vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Hello, Commonwealth Financial Systems sent me a letter XX/XX/2019 trying to bill me for {$820.00} for a hospital visit. The alleged original creditor is " XXXX XXXX ''. The current creditor is apparently XXXX XXXX XXXX. 

I have proof of my last payment to the hospital. I called the hospital and I no longer owe them any money ( they said I am clear ). 

If you look here ( XXXX XXXX XXXX   ) the company is known for running this type of scam. 

Please let me know if you need any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: GA

Complaint narrative:
Experian is reporting a collection that does not belong to me. I have contacted Experian now 4 times about the fraudulent collection account and still have not heard back from anyone. I have provided Experian a copy of my recent police report and told them that the collection is not mine. I have also contacted XXXX XXXX the collection agency reporting the fraudulent information and neither of them have responded. I have provided both company information about the fraudulent item, as well as a police report and neither company has taken any action to block the fraudulent account from my credit file. 


The following collection is Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and I want it removed from my credit file, this is as a result of identity theft.

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 2019-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Ace Cash Express was asking for my online banking information to get direct access to my online banking this is my complaint ( XXXX ) -XXXX this is their direct phone number they say they are in Florida but this phone number is a XXXX XXXX line

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My transfer was from XXXX XXXX CEO of US Bank he confirmed to me he had the money and asked for my account. I gave it but the money didn't arrive. My money us federal ok given to us bank by XXXX and XXXX XXXX. No scam I called us bank Minnesota to XXXX and XXXX and was shot at. They treated me unfair. I have a question as the customer where is my wire. I was shot at again. I need to talk to the ceo it's not a wire to my account from a friend or XXXX XXXX it's only from federal to us bank for me. The date okd from us bank was XX/XX/2014 the amount is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ascendium Education Group
State: TX

Complaint narrative:
I am a member of the armed forces that received XXXX XXXX order to a combat zone. XXXX was notified in writing and via phone along with my other two student loan companies of my XXXX and I requested a forbearance until my deferment became active due to financial difficulty ( exact dates and times can be released upon request along with all documentation ). The exact month that I left for combat I have a letter from XXXX stating I was eligible for the SCRA and additional benefits if I were in a war zone, which I was, as long as I sent my orders to them which I did. That same month XXXX sold my loan to ascendium education. Ascendium education has these loans in a defaulted status currently and did so at that time within two months of my XXXX. I was able to do research when I got back and I contacted them with no solution. I am in good standing with my other two student loans and have been who did place my loans on hold. I have researched and found out that part of one of the loans in good standing is owned by ascendium too. How can ascendium state that they didn't know anything? You can look in the national data base and see all of my loans and all of my information. You can also look into the military side of things. This is not hard. So they dropped the ball somewhere but want me, the service member to pay the outrageous interest rate prices that have accrued because they messed up. They violated the Servicemembers Civil Relief Act ( SCRA ) and did not defer some of my loans. They would not listen to me when I tried to explain even though it is in black and white when you look at my account in the department of education national data base. The collections department is constantly calling from different numbers. They call my cell phone, my work and then they are hanging up, threatening, threatening to garnish my wages. I believe this is not only harassment, a violation of ones rights and fraud, it is also a federal crime to a service members right to be protected from such actions. I have written proof. I have proof they were notified. I have proof that they own both of my student loans one in which was placed in deferment appropriately and is still in good standing. They have dropped the ball. All I have wanted was them to take all that outstanding interest off, consolidate and fix those loans, take off all those fraudulent reports on my credit so I can try to begin a more normal life again. They need to be held accountable for abusing the authority they have over individuals money and their credit. Thank you for your support in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have a checking account from Bank of America and this account was opened XX/XX/XXXX in XXXX XXXX TN. 
During account opening they requested {$100.00} for just account opening. 

I have a new checking account form XXXX XXXX and but they did not take any money for creating account, why Bank Of America took this money form me?

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 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I applied for a citi AA credit card around XXXX and it was recommended by my friend. Before I applied for it, I called Citi that since the promotion ( XXXX ) is different from what my friend received and I was wondering if I would get the same promotion ( XXXX ). The customer representative told me that they suggest me apply for it first and they would match it up to XXXX. After my application was approved, I tried to match up as what I was told via customer service several times but failed. They told me that the promotion was already finished. However, in the meantime, my another friend which applied for the same card around same time matched up to XXXX successfully. My complain was if citi can not realize the promise of matching up the promotion, then they should not mislead and seduce customer to apply for their credit card since there are so many credit cards on the market. And even if they can not make their promise come true, then they should treat equally to all the customers, rather than giving some customers matching up successfully.

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 2019-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MN

Complaint narrative:
Four months ago I took out a payday loan for {$500.00} from Amplify XXXX. I have paid {$170.00} every month until I asked a loan officer and was told I was paying 400 % interest on the loan. I was not told this when I was approved over the phone after applying online. I have contacted the Minnesota Attorney Generals Office and the Minnesota Department of Commerce who besides their investigation, recommended that I contact you as well. I want my loan dismissed and my money I made payments be returned. The are apparanty owned by a XXXX XXXX XXXX XXXX..they are NOT licensed to give loans in the state of Minnesota. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX . XXXX XXXX Minnesota XXXX I received no loan documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have contacted Wells Fargo Student loan department to provide me with statement that shows 1- The total amount I borrowed 2- The First month I started Paying for the loan 3- The total I paid before my Student loan was sold to XXXX XXXX Services 4- The Total Amounts remaining that they sold to XXXX and they declined to provide me with the requested information. I even requested to talk to a supervisor who may know better  to assist me and I was told I was talking to the executive office and  therefore there is no one else that can help me or provide me with what I am requesting. They even denied me to offer my grievance/complaint rights as to who I can contact to file complaint against them. I had to XXXX to find Consumer Finance phone number and website. 

The Reason I am requesting this information- I believe my student loan should have been paid off by now because I graduated in XX/XX/2009  and I started paying the minimum 6 months later. It has been 10 years since I have been paying the minimum due. Plus, I only borrowed {$10000.00} from Wells Fargo and the document they sent me shows I borrowed close to {$15000.00} which is not correct. I have already contacted the college I went to and they confirmed the loan amount to be less than {$10000.00}. So, there is something they are hiding. They probably sold the wrong amount to the second company they sold to ( XXXX ) and that is why there is still a balance on my student loan account. Wells Fargo sold the loan to XXXX XXXX services and they in turn sold to XXXX. So, something went wrong along the lines of selling the loan balance which I am trying to get to the bottom. They sent me a document via email showing I only took a total of 4 loans and they mailed me a document showing 7 loans. So, those two alone contradict because they said they mailed me the same document they emailed me which is not correct. The documents they mailed me show the loan I took adds up to be close {$15000.00}. Please help me. Thank you

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 2019-05-10 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: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Upon starting the audit of my personal credit reports, I found multiple inaccuracies from XXXX  XXXX and XXXX XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by Portfolio Recovery Associates for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MN

Complaint narrative:
Upon starting the audit of my personal credit reports, I found multiple inaccuracies from XXXX  XXXX and XXXX XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by XXXX XXXX XXXX for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
XXXX  is reporting a collection that does not belong to me. I have contacted XXXX now 4 times about the fraudulent collection account and still have not heard back from anyone. I have provided XXXX a copy of my recent police report and told them that the collection is not mine. I have also contacted Fidelity Information the collection agency reporting the fraudulent information and neither of them have responded. I have provided both company information about the fraudulent item, as well as a police report and neither company has taken any action to block the fraudulent account from my credit file. 


The following collection is Fraudulent FIDELITY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and I want it removed from my credit file, this is as a result of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion I requested my hard copy.It looks the same as the one I can check online through XXXX no score only personal information, general inquiries, on the back of the one page report it says I am to purchase my score their services are {$30.00} approximately a month.According to XXXX and past hard copy my score has not changed in over a year.I have exhausted calling, filing complaints, filed recently with the XXXX XXXX XXXX.I have been denied repeatedly and not given any information as to why my score has not changed.I recently opened an account that reports to the credit agencies.It shows up the account is reporting.my XXXX score has went up alot in the last 6 months.Transunion no change.i was a victim of the XXXX XXXX hack over 3 years ago and it froze my credit.every since then I have been repairing that damage.I have been hung up on, denied any information and told they do have to supply me that information unless I pay for it.

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 2019-05-10 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Reported to credit bureaus of late payments that are incorrect. We made payment arrangements with them and they reported lates. Impacted credit score dropped it 35 points and we are trying so hard to get our points up!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
Around XX/XX/2019, I applied for a loan and was approved for XXXX. I then called, as the email that I received advised me to do, to speak with a representative to ask questions about the loan. He reassured me that I could pay the loan off early or making a large payment before the first initial payment is due would help with the minimum payment amount going forward. I accepted the loan. I then gave XXXX another call ( another name they are known as is XXXX XXXX ) on XX/XX/2019 due to the payment being due on the XXXX to see how much I would have to have paid on the due date ( XXXX ) and to discuss options with paying them back. I set up a XXXX dollar payment to come out on the due date. the rep advised me by the end of the call that it would be beneficial to pay the loan off by the due date. I said ok, let me see what I can do. I advised the rep to leave the payment set up on the account. I then called back on the XXXX to make the payment in full ( the remaining balance which is due on the XXXX!! ) and was told by the representative to wait until tomorrow ( which would be the XXXX ) to make the remaining payment. I call on the XXXX and they are now telling me that I have to make a payment in the amount of XXXX dollars!!! I explained to them what was due on the due date and they tried to explain to me that the payment that was made was a payment towards the principal. I escalated the problem to a supervisor! She called me the next day and tried to explain to me that they could offer me a deal to pay the balance in full with a payment of XXXX dollars!!!! This is terrible. I wanted to pay my loan in FULL on the actual date when it was due and Im being charged an additional XXXX dollars to do so!!!! Had I been told that any payment made on the account would only count as a payment and not to help me pay my balance in full I would of simply waited!!! That makes no sense! Im disappointed that this is happening. I hope people choose not to work with this company at ALL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Since XX/XX/2016 I have been paying my student loans to NAVIENT. I have never been so upset and am genuinely concerned about the fact that my loan balance is getting astronomical and the amount of monthly payments is just not realistic. I have called and have asked NAVIENT repeatedly over the years for help and guidance only to learn that I have been misguided and given the run-around. In a phone call today I was told I was in mandatory forebearance for 1 year. I have come to find out that this is a blatant lie on their part and I should talk to someone else at NAVIENT. I have wasted several hours today ( of which I have taken a personal day from work to try and accomplish ) only to get nowhere at all. Can someone please help me or guide me as to what I can do.? My loan balance is well over $ 200k and this is causing me stress on a daily basis- I am concerned for my future regarding my credit and finances. I have always have had excellent credit and was told today I was declined for a XXXX Credi card Please help me ASAP Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
I continue to receive statements by postal mail or other papers by mail but thought from my calling to close my account recently by phone with a representative that they said my account would be closed per my request?!! 

simply put there bank did not fit my financial interests. I decided to bank locally.

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 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. I called XX/XX/2019 to address the issue and instead of them correcting information that removed my correct name and information. 

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. 

XX/XX/2019 I submitted via certified mail and online dispute about inaccurate personal information and they continue to send copy of full report with no corrections made as well.

Company response to consumer: Closed with non-monetary relief