vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I had a medical bill that was turned over to Medical Data Systems for collection. I paid the debt, but they are refusing to notify the credit bureaus of the XXXX balance. They told me they would mail me a XXXX balance letter, and it was my responsibility to notify them. If they zing your credit when they receive the account, should n't they be required to notify the bureaus when the debt is paid?

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 2017-05-09 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: OH

Complaint narrative:
There is a medical collection from 7 years ago still listed, it was an error reported  XXXX  states  XXXX  which is not accurate I fought this and insurance paid back in   XXXX   this is a violation of my rights and not even verifiable why is Equifax still listing it. Requesting removal ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 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: I.C. System, Inc.
State: NY

Complaint narrative:
furnished unverified account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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:
Upon ordering a copy of my credit report, I see an entry listing Bankruptcy Chapter #  XXXX . According to FC RA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from  the consumer credit file.   The United States Bankrup tcy Court DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personal id entifiable information reported.   However, credit bureau actively searches public records for any judgments and tax liens through third party research.

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 2017-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc.
State: NY

Complaint narrative:
Vital Recovery Services , a debt collection agency, keeps calling me to collect on a matured auto lease. I have informed them multiple times that the account has been paid in full and closed ( which I confirmed with auto fina nce company ), but t hey will not listen and keep calling to hassle me. I told them to contact the auto finance company directly to sort out the issue, but they have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Order a  free trial and paid shipping and handling.  Company has  automatic charges start after 18 days and did not send any new product s. Company th en said the {$110.00} charge they charged us for was for the trial. The advertising says free trial just pay {$4.00} f or S & H. T he company is bogus and has tons of complaints on  Internet.  My credit card company of 20 years will not credit us the charges that we filed as fraud. Citicard managers do not understand they just lost a long term great client to back a bogus money grabbing compan y. Citicard  will not be used in our house again.

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 2017-05-09 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I closed an account and the balance still showing on my credit for an amount of {$2300.00}. I would like this mistake to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Certified Credit Associates, Inc.
State: TN

Complaint narrative:
Had been receiving threatening calls about debt owed to an apartment complex. Asked if wanted to make payments and was told if I did not that I would be sued and it was about to be taken to court.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated
State: NJ

Complaint narrative:
on    XX/XX/XXXX       XXXX   XXXX   XXXX   XXXX    address   XXXX   XXXX   XXXX   XXXX  , new jersey  XXXX  Phone number  XXXX , filed case against me case number   XXXX   XXXX   in   XXXX  county  on beh alf of UNIFUND CCR, addr ess   XXXX   XXXX   XXXX   XXXX   OH  XXXX  phone number  XXXX , which was dismissed  on  XX/XX/XXXX  b ut till today 's date    XX/XX/XXXX    there is a judgement showing on my credit report by Unifund when I call  Unifund th ey told me to call   XXXX   XXXX   XXXX  . when I call   XXXX   XXXX   XXXX   they told me that they have nothing to do with this case. I have to call unifund so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me   XXXX   XXXX   XXXX   they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( Unifund ccr ) records but my  XXXX  credit report showing that   XXXX   check my report  on   XX/XX/XXXX   I ha  ve the proof if u want I can submit them to I think this is a fraud.      unifund ccr this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
O n   XXXX   XXXX     2017 I we nt to my local grocery store (   XXXX   ) at approx  XXXX  at that time ... .according to m y mobil app  with bank of Americ a ... .. my  balance was {$52.00} ... my purchases totaled {$24.00} ... later that night after the store was closed ... approx  XXXX , I went to Bank of America ATM on  XXXX   XXXX  and  XXXX   XXXX   XXXX  NY  XXXX  where I withdrew {$20.00}. I DID NOT get a notice from the ATM during the withdrawal that this transaction would " exceed the balance thus incur a {$35.00} charge '' ...  ..The next day I receiv ed my routing morning text message notice stating that my account is overdrawn by {$46.00} ... I went to the computer and discovered that the {$35.00} over draft fee was the cause of the overdraw.     I made a call to B of A ... .their explanation was that what I am able to see on my app as well as my online banking is not accurate and that at the time I went to the grocery store there was only $  XXXX  .and     chance ... but NOT the {$52.00} that both my online banking as well as my app reflected. Despite my protest they are unwilling to reverse the {$35.00} fee

