vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Clark County Collection Service
State: NV

Complaint narrative:
I've been served a summons on debt I was unaware of on a bill that is from XX/XX/2016. I had a medical bill from an er doctor that was turned over to collection agency. I have been at the same address for 5 years until 4 months ago and I have had the same phone number over 15 years. All of my credit reports show this information. The collections agency has made zero attempts to call me, mail me or send me anything certified. They found me at my new residence which isn't even in my name so why couldn't the collection company have reached out. I have XXXX debt in collections and always pay my bills so for them to sue me without notifying me is ludicrous. 
I have spoken with the agency and they are not willing to budge. They will not take off the lawyers fees which is {$500.00} and all the tacked on fees. I am willing to pay the {$1200.00} and {$120.00} in interest fees but they are demanding over {$1900.00}. 
I have reached out to the XXXX XXXX XXXX to file a complaint, the attorneys general office of Nevada and multiple lawyers researching my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection
State: CT

Complaint narrative:
On XX/XX/XXXX I approved of an XXXX security system installation at XXXX XXXX XXXX XXXX XXXX. I never received any bills for this account ( XXXX ) but decided to mail payments beginning in XX/XX/XXXX ( see attached ). These checks were endorsed by XXXX but never applied to my account thus it appeared as if I had an unpaid balance. In XX/XX/XXXX I received a notice from XXXX ( see attached ) that my account would be interrupted/cancelled on XX/XX/XXXX. Even though I mailed another payment in XX/XX/XXXX, this payment also was not applied to my account leading to my account being cancelled on XX/XX/XXXX, and then transferred to collections in XX/XX/XXXX. I made several complaints to attorney generals but there was no resolve on XXXX 's part. I am disputing the XXXX collections on my credit report as my account was actually paid in full as of XX/XX/XXXX but the payments were never applied to my account so I should not be held responsible for XXXX 's error, nor should I continue to be held responsible for Perfection Collection 's invalid collection fee. Lastly, I never received a final statement within 30 days of the service discontinuance. In early XXXX I received a notification regarding the collection and called Perfection Collection and they said the XXXX was a cancellation fee. I contacted them again on XX/XX/XXXX and they are now saying the XXXX is for payment of the account but again XXXX cancelled my account so why should I be responsible to pay for a cancelled account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
A few weeks ago I got a call from the XXXX XXXX XXXX XXXX collections. I have no medical debt that I know of. Although my name matches their records, they confirmed that my birthdate did not match their records. We also established that I did not live at a XXXX XXXX, CA address. I was told that the information discussed would be noted, and I expected that I would not be getting more calls. 

This evening I got another call from the same company. I let them know that I thought that I would be removed from their call list since I am not person they are looking for. I gave them my birthdate again and XXXX confirmed that my birthdate did not match their records. But, instead of telling me that this issue was resolved she told me that my phone number was the one that was given, that they do not remove numbers from the call list, and good luck. 

Since this is not my debt, I did not ask for the date or about the amount owed.

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 2018-10-11 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: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/2018I made a purchase in Colorado while on a work trip for {$140.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. Part of the purchase included a product that was faulty, it did not charge correctly, so I took it back. I'm not sure of the exact amount of faulty product, as my email receipt from XXXX only has the total amount, but I believe it be {$90.00} - {$100.00}. The seller refused to refund, return, or exchange the product without a physical receipt even though I had a square receipt in my email inbox. 

I made a call to XXXX XXXX Visa Credit Card Services on XX/XX/2018 at XXXX to make a dispute. I relayed my story to XXXX regarding the seller refusing to return, refund, or exchange. The case was opened and a temporary reversal of the transaction was reversed. 

On XX/XX/2018 the transaction was re-reversed. I received a letter shortly after stating my claim was resolved, and that the charge would be placed back on my account. The reasoning as stated in the letter was that the charge was a valid charge. There was a copy of the receipt in the letter, which XXXX have may obtained from the seller or the seller 's bank. On my call to XXXX on XX/XX/XXXX, I never claimed the charge was not valid, but rather that the seller refused to return, exchange, or refund a faulty product. 

On XX/XX/XXXX, I made another call to XXXX asking to explain the reasoning of the letter and compare that to my original claim. I told them why I was confused, as the reason in the letter had little do with my original claim. The representative provided little information, but told me my case manager would call me with 48 business hours. I was not called back. 

On XX/XX/XXXX, I made another call to XXXX. I asked why I was not called back. I was not provided with a satisfactory response. The representative made inquiries with me why I believed their decision was incorrect. I had to explain the situation, and my original claim to them again. I was told I would hear something from a case manager within a week. 

On XX/XX/XXXX, I made another call to XXXX. I went through the same motions as before in the other calls. I had to explain my situation again, why I was requesting the dispute. The representative stated that I will receive a call from my case manager. 

I believe I have made myself extremely clear in this matter, and am frustrated that I have no recourse for how I am being treated.

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 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
my student loan amount keeps increasing every month. I ask and they told me that my school did not report correctly the information to the loan servicer, and they adding more money for that. They change the interest rate and increases the amount that I have to pay again. I request Information regarding the reporting problem and they fail to provide me with the information. I need your help in solving the problem since the money going up and up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
XXXX XXXX Points were clawbacked from my American Express Account I tried asking american express to reinstate those points since I have closed the card as I have moved out of US for a while and wont be able to use the cards. 

XXXX refused to do so claiming I was trying to game the system!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I filed this complaint with the FTC # XXXX on XXXX XXXX XXXX  Their response was not relevant. 


Several months ago I was reported to the credit bureaus by the following company : Creditor Information - XXXX XXXX , XXXX . 

Prior to this I was not contacted, not even once! It was regarding a disputed bill from XXXX XXXX from years ago. I had received collection agency letters previously but each company dropped the collection attempt after I wrote them back with proof that the bill is an error. 

I have two compliants : First, XXXX should not be allowed to harass me in perpetuity because they dont want to accept the truth about their bill being an error. 

Second, it should be illegal for a collection agency to report me without ever contacting me. I wrote them a message and the best they came up with was to call them. 

Please note, I far prefer email over all other forms of communication, I am XXXX   XXXX and unable to converse on the phone. I can access email easily using my eye mouse and will reply to your correspondence promptly. 

Thank you.

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 2018-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
After I paid in full my mortgage with dtech financial I requested the refund of my scrow account. The mortgage was paid in full on XX/XX/2018 and XXXX confirmed on XX/XX/2018 that a check of {$2800.00} dollars was issued already. Three weeks later the check was not received and I contacted again dtech customer service for an update. I was told that they have no control over USPS as the check was mailed already. They offered the possibility of making a direct deposit if within a week the check was not delivered. A week later I called again and at this time I was told that dtech does not make any direct deposits to reimburse scrow balances. I was ensured that a new check was going to be issued and delivered within 5 to 10 business days. Today I have been told that the check has not been issued yet. This situation is unacceptable from a financial institution who will not hesitate to charge you fees if you do not pay your morgage on time. However they have the luxury to play with customers money and blame the postal office when the checks mysteriously disappear.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
My mortgage servicer was inept & consequently did not use my escrow account to purchase home insurance from XXXX XXXX. 
The m0rtgage company told me that I needed insurance, or my insurance would be " force placed '' Consequently to be safe, I paid XXXX XXXX directly with my credit card. 
I have sent proof of insurance twice to XXXX, and they still state that I have no insurance, and so my insurance must be " force placed '' This is not the first or even the second problem I've had with XXXX, but it is the most recent. 



To be safe, I purchasedMy mortgage servicer said to confirm my home address ith my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have repeatedly attempted to close ALL of my accounts with Fifth Third, including filing a CFPB report after my grandparents, who are not associated with the account, received personal account information about my account. I am not sure why 5/3 is unable to close my accounts but I want ALL ACCOUNTS CLOSED. I submitted my initial request to close my account in XX/XX/2014 and they still are not closed. 

I feel as though 5/3 is fraudulently maintaining my account. There have been several requests for accounts to be closed and they will not close them. I'm really not sure what is going on or why 5/3 has maintained my accounts as opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
The car was deemed a total loss, and they refused to cash the check my insurance sent them for a year, they sent a tow truck to my brother house to repossess the car that was sitting in the salvage yard and then turned in that the repossessed the car and they never did to negatively affected my credit, the debt collector wouldn't return my calls and wouldn't let me work out a way to pay off my debt and never sent me the information to dispute the debt and neglected to tell me i could do so. this account is no longer in collections and i would like it to be removed from my credit due to the reasons stated before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I been in contact with the california Check cashing place in XXXX XXXX california due to a signature loan i obtained, i had been paying it until i lost my job. I called them in XX/XX/2018 to let them know of my situation and they refused to defer my payments until a job is obtain, i been trying to work with them and they refused to help. I also been asking for information regarding their interest rate on my loan they said that when loans are behind on payments that the interest accrued is different then those loans that are paid on time. I think is unfair and dont see why i am being penalized differently then any other person who pays their loan on time. My loan is for {$2500.00} and they said payoff is {$4700.00}, i dont see how this fair. I have no copies of loan term and they wont email it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: VA

Complaint narrative:
I consolidated a parent plus loan and a personal student loan on XX/XX/XXXX. I filed to pay by PSLF. Since that time I have made exactly 24 payments : XX/XX/XXXX, XXXX, 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/XXXX, 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/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also happen to be in school currently. Twice this loan was placed in deferment without my request - it was done automatically because they saw I was in school. Both times I called and said I do NOT want it in deferment, as I am XXXX, and want/need it paid by age XXXX. It took them forever to mail the document for me to sign a waiver. I immediately faxed back both times. It took forever to take the deferment off both times. I called multiple times and was told BY XXXX XXXX XXXX   that I may continue to make my payment. It would still count toward my PSLF. I did that. There should be some sort of records that I called. According to them, I have made 12 payments. I requested a review on XX/XX/XXXX. Said it was correct. Requested a review on XX/XX/XXXX. I have called. As of XX/XX/XXXX I was told it may take 6 months, and " ma'am I need to be patient ''. I still haven't heard anything back and it has been 6 months. I am not trying to get out of paying this loan. I just need the payments I have made to count toward my 10 years!!!!!!! I did just what THEY told me to do!!!! I would have NEVER EVER EVER made those huge payments if I had thought they would not count toward my PSLF. Someone THERE told me they would count. I can not get anyone to listen. These payments are more than my house payment. I am single with a child at home with no other support. All I am asking is that my payments be counted toward PSLF as I was told. I certainly did not pay an entire extra year 's worth of payments to not go towards anything. I can not get anyone to listen. I have called, I have filled out requests, I have tried email and no one responds. Please please help me to at least get these payments to not be looked at as " overpayments '' as they are saying. ( when I owed XXXX for those months and I paid, they are saying I overpaid, and overpayment doesn't count toward PSLF ). Please please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore Loan Management Services bought our mortgage from XXXX XXXX. They added a fraudulent " fee '' onto our XX/XX/XXXX mortgage payment even though we have never been late and we overpay. We paid the fee so that we would not have a bad mark on our credit, but we called right away to have them take it off, because they had assured us over and over they would charge NO FEES during the first 60 days after they had bought out our loan from XXXX XXXX. We only paid it to make sure we had no amount on our bill " past due. '' We called several times, and they kept lying and saying the charges came from XXXX XXXX, and then from our XXXX XXXX XXXX accounts. Those were lies. We had to do the legwork and contact both banks, who told us Rushmore 's claim was ridiculous. They would charge us themselves if we had a fee. FINALLY we spoke to a supervisor at XXXX who admitted the fee was a mistake HE had added and SAID it would be taken off. When our XXXX bill arrived this week, the fee was NOT credited back to our account!!! PLUS a new {$25.00} fee was added to the XXXX bill with NO explanation or reason!! I believe someone is fraudulently charging us and collecting the money on the side. When we called, the automatic recording that states how much we owe gave us a total withOUT the fee even though it appears on our statement! And where is our credit for the fee we already paid that we should not have owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I CALLED TRANSUNION TONIGHT TO DISPUTE MY CHAPTER XXXX FROM XX/XX/2013 XXXX COUNTY, NEVADA AS ALWAYS WHEN YOU CALL TRANSUNION YOU ALWAYS GET SOMEONE O THE LINE WITH A THICK ACCENT SOUND AS IF THEY ARE MIDDLE EASTERN. I HAVE A HABIT OF RECORDING THE CALL FOR LEGAL PURPOSES. I RECORDED THIS CALL. I ADVISED THE REP. THAT I WANTED TO DISPUTE MY XX/XX/2013 BANKRUPTCY FROM CLARK COUNTY NEVADA I EXPLAINED TO THE REP 3 X WHY I WAS DISPUTING. AFTER 30 MIN OF TRYING TO GET HIM TO UNDERSTAND HE ADVISED ME OK MAAM I WILL SEND YOU A CREDIT REPORT, I ADVISED I DIDNT ASK FOR A CREDIT REPORT XXXX I WANT TO FILE FOR A DISPUTE I HAD TO HANG UP ON THE GUY BECAUSE HE WAS NOT UNDERSTANDING. TRANSUNION IS REPORTING THIS CHAPTER XXXX FROM XX/XX/2013 AND THE BANKRUPTCY HAS SEVERAL INACCURACIES THAT I AM DISPUTING, AND AT THIS TIME I WANT TRANSUNION TO FILE A DISPUTE FOR INACCURACIES. FILING DATE AND 2 CREDITORS LEFT OFF THAT IS NOW TRYING TO PLACE ME IN COLLECTIONS,

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 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I have been blocked from using the full services of USAA banking online etc since XXXX. They have claimed it to associated from an Insurance underwriter blocking me when I supposedly was involved in a crime while insured with USAA. I have called, emailed, chatted on FB etc with them and they still will not figure this out. I am being discriminated by having a crime that I have completed my sentence/parole etc. This has also brought complications to my familys accounts as well. 

XX/XX/2018. USAA replied with the following. In your submission, you state that you have been blocked from using USAA online banking services. You contend that you were advised the restrictions originated from an insurance underwriter who blocked you because you were supposedly involved in a crime while insured with USAA. You add that you have tried communicating with USAA and this has not been figured out. You ask for USAA to restore full access or provide information to show how these processes are reviewed and implemented. Mr. XXXX, the USAA Federal Savings Bank is unable to address your inquiry about the restriction on your account as this pertains to an insurance product. The FSB was notified that the appropriate party reviewed and attempted to respond to you about this matter. If you have additional questions, we remain available to assist you. 

How is USAA Federal Savings Bank not able to address my inquiry about the restriction on my account as this pertains to an insurance product? USAA owns or is a parent company that owns the Insurance Company. When and how did the appropriate party reviewed and attempted to respond to me about this matter? Who is the appropriate party you speak of? Please show me or tell me how this was done. You say you are will to assist, ok. Who do I contact about flipping the main switch to allow me access to full online banking? Do you run background checks on all your customers? If not, I see that you are discriminating against me. How can we fix this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation