vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 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: The Law Offices of Mitchell D. Bluhm & Associates
State: OK

Complaint narrative:
I have recently received a bill from MBA Law Firm located in XXXX, Texas. The bill claims I owe {$5600.00} to a current creditor called XXXX XXXX. It also states the previous creditor was XXXX XXXX. 
I spoke with a female, " XXXX '', who claims she is a debt collector with the above stated law firm. She advised me that I owe the above stated amount due to lab costs approved by my doctor. I spoke with my doctor and his business manager who both told me that it was a scam and I did not owe anything. 
This " Law Firm '' claims the date of service of the bill was XX/XX/2018 but I have never been contacted, or so much as received one bill from them. So they waited 1 year and 6 months to send this letter and are only allowing me 30 days to resolve it or they would report it to credit reporting agencies. 
" XXXX '' couldn't give me any specific information about the bill and gave me a bogus number to call. She claimed the number was a patient advocacy line but I cant get anyone to answer. 
I am a hardworking citizen who has worked years to build my credit to where it is. I don't even have ONE late payment on my record. This bogus bill for {$5600.00} would truly devastate my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are medical accounts listed that aren't mine

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 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are medical accounts listed that aren't mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I paid the account and was told it is settled in full and would be removed off my credit and it is still saying I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: I.C. System, Inc.
State: IL

Complaint narrative:
I logged in to look at my credit and saw that there was a collection account. Not only have I never had XXXX XXXX in my name but I never got anything in the mail about this account to give me a chance to dispute it. This is a violation of the FCRA.

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 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr Cooper mortgage company misapplied 5 of my monthly mortgage payments. 
I was told by several reps that there was a computer ( IT ) problem and that the payments were being misapplied. 

My monthly payment was partially applied to additional principal, which I did not authorize. Mr. Cooper would send me late notices and penalties due to their error. 

Eventually, I fell behind because they were misapplying my payments. 

I tried for over 7 months to get this straightened out to the point I had to get an hardship withdrawl from my 401k bring  mtg up to date. I was told by several reps and sent letters from Mr. Cooper that they were escalating my inquiry/complaint but it was never resolved. 
The last rep said if the mortgage was brought current she would have the misapplied payments applied to a couple of monthly payments. This never happened and all correspondence states it is in the research department. 

Mr Cooper has assessed attorney fees to me in excess of {$2000.00}. 

Also, when I went to make a payment the other day - my monthly is {$1500.00} and it said I could only make a payment for {$2800.00} there payment system is ripping off mortagees and we are held hostage when they say they will foreclose. 

By misapplying payments they can add fees/penalties/lawyer fees/ etc ... hurt your credit rating and I have spent over 30 hrs on phone trying to get this straightened out. 

Each time a rep tells me I will see a credit and it doesn't happen. As I stated above, one rep outright told me that it was Mr. Coopers fault and the problem was IT program and he suggested I called in each month to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: AR

Complaint narrative:
Legal Aid took this to court and it is Account Info deputed by consumer meets RCRA requirements in XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unable to come to an agreement on interest rates on used car loan when my credit was good. Now Im behind on payments and my credit got worse I e been upside down on this loan with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: First Data Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 TeleCheck XXXX XXXX   XXXX XXXX XXXX, MD XXXX CFPB Complaint XXXX - TRACKING NUMBER XXXX XX/XX/2019 I received XXXX XXXX responded latter from I submit complain though CFPB. 
Today ( XX/XX/2019 ) I went XXXX XXXX and given paper check # XXXX amount of XXXX has been declined. 
Seven digit dined reference # XXXX I am already tired with dealing with issue and I am going to serious legal action soon. Please fix this issue as soon as possible. 


Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: NJ

Complaint narrative:
The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.

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 2019-10-17 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: NJ

Complaint narrative:
The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: NJ

Complaint narrative:
The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.

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 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Executive Office Mail Code XXXX XXXX XXXX XXXX XXXX, OH XXXX CASE REF : XXXX / CFPB XXXX XXXX XXXX I received responded latter from I submit complain though CFPB. 
Today ( XX/XX/2019 ) I went XXXX XXXX and given paper check # XXXX amount of XXXX has been declined. 
Seven digit dined reference # XXXX I am already tired with dealing with issue and I am going to serious legal action soon. Please fix this issue as soon as possible. 

Please approve debit card as soon as possible. 


Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
XX/XX/2016 XXXX I have more than 3 months getting in touch with this company i send an affidavit with all the documents i was ask to send i have called and they told me that they did not recieve any document when i send everything this company asked me to sen by email i got an email asking for my las 4 digit of my social that is my evidence i have send letters to there office certified mail and i am still having problem with this company i called ask for a supervisor and i was told that i was going to get a call back no one has call me this is a balance that i do not know where it is coming from i send police report everything i have done step by step and nothing i don't get a letter a call nothing i need this company to please get in touch with me cause i have bot take nothing with this company that is showing in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: FL

Complaint narrative:
I received a letter in the mail ( XX/XX/XXXX or XXXX 2019 ) from Equifax information Serivce LLC they werent going to look into three different accounts this is after I submitting my complaint to the CFPB on XX/XX/2019. I Certified mailed A dispute to Equifax personally back on XX/XX/2019 which was totally two separate disputes. One dispute was personal one on one directly with the company ( EQUIFAX ). Other dispute was to CFPB ABOUT equifax. WHY? wont you reinvestigate the items on my first dispute andbor the dispute sent to cfpb? They havent provided me with the information I requested. I asked for the break down on who they were contacting ( creditors/name etc.. ) which they arent providing I asked for how they were contacting them ( phone, mail, fax, email did they walk to the business and get the information? ... ) which they havent provided I have asked them to provide the proof from whoever their contacting and there stating that the information is verified I want copys of the information your obtaining since you keep telling me ALL this information is VERIFIED these are separate complaints which require separate investigations ; you will not deny me my rights or I will be forced to take legal action. XXXX XXXX is not a source. They are not creditors. that are reporting this verified information shouldnt be coming from them. These companies are paying you to report on people and your using XXXX XXXX to verify someone elses report on me this isnt making sense. I have sent XXXX XXXX XXXX a validation letter ( XXXX XXXX ) ( they signed for it on XX/XX/2019 ) no response back yet. XXXX XXXX XXXX sent them a validation letter ( XXXX XXXX, CA address ) the mail was forward back to me. Tried their ( XXXX XXXX, CA add ) they replied back with a bill ) so what creditor are you actually verifying these accounts with???? Your using the XXXX XXXX system and your not legally investigating my complaints. This XXXX XXXX XXXX ( XXXX ) account tried to send the validation letter they sent it back too. I did more to investigate than the actual credit bureaus. DELETE THIS STUFF OFF MY CREDIT REPORT immediately. Youre not to deny me an ACCURATE investigation for each separate complaint if the investigation was done right when I sent it directly to you I wouldnt have to file a complaint to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called the bank again, for the 5th time and asked for their fraud department. After 2 hours of transfers and over seas representatives who argued with me, I got a manager at the US call center that handles issues like this. 

Her name is XXXX at XXXX, dept XXXX, ext XXXX I sent her a copy of the letters from Capital One addressing the removal of the item that is not mine off of XXXX who has continued to re-report the item and keep it in dispute way beyond the FCRA 605B rules. 

The first letter was sent to me last XXXX by the executive offices in Virginia and I will enclose a copy of that too. 

She promised to fax me back a letter of removal confirmation and to make sure this time it is expedited. No reply yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
I was charged XXXX by XXXX XXXX XXXX for a XXXX on XX/XX/14 for a child named XXXX XXXX. I contacted the doctors office to let them know that this wasnt my child my sons name is XXXX XXXX and that he did not receive a XXXX  when he was born. The office did not fix the problem and sold my case to XXXX collections who then added this debt to my credit report. I tried to dispute this charge and it was denied because the creditor claimed that it was a valid collection however when I received the claim in the mail it said the responsible person for this childs medical bill was a man named XXXX. When I spoke to XXXX they said they would remove the collection off my account because they saw the error but this collection is still on my account so nothing has been done by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have already attempted to resolve my issues with Navient and this is my second complaint to you. I wanted to bring some new information to your attention after my own investigation. First off Navient has stated that I consolidated loans in 1997. I have no knowledge of such a thing. Apparently they redid my loan and raised the interest rate and of course more fees. This apparent consolidation loan would have been no benefit to me what so ever. Another I did is get on the student aid website, to try to dig some more into this. My original loan balance should have been {$5800.00} instead of {$8400.00}. I couldn't quite figure that part out. My pell grant never got all applied because somewhere along the line someone put down, a withdrawn status. Well I GRADUATED, it still has a withdrawn status on the website. I should not be having to go through all of this to try to figure this out. This is my last attempt with Navient and XXXX XXXX to figure out who dropped the ball! I will be getting an attorney and let him/her figure out who in the XXXX is at fault! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently paid Macys XXXX to fully pay for the alleged owed amount from my credit report. I didnt receive any notice of this debt to be able to dispute this debt from years ago. Even when I called Macys they transferred me to Citibank who didnt even have a record of the debt.

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 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently paid off this alleged account in full for {$420.00}. I never got written notice of this debt ; In addition, there are numerous inaccuracies on my credit reports : XXXX shows a high balance of {$2400.00}, whileXXXX shows a high balance of {$2800.00}, however the limits are showing {$1000.00}.

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 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am writing to you for TransUnion they made a huge mistake They received my dispute letters via Certified Mail I checked with tracking by USPS I will include that in my attachments. 
TransUnion received my dispute letters on XX/XX/2019 It's been XX/XX/2019 and still no reply from TransUnion so I sent a non response letter on or around XX/XX/2019. 
I finally received my credit report I recently disputed from TransUnion on exactly XX/XX/2019 As I opened the envelope too look at my credit report it dated On the report papers it was made on XX/XX/2019 So I looked through the dispute letters carefully. 
As I looked at the envelope it dated as a postage stamp on XX/XX/2019. 
So they are trying to be slick and play games with me They fixed everything in hopes I don't catch the date postage mark. That dates XX/XX/2019. 
Everything will be with proof included in the attachments from the date TransUnion received my dispute letter to the date I got my updated credit report back to the date stamped on the postage stamp by TransUnion. 
By law if it is past 30 days I do not get a response within that timeframe everything I disputed needs to come off my credit report. 
I'm just very upset with TransUnion playing games with me. You will see my attachments Sincerley, 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 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Did a phone application to refinance with Quicken Mortgages. Rep initially  misrepresented or understated rates and costs of mortgage in order to obtain my approval to get my credit report. Then after the application was processed, the details of the loan were misrepresented and the rep would not provide the actual details in writing unless I agreed 100 % to accept the loan. I did not agree and asked several times to receive the details in writing. The rep agreed to send them but I only received my credit report. 
This seemed like a typical high pressure bait and switch sales approach. I do not think this is appropriate for mortgage sales and it does not help the companies reputation or reputability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One failed to follow mastercard policy and the law regarding my dispute with XXXX, aiding XXXX in defrauding me. 

I was charged {$99.00} despite having cancelled a service before the billing date. The service was online classes and I did not access any content. There is no way to reach a human being at XXXX so I asked for Capital One to initiate a dispute. They did so but pursued it incorrectly, so I have paid for something I both cancelled and did not receive. I did not receive any notice from XXXX that I was charged, and I discovered it only in my credit card statement. 

Capital one asked me to prove that I cancelled. I cancelled online via XXXX 's system, meaning that I rely on them entirely to send or otherwise provide proof. They did not do this, and lied saying it was not cancelled. I believe this is intentional rather than computer error but I don't really know. When I logged into my account, it showed cancelled and asked me to sign up, proving without a doubt that I had cancelled and had not access to the paid content. I told Capital One all of this, but still they chose to assist XXXX  in ripping me off. In addition, I discovered that I was getting all emails from XXXX in duplicate, which may mean that they accidentally duplicated something and only one got cancelled. Not sure, but clearly something wrong. 

I was forced to pay for something I cancelled, never accessed, and then told I had convince the scamming merchant to admit cancellation or just accept being defrauded.

Company response to consumer: Closed with monetary relief