vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: CA

Complaint narrative:
I was in a car accident in 2016 and I ended up having to go to the XXXX. The accident happened in a company car but I was considered an independent XXXX at the time and I had my own insurance to cover the costs of my medical issues. The hospital over heard me say it happened in a company vehicle and refused to bill my insurance and forced me, in my incompetent state to file for workman 's comp. The company I was working for at the time did not take responsibility for the medical bill I was left with. They fired me from my job because of this reason so I was unable to pay the bill off myself. I tried to submit to XXXX XXXX XXXX all the necessary information to dispute it so they would charge my insurance but they never contacted me back in regards to this bill so I was under the assumption they billed my insurance ( being the nave XXXX XXXX XXXX I was at the time ). Fast forward two years I make a XXXX XXXX account and it says I owe {$14000.00} to a debt collector 'Grant and Weber ''. I have received no notice what so ever about this account and was fully unaware and if I knew sooner I would have figured something out before it got to that point. I didn't get any notice from XXXX or the Collections company and the interest on this account goes up almost every week and is almost double the original amount of the bill I originally received. I am not understanding why this has happened and I would like to figure out my options moving forward considering I had no knowledge of this debt. I have learned some new information that Medical centers and collection agencies are legally not allowed to sell my medical information 's to company 's such as XXXX  XXXX, whether that be true or false I am just trying to get to the bottom of this. I have tried to dispute this with the collections agency and they are very rude and unhelpful and often times hang up on me. I've tried to dispute it through XXXX XXXX  and they deny it every single time. This is my last result of trying to handle this debt.

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 2021-05-11 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: Navient Solutions, LLC.
State: ID

Complaint narrative:
Navient is reporting late notations on my credit file for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These late are erroneous as my student loans have been in deferment due to Covid. I have tried to make a payment and Navient has told me that I can not do so because they are in deferment. However, I looked at credit and noticed that they are updating lates?! I am not late! I can not make a payment on these accounts until the end of deferment. I ask that they remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 8 accounts on my credit report that do not belong to me I have not signed for anything or approved anything and I dont have any of these cards I have opened an FTC regarding this and nothing is being done I need help. 

Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX BANK Account Number : XXXX Account Name : XXXX  XXXX BANK NA Account Number : XXXX Account Name : XXXX  XXXX BANK Account Number : XXXX Account Name : XXXX  XXXX BANK NA Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a Simple account holder. They transitioned to BBVA on XX/XX/XXXX. I have not been able to access my account. I keep receiving error messages. I called and got a representative who I couldn't understand and they couldn't understand me and the call kept breaking up. They couldn't help me and just told me to go to a branch. The branch hours are not convenient and I can't take time off work. I can't access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX and XXXX, after multiple unsuccessful attempts to contact a merchant, I submitted 4 total disputes about charges to my XXXX  XXXX XXXX credit card, which had been double-billed both to my XXXX and XXXX cards. A few days later, I got an alert on XXXX XXXX that my credit score had dropped by about 20 points. I checked my Experian credit report online and it showed a comment : " Account in dispute -- reported by subscriber ( fcba ). '' That's just not true -- I disputed a few charges, not the whole account. 

After many calls to XXXX in which they displayed a total inability to correct a mistake they made, I tried calling Experian. I didn't want to dispute this account through their online process because the account already is in dispute, and after much XXXX I also wasn't able to find a number to call to file a dispute. Experian 's online instructions tell you to call the number at the bottom of the credit report they send to you, which you ... have to pay for, apparently? I wasn't able to find any such option available when viewing my credit report online. This is just absolute failure, a chain made entirely out of weak links. XXXX doesn't have an option internal to their organization to resolve this error, they point you to Experian, which makes it nigh on impossible to get anything fixed.

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 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
We have being asking since XX/XX/2020 to do a loan Modification to BSI Financial Services. 
It took them 9 months to send the papers. When they send it the dates were wrong, putting us automatically in default and the terms were unacceptable. They responded that it was non-negotiable. 
In addition they are increasing the monthly payment by 40 % and asking for a {$30.00} payment to pay expenses. 
It is impossible to reach anyone, and when we finally after numerous emails and calls, reach someone they can not discuss, nor decide anything. 

We really need your assistance. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management keeps calling my work number and hanging up on me. Called them and stated to them not to call my work number. They are continuing to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I made an online mobile deposit, on XX/XX/2021, for {$2300.00}, I visited TD bank, in XXXX ; XXXX Florida ; the bank put a hold on the check, Beyond the next business day ; I visited TD bank 's local office, with the check in my hand ; with a Florida ID ; I was refused service, or any portion of the funds from the above attempted mobile deposit ; I feel like I was discriminated against by TD Bank 's, XXXX ( TD Bank ) Manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/21, my friend 's XXXX account was hacked and someone pretending to be her asked me for a favor to send cash to someone named XXXX XXXX on her behalf. We would settle it out the following day, but she just needed me to send the money at that time. The message was not desperate in nature and sounded very reasonable, so I proceeded to make two XXXX payments to the person she requested, the first for {$450.00} and the next one for {$1000.00}. After sending the second request, the person requested more money alerting me that this was a scam. At that point I called my bank, Chase and told them about the incident. They recommended I file a police report, which I did, but stated they could not do anything to stop the payment. I find it unacceptable that an institution like Chase would not carry insurance to protect customers from fraud and that a cash app like XXXX is not willing to protect customers from fraud. As of XX/XX/21, Chase has denied my claim to refund the money despite filing a police report and alerting the bank at the time I was defrauded. Chase should not recommend the use of a cash app to its customers which does not protect customers from fraud. Chase stated they could only remediate the issue if they conclude that the money was sent to the " wrong recipient. '' In this matter, the money was sent to an unintended recipient from which the bankXXXX should seek to get the money back from or cancel the payment. 

Incidence was reported to XXXX Police Department on XX/XX/21 XXXX XXXX. XXXX took the report cell : XXXX office : XXXX Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I wrote to Transunion to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 8 accounts on my credit report that do not belong to me I have a FTC attached this is a case of identity theft and I need this taken care of asap!!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-05-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I wrote to Experian to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.

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 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX and XXXX, after multiple unsuccessful attempts to contact a merchant, I submitted 4 total disputes about charges to my Bank of America credit card, which had been double-billed both to my BofA and XXXX cards. A few days later, I got an alert on XXXX XXXX that my credit score had dropped by about 20 points. I checked my XXXX credit report online and it showed a comment : " Account in dispute -- reported by subscriber ( fcba ). '' That's just not true -- I disputed a few charges, not the whole account. 

After many calls to BofA in which they displayed a total inability to correct a mistake they made, I tried calling XXXX. I didn't want to dispute this account through their online process because the account already is in dispute, and after much XXXX I also wasn't able to find a number to call to file a dispute. XXXX XXXX  online instructions tell you to call the number at the bottom of the credit report they send to you, which you ... have to pay for, apparently? I wasn't able to find any such option available when viewing my credit report online. This is just absolute failure, a chain made entirely out of weak links. BofA doesn't have an option internal to their organization to resolve this error, they point you to XXXX which makes it nigh on impossible to get anything fixed.

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 2021-05-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I wrote to Equifax to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: PA

Complaint narrative:
I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.

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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Drew Eckl & Farnham, LLP
State: GA

Complaint narrative:
I have asked XXXX to give me a payoff amount for a HELOC. XXXX has not given me credit for payments that I have made since XX/XX/2020. I have made payments every month since XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
We tried for years to get the medical  debt straightened out with XXXX XXXX. We never owed this as it was a clerical error from the doctors office. Our insurance covered the procedure per our policy. Charge was from 8 years ago. They would tell us it was all set as it was 100 % covered by insurance, then contact us a year later to collect again. This went back and forth for a few years with my husband making several phone calls. We then no longer heard anything for years. We assumed they finally got it coded correctly until we found it on our credit. We contacted the collection company who said we had to pay it or face bad credit. We asked to talk to the doctors office but they stated they wouldnt talk to us since it was in collections. We paid it in full just to get rid of it. Our credit was affected anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XX/XX/XXXX, I have disputed an account ( XXXX ) to which I have no knowledge of. Equifax has refused and neglected to provide me with any verifiable proof that the account belongs to me. I submitted a follow up letter in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not received anything from them regarding this account but they continuously update the Date Last Active. 

Also, I have disputed certain inquiries from Experian on my report, and that too, have been ignored. These accounts have no permissible purpose on being my report : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: AES/PHEAA
State: TX

Complaint narrative:
XX/XX/2021 Student Loan Consolidation Scam I received a letter in the mail that stated " Student Loan Consolidation & Payment Reduction Program Prepared For : ( me ) '' - New Laws Discounting Federal Student Loans It included information that seemed legitimate with options for student loan consolidation and forgiveness plans with directions regarding using my FSA account. I am familiar with this process since I attended college and completed FAFSA regularly. The website link ending in ed.gov also made me feel comfortable going through this process. I quickly logged in my existing account and then called the phone number XXXX to speak with an " expert ''. I figured they could help guide me through the website and complete the appropriate actions. 

I called the number and spoke to a rep. He somehow logged into my FSA account and changed my password. ( I later went in and changed it ). He asked me basic questions about my income, family size, etc. Everything seemed legitimate and went smooth until he placed me on a brief hold and returned saying that I was approved. 

I started to get a bad gut feeling from the following actions : - He stated that there would be a " fee '' that he could not specify. I was placed on a brief hold and when he returned he let me know that it would be {$790.00} or two payments of {$390.00}. There was a third option for 3 payments of {$290.00}. 
-He seemed very pushy and wanted me to schedule out a payment within a week. For someone who is trying to lower a student loan payment, this simply does not make sense -He then asked for my checking and routing number over the phone. When I expressed skepticism he started to recite my social security number and personal information back to me to somehow reassure me that it was not a scam. 
-I asked him if he was a part of FSA organization he said yes, and used the fact that he could access my information as proof of that -I questioned him further and asked him if the service that he was providing me could be completed directly through the website and he stated " well yes, but many people can not do it correctly, just like people who do their taxes by themselves '' -He somehow sent me 2 documents to sign from XXXX  via email. One was for student loan forgiveness ( I make enough money that I wouldn't qualify anyway, so that didn't make sense to me ). He asked me to delete the first one. 
-As I started reading through the second document, I noticed the business name was Cornerstone XXXX XXXX. 

I did not sign any documents and politely ended the phone call. I did not appreciate being mislead and ended up completing an application free of charge in about 5 minutes after ending that phone call.

This is a terrible scam and unsettling- especially if they are taking advantage of people who took out loans to get an education and are looking to save money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ON XX/XX/XXXX I HAVE USED AFTER HOUR DEPOSIT BOX IN CAPITALONE BANK LOCATED AT XXXX XXXX XXXX XXXX XXXX USING KEY ASSIGNED BY BANK. I HAVE SUBMITTED CASH BAG TOTAL {$920.00} IN A BOX UNDER RECEIPT NUMBER XXXX. ON CHECKING UPON MY ACCOUNT CAME TO KNOW BANK HAVEN'T DEPOSIT THAT MONEY IN MY ACCOUNT. I IMMEDEIALTY CALL BANK AND SPOKE TO THEM ABOUT IT. THEY HAVE ISSUED ME CASE # XXXX AND TOLD ME TO WAIT FOR 5-7 BUSINESS DAY ALSO HAVE CONTACTED FRAUD DEPT @ XXXX. THEY TOLD ME TO WAIT FOR 7 DAYS, I CALLED AFTER 7 DAYS THEY TOLD ME TO WAIT FOR ANOTHER 7 DAYS NOW TODAY IS XX/XX/XXXX XXXX HAVEN'T RECEIVED ANY RESPONSE. ITS ALMOST MONTH AND NO BODY IS HELPING ME OUT. FOR ANY QUESTION I CAN BE REACHED AT XXXX.

Company response to consumer: Closed with explanation