vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-21 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: Capio Partners, LLC
State: GA

Complaint narrative:
I am attaching copy of the letter I received which shows all the information required. I tried to fixed this issue several times with XXXX XXXX but their representatives were not willing to take of customers and listening to their needs. I don't have medical insurance and I lost my job in XXXX. This new debt collection is suggesting that my credit can be damaged. Because the company XXXX XXXX never cared about resolving the issue and they just transfer debt to credit collection, because they are not interested in doing their job properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 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: CO

Complaint narrative:
Experian has put an illegal and fraudulent security freeze statement on my credit file. I have notified them in writing with copies of my ID and it was sent via certified mail and they refuse to remove it. They are in essence holding my credit file hostage. They are trying to make things difficult and are violating federal law. They are also refusing to report a valid AU tradeline on my credit report. Their intentions seem to be to hold my credit score down to intentionally cause me to be denied credit or to pay higher interest rates. This is the 3rd time I have asked them to remove the security alert statement and they are refusing to do so. Their illegal schemes need to be investigated. I have attached my DL, Social security card and my XXXX XXXX bill for verication if ID. I am demanding that the security alert and statement be removed immediately.

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 2019-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I received too many calls without written statements. 
They still reported to Credit Reporting atgency and damaged my credit. 
I went ahead and paid including finance charge and requested to remove from my credit file No action. 
I have proofs of payments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
this complaint is regarding the clothing chain XXXX XXXX XXXX XXXX, and their credit card issued by Comenity Bank. 

I had an account with them for over five years. I set up my account to receive paper statements. For an unknown reason, I stopped receiving paper statements. I use the credit card, never received a paper statement, never received an email statement ( a  search of my email was done while I was online with the company 's customer service agent to verify no email has been sent while other promotional emails were being received ). I reviewed no indication of a payment being due. 

Furthermore I was never notified in writing of any form that the underwriter had changed and that the company was being financially managed to differently, and nothing to account for the change in the status of how I wished to receive my statements. I received an estatement on XX/XX/XXXX ( attached ). I started receiving urgent email notifications on XX/XX/2019 ( attached ) about the bill being passed due. 

I was charged interest, and late fees, and received no recourse from the company other than to pay the bill in full. On XX/XX/2019 I paid the bill {$87.00} ( which would not be pulled until XX/XX/XXXX, attached ), filed a complaint with the company and canceled my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2019 I, XXXX XXXX XXXX, contacted Transunion Agency in reference to several inquiries and items that were placed on my credit report due to fraud. I explained this information to the representative named XXXX and she stated that she was unable to assist me in this matter. 

The following inquiries were not authorized by me and should not be on my credit report : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do ask that they remove this incorrect information Thank you, 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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There was an unauthorized transaction with my account and Wells Fargo still didn't refund my money and has charged me more NSF Fees! and returned an item

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 2019-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group XXXX XXXX XXXX XXXX, IA XXXX I had no knowledge of this debt. I have not, ever received notice or been contacted to pay this debt. 
I found it on my credit report ( XXXX ). 
I have attempted to rebuild my credit and they flagged my report. ( XX/XX/XXXX ) I found they had reported it again, as a separate debt. ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: KS

Complaint narrative:
I was sent an email stating that my loans were placed into deferment due to my enrollment in school. I NEVER agreed to have my loans deferred and do not wish to have my loans deferred. When I search myfedloan website to figure out how to put my loans into repayment, I was unable to do it. I had to take time to call the toll free number, wait on hold to then be told that I had to print and fill out a request to put my loans back into repayment and then scan back to them. I completed this on the XXXX when I made the call and my loans are still listed in deferment. This is ridiculous and should not have happened without me making a request to defer my loans. I have copied the email that I received below. 


XXXX XXXX UNIVERSITY notified us that you're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. 

In-School Deferment Dates Deferment Begin Date XX/XX/XXXX Deferment End Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I was a reluctant customer of XXXX for over 5 years despite the terrible service I received. We had cable internet and home security. From day one our home security was terrible. It was giving off false alarms and the police would have to be called. The internet was never as strong as we were told it was going to be despite paying extra for the boost service. I decide to disconnect my service and go with another provider. I paid my last bill and switched over. Months later I see that XXXX has submitted an entry to the credit bureaus of an unpaid debt. I contacted XXXX several times to figure out what this debt was and why I never received written notification of the debt. When I turned in my equipment I was never informed about a balance or anything. There was no written communication after that point. 

I have tried to resolve the issue although I feel XXXX is at fault for failing to notify me of any charges after I disconnected my service, XXXX is refusing to remove this from my credit report even if I pay the balance in full. They apologized if they dropped the ball, but the most they could do is update it as paid in full, This is unacceptable. 

I reached out to the collection agency that now has the account Credit Collection Services to get more information about the debt and they told me very little information as well other than they are collecting for XXXX. I tried to explain that I never received written notification that of this debt. I tried to resolve the issue requesting the full deletion of this from my credit report if I paid in full. They said they don't have the power to make that happen. I know that they have the power to negotiate those terms but they wouldn't even talk about that. 

This is affecting my credit and I am in the process of purchasing a home. I am willing to pay the account in full although I take no responsibility for the charges, I was not properly made aware of the charges and was not given the option to dispute the charges in a timely manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: SLM CORPORATION
State: OH

Complaint narrative:
I have consistently been paying more than the " monthly amount due '' on my PLUS loan. I understand that while my daughter is in school, I am only required to pay the interest, and expected that the overage was going to the principle. I tried to verify on Sallie Mae 's website that the overages were going to principle, but their website is very hard to navigate.

Today, I looked into it further and found that my " monthly amount due '' is less than my " unpaid interest and fees, '' therefore the overages were not going toward the principle.

I think Sallie Mae 's billing is purposefully deceptive and their website is purposefully hard to navigate.

Paying for a college education is hard enough without the lending institution misleading their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: TX

Complaint narrative:
IreachedouttoEquifaxaboutsomeaccountsthatwerenotreportingcorrectinformationonmycreditprofile.UponresearchandreviewIfoundoutthatallaccountsaretoreportcompleteandaccurateonacreditfileandIbroughtthistotheattentionofEquifaxinXX/XX/XXXXandXX/XX/XXXXbuttheycontinuetoreportthesameinformation.Theydidnotperformaproperinvestigationliketheyclaimedbecausechangeswerenotremoved/updatedaccordingly.

InoneofmychallengesIpointedouttothemthattheydidnotmarktheaccountsasbeingdisputedaspartoftheirprocesswhichisaviolation.TheyignoredthefactthattheyhadalreadyviolatedthatandmarkedtheaccountassuchuntilAFTERIpointeditouttothem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
XXXX hospital center never sent me a bill regarding the birth of my daughter on XX/XX/XXXX. Ever other bill was sent in a timely manor and paid by us in a timely manor ( anesthesia, pediatrics, etc ). As I continued to wait 6+ months for my bill I received a phone call from a collection agency. I reached out to XXXX XXXX and after being hung up on and transferred incorrectly, I was finally given a contact. She corrected their mistake and pulled the collection back. I started an auto draft monthly payment agreement with their servicer. Today ( 5 months of making payments on time including my last draft on XX/XX/19 ) I received a letter from medicredit that XXXX XXXX has send my account to collections AGAIN when I am in good standing making the agreed upon payments. I tried to reach out to the same contact as before and am getting my email kicked back. They are incorrectly sending accounts to collection and not sending bills. This happens to multiple people I know and has to stop. Having a collection account could cause me to lose my job. I do not have any account in collections and always pay my bills ok time.

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a dispute over a wire transfer over the XXXX XXXX weekend with 5/3rd Bank for the amount of {$1500.00}. I immediately called the Dispute Department and signaled Fraud. I was advised from the dispute department to call XXXX   XXXX XXXX where the transfer was sent. XXXX indicated that the information could not be shared of where the funds were transferred. As it turned out, I did not get the funds back. According to FBI reporting on wire transfers, as time drags out the less likely you will not recover your funds. An increase of wire fraud had increased over the last few years. 

I did not get a Field Investigator assigned until weeks later who was XXXX XXXX. His phone number is XXXX. I also filed a police report. XXXX shortly after took a vacation and when he promised me he would get back regarding the status of my case ; and I did not get a response over several calls. I also filed a complaint to recover my funds to the Loss Prevention department through XXXX XXXX who is a Bank Manager. I discovered on XX/XX/XXXX when visiting a local branch without notice that my Loss Prevention Claim was denied in XX/XX/XXXX under Dispute # XXXX. I even suggested to XXXX should I report this to the FBI and he said no he can handle my case. 

This transaction was part of the Bank 's Negligence writing that my transfer was due to health care reasons and dragging out an investigation. I hope that CFPB can resolve this matter with a Bank for once because I am filing a Civil Suit against 5/3rd Bank for more than my losses if my {$1500.00} is not reimbursed. I am getting tired of Banks getting away with misconduct and not recovering losses when Banks do have insurance. I have had a couple bad experiences with Banks not covering check fraud, and other related issues ; and I am not letting this issue go because I do not want other victims/consumers to encounter the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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:
I have a twin brother. Our names Are one letter apart and our social security numbers are one number apart, we have the same address date of birth etc, as most twins do. Recently I discovered Equifax had mixed our credit file so I attempted to file a dispute with them. I spoke with a representative and explain that my file got mixed with my twin brother. The representative assured me this was an easy fix. I outlined what elements of my credit file belong to me and which belonged to my brother. I even outlined the differences in our identifying information. However, when I received the status of my dispute I found that the problem had not been resolved and instead of separating our credit files I was just removed my name from the record. In fact in logging into my equifax I discovered my credit file and the dispute review were all made entirely in my brothers name!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
This company is a nightmare with the escrow acct ..first it was trying to get them to remove my pmi which was suppose to be automatic ( I had to email them a copy of the contract to get them to comply I cant imagine how they wouldnt have this ) ..now they failed to pay my homeowners insurance I caught it day before and after many lies got someone to agree to overnight it so I dont loose insurance or be charged late fees ..now they show they took it out twice and are having to advance me money ... I find bbb had many complaints like this on them ..the escrow department lies every phone call and I have to make up to 8 calls about each situation ..I have never had to worry about my things being paid from others

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A cancellation of an XXXX credit card payment {$1900.00} didn't go through and they can not stop it and will do multiple attempts ( that is what their representative said ). 
When I noticed the next day ( Tuesday XX/XX/XXXX ) that fund will be low on the Citi Bank account, I setup a bank transfer from XXXX to Citi Bank. 
XXXX did two trial deposits ( {$0.00} and {$0.00} ) and later subsequent debits on the Citi bank account on XX/XX/XXXX, to establish connection so I can transfer funds. 
On the same day ( XX/XX/XXXX ) XXXX deducted {$1900.00} for credit card payment. 
Also on the XX/XX/XXXX since I now can transfer fund from XXXX to Citi, I initiated transfer of {$1900.00} from XXXX to Citi. 
On XX/XX/XXXX the funds from XXXX got to Citi bank checking but the XXXX charge was returned and an overdraft fee was applied. I contacted Citi bank right away and they waived the {$34.00} overdraft fee. 

This morning XX/XX/XXXX I noticed an overdraft of {$68.00} on the Citi bank account. I reached out to Citi customer service and they said that was for the two trial debits while the account was overdrawn. I tried to explain that I dont ' have control when banks debit amounts and that I tried to fix it by transferring funds to the Citi account. 

Today XX/XX/XXXX Is see that XXXX now charged {$1900.00} again and because of the {$68.00} overdraft fee I am overdrawn again. The representative this morning said I may get another overdraft charge the next business day.

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 2019-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: DE

Complaint narrative:
On XX/XX/18 I sent a letter to Receivables Management Systems with an attachment of what I think is in error of their amount due. Their bill is XXXX and I sent copies of bank clearing checks I sent to XXXX XXXX. I came up with owing {$54.00}. I do not ever recall my account going to collections while I continued to pay XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I lost my Bluebird AMEX. This card was use as a pay card and I went to the website and cancelled and requested a new card. After waiting the 7-10 business days i did not receive a card. Then I called the company to ask where is my card only to discovered it had not been cancelled and all my money was spent. The agent advised me in these cases we should call them although it offered to cancel and request new card on website. I proceeded to began the dispute process. The most disturbing thing of it all is when your transferred to the Fraud department the agent comes on and repeatedly calls your name and says hello, says they cant hear you and disconnects the call. This happened twice before I asked for the direct number. All of a sudden with direct call they can hear fine. I was advised to wait 10 business day for provisional credit while it may take 45 to complete investigation. On the 10th day I received an reject of dispute email. And of course when called to transferred to fraud dept. they could not hear me until I called back direct. The dispute is on going. The lost card resulted in {$230.00} loss at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: NV

Complaint narrative:
equifax has negatives posted on my credit that shows removed?

Company response to consumer: Closed with explanation