vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BUDGET CONTROL SERVICES, INC.
State: GA

Complaint narrative:
So I had a XXXX procedure done. Originally I was told with both my insurance it would only be {$7.00}. Great ok so I had the procedure done when I came out I was told it would be {$90.00}, when questioned I was told the need to do extra stuff while do the procedure. I was told while it was happening hey we are having to do extra work or anything. But I paid the {$90.00} anyway right then. So maybe like 2 years ago I see a collection. I call and they say its from XXXX XXXX XXXX XXXX. Well as far as I know I paid. So I called XXXX XXXX, they looked up my record and said they sent a letter With the additional fee. So I said what fee I already paid extra while there. She said my insurance came back inactive. NOT TRUE. so I called the insurance company myself and was told by them, that because I had two insurances they asked them to send a itemized bill of what the other company paid and they would pay remainder. Well they never sent the itemized bill per the insurance company. They company also told me they would still take care of the bill if they send the invoice. So I called back perfect teeth and asked for manager. The secretary who I spoke with earlier said she was the manager and wife of  the dentist that did my procedure. So I told her what the insurance company stated and that if she sent the itemized bill they would cover the debt. She then said she sent the itemized bill they asked for. STOP she had told me in the previous phone call that they said my 2nd insurance was inactive. So I told her that she just lied to me. She then began to yell and say if you had your mail forwarded then you would have received the new bill and wouldn't have went to collection. I told her my husband is military we live on post we had no other bills or mail being sent to us. The XXXX knows where we move, and we had no outstanding bills to have needed to forward any mail. I was told it was taken care of when I left your office. I truly believe they are running a scam. They are charging people extra and because I had 2 insurance they tried to bill them twice for same procedure. Why else would they not send a bill. Even a debt when the insurance is saying they will pay for. They need to be investigated and the matter needs to be investigated. I don't have money to pay a bill I don't owe. The debt is now with Budget Control Service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2020 I purchased some XXXX XXXX components from Amazon. One was ordered by me incorrectly and I received an authorization to return it and order the correct one. This I did and Amazon notified me that they had received my return and had shipped the correct item. The transactions took place using my Chase Bank Amazon VISA card. 
I received my Chase Amazon card invoice in XXXX and did not see the credit for the returned item and wrote Chase a letter on XXXX regarding this matter. Copy enclosed as first attachment. 
Upon receiving my Chase Amazon card invoice for XXXX, the credit was missing but interest on the disputed charge was included. I therefore sent a certified letter to Mr. XXXX XXXX, copy enclosed as attachment 2, and included my check # XXXX in the amount of $ XXXXwith an appropriate explanation in the letter. The USPS submitted to me signed hard copy indicating receipt of the letter by Chase. To this day the check has never been cashed, however. 
Subsequently, the Chase Amazon card invoice for the following month was in error and I therefore wrote a second certified letter to Mr. XXXX dated XX/XX/2020. A copy of this is provided as attachment # 3. Once again the USPS also provided me with signed hard copy indicating receipt of the letter. Also this time check that I included to pay the accepted charges was cashed. 
I received on Saturday evening XX/XX/XXXX at XXXX XXXX  a broken up voice mail from a lady in the " executive office '' of Chase. A month later ( XX/XX/XXXX at XXXX XXXX ) I received another voice mail this time from from XXXX in the executive office. While this one was clear enough to understand, I did not respond to either voice mail as I prefer to conduct business in writing where proper thought can be given before responding and fewer misunderstandings occur. I felt that having sent several letters this would be understood by any responsible party particularly given the complexity of this dispute. 
With no written response from Chase, I learned that Chase reported me to the credit reporting agencies and my credit score dropped from the 800s where it has been for as long as I can remember to the low 700 's. Then on XX/XX/XXXX they sent me notice that they were reducing my credit limit on my other Chase card to {$500.00}. While not certain, I believe it had been somewhere between {$10000.00} and {$20000.00} prior to this slap on the wrist. 
I have followed XXXX XXXX 's career prior to his going to XXXX XXXX  and, while I really did not expect these letters to actually reach him, I believe he would be extremely distraught to learn of the actions - or lack thereof - of his " executive office '' staff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11 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:
didnt recognize these inquiries on my equifax report from car dealer when i didnt need a vehicle i tried resolving by call and dispute nothing happens they were several on XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  please help me solve these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
navy federal froze my checking an saving accts XX/XX/2020, they stated they are doing an audit, with no answers an whats going on, i only got questioned about my SBA loan. They put me on hold to look up registration status while on hold i did the same an saw the listing with the Secretary of state showing i owned the business, they finally came back on the phone an stated they couldnt find me as the owner???????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have not been able to make payments on my second loan. At the time of purchase of my home in XXXX I got an XX/XX/XXXX mortgage. On the XXXX XXXX  loan I have been delinquent since XXXX. I want to be able to settle this account but I have been trying to call LOANCARE ( servicer ) for two straight weeks and I can not get to a live representative. This is a travesty.

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 2020-09-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-11 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: PA

Complaint narrative:
My Experian report has inaccurate information and when disputed they said the found my disputes to be completely accurate and then added more inaccurate information or left it the same. My XXXX  and XXXX both have about the same information and they are almost completely accurate

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 2020-09-11 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This company is trying to extort money from me for a debt that has been resolved and repeatedly harassing me by telephone calls multiple times daily with robo calls. I paid payments to the credit card company 's attorney for this debt and they ultimately sent a payment back saying they were closing my account with this office. Without knowing who these callers are, they ask for very personal information and have never offered proof of this debt and have been reporting this information on my credit report. I have attached the letter from XXXX XXXX attorney. I have no clue where they got their balance as I have several payment receipts to the attorney regarding my payments and assumed they accepted these payments in full for final payment as they returned my last payment and issued a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Tried to open a checking account with Wells Fargo and was told during the process that the account could not be opened. At first, I was told that there was a problem with my credit. I went and checked my credit report and there is no problem. I called the bank and was told it has something to do with my relationship with Wells Fargo, but no one can tell my what the issue. All thatmy husband and I have with Wells Fargo is a mortgage ; which I am in good standing. I was told on XX/XX/XXXX that there would be a resolution in 10 days. It is now 19 days and the case manager can only tell me that there a letter is being mailed to me but he doesn't know what is states. I called the customer service department and explained the issue again and still was unable to get an answer ... .1 ) I have good credit 2 ) I have a mortgage with Wells Fargo in good standing 3 ) I am not asking for a  loan ; all I want to do is open a checking 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 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I submitted a check to Bank of America with my normal mortgage payment. The check was for {$100000.00}. I designated on the form that {$1400.00} was to go to my normal mortgage payment and the remaining {$100000.00} was to go to principal. The check was verified by my bank to be cashed by BOA on XX/XX/XXXX. The {$1400.00} was correctly applied to my loan. The remaining balance does not show in my account and my attempts to find out what they did with my money has been unsuccessful. I am the one that has to follow up as they have made no attempt to reach out to me. I finally got someone to fill out a case that would go to their research team. It has been 3 business days and I have no information. I keep getting told to give it more time. There is zero sense of urgency to locate my funds that were cashed by the back almost 2 weeks ago. I have also filed a complaint with the bank through their feedback option on their mobile app. They have all the information including a copy of my check showing they cashed on XX/XX/XXXX. I don't know what else to do.

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 2020-09-11 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage failed to provide legally mandated notice requirements for changes to mortgage servicing. As a result, a payment was late. The late payment should not be reported to credit bureaus and the grace period allowed by Federal law should be tolled until such time that the consumer actually received adequate notice of who the mortgage servicer was.

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 2020-09-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

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 2020-09-11 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was the victim of identity theft and during that incident there was a fraudulent address attached to my credit profile. I petitioned all of the major credit reporting bureaus to remove the information due to the information being erroneous. Equifax still list the fraudulent address as a previous address. There are no accounts or information to validate the address ever being attached to me in any way. Equifax will not correct the problem and totally remove the fraudulent address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
{$2500.00} has gone missing from my savings account after an ACH bank to bank transfer was initiated. 

2 trial deposits were first received at my XXXX XXXX XXXX and then a they were removed, proving that the routing number and the account numbers were correct. These were processed on XXXX, the same day the ACH transfer went missing. 
Another ACH transaction was stopped on XXXX. 

I have been calling their online phone number for the last 2 weeks  with no progress, just a run-a-round. Spent an hour on the phone on XX/XX/2020 and paid a driver to visit the branch in-person. Spent 2 hours talking to the branch manager. He called a bunch of internal people with no result. I asked for the money to be replaced in my account and they would not do that. 

They basically stole the money from me. I want them to refund the stolen money and the guilty parties fired or put in jail!!! 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Please help me to reach a resolution with Capital One regarding their handling of a charge dispute. 
To provide a background summary - I purchased one year of biweekly massages with XXXX XXXX XXXX in XX/XX/XXXX. Part of the purchase was charged to my XXXX credit card ( {$380.00} ) and part of the purchase was charged to my Capital One credit card ( {$1100.00} ). 
I requested a refund of {$1300.00} from XXXX XXXX XXXX due to poor Customer service and for services not rendered on XX/XX/XXXX. They declined my request due to a no-refund policy. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX owner ) told me he would provide proof this policy was disclosed at purchase. However, this documentation was never provided and the company continued to refuse my refund request. 
Thereafter, I submitted a complaint ( # XXXX ) with the XXXX XXXX XXXX. They agreed XXXX XXXX XXXX did not adequately address my concerns or make a reasonable effort to resolve my dispute. The XXXX was unable to obtain the refund on my behalf and this complaint reflects as unresolved in their records. 
Subsequently, I submitted a complaint ( # XXXX ) with the Arizona Attorney General. XXXX XXXX declined my refund request and again did not provide proof of the no refund policy at purchase. I submitted my unsatisfied response to the Attorney General and am awaiting their follow up. 
Thereafter, I contacted XXXX and Capital One regarding the services not rendered and my refund request. I provided both credit card companies the same documentation - copies of my credit card statements, phone records, email communication with XXXX XXXX, print screens of the XXXX website and copies of the XXXX & AG complaint documentation for their reference. 
Based upon their review of all documentation, XXXX provided a {$380.00} refund for the services not rendered. 
Capital One initially provided a credit of {$910.00} on XX/XX/XXXX. They have since recharged my card for this amount on XX/XX/XXXX. I was told that because this was considered a service purchase, a contract or purchase receipt was required to dispute the charge. 
XXXX XXXX XXXX will not provide a purchase receipt ( presumably because it does not contain a no refund policy disclosure ). I did not sign a contract with XXXX XXXX XXXX. 
I simply can not understand why Capital One would reach a different conclusion and resolution to this matter. To be clear, Capital One has recharged me {$910.00} for services I have not received from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation