vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Medicredit, Inc. has called me from XXXX and hangs up after a recorded message. I performed a reverse telephone number search and saw they were a collection agency. The Medicredit invoice/statement just came in the mail, dated XX/XX/2019 and they have already started harassing phone calls 2 days after mailing, much sooner than the 30 days before their due date to respond. I called them back and I told them that the medical bill that has the same total amount due has been paid and if they contact the creditor agency they would confirm the bill has been paid, but they refused to talk to me unless I reply back to their questions that involved very personal private information that would allow IDENTITY THEFT under the guise that they needed to verify who they were speaking to. I refuse to give out such private protected information over the telephone, especially to anybody I do not know. The Creditor Name and Creditor Account number do not match the doctor 's office bills ... so evidently they also do not keep good clean records. 
PLEASE address this issue of their hang-up calling to bait people into calling back, and their requesting very private personal information that easily could be used for Identity Theft. Their agent on the telephone got to the point of rude verbal harassment, so I just hung up.

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 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
I am writing because as a client of XXXX XXXX XXXX, XXXX. and Quality Loan Service Corporation they claim to be able to have the right to foreclose by the California Declaration ( Civ. Code 2923.55 XXXX b ) ( 2 ) ). Their reason for this decision in the letter happened because they have already contacted the borrower to assess the borrowers financial situation and to explore options for the borrower to avoid foreclosure in accordance with the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ). However, prior to this letter I, the client, XXXX XXXX XXXX have sent out three previous Request for Mortgage Assistance Applications to XXXX  XXXX XXXX, XXXX, and Quality Loan Service Corporation in the result of having the only option to Short Sale. These Request for Mortgage Assistances which I have sent out in the past have also contained all of my contact information needed to be able to discuss the matters on my current finances, which concludes that there is no excuse to the absent amount of information needed to contact me on such matters. To conclude, the letter of California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) is in short, void because XXXX XXXX XXXX, XXXX, and Quality Loan Service Corporation was able to make initial contact with me and explore more options with me, XXXX XXXX XXXX from the time I sent out the first Request for Mortgage Assistance. 

Also, the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) they used was signed and dated on XX/XX/2019, which can not be used for my current Notice of Default which is dated XX/XX/2019. Therefore meaning, that both documents together are not legal and are void to continue forth with the procedures of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/19 received a form letter from Equifax repeating the script that i need to send in additional documents ( drivers license, social security card ) plus lots of personal identification information ( name, current and former addresses, date of birth ) to find out if i have an existing freeze on my Equifax credit account. 

I SHOULD NOT HAVE TO SEND THEM THIS INFORMATION TO FIND OUT IF I HAVE A CREDIT FREEZE IN PLACE. 

I have repeatedly tried to call them to resolve this. I have repeatedly tried to get access via online access. All attempts cause you to enter lots of information and then just end up saying they need more information and i have to mail in my personal information before they will provide any information. 

These is something very wrong in the way Equifax is operating. 

I would appreciate anything your department could do to get me through this obastacle. 
Sending my complaint to Equifax only ends up with the exact same result : a letter saying i need to send in my personal information. Information they most assuredly already have as I have had information there for decades!!!!! 

I ( and the public ) need more than a pass the buck response from your organization to get Equifax to provide the service the public needs to protect their personal information and to identify where they stand at Equifax, considering the role Equifax plays in the financial environment. Passing the buck back to the individual to mail sensitive personal information through the mail is unacceptable and improper way to serve the individual. 

I am extremely concerned that the other 2 credit bureaus have my info and i can access it. I am concerned that Equifax suddenly can't provide me with this information, especially after their identity info breach. I am concerned they say they can't identify me when i provide sufficient personal info ( online and on the phone ) and then say i have send sensitive personal info thru the mail to them. I am concerned about just why they can't identify me and just what info they may have on file that is causing this problem. i should not have to mail them personal information to resolve this!!!!! 

If your organization can't help fix this type of thing, I'd appreciate it if you would please advise who else in the government might be able to fix this mess! Equifax caused the problem in the first place and making it even more difficult to secure my information is definitely not helpful in resolve their mess! They need to be held more accountable for assisting the public, especially after the mess they have caused for us. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: NJ

Complaint narrative:
Everyday for almost 2 weeks I have called TransUnion to request that all non medical collections accounts in dispute status by myself, to have my dispute removed. Everyday they say it is done. The next day I call to confirm just before the lender pulls my credit and low and behold the disputes are still there. New inquiry old dispute. I call again. Repeat this cycle for 2 weeks. My score has dropped double digits during this time only with Transunion. I am begging for help. Im so unsure as to what I need to do to be successful with 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 2019-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NC

Complaint narrative:
On XX/XX/XXXX I tried to make a payment of {$1000.00} on my NJClass ( HESAA ) loan. At the time I did not realize that I had two bank account profiles one being my joint and the other which I always use. The payment went to the joint instead of the correct account and I noticed this because the payment was still in my account so once I recognized this I logged on to NJClass and deleted the incorrect bank profile and resubmitted to the correct account. I noticed the money was still in my account so I logged on again and saw that my payment privileges have been revoked. So I called to try to pay and was told I cant make a payment over the phone and would have to appeal to have my payment options reinstated. I emailed them and havent gotten a response back. Meanwhile my loans are collecting interest with NO possible way for me to make a payment. Ive been paying on these loans since XXXX. I have paid off several loans 3 of  them were paid off this year and two totaling XXXX were paid off in XXXX. They are collecting interest and not allowing me to pay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: First Data Corporation
State: CA

Complaint narrative:
I am try to pay with using checks with merchant and always get denied my checks, XX/XX/XXXX - XXXX XXXX XX/XX/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 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc.
State: MI

Complaint narrative:
Received a letter from Golden Valley lending of XXXX XXXX XXXX California stating that I had taken out a loan and that said loan was in default and that I needed to make a payment or they would turn it over to collection. They also claim that they had sent other letters to me that I ignored Letter also stated that if I didnt contact them within 30 days they would consider this loan as valid. After numerous attempts to resolve this issue without disclosing my personal information I feel I must turn to you for help. I dont feel that I should reveal my social security number to a company that Ive never heard of let alone done business with

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Autopay was set up, the {$500.00} card is paid in full, not sure why late payments are showing on my account and it was closed. I would like these late payments to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I checked my Chase Bank Military Checking Account and Notice a {$340.00} deducted from my checking account in which there was only {$83.00} in my account. 
I made contact with IRS Tax advocate Ms.XXXX on my payment modification of {$180.00} a month in which is under review by IRS Administration. 
Payments of {$340.00} shouldn't have been deducted on XX/XX/2019 and overdraft fees shouldn't have been implemented. 
IRS Tax Advocate is working on my behalf on IRS Payment arrangements of {$180.00}. 
She can be reached art XXXX. 

Once IRS agrees on payment modification of {$180.00} than funds will be available on my Checking account.ending # XXXX, on XX/XX/2019. 
I am XXXX XXXX and Retired. 
I am on a fixed income. 
Very Extreme Urgent Matters!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
On XX/XX/2015 I signed a lease on a XXXX XXXX XXXX. When talking to the finance manager I understood that my total price with all fees and included would be {$58000.00} in total. I also understood that I would be putting {$20000.00} which would include {$20000.00} down {$600.00} taxes and {$290.00} first payment. I also understood I would make 48 payments of {$290.00} that would total {$13000.00} which included {$7600.00} in that total for depreciation. So added with my {$20000.00} plus {$13000.00} my total I would have in this vehicle would be {$35000.00}. When I asked the fianc person how much I would have left at the end of my lease the finance person told me about {$25000.00} dollars. My total in was {$35000.00} you subtract that from {$58000.00} dollars you are left with {$23000.00}. So Im thinking this is great I can pay cash for the car at the end of my lease. Now Im at the end of my lease I found out from gm financial P.O. XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX that my payoff is {$31000.00} and the finance guy obviously lied to me. This total which would be {$35000.00} that I have already paid plus the {$31000.00} they want me to pay would make the vehicle {$66000.00}. This total is know where in the contract? I was furious when I found out I started emailing XXXX XXXX the Ceo of gm XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX tel:XXXX. I got a response from gm financial they were no help. Then I got a phone call from XXXX XXXX XXXX Executive Resolution Liaison Phone : XXXX extension XXXX. They were no help standing by the company even if there wrong. They also put me in contact with XXXX financial director from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX. He was the same way not willing to look at the mistakes that have been made. In my contract I just learn the money factor should of been listed how they got the residual value it wasnt told to me and isnt listed on the contract. I have tier 1 credit and was told my residual value shouldnt be this high. Also on XX/XX/2015 I was sent a notice my contract wasnt right and no need to do another contract. In my contract listed on line 20 it plainly states that any changes a signature by me an the dealership must be in writing. Which they didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Initial line of credit was in the amount of {$34000.00} in XXXX and interest only. In XXXX I requested a modification for a fully amortized loan and the payment was {$220.00}. An automatic bank draft was set up and payments have been deducted since. The loan balance is still at $ 32,000.00+ after 14 years ( unbelievable ). Because of the {$32000.00} balance, the payment has slightly decreased over the years to {$100.00}. Fifth Third Bank has been applying the remaining {$120.00} to interest as opposed to the principal. This was not authorized by me and I assumed that the remaining amount of the payment would be applied towards to the principal as this has not been an interest only loan since XXXX. This is usury, unethical and illegal. I do not have $ 120.00+ each month to pay interest on a loan that interest is already been paid. Are they charging interest in advance? I am a senior citizen and this is unreasonable and unfair. I have now paid over the amount of the initial loan, but yet, I still owe {$32000.00} after 14 years and was told that the loan should be paid off in XXXX. You do the math, I don't think that I'll be around in XXXX. They have taken advantage and something needs to be done. If you can't do anything, I am going to continue until someone can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington bank is the most negligent, cold, bankers in the country!! 
They have locked my debit card twice in 3 days!! 
And refuse to call me back on this! 
I had to order somthing on line, and it was blocked! 
They did not disclose this to me through a message on my phone at all! 
I had to go out, use gas, buy a pre paid mastercard which has a fee, and they refuse to pay for the fee!! 

I absolutley can not trust them anymore, and will be finding another bank. 
I have been with them for over a year, and now this is happening. I can not ever know when i can use the debit card?????????????? NOT!! 
They can go fly a kite! 
They are actually commiting fraud on my account, and locking all of my money in it!! 
Their executive office had better return calls, and they arent!! And they better pay for all the fees I had to pay to buy a pre-paid mastercard.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am try to pay with using my paper checks and always get denied even I have a fund availability XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX ( Denial Record # XXXX ) Every times I called your call center and they said my account active and ready to use.and they transferred XXXX department and they saying that my account don't have a funds. 

I am so tied and dealing with issue.Please fix this issue Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: NY

Complaint narrative:
As of the past week or so I have been getting letters from XXXX XXXX saying I tried to open up some account from there which I never did. This 100 % fraud and were not authorized by me. 

Actions I took was t called XXXX XXXX  directly and under the fair credit act for them to show me something I signed that would give them permission to look up my file. They had refused to show me any proof and sent me letters saying about applications I have no idea about. I even called there fraud department and explained I had not applied for anything from there bank. I would like this removed from my XXXX and equafix file as there was never any inquiry made by me to XXXX XXXX. 
. 
You guys can feel free to call me to further discuss. I'd be more than happy to answer questions. Like I had said earlier when I asked them to show me proof they were very rude on customer service and were like you did this over and over when I had assured them I did it and had no clue as to what they were talking about. I would just like this deleted from my file as it was not done by me. 

The date of the inquiry I am looking to have removed I believe Is dated XX/XX/19 as it has not yet appeared on my XXXX XXXX. But from there letters that seems to be the date which was clearly fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
On XXXX XXXX at XXXX XXXX California time I made contact with Prestige Financial Services Administration Mr.XXXX XXXX, Mr.XXXX XXXX and XXXX XXXX in regards reducing my interest rate under 17 % and my Auto Loan under {$440.00} to {$330.00} a month. 
I can make affordable payments of {$330.00} only as my Financial Hardship has  arise and the cost of living in California doesn't make it easy. 
I tried selling my XXXX XXXX XXXX XXXX that I purchase in XXXX, Texas in XXXX for {$22000.00}, but the value has decreased and Prestige Financial Services wants the whole balance amount of {$18000.00} paid. 
Vehicle is in excellent as I put lots of money to repair mechanical issues, when I purchase on XX/XX/XXXX at XXXX XXXX XXXX in Texas. 
Nobody in the State of California and America will not buy this vehicle from me for {$18000.00}, it only has XXXX miles and well maintained by me as I do n't drive that much. 
I just turned XXXX years old. 
If Prestige Administration will not reduce my payments to {$300.00} to {$330.00} a month and lower my interest of 17 %. 
I will give the vehicle back to Prestige. 
I am XXXX XXXX and Retired. 
I can only make payments of {$300.00} to {$330.00} a month. My Financial Hardship is Permanently just like my XXXX XXXX. 
There is a payment due on auto loan on XXXX XXXX for {$440.00} in which I am not able to pay, but I can pay {$330.00}. 

This is a very Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: TX

Complaint narrative:
There is an account on my credit report that does not belong to me. I have contacted the credit reporting agencies multiple times via certified mail, online dispute, & dispute with a live agent. The account in question is for {$1500.00} from XXXX XXXX. All I keep getting back is verified account by all 3 credit bureaus without any proper documentation of verification. I have called the reporting company in question and they promise to show me proof that the account belongs to me but have not done so in the last year. XXXX XXXX even told me the system they use verifies my data and that's how the account is verified with no actual work done or paperwork show to prove that it belongs to me. I have even been ignored and hung up on my credit reporting agencies employees.

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