vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-04 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: MS

Complaint narrative:
I HAVE SUBMITTED THE EXPLANATION OF BENEFITS TO XXXX XXXX XXXX SHOWING THAT THERE IS XXXX BALANCE ON XXXX XXXX BILLS. THE PART THAT THEY KEEP BILLING ME FOR IS A DISCOUNT WHICH ERASES OVER NEGOTIATED FEES OF THE HOSPITAL BILL. 
I HAVE DISPUTED THIS SERVAL TIMES AND THEY HAVE NOT MADE THE CORRECTIONS ON MY CREDIT REPORT. THE DEBT COLLECTIONS NEED TO BE REMOVED FROM ALL CREDIT REPORTS TRANSUNION, XXXX XXXX. 
I AM GOING TO ATTACH ALL EOB FROM XXXX WHEN I HAD XXXX XXXX XXXXI AND I AM GONG TO ATTACH EOB FROM MY INSURANCE UHC FOR XXXX FOR XXXX XXXX. 
I JUST RECEIVED A NEW CREDIT REPORT FROM EQUIFAX, XXXX XXXX XXXX AND THIS IS THE FIRST NEGATIVE INFORMATION THAT APPEARS ON MY REPORTS THAT HAS DECREASED MY XXXX XXXX BY SEVERAL NUMBERS DOWN. I HAVE DISPUTED THIS MORE THAN 30 DAYS AGO AND THEY CONTINUE TO POST IT. THIS IS AGAINST THE LAW. 
I AM ATTEMPTING TO REFINANCE AND THIS IS HINDERING ME FROM MOVING FORWARD WITH XXXX CREDIT AFTER PAYING IN GOOD FAITH TO REPAIR MY CREDIT FOR THE PAST SEVERAL MONTHS. PLEASE ONCE AND FOR ALL REMOVE THE DEBT COLLECTIONS AS I DO NOT OWE MEDICAL FINANCIAL SERVICES ANY MONEY AND I NEVER HAD A CONTRACT WITH THEM TO PAY THEM MONEY THAT I DO NOT OWE.

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 2017-11-04 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: MS

Complaint narrative:
I HAVE SUBMITTED THE EXPLANATION OF BENEFITS TO XXXX XXXX XXXX SHOWING THAT THERE IS XXXX BALANCE ON XXXX XXXX BILLS. THE PART THAT THEY KEEP BILLING ME FOR IS A DISCOUNT WHICH ERASES OVER NEGOTIATED FEES OF THE HOSPITAL BILL. 
I HAVE DISPUTED THIS SERVAL TIMES AND THEY HAVE NOT MADE THE CORRECTIONS ON MY CREDIT REPORT. THE DEBT COLLECTIONS NEED TO BE REMOVED FROM ALL CREDIT REPORTS XXXX, EXPERIAN, XXXX 
I AM GOING TO ATTACH ALL EOB FROM XXXX WHEN I HAD XXXX XXXX XXXX AND I AM GONG TO ATTACH EOB FROM MY INSURANCE XXXX FOR XXXX FOR XXXX XXXX. 
I JUST RECEIVED A NEW CREDIT REPORT FROM XXXX XXXX AND EXPERIAN AND THIS IS THE FIRST NEGATIVE INFORMATION THAT APPEARS ON MY REPORTS THAT HAS DECREASED MY XXXX XXXX BY SEVERAL NUMBERS DOWN. I HAVE DISPUTED THIS MORE THAN 30 DAYS AGO AND THEY CONTINUE TO POST IT. THIS IS AGAINST THE LAW. 
I AM ATTEMPTING TO REFINANCE AND THIS IS HINDERING ME FROM MOVING FORWARD WITH XXXX CREDIT AFTER PAYING IN GOOD FAITH TO REPAIR MY CREDIT FOR THE PAST SEVERAL MONTHS. PLEASE ONCE AND FOR ALL REMOVE THE DEBT COLLECTIONS AS I DO NOT OWE XXXX XXXX XXXX ANY MONEY AND I NEVER HAD A CONTRACT WITH THEM TO PAY THEM MONEY THAT I DO NOT OWE.

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 2017-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It 's concerning inquires on my credit report for the past XXXX months, that I have not had involvement with. I have noticed that my report shows XXXX hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.

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 2017-11-04 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I received the second half of my student loan disbursement {$9900.00} for that school year. Not needing the entire amount of the loan for that I contacted my financial aid office who instructed me to go to the Direct Loans website and pay the amount in return. On XXXX/XXXX/XXXX I did just that and made a return loan payment of {$9000.00}. In XXXX of XXXX when I graduated I decided to work on loan consolidation since I had several loans spanning from XXXX and XXXX  school. I realized that No Where could I find the {$9000.00} payment I made and it was not applied to the loan I had received for the XXXX school year. I called direct loans and asked. Which they replied that because I made an online payment, the payment was sent to pay interest first and split up over several loans that currently held interest. I told them that this was a Loan Return Repayment and was supposed to be allocated to that certain loan. The lady told me it did n't make a difference where it went. I thought this was odd so later that week I contacted my financial aid office again. She said that it was a big deal and I was going to continue to be charged interest for the principle of this loan. Call them back and tell them to allocate that repayment. The next thing I know my loans were transferred that month directly to Navient. I called Navient and they said they had NO record of this loan repayment. That was four years ago! I have been fighting with them for four years. Finally this year they finally have admitted that they do see the payment and that it was split up instead of paid to that loan and " there is nothing we can do for you. '' We can not change the way the loan was sent to us. I have provided extensive bank records to them, requests, I have letters they have sent me saying that no such XXXX payment even existed. They have shuffled me for years. Saying they were going to fix this error. Please give us this info/ that info. etc.They are legitimately defrauding me. Pocketed the money I returned. And continuing to compile interest on the full principle of that loan. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC

Complaint narrative:
After receiving our loan estimate from XXXXXXXX XXXX XXXX and locking in our mortgage rate. The loan processor failed to disclose why the loan estimate for cash to close differed from the final notary closing documents cash to close. We were emailed three different funds to close letters all with contradicting numbers and dates. The evident difference was the interest estimate. We were charged one number shown in the loan estimate and an additional amount in the cash to close documents. After speaking with the loan officer we learned this was padding to protect the bank in case they underestimated their numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a letter from American Express that they had changed in error changed the structure of my Green Card. This was done without my consent or knowledge. The changed had caused me to incur interest and late fees unknown to me. They have supposedly credited my account the interest and late fees but have since tripled my minimum monthly payments and restricted my card usage. I feel as though theyre having me pay for their error. Theres no way I can make a minimum payment of {$2000.00}. They have threaten to report me to the credit bureau. I feel the entire ordeal is unjust and have explained to them I have no problem paying the suppose debt theyre holding me to but to balloon my monthly minimum is causing me financial hardship as a single working mother. Ive outlined all that in a letter to their Chairmans Office but have not gotten a response from them on the matter.
Ive had my American Express card for 18 years and have never had an issue with them until this error which they acknowledge in a letter to me they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates
State: SC

Complaint narrative:
XXXX was performed at XXXX hospital in XXXX, GA on XX/XX/XXXX.  Insurance was filed with XXXX. Received EOB that part of the claim was denied due to XXXX not obtaining appropriate precertification. Bills started coming from XXXX and at least one phone call a month asking to be paid. EOB stated that I was not responsible for the fee. Called and spoke with XXXX and they stated they would pursue with insurance company, XXXX. Kept receiving bills and phone calls once or twice month. XXXX issued a new EOB that the previous denial had been reversed and paid more money toward claim and again stated the bill was paid in full as the rest of the balance was a contractual write off with the insurance company and XXXX and that I could not be billed. Again, the phone calls and bills kept coming. Spent many hours on the phone talking to both companies to resolve the issue. Had XXXX and XXXX on a three way call for XXXX to inform XXXX that I had satisfied my responsibility for the bill and did not owe any more. Still the calls and bills kept coming. Received a call from XXXX XXXX XXXX collection agency on XX/XX/XXXX, without written notice, that the debt had been turned over to them and they were trying to collect. Again, tried to explain that I do not owe. Again called  XXXX and they attempted to call XXXX and they refused to talk to the agent.

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 2017-11-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Credit card ( Cash Wise Card ) did n't pay rewards ( cash back ) on my account with the total amount of {$220.00}. 
Wells Fargo Cash Wise Visa Card stated that : '' When you use your new card to make {$1000.00} in purchase in the first 3 month, you earn a {$200.00} cash rewards bonus '', and " Unlimited 1.5 % on any purchase ''. 
On 1st statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$740.00} On 2nd statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$300.00} On 3rd statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$410.00} On the first 3 months I have used my new Wells Fargo Cash Wise Visa card to purchased more than {$1000.00} as shown above. 
I earned {$200.00} bonus rewards cash back and {$22.00} of unlimited 1.5 % cash back on any purchased. 
I called Wells Fargo Credit Card company to ask them to pay me reward cash back with the total amount of {$220.00}, but Wells Fargo Credit Card company refused to pay my reward cash back with the mount of {$220.00}.

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 monetary relief
Consumer complaint received 2017-11-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS 1- I NEVER HAVE ANY CREDIT OR LOAN WITH XXXX XXXX, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

2- NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

3-BANK OF AMERICA NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

4-XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE 2016 FIGHTING AND THEY DO N'T FIX IT.
5- ON XXXX XXXX I WAS ONLY ONE TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT ....
HOW CAN I FIX THIS PROBLEM ... ... ..
6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY XXXX XXXX XXXX, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..

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 2017-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP
State: MI

Complaint narrative:
XXXX XXXXCalled company in question to again state that I had closed this account voluntarily months ago.The female in the collections department was aggressive and inappropriate in her conversation with me.I had explained that due to failing health I had closed this account.The finance charges are outrageous.Predatory in nature.They have repeatedly sent me notices and contacted me by phone.They offer a XXXX XXXX Rewards XXXX but it is virtually impossible to receive the awards.The credit card company employs rude individuals in the customer service department-as well.

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 2017-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I opened a checking and online saving account with XXXX XXXX XXXX on XXXX at XXXX XXXX XXXX XXXX, XXXX TX XXXX when I worked at XXXX XXXX XXXX, XXXX XXXX XXXX. In summer XXXX, we moved to XXXX and left the bank account as it is. We still logged on to check balance occasional until a few years ago, we just can not login any more online. 

We tried to call XXXX XXXX XXXX by phone a few times, they needed to ask us some questions about myself 10 years ago, we can not pass such questions and it is not easy to make international call to wait on the phone for that. 

Later, we heard that after some year of inactivity, bank will move long time inactive money to government account such as state treasury. 

Therefore we dont know where is our money is, we need XXXX XXXX XXXX to tell us whether the money is still on their book, or they already move to escheat account, if yes, which state we need to reach to claim money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I recently received a letter XXXX dated XXXX XXXX, XXXX ) from XXXX XXXX XXXX informing me that I was being automatically upgraded from a XXXX XXXX to a XXXX XXXX unless I opted out by XXXX XXXX. It took XXXX minutes online ( website refused my card information which was copied directly from the card and then technical support tried to tell me that the website in the letter was the wrong website ) and on the phone to opt out XXXX which I successfully did XXXX. My issue is that I do n't believe companies should be able to unilaterally change a credit card from XXXX type to another ( from a store card to a XXXX XXXX and require consumers to opt out. I think the company should make the offer and let consumers opt in.

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 2017-11-04 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: NY

Complaint narrative:
THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON TRANS UNION AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..

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 2017-11-04 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: NY

Complaint narrative:
THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: NY

Complaint narrative:
THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..

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 2017-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is the lender, XXXX. XXXX XXXX XXXX, TX XXXX, is a preparatory lender and taking advantage me. My car was destroyed during XXXX XXXX and my insurance paid the lender the value of the car. The car was a XXXX XXXX XXXX, I paid the lender approximately {$21000.00} in payments, the insurance company paid the lender {$7600.00} for the vehicle for a total of approximately {$29000.00} for a used car which the original loan amount was {$25000.00} and the value approximately {$17000.00}. The lender states that I still owe {$12000.00}. The total payments for this vehicle would amount to approximately {$41000.00}, over {$18000.00} in interest. This is predatory. See attached payment schedule and pay quote.

Company response to consumer: Closed with explanation