vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 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:
Good afternoon. I would like to file a complaint on XXXX as well as XXXX, XXXX and XXXX. I was reviewing my credit report and discovered several medical bills in collections. I disputed the accounts XXXX and XXXX with all ( 3 ) bureaus several times and the accounts came back as verified. I sent a letter to XXXX on XX/XX/18 requesting validation. The responded on XX/XX/18, but the information mailed does not verify that either account is mine. This information could have been falsified or made up. Again I requested very specific information again, I was sent the same thing. I would like to complain on the bureaus as well. They keep verifying the information, but how if the collector can't even verify the information with me the consumer. It appears that some of the accounts were deleted for a few of the bureaus. I need both accounts deleted from all bureaus. It has been more than 60 dates and ( 2 ) attempts with no validation. I WANT BOTH ACCOUNTS REMOVED or I will be filing a suit against Collection Agency and the bureaus.

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 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendingUSA
State: PR

Complaint narrative:
I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XXXX XXXX I tried to remortgage my home thru WellsFargo. I made arrangements to make 6 months reduced payments with the understanding, I would be able to refinance at the end of that time if payments were made on time.. They were and my loan was denied, according to wells fargo my Investors denied my efi-loan. I know Wells Fargo is under investigation for denying mortgages during this period and I feel I was one of them .In XXXX of XXXX my home was foreclosed on. I had been in that home 12 years and it was my retirement home. Since that time I have had to move several times and I am XXXX XXXX XXXX and feel I should be considered for this lawsuit.

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 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Chapter XXXX Bankruptcy was reported in my Transunion credit report on XX/XX/2010. 

It was reported by : Federal District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX Case Number # XXXX XXXX The United States Bankruptcy Court, Distric of Puerto Rico, notified that the Trustee appointed in the aforementioned cases filed a Report of No Distribution on XX/XX/2010. 

The United States Bankruptcy Court, District of Puerto Rico, ordered for the discharge an the closing of the case on XX/XX/2010.

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 2018-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUTOMOTIVE CREDIT CORPORATION
State: OH

Complaint narrative:
Being charged interest and principle on a loan that is over twenty years old.Ca n't seem to contact XXXX XXXX XXXX to get any information about the original promissory note.

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 2018-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
I took out a {$900.00} loan. I have now paid back {$1500.00} and they are saying my principle balance is still {$690.00}!! Turns out, my interest rate is 501 % and I will have paid this back about 10 times before I have it paid off. I never saw an interest rate before signing. I new my monthly payment was {$310.00}, but I assumed that was until I had paid off the {$900.00}. But it still comes out every month. 

Looks like they are a tribe and say they are not covered under federal law ... 

They are called Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: NJ

Complaint narrative:
Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 60 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX  Monthly Payment - Past Due Amount - Highest Balance {$290.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have called several time and disputed this account spoken with supervisors below. 
XXXX ( Intergrity Team ) XXXX XXXX XXXX XXXX send me documents showing the accounts i have with them and this account above is not even listed. Document was sent to XXXX and equifax who refuse to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2018 I was charged a late fee despite having set up auto pay. The auto pay function is unfair, deceptive, and abusive. It requires a creation of an automated bill, and then it auto pays based off that bill. But the BOA interface never really makes it clear whether you are good to go on making your desired payment. It gives you boxes such as " you may need to make a payment '' instead of " you need to make a payment. '' This makes it difficult to commit to making a payment because you don't want the money taken out of your account twice, and BOA does not have the proper controls to stop that from happening.

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 2018-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Access Financial LLC
State: CA

Complaint narrative:
A person by the name of XXXX keeps calling me at work every single day numerous times. 

Being very rude even when I told him to stop calling me at work and that I Can not get personal calls during business hours. 

He is very rude to my coworkers when they answer, and he said he did not care I am not allowed to get personal calls at work that he will keep calling. 

This debt is under a Debt Settlement Program and we are already working on this, but he keeps calling non stop.

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 2018-10-08 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:
My name Is XXXX XXXX. I have sent numerous letters ( certified ) to Equifax Credit Reporter Agency, in regards to information ( 5 derogatory remarks ) from XXXX XXXX XXXX, that they have not " verified '' in accordance to FCRA Law through their investigative practices. I have sent 4 certified letters to Equifax about this matter They have responded each time, that their investigations of my complaints against XXXX XXXX XXXX, has been " Verified. '' In each of my response back to Equifax, I noted that " In accordance to FCRA section 609 ( a ) ( 1 ) A and section 611 ( a ) ( 1 ) A, Equifax has not supplied me with any original documentation ( including my signature ). Furthermore, under section 611 ( a ) ( 7 ) they had failed to provide me with any information regarding their verification methods. '' In my last letter dated XX/XX/2018, with regards to my pending lawsuit. It states that " Under section 611 ( 5 ) ( A ) of the FCRA regulations, Equifax has ( 15 days ) of receipt my letter, Equifax must delete any and all remarks, which could not be verified. '' Again, Equifax responded in a letter ( dated XX/XX/2018 Note : 16 days after the deadline! ) stating the XXXX XXXX remarks had been " verified. '' Included in my response was a copy of my latest XXXX   Credit Report 's investigation of the same 5 derogatory remarks by XXXX XXXX that had been " deleted '' through their investigations. Also at Equifax 's behest. I included a filed Police report of fraudulent activities against XXXX XXXX XXXX for unsubstantiated negative remarks on my credit report. This is my " Final '' attempt to resolve this issue amicably. I will seek financial relief through my retained attorney in response to their unverified methods. I want to thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC.

Complaint narrative:
I have had an account with suntrust bank at XXXX XXXX XXXX florida for 15 years, I am XXXX and I bought a house in XXXX, i have never been in debt, and for the last 10 years, due to the financial problems of XXXX my house has been rented out, i have never had any interest on my savings, so whenever the rental proceeds amounted to a few thousand dollars, I would wire transfer this amount through an American dollar account with : foreign currency direct : they would then pay it into my euro bank acc here in XXXX where I have retired.To do this I had a WTS number and passcode so that when I rang them the money would be transferred to my XXXX acc, this passcode was automatically renewed every 2 years in XXXX, it wasn't sent last XXXX, and for the last 12 months I have repeatedly emailed, phoned, [ at great expense being put on hold for 55 mins of a 75 min call costing over {$100.00} ] wrote to them, they are not taking my calls and not answering my emails, I don't know why, its a very simple request, my supposed contact person at XXXX  XXXX is XXXX XXXX, ive waited another 8 days after I was told to email her by XXXX XXXX at XXXX XXXX XXXX XXXX I have also tried ringing her several times but I just get voicemail, I don't know what else to do, I hope you can help me, XXXX thank you

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 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
FINALLY GOT THEM TO AGREE TO CHANGING FROM AND INTEREST ONLY FOR 10 YEARS NOTE TO A CONVENTIONAL LOAN. INITIALLY THEY AGREED TO INCLUDE ALL ACCOUNTS INTO THE LOAN, THEY THEN LEFT ONE OUT AND WITH OUT MU KNOWLEDGE THEY HAD ME SIGN PAPERS AND COMMITTING THAT IT WAS STILL IN THE NEW LOAN. THE THE ONE THEY LEFT OUT THE ERRONEOUSLY DEDUCTED IT FROM MY ACCOUNT WITHOUT MY KNOWLEDGE, CAUSING AN OVER DRAFT AT THE END OF THE MONTH. MANAGER LAUGHED IT OFF SAYING WAS ONLY A YEAR LEFT ON LOAN ANYWAY! THEN THEY ASSIGNED IT TO XXXX XXXX, THEN THEY NOTIFIED ME. CALLED XXXX XXXX, THEY HAD LITTLE KNOWLEDGE OF THE ACCOUNT. XXXX XXXX ASSIGNED IT TO A MORTGAGE SERVICE COMPANY, CALLED THEM AND THEY IDENTIFIED THEM SELF AS A MORTGAGE COLLECTION AGENCY. IN THE BEGINNING I HAD THE BANK SET UP THE ACCOUNT AS AN AUTOMATIC ELECTRONIC DEDUCTION TO BE TAKEN OUT ON THE FIRST WHEN I GOT MY VA XXXX CHECK ELECTRONICALLY DEPOSITED! THIS A XXXX XXXX XXXX ' ON THE PART OF THE BANK AND XXXX XXXX!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX XXXX BANK : IBERIA BANK XXXX, LA. 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 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stanislaus Credit Control Service, Inc.
State: CA

Complaint narrative:
I checked my credit score and noticed it had decreased and there was a report stating i was in collections. I gathered the information and attempted to call them. After calling them 4 times i got a hold of someone who then transferred me to the agent XXXX, she started the call extremely rude asked for my addressed and i let her know i never received a noticed since the address on file was incorrect she said they did not receive a mail back so the address was correct even though i stated the address was incorrect. I asked if there was a way to dispute and she stated i could not dispute the balance. In the beginning of the phone she let me know the balance was for XXXX then later on the phone call told me the balance XXXX since there was interest charge. She did not state her mini Miranda, she did not let me know the call was being recorded and hung up on me and was extremely rude and sarcastic and also lied about the balance on my account. She did not let me know if collection activity would continue. I called again to get the balance resolved and she let me know that i could not dispute and to talk to her manager. After i spoke with her manager she also did not do much. She did not tell me call was being recorded or the mini Miranda, she said she could give me a discount but did not offer to let me dispute the account. After i told her they had the wrong address she did not gather the correct address information and let me know i can dispute and rushed me off the phone without giving me details on how to dispute. I had a XXXX XXXX right after the call because of manipulative and rude behavior. The agent I spoke to was XXXX and her supervisor was XXXX. I do not owe this balance. The services were never provided. They broke FDCPA laws and HIPPA laws. I feel harassed and nothing was ever provided to me regarding the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
To whom it may concern, I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to Unsecured revolving credit history short. 
At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. 
I feel at this time they are not giving me this card due to the fact my last name is XXXX and I am a female. 

Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. 

Thank you, XXXX XXXX Application number is 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 2018-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is for Equifax, XXXX and XXXX. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on Equifax website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call XXXX nd they hang up on me, XXXX could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with XXXX..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX balance is showing {$1100.00}, XXXX XXXX XXXX with XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC and another party involved has called me, threatening to sue me, seize my property, contact my employer, garnish my wages, and put me in jail for a credit card that I had supposedly opened in XX/XX/XXXX and made a last payment inXX/XX/XXXX. I do not recall ever having this credit card, nor did I have any unpaid credit when my credit reports were ran when I recently bought a house. They said that in XX/XX/XXXX my balance was a little over {$700.00}. But now with interest my balance is now well over {$1000.00}. But if I pay them {$800.00} now, like right now, they will not proceed with legal action. They can not give me any or much information, and just kept asking me weird personal questions about my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have 8 student loans thats serviced by Navient. I have been living at the same address for the past 5 years and Navient never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed navient XXXX XXXX  and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, Navient is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Basically I am complaining that two different mortgage companies 1 ) XXXX  2 ) Lakeview/XXXX XXXX   mismanaged my money by deciding unilaterally and without my approval to ( 1 ) endorse the check and submitting it to a different mortgage company without first calling me and asking me what to do with that check since this mortgage company had already been paid during closing. The right thing to do should have been to return the check to me. But they decided instead in endorsing the check to ( Lakeview Loan Servicing/ XXXX XXXX ). 
Lakeview Loan Servicing/XXXX XXXX had already received a check so they should have called me as well to ask me what to do with this extra money. They decided unilaterally without my consent to apply that payment towards principal. 
By doing this, these two mortgage companies acted as bullies in a school playground and took posession of my check and use it to their interests disregarding mine and causing me to have problems with cash flow to pay other debts. I am a senior citizien in a fixed income and this kind of thing is causing me a lot of aggravation and stress.

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 2018-10-08 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an XXXX credit report an inquiry was found with Nordstrom/TD Bank XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to Nordstrom/TD Bank to have this information removed. While a clearance letter dated XX/XX/2018was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the Nordstrom/TD Bank information be XXXX. This is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief