vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX continues to place repeated calls to distant relatives 4-5 times per day. This is my second complaint. My ONLY contact number is XXXX. Any calls to anyone else should be stopped immediately. This is harassment and should not be allowed. They're calling anyone that they can find online that's ever been associated with me and that should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have asked that this company not communicate with me yet they call me on my cell phone using pre-recorded messages and leave voicemails. I do not like this at all they've called me over 6 times. 

They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message. 

This is my second complaint and I haven't gotten a response.

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 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX - wells fargo charged my account {$35.00} overdraft fee when my ending balance on XXXX {$450.00} XXXX - account charged me 3x {$35.00} = XXXX overdrafts when my ending balance on XXXX was 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 2019-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sortis Financial, Inc.
State: CA

Complaint narrative:
I received a 1099-C form from a debt collector for a debt that I have tried to get information on but have never received proper verification that I have previously requested. From verbal conversations it appears to be some sort of home loan that I took out in XX/XX/2008 through my mortgage company, XXXX. During the mortgage crisis my home went into foreclosure and the company was sold to XXXX XXXX XXXX. I was able to modify my home loan and refinance all the debts owed at that time. I have since refinanced my home and am in good standing. Any prior home loans were taken out as secured by my lenders and when modified I received reconveyances and title insurance. This appears to be a scam and a modification of my original secured home loan that was refinanced. Apparently, they believe they can collect as unsecured but won't give me any information to date. I dispute taking out any unsecured loan. I have never paid anyone or am I aware that I owed anyone separately. I can get reconveyances and title reports if necessary. I further dispute this debt as they say it was taken out in XX/XX/2008 and is no longer collectible according to a Financial Credit Act. I was in financial distress for years as a result of medical issues and XXXX  that left me with an XXXX XXXX XXXX XXXX XXXX/XXXX/and XXXX. I dispute this debt and ask that the 1099-C be voided. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Cach LLC ( Docket # XXXX ) was released in bankruptcy discharge XX/XX/2013. However, they are still reporting a judgement on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took this private student loan back in XX/XX/2009, and have been repaying it since the loan started as a {$5000.00} student loan. After ten years of making payments, my principal balance is still {$3200.00}. I called the lender to negociate a lower rate but they refused. I was not clearly explained at the beginning while I was still in school that the minimum payments I was doing did not covered anything or almost anything on the principal. With all the payments I have done so far, I have paid well above the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I called AmEx today XX/XX/2019 and asked to cancel an account. The account has a zero balance. After validating my identity and the account in question, the rep asked a series of personal questions about future spending habits and travel plans. I asked the rep to just close the account. The rep responded that she has a script she needs to follow and can not close unless I answer these questions. When I refused she said she could not close the account. I asked to be transferred to another rep but the same thing happened. She also refused to close the account unless I answered these personal questions. I then asked them to immediately close the account and hung up. 

There is an annual fee on the account that will be charged in a couple weeks so I want it closed now before that happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
I had a rental car stolen from me in XX/XX/2015 and got it back and returned it. I offered to pay the company an additional {$200.00} over {$360.00} owed for the trouble. They in turn ran a fraudulent invoice for {$3000.00} thru my Chase bank account. Chase, instead of helping me fight the fraudulent invoice, garnished my entire social security check for 3 months. It is AGAINST THE LAW to garnish any part of a social security check ( XXXX  ). Every time I fought them to get it stopped they gave me provisional credit then took it back bouncing every payment made off that check and charging me service fees. I lost my home of 17 years, everything I owned and my car got repossessed. I want my credit restored and every payment owed by this to be paid by them, my money returned plus the charges they accrued and billed me for in excess of {$50000.00}. It is AGAINST THE LAW to garnish XXXX  in full or part according to the FEDERAL GOVERNMENT. I sent them  evidence of the fraudulent invoice which they used against me as " proof '' I owed money instead of proof of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: OK

Complaint narrative:
I received notification on my credit and a letter from XXXX XXXX XXXX XXXX that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XXXX and once in XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello, I received " Payment Fees '' at the start of my repayment date. This amounted to a flat 3 % charge on the current principal of the overall loan. To be clear, this is not a late payment, this is just a fee for me to start paying them. 

For example, I had a load of {$16000.00} during school. By the time repayment came around, with interest the principal amount was {$22000.00}. I was charged 3 % on the {$22000.00} for a total of {$670.00}. 

That is just one of four loans where I received this " Payment Fee ''. The total cost of this was {$2700.00}! 

Is this fee legal? Is it legal for them to charge it on the {$22000.00} and not {$16000.00}? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc.
State: LA

Complaint narrative:
NPAS, Inc, XXXX, attempted to collect XXXX that was an error of XXXX XXXX XXXX XXXX in that the hospital failed to submit the necessary documentation to the insurer which resulted in the claim being improperly processed. It should be noted that the first bill we received for this amount came directly from NPAS and not the hospital billing department. I contacted NPAS prior to XX/XX/19 and told the rep that this bill was in error and it wasn't owed. I also asked to speak to a supervisor and was told that all five supervisors were busy. I told the rep. to take a message and have a supervisor call me back. I never received a call. On XX/XX/19, I had my wife call NPAS since she's the patient at XXXX XXXX XXXX XXXX being treated for relapsed XXXX. She told the rep. that it was an error and we didn't owe that amount and besides, we had already hit our catastrophic cap before that date of service for that claim. The rep refused to help and told the wife that she would have to dispute it with our insurer ( I am the policy holder ), but there was nothing to dispute. My wife told me what they told her, and I called back the afternoon of XX/XX/19 and once again explained we didn't owe that amount. I also asked the rep if NPAS was a collection agency and the rep denied they were a collections agency and told me that NPAS was an extension of the hospital 's business office. I once again asked to speak to a supervisor and once again, it didn't happen. At this time, neither my wife or I have heard back from anyone at NPAS. I XXXX   NPAS and it indicated that they are indeed a collection agency. So, the rep misrepresented that fact and lied to me. The only contact info I have for NPAS is the phone number XXXX and an address of NPAS, XXXX, XXXX. XXXX XXXX, XXXX KY XXXX. NOTE : I am the husband of the patient and I am filing this complaint on her behalf. I will enter her as the primary on the complaint and me as the secondary on the complaint in the contact info section of this submission.

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 2019-02-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My complaint is about the overall scam of credit bureau reporting. 

Can someone explain to me why having someone check my credit lowers my score? Does it mean Im likely to miss a payment? Does it mean Im about to overextend myself? Does it have anything to do with all of the hundreds of creditors Ive paid in full over 30+ years of having credit cards, student loans, mortgages, or other types of reported debt?

No it doesnt. So why is the score impacted?

Credit reporting bureaus having massive differences in scores??? Why??

Why do only 2 agencies show up on the scores? TransUnion and XXXX? What happened to XXXX?? 

Credit reporting also different for differing situations? Why is my score different for credit card application, home loan info, auto loan? There should be one score and one score only!!!! The score I see should be the same one a creditor sees. 

Its like the housing market scam network in this XXXX country. Why is there a different appraisal price for 1 ) purchase, 2 ) refi, 3 ) just a personal I want to see what my house is worth ( this always confuses the appraisers ), or 4 ) a relocation appraisal. Why are they all different? Its the same XXXX XXXX XXXX house !!! 

Credit bureaus are the same scam. Why is what I get as a consumer so different than what a bank sees??? 

It is so disgusting and fraudulent.

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 2019-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had unsolicited changes to my report without my approval, and Experian sent me an email stating my FICO score had dropped nearly 100 points because of a XXXX XXXX XXXX XXXX Credit Card glitch in transaction clearing and transfer payments from one acct to the cc account. It was taking one full month to clear due to the use of Snail Mail instead of electronic clearing. 
Experian states they are using a different Scoring System than everyone else, WHICH IS WHY THEY WERE FINED XXXX XXXX . 
EXPERIAN SENT ME AN EMAIL NOTIFYING ME OF THE SUDDEN DROP-AND FAILED TO GIVE THE INFORMATION AS TO WHY THIS HAD HAPPENED. 
INSTEAD, THEY SENT ME AN APPLICATION FOR ANOTHER CREDIT CARD THEY PROMOTE. THIS INDICATES THEY RECEIVE POINTS OR CASH FOR DOING SO. 
THEY ARE INSISTING THAT SENIORS, IMMIGRANTS, AND XXXX PERSONS ARE SCRUTINIZED BY THE SAME REPORTING COMPLIANCE AS WEALTHY PROFESSIONALS WHO OWN REAL ESTATE, STOCKS, BONDS, AND ANNUITIES. 
I WILL BE FILING AN ADA ACT CIVIL RIGHTS ACTION COMPLAINT AGAINST EXPERIAN FOR USING COMPELLANT AND PREDATORY LENDING STRATEGIES TO COERCE A XXXX CONSUMER INTO USING THEIR EXCLUSIVE PRODUCTS. 
THIS IS THE SECOND OFFENSIVE STRATEGIC " SPAM '' EMAILS SENT TO ME, ALONG WITH A CREDIT REPAIR SPAM EMAIL ( SENT TWICE. ) THE FIRST EMAIL PROMPTED ME TO SURVEIL THE WEB FOR CLASS ACTION SUITS AGAINST EXPERIAN. 
THAT IS WHEN I UNCOVERED THE XXXX XXXX $ FINE THEY WERE FORCED TO PAY BECAUSE OF THE CREDIT SCORING SYSTEM THEY USED THAT DID NOT FALL UNDER COMPLIANCE GUIDELINES. 
I FEEL LIKE THEY ARE HARRASSING ME AND USING COERCIVE AND COMPELLANT STRATEGIES TO FORCE ME TO APPLY FOR MORE THAN ONE CREDIT CARD THEY RECOMMEND. 
EXPERIAN MUST USE THE SAME UNIFORM REPORTING SYSTEM AS OTHER AGENCIES. 
THEY HAVE DISTRACTED ME FROM RESOLVING THE CREDIT CARD GLITCH WITH XXXX  XXXX XXXX. 
I AM ASKING WHY WE AS CONSUMERS EVEN NEED CREDIT CARDS, IF IT IS MADATORY THAT THE FULL BALANCE BE PAID OFF DURING THE SAME BILLING CYCLE AS THE CHARGES WERE MADE. CREDIT CARDS ARE SUPPOSED TO FINANCE DEBT. 
WHICH BRINGS ME TO ANOTHER QUESTION. THE XXXX XXXX XXXX XXXX CARD IS A XXXX % FINANCE FEE. IS THERE SOMETHING I AM MISSING HERE? 
MY OTHER FIRST SERVICE CREDIT UNION CHARGE CARD ALLOWS THE CHARGE BALANCE TO EXCEED MY LIMIT. 
I WILL BE REPORTING THIS AS WELL IN A SEPARATE REPORT. 
IN CONCLUSION, CREDIT CARDS ARE PREDITORS IF THEY HAVE COMPELLANT AND COERCIVE STRATEGIES TO PERSUADE THE CONSUMER ( AFTER PANICKING ) TO BORROW MONEY NEEDLESSLY OR USE OTHER PRODUCTS WITH THE SAME COVERT STRATEGIES THAT HARM A CONSUMER 'S CREDIT STANDING. 
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 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit System is reporting a debt that is in collections. I have reached out to this company numerous times, but the number listed is not in service. I am not aware of this debt or where it originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Was given a gift card by daughter for JC penney hair salon, XXXX Oregon {$40.00}. Had my hair cut XX/XX/2019. Charge was XXXX, had them give the other XXXX as tip along with XXXX cash. They took the gift card and are now billing me for {$40.00} for hair salon services on my credit card. At no time were they even told or shown my credit card with JC penney. Should not have even known I had one. Have reported and am getting no response as to them taking this charge off my statement. Looks to me as if they kept the {$40.00} gift card and pocketed the money and now billing me for {$40.00}.

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 2019-02-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX AND EXPERIAN " CRA '' REPORTING VARIOUS ID FRAUD ACCOUNTS NOT MINES : PUBLIC RECORDS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX..DEMAND REMOVE ALL FROM CREDIT FILE ASAP

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 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NH

Complaint narrative:
I have been paying {$5.00} per month for my federal student loans forever. Today, I received a bill for {$100.00}. This amount will be taken out of my account as I have recently had direct debit with my bank and XXXX XXXX and before that it was another servicing company, XXXX XXXX. They both tricked me into getting my bank info thinking I would not be late on a financial hardship loan payment ever again. 
I barely live paycheck to paycheck, I pay all my bills but this one I can not afford! They tricked me! I want to cancel my bank information but they have not gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I was scammed by a PayPal seller. They claimed to be selling tickets to a concert. When I paid for the tickets, they blocked me from contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr cooper is unwilling to work with us as a result of a misapplied payment. The payment was made in XXXX and was not found and credited until XXXX. I was 2 months behind and because of the misapplied payment the account went into foreclosure. Had this payment been applied correctly this would not have happened. I called numerous times and it took 4 month for this to get resolved. I am now in a position of loosing my home and they will not work any arrangements out. I would like to pay the past due payments and have the fees added to the end of the loan. I wish to make a settlement reinstatement but each month the amount rises and its becoming impossible to pay this. I do not want to loose my home and full reinstatement is not an option but the only option they are giving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I am purchasing a car from XXXX and the finance company/bank I am paying on the loan is Bridgecrest. The company Bridgecrest I believe is a lending predictor. They prey on people that are poor with bad credit. When obtaining the loan no one disclosed to me I was in a installment loan. Everytime I am late on the loan, I am charged {$6.00} a day. Do to financial hardship I've been late on the loan and can't seem to caught it up because I pay every two weeks on the loan as well as the XXXX a day I just found out last week I was being charged. I have been in this 2009 XXXX XXXX almost 5 years and have paid over {$21000.00} and still owe over {$9000.00} on the loan. I am being ripped off. They call and harass me so much I have to put them on a no call list. I almost loss my jobs behind them calling my back to back while my boss was standing in front of me. I feel defeated and don't know what to do. I know I'm in a predatory loan. Please help! No one disclosed to me I was getting into a installment loan when I purchased this vehicle. I've paid to much money to lose this car, and the company reporting to the credit bureau is making it impossible to get out this car!

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 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: OK

Complaint narrative:
I received notification on my credit and a letter from XXXX XXXX XXXX XXXX  that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XX/XX/XXXX and once in XX/XX/XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,

Company response to consumer: Closed with non-monetary relief