vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: GA

Complaint narrative:
I just found out that my home insurance cancelled for non payment back in XXXX and I had been uninsured for over 70 days. I have since reinstated insurance but it was through a new vendor as I had lapsed over 30 days. My payment is now more expensive and I will have a mark against me for a lapse for at least 3 years. I was never alerted of this issue, nor did guild mortgage take the necessary steps to resolve. Instead I received a letter stating I had no insurance and they would purchase some at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I have a multiple balances on my Citi credit card at variable rates. My payment has been applied in a way to only pay down my lowest interest charge as opposed to the highest interest charge. I believe this to be in direct violation of the Card Act.

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 2019-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The first problem was the care was given to ex wife during a divorce. According to GA law the contract which was Capital One position is the divorce decreed does not relieve me of the financial responsibility. 

My ex wife fell behind in the payment and they pushed the extra fees and to the end of the. The loan was for 7 years. The care three years later was involved in the auto accident which total the care. We had full coverage through XXXX and Gap insurance. 

Ex wife called the insurance and capital one. XXXX, Capital one, and Gap insurance took so long to settle the loan we had extra fees and cot from Capital knowing the car was total and there were the moving party to get the information to the insurance and gap insurance. Capital one got the full amount from the XXXX, which was not enough to cover the loss. The gap insurance failed to pay off the rest of the car which it was supped to do. 

Capital one refused to negotiate and they wanted the full amount of the total loan. I said it was a simple interest loan the car was paid off way before loan car loan was due. The argument is, I should not owe for the unpaid balance on the care loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I never applied for this company, i don't recognize this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have four closed accounts on my credit report that the creditor will NOT remove.

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 2019-08-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I tried to get my annual Experian credit score using XXXX and received the message that " A condition exists that prevents Experian from providing you free annual credit report at this time. ''

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 2019-08-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have four closed accounts on my credit report that the creditor will NOT remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: LA

Complaint narrative:
I have four closed accounts on my credit report that the creditor will NOT remove.

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 2019-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
1. As of XX/XX/2018 my Federal Loans disappeared from my acct. I double checked with navient and they couldnt find them. I had no way to pay them. I checked on student loans.gov to check if my loans were still active and with Navient. 
2. I then was blocked off the website. Now both private loans and Fed Loans are not visible online. I opt you for paper statements. I have no way of viewing my loans or paying them online. 
3. I have been calling them for over 3 months regarding website issues and they have done nothing. I have been harassed for payments but they do nothing to allow me to view my loans to pay them. I been told they have a note in my acct regarding my issues. But no one has helped me in 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield Associates call constantly for XXXX XXXX and I have worked out a payment plan with XXXX directly I have been making monthly payments accordingly Don't understand why they can continue to harass me Calls are coming in as early as XXXX and as late as XXXX Explained I am on a fixed income ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2019 I transferred all funds ( less {$50.00} ) from my checking account ( xxxxXX/XX/XXXX ) to my savings account ( xxxxXX/XX/XXXX ) at the TCF Bank # XXXX, Branch XXXX located at XXXX XXXX XXXX XXXX., XXXX, AZ XXXX. 
On XX/XX/2019 I submitted a Recurring Debit Card Stop Payment Request Back Up Form. I was informed by the teller that my account would be charged {$37.00} for this request. Also, on XX/XX/XXXX XXXX  XXXX Payment submitted an ACH debit request for {$340.00}. 
On XX/XX/XXXX my savings account was debited {$350.00} which included a {$10.00} Overdraft Protection fee. My checking account was also debited for the {$37.00} Non-Sufficient Funds fee. I went to the bank to challenge this mistake and to clarify that I did not have Overdraft Protection and for my funds to be returned to the savings account. The teller presented my Stop Payment receipt to the branch manager who advised that she would resolve the matter and notify me accordingly. Before leaving the bank, I transferred {$100.00} to my checking account from my savings account. 
Later on XX/XX/XXXX I received an email thanking me for enrolling in TCF Banks Overdraft Protection Savings Transfer Service. 
On XX/XX/XXXX I received an email notifying me that the Overdraft Protection Service has been cancelled. 
On XX/XX/XXXX I sent an email to XXXX stating that I did not order Overdraft Protection, that my wife was given the runaround when she contacted customer service through the toll number, and that my funds should be returned to my savings account by XX/XX/2019. 
On XX/XX/XXXX I received Confirmation of Stop Payment Request by email. Also, on XX/XX/XXXX I went into the branch and spoke with the manager who advised me that I could not have my funds that were impermissibly removedreturned because the debit was a legitimate transaction. This made no sense to me and I politely left the bank. 
On XX/XX/XXXX I received and email notifying me that the {$37.00} Non-Sufficient Funds fee was reversed. Later on XX/XX/XXXX, my wife who generally handles the bankingwent to the bank and spoke with the assistant manger and still was not able to resolve the matter of the bank owning up to its mistakes and refunding our money. The assistant manager sent an email to the branch manager that we wanted the matter escalated beyond the branch. To date, we have not heard from TCF and our savings account has not been credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX improperly froze my bank account, I haven't had access to any funds since XX/XX/XXXX. Not a soul from XXXX XXXX XXXX reviewed the account prior to freezing the funds. My account includes exempt funds however XXXX XXXX XXXX and Selip and Stylianou LLP refuse to release the funds. I've provided both the bank 's legal team and debt collection agency with exempt claim form documentation to show the funds are exempt. XXXX XXXX XXXX keeps telling me they are not responsible for releasing the funds even the exempt funds. XXXX  XXXX XXXX refers me to Selip and Stylianou to release my funds. I've explained the laws to both parties and they refuse to comply. In addition to not releasing the funds, XXXX  XXXX XXXX charged me a processing for the payment they gave Selip and Stylianou. They have left me in a position of financial hardship with my daughter unable to provide basic needs. I now have late fees for my rent, no childcare, and food.

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 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
Saw on credit score. I was not aware of the debt. Was supposed to be resolved by XXXX XXXX. Keep getting threats from collectors they will take my car and house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: AR

Complaint narrative:
The debt was paid to XXXX XXXX XXXX and should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX  credit card company keeps placing old and duplicate information on my credit reports

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 2019-08-11 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: NC

Complaint narrative:
XXXX  credit card company keeps placing old and duplicate information on my credit reports

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 2019-08-11 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:
XXXX credit card company keeps placing old and duplicate information on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am under XXXX XXXX XXXX for almost 2 years now. The 2 accounts from Capitol one were negotiated by the above company and settlement amounts were agreeded upon. XXXX XXXX XXXX pays them each month. The bills will be payed off in XX/XX/2019. The amount you show owed is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Waypoint Resource Group, LLC
State: UT

Complaint narrative:
WayPoint Resource Group put a collection on my credit report on XX/XX/XXXX for {$120.00} due to XXXX. I never received internet services from XXXX as I was outside of there grid and cancelled the account within 5 days on XX/XX/XXXX. I have a letter from XXXX admitting fault that they should have never submitted my account to WayPoint Resource Group collection agency. XXXX and XXXX   have deleted the collection off of my credit report. However, I have disputed with XXXX 3 times and it won't get deleted. WayPoint keeps telling me they have notify all 3 credit bureaus on XX/XX/XXXX. XXXX  keeps telling me Waypoint tells them the account belongs to me. The 2nd dispute with XXXX  they updated the balance to XXXX showing paid on XX/XX/XXXX. I never paid anything off. XXXX or Waypoint is not helping me out. It shouldn't be this complicated to remove this off of my report since it was an ERROR. I am trying to apply for a loan this is making it difficult for me financially due to my FICO score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Thomas Agency, Inc.
State: NH

Complaint narrative:
This complaint is regarding the Thomas Agency in XXXX, Maine. I was in a auto accident in XXXX 2017 when I lived in Maine. Three medical bills from this accident went to collections, two of which are with the Thomas Agency. I disputed all three because they should have never gone to collections as my personal injury attorney 's office should have sent out letters of protections directly to the initial creditors to stop these unpaid bills from going into collections due to an intent to sue the people found at fault for this accident. One, the largest bill for almost {$6000.00} was removed from collections. However, Thomas Agency has been very evasive, and at times has refused to respond to both my attorney 's office and myself by phone and in writing. Three weeks ago up to most recently, I offered by email to pay both items ( totaling less than {$2000.00} ) they report to the credit bureaus as in collections in exchange for them immediately removing both collections from all three credit bureaus and any and all other places they have reported such to. I would like to have these collections removed from my credit as soon as possible and have the agency accept the letter of protection from my attorney 's office, but this agency refuses to put anything in writing and has also refused to accept my offer of paying off these two debts in exchange for removing the collections. 

This agency has called to collect the debt after XXXX XXXX during the week and on Saturdays on 4 occasions, that I can remember. 

Lastly, I can provide copies of the two debts this agency has sent to collections. They are with my attorney 's office, but I will get copies. I hope I could receive some help in urging this company to communicate in writing and ultimately to resolve this issue in exchange for removing these items from collections expeditiously. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX put a collection on my credit report on XX/XX/XXXX for {$120.00} due to XXXX. I never received internet services from XXXX as I was outside of there grid and cancelled the account within 5 days on XX/XX/XXXX. I have a letter from XXXX admitting fault that they should have never submitted my account to XXXX XXXX XXXX collection agency. XXXX  and XXXX have deleted the collection off of my credit report. However, I have disputed with Equifax 3 times and it won't get deleted. XXXX keeps telling me they have notify all 3 credit bureaus on XX/XX/XXXX. Equifax keeps telling me XXXX tells them the account belongs to me. The 2nd dispute with Equifax they updated the balance to XXXX  showing paid on XX/XX/XXXX. I never paid anything off. Equifax or XXXX is not helping me out. It shouldn't be this complicated to remove this off of my report since it was an ERROR. I am trying to apply for a loan this is making it difficult for me financially due to my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
My father purchased {$50.00}. gift card, MasterCard, from his local store and gave it to me for my son 's XXXX gift. The online site for " registering '' the new card was down during entire winter break, and thereafter, said the card 's number did not exist. Called customer support, and they can't pull up ANY history for the card ; they state the card number isn't in their database. This is a new card, never lost or stollen. This is theft by MasterCard gist card services.

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 2019-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Bank : Chase Product : Chase sapphire credit card, chase travel. 

Summary : I tried to book a flight through the card 's rewards system. Due to a mistake the agent made, the ticket was not issued causing me to miss a critical personal event. However, they still charged me {$250.00} for booking the flight. They ruined my trip, and charged me {$250.00} for the privilege of doing it. After 6+ hours of calls, they have still not been able to put me in touch with someone who can settle the issue for me. 

1. I booked a flight using credit card points, from XXXX-XXXX ( itinerary # XXXX ). This was to attend a dear friend 's wedding. 
2. I realized I had booked the wrong dates, so I canceled the flight. The agent refunded the flight as a travel voucher, and sent an email giving directions on how to rebook the flight in future to claim the credits. I called Chase travel as per directions in the email to rebook the flight. I called on XX/XX/XXXX - the agent on the call said they rebooked my travel - departing XX/XX/XXXX night, and returning XX/XX/XXXX. They charged {$250.00} on my Chase credit card for rebooking fees. 
4. However, I did not receive any email with updated travel details - nor did I see any charge of {$250.00} on my card - as of XX/XX/XXXX morning. I called Chase travel on XX/XX/XXXX morning to inquire, and they told me they couldn't see any booking for XX/XX/XXXX. They apologized that they messed up my trip. 
5. On XXXX, I noticed a {$250.00} charge on my card. I don't know what they charged me this money for, because on XX/XX/XXXX they told me they couldn't find any booking on my name. 

So they ruined my trip, and charged me {$250.00} for it. And they are now giving me the run around and refusing to put me in contact with a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
I have had this on my debt collection it shows for awhile but I have never received bills or been called about it which leads me to believe that its a false debt that I actually don't owe. I would like this to be removed as I feel I was wrongly charged with 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 2019-08-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Direct Dispute In partnership with Past Dispute XX/XX/XXXX Completed XXXX   XXXX Reported on XX/XX/XXXX {$8700.00} 175 % of Credit Limit* Item Results Result : Deleted - XXXX  has deleted the account or record from your XXXX credit report. 
Dispute Reason Accuracy : This account is involved in litigation. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please refer to XXXX   file # XXXX

Company response to consumer: Closed with explanation