vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. commonwealth NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX XXXX XXXX my checking account was hacked for XXXX $ and I thought no big deal and XXXX XXXX XXXX was account was hacked by the same person or persons for XXXX XXXX I bank at Chase Bank and at first they told me it would take 24-48 hrs. to retrieve my money and then that turned into 10 days. By the banks advice I closed my old checking account and opened a new one. The bank then said they tried to put my money in the old account and could n't because it was closed. So then they told me it would be an additional 10 days because they had to go through the process of verifying that the money should be transferred and I told them they already decided to transfer the money why would this process have to be done again and they did n't have an answer they just said that it would. Then after that 10 days expired I called again and they told me it would take until XXXX XXXX before my money would be returned. At this point I do n't have a good feeling that will happen, they will come up with something else as an excuse and that will make it almost 2 months that I 've been without close to a XXXX dollars and I do n't know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: DC

Complaint narrative:
Back in XXXX Ive received a bill from XXXX, I called then and explained to them that this isnt my bill and they told me that they couldnt put someone else bill in my name. I filed a police report and found out that the bill belongs to someone else with the same first name, middle initial, and last name as me. The detective have not contacted me back since then and Ive tried calling and still wasnt able to speak with the detective. This year I checked my credit report and seen that the bill was still there. I disputed it over the phone and they havent removed it but they gave me a shorter date for it to close. There is also a address connected to this bill on my report that Ive never lived at.

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 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I purchased a new XXXX XXXX XXXX which was financed through Wells Fargo at 4.99 % and I was told that after XXXX year I could refinance to lower my payments. Yesterday I called them to refinance and they told me that they could lower the payment from {$560.00} to {$540.00} but the rate would be 7 %. This does not really provide me with any options. The {$560.00} payment is too high. The folks that I spoke with were very non empathetic and gave me the impression that they could not care less about my situation and there was no attempt to try and resolve this issue. 
I have run into hard time and had to move into a place with a higher rent and so I do n't have the disposable income that I originally had to pay this high payment. All I am asking for is a reduction that will help me stabalize

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 2017-09-27 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: GREAT LAKES
State: MI

Complaint narrative:
I have submitted an application for Income Based Repayment plan ( twice now along with mine and my husband 's W2 's ( current year ) and my paystubs ). Great Lakes now has XXXX applications, XXXX paystubs and a copy of mine and my husband 's W2 's. I have received confirmation that these faxes have successfully been transmitted. Yet Great Lakes continues to send me emails saying they can not process my Income Based Repayment plan because they still need mine and my husband 's W2 's and paystubs. I have done everything on my part to ensure Great lakes has received my documentation. I 'm unsure as to why my Income Based Repayment plan is not yet processed? 

Great Lakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
in XXXX XXXX i ordered items from roamans clothing. i had free shipping. i returned the items the day after i received them. i was told in an online chat with roamans and via email that i was assessed a {$7.00} fee and would receive a bill soon. i received no billing until the end of XXXX XXXX, at which time a {$25.00} late fee was attached to the {$7.00} fee, i contacted the company who instructed me to contact the card holder which was comenity bank. i did so, but was told i had no account. i next received a bill in XXXX XXXX and the late fee was again applied now taking the {$7.00} return fee to {$51.00}. i again contacted the company which again told me to contact comenity bank which i did. again i was told i had no account and was transferred to XXXX different people/depts. finally i was disconnected. i next received a bill in XXXX XXXX for {$82.00}. which are inflated late fees. i used an online chat with roamans to verify the {$7.00} return fee. was told to contact comenity bank. which i did and the same scenario happened. XXXX different transfers, no account verified. nothing resolved. i have been unable to get this absurd situation corrected and they are reporting this amount past due to credit agencies. an amount i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: GA

Complaint narrative:
XXXX, Experian and XXXX have provided my financial information to companies and individuals that have stolen all of my assets and my IRS information.

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 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NV

Complaint narrative:
After XXXX years of being together, my partner XXXX and left me with this hardship. I want to continue living in my house ; however, the servicer of the mortgage basically refuses to help. My loan at origination was a XXXX XXXX insured mortgage. In XX/XX/XXXX when my partner refinance our house, it continued to be a XXXX XXXX insured mortgage. Earlier this year I had my mortgage servicer, XXXX, process my application for the XXXX XXXX Refi ; however, while awaiting a determination, XXXX ( or whomever ) sold my mortgage to an investment pool and switched servicing of my mortgage to Selene Finance. Although my mortgage no longer shows up in XXXX XXXX 's database as current, per se, it is still insured by XXXX XXXX and the servicer has to follow the servicing guidelines. 
Selene had told me that they acknowledge that XXXX was being processed as a XXXX XXXX refi ; however, they will not be processing anything as a XXXX XXXX. They claim investor 's are not subject to servicing guidelines. 
Although I am fully aware that this agency can not tell a servicer ( unless its a XXXX ) which foreclosure mitigation options they must offer, your recent rule amendments in XX/XX/XXXX indicate that services must provide comparable foreclosure mitigation options ( and that you look at XXXX 's as the standard ). 
After Selene informed me they can offer what service foreclosure mitigation options they want and wont follow XXXX, I asked what foreclosure mitigations do they have? Are there any options that exists that is similar in nature as I want to keep my home? No meaningful information was forthcoming. 
Moreover, I asked if there was anyway I can view these foreclosure prevention plans that they do offer - I even asked if they publish it anywhere, including online. They stated no, they do not have this information available to provide. 
These actions are in non compliance with the rules of regulations under your authority. I am about to lose my house as a result of businesses being allowed to run amok to the detriment of citizens like myself. Unfortunately for me, I am a long-term, XXXX XXXX and XXXX, and I will impacted more severely as a result. 

No meaningful action has been taken by Selene regarding my hardship and the obligations required upon them. 

Lastly, I am attaching a copy of a Securities instrument proving that my mortgage is still insured by XXXX XXXX. My loan # with Selene Finance correlates with the Securities instrument attached issued by XXXX XXXX proving my statements. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: GA

Complaint narrative:
Transunion, XXXX and XXXX have provided my financial information to companies and individuals that have stolen all of my assets and my IRS information.

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 2017-09-27 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: NJ

Complaint narrative:
I was part of equifax hack. Sign up for Trusted Id identity theft protection. 3 days ago I received an alert that there was some suspicious activity and that I need to contact them. I have tried repeatedly over the last few days to contact them via phone and the line has been busy so I could n't get through. Their website has also been down during this 3 day period

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: CT

Complaint narrative:
My original complaint is with XXXX - # XXXX regarding a student loan. XXXX response to CFPB and myself XXXX XXXX, they ask me to contact National Enterprise Systems, I received a letter from National Enterprise Systems , Inc. regarding a co-borrower release on this account ( s ) and to release me form obligation to XXXX XXXX in the amount of {$4000.00} by XXXX/XXXX/XXXX. " To take advantage of this tremendous savings to you, contact us today at XXXX XXXX XXXX XXXX. So I took the paperwork to my Credit Union for a Loan, and they suggest that I verify the information in this Letter. because I had on going issue with XXXX I am including CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2017-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Following is a transcript from a chat I had with a representative of Synchrony Bank regarding my online savings account. The Company publishes an attractive interest rate but fails to mention at the time of account opening that it will take 3-4 days to post deposits, which means they earn interest on the depositors money while blaming it on the " ACH process ''. 

Time Details XXXX XXXX XXXX XXXX XXXX " Why is it taking so long for my deposit to be recorded. An amount of {$53000.00} was deducted from my account at XXXX XXXX on Tuesday, XXXX XXXX. Where is my money and who is earning interest on it while I wait for it to post to my Synchrony account??? '' XXXX XXXX Agent ( XXXX XXXX ) : " Thank you for contacting Synchrony Bank XXXX My name is XXXX. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX : " I apologize for the delay. '' XXXX XXXX Agent ( XXXX XXXX ) : " Please allow me sometime while I check that for you. '' XXXX XXXX Agent ( XXXX XXXX ) : " ACH Transfer into or from the bank are 3-4 business days. '' XXXX XXXX XXXX XXXX XXXX " Every other online savings account I own takes no more than 1 day to post transfers. I guess your rate is nothing more than a scam. Bait and switch. You are earning interest on my money ILLEGALLY and will soon lose me as a customer! '' XXXX XXXX Agent ( XXXX XXXX ) : " I apologize that you feel so. However, our rates are quite competent in the market and have only seen an increase in the last one year. '' XXXX XXXX XXXX XXXX XXXX " Rates do n't matter if I lose 3 days of interest!!! '' XXXX XXXX Agent ( XXXX  XXXX XXXX : " The reason an ACH transfer takes 3-4 business days to complete is due to the fact that it has to go through the Automated Clearance House XXXX which is a standard procedure for a lot of other banks. '' XXXX XXXX XXXX XXXX XXXX " That 's nonsense. Not true at any of my other banks! '' XXXX XXXX Agent ( XXXX XXXX ) : " I completely understand that it can seem unfair loosing interest for the 3 days. However, it is our standard procedure. '' XXXX XXXX XXXX XXXX XXXX " Nothing more than bait and switch. I 'll spread the word!!! '' XXXX XXXX XXXX XXXX XXXX XXXX ) : " I will also go ahead and take a complaint regarding this. ''

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 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On the XXXX of XXXX XXXX I was charged {$80.00} XXXX, and on the XXXX of XXXX I was charged {$50.00} by a franchisee of XXXX XXXX. The Franchisee is named XXXX XXXX. These are NOT all the transactions I have made with said franchisee, but these are the only two transactions with the franchisee that Bluebird by XXXX will allow me to dispute. 

On or around the XXXX of XXXX the named franchisee went into my place of employment, broke into my locked toolbox and took back tools that had been paid off. 

The reason said franchisee stated was " I have n't heard from you in months '' which is completely untrue and absolutely fabricated, as a {$50.00} payment was made just 7 days prior and I had seen the franchisee in person. I have since learned that this a tactic sometimes used so that the franchisee can essentially sell the same tool twice! I learned that the franchisee discretely sold a socket set that was taken from me to my very boss, whom I work with. 

I have a paid attorney who has assisted me in filling out a " declaration of damages '' for filing in a local district court. These damages are being claimed against XXXX XXXX, but have not yet been filed, as I would rather have a determination from Bluebird to proceed, as this would substantially help my case against the franchisee. I am not by any means trying to gain here, I only want the money I work very hard for back. 

I mention this because when I disputed the last two transactions made with the franchisee using XXXX XXXX XXXX, I alerted XXXX I was taking this franchisee to court. I was asked to prove this in a manner that made me feel as if i was lying, and making this story up, as if I have n't been victimized enough. 

I have paid approximately {$400.00} US to this franchisee and am able to only dispute a total of {$130.00} with XXXX XXXX XXXX. I learned this morning the {$80.00} dispute was denied, and XXXX has thus far not only refused to give a reason why, but I was told over the phone on the XXXX of XXXX XXXX, that the dispute refund was GRANTED and I should see it in my account by today! ( The XXXX of XXXX XXXX ) I apologize if this seems long but this is something I have been dealing with for a couple of month 's and am now becoming rather agitated over. It may seem like a small sum of money, but as an auto technician, this is money hard earned. 

I truly appreciate any help in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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:
XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX 2015 and is reaging this account to show a negative account on my XXXX XXXX reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.

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 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have been trying to sell my property however there is a lien on the Property ; the property had been re-financed, paid and transferred to XXXX XXXX XXXX from XXXX XXXX that is now Ocwen mortgage -- I have tried to get a lien release without success

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sold my fathers home after he XXXX and was rightfully due all escrow overpayments as well as a check that was sent in my dads name. The check was for compensation for how I was treated during a loan modification for the home which I applied for after his XXXX. I sent Wells Fargo mortgage all of the documents they requested to receive the escrow and check, in my name. This process started as soon as I closed on the house on XX/XX/XXXX. I also requested they send me back some of the fees I paid, which they agreed to do. I received several letters from different loan dept employees. Some asking for more documents ( which I immediately sent ) some asking for docs they 've already received ( which I called and verified ) and some stating they need additional paperwork which they could n't even state what they needed because it was a legal matter and I 'd have to contact an attorney. I showed an attorney everything I sent to Wells Fargo and he said there is nothing more they should need from me and sees no reason why they are holding my money. I 've made several calls to the mortgage dept and NEVER got a straight answer about whet more needs to take place for me to receive my money. I spoke with them on the phone at least a dozen times. The last two calls I made was the last straw. I was told that a check was sent out to me and that it was endorsed and cashed on XX/XX/XXXX. I never received any check from them so I asked her to scan and email a front and back copy of the check so I could see who forged it. She said they were not allowed to do that. So I asked what the endorsement on the back showed and she said it was n't legible. I asked her where the check was mailed to and she said it went to the home which I sold. I asked why would it be sent there when they were paid in full for the home and knew I no longer resided there. ( I had given them my new address, several times ). She had no answer for that. I asked her to send me some sort of proof that a check was ever sent and she said she could n't but I would be receiving a letter from them about the issue. I said well the only issue is I want my money and you are refusing to pay it to me .... PERIOD!! To date, I have not received any correspondence from them, whatsoever. 
I have been treated like a criminal from day one from Wells Fargo mortgage dept employees. I do n't have the money to hire a lawyer nor should I need to. I have never dealt with more unprofessional, or inadequate employees in my life!

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 2017-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: DE

Complaint narrative:
I went out on XXXX form school and NelNet picked up my loan and payed them, now the school is trying to say that I own them money. When I first called them they said that I do not owe them any money and now they say that I do. Now every time I go and check my credit this pop-up. They said that I owe my provider, so I called them and they said that I do not owe them any money.

Company response to consumer: Closed with explanation