vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
This medical bill should not have been sent to me but instead to the   XXXX   XXXX    XXXX   XXXX   in  XXXX . It was related to some medical evaluations the   XXXX    sent me to after   XXXX   XXXX  . As a  XXXX , this location was selected by the  XXXX  as it was closer to my residence. I gave all of this information to the imaging center as to WHO IS TO BE BILLED at the time. After I somehow received a bill anyway, I advised them again as to where to send this bill and also brought a bill my   XXXX   XXXX   in  XXXX , who apologized and said they would take care of it. I do have some names to provide of those involved with my case and care, such as the   XXXX   XXXX   XXXX   who worked closely with the  XXXX , and the   XXXX    medical reps at the time, as well as others such as the   XXXX   XXXX  . Additionally, I am also currently a   XXXX   XXXX   patient receiving care at  XXXX  for these injuries.

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 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Total Card, Inc.
State: AZ

Complaint narrative:
- This company is reporting my account as 30 days past due for the month of   XXXX   but I have made my payments on time.     - Last month it showed that   XXXX   was 30 days past due but once it updated, it showed that  XXXX , was in fact, not 30 days past due but is now showing  XXXX  was.     -Prior to that, it showed that  XXXX  was 30 days past due but once it updated, it showed that  XXXX , was in fact, not 20 days past due but stated that   XXXX   was.     This is very confusing and seems to be a system glitch that continues to carry forward into the current month. I anticipate that once my   XXXX   payment ( made  XXXX  ) reflects on my account, it will show  XXXX  as past due. For the record, I paid   XXXX   's payment on   X/X   which was the total remaining balance leaving me with a zero balance. This was paid in an effort to stop this from continuing.      Below  is my payment history since the beginning of the year. My normal monthly payment is due on the  XXXX  of every month.      XX/XX/2017      XXXX   XX/XX/2017       XXXX     XX/XX/2017    XXXX      XXXX    XXXX    XXXX    XXXX   XX/XX/2017    XXXX     XX/XX/2017    XXXX    XX/XX/2017   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: IA

Complaint narrative:
To whom i t may  concern, I submitted a request to have hard inquires deleted of my credit report on-line in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be dis puted and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA has taken  XXXX  of my retirement checks for {$2800.00} plus {$300.00}. I have attached police reports with the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
we sent money to our daughter in  XXXX  on   XXXX   XXXX   XXXX    ,  Western Union  did not release the funds and they sent me a letter that the transaction was never completed, we reply that we needed a refund, they have been investingating this matter for  XXXX  weeks now and we are not getting the funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
NOTICED ITEMS APPEARED ON MY CREDIT REPORT

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received a special offer promotional rate (  XXXX  promotional purchase  APR ) f or  XXXX  billing cycles. Since this was a second time I got this, I called  American Express to see why I got a second. The first offer   came in the mail several weeks ago and I called the company to accept the offer. After the customer service person read me disclosure info, I accepted and was told the offer would become effective in a couple of days.Since that time I made charges on the account believing I had that  XXXX  APR.     The call I made today to inquire, again I was asked personal information and was told they could not locate my first offer, but I could reapply. I told him it was ok I would. Again a disclosure was read and I said I 'd accept it. At that point he told me the offer would not apply to charges I had made before today and it would take effect in a couple of days, and again told it would not apply to the over {$900.00} in charges I made. I only made those charges because I thought I had the lower rate. I would have placed it on other cards I held to get rewards.     I could not get any satisfaction from this person, so I requested to speak with a supervisor. I was told there was none available to talk to me. He put me on a 5 minute hold and came back to tell me he spoke with a supervisor who said I could not use the offer on the amount I had charged. I insisted on speaking to a supervisor and after another hold, a  XXXX , employee #  XXXX  told me he was the supervisor. I again explained the situation and also that I was an over 25 year  American Express  card holder.     After speaking with him, he again said the offer I was given before could not be located and the present offer could not be used towards my new charges, ( which by the way will not show up until my next month billing ).   I received no satisfaction from either person I spoke with. I also told  XXXX  I 'm concerned too because the person I spoke to several week ago also was given my person info and what happened to it .... He had no answer.   I would appreciate ant help I can get here and am following through with this complaint. Also is there a federal agency I can contact?     Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 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: GREAT LAKES
State: WI

Complaint narrative:
I am working with  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   to help me with my debt management. We applied for student loan consolidation, including loans defaulted and in collections. They consolidated several but it appears that the ones that are in collections were not rolled into the consolidation.     I am making a genuine effort to repay these loans and clean up my credit rating but there is over  XXXX  a month being garnished from my wages, which I am unable to afford and meet my other obligations.     My debt counselors and myself feel that these defaulted loans should have been included in the re-consolidation to help me get a fresh start.     I would greatly appreciate any assistance you could provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I received an alert that   XXXX   XXXX    had pulled a hard hit on my credit. I have not applied for credit in 2 years. I called  XXXX  and they said this is an error, and no one has pulled credit in my name, I called Equifax to report the issues, I had the same problem with them last year at this same time. They are telling me they can not dispute and that there is no way for them to tell if I did it and just do not want the inquiry on my credit. I told them if they would do the dispute, and call  XXXX , this will settle the problem. They flat out refused to do the investigation. I want this inquiry removed and they need to do the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX  student loans have been  discharged  and I have a letter from the   XXXX   XXXX   XXXX   stating all loans have been discharged. The  XXXX  credit bureaus refuse to accept the letter.

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 2017-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I lost my wallet and couple days later had fraud in my checking account with depositing and withdrawing checks and cash through multiple atms and I Add claims and the back office refuses to call back and this has been going on for 2 months now and they keep denying claims and sill have the wro ng Info.  I faxed a police report and have a detective which has received the film from the bank so I do n't understand why this  XXXX  is still not solved. Bank of America is the worst bank Ive seen

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 2017-05-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: GA

Complaint narrative:
Noticed un-erified account on my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX  student loans have been  discharged a nd I have a letter from the   XXXX   XXXX   XXXX   stating all loans have b een discharged.  The  XXXX  credit bureaus refuse to accept the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ever since we bought the house in    2009  we had   XXXX   as our house mortgage bank. they sold to  XXXX . I set up my payments to go to the wrong address, I use d one of  the letters I received from  XXXX  but it was wrong address. the first payment  or   XXXX   wer e cashed and I did n't hear anything from them. Until I received a letter stating I was late  one month, I called my bank they said payment was se nt off, my bank then called  XXXX  and we realized I had the wrong payment address. so we put a stop payment on that months payment because it was going to take to long to send to the other address then cash. so I was actually never late, I have proof from my bank that money was available on the  XXXX  just sent to wrong address, I do n't want to be penalized for a mistake on a address, ive never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ever since we bought the house in   XXXX   we had   XXXX   as our house mortgage bank. they sold to  XXXX . I set up my payments to go to the wrong address, I used one of the letters I received from  XXXX  but it was wrong address. the first payment or  two were  cashed and I did n't hear anything from them. Until I received a letter stating I was late  one mont h, I called my bank they said payment was sent off, my bank then called  XXXX  and we realized I had the wrong payment address. so we put a stop payment on that months payment because it was going to take to long to send to the other address then cash. so I was actually never late, I have proof from my bank that money was available on the  XXXX  just sent to wrong address, I do n't want to be penalized for a mistake on a address, ive never been late.

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 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was told  last year by Navient Student loan s that I was unable to make payments mid month and still have auto deduct on my loans to get a .25 % deduction. I was trying to pay more on my loans but was not allowed to. I was also but into forbearance without asking many times and I was not offered  a IBR plan until I went through the federal website. I also had to call many times to get my IBR amount so I could start making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I noticed charges on my credit card which I did n't make as well as cash withdraws. I immediately informed the bank, the bank failed to close an account, as a result with a {$700.00} limit, I had a balance over {$1000.00}. They shut down my card but still charging me for purchases which I did not make and for cash withdrawals I did n't make either. It is fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Collection Systems, Inc.
State: IL

Complaint narrative:
On  XXXX  I was transferred a call from a coworker and it was  XXXX  with  National Credit  management. I asked that she do not contact me at my employers number and she said okay. I then called again on  XXXX  to confir m NCM  will not call my work number again. The gentleman informed me the number was removed and this will not happen again. However again on  XXXX   XXXX  at  XXXX  I received another call on my work number from  National Credit Management. I again called and then sa id it was removed AGAIN.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: FL

Complaint narrative:
Equifax is refusing to remove  XXXX  accounts on my credit report that do not belong to me. I have personally contacted the creditors at Equifax 's request and they have each individually confirmed my concern that Equifax is reporting someone else 's information on my credit. I am filing this complaint because Equifax is reporting someone else 's accounts on my report and they are refusing to remove these items. The following accounts need to be deleted from my credit report immediately :  XXXX   XXXX  with account number "  XXXX  '' ;   XXXX   XXXX    with account number "  XXXX  '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the  XXXX  in their database. This is making things more difficult because since I am not the right  XXXX , it is against their policies to send me additional information about these accounts. I am being given the run around by Equifax and these companies and I feel stuck and do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Funding claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made Midland took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in Midlands favor based on the documentation the judge received from Midland , I never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent  to Midland, but  the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Creditor call to settle for {$14000.00} its been  7  yrs still paying {$150.00} a mth and the statements show i owe {$21.00} i call only talk to  XXXX  person he said it will show what my balance was before they buy contract..never get actual balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: FL

Complaint narrative:
Transunion is refusing to remove  four  accounts on my credit report that do not belong to me. I have personally contacted the creditors at Transunion 's request and they have each individually confirmed my concern that Transunion is reporting someone else 's information on my credit. I am filing this complaint because Transunion is reporting someone else 's accounts on my report and they are refusing to remove these items. The following accounts need to be deleted from my credit report immediately :  XXXX   XXXX  with account number "  XXXX  '' ;   XXXX   XXXX   with account number "  XXXX  '' ;  XXXX  with account number "  XXXX  '' ;  XXXX   XXXX  with account number "  XXXX  '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the  XXXX  in their database. This is making things more difficult because since I am not the right  XXXX , it is against their policies to send me additional information about these accounts. I am being given the run around by Transunion and these companies and I feel stuck and do not know what else to do.

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 2017-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On   XXXX   XXXX   XXXX   Bank of America widrew funds from my personal checking account without my permission for   XXXX   XXXX   card that is in default. The funds came from my family to support my  XXXX  kids and soon at was deposited Bank of America Stole everything besides leaving {$100.00}. They sent letter stating that they have the right under " setoff ''. I read the agreement and had friend attorney look at it and he informed me that is was illegal. Never gave them permission or authorization to take everything out of my personal checking account for   XXXX   XXXX   card account. Please find letter attached.

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