vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship is reporting to XXXX XXXX, XXXX  and XXXX, I XXXX days late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. While logged into my XXXX account it clearly shows no late payment for any on the month except XXXX and I have submitted to them the canceled check they cashed from my bank. I also have XX/XX/XXXX and XX/XX/XXXX payments to support all my payments to XXXX but yet they still refuse to remove the in correct information from my credit report. I will be happy yo email my proof of payments to you to support my dispute at request.

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 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
XX/XX/2018 a debt collector Online Information Services reported to the credit bureaus that I am in debt to them for {$84.00}. I have never received services from this company nor do I owe the debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2017 I applied for an american express delta credit card. They offered XXXX mile if spend XXXX in 2 months and an additional XXXX miles if spend additional XXXX in 6 months. I was accepted for the card and spent {$3000.00} within 3-4 months but never got the miles. I called them a few times and the said they would look into it but nothing done and no explanation. One time I was told maybe I had an account before so I wouldn't get.

Not sure if had account before and offer doesn't exclude if had account before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
on XX/XX/2018 i disputed a medical bill form XXXX XXXX XXXX on XXXX  and XXXX  credit reporting agency because i don't recall owing that debt. The medical bill was removed from XXXX  but not from XXXX  amount {$110.00}, i have tried unsuccessfully to dispute it again through XXXX  online dispute numerous time, but their system doesn't seem to work consistently because i am constantly getting error messages ( please see attached below ). a few weeks later I received a letter from XXXX XXXX XXXX date XX/XX/2018. I don't think i owe this balance and its adversely affecting ability to conduct any business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: CA

Complaint narrative:
I was in a relationship with a man who obtained my Bank of American credit card information. He attempted to purchase bit coin with my credit card. He then made two transfers to my credit card account. The first transfer paid off my credit card entirely. The second transfer to my credit card account was for approximately {$21000.00}. The man I was in the relationship asked me to transfer this amount of money from my credit card account to my checking account and wire the money to his relatives. Since the money was not mine I did as he asked. 

Bank of America contacted me and advised that they felt that what was going on was a potential scam. Bank of America put a hold on the credit card and advised that nothing would happen with the credit card, that no one would be able to move money from the credit card account at all. 

Two weeks later, the man who transferred a total of {$42000.00} to my credit card account was able to withdraw {$42000.00} from the credit card account. The man had an account with XXXX XXXX. Bank of America allowed this to happen all though they told me that there was a hold on the credit card account. 

Bank of America advised that I am now responsible for the entire amount of the scam. I have none of this money. I did as this man asked and sent the money to his family. I have provided Bank of America with all receipts from the wire transfers. I have provided Bank of American with the name and telephone number of the man I was talking to. I provided Bank of America with a police report for fraud. 

I have asked Bank of America to file a claim for fraud but they refuse and hold me responsible.

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 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I recently submitted a complaint number XXXX and medical data system did not validate the debt it clearly stated in the complaint '' I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification '' and they sent a bill which is not debt validation and they did not provide a contract i have with their company. ( letter they provided from the above complaint ). The letter do not have medical data system listed any where which mean i am not in contract with them. It is laws in place to protect the consumer against fraudulent companies like medical data systems and I filed a ucc11 and I have no liens placed against my name from them. They is unlawful trying to collect from me. They also stated they sent letter and I had 30 days to respond if that is so then provide the tracking number for the letter sent to me. I do not owe this company and I hope the CFPB and they FTC fine them for not providing validation.They stated they do not own the account and they do not own the debt well they are committing fraud because they should not hold my name. ssn. address in thier database and they are a lie because it clearly says they attempted to collect a debt and you can not say that if the debt don't belong to you. What did medical data loan me of value? nothing, and they need to delete this inaccurate information off my credit report

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 2018-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: DC

Complaint narrative:
On XX/XX/2018 I applied for a {$500.00} loan and I received the money the next day XX/XX/2018. I didn't receive any paper work about the loan or repayment schedule. On XX/XX/2018 I went on line to get some information and it showed my payment of {$140.00} is due on XX/XX/2018., for l8 months. I would have to {$2600.00} on a {$500.00} loan. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InterLinc Mortgage Services, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX and I have been working on purchasing a home with Interlink Mortgage. I agreed to have my credit pulled XX/XX/XXXX and one more time XX/XX/XXXX. I was highly upset when I say they have been pulling my credit monthly since the process. I was never told or asked about obtaining a new credit report every month and now due to the number of inquires it's having a huge impact on my scores. I am XXXX and they had no right or authorization to request my credit every single month without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
We have been attempting to get our credit reporting updated to Paid Satisfactorily to XXXX, XXXX   and XXXX.

We are requesting acknowledgment of the payments made and the fact that we were on a forbearance period and paying back. When we accepted the forbearance for hurricane Harvey, we were told no negative reporting would occur. Texas was declared a federal natural disaster area so it made sense to us. Starting XX/XX/2017 we made good faith payments totaling at least {$9300.00}.

We did not request modifications or anything other than XXXX  to accept the payments we were making. We did not sign any documents and did not receive anything in writing. We were told over the phone the payments were applied as necessary and that the rest of the money was building up in a suspense account until we were caught up. We called in and made payments over the phone.

In summary, we paid a lump sum and continued to make large payments to keep the account current. To our knowledge, we were doing everything we were supposed to. The home was sold and the loan paid off in full. This negative reporting is causing extreme distress as we are not able to obtain a new mortgage as a result of this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018, I deposited {$14000.00} into a Citi checking account and {$100.00} into a savings account as part of a promotional offer to earn a bonus of {$400.00} for maintaining a combined balance of {$15000.00} for 60 days. I maintained this balance until XX/XX/2018, and exceeded the 60 day requirement. However, on XX/XX/2018, XXXX incorrectly charged me a $ XXXX  monthly maintenance fee for an insufficient balance. This fee was reversed on XX/XX/2018. Citi claims that I did not earn the bonus because this erroneous {$25.00} fee dropped by balance below {$15000.00} before the 60 day requirement.

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 monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
About 3 weeks ago, my checking account was hacked 2x through XXXX for {$2000.00} each to the same XXXX XXXX account. One went through one was caught. I went in and closed my accounts, opened new ones, changed my user name, new hard PW, and quite XXXX, deleted it, etc. On XX/XX/18, XXXX again got into the new acct for {$2000.00} for XXXX XXXX ( I do not know such a person nor did I authorize it ) and when I called fraud unit back to verify it ( thats when they told me who - I asked if XXXX XXXX XXXX XXXX XXXX said yes ) then XXXX said they had to hold my accounts - I said what does that mean? He froze them from me - a fair amount of money was frozen from me - as well as credit cards, access to all my accounts was blocked. I could not pay me bills, buy medicine, or food or anything. We have been fighting since and I have been told the hold is for my own good. I asked where is your court order to HOLD MY Money - and how is my not eating or getting my meds my own good? No access at all. They have in affect stolen my money = and they deny me access to cc so how can I pay them - auto payments are denied and I can not view them nor pay them and are they of course are charging fees for this - their punishment to me for their allowing my account to be hacked. What gives Chase the right to keep my money when it is mine and I need it?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Louisiana Bureau of Credit Control Inc.
State: GA

Complaint narrative:
I was a rental at property XXXX XXXX XXXX XXXX XXXX LA. I was renting from XXXX XXXX XXXX, I became unemployed, and was struggling to pay rent. I contacted XXXX XXXX, which was my contact person with this company. 
I explained that I lost my job, and was unable to pay the rent. Instead of my living in the property until I was evicted, would they be willing to allow me out of the lease. She stated that she would contact the owner. 
She contacted me back stating if I forfeit my deposit and allow agents to show the property, while I was there for my last month which was XX/XX/XXXX, that the would let me out of the lease. I allowed agents to show the property, plus forfeit my deposit and left the house in immaculate condition. 
3 mos, a company listed as LBCC Louisiana Bureau of Credit appear on my credit report, XXXX  and XXXX stating I owe XXXX. I contacted XXXX, and explained the agreement, and was informed to contact XXXX XXXX XXXX, I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and spoke with XXXX, which stated that she would have XXXX, to call me as of today XX/XX/XXXX. I have not heard from anyone. I do not owe this company, I kept our agreement, and now they are trying to get money I do not owe. They also, stated that the house was in immaculate condition. I am not sure as to why this is being reported when our agreement was kept on my behalf. I am not even sure were they came up with the figure of XXXX, since I only had one month left of the lease and the rent was XXXX. No damage to the house.

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 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Error in legal description recorded on Deed of Trust .Been more then 6 month and Ditech Loan mortgage has done nothing to correct this matter, every time i call they say there working on it but with no results.I have sent all documents to them Ditech .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: NY

Complaint narrative:
XXXX Bank XXXX # XXXX XXXX XXXX XXXX I had tried Numurious time to resolved these late payments, but i failed they are reporting 30 days late payment on XX/XX/2016 which was never late.this effecting my life i am in contract for buying a house can't get a mortgage because of this incorrect late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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 — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have captial one credit card Since XX/XX/2018 And its not reported on all three reporting companies please update

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: CA

Complaint narrative:
I disputed a charge on my Netspend card, and instead of simply investigating the line item, the representative said he had cancelled the card and was mailing me out a new card within three days. I was on travel at the time and this action left me stranded overnight outside. 

Two weeks later, I went to my XXXX XXXX to retrieve the card, and I discovered that it had never been sent by Netspend. I called to inquire, and the new representative told me she would send out another card in three days. I asked to speak to a manager, hoping that a manager could order a same day or 24 hour delivery. ( Additionally, I asked if the money could be XXXX XXXX, wired into my bank account, or put onto another Netspend card I had purchased in the interim ; they refused all of these options. ) The manager I eventually spoke with cancelled the order of the second representative, telling me she was going to get the card to me faster, within two days. Instead, she failed to ship out a card. It is now two days later, weeks past the original error, and this company has kept me on hold for over an hour each time I call, causing my cell phone battery to die. Regardless, they have my phone number, my email address, and all the information they need to ship me out a new card, expedited. Additionally, Netspend has been charging {$1.00} for every transaction on the account, adding up to hundreds of fees. I would like those fees refunded in total due to this inconvenience. I had a lien put on my storage, I had to give up my car ... I have bills to pay and need access to my money!!!!

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 2018-10-18 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: SLM CORPORATION
State: CA

Complaint narrative:
In XXXX, I found out that I was a " Cosigner '' on my daughter 's student loan when it was in default. 
I asked many times for the original loan documentation, as I did not sign anything for her loans. They reply with information on Identity theft, and referred me to the fraud department. 
As I have not seen anything, at all, of the original loan documents I have no way to determine anything. Meanwhile, I was receiving over seven calls a day ( documented ) telling me I was in default. I would call back each time and ask they stop calling me, and informed them I had paid the past due amount. They called for approximately 9 days after I had paid. 
I also took a huge hit on my credit, and still had no knowledge or information on this loan. I paid the past due amounts to save my credit, and am making payments I can not afford, and still after two written letters have had no response from XXXX XXXX regarding the documents I may ( or may not have signed ). I was told the only address was to the fraud department. They replied with instructions on how to file a police report on my daughter. But nothing on the loan, no supporting documentation on the loan, and nothing I had signed ... 
She does have student loans, and all are cosigned by her father, who has an income. I was, at the time, a housewife, barely making minimum wage. I am now employed, but the loan 's payment is almost half my salary. I have no knowledge of this loan, no answers from XXXX XXXX, and am paying just to keep my good credit - which has been hurt by late payments on a loan I have no knowledge of, nor have seen any papers showing I co signed anything? 
How can I be basically blackmailed to make payments on something they refuse to prove I signed? 
I have also asked for some sort of repayment plan or reduction in payments - and am told the only thing I can do is pay {$150.00} for a month deferment, while interest is compounding and nothing is accomplished. Additionally, the interest rate is 11.6 % and keeps going up. The loan was reported to be for {$30000.00}. They now claim I owe {$53000.00}. I'm XXXX years old. I could never pay this in my lifetime ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXX XXXX college back in XX/XX/XXXX-XX/XX/XXXX. I had a student loan with sale mea that was sold to, two different companies. one XXXX and the other Navient. I never had my GED when I attended XXXX XXXX   college and was not able to benefit from degree- I submitted paperwork to both loans ( ability to benefit ) will all required documentation I was told. I submitted application/GED/GED scores/final grads transcripts from XXXX XXXX college. XXXX accepted these quickly and approved the application and is now pending with department of education FASA. Navient on the other had, is the one who told me to attach these documents and now is trying everything in their power to decline my application. first the said I had to correct last name, so I did, then they told me to resubmit application because I did not have a references on it, so I did. Now they stated I need to submit an agreement from school. The college I went to is no longer, has be cut off by government funds so they filed bankruptcy and shut their doors due to corrupt actions. I can not get this paperwork, on the gov department website it stated to show proof of GED and Transcripts and application which I did. when I call them they will not put me on the phone with the correct people, when I ask for supervisor they hang up. I told them I would put in a complaint due to them not wanting to process my paperwork and they hung up on me. I don't know what to do if I loan approved and this loan will not- it is all from the same school. I can not get anyone from that loan to answer my questions, they refuse to process application and eat time I submit what they ask they come back with another and another, information school would have that no longer exists. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tavelli Co., Inc. dba Tavco Credit Services
State: OR

Complaint narrative:
TAVCO CREDIT SERVICES - sent account to collections with no attempt to contact us regarding payment. They claim that legally they were not able to call or sent letters to us because we live in Oregon and the emergency room imaging was done in California ( on XX/XX/XXXX ). Never knew about account until a credit check was ran, and found that this was in collections. Has lowered credit score by 200 point! Immediately called the company and paid the amount due of {$510.00}, paid in full on XX/XX/XXXX. Would like this completely removed from our credit history due to lack of communication from Tavco.

Company response to consumer: Closed with explanation