vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Hi During my kids eye test for XXXX XXXX, all medical insurance details were provided to XXXX XXXX XXXX   XXXX   XXXX XXXX, NJ. They checked the insurance and mentioned we were covered for the services. Instead of collecting the money from the insurance company, they reported to it to debt collections agency who then send it to credit reporting agency as uncollected debt. 

We had told the debt collectors that the insurance details has been given, yet they refused to collect it from the medical insurance company. This has impacted my credit score. Needs to immediately take corrective action else we will follow with legal action. 

Details below Opened XX/XX/2018 ( 3 mos ) Account status Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX, NJ Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have no account or binding contract with this company, I have never opened an account with this company so I have no debt with them. Please discontinue on collecting and or reporting to my credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Identity theft I fax police report and all I can fax! My USA passport this is not my first case about lost my adentity I Lear how to deal with it till they can arrest the guy.. right now Im asking you to verified everything and return it to the original creditor! Is XXXX and delete it from my credit thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 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: MS

Complaint narrative:
Ive been having issues getting payments through to Navient for about 3 years now. Theyve given me inaccurate and inconsistent information time and time again. Not to mention the wait time Ive endured just to even speak to a representative. On numerous occasions Ive dealt with representatives who were irate and had really bad attitudes with me, about MY loans. Ive been threaten before by a representive stating that theyre going to come after my mom. Theyve made threats of ruining my credit so I wont be able to purchase a house some day. The straw that broke the camels back for me was a recent occasion. I called and spoke with two different representatives, one telling me theyll need a payment from me for x amount at an x interest rate. The representive got an attitude after I asked questions about MY loans. She puts me on hold for five minutes. Afterwards, I heard her pick up the line, then she literally hangs up the phone in my face! I call back and again, I have to wait another hour before I speak with someone. A guy answers the phone and I explain to him what happens and that I want to file a complaint against the last representative. He seemed sympathetic. After about 5 minutes into the conversation he began to go over the same thing the last representative went over with me. This time he pulls up the previous representative notes and now hes telling me I will be charged a y amount at y interest rate. Both the interest rate and amount to pay increased drastically within an hour. I told him that the last representative mustve put some things in her notes to make things worst for me because she was at odds with me after me questioning her. Then he began to tell me, sir, Im going to charge you y amount now at y interest rate and there is nothing you can do. Now Im wondering how did things change so quickly, so I asked him. Sir, how did the rate of my loan change so drastically since my last phone call with the last representative, he rambled on and on about what he can only allow me to pay back. I then realized that he wasnt giving me an answer so I declined to discuss anything further and now Im here. Ive been experiencing issues with Navient for too long now and I want answers. Because, I feel as though theyre trying to keep me in a trap, so I can never be financially freed from them. Please please please help me receive some understanding. If there is any more information that I can provide Ill be more than willing to work with whomever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XXXX, Bank of America changed my autopay options without my consent or knowledge. I had my credit card setup to pay the full amount due for the month, and they changed it to only pay the minimum due. While I was only charged a few dollars interest, I can only imagine how many people may suffer from similar changes without their consent. BOA confirmed this change occurred by the system and was not done by me, though they didnt have any explanation of why To make matters worse, when I go on the autopay now, I was told that the setting called Amount due means that it will only pay the minimum, even though right below it there is an option called minimum amount due which is supposedly minimum without fees. This is deceptive and misleading for people that want to pay how much they owe to avoid interest. The representative was helpful and refunded the charge but again, very shady practices on BOAs part.

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
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Madam or Sir, Equifax, XXXX, and XXXX are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, Equifax, XXXX and XXXX. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I contacted USA on XX/XX/XXXX and notified them of a balance transfer of {$4000.00} that I did not authorize or initiate. I was told that it would be corrected within 2 to 5 business days. I made repeated phone calls to have the charge removed from my balance. As of today, XX/XX/XXXX, USAA has not removed the charge from my credit card. 

I called today to close my account with USAA and request a final payment. I was given a final payment that I will pay at the beginning of next week, XX/XX/2018. 

I have made numerous phone calls to USAA to resolve this problem. They have yet to remove the charge from my account. 

Because of that I called today to close my credit card account with USAA. I can only determine that they are incompetent. 

I will never work with USAA again, they failed to correct the fraud transaction in my account after I notified them the first day of the next week, a Monday, XX/XX/XXXX. It is now XX/XX/XXXX, and they have failed to reverse the transaction. 

Do not trust USAA, they will not protect you from fraudulent translations or transfers. They may not be capable of fixing the fraudulent transfers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Madam or Sir, XXXX, XXXX, and Transunion are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, XXXX, XXXX and Transunion. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )

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 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Madam or Sir, XXXX, Experian, and XXXX are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, XXXX, Experian and XXXX. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )

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 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
( 1 ) I have been a card member with Citicards for more than 30 years. 
( 2 ) In the past year, I have reported to Citicards that I had not been receiving monthly statements. Since then, they have been notifying me when my statement was online, so I have been viewing my account and paying my monthly amounts on the Citicard website. 
( 3 ) On evening of XX/XX/XXXX I went on the Citicard website and made a payment of {$40.00} ( 4 ) Citibank then sent me a confirmation of that payment headlined " You're All Set '' confirming values " Before Payment '' and " After Payment '' ( attached - see " After Payment '' amounts ) ( 5 ) Shortly thereafter I went to the Citicard website and saw numbers much greater than the " You're All Set '' values shown as " After Payment ''. 
( 6 ) I got the run around when I called Citicard Customer Service on XXXX XXXX, XXXX ( 7 ) Following that call, I wrote my letter dated XXXX XXXX, XXXX to Citicards ( attached ) ( 8 ) That letter was sent via USPS Priority Mail on XXXX XXXX, XXXX. 
( 9 ) That letter to Citicards was verified by USPS as " delivered '' to Citicards on XX/XX/XXXX @ XXXX ( see attached USPS Confirmation of Delivery ) ( 10 ) I called Citicards today ( XXXX XXXX, XXXX ) to get an update. The Citicard representative, XXXX, stated that they had not received my mail, had no email address where I could send a duplicate and no fax number that would be received in a timely manner. 
( 11 ) After speaking with her supervisor, XXXX stated they would not correct my account back to the {$0.00} Minimum Payment Due and {$1500.00} Current Balance as shown on the " You're All Set '' page. 
( 12 ) A screen shot of the XX/XX/XXXX Citicards website verifies the inflated amounts, well above the " After Payment '' values with no transactions made by me during that period!

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 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion falsely said they verified a bankruptcy by verifying it through the courts. The courts do not talk to any third parties or credit agencies

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 2018-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Wednesday the XXXX of XXXX I was part of a scam through purchasing tickets. I called Bank of America to see what the best way to send money safely and the customer service agent pushed XXXX. The concert was about 45 mins and I was in a rush to get this taken care of. As I sent the {$180.00} dollars and never received tickets BOA told me It was never sent ... But I got a email stating it was pending. I reached out the to the individual and he stated it did not go through and for me to try another account. After that I have sent the remaining balance of {$250.00} dollars. Which now brings the total of {$430.00} out of my account. Now that both request have gone through - BOA is stating is is my fault when they have stated on XX/XX/26 they are pending and not posted. 

I have spoken over 5 times within 48 hours to BOA, 2 times to XXXX, 1 time to XXXX bank ( One Account was connected to XXXX who retrieved the {$180.00} ) 1 time to XXXX XXXX ( who also retrieved {$250.00} ) Bank of America has stated I am XXXX out of luck due to there mistake of not stopping payment through XXXX. 

Can I have some advice on how to proceed with the BOA?

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 2018-09-29 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: Nelnet, Inc.
State: MI

Complaint narrative:
I recently found out an account was placed on my credit report that belongs to my daughter. It shows delinquent. However, no one called me about this account. Ive talked with XXXX and XXXX about this, and each referred me to the other. I asked why no one contacted me, and Was told they called me, and they gave me a number that was not my number. They said they knew it was not a good number. Said I should have called and reported a number change, but I said How was I to know you had wrong number? The customer service person read a number off to me which was not my telephone number. I asked how they could place something on my credit without even trying to call me or reach me. I even stated if they would remove this from my credit I would like to pay it off for my daughter if I could negotiate a lower rate. No one will work with me for a lower rate or help remove this from my account. I was told I was the co-signer. Even though I dont remember co-signing this loan, Im willing to help my daughter and try to work something out if they will remove this from my credit. Its not my debt However, as co-signer on this loan dont I have a right to be notified? They even admitted not contacting me several times. I worked so hard to have good credit, now its ruined. I am XXXX. Please help me. I will pay account off, now that I know, but just dont think this is fair to be on my credit nd not be given a chance to make things right. My daughter has brought account current. Please help me remove this negative mark from my credit. Thank you in advance for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: AK

Complaint narrative:
I have lived in XXXX, Alaska all of my live and love our state as it offers an ideal life for my family. We vote, pay our taxes, strive to be solid citizens and are bring up our children with good values. However, we have run across a problem and need some help from a person in your position to get us through the storm. We fell behind on our mortgage payments at the beginning of this year and we have not been able to deal with our mortgage servicer directly. Caliber Home Loans tried selling our home early this month, but we were able to stop the sale and we are afraid they will ultimately take our home away if we can not get them to speak with us. Its not entirely their fault as we hired an attorney to help us negotiate our delinquency, but he has done nothing and Caliber said they can only speak to my attorney. I fired him, but Caliber still wont open any discussion that would allow me to keep my home. 
They have strongly indicated that they will help me with home retention options, if they can speak to me. I am asking for your offices assistance to help me communicate with them to get the ball rolling to save my home from foreclosure. I do not need you to negotiate or get involved in any way except to open the door for me to speak with them. 

I purchased my home in 2008 and everything was going along fine. My business was doing well and the two rental properties I own were bringing in positive cash flow each month. However, the last two years have been a nightmare as I unfortunately had two very bad tenants. They both stopped paying rent and separately destroyed the homes they rented from me. One tenant brought in over ten homeless people and it was a legal and financial nightmare that cost me tens of thousands of dollars in direct costs, lost wages from all the time I had to deal with the issues and lost rental income. I finally ran out of money getting them out of the home and finishing off the repairs to bring the properties back to a rentable state. This caused me to fall behind on my mortgage payments. I truly did not have an option as I need the rental income to provide for my family. I thought I was doing the right thing when I was contacted by a law firm who promised they could help to get my loan modified. I paid them {$4000.00} and they apparently did nothing. I know I am deep in foreclosure, but I am certain something can be done to save my home for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I received a credit monitoring alert about a hard credit check on XX/XX/2018. I immediately called to inquire. They told me how to get it removed, and insured me that they would not allow so.e one to open a cred card or credit line with my social. I completed the arduous process they required me to dispute a credit check. I also made 3 addition al calls to make sure an account would not be open. They denied my inquiry to remove the inquiry from my credit report. I called again and was once assured there were no accounts under my social and that they would not allow that to happen. I found out in XXXX that there was in fact an account and PayPal started harassing me to collect it. I contacted them, to explain what previously happened and Express my concern and bewilderment. They immediately started trying to collect money from me and did not help. I went to the price department and filed a police report. I sent that I formation ti PayPal and called several times a week for a month or 2. They told me to stop calling because they could not share any information from me. They would not.tell me where the money went or what it was spent on. Despite that, they keep insisting that I owe them money. I have countless emails, letters, police report, etc ... I want this hard credit inquiry off or my credit report, I want PayPal to stop harassing a victim of identity theft, and I want them to fix my credit! How is it possible that they would allow someone to do this when ai contacted them the day I received a credit inquiry alert?! This is gross neglilgence and harrassment.

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 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Tried making a payment to my credit card and the payment returned due to financial institution information being entered incorrect. In the result of my account being 60 days pass due Wells Fargo Closed my account. As of XX/XX/2018. spoke with a representative that same month around. XX/XX/2018 in the executive office confirmed account was closed and my collteral would be relsease from the clos our date of. XX/XX/XXXX. Wells Fargo opened my card in XXXX I was not notified and incurred fees on the account. card reckoned again in a XXXX and now Wells Fargo is stating I owe a XXXX balance but reported to my report different amounts and is not trying to resolve my issue.

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