vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: NJ

Complaint narrative:
My Daughter, XXXX XXXX, visited XXXX XXXX ( Part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for routine vaccinations. She had XXXX XXXX XXXX XXXX XXXX at the time. There was a coding error between the doctor 's office and the insurance company which denied coverage for 2 vaccines ( {$150.00} and {$240.00} ). I started receiving bills from XXXX for {$390.00}. I discovered the coding issue and it was resolved in XX/XX/XXXX. At that time XXXX XXXX paid for the service. But I continued to receive bills for {$390.00} from XXXX. Every month I would receive a bill and every month I would call them and challenge it and tell them that they had been paid. I sent them the XXXX XXXX statement monthly to prove it was paid. But I still receive bills from them monthly. XXXX has now taken the step of referring me to a collection agency for a bill i do NOT OWE! I am at a complete loss as to what to do. I am stuck in a vortex of incompetence with XXXX billing department. 

The attached documents show the bills from XXXX and the Collection agency with the description of charges ( Vaccines for {$150.00} and {$240.00} ) I also attached the XXXX XXXX statement that clearly shows on page 2 that these services have been paid. 

Please make XXXX stop sending me these bills. Please try and reverse the damage a Collection Agency can have on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I began getting really harassing calls by ACE Cash Express, but it turned out to be a person working on behalf of them threatening to sue me and saying that I will be subpoenaed within the hour and all my bank accounts frozen. Then she was extremely aggressive to take payment and I told her I cant afford to pay off the loan. She then said my only option was biweekly payments of {$470.00} which is outrageous and I cant afford but of course I accepted because I cant afford to pay lawyers and go to court. I just want to make lower payments but she didnt care to listen. If theres anything that can help me please let me know, I could barely afford food right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Auto has reported false unverifiable information on my credit for five years. Disputing the information has not been updated or any changes after each dispute. The payment history, dates, & amount owed is incorrect. Capital One refuses to fix the errors so Ive requested they delete the items from all three credit bureaus. There has been no changes and the repossession was from three years ago is being reported as repossessed last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I had defaulted on one student loan with the Higher Education Student Assistance Authority in XXXX but have consistently made a loan payment to them for over 8 months. However, on XX/XX/XXXX, I filed chapter XXXX in the state of NJ, docket # XXXX and I am currently under protection of the automatic stay but I continued to make a payment of {$120.00} in the month of XXXX but did not for XX/XX/XXXX because I had no obligation to as a result of the chapter XXXX filing. I called HESAA several times and gave them the docket filing number, I also faxed them proof of filing twice and I also emailed them. They consistently deny being notified by myself and the bankruptcy court of the filing though the phone conversations where I state this fact are recorded with each call. On XX/XX/XXXX, I received a letter from HESAA from XXXX XXXX that they have cancelled my repayment arrangement which has been in place up until I filed chapter XXXX, I made a promised payment every month and they are choosing to violate the automatic stay and cancel my repayment arrangement which was in place prior to filing chapter XXXX. They are in violation of the automatic bankruptcy stay in pursuing collection activity against me and cancelling my repayment arrangement prior to the chapter XXXX discharge though I also told them I would be resuming payments after the discharge occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: WI

Complaint narrative:
I would like to Lodge a formal complaint against XXXX, as I had a Sale Mae/Navient loan. I had called several times to ensure I was eligible for loan forgiveness, as I was a teacher. I was told I was on track, but every person I talked to told me something different. 

In the end, it turns out that because I paid more than a minimum monthly payment, I was not eligible for loan forgiveness and none of the payments I had made would qualify for credit towards forgiveness. 

We ended up paying the balance off ASAP to be done with the mess, as I was given faulty information on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Company calls on sundays when its against the law to call for debt collection

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 2019-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
Have been working with Selene Finance since last year on loan modification. We have been providing them the documents that they ask for, but the list keep changing as to more and more paperwork. Just gave them the last set of paperwork XXXX weeks ago. All this time while pursuing the modification and its pending status, XXXX has had their attorneys pursue a dual track by continuing court action. I am told this practice is illegal and called DUAL TRACKING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens bank has increased my HELOC rates over 3 % over the last three years. My rate is well above the national average yet I am in good credit standing and have never missed a mortgage payment. 

When I called Citizens Bank in winter of XXXX they told they couldnt help reduce the rate until XX/XX/XXXX. I tried reaching out back out in XXXX and have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I made two payments on my Walmart and one of the payments were returned in error from my bank. By returning the payment Walmart Synchrony Bank closed my store credit card account. I called my bank and received a letter from them stating the return was in the banks error and not mine. which I have attached to this complaint. Synchrony Bank Being so big it is extremely difficult to navigate through the representatives in order to to get this resoled correctly. I always seem to get the wrong information or the representatives doesn't seem to know what I am speaking about. So I have to make a complaint. I just want my account reopened and I will make the {$280.00} payment in cash to bring the account current.

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 2019-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
I signed up for a US Bank Mastercard in XX/XX/XXXX of this year at a retail merchant with the promise of receiving a {$100.00} credit/refund upon using the card for a purchase within 90 days. I made a first purchase within 2 weeks of activating my card. It is now 14 weeks since signing up for the card and I still have not received the promised {$100.00}. 

During several calls over the past 2 months, I have been told that I am : not eligible for the {$100.00} ; that I am eligible for the {$100.00} and I should be receiving it shortly ; that it can take up to 12 weeks from the date of purchase ; and now told that it can take up to 12-14 weeks from the date US Bank approved my card for the refund program - a date that US Bank now claims is approx 2 months after I activated and used the card. I believe I was sold a credit card under false pretenses and that US Bank is utilizing unscrupulous business practices to delay payment and accrue more interest. I filed a formal complaint with the XXXX. 

UPDATE : US Bank contacted me after reviewing my complaint with the XXXX  and promised in writing to issue the {$100.00} credit. I accepted their resolution and closed the complaint. A month later on XX/XX/XXXX, they sent me a letter indicating they would not honor that promise. I confirmed that position with a US Bank supervisor today. I will be exploring the option of filing a complaint with the FTC.

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 2019-07-14 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants is reporting collections to my XXXX union credit report from XXXX XXXX ; Acct # XXXX, date XX/XX/2016. Cable services were transferred to a different residential address but with the same cable provider. All outstanding charges were paid to XXXX, prior transfer of services or re connection. Per a XXXX representative, this old account isnt in collections ; nor was authorized to be sent to a collection agency. Ive sent multiple requests to have this false information validated and deleted from my credit report. Diversified has  maliciously ignored my request. The next option is consulting legal action with my attorney, of this false information being report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed.  Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. Navient is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: NC

Complaint narrative:
The 3 Credit Reporting agencies, especially TransUnion, are not properly investigating and removing disputed items from consumer 's credit reports. 

Consumer 's feel that the entire Credit Reporting industry is one big scam and it exists to serve Banks, Lenders and the 1 % only. There are so many corrupt practices in this industry to skew things in the Lender 's favor. There is no other system which the Consumer has less rights - where is the CFPB?

We would like the CFPB to start investigating and holding accountable the entire Credit Reporting system - we'd like the CFPB to start shutting down this system in favor of one that serves the consumers, not solely the Banks/Lenders/1 %.

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 2019-07-14 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: GA

Complaint narrative:
This is my third request that maybe use as proof in a court of law, for you to remove inaccurate information in my report due to identity theft. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.

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 2019-07-14 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: GA

Complaint narrative:
This is my third request that maybe use as proof in a court of law, for you to remove inaccurate information in my report due to identity theft. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14 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: FL

Complaint narrative:
XXXX XXXX is reporting collections to my Trans union credit report from XXXX Cable ; Acct # XXXX, date XX/XX/2016. Cable services were transferred to a different residential address but with the same cable provider. All outstanding charges were paid to XXXX, prior transfer of services or re connection. Per a XXXX representative, this old account isnt in collections ; nor was authorized to be sent to a collection agency. Ive sent multiple requests to have this false information validated and deleted from my credit report. XXXX has maliciously ignored my request. The next option is consulting legal action with my attorney, of this false information being 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 2019-07-14 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: GA

Complaint narrative:
To whom it may concern : written you three time already about accounts in my credit that do not belong to me, you have refused to remove from my credit. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from 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 non-monetary relief
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, Navient removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: PA

Complaint narrative:
This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX. XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.

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 2019-07-14 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: PA

Complaint narrative:
This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa XXXX that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.

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