vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Found on my credit report medical bills I did not know about. On top of that they are on two separate names which is more confusing. Several months back I called and said I 'm willing to pay my debt but they need to remove it from my credit report at which time they refused. I do n't think it 's fair that they do n't tell me that I have this debt and just send to credit report without notifying me first. 

On XXXX : COLLECTIONS XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$180.00} Opened XX/XX/XXXX On XXXX : XXXX XXXX {$180.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX I have not seen my XXXX credit report so I 'm not sure what is on there. 

And why are they using two different names I do n't understand this. I feel as though they are trying to purposely damage my credit. If I had known about these that I would have paid them plain and simple. The fact that they absolutely refused to take them off my credit report even after I pay is ridiculous. I really need help dealing with them as they have made it plain and clear that they have no regard for what they have done to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
After review of my student loan payments, I feel that the payments were not applied appropriately. I have inquired about payments yet feel that everytime I call I get somebody in the XXXX who does n't understand English and what I 'm trying to explain. I filed a previous complaint and was told that they provided everything to me. If you look at the documents that they provided, one of the documents is supposed to be 9 pages, yet they only provided 4 pages. 

I want a full accounting of ANY and ALL payments ever applied and how they calculated what goes to the principle and what goes to interest. I feel that I have bamboozled for far too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Bank Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; RE : Acct # ending in XXXX sent me a bill for XXXX XXXX {$99.00} ( which I had not ordered and an {$85.00} annual fee which I did not want and through a series of phonecalls on XX/XX/XXXX 2017 with Chase and XXXX we addressed. In XX/XX/XXXX2017 we spoke by phone and as a result you sent to me the fraud form which I completed and returned, on XX/XX/XXXX2017 and I include a copy attached. I assumed it had been resolved to everyones satisfaction. Specifically, XXXX waived the Chase fees at XXXX p.m. on X/XX/17 for the late fee and interest and at XXXX p.m. and on X/XX/17 for the annual card fee, while XXXX at XXXX conceded the {$99.00} fee was fraudulent at XXXX p.m. on the same date I thought it was resolved. A bill arrived in late XX/XX/XXXX so I mailed a letter to you on XX/XX/XXXX 2017 which you did not respond to yet you continue to bill me despite this being previously resolved in a series of phone calls on XX/XX/XXXX 2017 :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
I recently disputed an item with XXXX XXXX XXXX and it was determined that this was not my item and that i was not responsible for the charges that were incurred so with that being said I received a corrected credit report with the item deleted from all three credit bureaus. I recently applied for additional credit and this item has magically reappeared and also after removing the item they sold this account to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Lease account was paid in full and closed in XX/XX/XXXX, as can be seen on credit report. XXXX XXXX reopened account in error in XX/XX/XXXX. Tried working things out with XXXX XXXX directly, after which they assured that my credit score would not be affected as the account was reopened in error. The following month, the account appeared on my credit report as 120 days past due. At that point, contacted XXXX XXXX again, at which point they assured that they 'd fix the issue quickly on their end. After another 8-9 months of no change, I submitted a dispute through Transunion in XX/XX/XXXX. The Investigation was completed and resulted in the disputed information being updated and corrected on my account on XX/XX/XXXX. On XX/XX/XXXX, I received an alert from my credit monitoring service, stating that the account had been reposted as delinquent by XXXX XXXX. Currently on hold with XXXX in figuring out the easiest way to, once again, get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am required to carry Flood Insurance on my home. Per the 1994 FEMA Reform Act, a copy of which is attached, I am only required to carry a policy for the outstanding principal balance of my loan which is currently {$130000.00}. This is the lesser of the 3 requirements. 

Attached is a copy of my Insurance Dec Page, with coverage for over XXXX. When I requested a reduction of my coverage limits, Citibank required me to carry coverage for XXXX AND withdrew funds from my escrow to pay for this " gap coverage '' Per my conversation with FEMA this is in direct violation of their policy. 

Per my conversation with Citibank Mortgage, they just require additional coverage?? This is unacceptable. This violation has cost me hundred and hundreds of dollars for unnecessary insurance premiums, which also has resulted in my monthly payment to increase hundreds of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
My debt was paid in full in XXXX and account was closed as I XXXX after left for the military. Since then I have been XXXX, XXXX XXXX and various states. Since XXXX I have not received any bill, letter or statement. I am not being called asking for XXXX dollars which I do not owe or ever received any bill. The credit company since had threaten to take away my father vehicle and continue to ask for payments and have failed to assist in sending a any bill. I do not owe any money to this comapny and they are treating of serving me to take me to court is their anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Attempted to close USAA Federal Savings Bank XXXX account on XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX. Both times USAA refused unless I allowed it to send a coded text to a cell phone. I do not take such texts. USAA refuses to close the account no matter how much it verifies my identity. After hanging up the phone today, USAA then changed the security codes on my account, making it very difficult to log in to the account as retaliation, and removed the ability to log on with a pin, which I had up until that phone call ended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
In XXXX XXXX, I was contacted by XXXX XXXX, who identified herself as the HR Manager for XXXX XXXX, an international company expanding to the United States. She said that she had found my resume online, and after the course of some interviews offered me a position as their Supply Chain Manager representative in Utah. 

On XXXX I was contacted by XXXX XXXX, who introduced himself as the Regional Manager for XXXX XXXX and would be mentor for a 30 day probationary period.
During the 30 day probationary period I was assigned daily course work. 

On XXXX, I was instructed to transfer {$22000.00}  from a XXXX XXXX XXXX bank account that XXXX XXXX had setup, to my Bank of America credit card and purchase XXXX XXXX XXXX The XXXX XXXX XXXX were to be used for the purchase of XXXX XXXX for the new XXXX XXXX remote offices. I transferred the money ( XXXX )  waited a few days to insure the transfers had cleared, and were credited and reflected in my Bank of America account. After seeing that my Bank of America credit card account had been credited {$22000.00} I made the purchases. 

On XXXX, I was again contacted by XXXX XXXX, who stated that they had misjudged the number of computers needed, and had deposited an additional {$12000.00} into the XXXX XXXX XXXX account to be utilized for the purchase of the additional computers. Again I transferred the money ( {$12000.00} ), waited a few days to insure that the  transfers had cleared, and been credited to my account, and made the purchases. 

On XXXX, I checked my Bank of America statement online XXXX and saw that all the transfers that had been posted to my credit card had been returned as being " denied '' by XXXX XXXX XXXX. 

Having found that the transfers had been denied, I tried to contact XXXX XXXX, but did not get any response. 

I also contacted both Bank of America and XXXX XXXX XXXX, and they were of no help. 

On XXXX I contacted the XXXX County Sherriff Department here in Utah, and opened case XXXX for the investigation of Fraud. 

The investigation was concluded in XXXX XXXX, XXXX. 

I have been in contact with Bank of America numerous times to have the fraudulent charges totaling {$34000.00} removed, credited from my account, but so far, they have not been willing to assist. Even driving 580 miles on XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX nearest physical location/branch to meet with their representatives and present the Sheriff 's report.

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 2017-10-02 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: OH

Complaint narrative:
On XXXX XXXX, XXXX, I attempted to place a Freeze on my Experian Account. I initiated the process on their website, but after an hour of effort, I was informed that I would have to mail in copies of my Official Government ID, a Utility Bill, my Social Security Card, and my identity theft Police Report. I mailed the documents to Experian on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received a 14 page reply from Experian. The first page told me to send copies of all the materials I had already sent to Experian. It was not until page 4 that the letter stated that the police report I provided was insufficient for one of six possible reasons, the exact insufficiency not identified. I was told that I could have a credit freeze if I was willing to pay {$5.00}. 

I have provided more than enough documentation as to my identity and have also provided a valid Police Report. Experian is being deliberately opaque and unhelpful in order to reduce the number of Credit Freezes approved and, in the alternative, monetizing the process to make up for otherwise lost revenue. Not only is it unfair, it also increases the risk of identity theft by discouraging consumers from freezing their credit files.

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 2017-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc.
State: MA

Complaint narrative:
The caller from " Financial Recovery Services " called and without disclosing began asking my name, address, social security number, indicating that this was a financial matter and that this line is being recorded. I did not pursue the call any further following this introduction. 
I subsequently looked up the Consumer Finance protection ( this service ), and was advised my rights, i.e., requiring of a written notice, and an chance to not discuss any further without a written notice. The caller was quite aggressive and did not allow me the chance to have a business like discussion of this matter. The telephone number for the caller 's office is : XXXX, and I believe the organization is located in XXXX, XXXX 
Thank you so very much for your guidance. 
Sincerely, 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 2017-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX was Contracted to relocate a piece of equipment to a Farm in XXXX AZ to a customers place of business. The company quoted {$420.00} for the pickup and delivery of the piece of equipment and were promptly paid that balance ( on XXXX XXXX ). The item was delivered without any problems and arrived safe and sound. I was later contacted by mail from XXXX that an additional fee above and beyond the original amount was due to the company. I then contacted the company Via phone and asked what the fee was in regards to. The representative told me it was a " Residential delivery charge '', I politely explained that they were mistaken and that the item was delivered to an active farm and was zoned commercial and was an Arizona registered Agricultural address. The representative stated the driver had passed a house on the property and XXXX policy stated that made it residential. I have been to the property personally and yes there are actually quite a few residential units on the property. The owner is vey good to his employees provides housing for the workers that work there. However the property is 4,500 acres PLUS in size and has a main office and about a 6 acre commercial loading and unloading area with Tractor Trailer Access they have to in order to ship out the crop! This property even has its own Fuel Pumps for the 20 some pieces of heavy equipment that are operated around the clock. I tried to no avail to explain this to the rep and was told she could n't do anything about the fee and I had to pay it. I informed the employee I would not pay any additional amount to the company based on their explanation since they were asking for money that was not owed. I have since received a COLLECTIONS NOTICE in regards to this amount. Please assist in resolving this issue. I would prefer not to have to contact an attorney I 'd rather just have this go away as it should have after my contact with the company. 

Thank You

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I have a Hard inquiry on my credit report that was n't authorized by me. I believe it was for a Pay Pal account but I 'm not sure

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I 've recently learned from XXXX that my credit report was compromised. All of my former employers have been deleted from my history. Someone address was listed on my report in Michigan. 

I 've never visited there, lived there, nor do I have family there to my knowledge. I need all of my supporting documentation from my account numbers ending with XXXX and any other accounts opened using my social security number. 

I was told my mail was returned to your bank, I need that I formation for tax purposes, with XXXX. 

Your last letter I received stated a check was received by your bank in the name XXXX XXXX. That is incorrect. XXXX XXXX XXXX never knew my maiden name, because I never used it with them. 

XXXX XXXX XXXX XXXX XXXX my former employer did n't know my maiden name, until I was under investigation by the FBI. They did n't know to use XXXX. 

You stated you are able to access my transactions from XXXX through XXXX. I need my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
We had a first mortgage, second mortgage ( home equity loan ), and third mortgage ( home equity line of credit, {$10000.00} ) all with Bank of America on our home in XX/XX/XXXX. The bank foreclosed on the property in XX/XX/XXXX. As a result, the first and second mortgages were canceled. The second mortgage was completely forgiven in XX/XX/XXXX as part of the bank 's settlement with the Department of Justice. But the bank did n't do anything about the third mortgage. 

During the foreclosure process, the bank told us to keep paying the third mortgage until the process is completed. We have been making the monthly payments on-time every month in spite of the fact that the property has been foreclosed and subsequently sold by the bank. 

Now the bank tells us that our monthly payment amount will triple. We have tried to call the bank and show them that this loan was supposed to be included in the original foreclosure. They now tell us that the home equity loan department and mortgage department do n't use the same system, therefore the information about the foreclosure was n't shared between them at the appropriate time. 

We want this home equity line of credit to be included in the original foreclosure and to stop being 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 2017-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my MC ATT Universal Citibank card on X/XX/2016 for {$690.00} then another one at the same day of {$19.00} and another one on XX/XX/2016 of {$6900.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. Thank you

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 2017-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
MG CREDIT is inaccurately reporting two medical debts that were previously covered & paid by health insurance. The medical bills of {$240.00} and {$92.00} are older than 7 years have been reaged on credit report to XXXX. I do not owe this b/c it was paid by health insurance carrier of my then employer XXXX  XXXX XXXX. I never received validation or verification of these two bills that I previously requested multiple times and have disputed with the credit bureau. I was informed the collection agency doesnt submit written verification of debt to the credit bureaus only verifies consumers name, dob, and ssn. I DO NOT owe b/c these two bills were covered by medical insurance. A collection agency must be licensed in FL and MG Credit doesnt show listed on FL office of financial regulation website.

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