vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Collection Services, Inc.
State: IN

Complaint narrative:
I had been paying on XXXX Hospital bill ( account # XXXX ) in the amount of {$1300.00} for Date of Service XX/XX/XXXX, religiously, every single month to XXXX XXXX XXXX ( XXXX ) in XXXX, Indiana. Then one day, my husband went in to pay the bill, and he was told by a XXXX representative that " nothing else was owed on the bill. '' The money ( {$50.00} ) was immediately given back to my husband, and we heard nothing else regarding this bill until XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls from CBCS Collection Agency ( phone XXXX ) regarding this bill. However, I NEVER once received any documentation whatsoever from CBCS regarding this account, even though I asked several times for written confirmation that this debt was owed, or what the new amount was. Around XX/XX/XXXX, I started receiving calls from XXXX XXXX XXXX, stating that I owed the exact same amount on the exact same account to their law firm on behalf of the same hospital. Once again, I NEVER once received any documentation whatsoever from XXXX XXXX XXXX regarding this account. *According to the Fair Debt Collection Practices Act, I should have received some sort of documentation within 5 days from both of these collection agencies, but I DID NOT! Now, I am getting multiple calls from both agencies at the same time! Therefore, I vehemently DISPUTE THE VALIDITY OF THIS DEBT!! and I intend to stand up for my rights. Two companies can not legally pursue the same debt at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
I submitted an official appraisal done on my home to prove our Loan to Value is good enough now to have the PMI removed from our payment. The company refused my appraisal, told me I had to pay for one of their appraisals done. Sent me a letter stating I had to send them an official check in the amount of {$420.00}, which I did. Once they received the check, they mailed me another letter stating that now I owe {$200.00} more dollars to get their appraisal done. I have followed all of their instructions on how to get this done and they keep dragging it on and changing what I have to do. Why did they not send me a check list of exact steps from the beginning. They told me I have a 90 day window to complete this but they take 3-4 in between responses and wasting my 90 days when I comply with their demands right away. I started this process in XXXX and I am running out of time. They are not making this process simple or helping me to get this done. I have done my part and they will not do theirs. I have never been late on a payment in 2.5 yrs, ever!

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 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
Today my wife, my place of employment and a couple family members were called and left messages threatening to sue me over an alleged unpaid debt. This debt was paid and proof of payment was provided. This is now at least the 6th different creditor who has tried to collect the same debt that was sold off by US Bank.

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 2018-11-14 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: PA

Complaint narrative:
Send in a Dispute for written contract and they said it was verified but it was deleted on XXXX that makes no sense to me and I told them and there playing games

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We were in an area affected by Hurricane Irma in XXXX of XXXX and my wife was unable to work due to businesses that were affected by the storm for 3 months. We were offered a " Special Forbearance '' by the mortgage company handling the loan, XXXX XXXX XXXX XXXX XXXX, during the disaster. Once we accepted the " Special Forbearance '' no one told us all of the payment would be due at once nor did they tell us anything about the terms of the " Special Forbearance ''. and that the servicing of our loan was sold to Freedom Mortgage at the end of the Special Forbearance. We have contacted a HUD Approved Housing Agency and they have been helping us with the paperwork needed for Modification. Each time that Freedom Mortgage asks for paperwork we send it to them right away, and this process has been dragging on since XXXX of XXXX and they keep asking for the same paperwork over and over stating it is the underwriters. We feel we have been deceived, we feel that Freedom Mortgage is dragging this process on so that they can eventually file foreclosure and take our home, which was not behind until this happened, and we don't want to lose our home.

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 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have an American Express Serve prepaid credit card, the card can not be used as a debit or with a PIN number for purchases or cash back. On XX/XX/2018, a few days after my payroll deposit, I attempted to use the card to pay for a bill and my transaction was declined. I logged into my Serve account and noticed I had a negative balance as a result of transactions duplicated from the day before. I clicked the " contact us '' link at the bottom and was redirected to a page that gave 3 contact options ; call, email and twitter. I chose twitter. I sent my message and was told I could not be helped using twitter and I was provided an XXXX # to call. I called the # and was forced to hold for 30 minutes before finally reaching someone on the phone. At that time I was told that  American Express Serve was experiencing system issues which caused a glitch resulting in them overdrawing my card. I was then told I had to wait two days to get back my money. This delay in them correcting their mistake cost me {$50.00} in late fees and other fees as I had to get money from other sources to make up the difference caused by American Express Serve taking my money and not immediately returning the funds. I tried to get them to reimburse me the {$50.00} and they denied me. 

Since having this card, I get my money before my pay date, they advertised that you can get your money sooner. I was scheduled to receive, as I have been, my payroll deposit on XX/XX/18. I did not get my deposit. I called American Express Serve and was told they were having system issues and upgrading their system and to wait another 3 hours and my funds should be there. After waiting another 5 hours, the funds were still not there. I called customer service and was not given any information what so ever and as of right now, XX/XX/18 XXXX I still do not have my money. If American Express Serve has changed how they will be servicing me, I would appreciate advance knowledge of these changes. Had I known I would not get my money as scheduled, as experienced, I would have redirected my money and closed this card out. 

I need my direct deposit as I have a bill to pay and I can not because they are holding my funds. I need to be reimbursed for the fees from them overdrawing my card. I need to know if they are changing the way they service customers ; will money no longer be available early?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I contacted Navient in XX/XX/XXXX. I wanted to see about having my Parent Plus included in my IBR. The employee said I needed to consolidate all my accounts and resubmit a IBR. I did what I was told. I recently received the notice ( XX/XX/XXXX ) that I am on an ICR with a payment in the amount of {$260.00} a month. I called and spoke to XXXX # XXXX XX/XX/XXXX, she said the way the consolidation was done I don't qualify for the IBR, had I done it another way-consolidate my parent plus loans and then consolidated that with my loans I would have qualified for the IBR. How was I supposed to know this and the first time when I called, the employee did not mention this at all. I was just told to consolidate. Student loans are so difficult, how was I supposed to know which way I was supposed to do it. I specifically told the employee when I first called about the consolidation that I wanted to include it in my IBR and apply for a 10-year forgiveness. Not once did he mention anything about one loan and then another. He told me to go online and consolidate, so that's what I did. This is unfair, and I cant afford the {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX The logo in the upper left corner of that webpage is EXPERIAN. 

That website reported a very brief online " credit report '' that was virtually nothing. The credit report had nothing on it. Being nothing except emptiness, they want to call it a " credit report ''. 

What was on it was weird variations of my name. My name is a first name and a last name. My own legal name was not the name on my credit report. I don't have other names that I use, whether social or legal or in another language. They had wrong last names and wrong first names, on my credit report. 

Experian has other people 's names on my credit report. Experian uses made-up variations of my name, 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 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Today XX/XX/2018, I logged into my Navient student loan account to make my monthly payment ( it was 2 days past due ). This payment was to be in the amount of {$68.00}. I made this payment and immediately noticed that the amount stated for next months payment is {$190.00}. I did not receive any notice, in any form of this change in payment amount. I phoned Navient and the representative told me they sent me an email notice on XX/XX/XXXX regarding the change. A thorough investigation of my inbox, trash and spam folders for that date yielded no such email. 
The company did requalify me for graduated repayment ( although at a slightly higher rate than I was previously paying ), but accepted no responsibility in my not receiving notice of the change in repayment terms. This is not the first issue I have had with Navient and I wish their shady practices to be taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: WA

Complaint narrative:
I have made several attempts to resolve a account with Bank of America which they have been unhelpful. The closed my account without notice for fraud and I had no idea I was a new customer and a service member I was unable to get funds back from direct deposit or open another accounts due to false reports this has affected my reports with other banks.

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 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ACCEPTANCE RENTALS, {$2000.00} XX/XX/2015 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 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Great American Finance Co
State: FL

Complaint narrative:
This is a Notice of Direct Dispute under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4, of the accuracy of information you have reported to my credit file.

After reviewing my credit report I have found Great American Finance is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. I never signed anything or submitted my information to go into contract with this company.

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 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I initially applied for the American Express Gold Delta Skymiles card on XX/XX/2018.  While booking my Delta Flight, a promotional offered appeared on the " payment '' section stating the following : 1. EARN XXXX STATEMENT CREDIT AND XXXX BONUS MILES. APPLY FOR THE GOLD DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS XXXX STATEMENT CREDIT AFTERY OUR USE YOUR NEW CARD ON A DELTA PURCHASE IN YOUR FIRST 3 MONTHS 2. XXXX BONUS MILES AFTER YOU MAKE {$1000.00} IN PURCHASES ON YOUR NEW CARD IN YOUR FIRST 3 MONTHS ... ETC. 

After I accepted the offer, and got approved, I received a message saying : " WE'RE SORRY, OUR SYSTEMS ARE NOT REPSONDING AT THIS TIME. UNFORTUNATELY WE CAN NOT PROVIDE YOU WITH YOUR CARD NUMBER AND CREDIT LIMIT RIGHT NOW. WHILE YOU AWAIT YOUR NEW CARD, WE WILL AWARD YOU XXXX IN THE FORM OF A STATEMENT CREDIT. WE APOLOGIZE FOR ANY INCONVENIENCE. IF YOU HAVE ANY QUESTIONS, PLEASE CALL XXXX. YOU WILL RECEIVE A STATEMENT CREDIT WITHIN 8-12 WEEKS ''. 

I waited the appropriate 3 months, and have yet to be credited my {$200.00}. I contacted several American Express representatives via phone AND email, and have no resolution or response. Nobody has contacted me as promised. Each customer service rep that states they will research the issue has not followed up with me. 

I contacted representatives on 5 separate occasions in the month of XXXX. ( The only dates I have documented are XXXX XXXX on XXXXtelephone and email. Follow up email to her sent on XXXX. On XX/XX/XXXX I spoke with XXXX in the XXXX Florida office. XXXX on a XXXX ). Each representative states that they can not find this offer even though I printed the offer and the inconvenience screen and forwarded them to AMEX for further research. 

I would like to get this rectified as soon as possible. I have fulfilled the offer on my end, and Im hoping that AMEX does their part in honoring this. I spent the XXXX in 3 months, which included a Delta purchase, and also kept my account in good standing.

Please note that when looking through the statements : 1. The XXXX statement credit is the inconvenience from AMEX since they would not provide the credit card number at the time of my purchase 2. The XXXX statement credit is from the prices going up from the time that I initially tried to book my flight with Delta and the time it took to receive my credit card. 
Both of these credits are UNRELATED to the promotional offer. I have included all documentation for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I currently hold a bluebird card through American Express, and this is the third time this month that I have had issues accessing my money. There has been zero help trying to assist me with the problem. The first two were issues on their end, this last issue they are claiming that XXXX is having issues with their system and there's nothing that they can do to give me back my money now. I was rudely told to contact XXXX and basically hung up on once I asked to speak to a supervisor. Contacted XXXX they have instructed me to contact my credit card .... Here 's a brief summary of what I've been charged. I made a {$160.00} purchase on XXXX that cleared. On XX/XX/XXXX I again was charged XXXX that also cleared, then another transaction of XXXX on XX/XX/XXXX says merchant hold for review. Then on XX/XX/XXXX another XXXX purchase was placed on my account, putting the account into an negative balance. No one at Amex seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
If the XXXX forces big financial institutions to be more transparent and accountable so investors have a greater say in company issues, and if they strengthened enforcement of existing laws and eliminated loopholes that allowed risky and detrimental behavior.Than why is Experian getting away with what they have done to my credit report. I have been checking it daily since XX/XX/XXXX because I'm finally at a place in my life where I can start working and fixing on my credit I been noticing some very risky behavior that is not transparent whatsoever it's obvious and I saved it so I can show you exactly what I mean by risky behavior because these little changes to my credit report it started with invalid information on XX/XX/XXXX so began a dispute so on XX/XX/XXXX it was changed to more recent accurate and valid information so I figured well they updated it and that's great because that's more accurate then I go back on the old reports to compare the differences to the new fixes on my report to the old report which was horrible and on the old report it shows valid information as well with the date of XXXX when I pulled my first credit report from the year also on that report it showed nothing of any differences which was kinda confusing to me but I just left it at that. Now what I have a problem with now is I checked it again yesterday and everything was back to how it was at the beginning horrible innacurate again and of course that has to make me look bad because it's innacurate they have payments and statuses filled in unknown and dates wrong again and just basically Making me look bad I pull the old reports again as well and it's back to the horrible report again this to me is not risky behavior but it's causing tremendous damage to my credit and I want something done about this immediately Experian is the only credit reporting agency out of the three that is doing this to me and the way they subtitle the dispute information before I start a dispute with them is expressed with very derogatory statements for example. you can dispute this account but more than likely it's not gon na change and basically what they are saying if I dispute the account information they have on my credit report it's just a waste of time because nothing is gon na change. That to me is very unprofessional it probably makes people like me who pay attention to stuff like that think they don't have a fair chance I have screenshots I saved of the differences from XX/XX/XXXX until yesterday of the what I believe intentional changes of the information on my credit report that has obviously harmed my credit

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 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


I C SYSTEM INC {$820.00} XX/XX/2018 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