vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I got a call from Transworld Systems today ( XX/XX/18 ) asking me to verify my wife 's date of birth and address. While I do have some debts in collection currently, we had not received anything from them in the mail. Also, I asked 3 times if they were debt collectors, and they refused to answer. They just said that were calling about a business manner. The number they called from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
Medical Business Bureau sent me a bill for {$93.00}. I did not recognize the bill and did not believe that I owed the debt. I requested in writing validation of the debt, I also followed up with a phone call. This company has never provided written verification of the debt. They are violating the Fair Debt Collection Act, which requires them to provide debt verification after a consumer requests it. Medical Business Bureau is violating this act by refusing to provide verification of the debt. The act states : " the collection agency must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. '' I never received this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in 2016. However, any accounts with HSBC were filed under bankruptcy. Also, XXXX XXXX purchased accounts from HSBC and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX HSBC BANK NEVADA XXXX. 
XX/XX/2016 {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXX, XXXX   XXXX as reinstated the debt to read HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
They have been calling more than 8 times A-day every day nonstop. My daughter was made fun of for her XXXX she has no money she is unable to work and is waiting to be approved for XXXX the company will not work with her and continued to harass myself and her and keep telling us both lies they told her if she made a payment that it would push everything back for 30 days and be fine then 5 days later they called me told me the loan Would be summat sent to litigation and collections and demanded money for me that I don't have even though they told her something completely different and continue to lie to us and you anything in their power to get the money from us that we don't have even know we keep calling them trying to work with them they just keep telling us lie after lie and scamming us We want the harassing phone calls to stop and allies to stop we are trying to figure out a way to make everything work we have asked them to work with us they refuse to buy wish these loans could just be released They have done so many wrongful things including discrimination lying harassment, Basically their lies are just trying to scare us into making payments I understand that we owe money but like I said no one has it and we've been trying to work with them and set up a plan until the XXXX has been approved by the State of New York and they don't seem to care they just keep telling us lies to scare us into whatever they see fit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Complaint made to Transunion on XX/XX/XXXX for derogatory account which they say is not on my credit report. I tried to file a dispute and they said it wasn't on my report, which in turn, kicked me out of their system and did not allow me to file a complaint in their system. In addition, this lien I m speaking on was taken off of all other reporting agencies, reporting only on Transunion 's credit report. The lien was released and does no longer belong on my credit report.

Recorder of Deeds Lien Status -Released REF # XXXX  Amount -XXXX   Transunion last reported this derogatory account on XX/XX/XXXX even with my complaint attempted to be filed on XX/XX/XXXX. It is off all other reporting agencies expect this one. ( i.e., 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 non-monetary relief
Consumer complaint received 2018-01-31 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: TX

Complaint narrative:
I have a Chase XXXX card. Per the agreement, I should not be charged interest if I pay my balance in full before the due date. Even when I pay my balance in full before the due date, Chase still charges interest and refuses to explain why they have charged interest in violation of the agreement or provide the interest calculation. I manage credit cards for a large company and have never had these issues with other credit card companies. I will be closing the card as a result of these issues with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc.
State: PA

Complaint narrative:
I consolidated my private loans ( some from under-grad, some from graduate school ) in XX/XX/XXXXas the payments from each institution ( XXXX XXXX and XXXX XXXX ) were too high for me to pay. I consolidated with a reputable local credit union. After a few months my loan was transferred to XXXX. At this time I was paying interest and principal, about {$260.00} a month on a {$58000.00} loan. I was seeing the principal decrease, as I was accurately paying on time when I could and memorizing the balance every month. In XX/XX/XXXX my loan was then transferred to LendKey, at the time I still owed about {$38000.00}. Lendkey then upped my payments to about {$1000.00} or more a month. They would no work with my on lowering my payment, and would only offer me forbearance after forbearance which at the time was my only option as I couldn't afford the payment. I naively stopped checking my balance accurately as they only accept checks and payments over the phone. The process to pay online is absolutely ridiculous and extremely difficult to understand, they also charge you a percentage on your payment. My co-signer noticed that the loan was showing up well over {$60000.00} unpaid on her credit report, which is completely inaccurate as I have been paying now for over 5 years. When I called LendKey to discuss, they said they couldn't answer the question and I had to email them. I emailed them and got no response. Now they are claiming I am passed due and my amount still owed is almost 10,000 more than what I originally consolidated for. I tried to contact my original lenders ( XXXX XXXX, XXXX XXXX   and XXXX ) to check my initial loans, but I was not successful. I am hoping you can help me with this issue. I feel like companies like Lendkey pray on young adults just starting out as they know that they can get away with it. Any resolution would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: NY

Complaint narrative:
I applied for Loan Forgiveness through XXXX. It seemed to be the only website/provider who is able to process Federal Loan Forgiveness for Public Service providers. It was set up through StudentLoans.gov, so I thought it was a legitimate provider. 

I began to process my application sometime in XX/XX/XXXX, to have it start in XX/XX/XXXX. I just finished it. Everything took months with them. In the mean time, I kept on making ( what now I found out ) as endless payments towards my loans. When I had my loans with XXXX ( good servicer ) I was making {$600.00} for the last 3-5 years. I brough the balance down, despite having XXXX kids to support. I now owe {$50000.00}, graduated XXXX in XX/XX/XXXX, and have been making payments for the last 9 years. I worked for XX/XX/XXXX all my life. I am looking to buy a house, so really hoped this process would clear up some cash by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I was finally told that my payments of 9 years are not valid as I did not have loans with XXXX  since I began to make payments. I needed to sign up for some special payment plan to be eligible for loan forgiveness in XX/XX/XXXX. I was never told about this by anyone. And believe me I do paperwork for a living, so I looked all over for this info. This seems to be yet another trap by the big corporations to keep me paying endlessly for loans. 

Just a final note, I made about {$80000.00} last year, married, with XXXX kids. When I did their Income Contingent payment plan I was told I needed to pay over {$900.00} a month ( myself ). When I called XX/XX/XXXX, to see if it can be changed, I was told I could do another, meaningless plan, and pay {$420.00} a month, less than what I paid for the less 9 years. 

I hope you can take my extremely negative experience and find a way to make consumers be able to stop paying endless college loans and invest into the economy. This program seems to be another scam to keep me paying into endless existence. I plan to change my loans to my previous provider and keep my {$600.00} payment as I did before. I will end up paying off my loan within 10 years without this company making money off of me. What a sham!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Bank of America has continued to provide false information on my credit files. XXXX XXXX and XXXX have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, BOA listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the XXXX Report, BOA listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from BOA indicating that I was NOT LATE. This has been and ongoing issue with clear violations by BOA and continued by XXXX XXXX and XXXX. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes BOA letter dated XX/XX/XXXX responding to my payment dispute and request for correction BOA letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX BOA XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking

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 2018-01-31 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: NE

Complaint narrative:
XXXX XXXX XXXX has continued to provide false information on my credit files. XXXX XXXX and Experian  have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by XXXX XXXX and Experian. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX  letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking

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 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CORELOGIC INC
State: TX

Complaint narrative:
My escrow account is in the negative due to XXXX XXXX XXXX paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to Core Logic the 3rd party carrier and they said they only did what XXXX told them to do. On XX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXX i received a new statement stating my new mortgage payment would be XXXX starting XX/XX/XXXX. XXXX has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help me.

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 2018-01-31 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:
My husband and I disputed many accounts and inquiries on Equifax, XXXX and XXXX in XX/XX/2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Meridian ARG Inc.
State: MD

Complaint narrative:
Received a phone call from XXXX stating " they were considering me fore legal action and to contact the law firm XXXX for case number XXXX '' When I called the number not only did they have my Maiden name, the woman on the phone repeatitly refused to give me any information regarding the attorney who filed suit, or the original account number or amount. She threatened me and hung up on me when I asked for additional information claiming " if i didn't want to pay then they would just go ahead and file '' I found the address of the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have frequently review my credit report and know this is not a current account, nor is it een an account for the last 10+ years that's been open. The account she was trying to claim I owed on has been paid off and closed and has been for almost a decade.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a ticket, for travel, the merchant issued a rewards milage ticket. I was not able to usr the ticket upon checking in at the airport. The airline stated that only the holder of the account that have the miles would be able to usr the ticket. I was denied boarding abd lost All the purchase price of the ticket. I filed a dispute with Chase Card services. and have not gotten a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I moved out of my unit inXX/XX/XXXXXX/XX/XXXX when a friend joined the lease and took over the unit. I paid the wifi bill to XXXX for XX/XX/XXXX and XX/XX/XXXX even after I moved out and my friend assured me that he changed the bill over into his name. I preceded to leave the country and the following year when I came back through town I discovered that he didn't change the bill into his name until XX/XX/XXXX therefore leaving unpaid bills in my name for XX/XX/XXXX and XX/XX/XXXX totaling {$110.00}. As a conservationist  I always request paperless statements from companies to lower my carbon footprint. Had XXXX honored my requests, I would have received an email stating that I unpaid bills and notifying me that the bill was in fact not changed over into the new tenants name. I was denied a car loan today because of this small {$110.00} bill that I have no problem paying but I do not want a bill that isn't mine to stay on my credit report for 7 years and affect my score and capacity to buy a car. The collection agency is called ICS.

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 2018-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I called Navient to reapply for the Rate Reduction Program I have been in for three years and was denied because of my cosingers information. My cosigner told Navient he is retired and does not have any income, in addition he does not have any social security money coming in as he is not yet XXXX. I have paid the amount due on my loan faithfully for three years and have never missed a payment. If my cosigners are retired and have no income, they can not pay their bills and afford to help me pay mine, which is what my cosigner explained to Navient. I am trying to give Navient money for my loan, but they are making it incredibly difficult to do so. I have been in this program for three years and have never had an issue reapplying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: AZ

Complaint narrative:
I have explained to the medical billers and then the Medical Business Bureau collections agency via letters on XX/XX/XXXX and XX/XX/XXXX and via phone on many other dates, that I signed an agreement at The XXXX Hospital in XXXX, TX when I was administered treatment for a XXXX XXXX, stating that I would only be billed the amount that they were charging to my credit card that night, which was {$150.00}. 

I explained and offered proof that I paid this amount on the night of the treatment and have repeatedly stated that the agreement that I signed at the hospital promised that I would not be billed anything other than the {$150.00} that I paid at that time. I made it very clear at the hospital that I would not allow anyone to treat me without such an agreement as I do not have insurance ( and I was not even convinced that I needed any treatment ). Unfortunately, there is a real problem with hospitals routinely sending additional surprise bills after treatments where payment has been already rendered. This has happened to me before, and this time I wanted to be very careful to prevent this happening again. 

I explained to the medical billers and this collection agency that they are legally required to produce a document that I signed, stating that I would pay what they are asking me to pay. I know that at the hospital that the administrator attempted to have me sign documents promising to pay for various treatments that I refused. Therefore, I am 100 % confident that there are no documents that were signed by me stating that I would pay anything beyond the {$150.00} that I paid at the hospital. 

I explained to everyone who attempted to extort further payments from me in relation to this treatment that pursuant to the Fair Debt Practices Collection Act, section 809 ( b ), they must cease to collect unless and until they mail a copy of the verification of the debt to me ( the consumer ). They were unable to produce such documentation and they stopped harassing me with letters and calls after that. 

Now, suddenly -- three years later -- -on XX/XX/XXXX the Medical Business Bureau has improperly reported this collection to my credit report in a derogatory manner in two separate reports. This improper reporting has kept me from getting an auto loan.

Company response to consumer: Closed with explanation