vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed that Carter Young Inc had placed a collection on my credit report for {$170.00} medical bill from XXXX XXXX XXXX XXXX. I had previously attempted on several occasions to get XXXX XXXX XXXX to acknowledge payments I submitted to them in relation to my account and they failed to do so, resulting in them turning over my bill to Carter Young Inc collections. I called Carter Young Inc on XXXX/XXXX/XXXX and spoke to XXXX XXXX to explain that the balance owed is showing incorrectly and that I would like it fixed and then would like to offer payment to delete it once fixed. XXXX advised me to submit proof of payments made to XXXX XXXX XXXX so he could take care of the situation and update the correct amount for me to pay. As requested, on XXXX/XXXX/XXXX I emailed confirmation of a cleared front and back copy of a check that XXXX XXXX had received from me and cashed and also a copy of my bank account statement showing where I swiped my card in the office for another payment on a different date. On XXXX/XXXX/XXXX I received a reply from XXXX XXXX confirming receipt and that he would forward my documents to his client for review and get back with me. Over 30 days has passed with no response so I sent another email on XXXX/XXXX/XXXX. I still have yet to receive a response..I have also disputed this information online with XXXX twice and they have responded that Carter Young has verified this information to be correct but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: TN

Complaint narrative:
I recently checked my credit report and noticed that this company has reported a debt that I have paid to another collection agency. It was paid to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I live in the State of Connecticut. I Received an American Express Serve Card as a gift on XXXX XXXX XXXX for an amount of {$150.00} I did not use the card. Today XXXX XXXX XXXX I went to check the Balance and it is {$95.00} I contacted the company and they said that they had the right to charge me a monthly service fee of {$4.00} starting 30 days after purchase of the card because I did not register the card. They said if I had registered the card the monthly fee would have been waved.But no where on the card does it say that. I thought that in the state of Connecticut they could not charge a fee for the first XXXX Months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have an account on auto pay with XXXX XXXX through my bank XXXX XXXX XXXX XXXX XXXX charged my account twice. The second charge was unauthorized and there was no money in my account but Schools First Federal Credit Union went ahead and paid the amount withdrawing the money from my savings account just to charge a {$22.00} fee. I did not authorize the credit union to pay overdrawn checks from my savings account nor have I signed any papers to authorize this but they are all in cahoots, help each other scam people and charge fees. In the mean time XXXX XXXX says they have cancelled the second transaction but 3 days have passed and the money is not in my account. 
These thieves give me the run around blaming each other and I am out of {$380.00} plus {$22.00} and the harassment from them and am now in dire straits.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Over the past few weeks the credit card company has called me numerous times throughout the day. They will not leave a message so that I can return the call when i am not at work. Also, when I have been at work and picked up the call the people on the other end are just rude. I have requested for them to not contact me during me work hours, which are generally XXXX, and of course I get the response " well if you would handly your debit we would n't be calling you. '' I have no problem explain the situation and working through to pay off the debit that I owe but my job does not allow us to use our personal phones while on company time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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:
Equifax delete the positive accounts from my credit reports without my knowledge or any consent to do so. These accounts have not been on my credit 10 years for them to be deleted them off. I called to asked them why they were deleted and they told me that the creditors asked them to delete them. That 's just so strange to me because these accounts are still on the other 2 bureaus and if that was the case they would have been deleted by the other 2 also. I asked Equifax to put these accounts back on and they told me that they could n't that I would have to contact the creditors to do so. I do n't think I should call the creditors when they should have never been deleted to begin with. I have been for a couple of years trying to get the bad debt removed and they are keeping it on way past statute of limitations in Texas. But will delete the good debt. My score dropped so low that I wont ever be able to get any credit to start over. Attached is the score difference between Equifax and XXXX after Equifax deleted my positive credit. Over a 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On information and/or belief, USAA is re-aging and/or falsely manipulating at least two of my former credit card accounts. [ 1 ] XXXX reporting as closed XXXX XXXX and XXXX 2 XXXX XXXX reporting as closed XXXX XXXX. 

PREVIOUSLY I reported to this body that USAA closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

PREVIOUSLY USAA reported to this body that they had closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

NOW USAA is reporting both accounts [ CLOSED XXXX XXXX XXXX. On information and/or belief, this is deliberate fraud on the part of USAA and in violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: CA

Complaint narrative:
On Tuesday, XXXX XXXX, I contacted a debt collection agency to inquire more about the debt that I was being billed for. The total was XXXX. 
I placed the call from my office phone - this line is a blocked caller id line. I found out the information I needed and ended the call. A few minutes later, a call came into the office line and a person was asking for me. They identified themselves as an agent from the Collection company that I was speaking to a few minutes ago and stated that they believed the call was cut short and wanted to collect the debt at that moment. 

I was shocked and embarrassed to receive a call like that into my place of work. I was also shocked that they traced a blocked number and redialed it. I had never disclosed the phone number I was calling from. And the call was completed before I originally disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: NC

Complaint narrative:
The XXXX XXXX XXXX XXXX is reporting a lien on my XXXX and Transunion credit reports. I went on the XXXX XXXX XXXX XXXX 's website and searched my last name to see if it was any information, there isnt.

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 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A computer glitch that was Transunion 's probelm, not mine, caused my inquires to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days  prior to them re-adding them. 
I contacted TransUnion on XX/XX/XXXX in good faith to ask them to delete the inquiries that they illegally re-added. I spoke with XXXX, and he denied my request for the inquires to be deleted. I spoke with him at XXXX. He denied that this glitch effected me and he will not be removing the inquires. I understand my rights and legal protection. I also understand that when TransUnion had this glitch in XX/XX/XXXXand XX/XX/XXXX, it effected EVERYONE. 
These inquires added a hardship to my credit and my rights have been violated by TransUnion. 
Can you please help me from being victimized by TransUnion?

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 2017-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Contacted Transunion about being a victim of there inquiry issue. I have inquiries on my report they added which isnt mine and they refuse to help me saying I wasnt a victim.TransUnion failed to follow the LEGAL procedure to add inquiries to my 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 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America lied to me to foreclose on my home told me they wouldnt foreclose I have a document with phone numbers and dates of everyone I spoke with who said they would not foreclose the very next day they foreclosed anyway even though I was in bankruptcy

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 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase closed all of my credit card accounts after reviewing my credit report. They said I have too many new accounts opened and too many recent inquiries, even though almost all of my new accounts shown are authorized user accounts on which I am not the responsible card owner. I have never defaulted or missed a payment with Chase or any other bank and I never carry a high balance on any credit card. I also have {$15000.00} in a Chase savings account and an auto loan with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I had already submitted a complaint with XXXX XXXX. In response to the first complaint, I received a letter from Bank of Texas ( see attached ), that the 30 day late reporting on the mortgage, had already been corrected. The letter was dated the XXXX of XXXX On the XXXX of XXXX, I had my mortgage company pull a new credit report, however the XXXX day late reporting in XXXX of XXXX is still reporting. 

So I went to an actual Bank of Texas branch here in XXXX XXXX with my realtor. The branch manager said she could n't help us and that I needed to call the number on the letter. My realtor asked her if she  could just show some sympathy and help us with the situation, it would be greatly appreciated. The branch manager responded with sarcasm that she could n't help XXXX while rolling her eyes XXXX. So we left and on the way out, were stopped by Security, who in turn informed us that we were banned and no longer welcome on the premises. We were shocked. We did call the number once we left, but it stated that the number was incorrect. When you call XXXX ( which is the number on the bottom of the letter from Bank of Texas, see attached, it gives a message that - the number has been disconnected ) So we have no idea where to go from here? The local branch is refusing to help us and has banned us from ever going there again and the only number we were given from XXXX XXXX, XXXX XXXX on the letter ) is disconnected. 

This is the only thing that stands between me and buying a home. My husband is 100 % XXXX Veteran and our current living conditions are not sustainable for his long term needs, so we are desperate to get into a home. 

We are only asking for Bank of Texas to right a wrong. The 30 day late should never have been reported, and I just feel that Bank of Texas is not really being responsive or actually correcting what they stated in the letter was already been corrected. 

Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: GA

Complaint narrative:
On information and/or belief, XXXX is re-aging and/or falsely manipulating at least two of my former credit card accounts. [ 1 ] XXXX reporting as closed XXXX XXXX and XXXX 2 XXXX XXXX reporting as closed XXXX XXXX. 

PREVIOUSLY I reported to this body that XXXX closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

PREVIOUSLY XXXX reported to this body that they had closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

NOW XXXX is reporting both accounts [ CLOSED XXXX XXXX XXXX. On information and/or belief, this is deliberate fraud on the part of XXXX and in violation of FCRA.

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 2017-10-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have requested that USAA work with me in order to consolidate two credit cards which they unilaterally closed back in 2013 ( @ ). USAA is charging double digit interest and has refused to consider any form of consolidation to allow me a lower rate, a lower monthly payment and/or any other consideration. 

Due to extended medical issues and USAA 's unwillingness to work with me PRIOR to getting behind, I now find myself 2x Months behind and unable to catch up. 

I personally spoke with USAA representatives who said, " Unfortunately XXXX XXXX, USAA is not interested in lowering your interest rate and we can not consolidate your cards. USAA would not consider rolling the credit card debt into a personal loan that would allow me to quickly address and retire the cards. 

NOW, due specifically to these two cards and USAA 's unwillingness to consolidate, lower interest rates or provide alternate avenue of repayment my FICO score has dropped from well over 700 to XXXX and I can not qualify for any form of reasonalbe consolidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Online system for Experian gives this as a response upon requesting my report : " A condition exists that prevents Experian from being able to accept your request at this time. '' Happened today, and XXXX months ago as well when I tried to get the same report.

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 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Earlier this year ( XX/XX/XXXX ), I checked my credit and noticed that there was medical bills on my report from XXXX in XXXX XXXX. I have since moved out of that state to XXXX. The medical bills that were reported to my credit report should have been taken care of by XXXX XXXX XXXX. I checked with them and they said they paid what was given to them but the doctors billed me separately. I had no idea they could do that so I was never aware that these bills had been generated. I have called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) numerous times with no help whatsoever. I have asked them for more information such as what the bills were exactly for and how the doctors can bill me separately. They offered no information and all they kept repeating was that I had to call the collection agency. I called the collection agency which told me all they can do is take payment on the debt, nothing more nothing less. I returned calling XXXX XXXX XXXX XXXX XXXX XXXX and they still would n't give me anymore information about the debt. All they do is keep giving me the collection agency 's number and then will hang up on me. I have repeatedly asked to speak to a manager or supervisor at which point they say no one is available, put me on hold forever or hang up on me. This has happened numerous times and when I leave a message no one returns my call. I have never spoken to a supervisor and completely get stonewalled by anyone at XXXX XXXX XXXX. This has been going on for quite some time. Last week, XXXX XXXX was the last few times I tried getting information from them again. Any answers I have are not from them but from XXXX XXXX XXXX ( XXXX  ) which was kind enough to look up my account and provide what little information is available to them. XXXX has let me know that they also made payments on the disputed XXXX ER visit and have no idea how they were able to bill me separately. There are 8 different bills that XXXX XXXX XXXX has sent to collections regarding this XXXX/XXXX/XXXX XXXX ER visit. 1 ) {$830.00} 2 ) {$300.00} 3 ) {$300.00} 4 ) {$180.00} 5 ) {$180.00} 6 ) {$160.00} 7 ) {$160.00} 8 ) {$100.00} which totals {$2200.00}. I have no idea why some amounts are doubled and two are not. This is severely hurting my credit and I have no idea how to get this resolved since the XXXX XXXX XXXX keeps stonewalling me in the process. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
This company which I hold NO CONTRACT with nor have received services from is reporting a collection account against my SSN in the amount of XXXX with XXXX, XXXX, XXXX XXXX reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation