vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The original creditor was Departme nt Stores National Ban k. The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt. Departme nt Stores National Bank assign ed a debt collector,  XXXX   XXXX   XXXX . I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off to  XXXX   XXXX   XXXX . I have the original letter of proof from them stating the debt is paid. Just after that date, Departme nt Stores National Bank hired 2 other debt collectors ,  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied. Departme nt Stores National Ba nk then hired  XXXX   XXXX   XXXX   AGAIN to collect the  debt. This was on  XXXX / XXXX / XXXX .  XXXX   XXXX   XXXX  said they did not show a record of the pay off. I had to send a copy of the letter FROM  XXXX   XXXX   XXXX , TO  XXXX   XXXX   XXXX  to prove I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX  Departme nt Stores National Bank   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN from  XXXX   XXXX   XXXX   ( no w known as  XXXX   XXXX   XXXX  ) saying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  XXXX   XXXX   XXXX   XXXX   XXXX  saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!

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 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I  XXXX   XXXX  am entitled to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a   XXXX   XXXX   work related accident. My  Union  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for over  18-months, s everal medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit  of a 180-day wr itten notice that after  the 180-day  notice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB   XXXX - XXXX -  XXXX   XXXX   agree ment of  2015 . All  medical collections m ust be removed immediately by all medical debt  collectors , and I must be send a  180-day notice, so my insurance can work on resolving all claims. REMOVE ALL MEDICAL COLLECTIONS A S MANDATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: TX

Complaint narrative:
I first contacted Equifax regarding inaccurate information reporting on my credit report from a collection company  XXXX   XXXX   XXXX    XXXX    and  XXXX   XXXX  reporting several accounts that are not mine which was the basis of my dispute in    XXXX   XXXX   XXXX  .  Not only do these accounts not belong to me but the collection agency   XXXX   XXXX   XXXX   XXXX   are not bonded or licensed in the state of  XXXX  to collect debt under the  XXXX   Finance Code . Equifax returned these accounts as " verified ''. I then submitted a certified request in  XXXX  asking for method of verification which I am entitled to. No response from Equifax. In  XXXX  I sent another certified letter requesting that this inaccurate information be removed from my report or that I am sent actual proof that these debt belongs to me. On    XXXX   XXXX   XXXX       XXXX   XXXX  was removed from my report. I was relieved to think I was finally making progress. That was short lived when  two  days later on  XXXX   XXXX , I received an alert from my credit monitoring service that I had a " new collection account added to my report ''. I checked and it was in fact  XXXX   XXXX  being added back to my Equifax credit file. My frustration did not stop there. On or about    XXXX   XXXX   XXXX     , I received an updated report via my credit monitoring service and noticed th at 3 of the 5 ina ccurate accounts from  XXXX   XXXX  were removed from my report. Again, thinking that Equifax was finally doing their job, I was making progress. My score went from poor to fair! 3 days later, I received an alert that new collection accounts were added to my reports. Yes, you guessed it  XXXX   XXXX  was added back to my file causing my score to drop  XXXX  points!!!!! I am furious that not only is Equifax not properly handling my dispute but the improper handling of my dispute has caused more detriment to my score with the removal and then adding these accounts back as if they are " new collections ''. My rights under the FCRA has been violated as well as my rights under the  XXXX   Finance Code . I want all of the accounts being reported by   XXXX   XXXX   XXXX   XXXX   and  XXXX   XXXX  to be removed and STAY GONE from my reports and I would like Equifax to send me an updated copy of my credit report. I understand that Equifax does not control my credit score but the improper reporting of their information drives this score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX, I paid {$700.00} to Santander Consumer USA on my car. The amount paid brought my account current. InXX/XX/XXXX I received notice that my car note was behind $ 1500+ dollars, and that I was 4 months late. When I contacted Santander about this issue, I was informed that the last payment they received from me was in XX/XX/XXXX and that I did not pay in XX/XX/XXXX XX/XX/XXXXor XX/XX/XXXX This information is inaccurate, and it still does not explain where the extra 4th month payment is missing from. <P/>I 've spoken with representatives, managers, supervisors and no one can seem to get my account correct. The issue of this account has dated back to XXXX, when I set my account up on a reduced payment plan due to a family emergency. At the time I set my payment plan up, I was informed that it would be good for 6 months, and at the end of the 6 month, my regular monthly payments would resume going into the 7th month. When I noticed that the company was still taking out the reduced payments, I found out that I was to contact the company and request them to change the reduced amount back to my regular payment amount. <P/>Santander Consumer USA has not appropriately applied the car note payment to my principal, and they are not accounting for all of my months payments. I am not the only consumer who is facing this issue. If you check out XXXX reviews, 1.6 star ratings overall is what the company has received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
COLLECTION BUREAU OF AMERICA ACCOUNT NO.  XXXX  is trying to collect for   XXXX   XXXX   AKA   XXXX   XXXX   XXXX   XXXX  .THE DEBT IS BASED ON FRAUD OF   XXXX   XXXX  .In early  2015  I ordered   XXXX   XXXX     at a local  XXXX  ; the service was sold to me at $   XXXX /mo.On  the very  1st  bill I discovered there were added surcharges and fees far in excess of the   XXXX   XXXX  /mo.   I h ad agreed to.I called the  company, we tried to have a meeting of the minds ... but they insisted on staying their ground and overcharge me what I  was sold..So I tol d them to come pick up their equipment..I do n't like being lied to when sold a service.We had  3 diff erent appointments at our home to pick up the equipment. XXXX  was a no-show all 3 times and now they fraudulently bill me as if they are selling me their equipment as well, that  XXXX  WO N'T COME GET ! It is stil l sitting at my house.   When I checked the Better Business Bureau It became obvious that this is a widespread financial fraud and that this is  XXXX / XXXX  pattern and practice to defraud holding the negative credit bureau reporting as leverage to extort monies not owed.THE DEBT APPEARS ON  XXXX ,  XXXX  AND  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Michael Harrison, Attorney at Law
State: NJ

Complaint narrative:
I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over 18-months, several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day writt en notice that after th e 180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . All  medical collections m ust be removed immediately by all medical de bt collectors,   and I must be send  a 180-day n otice, so my insurance can work on resolving all claims. REMOVE ALL  MEDICAL COLLECTIONS AS  MANDATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
I got a loan with them initially the pay off amount was  XXXX  they would not let me view the truth in lending or loans and started debiting my bank account every  2  weeks  XXXX  I looked on the website and they have made a repayment plan for  1 whole year every 2 w eeks for  XXXX  I would have never signed anything had I known they would charge this much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The aforementioned credit collection agency representing  XXXX   XXXX   XXXX   XXXX  has violated FCRA by not providing documents to me in regards to this debt, my HIPAA has also been violated because they have not provided me signed documents with my signature on anything where I have giving my permission for anything pertaining to this debt. This account is unverified and immediately needs to be deleted from my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all of the documents that they have recorded or retained in their files pertaining to this " debt ''. If  Medical Data Systems  does not have any documentation, they need to retract this from my credit file immediately.

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 2017-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I had 2 or 3 misapplied payments at the beginning of this year. And Nationstar stated they was checking into and I was also trying to apply for a modification. However, I was told no to worry bout misapplied payments and they will adjust them with the new modified loan. I recurred the package in XX/XX/XXXX and mailed in XX/XX/XXXX and at the XX/XX/XXXX they stated the lender was not allowing me to re modifify again. By that time I was about 4 months XXXX, I hadappkief for assistance from home save and I mailed my package and I answered or phone back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: GA

Complaint narrative:
On   X/X/2017 ,  Equifax received my certified request dated   XX/XX/2017 .  The request was to investigated several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15 U.S.C. 1681g, I   requested disclosure of documents recorded and retaine d in their file ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified request were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising Equifax of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
I   XXXX   XXXX   am entitle d to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a near fatal work related accident. My  XXXX  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for ov er 18-months, severa l medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day w ritten notice that after the  180-day n otice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFP B  XXXX - XXXX -  XXXX   XXXX   a greement of  2015 . All  medical collections  must be removed immediately by all medical debt collectors, and I must be send a 180-day notice, so my insurance can work on resolving all claims. REMOVE AL L MEDICAL COLLECTIONS  AS MANDATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: AES/PHEAA
State: MN

Complaint narrative:
Fedloan has been a nightmare to work with for several reasons : First, their website does n't give all information pertinent to the loan in question. I recently obtained a student loan for XXXX XXXX. The website stated that all prior loans were in forbearance and showed no interest owed on the subsidized loans. My classes ended in XX/XX/XXXX. Suddenly, in XX/XX/XXXX, interest showed up on the website dating back to XX/XX/XXXX when the program completed for each of the loans giving no chance to pay the interest as the loan progressed. This is fraudulent, in my opinion. If loan interest is being capitalized, it should be reflected on the website. <P/>The website automatically cancels direct debits while the loan is in a forbearance or deferment and does n't allow for payments to be made automatically during this time. Thus, the borrower must manually go online to make payments during those times. Meanwhile, no notification is made to the borrower that the payments have been ceased, so unless the person is actively monitoring the website, it 's impossible to know that the payments are n't continuing. <P/>Most recently, I submitted a request to change the account I 'm direct debiting my payments from as well as my wife 's account. I processed this request more than a week before my payment was due. A week AFTER my payment was due, I got a notification that I was late. The website currently shows that my wife 's next scheduled direct debit is XX/XX/XXXX for double the amount I requested. It also says there 's a manual payment being made in the amount of {$170.00} that is in process. <P/>Additionally, Fedloan will take sometimes up to a week and a half to complete a payment from an account. Meanwhile, the account is earning more and more interest. I believe this is also fraudulent. <P/>Also, as a note on the income driven repayment plan, my wife an I used it exclusively since XX/XX/XXXX when I graduated college. During that time, sometimes it showed that we owed payments of {$0.00} and gave us long periods of forbearance. To have the minimum payments automatically set to far below the interest capitalization is setting students up for failure. A couple of our accounts had accrued hundreds on hundreds of dollars in back interest during that time. It was n't until I began working in the XXXX XXXX that I began to understand exactly what was happening and started to take measures to correct it. This practice is unethical at best and should be illegal. I applied for the same repayment plan with XXXX ( XXXX XXXX ) and XXXX XXXX and neither of those providers gave a payment that was less than the interest owed each month. Even currently, my total owed payment on {$14000.00} with Fedloan is only $ XXXXmonth. That 's insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has reinserted accounts that had been removed from my credit report without notifying of this action and giving me 5 days notice. I tried to contact to have this issue resolved but was advised I did n't give specific information. The law states that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. The accounts that were previously removed and then added back without giving me a 5 day notice where :  XXXX  's for {$1900.00},  XXXX ,  XXXX ,  XXXX   XXXX  and a inquiry f rom      X/X/2016 .  I never received any notification from Equifax. I am asking for this information to be deleted as it previously was and I am advising that I never received a 5 day notice of the information being added back to my Equifax files. I 'm asking your company to delete the accounts. Please send me an updated credit report within 10 days showing me that the accounts above have been deleted. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NE

Complaint narrative:
XXXX XXXX 2017 Amount : {$800.00} Received an offer via mail from Big Picture Loans for an {$800.00} loan. When I applied online, I immediately received a phone call from an agent representing Big Picture Loans. This agent had me on the phone before the loan application was complete, and persistently instructed me to hit complete for the loan while not disclosing the loan terms. This agent, nor the application process or acceptance process, failed to inform me that the APR was 664.6513 %, nor did the agent inform me of bi-weekly repayment for the loan. It was n't until after the loan was completed that I had access to the " Truth in Lending '' form from this company. Due to all of these factors, I feel I was falsely given information in selecting this loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over  18-months,  several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of  a 180-day  written notice that after the  180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . Al l medical collections  must be removed immediately by all medical debt collectors, and I must be send  a 180-day  notice, so my insurance can work on resolving all claims. REMOVE ALL  ME  DICAL COLLECTIONS A S MANDATED!!!

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 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have it in writing that after spending  XXXX  dollars in 3 months, that my annual fee will be waived.     I have this promise by  XXXX  and  XXXX  and it is documented also.     I called in at  XXXX  and was told not  one  thing is in the notes by  XXXX  on  XXXX  at  XXXX  and she was also so rude and even said there are so many notes on your account and you call in all the time like I have no right to be helped.     She told me to I had to go and pull the letter for proof to her and was so rude and said I needed a date as she did not wish to go through all of my notes. She basically poked fun of me in many ways and when I asked her to talk slower, she had an attitude all the way.     I then was forced to call back and the offer is noted on my account effective  XXXX   XXXX .     Please look into this on the rudeness of  XXXX  please.

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