vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a home loan with XXXX XXXX XXXX. My loan is set up on auto draft every month. I had made a change to increase the amount of principal of the auto draft. Unknowingly the auto draft was not processed for the month of XXXX and XXXX had never contacted me regarding the delinquency. XXXX had only reported the delinquency via credit reporting and thats how I found out. As soon as I had found out I paid immediately the past due amount. I still dont know why the auto draft was not processed. Ive contacted XXXX via phone and faxed letter asking to remove the delinquency notice and theyve refused. I believe it is their responsibility to notify me when their system did not process the the payment.

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 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I get repeated calls from Capital Accounts regarding collections for a medical debt of ~ {$50.00} ( from XXXX XXXX XXXX XXXX XXXX in XXXX ). I have formally disputed the charge, as I do not agree that XXXX XXXX    XXXX should have sent any bill at all. I have always paid all my bills, and of much larger amounts.I keep getting calls, and I have repeatedly requested agents from Capital Accounts to stop calling me. However, they keep calling, and are rude, and it seems their only goal is to harass me. Here is a brief summary : 1. I have a child with XXXX XXXX, and it takes specialized experience in dealing with such children to be able to Consult and treat them 2. When I took my daughter ( my son 's sister ) for her annual exam, I inquired at the office, and they informed me that their doctors have experience and will be able to examine my son 3. When I visited them with my son, the doctor was unable to do any exam on my  son and finally gave up saying he needs to be examined under XXXX. 
4. They handed me a 'treatment plan ' that required me to pay thousands of dollars. 
5. Subsequently, they sent me a bill saying that since they were not able to do a comprehensive exam ( which is covered by insurance ), they called it a limited exam. My point was that the doctor never really examined the child at all - and the doctor clearly had no experience dealing with Children with XXXX XXXX. Something the office made me believe to set me up for the appointment. 

In light of the above, the charges on this bill are fraudulent, and I should not owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The week of XXXX XXXX, XXXX XXXX  obtained my credit report unbeknownst to myself and made a redetermination on my credit worthiness, which resulted in a reduction of my credit limits on both my XXXX and XXXX XXXX credit cards, one by {$100.00} and the other by {$50.00}. Both cards have had consistent on time payments for one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
According to Experian, they say I have already received my credit report and not eligible for another one. In XXXX was my first time viewing my credit report since XXXX. I will need a free personal credit report. Also l believe my information is inaccurate due to fraud. I am requesting a credit freeze to be placed on Experian Credit Report. In addition please limit prescribed offers of credit, promotional inquiries and insurance based on information in my credit report. I am looking to seek damages from violators and dispute incomplete or inaccurate information. 

Sincerely,

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 2019-03-06 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: Monterey Financial Services LLC
State: NC

Complaint narrative:
Monterey Collection said the I bought an XXXX from them electronically, this is fraud and I have told company several times, they tried to get Money from my bank which was a fraud and my bank removed it because they knew it was a fraud, Now since I have been complaining money is add each time to the account from ( $ XXXX ), now I am making a complaint here. I want this off my report and they will lie and say someone else approved it who! NOT MINE. DID NOT APPROVE ELECTRONICALLY LIERS, AND I'M REPORTING TO POLICE DEPT. AS FRAUD. TRYING TO RUIN ME ON PURPOSE. MONTEREY COLLECTIONS I HAVE OFFICIALLY MADE A COMPLAINT AGAINST YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I bought the XXXX XXXX  ticket from XXXX XXXX XXXX to XXXX, XXXX. I was located in XXXX, La. and XXXX XXXX  offices in XXXX, Fl. I have paid in American dollars.To purchase the ticket I used the Bank of America credit card # XXXX XXXX XXXX XXXX. The bank charged me {$16.00} foreign transaction fee because " the transaction was processed by a computer located in XXXX '', explained XXXX the bank 's employee. The XXXX XXXX office in XXXX, Fl. deny this, saying the transaction was processed " here in XXXX ''. 
I want {$16.00} back.

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 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I owed the original debt to XXXX and fell behind due to the loss of my job. XXXX sold the debt ( approx. {$500.00} XXXX to Portfolio Recovery Assoc ( PRA ). PRA then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted PRA and XXXX to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL

Complaint narrative:
The first time she called, I told her that I needed some time to figure out when I could pay ... I was in the car at the time. I told her that I would call her back the next day, and I completely forgot. 

The second and third times, she was pleasant but getting increasing annoyed that I could not give her an answer. 

The fourth time she called, I was on a business trip out of state and in meetings all day. She was audibly angry that I was " putting her off '' and she hung up on me. She then called my wife. While on the phone with my wife ( after learning that I was in business meetings out of state ) she informed my wife that she would " call me everyday while I was there and maybe I would then respond ''. 

She calls from ( XXXX ) XXXX which my cellular network reports as " Possible Spam ''. Here are the dates and times she has called my cell phone : XX/XX/2019 @ XXXX XXXX  XX/XX/2019 @ XXXX XXXX  She called my wife 's phone : XX/XX/2019 @ XXXX XXXX  XX/XX/2019 @ XXXX XXXX  XX/XX/2019 XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
In the Year 2009 XXXX first I lost my home to foreclosure and the fist mortgage was settled and home was sold. XXXX XXXX forgave the balance of the loan How ever there was a 2nd mortgage and as of XX/XX/2009 there was never a payment on the XXXX. 

Now ten years later I get a bill ( Inclosed ) from Real time solution in XXXX Texas, XXXX. XXXX XXXXXXXX XXXX Texas, XXXX.I sent them a letter ( in closed ) informing them of the Statue of Limitations has passed but they say no! 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is charging me an astronomical fee for insurance that has lapsed for 11 months in 2018. I can not get insurance with a company due to the fact that the time has already passed. This should be against the law.

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 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2019 I made a {$1000.00} payment on my XXXX XXXX XXXX XXXX XXXX XXXX  ( CitiBank ). On XX/XX/2019, I noticed that Citi had charged my account for interest on a purchase made using the card on XX/XX/2019. 

I started a chat session with the company and they said that it was a 'technical issue ' and that they would reverse the interest charges. 

My concern is that I do not trust that there was any technical issue at all. I believe that CitiCard / XXXX XXXX XXXX XXXX XXXX is willfully and knowingly charging their consumers interest - and playing the odds - that we won't notice. It is highly unlikely that their computers would randomly and mistakenly charge interest as a 'technical issue '. 

The amount was minimal, but it was wrong. I should not have to contact the company, wait for 11 minutes on a chat session for a proposed resolution. I should not have to police this company to be sure that they are not taking advantage of me. 

I am awaiting a credit reversal for the interest and will need to watch all future statements to make sure that I am not taken advantage of again. 

My complaint is being filed in an attempt to avoid others, who may be less diligent with their finances, from being taken advantage of and wrongfully being charged interest where no interest is due.

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 2019-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA

Complaint narrative:
I have been requesting XXXX to unlock my account for over a year. I am unable to manahe my loans. I complained at CFPB and XXXX promised they would unlock ot. Yet my account still remains locked, and XXXX does not reply to my mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: Oracle Financial Group LLC.
State: IL

Complaint narrative:
Within the past week, I was contacted by Oracle Financial Group LLC three times with messages threatening legal action. They stated that I need to find an attorney that would be able to practice on sovereign land because I was being sued by a XXXX XXXX XXXX. I questioned this and asked that they send me this in writing. He said that I was sent documents at my old address and it was returned. I questioned this because my mail gets forwarded from my previous address to me consistently by the USPS, along with photos of each piece that is going to be transferred sent to my email. He became very defensive, aggressive, and hung up on me. Immediately, I started investigating the debt. I called the original debtor. They had just given the debt to an outside source, XXXX, within the month. I called that company and he told me that they are part of an investment group that gave the account to Oracle, with the phone number. Right away, I called Oracle and was directed to another person who demanded payment of the full amount owed or a settlement. I told him that Id call back. I got off the phone to consider how to make a payment towards the amount while feeling uncertain about this company because they will not give me anything in writing. When I talked to the original debtor and told her of the threats they were giving me about the XXXX suing me, she told me that it wasnt true. I proceeded to call Oracle back to make a payment but they were closed. I left a message. They called me back and left a msg telling me that the settlement offer was expiring. I called back and when I tried to make a partial payment while not financially being able to accept the settlement, they said they needed full payment only. They told me there no longer is a settlement offer. They wouldnt set up arrangements, which I asked for, and said theyd get back to me. Again, I asked for it in writing. Within the week, I have made several attempts to pay this. Every time I receive a call from them, its by one of several different phone numbers. This company appears to not be legal in the ways they communicate or conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AZ

Complaint narrative:
I am a current XXXX XXXX customer in good standing. I this bill is for equipment that was sent in error. I mailed this equipment back to XXXX XXXX, they confirmed receipt and in return sent to correct equipment. I have request this matter be cleared and debt removed however I have received the run around with no resolution. I do not owe this debt and I do not have any additional equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I owed the original debt to Belk and fell behind due to the loss of my job. Belk sold the debt ( approx. {$500.00} ) to XXXX XXXX XXXX ( XXXX ). XXXX then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted XXXX and Belk to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.

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 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I got a letter from First National Collection Bureau , Inc. saying that a judgement against me was in place by their client XXXX XXXX XXXX. and the original creditor was XXXX XXXX XXXX XXXX 
As of the date of the letter the amount owe is XXXX ... 
________________________________________________________ On XX/XX/XXXX, I sent my dispute to First National Collection Bureau , Inc . 
The verification sent to me on XXXX XXXX didn't prove I owe this debt. a copy of a credit card account with XXXX XXXX XXXX XXXX  that didn't have my information. A copy of a default judgement dated onXX/XX/XXXXwith State of New Mexico County of XXXX XXXX XXXX XXXX District Court .the balance was XXXX court costs {$160.00} and Attorney 's fees of {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: OH

Complaint narrative:
There is a CONSUMER STATEMENT on my Equifax report that I have requested to be removed since XX/XX/2018. I've requested multiple times via phone, via chat, via certified mail, via regular mail -- all to no avail. 

Consumer Statements are added at will by the consumer, yet Equifax refuses to remove the statement and always come back with a generic response saying the information is valid. It's a CONSUMER STATEMENT. If I want it removed, it's no longer valid. 

In addition, the statement was added without my consent -- thus disregarding that Consumer Statements should be added and removed at the consumer 's request. This is not something that should take so much effort. It should simply be removed because I am requesting it. 

Equifax is not investigating and they are not removing the statement. They're simply rehashing the same information without actually looking at the report. 

Again, remove the Consumer Statement from my report as it is holding up my mortgage approval process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: MN

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX XXXX XXXX. My XX/XX/XXXX payment is showing as 30+ days past due and is negatively impacting all 3 credit bureaus. I've had loans deny and my credit card limits are being decreased because they randomly " soft pull my credit score ''. I've disputed the transactions numerous of times and directly talked to XXXX XXXX XXXX. XXXX XXXX is informing me that they are notifying all credit bureaus that my XX/XX/XXXX payment is current and was not 30 days past due. However, when I talked to all 3 credit reporting agencies, they tell me when the send the dispute for XX/XX/XXXX, XXXX XXXX is saying I was 30+ days late and they will not update my credit report. I have worked extremely hard to repair my credit and I feel I'm being treated unfairly. I don't know who's marking the XX/XX/XXXX  payment as late but I'm sending my receipts as proof. Each time the submission was sent to the credit bureaus, I included a copy of my receipt but they told me they can't take my word and can only rely on what the lender is sending. 

I even told XXXX XXXX that credit bureau is saying they are marking XX/XX/XXXX was current but when the send the tape, it's showing late for XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: MN

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX XXXX XXXX. My XX/XX/XXXX payment is showing as 30+ days past due and is negatively impacting all 3 credit bureaus. I've had loans deny and my credit card limits are being decreased because they randomly " soft pull my credit score ''. I've disputed the transactions numerous of times and directly talked to XXXX XXXX XXXX. XXXX XXXX is informing me that they are notifying all credit bureaus that my XX/XX/XXXX payment is current and was not 30 days past due. However, when I talked to all 3 credit reporting agencies, they tell me when the send the dispute for XX/XX/XXXX, XXXX XXXX is saying I was 30+ days late and they will not update my credit report. I have worked extremely hard to repair my credit and I feel I'm being treated unfairly. I don't know who's marking the XX/XX/XXXX  payment as late but I'm sending my receipts as proof. Each time the submission was sent to the credit bureaus, I included a copy of my receipt but they told me they can't take my word and can only rely on what the lender is sending. 

I even told XXXX XXXX that credit bureau is saying they are marking XX/XX/XXXX was current but when the send the tape, it's showing late for XX/XX/XXXX.

Company response to consumer: Closed with explanation