vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third sent me a letter saying that my property insurance expired and instructing me to submit proof of insurance. They dated the letter XX/XX/XXXX, which is the actual date that my insurance policy expired and was renewed. My insurance company renews the insurance every year, and their notification specifically states that they will notify the mortgagee if they do not renew the policy. I believe that the insurance company additionally sends notification of renewal to Fifth Third every year, probably on XX/XX/XXXX when they renew it. 

My complaint is that it's inefficient and bothersome for Fifth Third to send me the same letter every year on XX/XX/XXXX, without even giving the insurance company a few days to send in the mortgagee the renewal notification. Additionally, Fifth Third knows that I've renewed the policy every year and that my insurance company can easily provide proof of renewal directly. Third, the insurance company has promised to send Fifth Third notification if I fail to keep insurance in force. Fourth, most mortgage companies have sophisticated communication systems with major insurance companies ( like mine ) and can more efficiently verify insurance by contacting the insurance company. This is often done with direct communication links and doesn't require anything out of the ordinary. Fifth, before Fifth Third became the servicer for this same mortgage, there was a different servicer who did not engage in this wasted effort. 

It is simply a waste of time and effort for everyone for Fifth Third to send the letter to me on the renewal date instead of waiting ten days or so. It wastes my time locating proof of insurance from my insurance company and sending it to Fifth Third. It wastes my insurance company 's time and energy providing the proof of insurance to me even though it was already provided. It wastes Fifth Third 's time in reviewing my proof of insurance this way even though it would be more efficient to do in another way.

Fifth Third 's servicing procedure could easily be changed to wait ten days and then see whether or not my insurance company sent notice. Alternatively Fifth Third could easily contact my insurance company or safely rely on the insurance company 's agreement to notify them if the insurance policy does not renew.

Instead, Fifth Third sends me a threatening letter indicating that they will buy insurance on the property unless I provide proof of insurance immediately. This is just not a reasonable use of everyone 's resources. Also, the threatening letter is unnecessarily harsh and demanding, particularly since they don't even wait ONE day after renewal to allow time to receive proof of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called Capital one back in XX/XX/2019 to make arrangements for my account balance as I am XXXX and can no longer work.In addition, my husband was laid off temporarily from his jon at the XXXX due to the shutdown. There website said they have programs to help, so when I called them on XX/XX/2019 they said they would enroll me in a hardship program, and as long as I made the minimum payment every 30 days by my due date, they would report favorably to the credit bureaus. I made my payment each month before the 30 day mark and they randomly report my account past due for months it has not been. I have escalated this so many times and they say there is nothing they can do to help me and they clAim they can not find the call, even though I have given them the date many times. They refuse to honor their payment arrangement. I even tried to enroll in debt management since they refuse to honor the arrangement and they denied it saying I can not participate. At this moment they have denied all attempts I have made to pay and refuse to keep their own word to honor their arrangement. I am looking for an attorney to help me in this matter. I would like for capital one to update my credit report for reporting me late when I was not for XX/XX/2019, XX/XX/2019, and for some reason now XX/XX/XXXX and XX/XX/2019. Their corporate is no help and doesnt help, but says sorry there is nothing we can do to help you, go file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
It is extremely difficult to understand how your rewards points balance is computed, much more difficult then I have experienced with other card provider. I do not believe that timely, accurate and complete rewards information is included on account statements, therefore I am left without an accurate accounting of rewards accrual, usage and balance. How many points have I earned, how and when have they been used, how many do I currently have ... this basic accounting information feels like it is being purposefully obfuscated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
PlusFour Inc has not deleted a medical account that was paid. The original creditor XXXX XXXX XXXX was paid in full. I invoked my HIPPA rights as I paid. No third party should be reporting this information since it was paid. I sent them a letter with proof of delivery dated XX/XX/XXXX. They have has this letter and have not removed the medical account. If not deleted in 5 days I will file a lawsuit. I have already contacted a consumer attorney.

