vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: OR

Complaint narrative:
Hi! 

On XX/XX/XXXX I visited the ER at the XXXX XXXX XXXX Hospital. I provided my insurance information at the time of service. I received and paid 4 bills that were processed through my insurance XXXX XXXX XXXX XXXX XXXX, which was provided to me by XXXX. One bill, attached, was a facilities fee for {$570.00}. 

Without telling me, my insurance refused to pay this bill. They claimed the billing codes were fake. Also without telling me, the hospital sent this claim to a debt collection agency after 3 months. After a long back and forth in which I had no leverage, I ultimately paid {$290.00} to the debt collector CMRE Financial on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On all 3 of my credit reports Wells Fargo reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because Wells Fargo know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since Wells Fargo had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against Wells Fargo. The information by law should be removed until the litigation is completed.

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 2018-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On all 3 of my credit reports XXXX XXXX reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because XXXX XXXX know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since XXXX XXXX had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against XXXX XXXX. The information by law should be removed until the litigation is completed.

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 2018-05-13 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: VA

Complaint narrative:
On all 3 of my credit reports XXXX XXXX reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because XXXX XXXX know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since XXXX XXXX had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against XXXX XXXX. The information by law should be removed until the litigation is completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On all 3 of my credit reports XXXX XXXX reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because XXXX XXXX know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since XXXX XXXX had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against XXXX XXXX. The information by law should be removed until the litigation is completed.

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 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XX/XX/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 2018-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XX/XX/XXXX I have asked to remove escrow account for the reason it was never included in the refinance in XX/XX/XXXX. I request so many time to escrow account to be removed and it was removed around XX/XX/XXXX. I requested for loan modification around XX/XX/XXXX and after long hassel my has been modified. I also inform multiple times and was to write multiple times I don't need escrow account. Despite this escrow has been added against my will. Since I have stated on multiple occasion not to include escrow account in writing escrow should part of my payment against our will.

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 2018-05-13 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: CT

Complaint narrative:
XXXX ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX mortgage service company as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. XXXX has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of XXXX 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before XXXX 's false report. 

The service company name and address : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX tel : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX mortgage service company as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. XXXX has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of XXXX 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before XXXX 's false report. 

The service company name and address : XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX tel : 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 non-monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: WA

Complaint narrative:
Hello. 

I went on XXXX XXXX and saw that a new collector has taken over my debt. I've sent two emails and called a few times and haven't been able to get ahold of them. I've looked up info on them and everyone seems to think they are fraud. 

I don't see how this company could be fraud if they show up on XXXX XXXX though, right? 

Look, I just desperately want to pay this XXXX debt but I don't to pay some scammers. The company is called Commonwealth Financial Systems. How do I figure out if they are legit? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: TX

Complaint narrative:
I received an email on XX/XX/XXXX stating that ACS/Conduent would no longer be servicing my loan as of XX/XX/XXXX. That is informing me without prior notice at all. I have not been able to log in to their site to check if my last payment was received nor have I been contacted by any other company to service my loan. We are XX/XX/XXXX I do not want some miscommunication affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On XX/XX/2018 I test drove a truck. I asked the salesman how much it will cost he said fill this information out. I said I dont want a hard credit check and he said we only do soft checks in the beginning. Here it turns out he lied to me and did a hard check!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: KS

Complaint narrative:
On XX/XX/2017, I used my Chase XXXX credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX with my XXXX card of {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a single attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant each through the dispute and the appeals and was unable or unwilling to help resolve the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
called company tried to find out what this was and company did not have any of my information not my ss #, date of birth or anything tried to tell them that it wasn't me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK
State: MA

Complaint narrative:
My Discover Credit Card was hacked in XX/XX/XXXX because XXXX  stores were hacked and all their clientele 's personal information was taken. I did not realize that my cards had been hacked until XXXX/XX/XX/XXXX. I disputed the charges to my 3 credit cards that I had the XXXX hacked charges. Two of the credit cards refunded my money and Discover refused to refund me what they owed me from that hacking : {$3400.00}. In their estimation, there were just 7 XXXX charges and they felt that those charges were real that I was responsible for them. There were 21 hacked charges not 7. Normally they would call me when there was a constant charge coming from the same place but they never did and they continued paying off those XXXX charges until XX/XX/XXXX. I put in the dispute against the 21 charges and asked them to send me a copy of each charge with signatures. They kept sending me 7 - 9 of the signed charges over and over again and wouldn't send me the 21 signatures. At one point they were going to refund me {$1700.00} until they suddenly took that away and decided, without my approval or authorization to close my case, which they did in XX/XX/XXXX and found that out in XX/XX/XXXX that the case had been closed and that they couldn't do anything for me because I was responsible for all those charges!!! I spoke to someone in the Dispute Office and they told he told me that he would look into it and open it back up for me. Never heard from him and I kept calling asking them what had been done with my dispute. I put in a dispute with the Office of Consumer Affairs in Illinois with XXXX XXXX : XXXX, DE ; XXXX DE ; and again with XXXX XXXX in Illinois because it seems that Discover Card are in so many states that I was being shuffled around from one state/office to another. Charges on my Discover Card from XXXX paid cards that was supposed to be shut off : 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,1XX/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 tried to get a copy of all those signatures from XXXX but they informed me that they don't keep receipts. How Discover ever got those 7 signatures and could not get the rest of the 14 signatures is beyond me and truly puzzling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I needed a better car to go to work. I went to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA, in XXXX XXXX XXXX XXXX offered me a XXXX XXXX XXXX and it was used. The car was in good shape and we proceeded to do the paper work. I was approved for a loan from Capital One Auto Finance for XXXX dollars a month and for 6 years. The car dealership said I could apply for a lower interest rate after one year and I went for it. I had a great job and I could afford XXXX a month with a high interest rate approximately 26. But when my mother became ill and I had to travel more often to visit and help out with her rent things got complicated. I struggled to pay this car. I called the company several times and they did help by extending my payments, but never with lowering payments or bringing down the interest rate. When my mother passed away I had to step down from work because I had a melt down. I got behing on the payments. I called the company again to lower the payment and this time they helped me with lowering my payments to XXXX dollars. And the interest rate was lowered to 17.92 %. Only {$48.00} was lowered. Capital one also extended my payments for 20 more months. I had no choice but to accept this offer. They said I would fall eventually into repocession. I had no more options.No bank could help me with my bad credit. I feel deceaved from the XXXX XXXX and Capital One Auto Finance. These car loans with high interest rates as high as credit cards are unacceptable and My original loan was for {$15000.00}, open date XX/XX/XXXX, I have paid {$17000.00} in total interest, {$9300.00} total principal paid. Now its in repocession and I feel I should pay them nothing!!!!! not one more penny. This car is mine and XXXX XXXX and Capital ONe Auto Finance take advantage of people. It needs to stop and I want money returned back to me for all the deception these two companies have caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I get this email from a company called XXXX XXXX XXXX saying I have a loan due. 

I DO NOT have any loans or I have not applied for one. This number is not a working number. 

Email says : XXXX XXXX XXXX XXXX Your payment is due soon - we look forward to seeing you Hi XXXX, This is a quick reminder that your payment is almost due. We look forward to seeing you on XX/XX/18 to make a payment of {$550.00} on your current loan. 

For additional payment options, call your XXXX XXXX XXXX  Store at XXXX and we would be happy to discuss them with you. Did you know that check cashing, XXXX, and XXXX XXXX services may also be available in your state? Ask about these services on your next visit. 


Thanks for choosing XXXX  XXXX XXXX - we appreciate your business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX and XXXX of this year, I contacted Equifax, XXXX and XXXX online to dispute an account with XXXX XXXX that meets the requirements of " Credit reporting time limit ''. I am a single mom of 3 trying to purchase a home and this is the only account that is affecting my credit. This is an account that was paid off almost 8 years ago, but unfortunately I do not have a receipt because I went through a divorce process and can not locate most of my paperwork for old bills. XXXX and XXXX  immediately deleted this 8 year old account to my satisfaction and my score is in the mid 700 's now with both of them. With Equifax I have disputed it TWICE and I even told them that by law, credit bureaus are only allowed to list negative items for a certain amount of time, and the XXXX account meets and EXCEEDS the time limit for negative information. Please help me in resolving this issue. I don't understand why XXXX and Equifax keeps violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a XXXX letter to Experian ( XXXX ) asking that they remove certain inquiries off my credit file, that did not belong to me. 
As well, any addresses other than XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL. XXXX. 
Subsequently thereafter, I was notified through Experians ( www.experian.com ) credit monitoring system as well Experian id works ( XXXX ) on Wednesday XX/XX/XXXX about a potentially negative item on my credit bureau which was XXXX XXXX XXXX. 
I personally reached out to XXXX XXXX XXXX and confirmed with them that this was an error. 
They themselves, were not sure why Experian was reporting this information on my credit file because the social security was not mine XXXX, neither did the address match. The only thing matching was the name, they stated they asked Experian to remove it immediately. 
A few days later I discovered that monthly subscription of a free credit report with ( www.Experian.com ) was not  working as well the same with ( XXXX ) both services were giving error messages for not being allowed to pull my credit bureau. 
Experian id works filed a trouble ticket on my behalf with Experian directly because Experian has me on a write in status only. ( Completely abusive tactic on Experians part for people who ask them to respectively do their job correctly, they will ban you from calling ) For an over entire month, Experians technical team gave their own colleagues the run around and continually stating they were addressing the error messages and finally this week, Experian told their affiliate to tell me, the party has to put his request in writing almost two months later. Completely and Utterly Unbelievably Abusive That same day my credit file miraculously came back online with both www.Experian.com and www.Experianidworks.com however this credit file was not mine and had been crossed with another social security numbered credit file other than mine, an entirely different credit file that had nothing to do with me. 
My credit file XXXX was completely fine with the exceptional of XXXX XXXX XXXX and XXXX being reported prior to XX/XX/XXXX. 

I faxed Experian 35 pages on XX/XX/XXXX to XXXX explaining the serious and urgent nature of this matter which included a bank statement for address proof, a copy of my social security card and a copy of my government issued passport, along with the credit report and all its inaccuracies, which was successfully transmitted. 
I also overnited the same documents to Experian Consumer Affairs XXXX XXXX XXXX XXXX TX XXXX tracking number XXXX XXXX XXXX Again Experian has caused and is continually causing me some irreversible damage, because of someone's poor performance.

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