vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
Prior to dental services, I asked the company if they accepted my insurance and they answered " yes they did. '' Services rendered were to be paid in full by the insurance company per my policy coverage. After services were performed, I was sent a bill in the mail for the complete cost of services. When I called the service provider, I was told that " the lady who told me that they accepted my insurance had made a mistake and they in fact did not accept my insurance coverage. '' The provider claimed that " I was to be responsible for the full amount of charges. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2018 I was charged {$49.00} to my American Express by a company called XXXX XXXX located in XXXX, PA. 

At the time I was 3,000 miles away in California and did not authorize this charge. 

I filed a dispute with American Express and the merchant provided a " keyed in '' receipt without providing any supporting documentation that the charge was authorized or that any services or products were granted. 

Again, I did not authorize the charge and American Express was aware that I was 3,000 miles away because I both told them and they have access to my account history which showed that I was traveling at the time. 

Despite this, they have chosen to uphold the charge simply because the merchant claims a unilaterally created receipt manufactured without my consent or knowledge somehow legitimizes the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Dear Officer : I bought my XXXX XXXX  at XXXX XXXX XXXX XXXX in XX/XX/XXXX, When I sign the contract, I gave my bank information to the salesman, and tell him very clearly. set up auto pay, he said he will do it for me. 
But a few months later, I find out I have 4-month non-payments, I called a salesman, He does not admit that I have given him my bank information. After that, I paid full past due amount and I set up auto pay online by myself, but my credit score is messed up. I always pay my bills on time, My credit score was XXXX, now only XXXX. 
In XX/XX/XXXX, Toyota toll away my XXXX, they said I have 3 months non-payments, I called Toyota fiancial service right away, customer service said nothing they can do. then I paid the full past due amount and penalty got my truck back. 
My last payment on XX/XX/XXXX. they charge my money, But the online system still shows I didn't make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
So I have been in touch with Navient for a month or so about my financial situation and my difficulty paying off my loan with the current monthly premium of {$390.00}, and they asked for paperwork that I provided them with. But they never lowered my premium. In fact, I received an email from them today asking for {$790.00}! That is the double the original amount, which I had a hard time paying. So instead of lowering my premium, they doubled it. So I believe they are overcharging. Then I realized that there are lawsuits against them regarding the same complaint. 

Meanwhile, I have applied for the PSLF program and got accepted, but that has not processed for some reason. Again, I read about the XXXX XXXX XXXX XXXX ' lawsuit. An organization that I am a member of. 

I have worked for governmental institutions part-time since XX/XX/2009, and full-time since this year. I love my work, and I love XXXX XXXX XXXX as a XXXX. It unreasonable and unethical for Navient to have me go through all this unnecessary and unjustified stress!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: CA

Complaint narrative:
I sent a certified letter to Equifax dated XX/XX/18, that was received by them on XX/XX/18 challenging the accuracy, compliance and reportability of a entry listing a Bankruptcy on my credit report. I received a dispute investigation outcome dated XX/XX/218 from Equifax  stating that they confirmed the information provided to them by XXXX and will continue to report this information. I placed a security freeze on my XXXX consumer account which was effective on XX/XX/2018, in addition I contacted the Bankruptcy Court to confirm that they do not report any public records information to Credit Bureaus. XXXX is not allowed to release any information contained in my consumer report when placed under a freeze. Therefore, I request that the incorrect bankruptcy be deleted from my credit report because Equifax is not able to properly verify the information they are reporting as previously requested they do via the certified mailing. Thank you in advance for your assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I initially had a {$100.00} starting balance and then got a credit increase to {$600.00}. On XX/XX/18 I had a balance of only {$15.00} and I paid the balance off and they closed my account after.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I purchased eyeglasses from XXXX and returned them within the full refund date and received a receipt showing credit refunded back to my AARP Chase credit card for {$530.00} on XX/XX/XXXX. I gave 30 days for the refund to go back to my account. When it did not, I called the credit card company and opened a dispute. They said that they did not receive the refund. This situation has been going on since last year and has not been resolved. I received a letter stating that the account will be turned over to a collection agency on XX/XX/XXXX. I reaching out for assistance to close this situation. 

AARP Chase Credit provided a fax number, XXXX to send in the refund transaction forms. I have emailed and faxed the forms repeatedly. I continuously talk to the credit card company. I was informed that they did not receive the documents. I emailed them and faxed the receipt of return transactions on XX/XX/XXXX and XX/XX/XXXX, and spoke with Chase credit card company monthly. 

The manager of XXXX spoke with AARP Chase Card on XX/XX/XXXX and the situation was not resolved. The refund transaction clearly showed the return of receipt at store # XXXX on XX/XX/XXXX, for {$580.00}. They swiped it back to my card and AARP Chase Card said they did not receive it. 

I have been trying to resolve this issue since XX/XX/XXXX and now the credit card company tells me on XX/XX/XXXX, that I can not open another dispute and I need to call XXXX to reissue the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom it may concern, I sent in several disputes, disputing the inaccuracies of the bankruptcies on my credit report. The credit bureau sent a letter stating that the information was verified and has the US Bankruptcy Court as the address where the information was verified. I called and sent a letter to the US Bankruptcy court and they stated that they don't verify information with the credit bureaus. The credit report shows the liability amount as XXXX which is inaccurate and they have removed the bankruptcy and put it back on my report without a 10 day notice. Equifax has also deleted two other accounts off my credit report then put them back on. Those accounts are XXXX and XXXX XXXX XXXX XXXX. I am submitting the complaint due to lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened my account on XX/XX/2018 online. On XX/XX/XXXX my car was stolen from the sprint store parking lot in XXXX, CA. Contacted chase to check and report all fraud charges and I was refunded only for two and told i only reported two charges when i called back in XXXX to check the status because they told me it could take up to 90 days. I recieved a denial letter and was told they were from a branch that I frequent and that my signature matches my signature card on file. I informed them i never signed a card because i opened my account online and they copied my signature from my CA ID also, theres only one branch in XXXX so yeah I have to go there. I asked to speak to a supervisor who looked over my claim information and compared my signature to the fraud withdrawn slips and told me that they are similar but not the same and that she would escalate my claim and to send in my police report and call back in 5days. Claim was still not approved and was given more runaround about non existant signature cards and branches i go to in XXXX but there is only one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
On XX/XX/XXXX I tried to access my free Equifax credit report via XXXX. Like last year ( XXXX ), I did not get my report but someone else 's when I tried. I've emailed XXXX  and called Equifax. This issue has never been solved. The confirmation number XXXX gave me is # XXXX if this helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
XX/XX/18 I have been receiving debt collection mail at my address for a person unknown to me. This has been a recurring event looking for XXXX XXXX or XXXX XXXX over the past two years. 
Until now I have not responded ; now I believe that the association of my address and my first name may have an adverse effect on my credit. 
The parties are : ERC, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX collecting for XXXX XXXX, XXXX  XXXX, XXXX, IL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had already resolved this issue made a complaint against XXXX XXXX and XXXX XXXX with CFPB XXXX now theyre bugging from Portfolio Recovery Associates! I would like for you to find because since youve sent notification. They called me on Friday XX/XX/18 to harass me! 

Why dont you fine XXXX XXXX, XXXX XXXX and now Portfolio Recovery Associates for harassment under FDCPA FCRA????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 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: MD

Complaint narrative:
Public record of bankruptcies is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt. Also XXXX  has removed 22 accounts, but Experian states they verified the same accounts. I thought the credit reporting agencies use the same method of verification. How can one credit reporting agency come back with something different if they use the same method of verification. The accounts that have been removed by XXXX  are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX.

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 2018-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have had difficulties with the Bank of America claims department regarding two charges to my account from XXXX as follows : XX/XX/XXXX - {$91.00} XX/XX/XXXX - {$91.00} After initially disputing these charges, these were credited to my account on XX/XX/XXXX and XX/XX/XXXX. However, one of the {$91.00} charges was reversed back to my account on XX/XX/XXXX. 

I believe there was confusion on their part and they thought the two credits on XX/XX/XXXX and XX/XX/XXXX were duplicates. They were not - they were both credits to the two disputed charges of the same amount. 

I have spent considerable time both on the B of A website and on the phone trying to explain to them why this should not be a valid charge. After several months and numerous attempts, I have given up and canceled the card.

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 2018-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
For the past 6 months I been calling the company with problem. Not one time have they told me I was underpaid in anything. Now they saying I owe them XXXX dollars more than my fixed interest rate contract without notify me until the very end of XX/XX/XXXX. I call them on XX/XX/XXXX with question and they did not say i was underpaid. I want a refund of XXXX back

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 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
A few months ago I submitted a previous complaint ( Complaint Number XXXX ) since I was applying for a loan modification, but at the same time Ocwen mortgage loan servicing was dual tracking. I was approved for a trial loan modification and I made my first trial modification payment in XX/XX/2018. However, the attorney 's for XXXX XXXX   were continuing their motion to restore a foreclosure case against me ( XXXX Supreme Court Index XXXX ) in XX/XX/2018 in which was the same time I began my loan modification. Therefore, XXXX, XXXX and XXXX the attorney 's for the Plaintiff through E Filing finally requested that their motion be withdrawn. During the first loan modification payment Ocwen assured me that the XXXX payment would drop from approximately {$4300.00}. to approximately {$3300.00}. However, when I was going to make the second loan payment in XXXX Ocwen stated that my loan payment for XXXX would be approximately {$3700.00}. When I called to speak to my assigned relationship manager Ms. XXXX XXXX at Ocwen to complain about the higer loan amounts I was told she is no longer my relationship manager. However, as a result Ocwen gave me the next available relationship manager and I was told they would look into this situation. Ocwen never got back to me, therefore, I called repeatedly in XXXX and never got an answer. Since Ocwen was acting in bad faith I discontinued my trial loan modification. Initially, Ocwen reassured me that they would help me make my loan payments more affordable after the trial loan modification, but their inconsistencies made me weary and appalled. I now want Ocwen to either rescind or significantly reduce the principal loan amount, and at the least give me a reasonable loan modification since I am victim of Ocwen 's duplicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc.
State: NY

Complaint narrative:
Debt collection just showed up on XXXX XXXX as a collection ... tried calling Collection number and only get voicemail to leave your name and number have not heard or received any corespondents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: MD

Complaint narrative:
Public record of bankruptcies is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt. Also XXXX   has removed 22 accounts, but Transunion states they verified the same accounts. I thought the credit reporting agencies use the same method of verification. How can one credit reporting agency come back with something different if they use the same method of verification. The accounts that have been removed by XXXX are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX.

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 2018-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt Recovery Solutions reported a medical bill in the amount of {$960.00} on my XXXX credit report without notifying me in XX/XX/XXXX. If they wouldve notified me, I wouldve had the chance to dispute the medical bill that is not mine. The same medical bill was disputed with XXXX in XXXX which was sold to Debt Recovery Solutions. As I stated in XXXX this medical bill is not mine and the billing error that occurred with the hospital is not my fault. Ive been with the same employer since XXXX and Ive always had medical insurance. Attached is a copy of the complaint that I filed in XXXX which has evidence that this bill is not mine and I would like it removed from my credit report and never reported again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX Chase Bank electronically withdrew {$320.00} from my bank account without my authorization. This has caused me much financial XXXX and XXXX. This was a payment they withdrew in error. I contacted them and they claimed no responsibility whatsoever and said I made the payment and there was nothing they could do. This erroneous theft has since caused me to be overdrawn in my checking account and I have had no access to any money for one week now. This sort of activity is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. I obtained the credit reports and it said I owe {$190.00} to Caine & weiner co and originated with XXXX XXXX. Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX has committed fraud by selling this fraudulent debt to Caine & Weiner Co which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.

Company response to consumer: Closed with explanation