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 2019-07-10 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted an online dispute with Equifax and have tried repeatedly to get a copy of the results after being notified via email they were ready. The online portal never let me in, so I called them directly. After giving every possible identifying information to the customer service rep, I still was not given the info. After getting extremely frustrated, I requested that it be mailed to me. The person placed me on hold to see if that was possible. They came back eventually after an extended wait and stated : It will be a while before you receive it! This is absolutely ridiculous as I have been trying to get the results of the incorrect information that they should have been removed weeks ago off my report. This seems like a tactic to frustrate the consumer from removing erroneous info from their reports. It is shameful and appalling..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX # XXXX Bal {$4200.00} ( XXXX ) XXXX PO BOX XXXX XXXX , OH XXXX XXXX XXXX BAL {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After Equifax lost over 140 million people 's sensitive data, I place a freeze on my credit for this bureau. Since then, I've had a very difficult time having my freeze lifted. Earlier today, I attempted to open an account in order to purchase a new XXXX at an XXXX XXXX. After calling Equifax, and confirming all of my personal information, I was told that I'd need to mail into them a copy of my driver 's license and social security card. This is unacceptable. Equifax is holding my personal data XXXX. I'm essentially unable to now purchase anything because of Equifax 's outrageous and uncalled for shutdown of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
( Social Security Administration ) a credit account that was showing as a positive and paid in full, up to date account on XXXX, trans union, and XXXX credit reporting bureaus, was either fraudulently disputed by another person other than myself, unauthorized, ... or was incorrectly removed/deleted via and by the credit bureaus who provided this information pertaining to this credit account, XXXX, trans union, and XXXX, whom initially listed this account onto my XXXX, trans union, and XXXX   credit report files, however, I had not done this myself, as it was showing a positive and paid account proving my credit worthiness in paying it off with no issues. Now, due to this unauthorized, negative, removal, dispute, or deletion of this account, and being that I have no deragatory remarks on my credit reports whatsoever, I am not emitting a FICO score of ANY kind, or it is so low ( an XXXX ) that i am unable to apply for credit in the least amount, had this one positive not been removed from my credit file and reports. ( Social Security Administration account # 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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
( Social Security Administration ) a credit account that was showing as a positive and paid in full, up to date account on experian, XXXX XXXX, and XXXX credit reporting bureaus, was either fraudulently disputed by another person other than myself, unauthorized, ... or was incorrectly removed/deleted via and by the credit bureaus who provided this information pertaining to this credit account, experian, XXXX XXXX, and XXXX, whom initially listed this account onto my experian, XXXX XXXX, and XXXX credit report files, however, I had not done this myself, as it was showing a positive and paid account proving my credit worthiness in paying it off with no issues. Now, due to this unauthorized, negative, removal, dispute, or deletion of this account, and being that I have no deragatory remarks on my credit reports whatsoever, I am not emitting a FICO score of ANY kind, or it is so low ( an 8 ) that i am unable to apply for credit in the least amount, had this one positive not been removed from my credit file and reports. ( Social Security Administration account # 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 2019-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, I made a purchase on Amazon and I thought I paid thru my XXXX account. I didn't realized that it was paid thru my Chase credit card. I never received any billing statement from Chase credit card for 3 months until I found out when i was buying a house. They submitted a late payment on my credit report for {$25.00} which made my fico score dropped 25 points to XXXX. I am currently in escrow and my loan will be denied if credit bureau didn't reverse the late payment record. Reversing the late payment record on my credit report will put my score back to XXXX. It was only for {$25.00}. This home purchase is a big dream for me because I saved my hard earned money for many years and established my credit. I called Chase and they didn't want to give me a letter stating that I was never really late. All I needed is a letter from them so that the credit bureau will reverse the late record. 
I am asking the help of CFPB to set the record that I never had a late payment. 
All I needed is a letter from Chase stating that I was never late, that it was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Firstly I am a victim of identity theft and I did not authorized this transaction.I recently received a letter from XXXX XXXX XXXX XXXX which is attempting to collect funds for a matter that has been resolved. I already filed as victim of identity theft with the bank and as I said it was resolved. The amount is for {$20000.00}, around XXXX and again I filed a report for identity theft with bank and it has been resolved. The company is XXXX XXXX XXXX XXXX XXXX, Attention : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX. They also give a second address at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX. Phone # 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 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
XX/XX/XXXX or around I started to receive debt collection calls from a company stating their name was Southwest Collections, this company advised me that I owed on ambulance bill for a XXXX  emergency ride in XXXX. I informed them that I have never been in an ambulance, after going back and forth with the representative, she decided to inform me that this was a Joint account that I am on. I informed that I am not a joint on anything and also I dont even believe you can have a joint ambulance bill. They refused to advise me who was on this joint account, either way I know this is not a bill I am responsible for, after disputing over and over with this company and going back and forth they have fraudulently added this to my credit, this is causing me extreme hardship, having a bill on my credit that does not belong to me. I disputed this with all 3 credit bureaus, however the information remains. I dont believe investigations are being done, this company should not be able to fraudulently list someone as a joint owner just to get an account paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation
State: KY

