vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 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: MO

Complaint narrative:
Today spoke with XXXX in dispute department. I stated I have received an alert on dispute update. I disputed XXXX XXXX for late payment I was never late and for XXXX XXXX  inquiry removal. XXXX told me that they stated that the information was certified and correct I told her that is impossible because I have my statement and what documents did they prove she stated none and they do not have to do that. Which means a creditor can just prove false information and they certify it to be true and affect consumers credit profile. I want them to be fined for ruining consumers credit profile without legal documentation to report negative information to tradelines. Also for false scoring calculations and not updating consumers profile when things are scheduled to fall off report profiles. Credit bureaus are the biggest schemes out here. Credit scores are not the same as lender when we purchase FICO score lenders are different. I want all negative information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$620.00} opened on XX/XX/2018. I have also looked up this original creditor and I have never lived or been to XXXX XXXX, Nevada. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX and the Texas Attorney General 's Office today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I contacted PayPal XX/XX/XXXX and communicated with them throughout the morning on my request to have fees totaling {$61.00} returned to me. They are unfairly charging me a fee for requesting money from a close friend paying me rent. Where I used to have the option when requesting money to select friend/family or goods/service, I no longer have that option. Instead, I can only request the funds, with no disclosure that a fee will be accessed based on what the payer selects when they approve my request. Further, on the payer end paypal has admitted to me that it defaults to good or service, as opposed to prompting the payee to select. This results in the payee, if quickly trying to submit a payment, to be unaware they have more then one option. Their only solution is to return the funds to the original payee and have them resubmit the transaction. Further their final communication with me told me they would not be refunding the fees and they have failed to acknowledge the disclosure issue. PayPal should be allowing the requester to select if its friend/family or good/service and the payee to approve or deny before sending the funds. In addition, PayPal used to give the option for the requester to select friend or family but changed it without sending out proper notification to customers and then referred me to a different site to read about it. And finally, I had to send screenshots to representatives to prove that you could not select friend/family on the requester side because they weren't aware the option wasn't available to customers. Simply put, PayPal needs to have disclosures that the consumer can agree to before submitting. Even if they had a disclosure that said " a fee could be charged based on the options selected by the payee '' that would alert the requester would be sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$3600.00} from {$3200.00} to {$6900.00}. 

i dont understand, they keep playing with my information it goes up and down and they always want more. i cant pay this also ive paid thousands of dollars in student loans already, also never finished the program. i dont understand why they want more and more. it is impossible and i have my loan on forbearance and yet they over charge when its suppose to be frozen out my account for a year. 

can they just keep over charging people because they want to. 

ive called and all i get is hung up on ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one credit card company is assuming they can charge me a annual fee. This fee is being charged after I already closed the account. I also have paid the complete balance + interest in full. Capital one states I didnt close the account soon enough. Although while I was in the process of closing this account. While on the phone with Capital one customer service team. It was explained to me at that time, that the annual fee would be dropped. And there would no longer be any type of balance on the account. Furthermore there would be no other payment expected or fees I would be financially responsible for moving forward. Again I made the full payment over the phone of {$43.00}, which was the full balance owed at that time. Again It was explained to me after contacting them on 2 separate occasions. That the annual fee was already removed. And to ignore the statements i had received in the mail. And please not to worry it was all taken care of. Again customer service said I no longer had an outstanding balance on the account. After which still receiving bills in the mail. As well as making several phone calls later explaining this to them. They now refuse to drop these charges and mounting late fees. I do not feel I should be responsible for a service. A service I fully explained to them I no longer wanted. And was closing at that time. And again told over the phone by their customer service agents 2 x. That there was no longer a balance on the account. I was a good standing customer with Capital one credit card for 11 years. I simply asked them - Why if this membership fee was explained to me, and I was aware of the terms as they now claim. Why then would i choose to to wait so long to close the account. Especially if I knew i had to pay the annual membership fee? Why would i have not just left the account open. And furthermore used the services i paid the membership fee for? Their customer service did not direct or provide me with the proper information. Furthermore i was never sent anything in the mail from them explaining such. I refuse to make payment for a service I cancelled on good terms to my understanding. And or pay on late fees for money i did not or do not rightfully owe

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MO

Complaint narrative:
These people have not provided me with anything that I asked for. When I orginally contacted this company I wanted to get the debt verified and to get a copy of the bill and any other information pertaining to this account. The representative was very rude and stated that if i did not recall seeing the debt that i would have to fill out a fruad packet. They basically denied me the right to dispute this bill by trying to force me to fill out a fruad packet by over talking me and not allowing me to ask them for the things that I need for me to dispute this account. THIS IS ILLEGAL. BEFORE I proceed with a fruad packet I would like you to upload a copy of on the bill from XXXX communications. I need the first date of service, and itemized list of of the bill, as well as when the last payment was recieved. I would also like to see a contract from the company. It is my right to dispute all or some parts of a debt. you have not provided me the opprotunity to do that. 

I would like this company to be reported to the FTC. They use pressurized over talking tatics to push consumers into a corner so they do not have to verify a debt. When I asked them to verify the debt. They lady kept over talking asking if the debt was mines or not. and I kept explaining to her that I do not recall but would like them to verify the debt. she said that if I did not recall seeing the debt that I would need to fill out a fruad packet. They are refusing to allow me to dispute all or parts of my debt by not allowing me to ask them for the things I need. I would like this company to be fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
During the month of XXXX, I canceled my subscription to credit monitoring with Transunion, which was {$20.00} per month. In retaliation, Transunion reduced my credit score by 89 points, from XXXX on XX/XX/2018 to XXXX on XX/XX/2018. During this time, I had no inquiries or new accounts opened, the credit use percentage on my credit cards only fluctuated about 2 points, between 22 % and 24 %, and I actually paid down about {$40000.00} in long term debt. I contacted Transunion to discuss why they reduced my credit score by 89 points in 1 month, and they refused to talk with me. I contacted the dispute department, and they refused to file any dispute for me. Both departments I spoke with only gave me the option to reinstate the {$20.00} per month credit monitoring service, and only after paying for the service would they be willing to help me. This is blatant extortion and fraud on the part of Transunion, and clearly a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I purchased an item for {$120.00} via XXXX. The item was damagedthe skirt was black with several bleach stains. I called Chase, and the representative, XXXX XXXX from the XXXX, filed a claim on my behalf. He told me that because the item had arrived damaged, I was protected under Chases guarantee that I do not have to pay for items that were delivered and were not as described. He said that I would receive a credit to my account in 24-48 hours, and Chase would get the money back from XXXX for me. He then told me to go ahead and discard the item. Chase recently contacted me to say that I had filed the claim past their 60 day window and reversed the credit. XXXX XXXX from the XXXX did not tell me about any window. I was informed that I needed to contact XXXX. XXXX said that, although they had ruled in my favour, because I had discarded the skirt, as per the instructions of the Chase representative, Chase would have to file a claim for fraud in order for XXXX to give me back the money. They needed the skirt in order to return the money. As there was no skirt, Id have to go through Chase. A Chase representative, XXXX XXXX, Account Supervisor for Claims Escaltion in Texas told me that even though XXXX XXXX told me to discard the skirt and that Chase would get my money back, it was my fault for throwing away the skirt, and Chase was not liable. I hung up and spoke to another representative who expressed shock that XXXX XXXX would make such a promise and tell me to discard the skirt and wrote up a formal complaint. He insisted that Chase could not pursue the claim, despite all of this and my explaining that XXXX was willing to give me my money back if Chase pursued a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have $ XXXX in student loans, which primarily paid for a XXXX XXXX in a field I cant work in. My XXXX is in computer systems security, and I have a charge on my record for hacking. Due to this, Im unemployable with that education. I tried applying for forgiveness, under the fact that it is non-beneficial and should have been guided elsewhere to a different degree program, but they refused to work with me on it. In addition, I tried applying for temporary financial hardship, and it was denied, even after providing proof of my income being much lower than I used to make. The interest seems to be going up more than the payments I need to make, So it feels like a never ending story. Im currently paying out of pocket to attend XXXX XXXX XXXX College, just to delay paying the loans back as long as Im going to school. I have no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2018 at XXXX we received an automated call from CAPITAL ONE to call back at XXXX. The automated call does not offer the option to connect to an operator and we have no information what number is being dialed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CT

Complaint narrative:
Ive sent letters asking for verification of my original signature and was not given any proof only a bill that was generated from their computer systems this is old it came off my credit report and now they are back with the harassment phone calls please can you help me fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: TX

Complaint narrative:
I DO NOT RECOGNIZE THIS COMPANY nor the Original Creditor that's showing. I've disputed in both XXXX and XXXX and XXXX the account and it came back verified. I have requested method of verification on XX/XX/2018 and AGAIN in XXXX for this account of XXXX XXXX XXXX XXXX ( XXXX XXXX ) was told to contact the creditor. Based on FCRA 611 ( a ) ( 2 ) ( B ), I was supposed to receive all of the relevant information used in the investigation to " verify '' this as a valid debt/account belonging to me. I only received a notice telling me the account was verified and to contact the creditor. WHICH I HAVE and they have NOT been able to send me any valid documentation that they own or have right to any accounts belonging to me. If this is unresolved, I do plan to contact the XXXX XXXX XXXX and the FTC and FCRA about the false information that is remaining on my report without any validation or verification that it belongs to me. 

Experian mailed me a document stating the account was verified. I have requested METHOD OF VERIFICATION. Meaning what documented proof was given by the creditor to Experian that this account belongs to me. I have yet to receive any of this information other than a letter from Experian stating the creditor verified the account belongs to me. I need to see what and how this account was verified because I have not seen or received any PROOF of this from Experian or XXXX XXXX XXXX XXXX. XXXX and XXXX  have since removed this account due to the information being UNVERIFIED and I expect Experian to do the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/18, I purchased over $ 10k worth of cosmetics from a business on the XXXX XXXX XXXX. I wound up returning the items, even though the receipt said all sales are final. Someone with XXXX XXXX XXXX accepted one of my packages. The other package was refused by both myself and XXXX XXXX XXXX, and this package wound up just sitting at a XXXX XXXX hub for disputed packages. I have no way to find out if this package was ever eventually returned to XXXX XXXX, because I had refused this package at my residence, and I had no tracking number, not to mention I didn't have XXXX XXXXXXXX XXXX 's XXXX XXXX account number, for obvious reasons. 

So basically, I'm paying Citibank for over $ 10k worth of cosmetics that I have never had. So besides THAT, Citibank continues to charge me fees for this whole purchase. Additionally, on approximately 3 occasions since XX/XX/18, Citibank has sent me letters in the mail or emails saying that my dispute was resolved, leading me to obviously believe this. 

Besides continuing to pay for goods I have never had, my credit score has been lowered over 150 points as a result. I continue to attempt to pay down my credit card bill, so it won't be affected even moreso.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
We refinanced our FHA loan from XXXX to Lakeview ( The XXXX XXXX XXXX ) sometime XX/XX/XXXX. We opted for the same type of loan, FHA. In our Closing Disclosure, we opted to have the Home Insurance and HOA excluded in escrow. But, last XX/XX/XXXX, XXXX started paying our Home Insurance to XXXX, After several attempt to contact someone about the issue, XXXX   advised me to email a copy of Loan DIsclosure to them. A copy of Closing Disclosure was emailed on XX/XX/XXXX and they assigned a ticket number ending in XXXX. 

On XX/XX/XXXX, XXXX affirmed that my request to remove the Home Insurance from my Escrow has been forwarded to Escrow and they marked my issue Resolved. 

On XX/XX/XXXX, we received a letter from Lakeview denying our request to waive Escrow. We did not request to waive Escrow. We requested to exclude Home Insurance from our escrow. 

I restarted the painful experience of talking to XXXX, this time, they claim that they can not remove the Home Insurance from Escrow as it it required by FHA.

To our dismay, we have been paying the Home Insurance ever since we financed the property from XXXX XXXX. 

Our patience is drained and totally helpless, despite of our Closing Disclosure. We feel that XXXX is giving us wrong information, run arounds, or LakeView deceived us to refinanced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MO

Complaint narrative:
Medical billing company refuses to acknowledge billing error. Will not engage for review and have now proceeded with collections process. 


********** details of issue **************** Wife scheduled a " XXXX XXXX '' exam and  attended the scheduled exam. 

Insurance ( XXXX ) benefits indicate a {$0.00} copay for this service XXXX  mis-coded and has attempted to collect a {$25.00} deductible I contacted XXXX regarding the issue. They agreed with our position and indicated that it should have been coded as a " well woman '' exam with a {$0.00} deductible I shared this info with XXXX, and the person on the phone indicated that there was nothing she could do ( NOTE : Ive had multiple conversations with their clerks over the course of time between XX/XX/2018 and now. ) I asked her to escalate my call to her supervisor. She indicated that she could not, but I could write a letter to their billing complaint department. She indicated that they would call me to discuss the issue. 

I wrote the letter and mailed it to their offices on XX/XX/2018 and as of this date, I have received no communications from XXXX  except for a billing statement indicating an overdue balance of {$25.00}, and XXXX based collection phone calls to my wife. ( I can share with you the letter if you need it ) Ive indicated on each phone call to the billing department that the charges are erroneous and that I wish to dispute the charges. Ive followed the instructions for submitting a written dispute to their offices, yet, XXXX XXXX XXXX seems unwilling to honor my request to dispute the charges. 

My request of your offices is to help me initiate the dispute procedure with XXXX. Each phone call Ive been told that if I dont pay the bill, they will send it to collections which will have a negative impact on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation