vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
A collection item with Medical data systems is appearing on my credit report for which Im not responsible the debt was previously deleted in XX/XX/3018 at which time it was being reported by a XXXX XXXX XXXX XXXX and has now reappeared with a different collection number I have never had and contract or contact from the new collection company and the address they report has never been my address I have never lived at XXXX XXXX XXXX ln The debt was previously disputed and removed from file and should be removed again as the company had not provided an itemized bill or proof of service or contract 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 2018-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I called Navient on several occasions asking for All of my Monthly statements, but I have not received them. 
Since I didnt receive the statements I got a new loan through XXXX ( not knowing they were owned by Navient ). 
I am looking specifically to : late payments applied, misapplied payments, interest rate offered through XXXX at time of loan acceptance. 
I am No longer able to login to Navient to view my specific past monthly loan history. 
I believe the company has also changed the billing statements to be more confusing to the borrower. Originally, the balance would be listed after each payment, this was changed over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
According to the current servicing company XXXX XXXX XXXX XXXX, JPMorgan Chase Bank, charged my mortgage account a total of {$300.00} in fees called " corporate advance fees ''. Chase charged me XXXX almost everyday. I dont know why and they are lying about it. First they said it was a legal fee. Now they say it's for inspection fee for everyday for two years. My property was never in foreclosure with Chase. And they are taking advantage of hard working people. They bank are hurting people by stealing from us with unjustified fees. They do it little by little hoping people don't recognize their actions. Why was I charged these fees that XXXX XXXX XXXX XXXX forced me to pay. Chase and XXXX XXXX XXXX XXXX  are not working for the people. Their consumer are investor not working people. They are stealing money from us through illegal fees. Please help!! 
Give us our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I tried to dispute and resolve the debt with mcm in XX/XX/2017 but till now no one called me to resolve and no notification received

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: EQUIFAX, INC.
State: WV

Complaint narrative:
Ifiled Bankruptcy in XX/XX/XXXX, was Dischardged in XX/XX/XXXX. Equifax and XXXX still show the following : 1. XXXX as past due and in Collection. XXXX was Part of my Discharge 2.XXXX As past due and in Collection. XXXX was part of my Discharge 3.XXXX XXXX   as past due and in Collection. XXXX was Part of my Discharge 4. equifax does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I called mcm and told them it's a case of I'd theft and disputed but no validation received till now ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX refused to remove an item from my credit report that isnt mine they claim it is and they will not remove it I have have a credit agency contact them on 5 different occasions please help with this matter

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 2018-12-26 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: STERLING JEWELERS, INC.
State: WV

Complaint narrative:
Ifiled Bankruptcy in XX/XX/XXXX, was XXXX in XX/XX/XXXX. XXXX and XXXX still show the following : 1. XXXX as past due and in Collection. XXXX was Part of my Discharge 2.XXXX As past due and in Collection. XXXX was part of my Discharge 3.Sterling Jewerly as past due and in Collection. Sterling was Part of my Discharge 4. XXXX does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
Ifiled Bankruptcy in XX/XX/XXXX, was Dischardged in XX/XX/XXXX. XXXX and XXXX still show the following : XXXX. XXXX as past due and in Collection. XXXX was Part of my DischargXXXX 2.Nationstar As past due and in Collection. Nationstar was part of my Discharge XXXX XXXX as past due and in Collection. XXXX was Part of my Discharge 4. XXXX does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: PA

Complaint narrative:
I am disputing XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, and XXXX at the same ATM while I was XXXX card company has proof that I was XXXX  and still has not refund my money I have made a police report with the local police and they're investigating

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 2018-12-26 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-26 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account WELLS FARGO HOME MOR Opened Date XX/XX/2011 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO HOME MOR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery has entered incorrect dates for a balance they purchased from XXXX XXXX more than 5 years ago. Ive sent numerous letters in XX/XX/XXXX offering to settle the balance for 3 different accounts. Ive received no answer. I demand portfolio recovery remove this from my credit report due to age. They constantly update and change the dates the account was opened. Latest update shows XX/XX/XXXX when opened. I did not open this account as of the date they allege. Ive asked for documentation with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: Ditech Financial LLC
State: WV

Complaint narrative:
Die-tech Shows Me owing a Balance on XXXX and XXXX  this is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Mr. XXXX XXXX CAM Escalations Analyst you stated in your response to me that " 22 property inspections fees of {$14.00} each assessed by XXXX due to delinquent status of your mortgage loan between years XXXX and XXXX ''. However, a review of my mortgage history shows my mortgage payment was made for the months in that year. I can't see the justification of these excess illegal fees. My mortgage was not in foreclosure and not was it excessively delinquent. What are these ( 22 ) {$14.00} fees for?

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 2018-12-26 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: CADENCE BANCORPORATION
State: WV

Complaint narrative:
XXXX Shows Me owing a Balance on XXXX and XXXX this is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
XXXX XXXX XXXX, XXXX. filled suit claiming I owed the debt being reported as charged off and collection on my credit report. On XX/XX/2018 a Superior Court ruled in Summary Judgement on the merits that XXXX XXXX XXXX was not legally authorized to collect this debt and also ruled in my favor for motion to dismiss for lack of standing ( XXXX XXXX XXXX, XXXX. did not show they had a legal right to bring this action ). Case has been dismissed with Prejudice, without objection from the Plaintiff ( XXXX XXXX  XXXX, XXXX. ) see attachment of court ruling. I submitted the court ruling to the CRA 's disputing the tradeline with a copy of the court order. XXXX XXXX XXXX, XXXX. responded to the dispute indicating that the information was being reported accurately refusing to delete the tradeline. XXXX XXXX XXXX is listing this charge off and collection as the " original creditor '' and by continued reporting of this information after the Summary Judgement order is a FCRA violation and state consumer laws violations. XXXX XXXX XXXX is also in contempt of a court order as the judge has determined in ruling for Summary Judgement that I do not owe this debt to XXXX XXXX XXXX and therefore the item must be deleted immediately or they will face legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am working so hot .So open citi bank cheking account online. 
I make application on XXXX, citi bank sent email to me ( Thank you for your recent application on Citi Online or Citi Mobile for an account. Citi needs you to provide more information in order to open your account. Please click the Review Document link to provide the requested information. ) this is email onXXXX. I finish Document to them. 

But for some reason, the XXXX XXXX closed my checking account soon after. 
I called their department concerned to consult.They said they didn't receive my Document.Email can't be filled in OnlineI Don't understand. Why do they still have email to fill in for me? 

I hope to be helped to get a public solution. Thank you

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 2018-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
on saturday i purchased a tour in XXXX for me an my child with this card. i was excited about it. unfortunately the tour guide was not so good and it was not enjoyable. i did contact the company to let them know he did not speak loud for all he did not wait for all before he kept walking and i wanted some of my XXXX dollars back. i have heard nothing. i emailed. i will pay for the museum which was part of the money but noit tour. it was awful. every time i tried to connect with disputes i get disconnected. i have never disputed an item before with XXXX XXXX XXXX please refund half after talking to them XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I first got into XXXX due to the offer of a grant of XXXX after a year in school I noticed that the quality of the service was poor. Teachers will not show up to the class in many occasions class was cancel. Most of the class were giving by different substitute where everyone had a different teaching style. I was not learning anything at all. I pass the class and don't know how as the teachers was granting good grades to everyone regardless if they show up to the class or not. The grades was fraudulently granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
Hi, I am constantly being harassed by a company called Credit Bureau Systems. This company keeps sending me bills saying I owe medical debt, they've even placed a {$55.00} charge on my credit reports. Since I am on XXXX and have told this company they continue to send me letters and make phone calls about this supposed debt. I have never had any dealings with the above mentioned company and In no way do I owe them anything. Since this company continually sends me letters and continues to harass me by phone knowing I am on XXXX they are leaving me no choice but to obtain legal advice which is something I can't afford. This company needs to remove all information about me from there records and remove the negative reporting to the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have been trying to close a Best Buy credit card provided by Citigroup for almost three years without success. I have had a XXXX balance for almost three years and I am still receiving balance statements and the acccount continues to remain active. I have received FIVE balance statements in just this XXXX alone. I have contacted Citi DOZENS of times begging them to provide written proof my account is closed, as well as requesting to stop receiving balance statements but I receive more each month. This has been ongoing for almost three years. They will not stop sending me balance statements for a closed account. 


( XXXX XXXX XXXX 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 2018-12-26 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: IL

Complaint narrative:
I DISPUTED TWO COLLECTION ACCOUNTS SEVERAL TIMES WITH EQUIFAX NEITHER CAME FORWARD WITH ANY DOCUMENTS, SIGNATURES THAT I AM LIABLE FOR THESE COLLECTIONS JUST RECENT THE TWO COLLECTION ACCOUNTS WAS REMOVED FROM MY EQUIFAX CREDIT FILE THEN A DAY OR TWO LATER THEY WERE RE-INSERTED WITHOUT GIVING ME A FIVE DAY NOTICES OF INSERTION OF WHICH IS A VOLIATION OF THE FCRA LAW. YOU CAN NOT REMOVE SOMETHING THEN INSERT IT BACK WITHOUT SENDING THE CONSUMER PROPER DOCUMENTATION OF SUCH COLLECTION THAT THE CONSUMER IS LIABLE FOR EQUIFAX HAS FAILED TO GIVE PROPER NOTICE OF WHICH IS WHY THEY AS A COMPANY HAS SEVERAL LITIGATION OF LAW SUITS FILED UPON THEM DUE TO THE BREACH OF CONSUMER INFORMATION. ALSO I HAVE A ACCUNT THAT WAS REMOVED AND ITS STILL SHOWING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have a fairly new checking account with Suntrust bank. The set up the majority of my bills through their bill pay option. Because at least one if not two direct deposits enter my account every Thursday, I set up an recurring bill pay option for the funds to be issued on each Thursday or the following Friday. Through recent investigation i have found that several checks have been posted prior to the date of my enrolling of bills pay. 
check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 i contacted the bill pay department with suntrust and the representative completely agreed with what i was describing as an error. She stated that the funds would be returned to me as soon as she confirmed with her supervisor. When she came back to the phone, her entire demeanor changed and she told me that she was sorry there was nothing that she could do. I then called the bank to speak with a manager. I explained to the lady of the phone the scenario in which her reply was " If you don't like the way that the bill pay works, don't use it and pay your bills yourself. '' I can provide additional disturbing information about that particular phone conversation if needed. I then asked to speak with the manager. I was informed that she was unavailable at the time and my name and number was taken for a call back. I was on a conference call my my own job when the manager returned my call a few hours later. I called back within 20 minutes of her leaving a voicemail ; however, I was still unable to make contact with her. I again left a message for a return phone call, but I have yet to receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I applied and accepted a forebearance for my private loans in XXXX. The forebeaance was to start in XXXX. Come XXXX, Navient deducted the payment from my account. I called and they said that the representative who handled my forebearance forgot to cancel my payment ( I was on auto debit ). I received mutliple overdraft fees from my bank on this. It is now 3 weeks later and I have not received the refunded money. 
I called today - and was told it was processed on XX/XX/XXXX. I called XX/XX/XXXX. Not sure why this is taking so long, it is ridiculous. I was told it was a holiday - I called 3 weeks ago, way before a holiday. Navient system is disorganized, and unreliable.

Company response to consumer: Closed with explanation