Complaint narrative:
Today, I saw something on my credit report called " Deville Asset Management. '' Upon calling, I was threatened that if I did not pay this debt off, interest would keep occurring. This is an abusive lie and tactic used to pressure people into making payments. The employee also said " there is a red flag on your account. Let me give you the number to contact. XXXX. '' I've never received any letters from this place or heard of them until today. I do not know if the debt is even valid but here I am getting threatened with interest and red flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the Federal Trade Commission as well. I sent all three letters and their contents to all credit bureaus, Experian, XXXX and XXXX XXXX on XX/XX/XXXX and I confirmed all three bureaus received them on : Experian Tracking : XXXX Delivered XX/XX/XXXX, XXXX XXXX Tracking : XXXX Delivered XX/XX/XXXX and XXXX tracking : XXXX XX/XX/XXXX delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is now XX/XX/XXXX ( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.

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 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: We Collect Inc
State: OR

Complaint narrative:
I had several visits to XXXX XXXX XXXX for medical treatment. I paid the invoices in installments and I believe paid in full. I received a notice from Atlas Financial Services, XXXX XXXX XXXX, XXXX, WA XXXX advising my account had been assigned to them for collection of {$260.00}. 

I disputed within the 30 day time frame as I my accounting indicated I had paid XXXX   XXXX XXXX in full and needed documentation verifying the debt. On XX/XX/19 I received a letter from Atlas indicating that I had to sign a form waiving my HIPAA Privacy rights to give Atlas access to my medical records. I refused to do so and do not see any reason I would have to provide access to my private medical records in order for them to provide evidence I owed the debt. 

I did not hear back from Atlas until today, XX/XX/19, when I was served in XXXX County Oregon for {$250.00} + {$55.00} + {$45.00} in fees. I will pay the full amount to make this all go away ; however, Atlas Financial Services did NOT provide me any documentation validating the debt and therefore violated the Fair Credit Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX  # XXXX**** Bal {$4200.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX BAL {$1400.00}

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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX # XXXX Bal {$4200.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX BAL {$1400.00}

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 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Since the beginning of this year, Regions bank has deducted {$5700.00} in fees from my accounts which I feel have been excessive. I fell on some hard times financially and I admit that my accounts got overdrawn. However, over {$5000.00} in fees has caused me to keep being overdrawn thereby causing additional fees. It is a viscous cycle that I have no way to rectify. I am on a XXXX  income from Social Security and can't put enough money in my accounts to overcome the {$5000.00} + in fees. 

I have called customer service, written a letter to the bank, complained on their messaging system and they have given me token refunds ( {$400.00} ) which does not address the real problem. If I continue to get fees, I will continue to be overdrawn. If I had the $ 5000+ in  fees back in my account, I would obviously not be overdrawn. I feel Regions is being unfair to me and is not willing to address the real 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 explanation