vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have attempted to reach out to Navient to gather how many payments were made under the graduate repayment plan from XX/XX/XXXX to XX/XX/XXXX. Due to my loan being transferred to XXXX XXXX XXXX as of XX/XX/XXXX I have been unsuccessful as I no longer have an active loan with Navient. I requesting an accounting of all payments received from XX/XX/XXXX to XX/XX/XXXX in order to determine if I may be eligible for the Temporary Expanded Public Service Loan Forgiveness.

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I had visited a local ER ( emergency room ) for treatment in late XX/XX/2019. Part of the total bill during that visit was to be paid to the provider who treated me. That provider is represented by XX/XX/XXXX XXXX XXXX, XXXX. The total amount to be collected was {$640.00}. 

Initially, there was no diagnostic code on the bill, to which I contacted the company 2 times in order to get that CPT code. The code was then emailed to me, but never put on the bill. Initially, when I called the first time, the company ( XX/XX/XXXX XXXX XXXX XXXX ) said that they were not allowed to give me the diagnosis code and that in order to get that code, I had to call the hospital to get that information because they were not allowed to give it to me. In essence, they wanted me to pay for something for which no service code was on the bill. 

After I paid {$50.00} to the bill, I received a statement on XX/XX/19, which reflected the new amount of {$590.00}. After 1 month passed, I then received a collection notice by I.C. System saying that I had the {$590.00} balance owed and that I needed to contact them in order to pay my bill. I was confused because I had just recently paid XXXX   XX/XX/XXXX XXXX XXXX XXXX a total of {$50.00} in XXXX, and just a little over a month later, now my account was suddenly put into collections. It didn't make sense. 

I called I.C. system, and paid another {$50.00} on the account, making the new balance {$540.00}. However, after I made that payment, I.C. system did not send me a new statement or even an electronic receipt of the payment I had made. It all seems very shady and I'm worried that this just a scam to be honest.

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 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: OR

Complaint narrative:
In XX/XX/2019, we contacted PNC Bank to inquire about refinancing our home mortgage. The loan officer, XXXX XXXX, assisted us with the application. During the process we questioned Mr. XXXX regarding the need for an appraisal ( an additional {$910.00} free ), since the loan amount was less than 50 % of the value of our home and we had been advised by other lenders, that it wasnt necessary under those circumstances. 
There were errors and omissions on the first application, dated XX/XX/2019, so we contacted Mr. XXXX and asked him to make the corrections. Again, we questioned Mr. XXXX regarding the need for an appraisal informing him that the two other mortgage lenders we had contacted told us that an appraisal would not be necessary. Mr. XXXX continued to insisted that an appraisal was necessary. On XX/XX/2019, we agreed to pay the appraisal fee after Mr. XXXX proposed that PNC would refund {$500.00} when the loan was completed. 
On XX/XX/2019, we were contacted by XXXX XXXX, regarding the errors and omissions on the loan application. He assured us that the errors would be corrected and that the omission of my wifes federal pension ( {$2200.00} ) would be included. We also questioned Mr. XXXX about the PNC Bank requirement for an appraisal. 
After speaking with Mr. XXXX, some corrections to the application were later made, while others were not. The most important omission, the federal pension income was added, but the problem of transposing my wifes and my phone numbers was not. This meant that each time we tried to use XXXX we had to exchange phones. Another error, the over estimated that value of our home, was not changed even after we made the request to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 was reporting as opened and showed up on my credit report. Dont owe this debt for {$23.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AP

Complaint narrative:
I started with XXXX, but my loans were then purchased by MyFedloan. I am on an Income-Driven Repayment Plan. I am a  XXXX and wanted to update how many qualifying payments I've made toward the 120 needed for loan forgiveness. My income was so low one year that my payment calculated to {$0.00} per month. For 12 months the balance due was {$0.00}. The companies servicing my loans won't count these 12 months of payments as qualifying payments even though I was enrolled in an Income-Driven Repayment Plan and XXXX at a qualifying government institution. It is my understanding that even {$0.00} monthly payments are supposed to qualify as payments toward the 120 required for forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am claiming three separate violations of regulation and guidance 1. ) Unfair & Deceptive Acts & Abusive Practices : On XX/XX/XXXX I called to use my point to purchase plane tickets. I was misquote/informed the value of my points. I was told that I had enough point to cover all four plan tickets and that I would have a balance of XXXX points after using points for tickets. On XX/XX/XXXX my points had not been applied to the purchase on the tickets and I was told I did not have enough to cover the purchase. 
2. ) Call Center Hold times : I spent 1 hour and 53 mins on the phone on XX/XX/XXXX attempting to rectify the issue. I was placed on hold for periods of time in excess of 18mins w/o the agent coming back on the line to inform me that I was still on hold. This is a tact employed by call centers in an effort to have the customer become frustrated and leave the call. Additionally, the agent misinformed me on specific facts/circumstance/protcol for accepting my formal complaint. He did not provide a time frame for resolution or review of my compliant. 
3. ) AMEX does not have a corporate compliant email avail to consumer on its homepage. In fact there is no way for consumer to get a hold of them via email outside of XXXX compliant, process or a physical address for mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously notified your company of incorrect information on my personal credit report that was due to fraud

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 2020-01-09 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: OK

Complaint narrative:
failure to apply under the FCRA Rules & Conditions, Sec 609 ( A ) ( 2 ), 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and under Identity theft Rules under 623 ( a ) ( 6 ) ( A ) Which Equifax did not follow these Rules after receiving the Notice and dispute letters which on three different times and I have the proof of service from the certify mailing receipt. I also have a pending litigation matter om XX/XX/2020 on, Equifax regarding this incident. They didn't even respond back in that 30 days timely matter from the dispute letter 's They didn't even respond back until after the 3rd attempt from the disputed letter after I exalted all my state remedy 's and due-process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2019 this account was opened and reported to the credit bureaus for {$370.00}. This is not a debt I own and have not accounts with this collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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:
On XX/XX/XXXX, I sent a dispute letter to Experian regarding an account with XXXX XXXX XXXX XXXX ( account number XXXX ) that was reporting inaccurately on my credit report. The report showed the account became 30 days late in XXXX of XXXX and subsequently was late 60 days XX/XX/XXXX, and 90 days late in XX/XX/XXXX. I disputed these dates because XXXX  and XXXX both show the account first became late in XXXX of XXXX. Therefore, Experian was showing the account was late 4 full months after the accurate date it first became late. On XX/XX/XXXX, Experian responded to my dispute saying the account was updated. However, the inaccurate payment history did not change, despite the fact I provided them with ample evidence showing that it was incorrect. I am complaining because I believe Experian did not actually investigate my dispute, Experian is allowing an account to remain on my report that has been illegally re-aged, and is non-compliant with the FCRA. If Experian actually performed their own investigation of the dispute and account, this issue would have been corrected.

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 2020-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I previously requested Coinbase close the account that is associated with me to stop fraudulent activity. 

I still have not received confirmation of these actions. As I stated before to Coinbase, I do not have access to the Coinbase account and fraudulent transfers from my XXXX XXXX XXXX into this account has continued. My account that I have no access to due to it being compromised was used for unauthorized transfers from my XXXX XXXX XXXX account on XX/XX/XXXX in the amounts of {$20000.00}, {$15000.00} and {$5000.00} and on XX/XX/XXXX in the amounts of {$17000.00} and {$12000.00}. 

I did not authorize anyone else to use my account in any way. 

I notified Coinbase of the above unauthorized transactions, in accordance with the Electronic Fund Transfer Act. See Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205.6, 205.11.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Reporting on my credit report unknown open date for {$1600.00}. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Netspend Corporation
State: IL

Complaint narrative:
I have a prepaid paypal card that I use to transfer sales from XXXX. It's not much ( maybe XXXX usd per year ). NETSPEND CORPORATION ( the company behind paypal prepaid debit cards sent me a new card ( via regular mail ) that looks like I need to renew. So like anyone, I opened the envelope, called the number on the card to activate. 

It turns out this was just a solicitation to open a new account ( BUT IT LOOKED EXACTLY LIKE A REAL PAYPAL MASTER CARD ). They asked me for my social security number, card number and number on the back of the card and sent me an email with a 4 digit code. At the time, I thought this was unusual, however checking my pay-pal account, I noticed that the card was not available, nor was it recorded as a replacement card. 

I'm not even going to go into how rude and deceptive their XXXX call center is where everyone is named " XXXX ''. 

NETSPEND CORPORATION is a predatory financial institution. The deceptive practices they use to get people to load up money onto a prepaid debit card is beyond underhanded.

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 2020-01-09 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: NJ

Complaint narrative:
Citibank has taken more than 90 days to process a dispute. Their website claims that this would be decisioned by XX/XX/2019 which has come and gone. Multiple attempts to contact the 'Executive Response Unit ' have been unsuccessful and no call back has been initiated on their part. XXXX XXXX XXXX, XXXX, and XXXX have been responsive and have processed their disputes and initiated permanent credits while Citi bank provided a confirmation alert that documents were received and then subsequently claimed that they were never received and denied the dispute based on this false information. 
Citi has falsely stated documentation was not received when it was and/or lost relevant documentation to the case provided in XXXX. On XX/XX/2019, their customer service agent provided an invalid email address to resubmit documentation to, and they have still not acted upon the information provided. It has been an ordeal. 
I have overpaid my internet bill with XXXX, a subsidiary of XXXX XXXX, XXXX XXXX, the merchant, acknowledges that I have a credit balance but refuses to reverse the charge to my Citibank account or provide a refund of such funds. CitiCards, the card issuer, has failed to act in 90 days on information provided multiple times. Most  recently XX/XX/2019. The primary documentation provided is a letter from XXXX acknowledging overpayment but requesting that I dispute the charges with my financial institution to reverse the charge and receive a refund. Citi refuses to act on this and the case still shows in progress to be completed no later than XX/XX/2019. Multiple attempts to speak with the Executive Response Unit of Citibank have been unsuccessful and they have not returned voicemails left.

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