vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
After an emergency room visit on XX/XX/XXXX, to which I was admitted, I was not told I would receive bills from each and every person I came into contact with. But, I did. It was a learning experience. However, upon receiving the hospital bill, I applied for financial assistance, since I am a XXXX XXXX XXXX XXXX with limited and infrequent income. My insurance only covered a portion of the total bill. When the emergency room physician bill came in, ( which was higher than the actual hospital bill, approximately {$1100.00} ) I contacted them to make arrangements to pay what I could. I also told them I had applied for financial assistance and they said to forward it to them if and when I was approved. It took several months before I was approved, but in XX/XX/XXXX, I received the letter for 100 % financial assistance, good for 6 months. 

I stopped receiving statements shortly after I began making payments to XXXX XXXX XXXX. I didn't have an account number or address to send payments to, until I contacted my insurance company to get the information from them. 

I mailed in a payment on XX/XX/XXXX and received a collection notice from Affiliated Creditors dated XX/XX/XXXX. I called the billing department of XXXX XXXX  XXXX XXXX and was told they would not accept the financial assistance approval letter because I was in collections. It seems to me that these outside billing companies are determined to not accept payments and will readily hand them over to collection agencies so they don't have to honor their agreements with patients. 

ACI called me on XX/XX/XXXX. I have not returned their call but will be sending them a certified C & D letter. I continue to make payments to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I looked online on Experian site ( Member ID XXXX ) and it said I have 1 late payment ( 60+ days ). I requested my credit report and it shows that all my accounts are current and I have no late payments. I called Experian and they confirmed that I don't have any late payments. Representative I spoke with said he'll send an email to their technical department to look into it. Because it is clearly a computer error.

It is been a month and nothing is fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America is clearly ripping people off with their fees. This does not take much effort to discover this. I was charged three {$35.00} fees in one day for a {$8.00} transaction. This timeline does not make sense and it is my experience that BOA has minipulated the time of the transactions in order to acquire the fees. Not only have they faced multiple lawsuits for this, every customer will tell you that they are a shady company. It becomes even more clear when you compare their way of doing this to other banks. Someone must stop BOA from what they are doing. I believe that they dont care about the small lawsuits because they know that they will make 10 fold from the same scams.

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 monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: North Shore Agency, LLC
State: WI

Complaint narrative:
Well over a year ago I was sent a book in the mail from XXXX XXXX. I had subscribed to their magazine for my elderly mother. I did NOT open the package and marked on the outside of the package, " Refused! Return to Sender. '' Since then I have been sent a bill, at least once a month, for the book in the amount of {$27.00} from a collection company, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, NY XXXX. I didn't order the book and I returned it and I will NOT pay for something I did NOT order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A checking account was opened at XXXX XXXX XXXX in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.

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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A checking account was opened at XXXX XXXX XXXX in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
I need to file a complaint on behalf of sunshine credit services they keep sending me statements claiming that I owe a XXXX Bill 1st of all I have never had a XXXX account I sent this company a debt Validation letter they replied back with copy of some bill statement again I have never had a XXXX account I have asked this company to please send me a credit application that was used to open this account with Signature attached., But that was Not included also this company has been calling a co-workers Of mine at XXXX Not sure how they are getting her number I also asked them to please remove her number from their call list. Also if you have placed any info on each of the credit reports please remove the items from my credit File If you are unable to send me a credit application Please defer this account back to sprint so I can dispute this item with them as well.

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 2019-03-19 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:
XXXX, XXXX  and Transunion are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed from my credit report.

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 2019-03-19 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: FL

Complaint narrative:
XXXX, Experian and XXXX are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed from my credit report.

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 2019-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
The XXXX XXXX XXXX took over my student loans at my request, in order to lower the overall monthly payments. Each month for the past three years, I have paid the minimum amount due, and most months I paid more than the minimum. However, rather than applying the excess amount to the principal, XXXX put in into the interest payments. So with a total of almost {$50000.00} at 4.525  % interest, my principal has not gone down at all, but the amount of interest I owe has increased. At this rate, I'll never get the loan paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
my mortgage was purchased by Mr. cooper from XXXX on or about XX/XX/XXXX. my taxes were escrowed and to be paid by the mortgage company. The taxes due on XX/XX/XXXX were not paid by either company. I have now received a letter dated XX/XX/XXXX from the XXXX County Indiana auditor where they will start garnishing my wages XX/XX/XXXXdue to these unpaid taxes. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX without any success in finding out when this issue will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been denied credit because the creditor can not access my Equifax credit report and score. The creditors were able to obtain my XXXX  and XXXX files with no issue. I have contacted Equifax on several occasions over the phone to resolve this issue. I am in the midst of a home acquisition process, and the mortgage officer needs the 3 credit scores to proceed the home loan approval. So, TIME IS OF THE ESSENCE. 

This problem started in early XX/XX/2019 when I initially tried to pull my Equifax report from XXXX. The website asked me security questions totally unrelated to my credit history ( loans that I never had ), and afterward informed they were unable to access my file. So, I tried to pay and pull my credit file directly from Equifax website, with no success ( had the same identity verification issue ). So, I decided to call Equifax Global Customer Care ( XXXX ), which requested me to e-mail ( XXXX ) a cover letter with personal data, copy of DL and SSN in order to verify my identity, which I promptly did on XX/XX/2019, XX/XX/2019 and XX/XX/2019 and ( Case # XXXX, Case # XXXX, Case # XXXX ). 

