vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
Charleston Area Medical Center, sent me a MEDICAL BILL, for XX/XX/XXXX, for : {$860.00}. But I contacted XXXX VA, ( spoke with XXXX today, XX/XX/XXXX ), that works there, & he told me MR. XXXX, YOU ONLY OWE {$19.00} ... TOTAL!! 

I ask XXXX from XXXX VA, WHY? FOLKS LIKE THIS DO THIS..? XXXX TOLD ME THIS IS FRAUD!! Because they are trying to collect the WRONG AMOUNT, on your Wife 's Bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I completed the application for public service loan forgiveness in XX/XX/XXXX following 12 years in public service. I have spoken with Fed Loan Servicing several times since completing my application asking for explanations of why most of my payments were not accepted. They told me repeatedly they were not done reviewing and would be in a month or two. I would call again and get the same answer. When I called today I was told they finished reviewing, though they had made no changes since they told me over the phone, when I called in mid XXXX following receipt of a letter dated XX/XX/XXXX, they would be done reviewing at the end of XXXX. They finally told me today they would review no more. 

I am not sure what course of action to take at this point. Any direction you could give me would be appreciate. 

The following is an email I sent to fed loan servicing today after I was told they reached a final conclusion and would review my previous loans no longer : " My name is XXXX XXXX, date of birth XX/XX/XXXX. I am writing to request my loan payment be reconsidered for eligibility based on the new regulations of the Temporary Expanded Public Loan Forgiveness guidelines and because I believe some income based qualified payments were not counted. 

I began repaying my student loans to American Education Services in XXXX. Initially my loans were not consolidated. 

My loans were then transferred to XXXX XXXX  in XX/XX/XXXX, when they were consolidated. I believe the consolidated loan payments, which did not quality under PSLF guidelines, now qualify under XXXX. 

My loans were then transferred to XXXX in XX/XX/XXXX, where I then began on the income based repayment plan. 

I continued to make payments under the income based repayment plan from XX/XX/XXXX and do so currently. I have never been late for a payment so every single payment make should qualify. 

I deferred exactly 3 months ( 3 payments ) during the duration of time I have been repaying my student loans. The dates of those deferments were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

From XX/XX/XXXX through XX/XX/XXXX, I did not work for a qualifying employer so payments made during that time period do not count. 

According to my calculations, I have now made 107 payments, with the most recent being XX/XX/XXXX. I understand that number to be accurate for both my XXXX loan as well as my XXXX   loan because payments for both loans are made together in one lump sum each month. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was on a special repayment program and I completed the terms. I then became unemployed due to no fault of my own and was receiving minimal unemployment payments. I tried to make ends meet, but my mortgage became behind and I had to stop paying on the credit card because my family needed housing and food more. I tried to talk to Discover and they were unwilling to help me. I could not get in touch with them often as I eventually went back to work and my work hours were the only times they were open. I tried writing to them and no response. They have since sent my account to a collection agency who will not return my calls or respond to my messages. I attempted to contact Discover because they have filed legal action against me without providing me with any details. Discover refuses to discuss any details about my account even though they have filed a court case against me. I have called them trying to work out a repayment plan with them for settlement but they refuse to speak to me. I have sent them payments when I had funds available to do so and they failed to report those payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSES. I HAVE HAD FOUR 30 DAY VIOLATIONS TO RESPOND TO MY DISPUTE LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSES. I HAVE HAD FOUR 30 DAY VIOLATIONS TO RESPOND TO MY DISPUTE LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.

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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a new debit card from Bank of America and purposely did not give the number to a merchant that was not delivering services as promised and to whom I was requesting a refund ( which they denied and we are now in a dispute of charges ). My new debit card number was provided to the merchant from Bank of America, who blamed Visa, could not point out where I gave them permission to release my personal banking information to a merchant, and said its written somewhere in the small text of my initial banking agreement and I shouldnt complain because all banks give your replacement card number away for recurring payments. This is a blatant violation of my financial privacy and an unclear, obscure hidden policy that seems to go against the grain of consumer welfare.

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 2020-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a victim of ID theft. I have a account with Navy Federal. My account is currently restricted for things I do not have any knowledge of. There was disputes going on with other consumers that I do not have any knowledge of, and for that particular reason Navy Federal placed my account in security. I sent Navy Federal copies of police reports so that I could continue to use my account and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have a collections account in the amount of {$430.00} that is being reported by Midland Credit Management in error. 

Midland bought my account from XXXX XXXX  in XX/XX/XXXX. On XX/XX/XXXX, I wrote to XXXX and Midland asking for the date of delinquency because I believed the debt was to old to be reported on my credit file. Midland sent a letter, in XXXX, which I dont speak. However I was able to have the letter interpreted and was told that it stated an investigation was being conducted. 

I received two letters from XXXX XXXX dated XX/XX/XXXX. One letter stated that they contacted the credit agencies and asked for the trade line to be removed from my consumer credit report. The other letter from XXXX directed me to contact Midland for any questions. I tried to contact both via telephone to find out the status of my inquiry to no avail. 

I want to know what is the status of my inquiry to both XXXX and Midland and when will the incorrect trade line be removed from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I initially contacted the creditor ( Financial Credit Network ) to resolve this debt, but not getting info by law i should have. I provided all necessary insurance information from my primary insurance coverage in XXXX XXXX for my XXXX, I was told that the XXXX  facility would take care of the billing and that my co-pay was {$100.00}. I made the Co-payment in order to proceed with the XXXX  appointment and the billing staff informed me they would get back with me the following day if any issues came up. Since I did not get a call back I assumed that insurance had taken care of the bill ( Billing Dept confirmed prior, if nothing is wrong, then you are good ). I monitor my credit report updates weekly/Monthly but did not see the debt reported till mid year ( XX/XX/XXXX ) stating my account was past due since XX/XX/XXXX ( 14 days after the appointment ) or resolved/updated/removed. I have been trying to dispute the multiple inaccuracies from all three Bureau 's for yrs ( amount due, original amount, date opened, etc. ), but somehow the 3 Credit Agencies keep saying this company has met their reporting requirements. I kept asking for proof from both sides to verify this data from the collector & Bureaus, but just kept getting the same answer ( we dont provide statements, we can give you a settlement payoff only ) or hung up on. My credit report has showed a balance due of { {$400.00} } for 5.5 yrs, but 2 of the 3 reporting agencies showed high balance of {$500.00}. Agency 3 of 3 said highest loan amount was {$0.00}, however, when I called the Financial Credit Network company I was told the amount due was { {$600.00} }. So if that is accurate, why do all 3 credit reports dont reflect this increase monthly over time? This is just 1 of many errors i requested proof of in order for this collection to be valid. The letterhead info, balance due, owed, open dates, last reporting dates, etc. doesnt match across all 3 bureau 's which adds more inaccurate info being reported as well. After receiving the payoff letter that i had to yell/demand in writing, just to get some sort of legit proof ( so i can take legal action ), i then wrote to all 3 Credit Bureau 's a very detailed individual letter outlining the inaccuracies across the board as proof of these errors and as of today XX/XX/XXXX, only 1 of these 3 ( XXXX ) has removed it from my report. I have done everything i can to provide these detailed explanations with proof just to keep getting rejected. Maybe its an automated robot investigation and not a human? i dont know, but its not following the laws they are required to do so, therefore i am done trying to explain it over and over to them. Please help, They refuse to remove all these errors and its really effecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was the victim of a scam through sellers, while trying to gain housing in XXXX at the end of my military service. The scammer had me send him a deposit and first months rent in 4 payments of {$750.00} totaling {$3000.00} before completely disappearing. I contacted my bank Filed reports with the police FTC & IC3 & my bank still isnt willing to assist me or provide me with the necessary information to take the scammer to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have submitted this complaint previously ( XXXX ). You sent the information to Wells Fargo which is where I started, and their response was they needed more time. Ultimately they said what they'd said previously which was, you are responsible, even though they couldn't produce any evidence whatsoever indicating I had ever asked for, attended a meeting for, or supplied identification for a LOC - since I had not. They even acknowledge that my spouse, now deceased, authorized auto-deductions from my account to make the payments. A banker at my local branch referred the matter to the " Building Trust '' unit, who didn't respond with anything other than a claim number. I need actual help to get this fraudulent loan behind 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 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX saying my XXXX ID, and subsequently the apps on my phone, had been compromised. I was told that there were some suspicious charges to my accounts and that we would need to reset my passwords to prevent further fraud. The person on the phone had remote access to my computer and went through various " security precautions '' to prove it really was XXXX on the line, so I believed them. They told me there were fraudulent attempts specifically with XXXX XXXX, XXXX and XXXX, and that they would help me set up two-factor authorization to improve my account security on the back end. Following our call I called XXXX back to verify if I had actually been speaking with one of their employees and they told me it was not - they would never initiate a call unless requested by the customer. 

That's when I checked my bank account and saw the following charges : XXXX - {$500.00} XXXX  - {$490.00} XXXX - {$100.00} I believe there were other charges but they were declined as my account did not have sufficient funds. 

I called Bank of America immediately to report this and they told me they were opening a claim to investigate. In the meantime, they posted a credit to my account in the amount stolen. 

In XXXX I received a letter from Bank of America saying my claim was denied and that the funds would be removed from my account. I called them immediately saying this was unacceptable as I was the victim of a crime, and the person I spoke with said they would re-open the claim to investigate further. To my surprise, the funds were still removed from my account on XX/XX/XXXX. This wiped the little I had in my accounts, leaving me with a balance of - {$930.00} in Checking and {$0.00} in Savings. My next pay day would not follow for 8 days, so I called Bank of America immediately that day and spoke with several people for over an hour. They said they were still looking into the claim but would not be able to post a credit to my account as it had been rejected the first time. They also told me the claim had been rejected as this was considered a phishing scam, not fraud. They told me it would take 45 days to re-review my claim and there is no guarantee that it will be approved then, and I may not get my money back.

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 2020-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my credit.

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 2020-03-03 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my credit.

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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I applied for a American exspressDelta sky miles credit card XX/XX/XXXX online.The advertisement said apply and receive XXXX Delta sky miles if {$3000.00} in purchases are made in the first 90 days of card activation.I received card and activated card and made over {$3000.00} in purchases inrequired time. I inquired when the bonus miles would be added to my account many times. after 2 months I was told the miles would not be given as I had had this offer before. I believe the card should not have been issued if I wasn't elgible.I was notified of this XX/XX/XXXX. 
my attourney sent a letter to American exspress XX/XX/XXXX requesting the bonus miles be put into my account they refused.Now I look to cfpb for HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Bass & Associates, P.C., Attorneys at Law
State: OH

Complaint narrative:
I have tired to get my loans permanently discharged due to my XXXX  XXXX  which basically bars me from a career in my field. I had asked when I applied at the college if a career would be possible with the XXXX  and was told yes. I have not been able to find gainful employment since.Over 10 years out of college. I have debt from XXXX XXXX University   XXXX, The University of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been sued for loans I don't think I even own from XXXX XXXX in XXXX County. I just got a letter from Student Loan Deptartment from the US Department of Education stating I owe {$170000.00} with interest of {$48000.00} and fees of {$27000.00}. I had filed for a discharge years ago and have never received an answer to having XXXX  for a loan discharge before I ever went to college. They have also taken the loans off my credit report and then relist them under new names for the same debt. They are getting ready to try this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
I was on a special repayment program and I completed the terms. I then became unemployed due to no fault of my own and was receiving minimal unemployment payments. I tried to make ends meet, but my mortgage became behind and I had to stop paying on the credit card because my family needed housing and food more. I tried to talk to XXXX and they were unwilling to help me. I could not get in touch with them often as I eventually went back to work and my work hours were the only times they were open. I tried writing to them and no response. They have since sent my account to a collection agency who will not return my calls or respond to my messages. I attempted to contact XXXX because they have filed legal action against me without providing me with any details. XXXX refuses to discuss any details about my account even though they have filed a court case against me. I have called them trying to work out a repayment plan with them for settlement but they refuse to speak to me. I have sent them payments when I had funds available to do so and they failed to report those payments made. Glasser and Glasser agents refuse to return my calls or messages and refuse to offer a reasonable repayment option.

Company response to consumer: Closed with explanation