vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NC

Complaint narrative:
The motorcycle accident took place XX/XX/2019. The only level 1 trauma center close was XXXX  XXXX  on XXXX XXXX XXXX in XXXX. XXXX  XXXX  is in my insurance network and my fiance called to confirm that our stay there was covered. My insurance company told her that because the accident resulted in life threatening injuries that any and all treatment inside of the hospital regardless of the provider on call would be covered. The XXXX XXXX billing department billed as they normally would and the insurance company declined to pay certain bills as a result of the bill coding. We spoke with the insurance company and as long as XXXX XXXX changed the billing codes and resubmitted everything the insurance company would then pay. This was about 22-23 months ago and to date there has been no resolve to the past due medical bills. My attorneys office as well as my fiance were unable to get responses from XXXX XXXX  regarding these and they have been left unpaid as a result. Thanks again for everything.

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 2021-07-14 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: NY

Complaint narrative:
XXXX  have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in 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 2021-07-14 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: NY

Complaint narrative:
XXXX  have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX  XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX  XXXX ACCOUNTS FROM XXXX OF XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX  XXXX XXXX  ( AUTO ) ACCOUNT FROM XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE IT.

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 2021-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX  XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX  XXXX ACCOUNTS FROM XXXX OF XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX  XXXX XXXX  ( AUTO ) ACCOUNT FROM XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE IT.

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 2021-07-14 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: Nelnet, Inc.
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
ORIGINAL PERSONAL LOAN - XXXX dated XX/XX/XXXX Amt Financed - {$1100.00} APR 40.47 % Finance Charge - {$410.00} Total Pymts Due - {$1500.00} Term - 18 mos 1st pymt {$100.00} 17 remaining Pymts {$84.00} Closed XX/XX/XXXX after 6 pymts totaling {$520.00} REPLACEMENT PERSONAL LOAN - XXXX dated XX/XX/XXXX Total Amt Financed - {$1100.00} APR - 40.80 % Finance Charge - {$390.00} Total Pymts - {$1500.00} Term - 18 mos 1st Pymt {$84.00} 17 remaining Pymts XXXX Paid Out - XX/XX/XXXX Received - Approx. $ XXXX for early payoff This is the result of a loan company taking a phone payment from me ( my routine method ) and a couple days later an " automatic payment '' from me that I did not go on its website to request. I was told I did. No. As a result, my checking account went negative and I was stuck with overdraft fees that XXXX  out my balance. Why would I do this at the beginning of a XXXX shopping/gift giving season? Loan officer said this could be resolved by closing out Loan No.XXXX and opening a new Loan No. XXXX that would include enough money to put my checking account back in the black. I believe that amount was about $ XXXX. I have had problems with what happened because not the norm at all. Would like to put this to rest by determining if money back from the closed loan is still due me or whether I have actually overpaid on this loan. It is just not clear to me. 

I have not talked with the Loan Officer because I consider this a very sensitive matter that requires second-party review that would satisfy my concern but possibly cause hard feelings if I am wrong. I have had a total of three loans from this company, the first being back in XX/XX/XXXX. It was a merchant installment loan and my fees/payments were lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
For the billing cycle ending XX/XX/2021, American Express made a change to the billing st

atement that is misleading and intended to inadvertently drive consumers to use the Pay Over Time feature, resulting in unexpected interest charges. As a result of changes, new charges over {$100.00} are no longer displayed under the " Pay in Full '' amount shown on the billing statement. Therefore, payin
g the " Pay in Full '' amount now results in interest charges being assessed. The true balance has been moved to lower prominence on the bill, including online bill pay options.

As a result of this change, I ended up with {$180.00} in interest. Although American Express ultimately waived and reversed those interest charges, this is a misleading change requiring communication with a representative ( in which they push additional offers ) and I do not believe American Express provided a clear notice to customers about this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
repeated calling and emailing for debt collection without disclosing the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: MidAmerica Mortgage Inc
State: WA

Complaint narrative:
InXX/XX/2019Mid America Mortgage stopped reporting to the credit bureau which caused my credit score to tank drastically. They have yet to report even after many attempts to get them to report. Credit bureaus will not allow you to report your mortgage even with verified payment from mortgage website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage company still has not paid my property taxes for year 2020. 
I have been calling them since XXXX and every time I'm getting the same answer " we are working on the issue and we are sorry ''. but no one can tell why ma taxes hasn't been paid. Last month I received a 2nd delinquent notice from my county. 

Amount to be paid is : {$8800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
My credit card with Discover suddenly stopped working after 6+ years of my being a customer ( never once did I make a single late payment ) and this morning my credit report informed me that my account had been closed. I received no notice of this, and upon contacting Discover the representative argued with me that they called me ONCE and left a message to call them back ( I have no such message ) absolutely sent me emails ( which they said during the call that the emails would be found in my spam folder as they were not sent by Discover??? ) and because I did not respond to their attempts to contact me they made the decision to close my account without ever informing me. I have always paid my bill on time, I have no idea what information they suddenly needed or why and I do not understand why they would make such little effort to contact me prior to closing my account without any notice or option to appeal. I would happily have obliged to work with them, but the C.S. rep told me that there was absolutely no way I was going to have the account reopened and that I was not guaranteed to be approved if I were to apply for another card - which I know, because in closing that account my credit score dropped nearly 100 points. This feels like a deceptive, unfair practice and is causing me greatly unnecessary harm both financially and to my credit score, all of which could have easily been avoided. At the end of the call, I told the rep that this was a XXXX excuse for customer service and I was hung up on. Most financial unions offer relief during this time, but I am being crucified for not receiving a single voicemail with no real information about what happened, that my account was in danger of closing, or what I needed to do to resolve it. I feel cheated and completely lost. Six years of loyalty and consistently on-time payments and this is the treatment I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I contacted the Navient in XXXX to renew my payment reduction plan, I was told it lasted for 6 months. At this time, the representative advised me that this would be my last opportunity for payment assistance because my payment with the assistance is too close to the normal payment. And when it gets within {$50.00} of the normal payment, I will no longer qualify for assistance. The payment reduction plan payments have gradually increased, I asked if it was based on income and was told that income is not a factor in determining if someone qualifies for assistance. It seems this program is designed to force people into paying the maximum amount regardless of hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
I am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my Equifax credit profile. On XX/XX/XXXX, our mortgage lender had to re-pulled what was supposed to be final credit for the purchase of my newly built home. When credit was pulled, they had informed me that they weren't able to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. 

My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold and the third mortgage ( XXXX ) was paid in full and closed. 

Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that what an account is closed the final MOP code reported should not be anything other than a 1. 

XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX Homebridge and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - XXXX  closed/paid in full after sale on home XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
In XX/XX/XXXX Usaa had an error for many users in its auto pay system. They told this directly to me. My payment was not collected and I was not notified about the missing payment. Typically I would be emailed a statement and then called several times before a 30 day period had passed. there system however never showed the payment as missed. The only reason I realized the payment had not been made was due to my credit score dropping about 150 points due to the 30 day late payment they reported to the credit bureaus. I immediately called and made my payment but even then they did not see the missed payment flagged and I had at that point already auto paid two other months. They offered to pay my late fees which they then realized didn't exist because the system never processed the missed payment as missed and then told me I needed to file a dispute with the credit bureaus in order to clear my late payment history and restore my good credit. I did this and waited the 30 days. They sent me a letter about 35 days later telling me they denied my request so I called them, the average hold time is about 40 - 120 min. The agent I called on the first second a third times over the next two weeks all told me that Usaa had indeed sided with me in the dispute and that my credit report should return to normal. Two days ago I called again on XX/XX/2021 because my consumer report that they told me to order to prove that my score would go back to normal still showed the late payment. I pushed hard with the agent I got and was able to escalate to an advanced soultions team who were able to verify that the letter they has sent me was indeed the ruling that usaa had made and that he wasnt sure why the other agents had told me otherwise and that he didnt know and couldn't find out why Usaa had ruled that way and that all I could do was file the same dispute again. I spent more than 14 hours of time on HOLD trying to talk to Usaa just trying to figure out what was going on and there is no other recourse other than this report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have a American Express serve card that XXXX XXXX gave to me and they closed my account for no reason given they told to write a letter I just want my money I have over XXXX dollars in there

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Company violated the fair debt collections practices act by implying that the debt had been sent to an attorney. After notifying them if the violation they removed the comment from my file where they stated it has been sent to an attorney, verifying guilt. Item should be removed. 

They are trying to collect more than the debt amount listed by the original creditor, not because of fees or interest, they just have the wrong amount listed. This violates the fcra. The item should be removed. 

They sent me an unsigned blank binder as verification of the debt. They are verifying the debt with a blank document. This is fraud. The item should be removed. 

I never opened this account, this item is the result of identity theft. As proven by the unsigned blank binder that they are using in an attempt to fraudulently verify the debt. The item must be removed.

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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Mn Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re : Alleged Original Creditor : Jefferson Capital Systems, Inc. 
Alleged Original Creditor : Account number : XXXX XXXX XXXX XXXX Name : Jefferson Capital System , Inc. 
Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$1900.00} Current Creditor : J

efferson capital systems , Inc . Dear Jefferson Capital Systems, Inc
. 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX

Company response to consumer: Closed with explanation