition is a little bad for this moment I am treating myself because my medical condition is not well ; I am having a lot of chest pains and I had problems in the past with my hearth and for that reason I cant continue with the orientation of the work because my health is first. 
I understand that it is my responsibility to comply with the car loan, it is my only transportation and I have frequent medical appointments, I am not refusing to pay. 
I 'm just asking you to remove all the late payments move it to the end of the loan, just defer all the late payments please to start everything without any problem in XXXX XXXX, since I had to make some mechanical work to the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I made a purchase using care credit at or around XX/XX/XXXX. Synchrony Bank took over Care Credit and my account. The original agreement was that if I paid off the balance within 18 months, ( which is pretty unrealistic considering the amount of the purchase ) there would be no interest charges. My understanding was after 18 months you will be charged interest on NEW purchases. Well after that 18 months I was billed over {$3000.00} in interest which put my account OVER the credit limit. I continued to attempt to pay down my balance. My problem now is IF I was billed for the interest on my purchase already how am I still being charged interest if my account is closed and there are no further purchases made? Synchrony Bank has hidden fees and over charges on interest. My interest charge monthly is very close to my minimun payment which makes my balance go NOWHERE! I requested some type of settlement in order to help get it paid off, but they declined to assist. I have paid on my balance on time every month since XXXX. They would rather collect your money because they are a TERRIBLE business with unrealistic business practices. All they say is to read the credit card agreement which no where states that you will be double charged on interest. Never use this company!!

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 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin Collection Services has placed a collection on my credit report without notifying me 5 days prior of my right to dispute this debt. This debt has been added and constantly removed from my credit reports as I do n't have knowledge of this debt. It keeps being sold and reported without my knowledge. The law states that a debt collector MUST notify the consumer 5 days prior of their right to dispute and Franklin Collection Services failed to do this which is against the law. I have no knowledge of this account and do n't have a contract with Franklin Collection Services or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Prior to XXXX XXXX, 2017 I reached a settlement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an account held by XXXX XXXX. I received a letter of satisfaction for the settlement and have asked that my credit report be updated to reflect this is no longer derogatory. Twice I have requested this and both times I received a report in the mail stating the information is accurate and will remain on my credit report. I have contacted both companies, XXXX assures me this account is settled and closed and that they did in fact notify XXXX XXXX twice. Any time that I have called XXXX XXXX they refer me to XXXX. I am getting nothing more than the run around and it is very frustrating.

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 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted XXXX on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to XXXX XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX by a representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that XXXX XXXX had reported my account as Deliquent 30, 60, or 90 ... 
Now my Credit Score went from XXXX to 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 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Good Afternoon, My name is XXXX and I am upset with Ditech Financial because of the reason ( s ) I was denied for a loan modification. I am not going to go into detail about my illness but I will say that I do not make the same salary as I did when I was not sick. At my illness progressed, I stopped working and currently rely on XXXX and rental income. I sent all the proof along with my loan modification application. 
In the denial letter it is stated that the hardship is not temporary or resolved but where in the guidelines is it stated that a hardship has to be temporary in order to obtain a loan modification? Then they say that I have exceed the amount of modifications ; XXXX XXXX guidelines state more than 3 ; I have only had 2 and that is because I was not aware of how serious my physical health was going to be affected along with my income. 
I do not ant to lose my home! PLEASE HELP ME!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has confirmed that my personal information was apart of the XXXX Breach. I notice that I have XXXX inquiries showing on my Experian credit report that I did n't authorize and they are the following : XXXX XXXX (XX/XX/XXXX ) and Onsite Manager ( XX/XX/XXXX ). I am requesting that these inquiries be removed as they were unauthorized.

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 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Debt Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with XXXX XXXX XXXX, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX, XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX 's recent breach caused major concern ). The representative stated that this debt opened in XX/XX/XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XX/XX/XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Multiple inaccuracies on my credit report. Old and outdated information or items that should have been removed. I dont recognize a few items on my report, and Im trying to repair my credit so its very frustrating

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 2017-11-21 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: AES/PHEAA
State: MI

Complaint narrative:
I applied for PSLF and selected my preferred plan ( and only plan that I wanted to be placed in ) as PAYE. This was in XXXX 2017. I submitted all of the required documentation. I had not heard anything for over a month. Then I submitted a consolidation application. After that, I had a payment that became due ( after my grace period ) for XXXX on the standard repayment plan ( for over {$2000.00} ). I chatted with a rep at XXXX, who said that my consolidation application is what put me in the standard repayment plan, and that I should delete my consolidation application to be put in PAYE in time for my  payment due date. So I did that. 

Then I still remained in the same standard repyament plan, owing over {$2000.00}. I then received an email that I was not in a good repayment plan for PSLF as I would have nothing forgiven ( if I continued to pay in the standard repayment plan ). So I called XXXX to discuss in person, and this time they told me that when I deleted my consolidation application ( as I was instructed to do, because I was told it placed me in the standard repayment plan ), that my PAYE request was deleted ( even though I had applied for PAYE separately and months prior to my consolidation application ). 

So they told me that they now have to re-process my application for PAYE. I still have a payment posted for over {$2000.00} on XXXX ( in one week ). But they told me to just ignore that and not pay it, as once my application is complete it will un-do the previous payment that was required, and that they do n't report people for deliquency until 90 days, and that my app will be complete by then so I will not have to worry.

Company response to consumer: Closed with explanation