vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
This complaint is in reference to a XXXX XXXX procedure, first visit XX/XX/XXXX and was not completed properly by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX After several attempts to resolve the problem with XXXX XXXX XXXX, he notified me on XX/XX/XXXX that the dental office would not let him go back inside the office. 

I notified my insurance company, XXXX XXXX who gave me permission to another dentist to solve the problem. On XX/XX/XXXX I saw XXXX  XXXX XXXX who sent a letter to XXXX stating the XXXX   needed to be redone and both XXXX and XXXX  XXXX were clearly visible. I filed a grievance with XXXX 's Grievances and appeals Board, which was received on XX/XX/XXXX. XXXX XXXX XXXX XXXX did not respond to the grievance and I was recently informed by XXXX that if they do not get a response in 6 months XXXX does not pursue the grievance. I thought the grievance was settled because as XX/XX/XXXX XXXX does not send out explanation of benefits if the patient has a XXXX   balance. I thought the dental office accepted the amount of money XXXX paid, which was {$360.00}. {$430.00} was the amount I was to pay. 

I found this information out when I applied for a credit card in my name from XXXX on XX/XX/XXXX, which was denied. 

I have reported this to the State of FL Department of Insurances, XXXX XXXX XXXX file # XXXX, to the Department of Agriculture, XXXX XXXX case # XXXX and the Office of Financial Regulation, XXXX complaint # XXXX who recommended I contact your office for additional help. I have also sent letters, Certified/Return Receipt on XX/XX/XXXX to XXXX XXXX XXXX XXXX and Capital Accounts LLC indicating I do not owe the {$430.00} because the dental work was never completed properly. 

Thanking you in advance and looking forward to hearing from you. 

Attachments : Dental Time Line, Letter from XXXX  XXXX, XXXX 's Explanation of Benefits, Lletters from XXXX 's Grievances and appeals Department, XXXX Report and letter I sent to XXXX XXXX XXXX XXXX  and letter cc to Capital Accounts LLC I unable to send the supporting documents because it it more the 10 MB. Please let me know if I can send them to an email address or mail. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We went on a trip last year and used XXXX XXXX for transportation. We had 3 trips ( XXXX to XXXX then to XXXX and finally to XXXX. We called at the time this was occurring. The total for the trip -- according to the company -- was XXXX euros ( about {$1700.00} then ). BoA charge us {$2500.00} for those charges. We called numerous times then. Everytime, we were on hold for at least 1 hr. Then we were transferred, and many times the called was dropped and I had to call again. I asked for the name or extension that I could call back. They refused. The only name as was given was of a person from XXXX XXXX -- and that turned out false. He was in Tennessee and he did not work for that division. I have emails from XXXX  XXXX  indicating they only received the XXXX euros. Someone collected that {$1200.00} difference! They finally sent me a letter that they terminated the investigation. Everytime I called they stated that it would take 2 months to get to the bottom of it. After being a preferred client for 40 years with them and having about {$50000.00} in the bank ( savings and checking ), I had to switch to XXXX because I did not trust BoA any more. XXXX suggested that I contact you about this. I can not conceive how a {$1700.00} bill should require a {$2500.00} payment.

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 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I submitted a loan modification request on XX/XX/XXXX. I continued to send updated documents to SPS and receive a denial letter based on a submission of XX/XX/XXXX. I asked SPS what happened with my submission of XX/XX/XXXX? Per the representative my request for a modification was not reviewed at all. I asked why? And I was told its because I was denied before for incomplete documents and the trustee sale date is too close now. I told them I submitted my loan modification package on XX/XX/XXXX they had 31 days to review all of my documents and they did nothing with my review. I am XXXX XXXX XXXX, I have been in and out of the hospital, and while hospitalized I completed the loan modification application and sent it from the hospital and they did nothing with my documents for 31 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I co signed for my brother in law to purchase my deceased mother and father in laws house. They had a reversed mortgage on the home when when passed away. 
I personally do not live on the property. I live an hour and half away from property. I have tried to get the mortgage company NationalStar/ Mr Cooper  to understand I do not live on the property,and I have gave them my mailing address. And I get told they will not send nothing any other address except the one on file. The mortgage company some how changed my address from where I actually live to the house I co signed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: NJ

Complaint narrative:
I fell behind with my credit card payments, because of a brief period of hardship. I contacted them several months ago, about bringing my card current. I was informed that if I pay a lump sum, and bring my card current, my card would be available for use. I did as they said, by paying over {$300.00}. I expected the card to be available for use, until several months later, when I tried to use it, I was told by the automated system, that the card was not available. I was VERY disappointed because I sacrificed {$300.00}, as a current XXXX XXXX student, just to bring the card current and be able to use it again. 

THAT WAS WHAT I WAS TOLD. 

Please bear in mind that I also have a car note with this company, which is current!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I noticed a transfer of {$1000.00} to Coinbase which I did not initiate on XX/XX/19. I contacted Coinbase support and they started an investigation and locked down my account. I have contacted them numerous times however they will not respond to my e-mails and when calling in simply tell me to e-mail the attached case. My account has been locked down for two weeks without any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Early this year I found out about a fraudulent transaction on my credit report. I contacted the merchant and was promised to get it resolved but nothing was done for over 3 months. 

The relevant account information on my credit report is as follows : SYNCB/Paypal Extras MC Acct XXXX Date open : XXXX Credit Limit : {$300.00} Charge-Off : {$770.00} ( XX/XX/18 ) Sold to XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, FL, 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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to receive my credit report from Experian. I am also unable to freeze my credit with Experian. I have tried to reach Experian via website, and via phone to both view my credit report, and place a freeze. The website lists an automated phone number to call after saying there was an error, which does not have any options to help me. I have tried multiple Experian phone numbers to solve the problem, but they all hang up after listing options that do not pertain to my problem.

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2018 this hard inquiry showed up on my credit that i have no responsibility of i filed to have it removed and no response i need to have it removed because it is hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I BORROWED {$200.00}, IN AN FINANCIAL EMERGENCY, FROM XXXX XXXX XXXX OFFICE IN XXXX, TN, ON XX/XX/2019. THEN ON XXXX XXXX ; AT XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, IN XXXX XXXX, TN XXXX ; I WAS TOLD MY PAYOFF IS {$210.00}, SO I PAID {$210.00}. HOWEVER, I HAVE BEEN CHARGED MUCH MORE THAN {$210.00}, ON XXXX XXXX, I PAID OFF THE LOAN IN PERSON AND MY CHECKING ACCOUNT WAS ALSO DOUBLE BILLED /CHARGED ANOTHER {$45.00}, IN XXXX , TN. 
TODAY XX/XX/2019 I WENT INTO THE XXXX   XXXX OFFICE, IN XXXX, TN AND ASKED FOR THE REIMBURSEMENT OF MY OVERBILLED MONIES AND THE CLERK NAMED " XXXX '' REFUSED TO REFUND MY {$45.00} OVER/ DOUBLE BILLED CHARGES! 

XXXX THREATENED TO HAVE ME ARRESTED IF I DID NOT LET THE OFFICE KEEP THE MONIES. MY LOAN OF {$200.00} WAS JUST FOR 40 DAYS, I WAS FORCED TO PAY A TOTAL OF {$260.00}. 
I WAS OVERBILLED/ DOUBLE BILLED {$45.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was told to file a complaint with ftc.gov/Equifax due to the breach and chose the {$120.00} option due to the fact that I had had fraud protection due to breaches with other companies in the past. 

Now I find out that there were so many people choosing this option that it is not going to be financially possible to get a {$120.00} check and that we would be " disappointed '' with the amount. 

That is not MY problem or the problem of the people whose information was compromised by the breach. I don't care if Equifax doesn't have enough money to pay out. If a private citizen was ordered to pay a specific amount, that citizen would have to pay that amount or their wages would be garnished at the very least. This is a large corporation, not a private citizen, and this is a serious matter. {$120.00} is an EXTREMELY small sum to pay for what happened. 

At this point it looks like I'm going to have fraud protection for the rest of my life because businesses don't want to have to pay for their mistakes, or they somehow don't HAVE to. I just got hit AGAIN by the XXXX XXXX breach. This is absolutely ridiculous. I feel at the very least, make it right to everyone who opted for the measly {$120.00}. If you want to fine tooth comb people who are opting for the higher payouts based on their time and money and what have you, go ahead, but according to YOUR website, everyone who was eligible SHOULD BE PAID what they were TOLD they were eligible for. It doesn't matter if Equifax is crying that it's too much money. That problem is NOT OUR PROBLEM. THAT problem is EQUIFAX 'S problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I called SunTrust bank this morning at XXXX est. I had an issue where I can funds available for a transaction and positive balance after the transaction. I was charged {$36.00} NSF fee and called to discuss with bank. 
I talked to a agent ( XXXX ) provided my issue as to what my online/app is reporting as activity, and the agent told me that this is not what is showing on her system, and offered to send over screen-print to have reviewed. I informed that not the consumer issue if their system reflects something different that the online system, we as customer rely upon our access to know what is available. 
The agent informed that due to a courtesy waiver was already completed in XXXX that she could not assist, and that this is all that she could report. The agent and myself did not meet an consensus about the final results and I asked to speak with a supervisor. 
Supervisor Mr. XXXX came on the phone, and informed of the same concerns. I was told the same information, and offered yet again to send over screen prints of the transactions, and the Supervisor bluntly was dismissive and when could not reach an agreed upon consensus I asked Mr. XXXX to transfer me to his manager, and told refused, and told understand if no one was available that he could take down my number and have them to return me a call. The Supervisor refused to escalate the call, and have a manager to return my call, citing my warranted and that I could place my concerns in writing, which is what I'm doing here. I do not agree with the bookkeeping of SunTrust, and not willing to accept information to make a fair assessment of my concerns or complaint. I was informed to place my issues in writing. the supervisor was rude, and dismissive and not customer oriented to assist the consumer. the form says that the NSF charge is for the fee of {$6.00} XX/XX/2019 when it was clearly a positive balance after the charge listed.

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 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
On XX/XX/2019 I began the 'Recasting '' process with Lakeview Loan Servicing Attn : Consumer Solutions Department XXXX XXXX XXXX XXXX XXXX, VA XXXX by requesting their procedures, after waiting 2 weeks for a response I called them. After 3 more weeks they sent me the wrong paperwork & I had to start all over again. In the meantime on XX/XX/19 they instructed me to wire the funds which I did, {$90000.00} for the recast plus the {$300.00} processing fee. When I finally got the correct documentation via email I signed & had notarized the documents and emailed them back to XXXX. I received no confirmation from them of any kind not for the wire & not for the documents, so of course I called to confirm & they received everything. I then spoke to a Supervisor who assured me she would expedite this process & promised it would be completed by XX/XX/19 the 60 days they say it takes to complete. Here it is XX/XX/19, I called again to find out what's going on & I am told they are sending me more documents to sign & notarize as of XX/XX/19!!!!! I know have been on hold for a Supervisor for over 1 hour, I have had enough of this runaround & would like someone to investigate this company for possible fraud & at the very least LACK OF & NO CUSTOMER SERVICE.

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Risecredit, LLC
State: TX

Complaint narrative:
XX/XX/2018 this hard inquiry showed up on my credit that i have no responsibility of i filed to have it removed and no response i need to have it removed because it is hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Type : Chapter XXXX Bankruptcy Status : D ischarged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX Court : Us bkpt ct fl XXXX  XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed.

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Ive been recieving all these inquiries and didnt know what they were until i did my 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 2019-07-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have sent several debt validation letters regarding the account with Chase Card and received no response back over 60 to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TX

Complaint narrative:
TRANSUNION, XXXX AND XXXX XXXX   SHOWS A COLLECTION FOR XXXX XXXX THIS IS A FRAUD 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 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
This is in reference to complaint number XXXX-XXXX against XXXX XXXX XXXX, XXXX. They reatained a law firm Rausch Sturm to represent them. See all attached documents and the company 's response to the complaint number listed above and a letter from the plantiffs stating that there is a XXXX  balance on the account. The firm is stating that I am XXXX XXXX XXXX XXXX After being provided legal documentation proving my identity they still claim I am XXXX XXXX XXXX XXXX XXXX Even XXXX says that isn't me. Attached also is a document from XXXX County showing that there is a scheduled hearing on XX/XX/2019 in this case. Why am I having to attend a hearing of a debt not owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Ive been recieving all these inquiries and didnt know what they were until i did my research

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Commonwealth Financial Systems, Inc.
State: KY

Complaint narrative:
Commonwealth finance is reporting a fraudulent account. I have never been treated at XXXX XXXX XXXX XXXX. I have no knowledge of this account, and Commonwealth finance has a long standing poor reputation for falsely reporting medical debt.

Company response to consumer: Closed with explanation