A couple of days later after many back and forth e-mails and getting no response, I called the CSR back again, and I was advised that I should MAIL or FAX, and E-MAIL was not acceptable ( which made me wonder why the customer rep requested me to email the docs in first place ).

Again, I promptly did and faxed Equifax my DL, SSN and other personal data ( DOB, address, phone number ) on XX/XX/2019. Equifax mailed a confirmation letter # XXXX on XX/XX/2019 acknowledging the receipt of the cover letter and informing my credit file was updated with the information I provided. 
At that point, I thought the issue was resolved, but after a couple of weeks, I tried to pull the report with no success. For the 3rd time, I called the Global Customer Care on XX/XX/2019. The customer rep informed they received my cover letter, but my credit report was still unavailable (???? ), and to make things worse, the CSR requested me to mail AGAIN a cover letter! 

I did it again on XX/XX/2019. This time I attached several bills ( gas, electricity, water, internet, credit card, mobile ) with variations of my Last Name. I wonder if this issue is because as I have 3 last names ( FirstName Middle1 Middle2 Suffix ) and Equifax report only considers 1 last name ( FirstName Middle1 ), while XXXX  and XXXX  consider my all 3 last names.

So, I am being diligent and taking all types of actions on my side to resolve this issue as quick as possible. I am tired of sending them letters, personal documents and nothing seems to move.

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a Synchrony Bank/Walmart Credit Credit opened XX/XX/XXXX and closed around XXXX I believe. At the time of closing this account there was a major problem, my issue was this account was paid in full at the location in XXXX, Maryland. The payment that I made didn't post to my account until 3 days later. When I call the Customer Service my payment disappeared Walmart Customers Service said there were having system problems. My credit card account end up going to collection. I recently received a check from Synchrony Bank/ Walmart saying that they issuing me a check for overpayment.

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 2019-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: KY

Complaint narrative:
In XX/XX/XXXX I attended XXXX university, now XXXX for one quarter from XX/XX/XXXX to XX/XX/XXXX. I was awarded 2 private student loans in the amount of XXXX and XXXX for the year. However, only XXXX and XXXX was disbursed, the remainder of the loans was cancelled. The loan was serviced by XXXX XXXX / XXXX XXXX  later sold to XXXX XXXX. XXXX XXXX reports the full amount of each loan on my credit report under their name with false originating dates, I have not been able to contact anyone from their companies. The loan was then sold to XXXX upon logging into navients website I obtained loan history showing payments of XXXX, they also are reporting to bureaus that the loans were late, incorrect amounts and dates. The loans again were sold to ECMC in XX/XX/XXXX I was then garnished via wages and tax offset in the amount of XXXX. They also show negative marks on my credit report for the same loan, some late payments overlapping each other on different lenders for the same debt ( which wasnt even the correct debt. ) I have contacted both ecmc and XXXX   requesting documentation of payments etc. I had to acquire them myself on their website, they also refused to help correct my credit report errors and advised me to call the bureaus directly. I paid a total of XXXX ( to my rough calculations ) to 2 of the 3 lenders that had these 2 loans. Now I understand interest accumulates, but I never had any correspondence advising of the new debt holders, I had been in deferment for some time as well.

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 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
I have been trying to resolve this for months! On XXXX19, I contacted the original creditor who found that this billing was handled through my Medicaid benefit and was involved in litigation. The original creditor contacted the debt collector who had the item removed from my XXXX  credit report but refuses to remove it from my XXXX  credit report. The debt collector insists that they can not remove the debt no matter what proof I offer up. XXXX   has supposedly investigated this item twice and also refuses to review my disputes thoroughly to find this error and correct it! I have never received a bill for any of this as the bills were sent to Medicaid and my attorney. Additionally, my attorney has attempted to get this resolved through the original creditor as well as the debt collector. This should not have been reported to collections and debt collection should not have been pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
For the past 4 years, Wells Fargo has been holding deposits longer then reported and not reporting their transactions through their online banking the way that they are processing them through their server. This has caused my account to go into the negative which then caused several overage fees. 

In XXXX of XXXX, my account was compromised and I was told that they could not prove that the disputed charges were not mine. That was all of the response I was given. 

Also, in XXXX of XXXX, my then XXXX year old daughter opened a checking account that was linked to mine. In XXXX, the month that she turned XXXX, she was then informed that she " Had to open a second account '' as well because now she was an adult and could not have an account shared with me. She did not know any better and agreed to having two accounts because she was young and did not know any better. They pressured her and she continued to have that account for four more years, paying fees and getting random charges. Then one day, the bank closed the account. No notice, No warning. Just closed it. Causing automatic withdrawals to be returned and her to get charged fees. This was roughly the same time that Wells Fargo was caught opening fraudulent accounts. This leads me to believe that they were trying to hide the fact that they created this account in the first place. 

I have called and fought countless times. When you ask the customer service representative to many questions, they repeatedly tell you that they are sorry your frustrated but never really give you a clear answer. When you ask that they elevate your call, the average wait time is 30 minutes. I am moving my banking but believe that this is an ongoing practice to increase fees for the bank. 

It is a predatory practice and one that needs to be recognized for what it is.

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 2019-03-19 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payment on the date below : 30 days late as of XX/XX/ 2018 ( All 3 Bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only  thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief