vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Initially, I brought a used car from the dealership and Fifth Third Bank offered me a loan. The first month I had full coverage insurance but the second month, I did not. New to the auto game, I received a huge bill for approximately {$2500.00} at the end of XXXX or start of XXXX. Upon calling the bank, the bank reimbursed me approximately {$2000.00} and {$500.00} dollars was still left off since I had no insurance for only 1 month. I paid that amount approximately 2 months later. Recently on XX/XX/2019, I received a bill from Fifth Third Bank that I had a payment due of {$450.00}. On XX/XX/2019, I called the bank that why when I paid the insurance bill already. They stated this is my regular installment payment. Please note, my monthly payments were always {$390.00} and NOT XXXX. The bank representative put me on hold and transferred me to their third-party insurance company without resolving the issue and having any specific reasons. The insurance company notified me that I need to submit proof that I had insurance for the missing month they have on file. I notified the representative that I DID NOT have insurance and I had paid the fee associated with that. Then the insurance representative stated, they will have to connect me to the bank again. Without any resolution, I am getting bounced around which is not helping the issue and further hurting my credit. I received no help and I am now left stranded. Conclusion : My payments increased without any notification or specification which is completely fraudulent. Please note, I have received no notification at all for this change and the change is unjustified by the bank. Further, the bank demands the money which has already been paid off. Furthermore, please see attached bank statements, there is a third party company named ( XXXX  ) that automatically withdraws {$200.00} dollars twice every month to satisfy the monthly payment of Fifth Third Bank of {$390.00} in which extra {$12.00} is their service fee. Lastly, please see the notice by the bank dated XX/XX/2019, in which it shows the monthly payment increasing by almost {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: NE

Complaint narrative:
I am a XXXX XXXX  XXXX Veteran that is XXXX and XXXX. I had a medical incident and had to go to XXXX Hospital for treatment. They improperly registered me as a self pay patient. Instead of submitting the visit to VA. I found out that this was in collections when we went to by a property. I did try and negotiate a settlement with AAMS 2 years ago. AAMS told me that the was a medical bill from XXXX Hospital and the date of the visit. My wife and myself figured out what the situation was and contacted XXXX at XXXX Hospital, he is the person that handles these item. After several attempts I was able to talk to XXXX via phone, he informed me that it was an ER Visit and that they had me as Self Pay this is why it is in collections. I informed him that it should have been through VA and not self pay. XXXX informed me he would see what he could do. That was 4-5 months ago and he is not been returning my phone calls that I leave left a message for him trying to get a Status. This bill is still on my credit report and now say it is due to come off in about two years. This is not acceptable! XXXX Hospital is the one that made the mistake and should correct it. 
Buy not submitting this bill to VA they are trying to receive more money though self pay than they would though VA, as VA only pays the same rate as midi-care / midi-aid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: WA

Complaint narrative:
On XX/XX/XXXX a company by the name of XXXX XXXX XXXX illegally added an old account from 3 years ago, ( that I included in my Chapter XXXX Bankruptcy schedules ) to my XXXX   credit report as an owed debt they're trying to collect on. The original creditor was XXXX XXXX XXXX. So I disputed this directly with the collection agency XXXX and credit company XXXX, as well as filed a CFPB complaint. Days later, before XXXX received my bankruptcy schedules, showing the original creditor, they sent me dispute results stating that the creditor verified information and would stay on my report. A few days after this, upon receiving my bankruptcy schedules, XXXX  realized XXXX XXXX XXXX was being dishonest, so XXXX then updated my dispute results showing they removed XXXX and XXXX XXXX from my credit report. on XX/XX/XXXX, I decided to check my other two credit reports ( XXXX and Equifax ), and realized XXXX XXXX XXXX had also included this old account on to these reports as well. Being that I disputed them directly showing proof that they were illegally trying to collect on a discharged debt, they listed the account differently on XXXX and Equifax reports. It's listed under collections, showing it was included in my bankruptcy. Thing is, any other accounts listed under my bankruptcy aren't listed as collections because they are no longer owed debts. I tried disputing this, getting the information removed with both XXXX and Equifax, being that its false reporting which is against the law. I just received a new report and dispute update from XXXX showing they removed XXXX XXXX XXXX from my credit report, while Equifax says it'll remain on my report showing as a collection. This company maliciously added this information to my credit report, 3 years after me filing bankruptcy and is very damaging to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian. I had a free week for their extra serviceand then it charged me which was fine then I go to cancel and there's no way to cancel online and the phone number doesn't give me a person and hangs up. Also the only option it does give you to cancel is their FREE service not the service you are paying for.

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 2019-06-06 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: Center Street Finance, LP dba CSF Servicing
State: FL

Complaint narrative:
I have been trying to get this matter solved for months and almost two years since I got the car. The car loan is not showing up on my credit reports and on the website of the car loan company states they report the information every 30 days. 

I have sent multiple letters to the company CSF SERVICING and even contacted credit bureaus and dispute to have my account included in the reports. No answer has been provided to me and every time a dispute closes no changes are made in my reports and the account never shows. 

I have tried to resolve this matter with Contact Information Address : XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX EMail : XXXX Text : XXXX Fax : XXXX Business Hours Monday thru Friday XXXX to XXXX CST Saturday XXXX to XXXX CST and no answer. I will no longer pay for a car that is not helping me build my credit and maybe will never get a clear title off this company due to this mess. 

Please I will await your answer within 30 days Thank you for your attention in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
This is from me talking to Continental Finance in XX/XX/2019 I asked how much to close out my Credit Card in full I was told I needed to pay {$320.00} which I paid. My monthly payments where {$35.00} which I did make a online payment of {$38.00} which would have went towards my monthly statement not according to them. I was told over and over my account was closed and paid off this is XX/XX/2019 they're now telling I owe them {$38.00} with monthly maintenance fees which {$170.00} they said was reversed they've been lying since I paid off the card in XXXX. A supervisor told me what happened apologized for my inconvenience and told me everything would be reversed nothing to worry about call back in 3 business days to make sure I was at a XXXX balance. I called back 3 days later to find out I have a charge of {$50.00} {$38.00} returned check 12 maintence feel I saw no reason after I already paid {$320.00} to pay off my card and multiple people in that company telling me I was paid in full and as I paid my matrix card off I was told I wouldn't inquire any fees which was another lie. And my is jacked up due to XXXX XXXX and their thieving ways. I read the reviews on company and their horrible. Idk what to bcuz I feel like when you're thinking your in the clear they come with outrageous fees quote.

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 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XX/XX/16 {$1900.00} Not my debt.Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay XX/XX/16 {$1700.00} Not my debt. Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account 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 2019-06-06 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
{$35000.00} of fraudulent charges ( from XXXX ) were assessed to my credit card and after several discussions and 2 billing cycles, Bank of America is reflecting me as past due and neglected to add all fraudulent charges to the dispute until today. The credit card was in my safe when the charges were assessed. The bank was notified of fraud after $ XXXX, but incompetence allowed for another $ XXXX. 

I am concerned regarding credit reporting.

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 2019-06-06 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: MS

Complaint narrative:
I have tried on numerous occasions to have my credit report updated with Equifax, my report has not been updated since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get this matter solved for months and almost two years since I got the car. The car loan is not showing up on my credit reports and on the website of the car loan company states they report the information every 30 days. 

I have sent multiple letters to the company XXXX XXXX and even contacted credit bureaus and dispute to have my account included in the reports. No answer has been provided to me and every time a dispute closes no changes are made in my reports and the account never shows. 

I have tried to resolve this matter with Contact Information Address : XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX EMail : XXXX Text : XXXX Fax : XXXX Business Hours Monday thru Friday XXXX to XXXX CST Saturday XXXX to XXXX CST and no answer. I will no longer pay for a car that is not helping me build my credit and maybe will never get a clear title off this company due to this mess. 

Please I will await your answer within 30 days Thank you for your attention in this matter.

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 2019-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
As of XX/XX/2019 This company " XXXX XXXX '' phone both my brother ( XXXX XXXX ) and sister-in-law ( XXXX XXXXg ) I have written documentation from both they were contacted around XXXX CST. Both family members said " a lady '' would not give her phone number and says she is trying to get a hold of me. '' She did state she is from " XXXX XXXX. '' I don't know who this company is, but when I searched in on XXXX, it states an address of XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Their website states " Health care '' and " Commercial debt collection. '' I have not received any written documentation. I did get one call and the person would not identify themselves unless I " self identified '' and that is not something I would ever agree too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: FL

Complaint narrative:
This account is reporting inaccurately on my credit report 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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am a Military member which was XXXX and XXXX in XX/XX/XXXX. I requested CA Mortgage Deferral under CA Military Veterans code for 180 days with XXXX XXXX XXXX. While they were veryfying eligibilty the mortgage was transferred to New Penn Financial / Shellpoint in XX/XX/XXXX - XX/XX/XXXX. New Penn Financial was unaware of the Deferral, they eported the loan delinquent and started the foreclosure process. Upon arriving back into the US I worked with New Penn Financial to provide the same info required for the Deferral with XXXX XXXX. Initially they stated they do not Defer Mortgage, in XX/XX/XXXX they finally stated they would. Any payments made before would not bring the account current, they required all payments from XX/XX/XXXX to be paid. The house has been sold and Mortgage paid in full as of XX/XX/XXXX. Both Mortgage companies were at fault of not following SCRA proctections available to me as a Military member.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: UT

Complaint narrative:
I applied for a Home Equity Loan with Key Bank starting in the middle or end of XX/XX/2019. I have had many frustrating moments throughout this experience but I will only highlight the primary complaints because they are the mistakes that led to my withdrawal of the application and have negatively impacted my financial options 1. I was misquoted on the rate multiple times ... both over the phone and via email. 
Ultimately Key Bank decided to honor the rate that I was quoted, but honestly it feels like they have intentionally tried to make the process difficult so that I would withdraw my application. 

2. Call after call after call ... .asking for the same items that had already been submitted. Tax and insurance info, employment verification, prior appraisal information ... .just to name a few. I do not mind providing any of these items but to keep asking for them is very frustration ... .there is very poor inter-department communication with Key Bank . 

3. I was misquoted on LTV ... .several times, over a period of several weeks. I was told by more than one individual that " because of your good credit and income we can offer you 90 % LTV. This was a critical piece of information because my appraisal came in lower that expected ... the higher LTV was going to make my request make sense for me financially. I would understand if it was a one time occurence that somebody got it wrong but it was multiple conversations. Fortunately Key Bank records all of their phone calls ... so this should be easy to verify. Again ... .this is a misquote on on their underwriting criteria ... not my mistake. I moved forward on the application because of what they were offering. Ultimately, I was misled by Key Bank employees, my initial application was submitted understanding that their guidelines were 85 % LTV ... however they told me that they could do 90 % ... I did not ask for that. I think they should stand behind their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2019 I contacted Equifax to have all disputes removed from report per XXXX XXXX. I am currently in mortgage loan process. On XX/XX/2019 I received an alert stating the representative had falsely places disputes on 6 different accounts. This delay has and will cost me approximately {$2000.00} in cost from XXXX XXXX. I contacted Equifax again on XX/XX/XXXX to have problem corrected. I was advised this would take 30-90 days. This will cause me to not follow through with mortgage and loose even more funds. My complaint is with Equifax not XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: CA

Complaint narrative:
EQUIFAX IS NOT REMOVING THE FRAUDULNET ACCOUNTS FROM MY CREDIT REPORT. PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) UNAUTHORIZED FRAUDULENT ACCOUNTS MUST BE REMOVED /BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT. I HAVE SENT MU IDENTITY THEFT REPORT TO THEM NUMEROUS TIMES AND 3 XXXX  XXXX XXXX ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have tried on numerous occasions to have my credit report updated with XXXX, my report has not been updated since 2018.

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 2019-06-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I paid the following accounts prior to the release of my credit report from Experian and XXXX on XX/XX/2019 : XXXX ( paid {$1900.00} on XX/XX/19 )  XXXX XXXX ( paid {$940.00} on XX/XX/19 ) XXXX XXXX XXXX ( paid XXXX on XX/XX/19 ) XXXX XXXX XXXX  ( paid {$370.00} on XX/XX/19 ) Payments in the amounts listed above were not reported on my credit report despite them having been processed before the report was published. 

Furthermore, I made payments to both a collection account with XXXX XXXX  XXXX XXXX. XXXX, in the amount of {$510.00}, and to my XXXX account, in the amount of {$960.00}. Neither of these payments are reflected on the XX/XX/2019 report. Although they were each processed prior. 

In total there are 5 payments that were made prior to XX/XX/2019 totaling {$3300.00} and are unaccounted for on the report. 

Finally, I have made payments to both my XXXX XXXX XXXX and XXXX   XXXX XXXX XXXX accounts that are not being reported. Even though the payments were made prior to the release of my credit report on 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 2019-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is reporting inaccurately on my credit report XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief