vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
I filed bankruptcy XXXX of 2016 this debt was included in my bankruptcy and I have called and called only to be told that they have received my paperwork and to give them 8 weeks to resolve the issue and here we are over a year later and still has not been fixed!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XX/XX/XXXX if the following 3 accounts are not deleted by XX/XX/XXXX. I have already waited 6 months!! XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ARS ACCOUNT RESOLUTION Account Number  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 2017-06-22 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: J&L Collection Services
State: CA

Complaint narrative:
For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XXXX XXXX if the following 3 accounts are not deleted by XXXX XXXX. I have already waited 6 months!! J & L TEAMWORKS Account Number XXXX J & L TEAMWORKS Account Number XXXX XXXX XXXX XXXX Account Number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I submitted a request to recalculate my income-based repayment ( IBR ) amount in XXXX 2017 to FedLoan Servicing ( FLS ). I did this because my AGI had changed since my previous calculation of IBR. This normally takes 7-10 days, but for some reason it took almost a month. However, I did get a new amount at the end of XX/XX/XXXX( approx. {$310.00} ), and was issued a bill at the beginning of XX/XX/XXXX to be autodebited XX/XX/XXXX. Then, a few days after I had gotten the bill, I got notice that my IBR amount had changed. When I logged in, not only had it changed for {$410.00}, but they had placed all of my loans on administrative forbearance. This was entirely without notification or my consent. I called FLS, and after a lot of investigation I was told my account had been " reviewed '' and the reviewer had decided my original amount was incorrect and recalculated it as {$410.00}. Again, this was all without notification and consent. When the person on the phone reviewed my documentation, she determined that the amount had been right the first time, and told me it would be reinstated. However, a few days later when I got notice of the " new '' amount, which was supposed to be the old amount, it was yet another amount, this time {$360.00}. I called back, and again someone told me it would be fixed, but now it 'd be fixed too late for me to be able to pay for the month of XX/XX/XXXX. I 'm in PSLF so every month of on time payment is important to counting to my 120 payments. Also, the forbearance caused the capitalization of interest, increasing my loan amount. After complaining to at least 3 more people, I was told it would be referred to the audit department, and IF they determined it was not my fault that this had happened ( everyone I 'd spoken to agreed it was not my fault ), I 'd be allowed to make a payment sometime in the future ( she said it 'd be several months ) that could " count '' as my XX/XX/XXXXpayment, and go towards PSLF. I had to complain to several more people before it was fixed, and I am now scheduled to make my actual payment of {$310.00} on XX/XX/XXXX, but I 'm holding my breath, because who knows what will actually happen. It 's incredibly concerning that they can just go in and change the amount that 's due without any notice or consent from you. This is not the first, and I 'm sure not the last, time I 've had serious problems with this loan servicer, and every other servicer I 've ever had. The level of incompetence, lack of transparency, and customer service is mind-blowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: Receivables Performance Management, LLC
State: MN

Complaint narrative:
I called  XXXX  and try to find out why my bill was {$1700.00}, and   XXXX   XXXX   finance department stated the account is with an outside agency then transferred me to RPM ( Receivable Performance Management ). I tried to explain my situation to the first agent at RPM, she discontinued the call. I tried again, it was discontinued and the third time it was transferred to the escalation department.
<P/>
The RPM escalation department agent then gave me two options, dispute the balance immediately or request for a detailed bill from   XXXX   which will be sent to RPM to review then she 'll get in touch with me. She stated it will take about 30 days for RPM to receive the detailed bill from  XXXX . If I decided to dispute the balance now, then she could go ahead and do that. But, after the dispute she 'll need a bill to review the items I am disputing ( which does n't make any sense to dispute now if she needs a detailed bill from  XXXX  to begin with. ) While talking about these options, the agent told me I have 89 days until they put this on my credit bureau and ruin my credit. A reminder this 89 days is counting down while   XXXX   and RPM figuring out their processing of receiving and sending the detailed bill.
<P/>
I tried to ask why that is and the agent told me there is nothing I can do about it. Then stated she 'll start with the dispute now. She stated there 's nothing I can do about it as if I do n't know my rights. She also suggested I pay the bill now and dispute the bill items later, which I think is ridiculous because the bill is not yet verified.
<P/>
Furthermore, RPM never once sent me a letter at my house which they claimed to have done. I asked if they could send me a letter again, they said they already have sent it and will not send it again.

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 2017-06-22 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: TN

Complaint narrative:
I recently learned how my identity was stolen. In XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XXXX/XXXX/XXXX. ( XXXX/XXXX/XXXX ) is my date of birth. My former employers have been changed. XXXX I worked for XXXX XXXX. XXXX I worked for XXXX XXXX XXXX XXXX.
XX/XX/XXXX- XXXX XXXX-XXXX  XXXX XXXX and XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XXXX I lived at 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 allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.

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 2017-06-22 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: TN

Complaint narrative:
I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX
XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX XXXX I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I lived at 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 allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXXwhen began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: TN

Complaint narrative:
I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX. The XXXX XXXX. XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX. XXXX XXXX XXXX allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our deceased father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.

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 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I applied online for the Bank of America XXXX XXXX Signature Visa and all of the benefits that come with that specific card. I was instead automatically approved for an XXXX XXXX Visa  Platinum plus card with a different annual fee and none of the benefits. Thinking this was a mistake, I applied again for the XXXX Visa Signature Card and the application went pending. I called BofA to see what was going on and they said they could approve me for the Visa Plat if i chose to. I chose not to but asked to have someone else look at my application for the Visa Signature card. He they asked if I consented to have my application reconsidered and i said yes. He then approved me for the other card, a Visa Platinum and claimed that I had never applied for the Visa Signature. I was escalated to a supervisor and she claimed my XXXX credit score and XXXX  income did not qualify me for the Visa  Signature and they decided to automatically approve me for a card that was not marketed at all on their application page. BAIT AND SWITCH. This is very deceptive. Definitely a UDAAP issue. I did some research online and there are HUNDREDS of other people who have complained about this same deceptive marketing practice. If you look at the link below, you will see advertising for ONLY the Visa Signature card and not the inferior yet still expensive Visa Platinum. There is no mention of the Platinum benefits or fees because they are inferior and nobody would apply knowing that they could be approved for the inferior card.
<P/> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never wanted the XXXX XXXX XXXX Platinum with a {$50.00} annual fee and sub-par benefits . Nor did I apply for it. Yet somehow I was approved for TWO of  them. I closed them but do not want them reported on my Credit 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 2017-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Universal Account Servicing, LLC
State: WI

Complaint narrative:
On XXXX/XXXX/2016, XXXX XXXX XXXX XXXX sold me a business credit builder and landing page design and they financed it for me through Universal Account Services. The amount borrowed XXXX from Universal Account Services. The credit builder turned out to be about 3 web pages worth of reading. There was no landing page design. When I asked about the landing page design, I was told someone would contact me. When they did contact me they wanted another XXXX dollars. So I hung up on them. Even though I try to make the payment to Universal Account Services, they keep drawing the money out of my account. I gave them permission to do this one time. But they are doing it every month. I really want them out of my bank account. The fact that XXXX XXXX sold me almost nothing for XXXX dollars I guess is the fault of XXXX XXXX XXXX XXXX. They completely misrepresented to me what I would receive for the payment. So I guess I am not sure if I should complain about Universal Account Services or XXXX XXXX XXXX. I would very much like to get Universal Account Services to no longer have the right each month to withdraw funds from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
DOVENMUEHLE MORTGAGE I have paid down my mortgage below 78 % from what i understand by law my mortgage company should just drop the PMI. They are saying i have to pay for a appraisal to drop the PMI. I got my mortgage XXXX/XXXX/XXXX. Its a waste of my time and my money ( {$620.00} ) to pay for a appraisal when house prices have doubled since i bought the home in XXXX. I pay my mortgage every month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of Identity Theft. Someone has placed things on my  XXXX  credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all  XXXX  credit bureaus along with multiple attachments as proof. By law, the  XXXX  bureaus had 4 days to block the information relating to the identity theft. Out of the  XXXX , only  XXXX  has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All  XXXX  of these bureaus should have blocked this information immediately and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Macy 's XXXX XXXX Paid {$4.00} in fees they said were due to them because I carried a previous balance.
<P/>
But then they charged me another {$4.00} for the month of XXXX ( {$2.00} ) and XXXX ( {$2.00} ). I am not paying anymore. I asked them to remove the charges today and I did not want to do business or receive marketing from them any further.
<P/>
I paid off entire balance prior to this and then they said if there is a balance they can charge a minimum {$2.00} fee. I disputed that with them via email, but went ahead and paid the first set if fees {$4.00}. I also discussed how they blocked us from paying an overage online to cover these fees when there was a balance. I previously was able to pay a bit more on the account basically carrying a credit balance so this situation did not occur. They did not address why they stopped customers from paying more on the account when I asked in my email nor did they communicate this change.
<P/>
Bottom-line is it one thing to charge for having a balance, but after the balance is paid it is another to keep charging people fees just to make money. I was a long time customer of this retailer since the early 90 's. Never again.

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 2017-06-22 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: CITIBANK, N.A.

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   /CBNA is s everely affecting my credit worthiness by having a inaccurate late payment on my credit report on  XXXX   2016 . I have contacted them severely time to only be treated rude and disrespectful. This is unfair to treat a consumer this way. My payment was submitted on time. However,  XXXX  process the payment late and inaccurately put it on my credit 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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Home Depot credit services called on XXXX XXXX, 2017 saying a payment was overdue. I told the person on the phone I had NOT received a statement from Home Depot. They insisted I make a payment over the phone, so without a statement to review I went ahead and gave them my XXXX XXXX checking account information to pay the balance in full and close my account. A couple of weeks later, I received a letter from Home Depot stating my payment was refused by XXXX XXXX. I knew this could not be true the charge was {$290.00} dollars, I immediately went to the local branch of XXXX XXXX they had no record of a transaction being declined on my account EVER. I then went to the local Home Depot customer service to straighten out the error it seems the person that called on XXXX XXXX  from Home Depot credit services did not enter my account information in correctly which resulted in XXXX XXXX being unable to process the payment on XXXX XXXX. Home Depot switched my statements from paper to estatement without my consent or knowledge with caused the late payment. Home Depot 's credit card services entered my checking account information incorrectly causing my payment which was one day late not to process. When I noticed a XXXX point drop on my FICO score I  called Home Depot 's credit card services and was asked by the person on the phone, what do you want me to do about it? I am considering cancelling my Costco membership and Citi savings account due to this unpleasant experience.

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