vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service Center, Inc.
State: DE

Complaint narrative:
I have been disputing a medical bill that was paid. I wrote to the Collection Service Center on XX/XX/2018 and XX/XX/2018 after prior correspondence with the medical service, XXXX XXXX XXXX. 

On XX/XX/2018, I was billed by XXXX/XXXX  for dates of service : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/2018 in the amount of {$150.00} which I paid on my VISA card number XXXX XXXX XXXX XXXX, which was charged to my account on XX/XX/2018. See the attached proofs showing the bill, the payment and charge to my debit account. 

Therefore my account was paid up to XX/XX/2018. The bills from XXXX/XXXX never show this payment as a credit towards the account. 

I had additional treatments on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/2018. That is 6 sessions at {$77.00} leaving a balance of {$460.00} due. I authorized payment on my card for this amount, and showed proof of the second charge to my HSA account for this amount. This has since been paid, therefore, no further payment is due. 

The medical service billed me again for the dates of service XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/2018 after I paid them on the original bill they sent me. 

The collection service responded to me on XX/XX/2018 with a copy of a ledger that shows my treatments and a patient balance of XXXX. The ledger has a sub-ledger on the last page showing I owe {$530.00} which I continue to dispute. I have contended the ledger they send me is contradictory and makes no sense given the billing I received and paid. 

The collection service is proceeding forward against me for an account that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.

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 2018-12-20 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: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from navy federal credit union on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 I went to XXXX to try and buy diapers and meds for my sick kids when I went to check out the total came to {$130.00} so I wrote a check and gave them my ID as well. I recently got married and my last name changed so they asked for more identification since my check and Id had different last names even tho all the other info was the same. So I gave them my debit card that had the correct last name as well and the manager requested I enter my pin for verified I did and he called the bank and verified everything and then still stated he couldnt accept my check or my debit card for the purchase so I said nevermind and left. The next morning I woke up to a charge from that exact XXXX store for {$530.00}!!! I called chase immediately and disputed the transaction and they issued me a temporary credit. Then on XX/XX/XXXX I received a letter in the mail from chase stating they made their decision and were reversing the credit and removing the {$530.00} from my account. I called and tried to appeal this decision but because I didnt have a receipt or anything saying I canceled the transaction ( which I never authorized the transaction in the first place nor did I authorize them to charge ANYTHING to my card ) that there was nothing they could do! I spoke to 3 different managers and no one helped me. So on XX/XX/XXXX they took the {$530.00} back out of my account causing me to not have the money for my kids XXXX gifts or to pay my cell phone and car insurance payments. I have told them I never authorized any charge from that XXXX let alone over {$500.00} I never spend that much. We are a lower income family on a fixed income I am XXXX XXXX and have XXXX XXXX XXXX XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Chase bank has illegally frozen and restricted my bank account, for no valid reason. 

According to Chase bank, they had restricted/frozen my bank account due to a {$14000.00} check written to me by a family member. The check has cleared and the funds are in the account, but Chase bank is making unreasonable demands to un-freeze and un-restrict my account. 

As my family member and I reside in different states, Chase bank has noted in it's computer MEMO, that both myself and my family member must appear at a bank branch together and that my family member must provide to Chase bank XXXX forms of ID. 

At this point, Chase Bank informs me that the matter may still not be resolved, and that my family member may need to provide additional information to Chase Bank. 

My family member has NO fiduciary relationship to Chase Bank - the family member is not a financial partner with Chase Bank and has no account at Chase Bank. 

Therefore, Chase Bank is placing unlawful requirements on a 3rd party, in order to " release the funds '' of their bank customer. 

Currently, I XXXX XXXX am restricted from using my debit card for withdrawals and purchases, AND I can not enter a bank branch for withdrawals. 

The check from the family member has cleared and the full funds are in the account, held hostage by the Bank for arbitrary rules " Your mother must enter the bank branch with you together and show 2 forms of ID, plus additional documents IF needed '' and at that point, we will make a decision. 

Depending on which agent you are connected to at the XXXX call center, that agent will give varying information on what they believe should be done to un-suspend / un-restrict my personal checking account. Chase bank has no uniform code of conduct on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX  XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from capital one on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA

Complaint narrative:
Amerinat was the servicer of my 2nd mortgage that was paid in full on XX/XX/XXXX through an escrow with XXXX XXXX XXXX XXXX. Amerinat collected all the fees and amounts due to them and demanded from them on that day but waited untill the Spring of XX/XX/XXXX to contact the County of XXXX to release their lien without success. They have not released the lien on my property even after the close of escrow but instead are demanding for more money from me. Please help me to resolve this matter and have them release the lien on my property. Thanks.

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 2019-01-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
As of XX/XX/2019 Payment due for Sears Credit Card, I had following two outstanding balances : Promo # 1. $ XXXX/- 0 % APR Expiring on XX/XX/2019 Promo # 2. $  XXXX/- 0 % APR Expiring on XX/XX/2019 ( Which includes $ XXXX/- as Balance Transfer fee also on 0 % APR ) I spoke with Sears Customer Service over the phone and confirmed that If I send the payment of $ XXXX/- on XX/XX/2019 it will be applied to completely satisfy the balance of Promo # 1 and wipeout the balance expiring on XX/XX/2019. 

But when I send the payment of $ XXXX/- on XX/XX/2019, it was instead applied partially ( $ XXXX/- ) on Promo # 1 and {$140.00} from this payment to clear the {$140.00} ( balance transfer fee ) which is part of of Promo # 2 and on 0 % APR till XX/XX/2019. 

I would like to complain : 1. Why did the payment was not applied fully to clear the balance on Promo expiring soon?

2. Why did the Sears Customer Service confirmed me incorrectly that the payment would be applied to clear the balance first but failed to conduct same. 
3. It is clearly violation of consumer right to apply the payment on early expiring balance first.

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 2019-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have been harassed for at least six months, if not longer, by a debt collector by the name of Cavalry, Calvary Portfolio. I have advised each and every representative that I am XXXX XXXX and to please stop calling me. Calls come in, and the second I answer, no one is on the other line. I hang up, the same thing happens minutes later, about 10 times a day. Ive asked them to stop calling my business line, Ive informed them Im XXXX XXXX and dont communicate well on the phone and to please text or email. They refuse, get agitated, and hang up on me. They refuse to tell me anything other than a made up first name, which I cant understand, no business name, demanding information from me. Its gotten so bad that Ive had to block the numbers. Ive done reverse searchs on all the numbers and they are all related to Calvary. On XX/XX/XXXX at XXXX I spoke to someone yet again advising them to stop calling, Im XXXX XXXX. OnXX/XX/XXXX at XXXX I received a call from XXXX once again advising Im XXXX XXXX and not to call my number again. Person kept asking for my name, but refused to identify what the call was or what company he was with. A message was left on my business voicemail on XX/XX/XXXX at XXXX XXXX, referencing a debt, the amount of the debt, my name, all personal information. It was difficult to understand as Im XXXX XXXX, from phone number XXXX. But I couldnt understand the complete message and phone number. These have all come after I repeatedly advised not to call me. Ive blocked most of the numbers six months ago due to robocalling and failure to cease and desist, but they just continue to call from new numbers. I have repeatedly texted asking for them not to call and blocked numbers dating back to the beginning of 2018, yet they are still calling. Its harassing as they call on a phone they know I dont always hear ring, I dont always understand messages or what the caller is saying, and they continue to call. Its harassment and must surly be against some ADA anti harassment law. They just wont stop. Ive been asking them to stop calling for about a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and GM FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation