vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: MI

Complaint narrative:
Please see attached. 

I was first contacted in relation to an alleged debt owed for medical services by  a collection agency named First Federal Credit Control , Inc. on XX/XX/XXXX After disputing the validity and requesting validation of the alleged debt, First Federal Credit Control , Inc. provided me an incomplete invoice. ( two pages of a 32 page document i.e Page 1 and Page 3 ). During the period I had disputed the validity of the Debt, First Federal Credit Control , Inc. published a derogatory collection account on my credit report. Thus causing my credit score to drop. I sent a 2nd request to the collection company indicating that they had violated my rights under the Fair Debt Collection Practices Act, and demanded the the negative report to my credit report be removed and that they provide me with the account validation I had originally requested. To date, I have received nothing and the derogatory remark remains on my credit report. 

Then onXX/XX/XXXX, I receive a NEW collection letter dated XX/XX/XXXXfrom what appears to be a second attempt at collecting this alleged debt, this time from an attorney acting as a debt collector. 

I am being harassed for payment of a medical bill that neither the doctor 's office can not validate, nor the original collection agency, because the bill was paid by my two ( 2 ) medical insurance providers previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I fell behind on my mortgage last XXXX. I used all of my saving to pay for my fathers funeral arrangements, but I did n't expect that my business would slow down ( I 'm XXXX ). I have been applying for a loan modification since XX/XX/XXXX with M & T Bank. I have applied and been denied 8 times and every time it was something different as to why I got denied. Each underwriter I have dealt with has requested something be done differently, for example, one underwriter wanted me to resubmit all bank statements because each deposit was n't circled when I had applied 4 times before that with no problems, another one said they could n't use my XXXX account as income because it was n't a business account when I was told in the beginning just to deposit money in my accounts and it did n't matter which ones as long as they could track my income ( and again I had applied before with no one having a problem with using both accounts ). I have yet to be given the correct way to apply because it always changes depending on what underwriter is looking at the application. Up untilXX/XX/XXXXof this year, they were including extra items in my expenses ( such as student loans, etc ) that were not supposed to be there ( because they are not due ), which cause me to be denied due to not enough income. I finally spoke with a supervisor who went over all the expenses etc as to why I was denied. She also told me they were taking out 13 % taxes but I was already taking out my own taxes before giving them an amount. So the following times I applied I sent proof of the student loans not being due and that other accounts were paid off. Recently I was denied again, now they are telling me that the tax rate is 25 % and here again I thought I was supposed to subtract my own taxes but that was n't the case. I am really trying to save my home, I have been here 10 years and never missed a payment until last year. I was still making monthly payments until XXXX when they changed investors and would n't allow me to make 1 monthly payment. I refinanced my home in XXXX and have been with M & T since then but it seems as if they do n't really want to help me save my home. All I am asking is for the past due to be put to the back of the mortgage so that I can continue to keep my home. I just recently submitted a new application on yesterday and hope that it was done correctly because again I have been applying for a year with the same information ( other than my income fluctuating ) and been denied for different reasons each time. I have not been given the proper guidelines as to how to apply and here I am almost at foreclosure. Can someone please help this company needs some consistency within their underwriting department but you 're not able to speak with anyone in that department.

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 2017-09-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a credit card with chase bank. They approved the credit card and than randomly closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
XX/XX/XXXXvia telephone call capital accounts llc, the spokesperson stated that I owed a balance that is not accurate. I informed the spokesperson that I filed a complaint with XXXX stating that the balance due was not accurate and my balance was reduced. therefore I said that I was not going to pay the balance because it was not accurate. The spokesperson used sarcasm stating that this matter should have been addressed back in 2012. I 've been informed him to that 7 years past that date The Collection would fall off my credit report he argued with me and stated that it will not fall off. I then asked him not to call me and he said that he will call me tomorrow and again the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I received confirmation that my information with Equifax has been exposed. 
Please let know what options i may have regarding this. My personal identity has now been released and exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NV

Complaint narrative:
On or about XX/XX/XXXX, I cancelled service with my cable provider XXXX XXXX. I was charged a {$200.00} early cancellation fee. I never entered into a contract or agreed to use their services for a specified time frame. The debt was transferred to a collections company. I responded certified letter within 30 days requesting proof that I entered into a written or verbal contract. While they provided a detailed statement, no proof of contract was provided. On XX/XX/XXXX, the account was then transferred to a second collections company, starting the process all over again. I believe the policy to transferring collections accounts on unresolved debt is tantamount to harassment.

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 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO XXXX, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX, furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit freeze process is burdensome and needs to be streamlined like the ease of obtaining credit reports. 

I filled out one form for all 3 agencies through XXXX, and got a credit report from all 3 with ease.
Each 3 companies have different hoops to jump through, and make it impossible to freeze credit reports online. 

Since they all sell monthly monitoring for a fee, their pay services are front and center. 

It seems they want to make it hard to obtain freeze online so you will give up and buy their service. 

I realize with the XXXX data breach things are quite busy at the reporting agencies. 

Try freezing your own credit online and see for yourself how this does not work well at all.

