vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I submitted my salary cheque on XX/XX/19 on Tuesday of XXXX- dollars in bank Of America i called them on Thursday why my cheque. is not cleared they. said. for verification purpose. i said ok then on friday called again why my cheque is still on hold they said we don't know I asked them then who knows they said. specialized team and they also cant help you I said who is responsible for all problems I am facing in form of rejecting payments and late fees since tuesday they didnt cleared my payment even other bank cleared payment on XX/XX/2019 even i have statement of other bank I called them again they Were rude with me and said we don't need your way we will do it Our by own way i said where i can file complain give me email i'd so i can send cclearance statement they said they don't have email id or complain center I have family I have to pay bills my phone bill is due insurance I delayed some payments and some were bounced back since the hold one time. payments got rejected putting late fees and overdraft fees still i am seeking help nobody is taking responsibility and delayed payments Bank of America owe my money and not clearing My payment even other bank cleared it i am still wondering and seeking help. but nobody is helping and i am afraid because of non payments my credit will g0 down. and the charges i am facing nobody is taking responsibility now you are hope for me otherwise i have to go ' to court for help.

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Contacted Citi Bank regarding my Home Depot credit card on XX/XX/19. I could not access my online account and several failed attempts to reset the password, I called their customer service department. I was transferred to tech support, who determined the reason I couldn't reset my password was due to a missing telephone number on the account. He stated that it would be a simple matter for customer service to handle and transferred me to another person. The lady I spoke with continued to state she could not validate my identify, despite the fact I provided her with 1 ) last 4 of my ss #, 2. full name, 3. full mailing address, 4. Home Depot credit card number. She then asked me for my Primary Check Account number which I refused to give her. The call was escalated through 2 more people and my last conversation was with XXXX in the " executive response '' dept. She was able to add my phone number as I originally requested and she confirmed that an agent requesting my checking account information was not a valid type of identity verification at their organization. Twice, XXXX told me she believed the agent I spoke with misunderstood that I wanted to make a payment through her and that's why she asked for that information. That is ABSOLUTELY not the case. Clearly this representative ( who was very combative and unhelpful ) was trying to take information from me to do personal damage, which might have also included identify theft.

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 2019-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have now disputed this 2 prior times and I received a response that this is my collection debt. This is NOT MY DEBT and i have asked and asked numerous times to send verification if they believe this is mine. I show ID and for every medical appointment I go to.This is not my collection and I am in the process of getting a Mortgage and this is holding me loan up. Please remove this from my credit file as this is not MINE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( 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 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
On XX/XX/2018 I contacted Health Receivables Group. I wanted to pay a XXXX medical debt on my XXXX credit report. When I contacted them, they also stated, there was another bill in their office for XXXX. So I paid both of these. They also had more medical bills from when I became XXXX, so I made payment arrangements of XXXX a month to come out of my XXXX every month. I contacted XXXX and asked them why this was on my credit report still and they stated I needed to file a dispute. The dispute came back I still owed the XXXX even though I paid it. So I called Healthcare Receivables Group up and they said they never said that. I filed two more disputes and they it came back I still owed that amount. I am enclosing the credit charge to show that I paid that. The payment in the photo attachment is shown under HRG. And it should be removed. I am also stating if I am paying XXXX a month on the bills owed, they should be showing up on my credit report for the other medical bills on my credit report. But, they are not reporting the amounts on my credit report that I am paying like the other collection agencies and this directly affects my credit report which I am trying to clean up even on a small limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/19 my XXXX XXXX  account was frozen because of a court judgement from XXXX XXXX XXXX. I have never heard of this company and I no idea why I would have been sued by them. There must be a mistake that I am being blamed for. I am currently unemployed and looking for a new job. The money what was frozen in my account was to provide diapers and food for my XXXX small children, both under XXXX years old. I need to have this addressed as soon as possible. Please let me know how I can have this resolved.

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 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I sent : XXXX XXXX XXXX XXXX XXXX XXXX PRESIDENT OF MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 3 letters to verify debt they claim I owe and have not received any reply. 

I have never received any documented information in reference to this debt. 

Now i look at my credit to see why it dropped and i see this report saying I owe {$4100.00} to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I made a car on XX/XX/XXXX which was early then ended up buying a new car on the XX/XX/XXXX. Was told to call GM to get that payment applied to my new car i called on XX/XX/XXXX to see what could be done was no problem but it would take a couple days to update. Then i called in my new payment on XX/XX/XXXX. So i asked if they could just apply that credit to XX/XX/XXXX payment was told no problem it had to update on there was a XXXX different s. Asked to pay that told wait for it to update. Now calling back again to make the XXXX payment was they were not going to give me the refund n to make the whole payment n why would i believe. What i was told

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient and XXXX XXXX loan companies. I took out loans for my XXXX  and XXXX. I was told by the University that they have 98 % hiring rate for new grads. * years went by and I still could not find a job. I finally got one now. During those eight years I had to take jobs that had nothing to do with my education. I incurred huge interest on my loans. I started with XXXX in debt and now it is at {$200000.00}. There is absolutely no way I can repay this back with huge interest rate. These companies pushing me into forbearance almost encouraging me every time I call to ask a question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted my letter to all three credit bureaus to fix an error on my credit report in XXXX but they still have not responded or corrected the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I applied for a Citi Bank card because the rewards promised seemed attractive. I was granted the card. However, I did not receive a statement the first month. After a while I became concerned and contacted Citi. They said I owed a balance and a late fee. I paid the balance immediately. I complained about the late fee and explained I was waiting for my first statement. They said I opted for a paperless statement, but I know that is not true. I never choose paperless, especially not for a new account. If I " chose '' paperless it is only because they tricked me. They agreed to waive the penalty, and they did so. However, an interest charge of {$32.00} appeared on my statement. That is more than the late penalty. That is unfair because 1 ) the payment was only a day or two late, and 2 ) I would have paid on time if I had received a statement. I contacted City again and talked to " XXXX. '' She just gave me the runaround, claiming she wanted to help me but had no " authority. '' I think Citi intentionally misleads customers unwittingly into paperless statements because they want to trigger late payments, late fees, and excessive interest. Then they stiff-arm anyone who complains. It is a scam.

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 2019-01-15 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: MO

Complaint narrative:
I have previously submitted info to all three bureaus advising of accounts that we not mine and should be removed. The accounts have since then been clears from my reports except from Experian. In a recent report mailed to me from this company I see a XXXX  and XXXX XXXX accounts show on there and both of which are not my accounts and needs to be taken care of properly. The two accounts on my report is making it difficult to grow credit wise

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 2019-01-15 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: MS

Complaint narrative:
Also, XXXX  have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting.

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported.

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification.

Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher XXXX  contacted PER 609 ( a ) ( 2 ).

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. XXXX, Transunion, & XXXX  should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.

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 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Acceptance Corp
State: OR

Complaint narrative:
I had a vacuum cleaner company that came to my house and have me buy a vacuum cleaner, I hesitated, but they insisted I should use the vacuum cleaner and send payment to them, I had been paying them, and then I lost my job, and also seen that they vacuum cleaner was over prized, but I still paid them until I could not pay them any more because the vacuums cleaner price keep going up. And after sometime I was sued and taken to court by a certain company I did not know was not the vacuum cleaning company I used to make payments to too, and a judgement was entered in thousands of dollars. I tried to explain that the vacuum does not cost that much and that I have been making my payments but to no avail, now I can not not refinance my home, and my credit is ruined, I have a XXXX year old mother and I can not take care of her because I can not take out money from my house to help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I am filing a complaint against this collection agency because I disagree with the amount that the company is trying to collect : {$7500.00}. I have repeatedly asked for an itemized detail of the charges to show what constituted that amount. However, the collection agency only responds with a copy of the lease and a one-page statement that just says {$7500.00} on it. A copy of the lease and one page that says {$7500.00} does not constitute and itemized detail of charges. They have still not provided the information that was requested.

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 2019-01-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted my letter to all three credit bureaus to fix an error on my credit report in XXXX but they still have not responded or corrected the mistake.

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 2019-01-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted my letter to all three credit bureaus to fix an error on my credit report in XXXX but they still have not responded or corrected the mistake.

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 2019-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Dream Center Education Holdings
State: MA

Complaint narrative:
In the fall of XX/XX/XXXX I was attending the XXXX XXXX of New York. I became ill shortly after the semester began ; and per doctor 's order, I was ordered to rest at home for two weeks. I notified the school immediately and went home to XXXX to recuperate. The first week home I received a phone call and was told I could not return to the XXXX XXXX due to my missing two weeks of school. I offered to do any school work at home and was denied this opportunity. I literally begged to be able to do the class work from home but still denied. I asked for the loan disbursement of approximately {$6000.00} be returned to XXXX XXXX, my private loan lender at the time, and the XXXX XXXX refused. Over the years I have made occasional calls to XXXX XXXX, now XXXX, which were of no help to me. 

Since the XXXX XXXX of NY closed in XX/XX/XXXX, I was told to contact Dream Center Education Holdings ( parent company of XXXX of NY ) which I did. Again, no help to me. I was told to contact a CPA firm  in Pennsylvania who is handling the bankruptcy of Dream Center Ed. Holdings. Can someone please help me get this {$6000.00} loan discharged or forgiven?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: CO

Complaint narrative:
In XX/XX/XXXX, we lost our home to foreclosure. The home was sold for the debt and it was paid. There was a second mortgage of XXXX that was written off and we paid federal taxes on this as income in XX/XX/XXXX. Ditech has been sending letters to my husband about this for years, attempting to collect, but the case was closed. Now, they are sending letters to me, and my name was never on this loan. Please make this company stop sending these bogus letters. We have contacted them repeatedly to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
Correct insurance was provided to the hospital. The hospital used expired insurance instead and we were never informed about it. We monitor our medical claims and nothing came through medical claims and we were unaware. Suddenly this collection claim showed up on the credit report ( claim amount = {$2400.00} ). Once we investigated we found out that the charge was incorrect since insurance was never used. If insurance is used this amount will decrease by 80 % or more.

We contacted collection company on XX/XX/XXXX and they advised us to call back in two weeks. We called them today ( XX/XX/XXXX ) and their agent with very hostile attitude responded. She wouldn't let me talk. She promised to contact us when the correct amount is settled or if they have question but no estimate was provided. I asked if they will fix the credit report since the charged amount is incorrect due to hospital not using the provided insurance they said it will be at the discretion of her manager. If it is incorrect charge they should fix it as they claim to report correct information, which is the case here.

In summary, the charged amount is incorrect and we didn't know about it since insurance claim was not filed. Now they are being rude and instead of trying to help they are ignoring the fact that it is their fault to begin with. We are requesting them to process correct insurance as they should have to begin with and remove it from credit report since it is their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C.
State: IN

Complaint narrative:
This auto loan was forced XX/XX/2015 under misleading statements and claims by the Dealership XXXX XXXX representative XXXX XXXX in conjunction with XXXX XXXX XXXX. I have been targeted as well as others in a scam that ultimately lead to the surrender of the vehicle.

There are multiple cases filed in Indiana against this dealership that targeted individuals in XXXX  Indiana under false pretenses to scam & collect funds from sales of vehicles. Some individuals did not even get titles on said vehicles.

I was told that I only had 12 payments to make to complete sale of vehicle. The previous manager at XXXX XXXX XXXX, XXXX  was fired due to this situation with me including others.

This long ongoing ordeal caused me to have to file bankruptcy then ultimately surrender vehicle under the discussion that there would be no repercussions due to the falsified documents forced in conjunction with XXXX XXXX XXXX & XXXX XXXX at XXXX XXXX. There are other cases that are public records that can be found to support that this is factual and I am not the only victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation