vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: NV

Complaint narrative:
I apparently had a balance on a medical service that I recieved from  XXXX   XXXX  Hospital. I had paid the up front deductible at time of service. I never received a bill or notification of a balance owed not covered by my medical insurance. I only discovered this myself because I have  XXXX   XXXX  on my smart phone. I 'm in the process of refinancing my home. I found a derogatory mark on my credit. I called  Professional Finance Company.  Right away they said this was an attempt to collect a debit. I ask was debit they said it was from  XXXX   XXXX  Hospital but could not tell me what the charges were for. I had to contact them myself. Which I did it was like pulling teeth. They said since it had gone to collections it would take some time to find out what it was for. many days later I found out what it was for and I called the  Professional Finance Company to  pay this debit and I was told it had already gone to the courts and I was already served. I had never received anything from the Collector, Courts or Hospital in regards to my debit. Not only was I change my original balance, interest and court fees. How is it possible for them to hurt my credit but also my creditability in my town. Without any notice. I did all the work. They can just SAY they sent me notifications and that proof enough?

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 2017-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bliksum, LLC
State: CA

Complaint narrative:
i had a pay day loan with a company called loan me. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( XXXX XXXX XXXX ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
on Saturday X/XX/17 my employeer tried to direct deposit XXXX it was rejected by my bank. According to 5/3 bank the routing number was incorrect. My employeer called 5/3 bank with me and was told the correct routing number and my employeer read out the routing number to make sure that it was correct. On X/XX/17 my employeer tried to direct deposit XXXX into my account again. Again it was rejected 5/3 bank stating that the routing number was wrong. We called and talked with four different personal that told us four different routing numbers that was associated with my account. As of right now my employeer is unable to direct deposit money into my account because of their errors. I have tried to work out the situation with 5/3 bank however, they just keep apologizing and telling me to try to have the company send the money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: IL

Complaint narrative:
In  XXXX  of  XXXX  I opened a  XXXX  account, with the hope of building my credit. I paid the {$30.00} fee and ordered  XXXX  item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance.     So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to  XXXX . After the second attempt, I was given my {$30.00} enrollment fee back and closed my account.     Fast Forward to  XXXX  and the harassing collection calls begin.  XXXX  was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department  and 3-4 people o ver the course of  5-6 mo nths ( beginning  XXXX   XXXX   ) and t hey all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped.     The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to  XXXX  's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although TransUnion showed the account as closed, it still showed a {$100.00} high balance.   XXXX    shows no balance, but a 30 day delinquency and not closed.  XXXX  shows a {$100.00} high balance and not closed.     I have disputed this information with all  XXXX  creditors and the account was " verified '' ; however, this info is incorrect.     I have talked to  XXXX  and they claim my account was deleted on all  XXXX  bureaus, but as of today, it still stands.

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 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I opened a XXXX account, with the hope of building my credit. I paid the {$30.00} fee and ordered 1 item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance. So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to XXXX. After the second attempt, I was given my {$30.00} enrollment fee back and closed my account. Fast Forward to XX/XX/XXXX and the harassing collection calls begin. XXXX was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department and 3-4 people over the course of 5-6 months ( beginning XX/XX/XXXX ) and they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped. The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to XXXX 's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although XXXX showed the account as closed, it still showed a {$100.00} high balance. XXXX  shows no balance, but a 30 day delinquency and not closed. XXXX shows a {$100.00} high balance and not closed. I have disputed this information with all 2 creditors and the account was " verified '' ; however, this info is incorrect. I have talked to XXXX and they claim my account was deleted on all XXXX bureaus, but as of today, it still stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: IL

Complaint narrative:
In  XXXX  of  XXXX  I opened a  XXXX  account, with the hope of building my credit. I paid the {$30.00} fee and ordered  XXXX  item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance.     So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to  XXXX . After the second attempt, I was given my {$30.00} enrollment fee back and closed my account.     Fast Forward to  XXXX  and the harassing collection calls begin.  XXXX  was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department an d 3-4 pe ople over the course o f 5-6  months ( beginning  XXXX   XXXX   ) a nd they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped.     The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to  XXXX  's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although   XXXX   showed the account as closed, it still showed a {$100.00} high balance. Experian shows no balance, but a 30 day delinquency and not closed. Experian shows a {$100.00} high balance and not closed.     I have disputed this information with all  XXXX  creditors and the account was " verified '' ; however, this info is incorrect.     I have talked to  XXXX  and they claim my account was deleted on all  XXXX  bureaus, but as of today, it still stands.

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 2017-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
I received an email on  XXXX   XXXX  from FedLoan Servicing telling me that I had a secured message. When I logged in to the service, I read a letter telling me to recertify for my REPAYE plan by  XXXX   XXXX . I submitted paperwork through studentloans.gov as directed on  XXXX   XXXX  and received an email on  XXXX   XXXX  stating that my request had been received. I then received another email on  XXXX   XXXX  that stated the exact same thing. Finally on  XXXX   XXXX , I received an email staying that I needed to recertify my ICR. I 'm concerned that FedLoan is dragging their feet and it will allow my ICR to expire, capitalizing my current interest and further damaging my credit.     This happened in   XXXX   as well, where it took nearly 4 months for them to process my paperwork and they capitalized my interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have  XXXX   American Express Cards ,  XXXX  is a Business and  XXXX  is Personal.   The business card has a credit balance of  XXXX  and I wanted it transferred to  the Personal Card. T he Customer service says it tak es 7 to 10 b usiness days. ( to transfer a balance are u kidding me ) I started the process on  XXXX   XXXX  via a Chat line from the company website. Around the  XXXX  of  XXXX  I called to find out what the problem is because it was not transferred.   They gave me a line that the Chat people did not do it. So on the  XXXX  they said it would take another  XXXX  to 10 business days to make a transfer. Stupid as it is ....   So now is the  XXXX  and still nothing has been done.     How difficult is it to transfer a balance between  XXXX  accounts at the same company?   Why should it even take 1 day vs  7 to  10 days to do a simple transaction. Their answer .. . .. Pr ocedure ....   Makes no logical sense.     The  XXXX  credit cards are Personal  XXXX  Business  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
After reviewing a copy of my credit report, I noticed multiple collections account placed on my credit report from your compa ny Money Recovery Nationwide from 2013.. I am  requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and the hospital /medical provider to which I owe the debt and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Also, please provide proof of identification upon treatment, and my signature with the provider of service to release my information to your compa ny Money Recovery Nationwide. Ceas e any credit bureau reporting until this debt Is validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
In  XXXX , I started a loan forgiveness program with  XXXX   XXXX   XXXX  who has been great at handling everything. They work w ith FedLoan Se rvices to allow me to have income driven payments for 10 years and the remaining balance to be forgiven.   Last year, I received a payment of {$14.00} per month compared to my normal monthly payments of {$350.00}. Wow, that was great. It was what the program promised. I receive communication from   XXXX   XXXX   XXXX   that my payment calculation was wrong, but the company would allow me to pay the {$14.00} each month instead of the $ 20ish dollars it was supposed to be.   This year, we resubmitted my tax information f or FedLoan Services t o calculate my new payment Starting  XXXX   XXXX . I received a letter, bill and an email ( dated  XXXX   XXXX  ) saying that my new payment was {$0.00}. Wow, I thought that was even better. I was excited!     On  XXXX   XXXX , I get a letter and a bill that states my n ew Income Driven Pay ment is {$70.00}. WHAT? I called immediately because that was a huge jump from the year before and it certainly was n't {$0.00}. I talked to the person with badge #  XXXX . They were no help. All they could tell me was that there was a mistake made and this would be my new payment. I asked some questions about how these mistakes keep happening, but this is my new payment.     I then called   XXXX   XXXX   XXXX   and they said that they received information from FedLoan that there was an error and that {$70.00} is my new payment.     I am not happy and I do n't understand how they can mess up continuously like this. I wonder if they actually even look at the information provide or if they just pick a number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XXXX XXXX, 2017 I sent a letter via certified mail with return receipt to Transunion and XXXX Consumer dispute center in regards to removing unauthorized inquiries from my credit report as are my rights under FCRA. On XXXX XXXX, 2017 I received notification via USPS that the letter had been received by Transunion and XXXX. I have yet to hear anything from TransUnion or XXXX regarding this matter. I have not received notification that my dispute has been received. I called Transunion and XXXX Customer Service disputes dept on X/XX/2017, I was told by a representative that they have not received my letter in regards to my dispute although I have proof that they sign for the certified letter. This is unacceptable and unlawful. My rights have been violated, I am entitled to a response from my inquiry per FCRA regulations.

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 2017-04-27 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: PA

Complaint narrative:
Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began in   XXXX   originally for {$3900.00}, I have all the original paperwork for it. It was relisted in  XXXX  at {$1200.00} as a charge off and it still showing up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My Navient loans with co-signers are current. But they are getting calls at home and at work plus letter saying they must make a payment. I have n't been than 20 days late in  over two  years. I have n't been behind enough to warrant aggressive collections. I am worried that  XXXX   XXXX  is okay'ig aggressive collections efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I took out a mortgage with  XXXX  many years ago and set up auto pay for the life of the loan. The loan was purchased  by Ditech Financial, and when it cam tim e for the final payment in  XXXX     2017, th ey failed to auto deduct the payment and charged me a late fee of {$50.00}. I called there customer service line,  XXXX  to complain on the evening of  XXXX   XXXX     2017,  and they refused to refund the late fee.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had agreed to a " Balance transfer '' of 0 % APR for about 15 months in exchange for a 3 % upfront fee. I transferred {$7000.00} to the Chase card and paid the fee.     The next month I had {$6500.00} sent to the Chase card to pay off a 19 % APR balance on the same card account.     Instead of crediting the 19 % APR balance, Chase used the new money to pay off the 0 % APR balance.     My clear understanding from Chase was that this {$6500.00} would go to pay off the higher APR balances first.     I spoke to a service representative about this and two supervisors, the first of which just hung up the phone on me. The second supervisor was very cordial, but in so many words said " tough luck ''.     This to me is predatory lending. Why would I pay 3 % upfront to buy a 0 % APR and then pay it off one month later?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2017    Bank of America Complaint with CFPB I talked with  2 re presentitives with bank of america on the date shown above. I have a credit card with the company. I am currently going through an economic hardship. I informed the representitive initially that at points in time i was having trouble with basic living expenses. I was informed that Bank of America was not able to do anything for me. I asked to speak with a supervisor named  XXXX  at BOFA. He asked about my income and asked me if i was able to afford basic living expenses. Isnt it embarrassing enough having to tell a complete stranger your struggling putting food on the table. He informed me he was unable to set up a payment program with me and informed me that I should miss my payment on my credit card so I could buy food. You would think, logically, that if a person was struggling so bad and had a hard time paying for basic living expenses that BOFA could have helped in anyway. You know what the answer was? NO. They told me to skip my payment, get a late fee, and  XXXX  up my credit so i could buy food. They didnt do a  XXXX  thing for me. They dont give a  XXXX  about their customers. They dont care about their customers well-being. They dont understand what struggle is. All they know is how to literally  XXXX  people with interest and fees. They didnt help me at all. The policy they have at BOFA is horrible. Once I pay off this credit card with them i am never doing business with them again. I wanted to inform the CFPB of this matter because if someone is going through a struggle and BOFA knows you are having trouble paying for living expenses, they wont help with any payment options. They will literally tell you, *sorry there 's nothing I can do f or you. * T hanks a lot Bank of America for nothing.

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