vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
Flagstar advertises and allows " Bi-weekly '' Payments, and under their terms and conditions listed on their website, any payment deducted from the payment account is credited to your loan : " When we receive Payment Instructions, you authorize us to electronically withdraw the authorized payment ( s ) from your Payment Account and credit the payment to your loan account. '' However, these truly AREN'T Bi-weekly Payments as they hold funds " in suspense '' until full payment can be made. This defeats the purpose of bi-weekly payments as the purpose is to lower the amount of interest that is compounding on interest. To state that payments get 'Credit ( ed ) to the loan ' when they are withdrawn and to not actually credit the loan until a full payment amount is withdrawn is unethical and directly conflicts with the terms and conditions listed on their website : https : //www.flagstar.com/myloans/info/terms-conditions. This could also be a violation of my loan 's terms and prepayment options.

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 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: AR

Complaint narrative:
Hello, Today I am filing a complaint on Procollect of XXXX, Texas. The reason in being is because I received a letter from Procollect on XX/XX/XXXX saying I owed a amount of {$11000.00} due to a collection that was said I owed from a old apartment complex I lived at. When calling the collection company, I immediately told them that this debt was not mine and that this was dismissed in the court of law. Upon telling that to Senior Collection Agent XXXX XXXX of Procollect, I experience the most absurd, disrespectful, rude, belittling customer service I have ever experienced. Upon informing him that this debt had been settled he then yelled at me and accused me of being difficult. When I asked to speak to another agent he said that I would, get him every single time, and that he would falsely notate my account saying I was yelling and being rude. He also hung up on me several times. I was also told that I had until XX/XX/XXXX to file a dispute against this collection, however this collection was reported to my credit report and my father/guarantors credit report on XX/XX/XXXX. When I called to gather more information be aggressively asked me, Why do you keep calling being annoying? I then told him that I would file my dispute and would no longer contact them or their client and would like all contact to be stopped between all parties. 

Every customer service agent I spoke to was very dismissive, condescending, and rude. I only wanted to inform them that this debt was dismissed in the court of law and that no judgment had been found against me to pay this, so I dont owe it and to removed it from my credit report. I truly ask that this complaint finds someone who can stop this from happening to anyone else. This debt collector is illegally filing things to my credit report and I am asking that they be investigated and for this collection to be removed from my credit report until further notice. This company has many complaints filed for the same action they took against me and this needs to be stopped.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
They sent a letter saying that they won a case in court and that if we don't pay or make arrangements will face jail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
My name is XXXX XXXX and my email is XXXX. I didnt create a discover credit card that was fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: MI

Complaint narrative:
XX/XX/2020 {$1000.00} spam calls all day non stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: LA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2022-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: MD

Complaint narrative:
On XX/XX/XXXX, I opened an Online Savings account with VIO Bank, and on multiple occasions from XX/XX/XXXX, to present, I notified VIO Bank that my cell phone number listed on my account as XXXX had changed and that I did not have access to that number any longer. I repeatedly requested that VIO Bank update my account cell phone number from XXXX to XXXX. 

I have made multiple phone calls to VIO Bank and provided identifying information verifying my identify however VIO Bank refuses to update my contact information to prevent IDENTIFY THEFT with the use of my old phone number remaining on file. As of today, VIO Bank has failed and/or refused to take the necessary steps to update my phone number to prevent my Online SavingXXXX account from being compromised with the use of the old contact information.

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 2022-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was trying to find out what a Chase Auto Loan interest rate would be, in case i would decide o buy a car. The link stated that there was no credit check and it would give me a response within minutes. Once i filled everything out, it said it would take 24 hours and it checked my credit, now showing on my credit report. I twitted at them immediately to have it removed. They said it was noted and someone would contact me. I called them the following morning and they said they couldn't do anything about it. 
The advertisement was fake. Any " permission box '' was pre-checked so I didn't eve see it. 
I want that removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
This is the nature of the complaint as written in a letter to Aargon Agency the second collection agency they sent after me. 

The Delinquency Notification sent to me by your office pertains to a medical bill from XXXX XXXX XXXX for an additional {$8800.00} of the original amount of {$16000.00}. I am disputing the additional amount due because it was deemed unreasonable and excessive in the amount charged to me by the provider using XXXX XXXX as an objective review process. The total billed amount was {$16000.00} and the reasonable amount according to the XXXX XXXX review should have been {$3400.00}. 
XXXX XXXX has already been paid {$7500.00} on this bill which is already in excess of the calculated reasonable charges for these services. 

