vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper, formerly dba Nationstar Mortgage makes it almost impossible to submit additional principal payments on my home loan. First, I tried to make principal payments on their web page, but there were only places to pay the full interest-escrow, and principal. On XX/XX/XXXX I sent them a check for {$1500.00} marked PRINCIPAL ONLY along with the account number in the memo section. In addition to this, I sent a letter specifying the purpose of this payment, as well as the Mr. Cooper coupon that specifies additional principal that comes with each payment notice. However, once the check was cashed, I saw that it had been broken down into interest and escrow payments, with only a tiny portion allotted for principal. I must have spoken to three or four different people to try to get it straightened out, but I did get a promise that this would never happen again. 
On XX/XX/XXXX, I got the courage to make another principal only payment, this time for {$4000.00}. I also made a pdf of the check and the payment coupon. On XX/XX/XXXX, I received notification that it had been received, so I went to the website to find, once again, it had been broken down into smaller payments- each covering interest, escrow, and the smallest portions principal. As before, I called to complain, and was informed that it would probably show up as corrected in a few days. I emailed a copy of the pdf to a XXXX XXXX who later emailed me back that I should have received a call. Someone named XXXX had called me with instructions to call her back. She wasnt there when I did call, but someone named XXXX. XXXX took the call and gave me her information so that I could check back with her next week. As of this morning, the account has new adjustments on two of the previously listed deposits of {$1300.00} and {$1300.00} to principal only, but that still leaves me {$1300.00} short on principal-only payments. ( Also, at this time, my regular automatic monthly payment of {$1300.00} posted on XX/XX/XXXX. ) I am weary with this company that sends its own specified deposit coupons and then does not honor them. I have worked with at least four other mortgage companies in my life, but I have never felt so insecure as I am now with this one. Mr. Cooper bought my loan from XXXX ; that is the ONLY way that they would have gotten my business. I wish I could just switch to another company ; but at this point, I would never get the same interest rate and it would cost me several thousands of dollars to set up. 
If Mr. Cooper is doing this to me, this company is probably doing the same to some innocent people who do not know how to check the data online. I would like some permanent solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I met someone online 5 months ago and it was not until sometime into the online communications he asked if I would allow some items to be sent to me and when he got out of the XXXX he would reimburse me. I took out three loans totaling over {$40000.00}. I have also paid about approximately {$10000.00} more on top of that. It was suggested that I contact you to see if there is any recommendations or assistance you can provide to help me with this. I am single and I have XXXX children. I have all the documentation that substantiates where the money was sent and to whom. I reported it to the police and FBI but I do not know where else to go so the detective gave me information on agencies that may assist. The scammer 's email address is XXXX. The delivery agency is XXXX XXXX XXXX. 

My loans are with PNC, XXXX, XXXX and XXXX. 

I thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
I disputed the debts and received bills. This is not sufficient validation.

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 2019-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. 
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. 
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. XXXX XXXX XXXX then changed my address when the USPS sent notification to the address, she is residing in. Potentially receiving mail sent to me on disputes. 
XX/XX/2018 Filed an Identity Theft with the FTC and have report # XXXX On XX/XX/2018 I was told of the fraudulent address change by the USPS that occurred XX/XX/2018, and that is where my mail has been going. 
On XX/XX/2018 I was in contact with the Postal Inspection Service, received my first case number from them, I have multiple case numbers now, XXXX, XXXX, and Reference # XXXX. 
XX/XX/2018 My USPS agent requested additional monies from me ( {$10.00} ) for a package that had an address on XXXX XXXX XXXX. that had been forwarded from the XXXX XXXX XXXX. He also had a letter that was addressed to me at a XXXX XXXX in XXXX that had been forwarded in the same manner. 
The package and the letter were from XXXX XXXX, something I had no knowledge of prior. Inside the package was a customer Order Summary which said {$660.00} was being billed to me, the order date was XX/XX/2018, I had completed a Credit Freeze and Fraud Alert on XX/XX/2018 with XXXX, XXXX and XXXX. 
XX/XX/2018 I called XXXX XXXX at XXXX, spoke to XXXX ( XXXX ) in Loss Prevention. XXXX said there was not a credit freeze when the order was taken, and six of the products had been delivered in two boxes, with XXXX  dropping them off at the XXXX XXXX XXXX, and the mail carrier had delivered them to XXXX XXXX XXXX. 
During that call I informed them that my identity had been stolen, and the account is a fraud. I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. 
That call was at XXXX for 40 Minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I had trouble getting this company to understand my hardship. I was in XXXX  for a period of time for a crime  that I did not commit. I attempted to negotiate before the account closed due to my absence, but they would not work with me and eventually it closed with negative debt. When I did get my legal situation sorted out, I was let go. Now, I have been working to get my vital credit accounts back in great standing to keep my credit alive and well. They have told me on several attempts that its their decision to close accounts for any reason. All I ask is that American Express work with me and open my account again while I pay the debt down to XXXX over a period of 5 months. Thats definitely negotiable in my eyes considering I have stable income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: GA

Complaint narrative:
Borrowed {$300.00} from XXXX. Set up payments for {$56.00} bi weekly. First payment started XX/XX/XXXX ans last payment is scheduled for XX/XX/XXXX. I am a resident in Georgia which I thought was a state that prohibited payday loans. So I should not have been distributed this loan or the interest should be capped at a certain amount. I dont feel like I should be responsible for this balance. I never received a copy of terms of loans besides the payment schedule

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In late XX/XX/XXXX, I got a loan to purchase a truck for my new business, get windows for our home and pay the balance off of my PNC Credit Card. At the time, I thought my balance was {$6000.00}, so that is what was sent to PNC. However, this left a {$37.00} balance that I was unaware of until I received notification from them of a past due notice dated XX/XX/2018. After calling customer service, I found out that {$66.00} in interest and late fees had been added, and we were turned into the credit bureau for late payment. However, we had never received a notice about a balance due prior to this. I was told by one Customer Service Representative that we were enrolled for paperless bills, which was untrue ... up until my loan payment, I always received statements. After a lot of back and forth, they did remove the late fees but refused to help with my credit score which dropped 30 points from them turning me in. I proceeded to file a complaint with the online customer service center of PNC online banking. I was called by someone two days later only to be  treated very rudely. The person told me a different story, saying the statements showing we had a balance were mailed out to the proper address, and it was my responsibility. Also, I had an online account therefore I should have looked to make sure there was no balance. Why would I look when I was under the impression it was paid off. What is the likelihood that I missed 3 bills from them? And this is completely different from what the first customer service rep told me. I have always paid my bills on time. I have a joint checking account with them with my wife, we both have credit cards, and I have a business account and credit card with them. Yet, they will not lift a finger to help resolve this unfair black mark to a credit score I have worked hard to keep in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: CITIBANK, N.A.
State: MA

Complaint narrative:
This is a transaction that was initially disputed with the citi card on XX/XX/XXXX however theyve not come to any resolution yet. Nor will they allow you to send in your proof as I was rudely told I couldnt send it in - when I asked today XX/XX/XXXX. 
The merchant in question is called XXXX They pretend to be a company in CA however they are really from XXXX. They pretend they have items on their website that are available- the items arent. I will be attaching reviews totaling over 2000 bad reviews and sites showing their scammers. They take your money and then they dont ship expedited shipping thats for sure and you dont get the goods bc they say theyre out of stock yet they dont put that on their website. 
I had called in regards to opening this dispute on XX/XX/XXXX however I told the man that they were owed XXXX but he told me he was going to put the whole amount of XXXX in dispute id is XXXX. 
Me and the merchant had gone back and forth through XXXX and the last they said was they would reimburse me for XXXX, XXXX, XXXX ( the XXXX and XXXX equal the XXXX ) youll see in their message through XXXX who did nothing bc I escalated it with citi card instead. However I still have that proof of what they were going to pay me plus they said any taxes - when I said I wasnt paying for expedited shipping bc my order never came expedited at all so they agreed to that plus any customs charge which I did not see getting billed to citi. Im attaching all that proof. Which means that I should be owed XXXX plus the XXXX in expedited shipping which never happened. They agreed to that. That means XXXX is owed to me XXXX to the scammers that citi card doesnt care about evidently. That would equal the whole amount of XXXX I was told to dispute. However Im only owed the XXXX. 
Please tell citi to rectify it ASAP its been long enough and they probably should do research on the companies theyre fighting for the customer for bc they would see these people are liars and scammers.

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 2019-01-05 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: Avant Credit Corporation
State: TX

Complaint narrative:
Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: CA

Complaint narrative:
Dear CFPB, I just reviewed my credit report on XXXX XXXX and found that there is an unknown hard inquiry made on XX/XX/2018 which I did not authorize. 

Please resolve this issue. 

Thank you for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Associates, Inc. (MO)
State: MT

Complaint narrative:
My husband had medical debts that went to collections. The collection agency went after me and reported these debts on my credit report only. I objected to them reporting it on my credit. I objected to to the fact that the collection bills come only in my name. We do not live in a community property state. The collection agency insists that the debt is my legal responsibility and that I have no recourse in this matter. This has damaged my credit score making me unable to buy another vehicle at a decent rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: TX

Complaint narrative:
XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on my credit reports.

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 2019-01-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: TX

Complaint narrative:
XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on my credit reports.

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 2019-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
I am a XXXX veteran and unemployed. My medical care is 100 % covered through the Veterans Administration. If I go to a veterans hospital it is not a problem. If taken to a non-va hospital, the hospital must contact the va for payment - which i have never had a problem with. 

On XX/XX/2016 I was taken to XXXX XXXX in XXXX to have blood sugar tested. I never got to intake at the hospital but a nurse did come out to test my blood with a glucometer. I was fine and left. 

I never received a bill. I figured they sent it directly to va IF there even was a bill. 

Over two years later Medical Business Bureau XXXX has made claim that I owe TWO bills for the single visit. {$450.00} and {$320.00}. 

1. Either and especially both are absurd. I was never intaked at the hospital. EVEN if I would have been, any glucose test is not that high and even if it were, it would be paid by va at a rate agreed between hospitals. 

2. I informed XXXX XXXX and now Medical Business Bureau to send bill to VA or send me correspondence and I would give it to VA. To date they have responded only by making two fraudulent claims for treatment ( which at best should only be one ) and putting both on my credit report indicating i have two medical bills in collections. 

3. Unlike other insurance i can not simply pay it and get a refund from VA. They must submit it to the VA for payment. I have zero control of the matter and it is the VA 's bill to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I disputed the debts and received bills. This is not sufficient validation.

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 2019-01-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
Upon checking my credit report I noticed a new inquiry from a company called WILLIAMS AND FUDGE INC. The company is reporting negatively and I have no clue as to who or what this  company is as they have not mailed, emailed, or called me regarding the debt prior to reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I disputed the debts and received bills. This is not sufficient validation.

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 2019-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
Gurstel Law Firm asked me to make an offer on my debt. I made one of {$10000.00}, which was ignored. I then made another offer of about 40 % of the debt due the original creditor, which I had settled a different debt at 40 % with. I informed Gurstel Law Firm that I expected a response to my proposed settlement within five days, or I would consider the debt invalid. I received no such response, and Gurstel Law has continued their lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I applied on Studentloan.gov for an income-based payment plan on XX/XX/XXXX. I received an email from Nelnet on XX/XX/XXXX indicating they received my application for income-based repayment plan from Studentloan.gov. I am still waiting to hear from Nelnet. They already got access to the IRS for my XX/XX/XXXX tax return. Why are they dragging their feet? At present, the current monthly payment is {$2100.00} per month. I can not afford that. If Nelnet refuses the modification of my payment, I will be forced into default. During XX/XX/XXXX, my income was reduced because my full-time employment ended ( see attached ). I attached my last paystubs for XX/XX/XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: OH

Complaint narrative:
Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, Equifax, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation