vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XX/XX/XXXX XXXX  only CAP1/WMT Late Payment XXXX XX/XX/XXXX and XX/XX/XXXX CAP1/L & T Late Payment XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: LoanCare, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : LOANCARE LLC Late Payment XX/XX/XXXX XXXX  only XXXX Late Payment XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2020-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Finance Corporation
State: MN

Complaint narrative:
Student Loan reunion corporation has very high interest rates. They are more than doubling my total costs to pay back this loan. This is such a scam. They should be forced to pay me back all my interest and relieve the principal. 

There should be a fixed rate for student loans this is so XXXX  how they can change numbers on customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: DISCOVER BANK
State: IL

Complaint narrative:
Over the past couple months when I fell behind on some payments, I began working with them to bring my account current. I initially spoke with someone in late XXXX who advised me that she could bring my account to current status if I could make payments of {$140.00} every two weeks. I agreed. I got a call a week or so later from an Account Rep who said the previous rep was wrong, I would need to make payments of {$160.00} every two weeks to bring my account current. I was frustrated at the apparent misinformation but agreed. Finally, in late XXXX, I received another call from an account rep letting me know that the gentleman on the prior call was wrong, and I should make payments of {$170.00} a month. I agreed. 

A payment was pulled from my bank account in the amount of {$170.00} on XX/XX/20 and posted. Then on XX/XX/20, another ( unauthorized ) payment of the same amount was pulled from my account, causing it to go negative, resulting in a {$28.00} NSF fee from my credit union. 

I contacted support via Discovers  messaging feature in the mobile app but did not receive a response. I am frustrated at the unauthorized charge and its affect on my finances. The pattern of misinformation and unauthorized payments makes me feel nervous and at their mercy when I am already in a delicate financial situation. Im sure this is happening to other customers if its the case with me. It seems very predatory. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Parties Involved - Patient : XXXX XXXX XXXX Medical Facility : Honors XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX, XXXX. 
Collector : Bureau of Medical Economics Please see the attachment for a full description of the details. I visited the above medical facility but was also billed by a second provider, XXXX XXXX XXXX, XXXX without my knowledge, who duplicated charges by excessive medical billing and overcharging my insurance because of a broken medical system. I am not responsible for these charges that arise from XXXX XXXX XXXX, XXXX committing insurance fraud to line their pockets. Ultimately, It is unlawful that providers are using excessive billing practices on patients. This practice needs to be made aware and halted indefinitely to avoid further harming more patients at the hands of the Medical Community.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: CA

Complaint narrative:
Hello, First, thank you for taking the time to read and process my complaint. 
I may not have the exact dates of my first contact with XXXX  ( my mortgage loan servicing company ). But it is safe to say it occurred between XX/XX/XXXX & XX/XX/XXXX. 
After noticing an increase in my home value i reached out to XXXX to initiate a home appraisal for the purpose of removing my PMI. I was told it would cost {$580.00}, i found this to be too high as my research showed that the average appraisal cost in California was 500-530. 
After speaking to my realtor and members of his team, i was advised to reach out to XXXX to see if i could use an outside appraisal. XXXX told me that this wasn't possible, and the cost somehow went up to XXXX and i could not initiate the process without sending in a formal request via the portal. 
I sent the request but didn't hear back from XXXX for about 2 weeks, so i called again about 2-3 weeks ago. I spoke to a customer rep, who informed me that the portal ought to have been sending me information to my email. So, it turns out that vital information regarding my mortgage was not been sent over despite my email been correctly listed in the portal. Back to the issue at hand, the customer rep told me that after i sent in the request via the portal the appraisal would cost {$530.00}. What she failed to inform me was that i had to pay the fee while my request was been processed. Without this knowledge i assumed that my request was been processed, so i called this morning XX/XX/2020 to receive a status update. It was here that i was informed that i had to pay the fee before my request could be processed, and then the customer rep let me know that the fee for California was {$910.00}. As you can imagine i was utterly taken aback by this enormous fee especially given that i was just quoted {$530.00} 2-3 weeks ago. In fact, the customer rep confirmed that the notes on record showed that the previous rep had stated the {$530.00} quote. 
I have never been delinquent, and i am in good standing with my mortgage, all i ask is to receive a fair price for a fair appraisal and qualify to remove my PMI. I would think my loan servicing company would not be attempting to hinder the efforts of a client in good standing but i suppose this is not the case with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax several times about removing that ridiculous fraud alert. I even created an account on my equifax but there is no option to remove it. The alert is causing me denials for credit. i want it removed immediately before I sue equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an online approval for a Capital One credit card. To activate the card the sticker gave instructions to download and app and the with one click, the card would be activated. For others they gave a URL that was incorrect. When we find the right page for the Capital One website we are told to call Capital One to activate the call. When we call Capital One we are then told to give them a cell phone number on a smartphone and with one click the activation process would be completed. Without a cell phone, we are told to we muct submit documentation : Have a camera that connects to the internet, have a scanner or a printer to mail the documentation or have sufficient broadband to upload photos of the documentation. Then we are told to wait an indefinate period of time to hear from them if the card can be used. 
This is after we have given all our personal information and identifiers during the application process and after the card has been approved. 
Essentially these type of practices discriminate against people without smartphones, cameras with internet connections, printer and scanner, and broadband internet access.. This discriminates against the elderly, disabled, people living in rural areas and others..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
My bank BBVA charges a extended overdraft fee when the account is negative for a week I dont see any other bank doing this but BBVA I am pretty sure this is Reg E compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported in my Credit Report by GM Financial in the file that they maintain under my social security number. Upon reviewing a copy of my credit report. I have been notified that the billing address was incorrect. I have never received a billing statement from GM Financial. I understand that mistakes happen, but their inaccurate information could cost me higher interest rates and I have enough expenses as it. this is affecting job opportunities and my living situation for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Apothaker & Associates, PC
State: NJ

Complaint narrative:
Now I've disputed with both XXXX XXXX  and the lawyer who is representing them. I did not recieve any letter in the mail that I was being sued, court date or anything to challenge them. I requested numerous times and disputed with letters this account. They can't produce anything. No copy of any original contract with signature only copies of statements which aren't proof at all. They did not send me anything that they are producing to the bureaus as 100 % verified and accurate. They directed me to their lawyer and I received nothing but a letter today of court. XXXX said they have nothing with my signature and everything was started online. All this is done without my knowledge. Instead of addressing this issue and since they couldn't prove anything a lawyer is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
XX/XX/2020 XXXX Unauthorized closing of account also money missing from my account available balance XXXX no email found listed on there record XXXX XXXX XXXX Paypal XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax credit report agency had a major data breach in XXXX. My information was hacked. The company did not even notified me about the data breach settlement that just past on XX/XX/XXXX. Therefore, I did not apply. I did file for an extended claim. But still that does not solve the problem. I did not have any subscriptions or features that I purchased from Equifax, but the fact my name was on the list of data breach is a crime. My personal information like SS, address and etc should be protected at all times. Thank you for reading and helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was the victim of identity fraud. All of my accounts were hacked, my XXXX account, my XXXX account, my bank account, my cell phone and my paypal account. Someone emailed people from my XXXX account and had them wire thousands of dollars. I XXXX  XXXX and they contacted XXXX   buyers  and got their money which made me lose XXXX sales. The hackers took my cell phone and opened a fake XXXX   page after hacking and deleting my XXXX  page. Then they transferred money from my bank account and my paypal account into this XXXX account. I opened a dispute with my bank and they refunded my money but paypal said it was an authorized transaction and wont give me my money back. I want to open a dispute with paypal to try and get my money back. I called the police and made a report the XXXX Ohio  police dept. I also filed a complaint with the attorney generals office and the fbi. I didn't file cases against paypal just the identity theft. You are the only one i contacted specifically to go after paypal. These were the dates and charges and all were sent to the same XXXX account XX/XX/2019 {$170.00}. {$120.00}. XX/XX/XXXX. {$75.00} {$75.00} {$50.00} XX/XX/XXXX {$35.00} {$25.00} {$25.00} {$25.00} TOTALLING {$610.00}. Please help me get my money back i am single  and XXXX XXXX. I am broke and really need the money. I can provide you with all the reports from the agencies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding is attempting to collect a debt that is unverifiable and I do not owe. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. Midland Funding is reporting invalidated information on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
They are trying to collect a medical bill or a co payment for a medical bill. I am doubled covered with two health insurances. I have a XXXX  XXXX  XXXXXXXXXXXX  XXXX and I also have XXXX through the state of California. In the past two years, I have had XXXX  XXXX, major  XXXX  XXXX and with being double covered ( XXXX XXXX being the first and XXXX being the second. I am XXXX XXXX and they keep bothering me with this and making reports to the credit bureau. They are not billing the insurances properly and I have told them that many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with XXXX  because XXXX  reported my information as the responsibility for a patient that I am not legally responsible for per court order. I did not take this person to treatment. I provided the correct contact information for biological mother and father to XXXX and said that although they used my insurance, I am not financially responsible for anything insurance does not pay. The bio father paid on this debt his 50 % and gave billing info for the other 50 % to legal parent XXXX XXXX who also was the one who accepted financial responsibility at the doctor office. Ms. XXXX was also required to provide her own insurance per court order. When I tried to get this straightened out with XXXX, they laughed and said good luck getting this removed. I sent proof to Experian that this claim had been removed and had already gone through dispute after I did all the work. XXXX  removed this claim. Experian did not fully investigate that I had no contract, the balance was inaccurate and not billable due to insurance, and I am not legally responsible for any part of this childs medical bills as outlined in a court order with his biological parents. In addition all balances are due from XXXX XXXX and all I do was provided and removed accordingly from XXXX. It appears Experian did no such investigation and only did a debt validation where no case information was reviewed. This was not the dispute reason. This is due to inaccurate balances, incorrect and illegal reporting after being provided with legal owners of the account and failure to properly bill all insurance carriers.

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 2020-02-07 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: Paramount Capital Group, Inc.
State: FL

Complaint narrative:
I attended School at XXXX XXXX School in XXXX Florida. 

The school is owned by a driving company ; XXXX. 

The school advertised that their company guarenteed a job driving after graduation with a company who would pay for the education. 

However, during the enrollment and admission, they gave each student a binder with more than 25 documents to sign relating to licensing, school rules, and a finance agreement ( Student Loan ). 

After graduation, I was not given the job I was promised. In addition I learned that the school sold the finance agreement to PARAMONT CAPITAL GROUP ( {$7000.00} Surprise ) without any advance notification to me. 

Upon learning the school broke its promise of employment and its subsequent transfer of the loan, I reached out to PARAMONT CAPITAL GROUP and advised them that I am not employed and asked if they would agree to " recalculate my loan '' and allow me to skip the first couple of payments while I obtained work. PARAMONT CAPITAL GROUP agreed to the recalculation and moved the first couple of payments to the back. 

After doing so I made every payment on time and in fact, eventually, paid the loan in full more than six months early. PARAMONT CAPITAL GROUP however feels it is within their right to place two late payments onto my credit report in spite of agreement to recalculate the entire loan and reset payment dates. 

The entire education was substandard and the transfer of debt without delivering on the advertised promise of post schooling job placement to a company who will pay for the education was bad. But the actions of PARAMONT CAPITAL GROUP who refuses to accurately report the honorable satisfaction of all loan terms is defamatory. 

The relationship PARAMONT CAPITAL GROUP has with its producers is wrong at every level. I do not deserve to have this company lie about me on national credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation