vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am on a rate reduction program with Navient to pay back my private student loan. In order to be on this program you have to re-certified every 6 months, but the problem is the rate reduction program is not an income based program and even though the interest rate has decreased, my loan balance is not going down its continuing to increase along with my payments. I asked the customer service rep ( CSR ) if there are any other programs that I can apply for because the payments are getting to high for me to afford. The representative said no this is the only program for private student loans. The interesting thing is I asked the CSR what my remaining balance was on my student loans and she gave me a balance that was higher than my balance when I declared bankruptcy in XX/XX/2010 because they are adding so much interest to my loan. Navient is unconcern with customers who are actually trying to pay their loans back, they are continuing to increase rate as well as my payment which I can no longer afford. I do have to live and I have other obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS TRANSACTIONS. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 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: FL

Complaint narrative:
I am requesting for XXXX, XXXX  and Transunion to add my contact number in the written section of my credit report located under the fraud alerts. This gives companies the opportunity to contact me to confirm my identity i anyone or myself applies for credit. Without this contact information banks and credits automatically deny any applications done by me. Also I want to be contacted in the future by any creditor if anyone tries to apply for anything in my name. I am requesting for the written security alert on my credit file to say Due to past fraudulent activity a security alert has been added to the consumers report/ file. In order to verify an application has been made by the consumer. Please contact the consumer first at ( phone number ) before considering.

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 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
The debt was paid directly to XXXX XXXX but it is being reported by this company on 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 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is a follow-up to complaint filed under XXXX. A representative ( XXXX ) called and left a number with her extension, XXXX, ext XXXX. This representative called on XX/XX/XXXX at XXXX. She stated that she was calling from Capital One 's executive offers regarding a concern I had. 

I have attempted to reach her at this number 5 times, some of which I left a voicemail. During my last attempt, today XX/XX/XXXX at approximately XXXX, once given the option to press 1 to dial an extension, there was no option to do so. 

It appears that the company is not genuinely interested in resolving this matter, rather pacify CFPB and me, the consumer, with a message from their " executive office '' with no intent to return a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HEAD MERCANTILE CO., INC.
State: SC

Complaint narrative:
Between XXXX and XXXX of 2018, I received a call from another XXXX XXXX located in Utah stating he was getting collection calls and mail for me regarding a medical debt. Somehow, this person was given my work direct line which was likely provided by the collection agent, and called me directly at work to notify me of the collection. I hadn't received ANY mail from this entity, so this was the first I'd heard of HMC group. 

I contracted HMC group directly and advised them that we'd actually spoken to the hospital and our insurance provider directly, and our insurance told us this should've been covered and no balance remaining, so we put our insurance into contact with the hospital in Ohio. We didn't think anything of it as we thought it was handled. I explained all this to the collection representative. At which point, a manager ( male ) took over the call, and asked how I wanted to resolve it. I explained the situation again to him and advised him I've received NO mail from them and asked them for validation of debt as I believed this was handled by our insurance provider. He ignored my request and continued to forcefully ask how I wanted to resolve. I told him I'm not doing anything until I receive mail from them and asked them why they were intentionally contacting the WRONG person when they likely already had my contact information. He got defensive and said if I'm not paying it will continue to damage my credit. Note I track my credit on XXXX  XXXX and hadn't seen any medical debt notices, so I advised him it's not on my credit ( turns out XXXX  doesn't report to XXXX XXXX, which is why I didn't see it ). He said he was going to personally 'make sure ' it's reported to my credit bureau then and then he hung up on me. 

So, in short, they're guilty of the following : - intentionally calling the wrong XXXX XXXX on the west coast in Utah and mailing my personal information to this other person, and providing my work direct line for this other XXXX to call me at work. 

- threatening and following through on actually reporting the debt to be CBR without providing any mail to me, or validation of debt which I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I recently learned that my personal information was used to open accounts at Citibank. I did not open or authorize this account, and I therefore request that it be closed and remove out of my credit report immediately. I also request that Citibank absolve me of all charges on these accounts, and that you take all appropriate steps to remove information about this account from my credit file. 
After I contacted Citibank, they said that the above accounts were being paid form a bank account that had my name on it. However, this account has been closed by the bank because it was also fraudulently opened.

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 2019-06-28 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: NY

Complaint narrative:
I disputed through XXXX XXXX because transunion will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my transunion credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a zero balance on the XXXX XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.

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 2019-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
CLOSED ACCOUNTS SHOWING OPEN! EQUIFAX IS NOT DOING THEIR JOBS OVER THERE! THERE ARE TWO ACCOUNTS CURRENTLY SHOWING OPEN ON MY CREDIT FILE, THAT ARE IN FACT CLOSED!!! I SPOKE TO THE CREDITOR, THEY HAVE CONFIRMED IN WRITING THAT THEY REPORTED MY ACCOUNTS TO EQUIFAX AS CLOSED! BUT EQUIFAX HAS NOT PUT IT IN CLOSED STATUS GOOD STANDING. THE FEDERAL GOVERNMENT NEEDS TO AUDIT EQUIFAX FOR NOT FOLLOW THE FCRA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 I made an online purchase from XXXX in the amount of {$320.00} which was charged to my American Expess Serve Pre-Paid Debit card ending in # XXXX. They had to order it for delivery to the local store for pickup by me. On XX/XX/2019 I picked up the items from the local XXXX XXXX XXXX # XXXX. I was remodeling a bedroom and wasn't ready to install the closet bi-fold doors yet ( The items I picked up ). When I was ready to install the doors I opened the packages and discovered that 1 of the doors was damaged and both doors had a very poor finish and were not of satisfactory quality. On XX/XX/2019 I returned both bi-fold doors to the local XXXX XXXX XXXX  # XXXX for a refund of the purchase price of {$320.00} to be credited back to my American Express Service re-Paid Debit card ending in # XXXX. On XX/XX/2019 I received an email from American Express Serve stating my Serve Account ending in # XXXX was suspended due to " one or more credits were issued on your account that did not have a corresponding debit ''. This was a plain fraudulent misrepresentation. I have printed documentation from the Serve website regarding my transaction history which clearly lists both transactions. I called them numerous times since XX/XX/2019 to request this problem be corrected and was told they would submit my request to their " BACK OFFICE '' for review. Each time I have called I receive the same response. In addition I am told there is no time frame for this to be resolved and that I would receive an email from the " BACK OFFICE '' as soon as it is resolved. On XX/XX/2019 they restored the funds back to my Serve account # XXXX, however they locked the account so I would not be able to withdraw the funds and cancel my account. They told me it was still under Merchant Transaction Review. They have taken 11 days not to review this transaction and clearly can see it in my transaction history. The only method of reaching the Serve Card Team is by Phone to XXXX which connects me to the XXXX, Account Protection Service. There is NO USA number to call and reach someone who can resolve this issue. The customer service number on the card goes to a voice mail prompt asking what type of problem and never connects to a human being. It is now XX/XX/2019 and I am still waiting for my email from the " BACK OFFICE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: FL