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 2017-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I have a condo loan that I refinanced. Currently with  Ditech  mortgage. I originally lived in it but moved out due to the elevator not working  (    XXXX   XXXX    XXXX  veteran that   XXXX   XXXX   XXXX   XXXX   ).     I was told that I would have PMI and was not given any PMI disclosure form or anything to sign. I had assumed that it would be discontinued automatically a t 80 %   equity. I contacted  Ditech  at that point  (    XX/XX/XXXX  ) sin ce I had always been on time with my payments and had paid my mortgage down quickly. I was told that in a lette r  XX/XX/XXXX  I wa s a t 78.6 % an d it was not going to be removed until I was a t 70 % .. Sinc e that time, I have written a letter requesting a copy of the PMI disclosure, and called them asking for it. I talked to  XXXX  on    XX/XX/XXXX     XXXX   pacific time . She said my appraisal was  XXXX  and I was scheduled to have PMI removed at  XXXX . She could not find a copy of my PMI document electronically but requested it from archives. I had previously been told my automatic removal date ( before beginning the paydown would have been   XX/XX/XXXX .  I continue to pay extra on my mortgage and would never have agreed to refinance with a removal at 70 % since this would not have gained me anything on my refinance. I feel my PMI should be removed immediately and all PMI refunded when I hit the 80 percent. I have no desire to pay for an appraisal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
We where in a modification with Nation Star Mortage. We had last trial payment due. When the payment was processed We discovered that someone had stole our identity on our accounts and filed Tax returns for 2016. I explained to Nation Star about this and sent a letter of explanation. I did n't want a modification but for them to reinstate the loan moving forward. We have placed fraud alerts on our accounts and are trying to get this back in track. We have equity in our home. So the loan to lend ratio is solid.    I am just asking to reset and move forward this was never an issue with making payments on the mortga ge. Four payments w ere made prior to this identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I did get a loan with the  XXXX  which was turned over to Treasury. Treasury seems to think I have money. I think what is more true is that if you are without money you get hassled more. Look a t Donald Trump. He h as managed to not pay anything for a long time.     I have attempted to resolve this issue with the Treasury department. I submitted an offer of settlement  to ConServer. I  have asked Conserve to provide me the correct document would be a current loan statement which verifies the account number, the account balance, the current amount due, and will verify if there are any past due payments pending. ConServe failed to forward on any information, including taking payments. ConServe negatively reported me to  XXXX .     Because of this negative reporting I ca n't get a student loan. Ha more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: WA

Complaint narrative:
On   XXXX   XXXX   XXXX    , I applied for a mortgage loan. The lender pulled my credit reports and notified me of  XXXX  collections being reported, which I am certain do not belong to me.     On   XXXX   XXXX   XXXX   I mailed a letter to the information furnisher requesting debt validation.     On   XXXX   XXXX   XXXX   I faxed personal identification documents to Equifax including a copy of my driver 's license,  XXXX , and utility bill.     On  XXXX   XXXX   XXXX   XXXX   I   mailed a letter to Equifax disputing both collections as errors. I informed Equifax that the accounts were not mine. I also advised them I had already contacted the information furnisher to request debt validation, which they had not provided to date.     I received the dispute results from Equifax dated   XXXX   XXXX   XXXX    . For both collections, Equifax stated We verified that this item belongs to you.     Since I never received any response from the information furnisher directly, I wanted to know how Equifax was able to verify these erroneous items. On  XXXX   XXXX    XXXX  , I mailed a letter to Equifax, requesting the method of verification and contact information of the person who verified the accounts.     I received a response from Equifax dated  XXXX   XXXX    XXXX  . It was a description of the general procedure Equifax often uses to investigate disputes, but did not provide any details regarding my specific situation. Equifax ignored my request for the name and address of the person who verified the accounts.     I  do not believe that Equifax conducted a sufficient investigationor any investigation at all. I would like them to provide me with specific information about how the accounts were verified ( including documentation used ), as well as the name and address of the person contacted at the information furnishers company. If Equifax can not provide these details, then the only acceptable resolution is deletion of both collection accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have  XXXX  bankruptcies on my record that are not mine I 've sent in letters showed proof they advised they verify through  XXXX   XXXX  who advised they have NO RECORDS on file for me. I have filed many many disputes now it will be here and better business bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I have a private loan that has interest of 6 %. During the time that I am in school I am required to make payments on the interest that builds every month. On  XXXX   XXXX     2017 I r eceived a billing statement that said I owed  XXXX  due by  XXXX   XXXX     2017. I  paid this amount on  XXXX   XXXX     2017 wi th the understanding that this amount was the interest that I would owe for the billing period. On  XXXX   XXXX     2017 I   received a billing statement that said I owe  XXXX  due by  XXXX   XXXX     2017.  On  XXXX   XXXX     2017  I called the company. They say that the amount I paid in   XX/XX/XXXX  wa s applied to principal instead of paying off the interest. I was literally told that I should not pay my bill so early. It is to my understanding that the amount that is posted that I owe is my interest payment and will be applied only to interest unless I choose to pay more than the amount on the billing statement. I was also under the impression that it should not matter when I pay my amount due as long as I make the payment before the due date and after receiving the statement. It is specified in my original loan agreement that I will only make interest payments during the time that I am in school unless I choose to do otherwise and that the amount I will be billed for will only be the interest. The money that I am paying each month is not going towards my interest and I am being forced to pay more each month because I am paying my bill before the exact due date. All loans were transferred by   XXXX   XXXX   XXXX   XXXX    to this  new   XXXX   XXXX  company.   Since the loans were transferred I have had nothing but problems and when trying to get them fixed you go through circles calling over and over again with no help from customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
An account is listed on my Equifax Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Equifax has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Equifax multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  XXXX   XXXX   XXXX  that this case was Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I would like to ask  JP Morgan Chase & Co.  to response in this channel why they make it as a company 's policy for the maximum time frame to dispute a transaction is  XXXX  billing cycles, which is 60 days, while effective for transactions processed on or after   XXXX   XXXX   XXXX    , the maximum time frame has been increased to   XXXX   days for card absent charge, from  XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter Chapter  XXXX  case, I included  2 cre ditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute thes e two co llection accounts.     I HAVE SENT COUNTLESS LETTER S ( TRACKED ) TRYING  TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.

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 2017-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On Tuesday  XXXX   XXXX ,  2017  I contacte d Navient my st udent loan provider. My account indicated an unpaid interest balance. I have paid my account monthly since I had the loan. In  XXXX  the loan was refinanced through credible at a supposed lower interest rate. The balance in  XXXX  was  XXXX ,  XXXX . I have made all of my payments the balance is now  XXXX . The loan is more. I am being scammed. I can never pay off the loan at this rate. I really need help. I just lost my job. The loan is increasing I can not pay for the loan at my age. The interest rate is daily according to the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have an issue with predatory lending. The loan originated with   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   in   XXXX   during the height of the mortgage crisis. Unfortunately for me, this loan has been transferred to several loan servicing companies from  Litton and currently Ocwen.  I have a good credit rating and do not want to see it compromised because of this loan. Conversing with  Ocwen has resulted in N O RESULTS. The loans are neither   XXXX   XXXX   nor   XXXX   XXXX   so I can not apply for a HARP loan to refinance my mortgage. I am have read several things online about the horrors of these loan companies and  Ocwen th e loan servicing company, but do not know what to do. I need some help. Because I am  upside down in my mortgage, no one will offer me an opportunity to refinance my mortgage.

Company response to consumer: Closed with explanation