vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 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: ACCESS GROUP INC.
State: NM

Complaint narrative:
Access Group INC, I have tried time and time again to have a " Consumer Dispute '' removed from my XXXX credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the Summer of 2009. All of my documents were sent via registered mail return receipt. 

The following is my current information : * Access Group INC - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: UT

Complaint narrative:
ERC : Enhanced Recovery is reporting on my credit file, for one, I never got a 30 day right to dispute or any notification, they just put it on my report. Also they are collecting for XXXX whom I do not owe .... I signed up for XXXX awhile back because they promised me they have coverage where I live, which is very very rural. They said I would have service and no roaming fees. So I switch, well my first bill was $ 1100+ because everything was in fact roaming, they do not provide coverage in my area I found out after speaking with a manager. So I do not owe this bill, they are lying to customers and doing bad business. I would pay what my normal bill should have been but I will not pay for extra fees in which I would have never had if I did n't switch over with them promising me I would have coverage. They need to be investigated as they have hundreds of thousands of complaints regarding this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX NJ has you sign a receipt in classifications when u receive prisoners clothes on intake ... they do not tell inmates that once you sign the receipt for prison clothes..The prisoner actually is signing Power of Attorney over to WELLS FARGO BANK XXXX This is a fraud, a bait and switch a private prison and Bank working together to take control over peoples finances..It is discriminatiory against American people on XXXX or receiving government fundS..cIVIL RIGHTS INFRACTIONS..A fraud against the people ... Wells FARGO bank unethical illegal money grab of social security funds and XXXX XXXX XXXX scam of denying out of town inmates to make long distance phone calls meant to isolate and deny people basic rights ... How is it that a Bank and Prison complex start this scam when patient confidentiality laws weny into effect.1996///the prison /bank /jewish family sercices HEALTH CARE FRAUD and wELLS Fargo bank owe over 20 yrs of theft ..they have been getting away with since 1996 ... they are disappearing bodies, and the payments keep going to the bank..and no accountability or transparency as patient confidentiality laws hide this scam fraud ..targeting the " UNWORTHY ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
My previous Income Driven Repayment Plan was {$66.00}.
I joined XXXX XXXX and my monthly salary significantly decreased so I updated my Income Driven Repayment Plan on XX/XX/2017 to lower my monthly payments which should have been decreased to {$0.00} a month. I provided all documents including proof of income and was told over the phone my payments would in fact be {$0.00} a month due to my low income. On X/XX/2017 my repayment plan was approved but had increased to {$180.00} and was automatically withdrawn from my bank account on X/XX/2017. I contacted Navient to ask why my payment plan had increased when in fact should have decreased to {$0.00}. I was told to resubmit the Income Driven Repayment Plan Request form and proof of income. I submitted the documents on X/XX/2017 and on X/XX/2017 my request was approved but only after financial hardships living on such a low salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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 am filing a formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV ). I recently went to purchase a vehicle and the dealer XXXX XXXX ( XXXX, FL ) ran my credit and informed me that the above creditor stated that I had an account with them and reported to the Credit Bureaus that it was in collection. Because of this, my dad had to co-sign my loan and pay a higher interest rate because this reported collection impacted my credit score to the point that I could not obtain credit in my name. I contacted this company on two occasions and found that neither parties are associated with the above company ( XXXX XXXX XXXX ) and XXXX reviews shows it is a scam company. I contacted Equifax and they researched the information and stated that they would not remove it. I have never had credit with the above company and it is apparent that Equifax is also not assisting me. My complain is that the creditor ( XXXX XXXX XXXX ) and Equifax are reporting mis-information and are failing to act on my behalf which has cost me additional interest on my loan and impairs my ability to get credit lended to me in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX GA XXXX This company bought my two duplex loans about a year ago and it has been a NIGHTMARE since day one. Even though we pay both our mortgages every month because we are currently in active bankruptcy we have NO way to look at our account. I get no statement, can not see anything online and the ONLY way to pay the bill is to either mail it and hope it get credited correctly or call and be on hold for about an hour and pay over the phone. I am told the only way to get a statement, escrow balance or ANY information about my loan is to FAX my request to them AND I have to send a separate FAX for each statement or piece of information I want to know. I have a right to the information about my loan!! How do I know what my balance is or if my payments are being credited or it I am being changed 'unknown ' fees. I want access to my loan information without jumping through any hoops to get it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I receive repeated phone calls throughout the day from Transunion for a debt that was paid in XXXX. I personally spoke to a representative and so did the doctor 's office to tell them the debt had been settled. This was in XXXX. I have received at least one call almost each day, and other days there are 3-5 calls. I have not received any statements of said debt, so I have reason to believe they are harassing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I received a phone call tonight XXXX on XXXX XXXX 2017. They refuse to tell me what they are calling for, or what " debt I owe. They will not give me any info until I verify my social security number- not happening. They call ALL DAY everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: FL

Complaint narrative:
I contacted TransUnion to have the last payment made date looked into. It has still not been fixed. It almost seems whoever might have did it so that I would report the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: NM

Complaint narrative:
XXXX XXXX XXXX, I have tried time and time again to have a " Consumer Dispute '' removed from my Experian credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the XXXX of 2009. All of my documents were sent via registered mail return receipt. The following is my current information : XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX, XXXX, XXXX XXXX, 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 2017-08-14 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 — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have been reported by Credit Collection Services for over two years ( XX/XX/XXXX ), I sent a letter by certified mail on XX/XX/XXXX, in order to obtain information of this report as the information reported is inaccurate. I spoke with a representative over the phone, they told me they received my letter on XX/XX/XXXX, but the account was closed on XX/XX/XXXX, that was the reason they have not replied to my letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
XXXX - I paid off my automobile loan in the summer of 2010. I  requested a copy of my credit bureau from XXXX, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage is with Ocwen. My loan to value ratio is ~77 %  based on the original sale price 3 years ago. When I contacted Ocwen to have them remove the PMI on my loan I was originally told my loan had not crossed the 80 % loan to value threshold. I explained that their numbers were incorrect and that the original loan documentation proves it. They rechecked the numbers and agreed that I was at ~77 % loan to value. When I requested they remove the PMI charges, they said I would have to pay them to have an appraisal done in order to remove this. I offered to provide alternate valuations ( State tax appraisals ) that show my house has appreciated in value, but they said they can not accept anything other than an appraisal through their vendor. This is a clear case of extortion. I have met the requirements to remove PMI based on the original loan terms and have offered to provide current, alternate documentation to the value of my home, but they will not accept anything other than a vendor of theirs being paid for an appraisal. When I asked them when they would automatically remove the PMI charges, they said they would not remove them unless I paid them the fee to have the appraisal done. I feel like this in not only an extreme anti-consumer practice, but a clear case of extortion since my only options are pay them the appraisal fee or pay the PMI forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: OH

Complaint narrative:
XXXX XXXX split off their service provider to XXXX in XXXX, knowing that the public service forgiveness program was started. In doing so this company did not participate in this program. I had been making payment to sallie mae and XXXX for almost 6 years or so starting in XXXX until I found out that XXXX did not participate. I am eligible for public service forgiveness, working for 23 years for a XXXX. In steps XXXX through Global Client Soultions who solicited me. They said the had a program that would allow me to be eligible for loan forgiveness. But they had to charge me {$250.00} dollars! XXXX XXXX, XXXX XXXX an XXXX XXXX of XXXX total of {$770.00}. Had i stayed with XXXX XXXX at {$300.00} a month i would almost be paid off {$36000.00} With XXXX at {$380.00} based on 25 years 300 payments {$110000.00}, restarted payment XXXX, 10 years after loan forgiveness 120 payment {$380.00} = {$46000.00} I will be retiring in 7 years still paying for corporate greed an deceptiveness. I have been lied to, charged for something that is free but that was never said and mislead by all companies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
XXXX 2017, I attempted to get validation on a medical debt that I believed may not be mine or inaccurate and/or incomplete. I wrote all credit bureaus regarding the issue, as I am a victim of identity theft and wanted to make sure the debt was mine and if so I sought documentation validating the debt was mine to include a billing statement, what amount insurance paid and/or the discounted rate if no insurance was paid, and date of service. During this dispute, the debt was deleted by all three credit bureaus after 30 days as being invalidated. I was informed that the debt would not reappear on my credit report unless the debt was validated and I was provided written notification within 5 days of reinsertion. I was never notified by the collection agency or the credit bureaus of reinsertion, note bearing my signature to the original creditor, payment history on the account, and itemized charges and fees. Due to this violation of the law, I rewrote the bureaus to notify them of the error and illegal practice. XXXX corrected the error because the reinsertion violated the law and removed the collection from my credit file, but XXXX did not due to the collection agency 's illegal practices. The collection agency through its communication did not notify me of the debt, my rights to dispute the debt, or the contact information of the original creditor. Also I have attempted to research the contact information of the original creditor but have been unsuccessful. I XXXX the original creditor and the internet provides data that reflects that original credit is an affiliate of the local hospital and list the local hospital as the contact phone number. When I called the hospital billing department ( XXXX ) I was sent to the emergency department. The ER department said that they do not handle that account and that company has been sold multiple times. They gave me the number to the company that handles the original creditor 's recent accounts at XXXX. This agency said they only handle the original credits scheduling and I was given another number to contact XXXX. I was informed they do not handle this debt and to try XXXX but I got no response. I have been trying to resolve this issue for several months. Please note that my address and phone number has been current with all credit bureaus for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XXXX of 2017, I got a letter by mail with an offer to open a credit card with a promotional 0 % APR for 15 billing cycles on balance transfers and {$0.00} Transaction fee if used within 45 days of opening the card I applied, so I could transfer {$3500.00} from another credit card. Having excelent credit score, I saw no problems with getting approved for the amount mentioned above. I was approved for a credit limit of {$250.00} dollars. Obviously when asked about the reason, I was told because of high balance on other cards, even though my credit score is excellent. Strange thing, but I believe this is a misleading advertising as with this they got me enrolled, but I will not be able to use the offer that lead me to open the account on the first place. When I called to ask for the reasons, they ran my credit report for a second time, as they said that they couldnt use the previous one.  All for nothing, as they didnt grant any credit increase. This will affect my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: NM

Complaint narrative:
XXXX - I paid off my automobile loan in the XXXX of 2010. I requested a copy of my credit bureau from Experian, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.

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 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a checking account at Citi Bank. On XX/XX/XXXX, early morning at XXXX XXXX I deposited my " PAYCHECK '' via ATM. I received a letter via notification that my PAYCHECK funds will be available in 3-5 business days.But after I deposited my paycheck, the next day Citi Bank seized my entire account. When I called customer service they connected me to fraud department saying due to an " unusual '' activity they are not clearing this check and have held all my savings. They said they are holding my entire account until they resolve this matter Not only did they block my account they also seized my all money that I had before depositing the check. After 4 days on XX/XX/XXXX they release my cash fund and Fraud department told me to visit Bank so Bank can help Me release funds.When I went to Citi Bank Branch located on XXXX XXXX XXXX, XXXX XXXX where I originally deposit my check into ATM. I spoke to Citi Bank Manager and even I explain to her and she went through my account and told me it 's not her department and she told me I have to contact fraud department while I was sitting there I called fraud department and I let her speak to fraud department and after she hung up she said she ca n't help me. I also dial XXXX XXXX manager where my employee issue check from and XXXX XXXX Manager also confirm that the fund has been released from their side. They are not holding any amount but still she refuse to help. I asked her to give me reason why my money is been held and she gave me a letter saying my fund will be release after XX/XX/XXXX. Sir, I have family to support including XXXX little kids, my daughter is XXXX XXXX  old and my son is only XXXX  XXXX. I have not received single letter from Citi Bank saying the reason for holding my Money. I already paid {$100.00} more to pay rent since my rent check has been returned and I had to borrow money to pay rent. I have attached documents so you can evaluate my situation and help me to release my fund early 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 explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have told this company not to call the number they have on file, as it is not a good number to call. They repeatedly call, and have sent letters to my house. I want them to stop. They will not stop. They need to stop. I want to file a harassment lawsuit against this company.

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