vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Computer Credit, Inc.
State: GA

Complaint narrative:
On XXXX XXXX 2017, I took my XXXX boys to their routine XXXX appointment at XXXX XXXX in XXXX, Fl. I 'm covered by two XXXX insurance companies : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have been bring my kids to XXXX XXXX for years now and have never had a problem. I 'm always told my balance before I leave which is always a XXXX dollar balance for XXXX and a XXXX dollar credit for me. However, about three months ago, I get a statement in mail stating I had a balance of XXXX dollars that is owe to them. I felt this was a mistake and due to my family and I moving to another state at the same time, I failed to follow up. I noticed about a month ago that the notices was coming to my new address which at that time I called XXXX XXXX to question them about the bill. I was informed that the rep. that would be able to help me is at lunch. I questioned, is she the only person in the billing department that can help me, I was informed that, everybody else is also at lunch. I then proceed to call my XXXX  insurance company. I talked to a rep. that informed me she would handle it because XXXX XXXX did not you the proper guidelines when submitting a claim. They are suppose to file the claim with my primary which is XXXX XXXX and XXXX XXXX first, then XXXX. She informed me that once they did that, they will pay the claim. She stated she would call them personally and talk to them about this. I actually got a call back from her stating she did talk to them and everything should be fine. However, yesterday XXXX XXXX, 2017, I get a letter in the mail from a collection agency stating that I have XXXX dollars debt that needs to be address within 30 days. I call XXXX XXXX personally and talked again to a rep. This time, the rep from XXXX informed me that he did n't see where I owed a balance, then he said wait, let me put you on hold. He got back on the phone stated he would have to call me back. I than in turn called XXXX XXXX and told the rep my issue at hand. She stated she would call them now and give me a call back. She called me back and informed me that XXXX was told again that they have to bill my primary first and told them to expedite this claim due to the fact that have not followed proper process of filing a claim. In addition, she sent them the guidelines to following a claim the proper way. I thank her and informed her I will never deal with XXXX XXXX again and I need them to send me my XXXX dollar credit because I will never use their services again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted TranUnion about bankruptcy information that is displaying on my credit report to let them know that the information was not accurate. The bankruptcy did not belong to me. They said I needed to dispute the information on my credit report. I disputed the information onXX/XX/XXXX and the information came back on XX/XX/XXXX as being verified. While TranUnion was working on the dispute, I reached out to the Bankruptcy Court in XXXX to get information about the verification. They told me I could send a letter. I did and they responded to my letter by letting me know that they did not have information on file about me and that they did not verify any bankruptcies. They sent me this letter dated XX/XX/XXXX. I have scanned it in and will include it here. 
When I received the information from TransUnion on XX/XX/XXXX, I called them to inquire about how they verified this and the person I spoke with told me they verified it through the Court systems or a verified source. So I let her know that they did not verify it through the Court systems because I have a letter from the court system specifying that they do not verify bankruptcy information for credit reporting agencies. The customer service rep then said that it must have been verified by the outside source. I requested that information from her at that time and was told she could not give that to me. So how am I able to dispute the verification if they will not tell me who the source is so that I can write them for debt validation? I need to clear this up and according the FCRA, I should be given the information to clear up the inaccuracies on my credit report. I should have full disclosure. It is my credit report. I am trying to figure out what the problem is. This information does not belong to me and I would like it removed from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: IN

Complaint narrative:
On my equifax account there is an address reported that 's not mine I 've never lived there ... Also when I people search my name someone else 's info appears along with mine ... Here is the address that appears ... XXXX XXXX XXXX XXXX XXXX, MO XXXX ... it 's the address of a XXXX XXXX aka XXXX XXXX and XXXX XXXX .... My 1st married name was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XXXX Seller could no longer pay the mortgage on our previous house which was his home.. The owner 's wife had another XXXX and they had a loss of income and XXXX XXXX XXXX triple the payment on the mortgage. So the seller 's started a short sale process. They received and offer of XXXX and the balance was XXXX and a HELOC of XXXX. So with a loss of income. After many months of XXXX requesting documents repeatedly they received an approval for XXXX. After the home inspection was done the property was found to have around XXXX of section termite and repair work to be done. The first buyers walked. 

So it was put it back on the market. and received another cash offer. Again the amount of work caused these buyer to withdraw their offer. 

So this time we received another cash offer for XXXX on XXXX/XXXX/XXXX and the loan was sold to Shellpoint Mortgage Servicing and again they are stalling with this offer and Single Point of Contact is not returning calls with in the 24-48 hour guidelines and XXXX XXXX his supervisor has not returned the call. 

So the short sale is at an empass where comps of sold and active along with the new settlement statement to was provide Shellpoint XXXX instead of XXXX since the buyer is doing all the section 1 termite work.rather than a credit for the work. 

The house was brokern into last week which Shellpoint was informed and a requestto please approve the short sale. They are again stalling..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
LOAN NO.,XXXX
Seven months ago as inheritor of the Estate of XXXX XXXX (legally registered in XXXX County Probate court) I approached Nationstart dba Champion Mortgage to pursue a shortsale on the property. We were assigned as our contact person XXXX XXXX (Tel XXXX  email: "XXXX XXXX"  ) , who informed us of the requirements. We submitted an inspection report, an appraisal, and Sales contract. Days later the content of the inspection report was ingnore and the entire package was rejected, then Champion decided to send their own appraiser who did not take into full consideration the dire condition of the property, and the net price that Champion agreed to was $XXXX. It is interesting to know that the Appraisal was completed by Champion Appraiser XXXX XXXX XXXX on XX/XX/XXXX yet we did not received Champion Approval letter until XX/XX/XXXX and this was after making several requests, that means that we were penalized for more than a month from the date of the bank appraisal. After discussing this buyer, I persuaded him to resubmit a new sales contract and HUD1 with the new price, several weeks later after requesting several times the confirmation letter we finally received it. The bank appraisal had an expiration date of XX/XX/XXXX. Unfortunately due to hurricane XXXX and the State of Emergency called by the Governor, we could not proceed with the closing as planned. Last week I emailed XXXX XXXX as well as my buyer requesting a short extension since the entire legal community and the courts were closed due to the aftermath of the hurricane. To my astonishment the two week extension was denied and now we are back to square one. The property incurred substantial damage yet due to past experience with bank appraisers, whoever they send will appraise the property at a higher price totally ignoring the condition of the property, this is done in a very SUBJECTIVE WAY as to minimize the lose the bank will incurred as a result. 
In a time when millions of us in Florida went through this catastrophic hurricane it is incomprehensible and completely unfair by Champion mtge to impose such deadline totally ignoring the facts on the ground. 
Summary: 
I EXPECT THIS AGENCY TO LOOK INTO THIS MATTER AND CONTACT THE POWERS THAT BE AT CHAMPION MORTGAGE TO WAVE THE XX/XX/XXXX DEADLINE AND GIVE US TWO WEEKS TO PROCEED WITH THE CLOSING ON THE PROPERTY. THIS TYPE OF BEHAVIOR BY A CORPORATION WITHOUT REGARD FOR THE ELDERLY WHEN WE HAVE JUST WENT THROUGH THE BIGGEST HURRICANE IN HISTORY IS TOTALLY UNCALLED FOR AND NEEDS TO BE FULLY ADDRESSED BY THE REGULATORY AGENCIES. SHOULD NATIONSTAR / CHAMPION MTGE REFUSES TO WAVE THE XX/XX/XXXXAPPRAISAL DEADLINE, MY BUYER AND I WILL BE FORCED TO FILE A COMPLAIN WITH THE SECRETARY OF HOUSING AND URBAN DEVELOPMENT THE GUARANTOR OF THE REVERSE MORTGAGE AND I WILL SEEK ALL LEGAL REMEDIES AVAILABLE TO ME TO ADDRESS THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Good Morning, I have reached out to Experian on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX Experian and XXXX will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
This is a complaint regarding Transworld Systems Inc. 

I received a call from a spoofed number ( trying to match my area code so that I would pick up ) on XX/XX/XXXXclaiming that I have an outstanding blance with XXXX XXXX XXXX in XXXX XXXX or XXXX XXXX. The claim, I believe was supposedly from an outstanding balance from XX/XX/XXXX 

I had received a call previously around XX/XX/XXXX, but claiming that the balance went back further. Any money owed to XXXX XXXX XXXX had been paid in full at that time, and I told them that when they called me in XXXX. I no longer had my car as of XX/XX/XXXXand moved out of XXXX XXXX in XX/XX/XXXX, not having incurred any additional balance and not owing anything as I had paid up to date. I also had not been sent any notification of any past due balance in a long time even inXX/XX/XXXX. I explained all of this to the person who called me on XX/XX/XXXX, and asked for a call back from their Supervisor ( their Supervisor was allegedly not available ), and I never received a call back. 

The only subsequent call that I received was one today,XX/XX/XXXX, that I initially missed. I tried calling back and reached another representative, with whom I confirmed the name of the company, who now claimed that the balance went back toXX/XX/XXXX. I tried explaining to the representative exactly what I stated above, and trying to add the fact that I had also never received any past due notifications in the mail between XXXX and the end of XXXX, but she refused to listen. I asked for a supervisor and she not only claimed that her supervisor was not available, but that the supervisor would say the exact same thing that she did ( which was nothing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to the recent Equifax data breach, my personal credit information has most likely wound up in the hands of criminal actors. In order to reduce the risk that this has caused me, I had to freeze all my credit reports. Even this may not fully protect me from the risk I am now at for the foreseeable future. The fact that credit agencies like Equifax are for-profit entities making money off of this information makes the fact that I had no way of preventing this breach even more egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I paid my credit card off in full with Bank of America and was still charged interest after I made the payment. I spoke with their customer service department and was told because of the amount charged they could not waive it. They could not tell me what the pay off date would have been to avoid being charged any interest. They have also told me I am being charged interest on the remaining amount ( interest charged 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 monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I purchased a reloadit pack for the amount of {$500.00} dollars. I tried to load it to my prepaid card and I got an error saying we are experiencing technical difficulties and to try again later. So I tried again and again and I would get the same error. I contacted customer service and they told me to try a few things that ultimately did n't work. I filed a complaint to the BBB and I got a response from someone saying they issued a refund and I would receive it by XX/XX/XXXX I still have n't received the check that they mailed and I called them again and they said I would get a call back from a specialist and still have n't gotten a call back. I 've waited over a month now for my money back and am running out of patience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19 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 — Other problem getting your report or credit score
Company: One Technologies, LP
State: CA

Complaint narrative:
XXXX XXXX XXXX, conducting business under the name " XXXX, '' included the following solicitation on the web site of XXXX XXXX XXXX " 3 Credit Scores ( Free ) - Get Your Credit 3 Bureau Score View Your Latest Credit Scores From All 3 Bureaus in Just 60 Seconds For {$0.00}! '' I believe that is an outright lie and fraud equivalent to what you alleged in the XXXX  and XXXX law suits. 

Copy of the relevant XXXX XXXX XXXX 's web page including the offending solicitation is included. 

In the late morning of XXXX XXXX, 2017, I went to the web site XXXX XXXX XXXX/ XXXX by clicking the link included in its solicitation on XXXX XXXX XXXX XXXX web site. I filled out the application for the allegedly free credit scores. The first 2 pages of the application required my name, address, social security number, birth date, where I lived when receiving social security number, answers regarding history of my residences and personal credit, email address, and establishing a user name and password for XXXX XXXX XXXX/ XXXX. When the 3rd page of the application was presented to me, it requested authorization to charge my credit card for 2 items. The 1st was a payment of {$1.00} charge for an initial 7 day free trial of a subscription program that provided the " free '' Credit Scores, which charge would be refunded by a refund request made within 7 days of the application. The 2nd was the automatic long term enrollment in the subscription program for a monthly subscription fee of {$39.00} automatically charged against by credit card unless I telephoned XXXX XXXX XXXX/XXXX in advance to cancel the subscription. I did not include the my credit card information in the application, authorize XXXX XXXX XXXX/ XXXX to place a charge against a credit card of mine or submit the application to it. THIS IS NOT " FREE '' OR " {$0.00}. '' I contacted XXXX XXXX XXXX/XXXX and informed it of my experience, I considered its practices regarding the so-called " free '' offer to be false and illegal and requested it to remove my very sensitive information from its records, including any of its data bases. The person who took my call did not agree to do this, but did not state my information would be retained, and informed me by not submitting the application my very sensitive information would not be entered in its records. I believe this as far as I can throw the organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have been paying my student loan from Wells Fargo since 2011-ish, and  historically have struggled to make the {$450.00} payment every month. I currently work in XXXX XXXX and my take home pay is about {$2400.00} a month. They are taking a fifth of my income every month and if I have unexpected expenditures in a month, I may get behind at which point I get letters in the mail and my cosigner and I get calls every single day sometimes up to five calls a day, recently it has only been one call per day for the most part. I have looked at refinancing the loan with them which saved me a negligible amount of money, and tried to get the loan restructured and based on my income and they refused to lower the payment. I have called and spoke to a few different people in different departments and basically no one there is  willing to help me get this loan on track. I clearly can not make this payment every month, and I have demonstrated this over the course of years. I am currently three payments behind as I just switch jobs and am trying to figure out how to get my account current. If they would restructure the loan, all my problems would be fixed. This loan is basically ruining my life, is extremely hard to keep up on, and has been a massive headache. I want to pay it, but I do n't want to pay an amount that makes life difficult! I do n't understand why Wells Fargo will not help 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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Went online and paid the {$3.00} requested to have my credit information freeze. Have already completed this process with XXXX ; However, Experian has place many obstacles in my way and making it impossible to establish credit freeze online! Help. 
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 non-monetary relief
Consumer complaint received 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Good Morning, I have reached out to XXXX on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX, XXXX and TransUnion will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.

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