vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXXXXXX XXXX  XXXX ( XXXX ) attempting to collect amount for services at hospital emergency room visit in XXXX Florida. 

I had medical insurance and submitted insurance card at time of visit. 

Bill was submitted to me with no explanation. I responded to their request and sent them my insurance information once again. 

Several month went by and I started getting calls from XXXX. When I contacted them and stated that the bill was submitted to the insurance company and I had never received a stated saying I was not covered and my co-pay was covered. 

The collection agency stated that it was turned over to them and they were not going to contact the insurance company. 

I submitted my information to the hospital billing department and never heard another word from them but continue to be harassed by XXXX. I get no less than one to two phone calls per day to my residence and monthly bills to my residence. This has gone on for over ( 3 ) three years. 

When asked for an itemized bill to explain how much the insurance company has paid and is this my responsible portion I get nothing but canned statements that they are attempting to collect a debt, that is all and am I refusing to pay this debt. i comment that this debt IS NOT MINE. Once again this was a visit to the emergency for an XXXX XXXX and they gave me a prescription for XXXX or something like that. Not an extended stay/xrays or lab work. My co-pay was ( {$20.00} ) XXXX  XXXX  per my insurance coverage.

I have since ( a ) relocated from my temporary XXXX residence where I was working. ( b ) changed companies I work for and do not have the previous employers insurance card anymore.

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 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Reference complaint XXXX, this is an addendum to same ; on XX/XX/2018, a representative of XXXX XXXX XXXX XXXX called to " Discuss '' the aforementioned complaint. I told the representative I did not want to discuss the matter verbally but instead have all correspondence to be " Written '' and please not call. The representative immediately said " Then you want no further contact from this office? '' I again said No that is not what I said and repeated I wanted only written correspondence for this exact reason. The representative was not respectful in any way to my self. He was not respectful to the process nor did he seem concerned with any possible ramifications of my allegations against XXXX XXXX XXXX XXXX. I believe the representative called so that he might relay to the CFPB that the " Issue had been resolved '' by virtue of just calling and nothing could be farther from the truth. The rep acted annoyed at having to call.

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 2018-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
XX/XX/2018. 
{$970.00} I went to western union on XX/XX/2018, to send money to my sister they told her they were returning the money back, {$970.00}. When I called them I felt harrased from so many personal questions from them and they just told me without any explanation that I was banned from sending or receiving money from Western Union. I need an explanation because I've been a Customer for year 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Hello, My wife and I purchase a home in XXXX, we both worked and had incoming coming in. In XXXX my wife was injured by a medical professional and had to receive multiple XXXX to correct her medical issues. She can no work and is apply for XXXX at this current date. We were never late on our home mortgage till the medical issues started. Mr. Copper/Nation star would not work with us on the mortgage starting to be late for 3 years. Even with medical proof my wife could no longer work. After a long exhausting 3 years we sold the home and started renting and downsizing and payed off our debt. I tried to reason with Mr. Copper to have the late payments removed from our credit report but they would not help. My wife and I still can not apply for a home loan because of reported late payments. We closed on XX/XX/XXXX. They still counted XXXX as late payment even when we closed in XXXX and payed off the balance of the loan. Is there anything I can do? Or you can do to help me? 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/18 I was set to settle on my home. Chase Bank ( Short Sale Bank ) did not send final disclosures until XXXX this morning. The Short Sale Bank found seller short in payments by {$850.00}. The seller stated they could not pay this at this time since they were never told it was owed. Short Sale Bank came back to the buyer and not only included {$850.00} into new closing disclosure, but attempted to decrease seller assist ( promised in contract, which took over 9 weeks to get signed by bank ) by {$1400.00} on top of {$850.00}. The bank is terrible to reach, does not correspond within a reasonable amount of time, and is committing fraud by going against a signed contract.The Short Sale Bank ( Chase ) was asked for weeks to send their part of disclosure for costs and should not have waited until date of settlement. Buyer has already arranged for appliances to be delivered, painter to come in, and rented a moving truck. You can not expect the buyer to pay almost {$2000.00} more than what was promised the day of settlement and breach the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Sir, XX/XX/XXXX causing troubles to me by manipulating and tampering my credit report and showing closed account was open. Every time, they mention that there is a re-investigation and no results or evidence attached to the CFPB complaints response or I did not receive any evidence of their manipulation to my credit report. I have closed Individual Chase Credit card on XX/XX/2018. XXXX kept on manipulating my account and change the account closed status to XX/XX/2018 and XXXX kept on giving false information. I am going to submit all these credit reports and manipulation of closed account status to FBI and Honorable Courts. XXXX has committed the fraud and manipulated the closed accounts. At the same time, XXXX  did not provide the fraudulent investigations report and what reason they changed the closed account status from XX/XX/XXXX to XX/XX/XXXX without my notice and Chase Bank has given the written confirmation to CFPB that individual credit was closed on XX/XX/2018 and there are no credit cards were open on my name, what kind of fraudulent investigation was done by XXXX, no transparency and no evidence attached to the CFPB ' response. It means XXXX is a fraudulent credit bureau and they have tendency of manipulating closed accounts to open, change the status to everyday. I am going to call Federal Officer and also escalating the matter to court against XXXX and Chase. Could CFPB direct XXXX to update my individual credit card closed account date to XX/XX/2018.Could CFPB direct XXXX  to disclose the fraudulent re investigation evidences and results to me over the USPS and also upload to CFPB 's website, accordingly I will file a criminal case against CHASE and Investigation company for manipulating and tampering my closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient told me if I made a payment before XX/XX/XXXX I would not be reported as delinquent. I entered into a repayment plan suggested by XXXX on XX/XX/XXXX which called for a six month interest reduction and a reduced payment. The pay was made in XX/XX/XXXX, and Navient reported me as delinquent anyway, indicating that because I made a reduced payment and enterened into the agreement they suggested, it was not enough to prevent the delinquency from being reported. In essence I was lied to and now my credit score has taken a hit that I was told would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Struggling to pay mortgage with a chapterXXXX which took most Of the abailable income. They added in a forgiven loan and virtually made it impossible to re-finance, as we were told by the company No matter what we made it wasnt enough! We lost it ( XX/XX/2018 )

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 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
I contacted EOS in regards to a XXXX debt. We made arrangements for me to pay off {$540.00} of a {$720.00} debt. The representative told me that once the debt is paid off, it would show as a zero balance on my credit report. I asked for them to put that in writing, but they refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: PNC Bank N.A.
State: PA

Complaint narrative:
Went to my local pnc office and filed paperwork to take payment out automatically, never did and in the meantime, made a payment on XX/XX/2018. Well I called because Im still being reported as delinquent? My credit score is down 59 points? I called my local branch plus the XXXX branch and got put on hold just to be disconnected? Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, My wife and I purchase a home in XXXX, we both worked and had incoming coming in. In XXXX my wife was injured by a medical professional and had to receive multiple XXXX to correct her medical issues. She can no work and is apply for XXXX at this current date. We were never late on our home mortgage till the medical issues started. XXXX XXXX/XXXX XXXX would not work with us on the mortgage starting to be late for 3 years. Even with medical proof my wife could no longer work. After a long exhausting 3 years we sold the home and started renting and downsizing and payed off our debt. I tried to reason with XXXX XXXX to have the late payments removed from our credit report but they would not help. My wife and I still can not apply for a home loan because of reported late payments. We closed on XX/XX/XXXX. They still counted XXXX as late payment even when we closed in XXXX and payed off the balance of the loan. Is there anything I can do? Or you can do to help me? 
Thank you 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 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: OH

Complaint narrative:
In early XXXX, I called the bank to request an increase on my existing {$300.00} limit U.S Bank credit card that I have managed well since 2012. I had very good credit in which I have been building for many years. 
I requested a {$1200.00} increase through a phone conversation with US Bank Customer Service Employee, which would make my available line of credit {$1500.00} total. About a week later, I received a denial letter from the bank for my credit line increase request. 
Each month when I would go into the bank, to pay the balance on my {$300.00} limit US Bank credit card, the bank teller would inform me I wasn't earning any reward points on my existing card. So, a few weeks after I got the denial letter when I visited the local branch, like usual, the teller informed me that I wasn't earning points. So I said, Okay how do I go ahead and get enrolled in points? ( Thinking I might as well get something out of my card if I am going to use it ) So that day, I believed I had been enrolled in getting points. A few weeks later, I went online to select my categories in order to earn a certain percentage back on each purchase. Only to discover that I had two available lines of credit open. One was my {$300.00} card and another was for {$6500.00}! Outside of my own knowledge, the US Bank employee had me sign on the electronic signature box for what I was explained to be credit card points, but turned out to be a credit card. When I set up a meeting with the branch manager, she was unable to do anything about the situation and could not explain to me how I was denied a {$1200.00} increase, but approved {$6500.00} on a new line only weeks later. I was told, by the US Bank branch manager, that US Bank employee received commission from me signing for the credit card that day. The manager informed me the teller signed me up for one of my pre-qualified offers. However, no offer was discussed with me that day, which also goes to show I did not know what I was signing up for. My best guess would be that with my good credit and standing with the bank that I had many offers and he picked the highest one without discussing them with me. The bank manager was unable to answer if I had other offers available and the only explanation was she felt that was the best one. However, it has a very high interest rate and I believe the line of credit is too high and put a huge ding on my credit score. It is just unfortunate that a commission driven employee is able to get away with a scam on a loyal US Bank customer.

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 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander continues to illegally report on my credit a debt that they are claiming. They keep changing the account closed dates, the account number, and the amount so they can continue to report it. They have also fabricated a payment in 2016 so the reporting period would start all over. I have disputed this account both with Santander and with the credit bureaus. They then sold it to a reporting agency and had it reporting to my credit as 3 separate line items. I was able to dispute that due to the similarities. It was at that time that they added a false payment so that they could continue to report this as a bad debt on my credit reports. This debt is passed 7 years and due to their illegal reporting practices it continues to harm my personal credit files as though it is a brand new collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
The company XXXX XXXX XXXX, is harassing me for a debt they say I owe, it doesnt even show in my credit history, they say that they sent letters of collection to two address that I have not leave there for more than ten years, and the account was suppose to be in debt since 2012. They have call my work place asking for me and have call my cell phone treading to sue me even take my property away.

I contacted HSBC asking them for information on my debt and they didnt find anything, I called folder dept and found nothing so I wrote a letter asking to get the company name they sold my case to ... I suppose to owe {$660.00}. This is the number to reach XXXX. XXXX number is this XXXX. The place sounds like its empty with an echo, then they call back and has some voices like operators but I didnt hear it before ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
This company has never contacted me through written correspondence. They have place this account on my credit report regarding a debt that I do not owe. I was never provided any details as to the authenticity of this account because none exist. I believe the creditors are partaking in fraudulent activities as this is an unauthorized account. I have disputed these accounts with XXXX, it came back as verified. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost.

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 2018-09-13 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: PA

Complaint narrative:
Went to my local XXXX office and filed paperwork to take payment out automatically, never did and in the meantime, made a payment on XX/XX/2018. Well I called because Im still being reported as delinquent? My credit score is down 59 points? I called my local branch plus the XXXX branch and got put on hold just to be disconnected? Help

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 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I signed up for a 0 % balance transfer for 12 months and they didn't honor it but charged me over a hundred dollars in interest on it and I contacted them about it and never heard a word back. I told them no one in their right mind would transfer {$5000.00} into an account with an absolutely ridiculous rate of 24.74 % which they charge for someone with good credit and wont lower.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I WANT TO SEE THE EVIDENCE THAT I OWE THE DEBT THEY CLAIM I OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I've had a couple of issues since being switched over to XXXX XXXX XXXX ( XXXX ). Initially, I had difficulty in logging into my account when being switched over from my initial lender so I spoke over the phone with a representative to help me get everything set up. This also entailed getting the online automatic payments set up. Knowing that I would be out of the country in XXXX ( when the next payment was due ), I was under the assumption that everything would be drawn from my account and that I would have nothing to worry about. I come to know that my account was past due and that I had been reported to the credit bureaus. Upon speaking to representatives at XXXX today ( XX/XX/18 ), we have noted all of the above concerns on the account. Secondly, I both XXXX and XXXX have noted that I have 4 missed payments, yet there are only 2 loans and the only " missed payment '' that caused the case to be filed was for the month of XX/XX/2018. 

I have never missed a payment in my life and to see this all around the time I am attempting to be another home is quite troubling and concerning. I have submitted all necessary payments and made sure with XXXX that everything is now functioning automatically. Please take my entire history in considering the case, again I have been a model borrower, I have a mortgage and car payments that have never been late. Thank you for your time and consideration. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are multiple names on my account that do not belong to 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 non-monetary relief