vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
First off I mailed all information showing I did not live at XXXX XXXX XXXX wv. I sent everything Equifax requested for a debt that was not miNE The address is still listed. Next I sent in complaint about accounts being re added to repors. Everything in my consumer complaint i mentioned. Equifax added it as a person quote thing on my credit report for potential creditors to see, I did not ask that it be added. Equifax has completed your dispute for Confirmation Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc.
State: NY

Complaint narrative:
My wife XXXX XXXX was in XXXX XXXX Hospital from Thursday XX/XX/XXXX through Sunday XX/XX/XXXX. Without our request, the hospital admitted my wife to a semiprivate room on the XXXX XXXX. My wife is not a child ( DOB- XX/XX/XXXX ). We disputed the {$300.00} co-pay for the semiprivate room with the hospital with XXXX last name unknown on XX/XX/XXXX and XXXX last name unknown on XX/XX/XXXX. Both of them promised us a response from a supervisor at the hospital. We got no response. Instead we got a collection letter from Receivables Solutions , Inc,  XXXX XXXX XXXX, XXXX, South Carolina XXXX. 

We should not have to pay for a semi private room on a children 's ward that we did not request. Only the geniuses at XXXX XXXX Hospital can explain how my wife was placed in this room. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I opened an account with Coinbase a US company and purchased a digital currency called XXXX and XXXX, I am a XXXX based Citizen and Resident. I viewed my account whilst travelling with my employer an international Airline to a country ( XXXX ) where I was staying for. Few hours at the Airport hotel. Then suddenly and without warning Coinbase froze my account and funds. I did not make any transactions just viewed the value of my account as one would with any other financial foreign exchange account. I have sent ID such as bank and passport details and have contacted Coinbase on many many occasions with just a computer standard response, please advise as there actions are very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dyck-O'Neal, Inc.
State: ID

Complaint narrative:
I am selling my house to my ex-wife, XXXX XXXX. When she was ready to close a 2nd mortgage popped up that I had not seen or heard of for 10 years. XXXX XXXX XXXX was the 2nd loan I had orginally taken out to purchase the house. When they went of business I assumed that XXXX XXXX  took over the 2nd loan since they had taken over my 1st loan. I did n't receive anything from any other bank and currently nothing. Eleven years have passed since then and another lender took over for them in the mean time ... XXXX XXXX. I do not have this 2nd loan showing on my credit report. I 've spent 3 weeks trying to find out who assumed that second loan. There 's nothing on the title and no one could help me. My ex-wife finally order a title report and she emailed to them. She is showing on the deed only, not on any of my loans. They told me after a few days that the loan had been sent to collections with Dyck O'Neal Inc. I called them and spoke to a representative named XXXX. He told me that they had it. It had been there for 10 years. It had accrued interest in the amount of {$14000.00} plus the XXXX that was owed. Then he asked how much the house appraised at and how much money my ex-wife was getting back. Then maybe they would consider removing some interest? She was only approved for the original balance. I do n't think this is right. I feel that since they made no effort to get a hold of me and it was n't showing anywhere on my credit report or with the county on the title that that 's not legal. I 've exhausted every avenue and want to get this over. I also believe that the 2nd loan was charged off. Thats why it 's not showing anywhere?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: MSW Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX IS THE ORIGINAL OWNER OF THE REPORTED ACCOUNT. THE ACCOUNT WAS SECURED WITH THE TITLE OF MY XXXX XXXX XXXX XXXX. MY VAN WAS TAKEN AND MY TITLE NEVER RETURNED TO ME. XXXX OBVIOUSLY SOLD THE ACCOUNT AS A COLLECTION ACCOUNT NEVER DISCLOSING THE FULL DETAILS OF THIS ACCOUNT TO 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 2017-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I have been submitting revised tax bills via email to Freedom Mortgage since XX/XX/XXXX. I have repeatedly requested a new analysis to lower my payments. Despite repeated attempts in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I  continue to be promised they will review. The difference in my payments is {$300.00} per month lower e. ffective XX/XX/XXXXThey have also submitted the overwitihheld tax to the local tax authority. I am on the phone again today and am being told the best they can do is schedule this for XX/XX/XXXX. Can you please help me get this mess with Freedom straightened out? Thank you, XXXX XXXX XXXXXXXXXXXX XXXX Loan # 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 2017-08-19 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: MO

Complaint narrative:
I 've disputed a XXXX XXXX account ( # XXXX ) on my credit report twice with Equifax because its inaccurate. The account continues to report after the statue of limitation. Equifax insisted that the account is reporting correctly. I was advised by Equifax to contact XXXX XXXX  directly to resolve this problem. I 've attempted to dispute this account with XXXX. I spoke with a manager in the credit card department by the name of XXXX ID # XXXX onXX/XX/XXXXat XXXX and she stated the account has not been reported by XXXX XXXX since XX/XX/XXXX and that there was no information she could provide because the account has been past the statue of limitation. XXXX  advised me to dispute this issue with Equifax. In conclusion, I am stuck with no resolution. How is Equifax reporting this information accurately when the account holder can not be provided with any information? I requested proof of validation from Equifax and I 've yet to be provided with any documentation. I am requesting that this account is deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I have had my Chase Freedom card since XXXX. After paying both my husband 's bill for his Chase Freedom ( he has had since XXXX ) and mine, I noticed that I pay 25.24 % and he pays 13 % in interest. We have been married for 30 years and I have a credit score of XXXX. Just a bit higher than his. I called to say that I felt that my interest rate was too high. That I was a good customer and that it should be similar to my husband 's rate. My rate is higher than that paid by those with bad credit! I was told I have no recourse. How can it be fair that I pay DOUBLE what my husband does? I feel this is discriminatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I was recently summons to court by a company called Wakefield and Associates Inc. XXXX XXXX XXXX XXXX. XXXX no XXXX. I asked for a continuance to hire an attorney because they are violating the fair credit reporting act law and I have legal right to counter sue. I do not owe Wakefield and Associates. I have not received any communication by phone by wake field and associates other than a court official saying I have to go to court for them. I also like to make note that I have been a victim of fraud which is why this is necessary. I also like to make note I have filed Bankruptcy in XXXX and all medical bills were included. And was informed all debt collection activity must cease.

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 2017-08-19 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: UT

Complaint narrative:
Good Morning - I have been a chase customer for several years. I have a checking account and different credit card products. Last week on XXXX, I logged into my account online and found the following message on all my accounts. " Your account is closed and no longer available for use. If you have a balance remaining on the account, please continue to make monthly payments by the due date. '' I was in a huge state of shock and called customer service immediately. They were of no help. They said they could n't provide any details and refused to discuss further. I received a letter on Thursday ( XXXX ) which did n't have much information either. They have closed my checking account and the reason they provided in the letter was " After a recent review of your accounts, we have decided to end our relationship with you. ". There was another page attached which said that they have closed all my credit card accounts because of the following reason " After careful consideration, we decided to close your credit card accounts in XXXX XXXX XXXX, because our affiliate is ending its banking relationship with you. '' I am very concerned that this will cause my credit score to go down due to the number of credit card accounts I have with chase. The average age, number of accounts, credit utilization is all going to be affected and cause problems to my credit report/history due to this. And I am also disappointed that I have been using Chase as my primary credit card for several years. It has been a stressful last few days due to the concerns related to my credit report and also that I can longer have the benefits of having Chase cards. This is even going to affect my travel plan for next month. I am deeply disappointed that this has happened. I would like to get some help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
I have paid my student loan for over 7 years, month in, month out reliably and without issue. I logged on to increase the amount of my Direct Debit payment to send them even more money on a monthly basis ( {$200.00} ), well above the minimum amount ( {$180.00} ). I received a confirmation from them that the Direct debit ( automatically drafting my bank account ) was adjusted correctly, on XXXX XXXX. Then, the day after my payment was due, on XXXX XXXX, I logged on to ensure that the additional amount over the minimum was pulled form my bank account and correctly applied to my fed loan servicing account. I logged on and was immediately informed that my account, which has been paid consistently on time for over 72 months, was delinquent. FED Loan Servicing decided, in their infinite wisdom, to go ahead and make the executive decision to not honor my standing instructions to pay anything towards my loan that month, even after I received a confirmation that the direct debit status was active on XXXX XXXX  They sent me a confirmation in writing that a certain amount would be debited from my bank and paid towards my account yet they did not honor my standing instruction to do so, even though through their own admission, this request was received in good order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: ME

Complaint narrative:
OnXX/XX/XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a thousand dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been Phoenix Financial Services LLC but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from Phoenix Financial Services LLC, representing XXXX XXXX XXXX XXXX who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. XXXX XXXX XXXX XXXX 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX Phoenix Financial Services LLC is asking me to pay them {$XXXX} which is likely the original bill for the ambulance. They have sent me two paper debt collection letters, one in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the continental U.S. due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC
State: NJ

Complaint narrative:
Shortly after re-structuring my monthly mortgage payments, I received a notice without warning or explanation indicating that my mortgage would be increased by approximately $ 400 monthly due to an adjustment in my escrow account. TruHome Solutions could nt explain why my escrow needed to be adjusted as neither my taxes nor my home value had changed. During this process I renegotiated my insurance premium and used the difference to pay off the shortage in my escrow as reported by TruHome Solutions, however, I had still not received an explanation for the drastic increase. After making payments and paying down outstanding escrow balance, TruHome reported that the reason the escrow was raised was because I missed a home owners insurance payment and they were forced to make the payment for me. I indicated that this was absolutely false and requested a refund of my lump sum payment as well as adjustment in my monthly payments back to the agreed upon re-structured monthly rate. Additionally, I noted that during the process of reconciling my mortgage balances, that TruHome inaccurately reported my mortgage late with credit reporting agencies. I 've asked repeatedly for this to be addressed as well to no avail. TruHome has repeatedly demonstrated irresponsible handling of my account, erroneous reporting, and mismanagement resulting in a devastating impact on my credit rating..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXX I took a loan for {$1300.00}. Not fully understanding the XXXX fees and called they made it seem as if it would be very easy to repay back. My interest is at 680.130 % which will make it impossible for anyone to pay that loan off. The interest is curriculum on daily which the total would be at the end of loan {$4400.00}. That is clearly ridiculous for a short term loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I received a past due letter from Loancare that they had not received my XXXX XXXX payment. I called them on XXXX XXXX, XXXX and explained to them that I payed the XXXX payment through XXXX XXXX on XXXX XXXX, XXXX and it was delivered to them on XXXX XXXX, XXXX in the amount of {$2300.00} with the status on my statement as paid. The woman that I spoke with put me on hold and returned to the call telling me that in fact they did receive the payment and it would be posted at mid-night that same day XXXX XXXX XXXX ). I asked her if I would recieve a 30 notice and she advised me that she did not know. I explained to her that I am in the middle of a refinance and I can not have a 30 on my credit. Especially since they did receive it on or around XXXX XXXX. On XXXX XXXX, XXXX, there was a message on my phone to call Loancare. I called them the morning of XXXX XXXX, XXXX and they stated that they did not receive my payment for XXXX. I informed them that I payed through XXXX XXXX on XXXX XXXX, in the amount of {$2300.00} and the payment was delivered on XXXX XXXX with the status paid. They told me that I needed to send them a copy of the statement showing it paid to XXXXXXXXXXXX. I sent the a copy on XXXX XXXX. I told them that I am in the middle of a refinance due to close early XXXX. I also told them that this has now happened two months in a row. I asked them if they are going to charge me a late fee for this in which they would not answer. I also asked them how long is this research going to take and they said 5 - 10 business days. I found out that I have accrued over {$600.00} in late fees from the time they took over the loan in XXXX. I do n't think that I owe this. I am very concerned about the fact they say they are n't receiving my payments. I have been paying the same way, through my bank since they took over the loan and there has NEVER been a problem until now. I find it interesting that this has occurred only recently as I have been in the process of refinance. I have copies of the bank statements and the letter received last month for the non payment. Please help. 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 2017-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: MD

Complaint narrative:
I have received two phone calls that I answered ( there may have been other calls that I did not answer or we were not home for, but I answered twice ). The first was approximately 3 weeks ago to my home number, the second to my work cell, so clearly they are targeting me as while not hard to find, it took some research to find my work cell. The call was the same each time. 

It was a male voice, they identified themselves as calling from the Revenue Group ( XXXX ), which can be found online at : http : //revenuegroup.com/. They said they were calling on behalf of their client XXXX XXXX XXXX who can be found at : XXXX XXXX XXXX  Local phone # XXXX and were calling regarding debt I owed. Since I owe no debt I was suspicious of a scam much like the various other scams that are similar. 

On the first call I simply said I owe no debt and hung up. The second call came around XXXX on my work cell phone. It was the same claim. This time I said they were a scam and I had reported them to the FBI and hung up. I then followed up that call by calling XXXX XXXX XXXX who appears to be a credit card processing company and asked them if they knew who The Revenue Group was and would they use them to collect debt. XXXX, of the tech support department said they did not know who they were and did not use them. 

I have also reported this to the FBI and filed a clam ; the FTC and filed a complaint and will also call my State Attorney General 's Office. 

I would like them investigated as this is harassment and fraudulent. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank closed my JCPenney account and reduced the credit amount on my Old Navy Credit Cards due to an algorithm set up in their credit approval system. My credit history with these two credit cards was excellent at the time that the changes were made on those cards. I made on time payments and used those cards when I wanted with no problems. I embarked on business venture which affected my credit, and should not have caused Synchrony Bank to let a computer decide that I was not credit worthy for these two store credit cards. This has caused my credit score to drop to an extremely low number when I had worked very hard to get my credit to be and stay in good standing.

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