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 2017-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I was illegally sued by XXXX XXXX XXXX for 2 private student loans in XX/XX/XXXX. I had disputed these loans with the original creditor and XXXX and requested proof of debt owed. I never received anything except a summons for court and notification that I was being sued. I had to hire an attorney to represent me and was bullied into accepting and paying a settlement on loans without proof that I owed the debt. My husband and I were in a rebuilding stage of improving our credit after having to file bankruptcy and losing our home in XX/XX/XXXX and felt we had to pay or risk losing everything again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I Paid USAA XXXX for a credit card payment electronically ( initiated from USAA ) from my XXXX XXXX Checking account. The amount cleared my bank onXX/XX/XXXX2017 and shows it being deposited to my account in USAA Credit card. The Credit Union will not release the funds until XXXX or XX/XX/XXXXto credit my account, because, as the executive problem resolver informed me, " Your funds are being held up by the Federal Reserve ''. They could not give me any formal written policy that says that this is allowed with my Credit Card Agreement. The Federal Reserve informed me that they " do n't hold funds '', and told me to contact this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meridian ARG Inc.
State: NH

Complaint narrative:
I contacted this company and asked what this debt was for - it 's apparently from around 2002, and in addition to harassing phone calls to both myself and my husband, they gave out my full social security # over the phone, before even confirming who I was. I have asked them to send correspondence to me to show this debt, and they have refused.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
We have submitted a complaint for this issue previously but we were told they were n't calling our main number that I listed. The company made no effort to contact us to determine what number was being called. Now I have listed the numbers for our office. This place KEEPS calling over & over for someone that does not work here! I stay on the line EVERY SINGLE TIME so that I can tell the person to remove our number, they kindly say they will and then never do! Today I called Gila Corp and a lady by the name of XXXX picked up to help me, the second I told her I had previously filed a complaint with the CFPB she instantly hung up on me, what great service huh? This company is absolutely HORRIBLE and will not stop calling our place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: EQUIFAX, INC.
State: DC

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against XXXX Equifax and the XXXX XXXX XXXX XXXX.
I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give XXXX a chance to resolve this issue. I filed a re-investigation, and still to no avail XXXX and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went through an drive-through ATM to withdraw {$200.00}, and I did not receive my money, I immediately call the number on the ATM machine, they I had to call the numbers on my card, I also went into the bank they said I had to the numbers on my card because they could do anything about it, so I called file a claim, couple weeks later they temporarily refunded the money back into my account, and then on XX/XX/XXXX they reversed it back, so I was sitting with negative {$200.00} in my account. When I received more money into my account, they took it. This is serious, my money was taken from me, they was not able claim it, they are wrong! I want my money back!

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX 2017 I went to the website www.transunion.com to access my credit report. I am aware that I am entitled to one free credit report per year, I was not aware that you get these reports from a special website.
On the Transunion website one of the big buttons is titled " My credit score & report '', which I clicked and followed the instructions with the hopes of obtaining my free credit report. On one page within the process I was asked for my credit card details, which I found strange. I reviewed the webpage to see if I missed anything about having to pay a fee. On that particular page there was no details about any charges that I would incur. 

I completed my profile and verified my identity. It was at this stage that I received an email with a summary of my " order '' showing that I will be charged {$19.00} per month for credit monitoring services. 

At this stage I reviewed the sign-up process again and there was indeed some very small print on some of the pages stating that I will be charged {$19.00} per month. It is however not clear at all that this is the case and I find their business practice and website design very questionable - it feels like I was scammed. 

I cancelled my subscription immediately and phoned them to voice my dissatisfaction. Without any hesitation the call center agent offered me a 50 % refund - this to me is a clear indication that this has happened numerous times before. Also when I cancelled my subscription Transunion enquirers as to the reason for my cancellation - one of the options available was " I was unaware that I would be charged. ''

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 2017-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: MD

Complaint narrative:
Without notice, explanation, or consent, FedLoan Servicing placed my loan into forbearance status. It then unlawfully added capitalized interest that was not owed to my principal balance without notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: U.S. BANCORP
State: ID

Complaint narrative:
I have had the US Bank Cash + credit card for many years. Under the program terms, consumer must select categories for 5 % and 2 % rewards. Under their disclosure, Fast Food is a 5 % category. XXXX 's appears under the list of " merchants in this category ''. See attached document. For several years, I kept wondering why I was only getting 1 % for my purchases at XXXX 's. I conducted a test during the month of XXXX, 2017. I had two charges at XXXX 's ( {$12.00} and {$17.00} ) for a total of {$29.00}. When I reviewed my statement, I noticed that I received XXXX ( 1 % ) instead of {$1.00} ( 5 % ). This has been going for years. I have brought this to the attention of US Bank several times. I believe that they should either change their advertisement to reflect that XXXX 's is not a 5 % merchant or credit my account with the additional reward amounts. Several times the Bank has promised to research and resolve this with either option outlined above ( change advertisement or credit additional rewards ). The money involved is not large, but my guess is that there are a significant number of people affected by this. The print key submitted is from today ( XXXX XXXX, 2017 ) so US clearly is continuing this deceptive practice.

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 2017-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XX/XX/XXXX2017 I called Navient my student loans provider to talk with them about my approximate monthly payment and the options for lowering my monthly payment once my grace period ends in XXXX. My family and I just moved from XXXX XXXX county in XXXX upon our completion of school to XXXX XXXX because we could no longer afford our bills, rent, etc. We had accumulated in {$8500.00} in credit card debt just to survive. We 've moved in with my family and are essentially homeless. We can not afford my {$590.00} payment for my private loans on top of the payments for my husband and my federal loans. I was told there are not really any long term solutions to help me, despite the fact we ca n't even afford a home to live in with our XXXX XXXX. The lady I spoke to was not accommodating to our situation and made it clear that I could not be helped with anything until XXXX XXXX, 2017. Simply, I can not afford my private student loans to Navient, and still be able to put food on the table for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Hamilton Law Association
State: OR

Complaint narrative:
XXXX XXXX from Hamilton Law Association called repeatedly before XXXX XXXX on X/XX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX, and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation