vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 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: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the XXXX XXXX, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX-XXXX with a XXXX-XXXX of {$970.00}, since they were the ones who provided me with a copy of my XXXX-XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my XXXX and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX XXXX means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX XXXX of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX XXXX XXXX of {$970.00} on it with the balance to be paid by XXXX. 

What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the Emergency Room, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX  with a Spend-Down of {$970.00}, since they were the ones who provided me with a copy of my XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my Spend-Down and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX Spend-Down means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX Step-Down of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX Step Down of {$970.00} on it with the balance to be paid by XXXX. 

What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: OR

Complaint narrative:
Capital One does not allow their account to be accessed through third-party services that advocate for their customers to help reduce costs and hold companies accountable to their own policies. I have a right to this service and to fair representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: MO

Complaint narrative:
I attempted to open a Discover checking account on XX/XX/XXXX and I was denied based on a composite score of my last 10 years of public records provided by XXXX. I do not owe money to any bank, nor have I ever been reported to XXXX for owing money to a bank in my entire lifetime, but I was denied based on the following characteristics of my past 10 years of public records obtained from a report by XXXX:1) Time in Months at Inquiry Address2) Number of address changes reported in the last 12 months3) Number of address changes reported in the last 60 months3) Number of Properties owned4) Wealth Index5) Total number of non-derogatory public records6) Total number of derogatory public records7) Total in months since most recently recorded derogatory public record8) Total number of lien records (both filed and released)9) Total number of released liens10) Total number of bankruptcy filings11) Total number of evictionsTo this, they assign me a score based on public records and Discover Bank, while giving me an unsecured credit card, refused to open a DEPOSIT ACCOUNT based on this worst possible score as presented by XXXX. Discover bank refuses to allow me to appeal this decision, nor do they offer any kind of appeal process for those who are denied. They are simply denied until public records improve without chance for appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I am a XXXX XXXX in XXXX XXXX. I have student loans through navient for my XXXX. I have been contacting the program for the past 2 months about processing a deferment for my loans. They have continually placed obstacles ( e.g. saying forms are n't legible, that previous customer service representatives I spoke with did not document requests, etc ). Recently I submitted a third deferment form 2 weeks ago. I called on day 14 asking for an update on the processing which I was told would be 5-7 business days. They then told me the form was again not legible so I was put on hold only to have them state that there was a mistake and the form was actually legible. So I was told in about 3 days from the call the form would be processed and a decision on deferment would be made. 

After three days passed, I called and was told that the request for form processing three days prior was n't put through and only that my complaint was put through about wanting my form expedited. So the next person I spoke to said that if I did n't hear back next week to call. It is now been 2.5 months of me trying to have a one page form with 14 lines of information processed to defer my loans during XXXX. This has been an impossible task and I really hope this is heard..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: MI

Complaint narrative:
Incorrect info. CR agencies not consistent. Judgements are not off all CR.

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 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX I DO NOT KNOW ANY OF THESE COMPANIES I HAVENT DONE BUSIINESS WITH THEM I MIGHT HAVE BEEN A VICTIM OF IDENTITY THEFT ...

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 2018-01-06 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Other than a record of correspondence and interest in a loan product on XXXX XXXX & XXXX 2016 the response provided no proof of my intent to apply for a loan through Quicken loans. It is my position that no soft or hard loan application form was ever filled out and therefore submitted on my behalf nor was any permission given to perform a hard credit inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: GA

Complaint narrative:
I am writing regarding a release tax lien that is being reported on my Transunion credit report as docket number XXXX for XXXX.the lien has been released since XX/XX/XXXX. I have made efforts with filing  numerous investigations and disputes online, by phone in efforts to have this inaccurate information removed with Transunion, and it came back as accurate. Under the new law effective XXXX XXXX every public record must include name/address/Ssn/dob in order for it to appear on your credit file. Transunion refuses update their information and per the new law regarding tax lien the reported information does not comply with the new law and should be deleted off of my credit report. I have exhausted all efforts In resolving this  issue with Transunion as my outline regarding the law has gone ignored. Please help.

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 2018-01-06 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: MI

Complaint narrative:
Incorrect info. CR agencies not consistent. Judgements are not off all CR.

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 2018-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: American Credit Acceptance, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and I found that American Credit Acceptance had filed a derogatory report on it. OnXX/XX/XXXX I called them to look into the problem and they said I had ton file a form on line. ON XX/XX/XXXX the car in question had been destroyed in an accident and it was not my fault. the car was deemed totaled the insurance company. On XX/XX/XXXX they were paid off and they also had gap insuranceto cover any gaps as far as pay off. I want them to remove this from my credit report but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra Recovery repeatedly harasses me for a collection on behalf of XXXX XXXX. They call constantly even after I requested they stop. I have disputed this on my credit reports numerous times with no results. In researching this company they do not have an office in Texas the state where I reside and  are not a registered agent as required by TX Secretary of State and should be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
After I log into the Capital One corporate website ( https://www.capitalone.com ), a screen appears that says:"Your account needs attentionFederal law requires us to add your business Employer Identification Number (EIN)Please call us at XXXX-XXXX-XXXXReference offer ID XXXX"HOWEVER, the phone number provided ( XXXX-XXXX-XXXX ) is listed by XXXX Search as being a FRAUDULANT NUMBER, asking all kinds of questions about whether the card is active or not, etc.I first received an e-mail a couple of months ago, checked the phone number out, and DID NOT provide any information.NOW, TWO (2) months later, this same FRAUDULENT NUMBER Appears ON CAPITAL ONE's OFFICIAL WEBSITE AFTER I log into the website using my credentials that have been set up for me on the site – for a long time….After being on hold for over an hour Friday, XXXX XXXX, 2018, I  was finally transferred to a “Fraud Department Supervisor” who did not provide her name in a legible manner. She continuously said that the “Offer Number” was valid and that the phone number was valid, so I was wrong about the fraud. Of course the Phone Number was valid. That has never been in dispute. What is in dispute is who answers the phone and what they do with the information once they get it.I no longer have ANY faith or confidence in the Capital One Fraud Department and desire the CFPB Office to take appropriate action before an unknown number of Capital One Business accounts get scammed and their businesses get ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XXXX XXXX and XXXX XXXX I conducted a Bank Wire Withdrawal with Coinbase App. Coinbase did not imform me they were having delays with their Bank Wire option and charged me a service fee of {$25.00} for each Bank Wire. 

On their website it states bank wires are immediate or 1-2 business days unless submitted after XXXX. Well its XXXX XXXX now and I still have not received my monies from them. I have communicated with them VIA phone call. After hour long hold, they did not give me an estimate on when I will have my funds released to me from them. I have opened to escalation tickets and no replies from them. I have even tried getting their attention on XXXX and no replies back on the matter. 

I am waiting for {$570.00} in total. When I first spoke to a Coinbase representative on XXXX XXXX they stated that the only thing they can do is escalade the matter. I requested a refund of the two {$25.00} wire service fees but was denied. The second time I called on XXXX XXXX They told me they are having small delays and I should have my monies soon but could not give be a solid estimation. On their website by time it stated they are having 1-10 business day delays on wire withdrawals. The third time I called I got the same information, they do n't know when they will have the monies in my bank as promised before. 

Its been 20 business day Coinbase has not paid my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have unauthorized inquiries on my report that TransUnion failed to remove after dispute sent on XX/XX/XXXX	These were not authorized inquiries XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX/XXXX XXXX XXXXXX/XX/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 2018-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Will not release my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: Ocwen Financial Corporation
State: LA

Complaint narrative:
OCWEN Loan Servicing LLC serviced my loan from XX/XX/XXXX until I sold the property to an individual ( not a bank ) in XX/XX/XXXX. Last week I applied for a new mortgage loan with both XXXX XXXX XXXX bank and XXXX XXXX XXXX and was declined by both due to a foreclosure reported on my first and second mortgages by OCWEN on XX/XX/XXXX. When the banks ran the application everything on my credit looked fine and I was pre-approved, but when the banks submitted the application into XXXX XXXX, that is where the incorrect foreclosure information was found. I made my mortgage payments when I was able and sometimes they were late, but my loans were NEVER foreclosed upon. I did receive some threatening letters from OCWEN at times when I made late payments, but I was never notified of a foreclosure process or served with any type of legal papers regarding a foreclosure. This information is completely false and I have requested that OCWEN have this false report removed immediately. I am still awaiting an answer from them if this will be done. Unfortunately since the false foreclosure is not showing on my credit report and only in the XXXX XXXX software, I am unable to dispute it with the credit bureaus. I have also accessed my entire payment history with OCWEN and compared to the information they reported to the credit bureaus and there are numerous payments that have been inaccurately reported. For your reference, I have attached a copy of my payment history with OCWEN, a copy of my credit reports with payments reported by OCWEN, as well as a spreadsheet with what I believe should be the correctly reflected for each month that I had a late payment. Please let me know if you will need any additional information to research. Thank you very much!

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 2018-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a Smart Advantage checking account with BMO Harris on XX/XX/XXXX. The account advertised a {$200.00} Bonus if I had 2 Direct Deposits, each $ 300+, post within 90 days of account opening. I made these direct deposits, as well as returned my signature card, and complied with all other requirements of the checking account. There were no monthly fees and no minimum balances associated with the account. On XX/XX/XXXX, I inquired via eChat about the status of my bonus. I was informed that my account was closed on XX/XX/XXXX, without consent from me or even any communication from BMO Harris on its intentions to close the account. I asked to reopen the account and receive my bonus. Both requests were denied. I have attached a PDF picture of my account status, a quicken format of all account transactions, and a script of the eChat between BMO Harris and myself concerning the account status.

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