Complaint narrative:
The three credit bureaus are reporting a medical claim from XXXX XXXX XXXX XXXX that is being falsely reported by a third party. Please see the attached communication form XXXX XXXX XXXX XXXX XXXX Legal Clerk, XXXX XXXX addressing the fraudulent reporting of this matter by XXXX, Experian and XXXX. 
I believe these three companies have targeted me as an XXXX XXXX in attempt to harm individuals such as myself by allowing such false information to be reported to cause financial harm.

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 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I have 2 mortgages I just refinanced. The mortgages were transferred to this company. This company is a joke! 
Everything I am saying below occurred on XX/XX/19. 
I went to sign up on their website which is completely archaic. It wouldn't let me sign up without emptying my Cache on my computer. I have never heard of such a thing. Then I got signed up for one of my loans but it would not let me pay the loan through the website. So I didn't bother to sign up for the second mortgage. Then, I called them to pay my loans and they said the wait time was one hour and there was no way to leave a phone number for someone to call you back. So, I am going to pay my loans by snail mail and hope they apply them correctly. They have 500 one star reviews on XXXX. They're acting like a mismanaged, dysfunctional company and now I don't trust them to handle my personal information correctly. I wish you would investigate. 

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 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Collection agency- Southwest XXXXecovery Services,XXXX  XXXX XXXX , XXXX, Tx XXXX , continues to call ( using Robo caller ). 
Called this date ( XX/XX/28 ), @ XXXX Pm. 
This collection agency was notified with a Cease & Desist letter, weeks ago. 
I have received numerous Robo calls originated by this collection agency. 
Received a threatening call concerning a Medical claim that came from Southwest recovery- This is in violation of the Federal Fair Debt Collection Act!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I requested the validation of debt with ARS. I recently received a letter back stating that they contacted their client and they verified the debt. And at the middle part of the letter, they listed out the debt, provider, amount of the bill and the date ( which clearly shows that the debt is out of the statute of limitations to collect. 
The does state that they will continue to report as delinquent on my credit report. The funny thing about this debt, Is I don't know any more about this debt and this collection company re-age it, so it looks like a brand new collection on 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 2019-06-28 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: NY

Complaint narrative:
I disputed through XXXX XXXX because XXXX will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my XXXX credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a XXXX balance on the XXXX XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: NY

Complaint narrative:
I disputed through XXXX XXXX  because XXXX   will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my XXXX  credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a XXXX balance on the 2016 XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.

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 2019-06-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I lost my wallet twice once a couple of years ago and sometime ago, Someone must've gotten hold of all my information and created so many fraudulent accounts, under my name. someone told me about creating an account with XXXX so I can check my credit. when i saw the thing that was on my credit report i quickly made a police report and i also contacted the creditors. Im still waiting on a response from. 


thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services
State: KS

Complaint narrative:
I received a bill on XX/XX/2018 for {$120.00}. The bill was placed for collection from XXXX XXXX XXXX XXXX. 

I currently have an open grievance with my insurance provider, XXXX XXXX XXXX XXXX, regarding the quality of care that I received on this visit. I am in the process of filing a complaint with the state board of healing in Kansas as well. 

I discussed the problem with an administrator months ago. Her name was XXXX XXXX, and her e-mail is XXXX. I have saved the e-mail correspondence and can provide it for your records. 

I am disputing this charge. Do not contact me at my residence or my cellular phone to attempt to collect this debt. I am also filing a complaint with the Kansas attorney general and the CFPB. I will happily supply the e-mail correspondence for your records that details what they did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The three credit bureaus are reporting a medical claim from XXXX XXXX XXXX XXXX that is being falsely reported by a third party. Please see the attached communication form XXXX XXXX XXXX XXXX 's Legal Clerk, XXXX XXXX addressing the fraudulent reporting of this matter by XXXX, XXXX and Trans-Union. 
I believe these three companies have targeted me as an XXXX XXXX in attempt to harm individuals such as myself by allowing such false information to be reported to cause financial harm.

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 2019-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The three credit bureaus are reporting a medical claim from XXXX XXXX XXXX XXXX that is being falsely reported by a third party. Please see the attached communication form XXXX XXXX XXXX XXXXXXXX XXXX  Legal Clerk, XXXX XXXX addressing the fraudulent reporting of this matter by Equifax, XXXX and XXXX. 
I believe these three companies have targeted me as an XXXX XXXX in attempt to harm individuals such as myself by allowing such false information to be reported to cause financial harm.

Company response to consumer: Closed with explanation