vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( XXXX and Experian ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX  has been very successful and very helpful in removing the same EXACT accounts that XXXX and Experian failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.

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 explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On Saturday XX/XX/XXXX I opened a checking account at SunTrust online. I then went to the branch inside XXXX on XXXX XXXX XXXX XXXX in XXXX, GA and deposited two checks totaling {$2700.00}. 

On Monday XX/XX/XXXX, I directed my employer, the XXXX XXXX XXXX XXXX to send my direct deposit payroll to the new account. And I set up a XXXX auto-withdrawal using the new account for XX/XX/XXXX. 

Unbeknownst to me also on Monday the XX/XX/XXXX the Suntrust fraud department decided to close my new account. I went on XXXX holiday in Maryland and New Jersey and did not find out about the closure until I returned on XX/XX/XXXX. In their letter they stated my funds should be sent in 15 business days if they are n't forfeited. 

I called the fraud department on the XX/XX/XXXX but they had no information except to tell me to visit a branch. 

I went to the Sun Trust XXXX, GA office Tuesday XX/XX/XXXX and the fraud department would n't tell them anything either. 

Of course my payroll check then bounced on the XX/XX/XXXXt and I had to get XXXX taken care of, but I really need to get my funds back from them. I had XXXX XXXX on the XX/XX/XXXX with a {$1700.00} copay and was counting on using that money to pay the 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 monetary relief
Consumer complaint received 2017-12-07 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:
XX/XX/XXXX I submitted online app for a credit card with Bank of America, referred to as BOA through the remainder of this complaint. I requested a balance transfer on the app to be paid to XXXX XXXX in the amount of {$1100.00}. I received a phone call the next morning from the fraud dept of BOA said they were verifying if I had submitted the app and I confirmed I had.I thought that was odd as I 've submitted several online apps for cards and had never received a call like that. Did n't think anymore of it. The balance transfer was supposed to be paid within 2 wks. On XX/XX/XXXX I called XXXX XXXX to check if BOA had sent payment to them for the balance transfer and to my surprise they had n't. I then called BOA to inquire and the rep told me they did not pay XXXX XXXX but had paid my XXXX XXXX card balance of {$2200.00}. I asked her how did they obtain my XXXX XXXX card number because I did not list that balance to be transferred. She was puzzled as well and transferred me to the fraud dept. I explained my issue again and was transferred to the fraud dept supervisor. Explained my issue again and her response was " Well you must have given it to us, how else would we gave gotten it ''. I told her I noticed they had a phone number listed on their webpage for FRAUD WITHIN THE COMPANY maybe thats how it was obtained. I told her to pull up my online app and she would see XXXX XXXX 's balance of {$1100.00} listed to be transferred and not XXXX XXXX 's balance of {$2200.00}. She then told me I had to call XXXX XXXX and request they send the payment back to BOA. I did n't think that was normal protocol but I called XXXX XXXX anyway and explained the issue to them and they said BOA would have to request a refund of the payment. I called BOA back to let them know and to this day I am still waiting for someone to call me back. This has been terribly frustrating and this is a new account and I think it is despicable how they handled the situation. So nonchalant. I later read reviews of the bank and I wish I had did that research prior to submitting my application. Its companys like this that need to be penalized severely for their unscrupulous practices. I do have documentation to upload because of course they snatch your app offline as soon as its submitted and they did not send a confirmation so I have nothing to prove other than them accessing the application themselves.

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 2017-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
In summer XXXX I filed for an income-based payment plan ( my Loans were w/ XXXX at that time ) and was told that I would have a $ XXXX monthly payment. I also filed for the Public Service Loan Forgiveness program and as part of that application, my loans were then transferred to XXXX XXXX. Throughout late XXXX XXXX I made $ XXXX/month payments ( despite being on a {$0.00} income-based plan ). In XXXX XXXX I started to receive odd bills saying that I had owed $ 800- {$900.00}. Since I am a resident with a tight budget, I called about this major increase in bills. I was then told that I needed to go in to forbearance if I could n't afford this. As a result, ~ {$4000.00} interest capitalized on my student loans. I then filed a complaint with Federal Student Aid, as a I felt that my payments had been incorrectly calculated and I had been unnecessarily forced in to forbearance. It took nearly 60-days to receive a response ( to be fair, their site says it may take this amount of time ), and they found numerous errors in my account. I was told that in order to fix they issues they would have to de-convert my loans back to XXXX and then convert them back to XXXX XXXX with the correct payment info. That has occurred, for the most part. However, as a result of that process, my income-based payment plan has fallen off and for the past 2 months I have had to make payments of ~ {$2500.00} ( that is 89 % of my monthly income! ). I have been told that the only option I have is to cancel my direct debit and just " not make the monthly payments ''. I have not done that due to not wanting to default on my loans and I also do n't want to file for forbearance and have additional interest become capitalized. Furthermore, during this conversion/deconversion process multiple loans installments have been marked as delinquent and are now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and i paid of my balance for wells fargo already cause i had a checking account with them before. I paid {$30.00} yestraday and the rest today. I was trying to open a new account but it was not letting 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 2017-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am requesting a modification with a 2 % interest rate. I have already submitted an application for modification and it has been over 60 days. Please process my application for modification and provide me with an approved modification 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 explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX. c/o Resurgent Capital Services is reporting an old debt from XXXX XXXX XXXX  XXXX in the amount of {$590.00} to the three Collection Bureaus. This company is not a licensed collection agency in Nevada and I have learned that they have no right to attempt collection on this debt. I have re-established credit with XXXX XXXX XXXX and currently hold 2 accounts with them. I would like to request that this debt be disputed and removed from all three of the Credit Bureaus as soon as possible. As of XXXX/XXXX/XXXX, the debt is still showing on my credit reports and is bringing my credit scores down. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
after hurricane Irma I was given 3 months no payment to be added at end of mortgage. due to state of emergency. when I went to pay my XXXX mortgage it stated I was three months late. I contacted company to ask why. They stated they were told they did not have to honor that agreement and I had to pay 4 months now all at once.my job relocated after hurricane & house was for sale. closing XXXX/XXXX/18. they have ruined my credit and lied. we were in a disaster and company never notified me that they were not going to honor the agreement to thousand of people not just me. I want credit fixed and them to honor agreement and let me pay my XXXX and XXXX payment. & restore my credit so I may buy in area I work in now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX of XXXX we called our mortgage company ( Bank of America ) and asked if we could refinance at a lower rate with some additional funds to help us get through this difficult time ( unemployment ). It was then that we were offered a Home Equity Interest only Line of Credit. At the time the real estate market was booming and they offered us a huge loan. we were told we would qualify for the HARP program just take the line of credit, in addition to that, we were working with a representative never actually getting a modification payment. We were offered a payment that was higher in fact, so high we couldnt make the payment. This continued with XXXX XXXX a new representative because the other one was laid off. XXXX stated if I show good faith by making 3 payments they would continue to work with us and find a way to consolidate both loans. I asked XXXX XXXX If they could apply a percentage of debt forgiveness to make both loans affordable. Instead my 1st mortgage loan was sold to XXXX leaving me no other option but to pay both loans individually. Unfortunately for me I was not knowledgeable enough to get it in writing her promises before making those payments. 
The two loans would have totaled XXXX a month totally unable to make that payment while on XXXX. 
I have since called them imploring them to please work with me even as recently as XXXX/XXXX/XXXX. My original mortgage was with boa and they sold the loan to XXXX as soon as i made 3 very high payments to them deceiving me by not combining the two loans making them affordable to us. They lied so many time to me and worst part is they never gave me a modification. They never explained to us the fact that the mortgage was a priority not the line of credit. I never would have fell behind if i was n't paying the interest on the line of credit. I did n't understand my allegiance belonged with my mortgage. THEY ARE THE ONES WHO TOLD US WE WOULD NOT BE ELIGIBLE FOR ANYTHING BECAUSE WE WERE NOT LATE WITH ANY PAYMENTS!

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 2017-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C.
State: OH

Complaint narrative:
I mailed a certified validation letter on XXXX XXXX, 2017. Letter was received by company, and I received no validation of debt. They still to the credit bureau, despite not validating the debt belongs to 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 2017-12-07 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: TENET HEALTHCARE CORPORATION
State: OR

Complaint narrative:
Date of service was XXXX Billed on XXXX XXXX, XXXX Called XXXX, XXXX XXXX XXXX  and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to XXXX because the original credit reporting agency is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show XXXX the account as paid but they say they no longer have an account with me. XXXX has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to XXXX as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from XXXX they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXXl, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
The following entities have accessed information unauthorized : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I do n't know who the DEBT originated from. 

I only get 25 hours with XXXX XXXX with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! 

I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX {$450.00} per month and the leftover is {$550.00} per month or Annual Salary of {$6600.00}. Since this is my livelihood is {$6600.00} per year ; I will get a negative balance of {$6600.00} - $ XXXX XXXX! 

I ca n't pay the $ ( XXXX ) since I am negative!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charleston Area Medical Center
State: OH

Complaint narrative:
XXXX XXXX, 2017 I sent a certified letter to the company asking for them to validate the alleged debt. Company did not respond, or send any proof of alleged debt. They still continue to report to the credit bureaus without validating alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Checking on my credit report and noticed this account is open that should have been closed.

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 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit report shows presence of derogatory public record or collection, but am not aware of any. Also, shows a recent missed payment which I am also not aware of. I have tried calling but were not able to help me. This is found on credit reporter TransUnion. I also did notice a total amount of 14 hard inquiries which is much more than I remember. I believe car dealership checked loans with other banks without my consent. Please help, as I was not aware of any of these things. I am employed and a student. Thank you very much for the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to report possible illegal and deceptive practices related to my Capital One XXXX XXXX XXXX store card. I attempted to use my XXXX XXXX XXXX store card online on XXXX XXXX, XXXX. I received an error message, and contacted the number on the back of my card to make sure my account was in good standing. I was told by the representative the account was in good standing, and I had a credit to the account. I asked the representative if my account number was the same number on the card, and he replied yes. After almost two hours of difficulty placing this order, I called the card company again. I was told by another representative that my card was invalid, and that they had sent me a replacement card, that was returned due to an invalid address approximately two years ago. 

The representative was unable to offer an explanation as to why I was able to use an invalid card for two years both online an in-store without issue or notification from the card company. He was also unable to offer an explanation as to why the card stopped working on this date. I have spoken with the card company- Capital One on numerous occasions regarding this account, most recently on XXXX XXXX, XXXX, and was never notified that there was an issue. I was informed I would have to wait 4 to 6 business days to receive a new card, and I would not be able to complete my purchase that day. 

I then spoke with the representatives supervisor, XXXX, who was also unable to offer an explanation. XXXX informed me that, if I could provide him with my account number, he could give me the number for my new card to complete the purchase. I then gave XXXX my card number, which the representative I spoke with approximately two hours prior confirmed was my account number. XXXX then informed me that this was in invalid account number, and unless I was able to provide him with my account number from my statement, which I did not have, he could not give me my new card number. He advised me to get a copy of my statement online, but then informed me that I could not sign up for access to my online statements without a valid account number, so he could not assist me any further. 

After speaking with XXXX, I attempted to create an online account using my card number as my account number and was able to do so- indicating that my card number is, as the first representative confirmed, a valid account number. 

My account is in good standing and the company is preventing me from accessing it, citing inaccurate and conflicting information from multiple representatives. This also presents a potentially serious security issue- if my card has been invalid for two years, why was I able to use it? If my account number is invalid- why was I able to use it to create an online account? This is negligence. 

Thank you for your assistance.

Company response to consumer: Closed with explanation