vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
I asked for VALIDATION DATION. I only received the same piece of paper with an account number and an amount on XXXX, letterhead. I have NO KNOWLEDGE of this debt ( I have ALWAYS had state insurance that paid a 100 % of my costs ) Therefore I would like some type of proof that this debt it in fact mine. If you can not provide me with that, this account needs to be deleted from my credit report. I have asked for validation in the past & After asking all accounts were transferred to another collector, except this one. The new collector could not provide validation and removed the items from my report. Im guessing you all cant provide validation either. Yes you say you will send it and send me a piece of paper that XXXX typed themselves.

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 2018-03-16 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: OH

Complaint narrative:
I am requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Debt collection for an old credit card debt, portfolio recovery associates has been harassing me with phone calls. I explained to them over a year ago I was very sick and was not working. I told them not to call me. Every time they call me I tell them I have repeatedly told them to not call me. They start yelling at me so I usually yell first now, tell them I have told them not to call me and I hang up. Sometimes they call up to 3 times in one day. Most of the time I ignore unknown phone numbers because of this one company, but recently I missed an important call because I didnt answer. I just want this company to stop calling me daily and harassing me. They can communicate with me via US mail if they wish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 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: TN

Complaint narrative:
I mailed in two dispute letters requesting that Experian to verify negative accounts on my credit report. They " verified '' these accounts after online dispute. I have since mailed two different dispute letters, and both times, I got back from them a letter in the mail stating they will not reinvestigate. I called and spoke to an Experian representative named XXXX. She stated to me that they do not have an original signed contract from the original creditor as required under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian has failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617 of the FCRA, if the CRA fails to comply with the federal law. I demand the following accounts be VERIFIED OR DELETED IMMEDIATELY. 

1. XXXX XXXX XXXX  XXXX  ( accnt # : XXXX ) 2. XXXX XXXX XXXX ( accnt # : XXXX ) 3. XXXX XXXX XXXX ( accnt # : XXXX XXXX 4. XXXX  XXXX XXXX ( accnt # : XXXX ) XXXX. XXXX XXXX ( accnt # : 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 2018-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I have disputed this item on my credit report and placed fraud alerts as I have never know or heard of the creditor and I have never received any information regarding this debt or company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX  has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018 I responded to a XXXX advertisement for an XXXX basketball game. I contacted the seller and we exchanged phone numbers to complete the sale. I was told to transfer the money via XXXX and in return would receive the tickets through flashseats. Seeing as though XXXX was an app that Bank of America used as it's means of transfer, I trusted it thinking that my bank would protect me in cases of fraud or scam. I transferred {$800.00} through XXXX to the seller and unfortunately after the money was transferred the seller never replied back to my messages. This is when I realized it was a scam and the next morning I called my bank and filed a claim. I was told I would receive a letter from my bank within 5-10 business days on the status of my claim but that letter was never received. However, through my bank account online I was able to check my claim status and the claim was " resolved '' and I was not given back any of my funds. A bank is supposed to protect their customers and the fact that I was able to transfer a large sum of money with no guarantee of protection is ridiculous. A system like XXXX that Bank of America, a world-renowned company is so proud of and has featured on their banking app should be able to offer their customers protection in cases of scam and fraud.

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 2018-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is my third complaint of how I am being treated by Bank Of America Home Loans Department. I received a nasty phone call from a representative from Bank of America. Her name is XXXX XXXX. Phone number XXXX ext XXXX. This representative from Bank of America spoke to me in the way that was very disturbing. I've been going through this battle with the Bank for over 2 years! It has been very hard to deal with. I am only trying to get a modification to lower my payments and keep my home. XXXX XXXX insist I can apply for a another modification but do not send any more documents to XXXX, Just to send my documents directly to her. Something is not quite about this request. Why doesn't Bank of America want me to send my documents to XXXX. XXXX has been such a big help to me. XXXX XXXX XXXX called me about XXXX XXXX Friday XXXX the XXXX. I later returned her phone call about XXXX. I gave Bank of America all the documents in which they insisted previously before. Even spoke with the appeals department to make any corrections needed, Bank of America still denied me a modification and appeal. Bank of America wants me to FAIL! Bank of America wants to sale my home on the courtroom steps!!. They want to see me homeless. I faxed over Utility bills, home expensives, taxes from XXXX to XXXX, XXXX form and a hardship letter concerning my situation. Back in XX/XX/XXXX, Bank of America rejected the previous buyer request for {$110000.00} to buy my home, so since Bank of America rejected the offer, I didn't want my home to go into Foreclosure, So that's why I am asking for a modification. My home is only worth {$70000.00}!!, but Bank of America wanted {$140000.00}!!. I couldn't believe it! Something has to be done about this situation. I am fighting to keep my home. Bank of America did not agree on the sale price, so I am fighting to keep it!! XXXX XXXX was very nasty to me on the phone today. I need to keep my HOME!! Bank of America also has a lien on my house. What is going on here?? When I tried to sell my home, The Bank was being very difficult, now I am trying to keep it, Bank of America are being more difficult then ever! More government officials needs to see my complaint with Bank of America. Something has to be done about the treatment of these mortgage companies.

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 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Debt collection for an old credit card debt, XXXX XXXX XXXX has been harassing me with phone calls. I explained to them over a year ago I was very sick and was not working. I told them not to call me. Every time they call me I tell them I have repeatedly told them to not call me. They start yelling at me so I usually yell first now, tell them I have told them not to call me and I hang up. Sometimes they call up to 3 times in one day. Most of the time I ignore unknown phone numbers because of this one company, but recently I missed an important call because I didnt answer. I just want this company to stop calling me daily and harassing me. They can communicate with me via US mail if they wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I had got a loan with One Main Financial, made payments then fell behind, I called to see about setting up arrangements and they didn't know what office was handling my account, I gave them all the information and they said they would contact me and never did, I reached out to them again once to settle the debt again they didn't know where my account was located still never received a response. SO I filed a complaint with the XXXX, they then pulled my account from collections and made it current. Then when I contacted them again they STILL could not locate the account. Now its on my credit again and was sold and this is damaging to my credit. I made numerous attempts and complaints and nothing. This is over a course of 4 years. I am fed up with them reporting when they never tried to resolve it when I was initiating a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
Grant & Weber is trying to collect money that was not me I called and explained to them that the accounts wasn't me, and they still have them in my credit report. 

they alleged that was a medical related. However, I never admitted or hospitalized with any other hospital, excepts XXXX for delivery my baby in XX/XX/2016.

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 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have paid a closed acct from Bank of America and its reported the XXXX  and XXXX XXXX XXXX but it comes up as fraud .. I would like it changed from fraud to abuse so I can continue banking. I dont need it removed I just need the reason changed

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 2018-03-16 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: MA

Complaint narrative:
I Requested XXXX XXXX  Close my account in XX/XX/XXXX due to fraud and unauthorized user. ( My conversation was recorded with my Bank Manger conferenced in with XXXX. They did not close the account as promised until XX/XX/XXXX nor would they retroactively do so. Every time I close an account they open a new one and allow fraudulent charges to be transferred to new cards, at least six cards I am aware of. They lost my initial fraud report and have not reimbursed me nor can tell me when I will be refunded. My credit has been adversely impacted such that I can not get a job or new credit. Prior to this incident I had excellent credit in that my balances were paid on time in full every month. Despite having a XXXX XXXX XXXX which I believe has zero liability I am being held liable. They refuse to provide necessary documentation showing multiple frauds so I can apply for a new social security. My bank account was breached as well. While they admit orally to fraud they will not provide anything in writing or agree to blocking my account.

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 2018-03-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to correct my birthday and has been given proper legal documents to show correct year. They wrote on their file they sent to me they would not correct or change the information and their re investigation would not change the results even though I provided them with proof 2 times. What is wrong with Equifax? This needs to be fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AL

Complaint narrative:
I applied for Public Service Loan Forgiveness. The form states that you will be notified on how many qualifying payments you have. The purpose of the program is to help to relieve debt of student loans. I originally made my payments to XXXX XXXX services. I had not received any information from XXXX XXXX   Loans so at the beginning of XXXX I went to make my payment to XXXX XXXX XXXX. XXXX XXXX no longer had my information because my loans had been moved over to XXXX XXXX Loans. I created an account for XXXX XXXX Loans and they did not have any of my loans posted. I made a call to XXXX XXXX   Loans on XX/XX/XXXX and the person on the phone stated to me that I would need to make a payment in XXXX that the loans would not be transferred in time to make a XXXX payment. At this point I still had not received any information from XXXX XXXX Loans. My loans were originally due on the XXXX and XXXX of each month with the total of the loans being {$620.00}. I log into XXXX XXXX  Loans this week and it is showing my loans as delinquent and my payment being $ XXXX dollars. I called them again to try to find out what was going on with the loan and why I was told that XXXX would not be due, yet now I am showing as delinquent and they have raised my payment amount without informing me. They said they would do an administrative forbearance and set it up for it to be due in XXXX but the interest would still accrue and that my payment would be more. I explained to them that the whole purpose of me applying for public service loan forgiveness was to owe less not more and that I certainly couldn't afford a higher payment. I said that I was never informed of qualifying or not qualifying for the program that they simply moved my account without informing me of a rise in payment. They went on to tell me that none of the payments I have been making were qualifying payments and that they would have to set me up on a higher payment. I said, " Had anyone told me that was how the program worked I would have simply stayed with the payment plan I already had. '' Additionally, they have not corrected the payment to be made in XXXX so my account is still showing as delinquent. I brought this to their attention today with a phone call and they said they did not have any record of the administrative forbearance at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hard Inquires Equifax Mortgage Services - XX/XX/XXXX Certified Credit Report - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Customer service wouldn't take care

Company response to consumer: Closed with explanation