The nature of the dispute is really the excessive charges the hospital charged me. It was a brief exam and imaging. I had fallen at home and hit my head pretty hard. The paramedics came and after evaluating my condition said that it was my decision whether or not to be transported by ambulance to the hospital since there was no one to take me. After I failed to reach my husband or sister by phone then the paramedics said that I no longer had the option to be transported and that they needed to have me transported. I really do not understand what I did or what happened to change their minds. Anyways, I was transported about 2 miles to the closest hospital for an evaluation. Thankfully, I was left with just a XXXX XXXX and a sore head but a HUGE {$20000.00} bill! The hospital bill was evaluated by a third party ( as stated above in the letter to both collection agencies. The third party evaluation showed " reasonable charges '' for a short evaluation and imaging performed was {$3400.00}. The hospital already received ( as stated ) {$7500.00} to determine I was " okay '' after my fall. I did not even need a ibuprofen!

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 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Applied for XXXX XXXX  XXXX. Fed loan servicing is returning repeatedly application. I have been submitted my employment verification once a year for ten years, I have worked for 29 years as a XXXX XXXX XXXX XXXX XXXX XXXX. At this point, I have never received a response as to why they are ignoring my application is rejected,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: LA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
send {$200.00} by money gram, from XX/XX/XXXX and they told me that it would be available in 10 minutes after doing it. It's been 3 days and when I call them they tell me that they have to talk to whoever revives the money, then he calls and they say no, it's me who has to call. Later they tell me that my transaction is already under investigation and that it will be solved in a maximum of 24 hours. Those hours have passed and they tell me that it can take as long as it takes. that I can only wait. They said that I can't talk to a boss because there is no other number where I can put my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: MI

Complaint narrative:
{$1700.00} XX/XX/2021 settled to pay monthly never got sent anything

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Western Benefits Group, LLC
State: DE

Complaint narrative:
I received a call in XX/XX/2018 from Western Benefits Group claiming that in order to be part of the income driven repayment program I would have to go through this company. Was informed I'd have to pay a start up fee ( around XXXX dollars ), and then XXXX dollars a month for the life time of the loan to keep the benefits or I'd have to pay the full amount monthly, I was also told I'd have forgiveness through this program after 10 years of on time payments- which was a lie. I was informed recently that it does not cost anything to be in loan forgiveness programs and I was FOOLED into giving this company a start up fee and a monthly fee for 4 YEARS. I'm grateful my loan servicer called me and asked me about this information or they would have robbed me forever. IN ADDITION, when i talk to western benefits group rep, he had NO RECORDS of paying a start up fee, put me on hold to look for the info and came back to tell me he couldn't find it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: WA

Complaint narrative:
I took out this loan on a XXXX XXXX and Ive paid way over the value of this loan. And fees are outrageous. There is still a payoff amount of {$1600.00} to buy out the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WA

Complaint narrative:
I filed for divorce in XXXX of XXXX  which created financial separation from my XXXX. In XX/XX/2021, she fraudulently docusigned my name to a lease at XXXX XXXX XXXX. I never consented to the lease, signed the lease, or visited/used the property. It is in XXXX XXXX and I live in Washington. The debt was sold to Hunter Warfield who is now trying to collect the on the debt. Their number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NC

Complaint narrative:
I paid an debt, and in the attached email I have downloaded for your review stated it would be updated in XXXX days, that was XXXX months ago. I called in today XXXX to XXXX times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not crown asset manager. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and crown asset management received the settlement letter within the XXXX days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to debtsy, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to debtsy. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I paid an debt, and in the attached email I have downloaded for your review stated it would be updated in XXXX days, that was XXXX months ago. I called in today XXXX to XXXX times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not crown asset manager. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and crown asset management received the settlement letter within the XXXX days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to debtsy, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to debtsy. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
Paid off Hervey and Associates in XXXX for past due medical bill. Called several times this XXXX to ask when they will update to credit reports. I keep getting different answers each call. One said they reported the account paid in full but when you call XXXX or XXXX XXXX, they do not have that info update.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation