vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I went to the hospital and provided them with two forms of insurance. The hospital has both insurances on file yet their collections team posted two negative accounts on my credit reports. I called an asked why they said the hospital did not give them the second insurance information. I gave them the insurance information. They turned around and posted the same negative on my cresit report at another bureau. The numbers they have listed now go straight to voicemail and when I did speak to someone she advised they would removed the information after i gave the insurance information but that has not been done. I had this conversation in early XX/XX/2018. This is happening with XXXX XXXX XXXX for {$100.00} and {$62.00}. My secondary insurance was through the state medicaid department and the hospital is aware they can not accept a payment from the insurance company then bill a patient additional charges. I spoke to the representative at XXXX at Online collections  and informed her the accounts were updated. She told me they would not remove the negative information from my account until I paid it. I refuse to pay them for a bill I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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: NC

Complaint narrative:
I have submitted multiple disputes regarding a collection account that was being reported on my credit report that I had settled in full. I have uploaded a letter that I received from the collection agency that states that the account is settled in full on multiple occasions as well. Every time the account dispute is closed without the information being updated and tha account being listed as being paid in full,

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 2018-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
We had a car financed through Ally Auto ( XXXX XXXX XXXX ). The vehicle was involved in a wreck that totaled the car. Our Auto Insurance paid their part, and our GAP Insurance took awhile to pay off. The GAP Insurance paid off everything except XXXX. Ally started calling us 9-10 times a day and would call us 30 seconds apart on 3 different numbers and also a separate call each day to my wifes work number. I called them and told them the harrassing calls mutiple times a day needed to stop. I told them I got a part time job to help pay this off and I would be paying it off by XX/XX/XXXX. I asked them to no longer call me on XXXX work cell or XXXX work phone. I also asked them to not call my wife at work ( which they had already been told over a year ago not to call her at work ). They have repeatedly still called my wife and work and still call me on XXXX. I am sick and tired of being harrassed by this company on phone lines I have repeatedly told them not to call on. Today I spoke to a supervisor and gave them the information again.

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 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
So in XXXX I sent a payment of {$1100.00} in a Cashier 's Check to Cornerstone Home Lending, Inc. At that time we were having financial issues and was short on payment. However, Cornerstone cashed the Cashier 's Check and showed on our statement as Unapplied Funds. Then our mortgage was sold to XXXXXXXX XXXX who is our current mortgage company. The {$1100.00} payment was not sent over to XXXXXXXX XXXX  and was never applied to the account. I have contacted XXXX by phone and by mail and was sent a letter stating that they never received the funds from Cornerstone. I contacted Cornerstone by mail at the beginning of XXXX and I have not received any reply. In the letter I stated that the funds can be returned to myself or sent over to XXXX. When I call XXXX all I get is that my loan has been moved to another company and to contact them directly. 

I need to know how I can get this problem solved and my money refunded or sent to my new mortgage company. 

I will appreciate all and any help I can get. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I applied for a loan through a specific online source. The site led me to many others that implied that I had not imputed the adequate information and that they'd need it once more. i was later informed that my credit was deeply damaged because different sources had run a hard credit check without my knowledge. I had only knowingly applied to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber
State: FL

Complaint narrative:
XX/XX/2018 Phone calls placed at XXXX XXXX est, XXXXXXXX XXXX est, XXXXXXXX XXXX est, XXXX XXXX est and XXXX XXXX est ( call on a different number ). 

I spoke with XXXX XXXX at Grant and Weber at XXXX extension XXXX regarding a medical bill. I was asking questions about why the debt could not be negotiated and how then medical collections worked. My mother spoke with XXXX and was told she could not speak to a supervisor. I went back on the phone and tried to clarify more questions that I had. I was told numerous times after asking that I could not talk to a supervisor and eventually told " I will not transfer you. '' Once this phrase was spoken I immediately asked about the call recording policy. I requested to know how to get a copy of the phone call several times and was repeatedly denied. I was also told by XXXX " I tell you what happens. '' I called back four times after XXXX transferred me to a general voicemail after I brought up wanting a copy of the phone call. I called back to speak to someone else about getting a copy of the phone call and Grant and Weber will not answer my phone calls ( tried three times ), and when I called on a different phone with the same last name, hung up on me. The business practices used by Grant and Weber,  especially XXXX, are an attempt to force the consumer to blindly pay a bill without having their questions answered. 

XXXX refused to let me speak to a supervisor until I said the magic words, that I wanted a copy of the phone call. He then attempted to threaten me more by stating that " I tell you what happens. ''

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 2018-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I submitted a complaint against nelnet over a month ago but NEVER got a response. 


Nelnet took over my loan from XXXX sometime last year without telling me. Now my automatic deductions are NOT being made and I can't even get anybody to give me my account number so I can fix the problem. I've sent several emails and some were ignored while another was replied to with some secure email that I couldn't even open! I replied back and told them to send a REGULAR email reply because my email was password protected but I never got a response. These people are obviously scammers who have no business being responsible for other people 's money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Repeated phone calls. I don't answer numbers I do not know and they leave no messages. I don't owe any debt right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC
State: FL

Complaint narrative:
My first letter from the collection agency received in XX/XX/XXXX, which was dated XX/XX/XXXX. I received a statement for {$510.00}, and the letter stated intent to record a claim of lien. I immediately sent the initial dispute XX/XX/XXXX, as the amount due to the management company was paid as agreed of {$210.00}. I was disputing the interest, mail charges and other charges for a total of {$300.00}, and supplied a copy of the cashed check the management company received. We had made an arrangement to pay late and advised payment would be sent in XX/XX/XXXX due to damage from Hurricane Irma. 

Ticket was created XX/XX/XXXX, to dispute these charges. I Received response from collection agency on XX/XX/XXXX waiting on reply from management company, if no response case would be closed. XX/XX/XXXX, received notice of second request sent to management company, once again collection agency advised me if no response case would be closed. 

In the meantime I received a statement from the management company dated XX/XX/XXXX, showing they received the payment and there was a XXXX balance. 

XX/XX/XXXX, collection agency sent a response received from the management company and attached an invoice showing a XXXX  balance from management company. 

XX/XX/XXXX, I confirmed response and supplied all supporting documents to confirm payment was made and there were no fees due from the management company. 

XX/XX/XXXX, collection agency asked for proof and sent me a new invoice and added a {$100.00} fee XX/XX/XXXX, saying interest due. I sent a follow up the same day once again showing the initial payment dates and times of the initial payment arrangement and the invoice dated XX/XX/XXXX, showing a zero balance. I also disputed the additional {$100.00} because my ticket was still in dispute and we never heard back from the management company supposedly until XX/XX/XXXX. 

XX/XX/XXXX, collection agency sent response stating dispute being reviewed. 

XX/XX/XXXX, collection agency stated {$100.00} could be reversed since this was in dispute and stated I had to show burden of proof and they would ask management company for updated ledger. 

XX/XX/XXXX, I sent response with all supporting documents and provided my burden of proof they request. 

I never heard back from the collection agency with an updated balance, they never reversed the {$100.00} fee while I was in dispute and on XX/XX/XXXX, I received a letter from the collection agency stating a lien has been filed on my property, and I owe {$1200.00} by XX/XX/XXXX. The last I heard was my file was in dispute and I was awaiting an updated ledger. 

There is no breakdown of the {$1200.00}, and during this time my case was in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FACTUAL DATA CORP.
State: IL

Complaint narrative:
XXXX XXXX  is reporting the folling cases XXXX  under a XXXX XXXX case XXXX under a XXXX XXXX   and case number XXXX I went to all of these court houses to dispute got no where because I am not any of the above people. My name is XXXX XXXX maiden name XXXX XXXX.. I have had only 2 names my whole life. I spoke to XXXX  at XXXX XXXX his # is XXXX ext XXXX  he said my consumer id is XXXX. I have tried several times for them to fix this and it has gone nowhere. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Stewart Information Services
State: NV

Complaint narrative:
I have not been paid by XXXX XXXX investor Vendors, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX c/o XXXX XXXX, and XXXX XXXX, for XXXX XXXX  XXXX XXXX that started XX/XX/03, & is now traded on Stock Market, as shown in emails sent to me from XXXX XXXX, et al., under STOCK.I.D. named stc.They change their stock I.d . and business name or structure between emails to continue the fraud trading, buying, selling, competing with my stock.

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 2018-03-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The credit reporting agency equifax will not provide a copy of my credit report. They are indicating that my information is not the same as theirs and this is true. Equifax has a mortgage with several companies asking which company I hold the mortgage with, they also have another question asking how much i pay for said mortgage. I do not have a mortgage and have no mortgage payments so I check none of the above. Equifax also asks a question about a truck with several options asking what bank I bought the truck from as well as the payments again I do not own a truck and checked none of the above. Equifax denied my request for a credit report stating it was not me as the information they have is different than I have indicated. I have made many attempts to get a credit report and fix the error including sending it through the mail and contacting many different people who handle disputes from the company I have been unsuccessful as they still say my information is different than theirs. They have ruined my credit so bad I cant even buy oil to keep my house warm. My daughter died several months ago and I have XXXX grandchildren to try and keep warm I have also had to dispute credit mistakes with the other credit companies but they sent the report and are investigating the disputes. I need to get this corrected asap as I can not get oil or any credit to get my grandchildren out of the house where their mother died. Thankyou XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My office was burglarized and several coworkers credit cards were stolen including mine. This happened at approximately XXXX on XX/XX/XXXX. I was informed of theft by coworker, when I checked my wallet, I noticed that my Bank of America personal and business credit/debit cards were missing and a XXXX XXXX credit card as well. I immediately called Bank of America to report theft and block cards from additional charges, this was approximately 2 hours after theft. While on the phone with the credit card fraud department, I was logged online to my B of A accounts to confirm fraudulent charges. When on the phone for the business account I saw only 1 fraud charge at that moment, it was a charge for {$3800.00} at XXXX XXXX   XXXX  CA. I explained that this was a fraudulent charge, and that I have never shopped at this store ever. Initially B of A provided a credit for the the charge from business account on XX/XX/XXXX. B of A then reversed the credit on XX/XX/XXXX for the amount of {$3800.00}, claiming I had made the charge. I contacted the claims department at B of A to reopen the claim and provided police report numbers and supporting information the this was a fraudulent charge. I have called back every week to get B of A to recognize that this was not a legitimate charge. Of note my B of A personal credit/debit card fraudulent charges were all returned. It seems odd that they would confirm fraud for one card and not the other. I was responsible and called immediately when I noticed the card stolen. I managed to stop further charges by acting quickly.

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 2018-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
I sent {$1700.00} US Dollars which was the equivalent of {$1300.00} Euros to my daughter via Western Union and someone other than my daughter picked up the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Five Lakes Agency
State: GA

Complaint narrative:
FIVE Lakes Agency [ Fraud Department I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Five Lakes Agency ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Sincerely, FB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I XXXX XXXX  had an account with chase when i was XXXX XXXX  years old in around XX/XX/XXXX-XX/XX/XXXX. I wasn't be the best with money management or how to functionally use a bank account, of course I was a teenager. That account closed due to a charge off with a negative balance of {$120.00} and i tried to reopen it later that year or the year after while getting my direct deposit from my tax returns, and thats when we tried to reopen it and it closed within a week.That is when i found out they said because the account was closed i would have to wait 5 years to reopen one, I asked if i can just pay it off, they said that was not a option. So as naive as i was i thought that was normal and i attempted again 5 years later and it still has not able to open one this time the bankers said chase has decided not to have a " business relationship with me at all ''. Now its getting to a point where i don't understand why i haven't gotten a statement on my last month of my account or a chance to know why they will not reopen an account, I'm not a criminal, i didn't abuse my account, and they never even gave me a chance to dispute any wrong doing on my account or to see if anything on that account was mine, or accurate. I am now turning XXXX  years old starting a XXXX XXXX XXXX XXXX  and full time employer and I've always wanted to bank with chase especially for their business accounts and i have been robbed of that opportunity and have not been given a reason i feel like this is not right nor is this constitutional.

Company response to consumer: Closed with explanation