vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
I have a medical bill from XXXX XXXX XXXX from XX/XX/16. They never sent the bill to my medical insurance provider, XXXX XXXX XXXX, which they are legally obligated to per their contractual agreement. Since they are in-network they are required to submit the claim but they never did and instead sent me to a debt collector to try and get me to pay the full bill which I am not legally obliged to pay.

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 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened an account with chase using a bonus coupon of {$200.00} I received in the mail for opening a new checking account with chase. I opened the checking account on XX/XX/2019 and met all of the requirements to get the bonus. I set up a direct deposit of at least {$500.00} to enter into the account within 60 says of opening the account. I never received my bonus. I contacted customer service and they said that my bank teller, XXXX XXXX, never uploaded the bonus voucher to the account. He took it to the back along with my {$25.00} deposit to open the account so I do not have a copy of it. I contacted XXXX XXXX on XX/XX/XXXX via email, but he was on vacation until XX/XX/XXXX and I was told that I would be contacted back when he returned. I called again on XX/XX/XXXX because I hadnt heard back yet and he said that he was looking into it and he apologized for not returning my email and that he just got back from vacation. On XX/XX/XXXX, I emailed again about an update & never received a response. I called on XX/XX/XXXX at XXXX & XXXX was in an appt, but she took my name and number and said XXXX would call back in about an hour. Its XX/XX/XXXX & I havent received an email or call yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I requested my credit file from my annual report, I was unable to get my Equifax information. I proceeded to the Equifax website, I attempted to sign up for Equifax monitoring where I can view my report and monitor my score. After completing the sign up, A message stated unable to view please call. I called the number provided. I was transfer to 2 departments that was unable to find a reason I cant view my report and score, Over 10 minutes on the phone, the associates was very nice I must say. I answered all the security question correctly still no resolution. I'm in the process of purchasing a new home, my score on Equifax is the lowest of the 3.Equifax is not a choice of mine! We need them to work on the consumer behalf this is affecting people lives!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CapitalOne360 experienced a security breach through their card vendor and cancelled my card. I did not receive notification of this until at a XXXX. I called, it will take several business days to receive a new card, meanwhile I am literally going to go without food for several days because they couldn't be bothered to alert my when they were cancelling my card and start the process of sending a new one. 

No accountability or care for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't recognize this account, i see that it's {$0.00} balance. Please remove it, i don't know anything about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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: GA

Complaint narrative:
I am requesting a re investigation of the debt listed on my credit report under XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered. All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019 through the Consumer Federal Protection Bureau and have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I receive a call weekly from tower loan in XXXX  stating that I am two payments behind on my account which is not true because I make payments bi-weekly. The company has gone to the point to use my social security number to find out my new place of employment and harass me at work. I work in a XXXX XXXX XXXX and currently am XXXX XXXX XXXX. When I asked them not to call my job I get remarks of " well if you answer your phone we wouldn't have to ''. I did not give them permission to call my job or anyone else. They harass all day everyday but then send letters asking would you like to borrow more money. I have spoke with several different agents XXXX, XXXX, XXXX, and today XXXX whom was extremely rude. They do not communicate with each other at all. One will call one day asking when a payment will be made. You give them a date and then less than 3 days later they call back.

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 2019-07-23 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: VA

Complaint narrative:
Transunion shows a XXXX account as in collections and when i called XXXX they said they cant do anything because the account referenced is paid in full and is not in collection

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 2019-07-23 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 — Investigation took more than 30 days
Company: CORELOGIC INC
State: TX

Complaint narrative:
fcra violation why does credco need the same report 5 times remove all but one XXXX  did the same 2 inquires same day XXXX  XXXX never applied ftc CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 XXXX  XXXX XX/XX/2019 CREDCO XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019

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 2019-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I submitted a mortgage assistance application to my lender US Bank and the processor XXXX XXXX  phone # : XXXX extension : XXXX is requesting for all schedules for my Federal Bankruptcy. I provided the copy of the filing for the bankruptcy she claims she will not deem my package complete until she has my bankruptcy schedule which is unheard of, and the second portion has not been file i do not feel my process should be delay because they need my bankruptcy schedules that has nothing to do with my loan modification review nor its a federal guideline request. XXXX is dual tracking and asking for documents that have nothing to do with my review. I also spoke to someone in the Bankruptcy department according to the representative i spoke to they should not be asking for any schedules.

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 non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XX/XX/2018 ; my loan amount exceeded XXXX citing an interest rate increase from XXXX a month to XXXX. Each time I spoke with a representative there was a different reason and what they could do to help. In XX/XX/2018 I uploaded tax forms, check stubs and application. The documents were never reviewed by Navient. They would not negotiate a lower payment with documentation that I could not afford the payment and would not hear what I could pay. I was threatened with garnishment and loss of teacher certificate unless I did a forbearance. Thiss loan has ballooned to XXXX. As a math teacher this is a pure SCAM. I will never pay this loan off ; they will not take partial payments. I get no mail until I request and every representative has a different script. Presently they are asking for XXXX per month. My take home monthly pay is XXXX. I can not pay any bills with this payment yet I keep trying to work things out. Presently, Ive asked for a different loan. They have each of these loans listed as 13 separate loans. Some as low as XXXX and reporting it to the credit bureaus as 13 separate loans. I try to give them a number I know I can afford and pay ( XXXX a month ) and they still wont take it ; however if I lose my certificate and my job they wont get anything. Im frustrated. I am hoping the documents I send today will show that I can not afford such balloon payments and the only option they offered was IBR yet I am eligible for a lower % age payment. Please help! 
Drowning in Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
fcra violation why does XXXX need the same report 5 times remove all but one XXXX did the same 2 inquires same day XXXX XXXX never applied ftc XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXXXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019

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 2019-07-23 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
fcra violation why does XXXX need the same report 5 times remove all but one WF did the same 2 inquires same day XXXX XXXX never applied ftc  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XX/XX/2019 WF CRD SVC XX/XX/2019 WF CRD SVC XX/XX/2019

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XXXX XXXX I received an alert that a collection account had been posted to my trans-union account. I went onto my trans-union account to find that a debt collection company called XXXX XXXX XXXX XXXX XXXX had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to Trans union to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days transunion had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came XXXX and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to XXXX XXXX XXXX XXXX.to both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.

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 2019-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting a re investigation of the debt listed on my credit report under XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered. All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019through the Consumer Federal Protection Bureau and have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.

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 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: LA

Complaint narrative:
I am signed up with clear one advantage, which I updated my phone number to that company so the creditors can call them and not me. But I have two companies that keep call me on my cell phone, my work, my husbands work and now someone showed up at my house. The companies are Mariner Finance and XXXX XXXX XXXX, can you please have them stop calling me and have them contract Clear 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 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered to make this debt valid which is violation of 15 USC 1692 ( E ) All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019 through the Consumer Federal Protection Bureau and still have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.

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 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America wants to charge my account for replacing my debt card. These fees were not charged. The rep XXXX XXXX wants to charge per phone call at 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 monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had spoken to a gentleman in the AMEX collection department Rep Id # XXXX about a week or so into XXXX. 

The call was recorded so the exact date can be found. 

He told me that my past due amount on my personal loan account was {$670.00} and that would bring me up to date. 

He also told me that after making that payment and bringing the account up to date they would be able to remove at least two of the return check fees. 

I scheduled a {$670.00} payment for XX/XX/2019 that was processed and posted. 

I received a call from XXXX XXXX from the AMEX collections department a few days after the {$670.00} payment posted for my AMEX personal loan. 

He told me that my account was not up to date and that a payment of {$320.00} was still needed to bring my account up to date. 

I told him that the last gentleman I had spoken to assured me that the last amount of {$670.00} brings me up to date and that at least 2 of the returned payment fees would be credited. 

XXXX XXXX confirmed that the information provided by the prior gentleman was not correct and the chances of having those two returned late fees credited is very slim and needs approval by a higher department. 

I was clearly lied to by representative # XXXX to get a payment for any amount. 

In addition AMEX had attempted to pull funds out of my XXXX XXXX Account 9 times unsuccessfully due to insufficient funds. 

If the funds were not available I believe 9 attempts is excessive, but unsure if that particular protocol violates any laws. 

I was not properly notified of these withdrawals and 9 times seems to be excessive when funds are not available. 

Each time my bank declined the transaction not allowing for any overdraft fees or a payment to be processed. Despite the denying of these payments by my bank I was charged a {$39.00} returned check fee 9 times. 

I believe the following things and this is why I am filing this complaint : 1 ) Not properly notified of the 9 attempts to withdraw funds out of my account 2 ) Lied to by a representative about the payment amount due and reversal of fees 3 ) Unscrupulous collection tactics and what seems to be a toxic culture in the AMEX collection department. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had a wireless phone and XXXX for the home with XXXX upon leaving XXXX they charged me numerous frivolous fees that I was unaware of until it appeared on my credit report. They reported the bill and had a collections company report the bill on my credit report I never received any collections notice they removed my access to see my account online which as per their website I should still have access to my old bills than when I tried to speak to someone in corporate they refused to verify the address they had on file. To this day I still have not seen the bill and all the charges only what they stated on the phone. They also are falsely reporting the account on my credit report as an open account with a maxed out limit instead of as well as a collections by doing this it looks as though every month I owe {$910.00} and another for {$1900.00}. And lastly they are reporting this as though the account is recent even thought I have not had this account in over 3 years and they decided to initially state I owed {$910.00} last year and then to report it at {$910.00} as a fresh debt this year I disputed this with the credit reporting agency as well and they did nothing they continue to allow them to report this as open account they state the debt has been verified which is a lie there is no way they could verify I received any collections because I have not and they did not even want to verify my address This is against and the laws of fair credit reporting and this greatly affecting my credit more than a collections because it reports as open and active and they know exactly what they are doing as I have seen online this is a common occurrence with XXXX and somehow they manage to continuously get away with it

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