vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 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: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I disputed a collection listed on my credit report to the original creditor, and received a letter from the original creditor which stated, my balance to be XXXX, since the hospital had failed to bill the insurance company in a timely manner. I was never responsible for this bill. I am attaching the letter sent to me from the original creditor. I also contacted the collection company XXXX, via email as well as by phone, nevertheless, this bogus collection has not been removed from my credit, but instead has been updated to be valid. 
I disputed this collection with XXXX, XXXX  within the last 30 days. I received an update from XXXX on XX/XX/2019. The dispute resultwasthis collection is valid per XXXX and is still on my credit report, and is delaying the process for my home mtg.loan to be approved. In fact the house I wanted to purchase has just now been sold to another person. 
XXXX  XXXX XXXX  ( XXXX  ) has not been removed this from my credit report. I am attaching the letter from the original creditor.

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 2019-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
On or about XX/XX/2019, my mortgage bank posted notice of trustee sale on my door. I have done everything up until this time, that was asked of me by the bank in a timely manner. I have in good faith worked with my bank to prevent losing my home and ensure prompt payments. However, the bank appears to not have worked with me in good faith and has dismissed and denied my request and my circumstances. I have informed my bank that I am a XXXX. The bank has ignored my communications and has not been transparent with the entirety of the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: PA

Complaint narrative:
I took out a {$500.00} loan from a lender online. To date, I have made payments of {$150.00} every two weeks. I have paid approximately {$750.00}, and the company says that all of my payments have gone to interest alone and that I still owe {$580.00} on a {$500.00} loan. They also have annotated in my account that my loan has been paid off every two weeks and that I have renewed my application for a new loan every two weeks as well. Each time, they charge me between $ 130- {$150.00} as a finance charge and says that I have a new loan in which the principal is {$10.00} less than the previous loan. My account actually has several loan numbers assigned ( XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ), but I only applied for one loan. It says my annual interest rate is 764.328 % and that I will pay finance charges upward of {$3700.00}. I called the company and told them that I believed they were breaking the law with the level of interest being charged, the restructuring of my loans as new applications, and in regard to the finance charges. I believe my payments have been incorrectly applied to the principal as well. The only information I was given was to check the website for the legal terms. I verbally withdrew my previous consent for automatic withdrawals from my checking account, which they said they would honor, but I have doubts. Right after I called and withdrew consent for withdrawals, my account status switched from " Active '' to " Collections '' but under the terms, my payment is not due untilXX/XX/2019, so that information is inaccurate. I can not be in collections without even missing a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: AZ

Complaint narrative:
I've secured hard alerts on my credit file but old accounts are still showing on ONLY Equifax. They are the source of my breach and I suspect internal reasons are the cause of my damaging credit still reporting. 

Law enforcement has been notified, my lawyer as well as other agencies already corrected this old issue. 

This will be handled to the fullest extent of the law I've provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: GA

Complaint narrative:
This account on my credit file are being reported wrong. I am challenging the reporting and compliance of this account. Section 609 of the fair credit reporting act state that all accounts must be 100 % accurate, 100 verifiable, and 100 % complete. This is not the case here. The way this is being reported on my credit report from the creditor/furnisher is a violation of my rights and hurts my credit. 

The account number is incomplete, date open incorrect on 3 different bureaus, the terms are stated incorrect ( shows 1 month ), High balance is missing, still reporting although it states charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has failed to provide honest & adequate services to its borrowers. It seems they are constantly dishonest about the structure of their company, and do nothing to help people that are making increasing efforts to make payments or proper arrangements ( that are not only in the best interest of the company, but for the millions of borrowers that are struggling to make their payments every month, without feeling vacuumed by student loan debt. 

I am constantly being told misinformation, and there is always lack of detail as far as your current loan and your options to make things more comfortable for the borrower. They have denied every request I've made for help : refinancing, releasing co-signer, making structural payments every month that would make an impact in decreasing the debt. 

I've been paying for nearly 5 years now, and my balance is still the same! I've made arrangements throughout the years, they feed you lies so you think your arrangement will serve you well, if you're consistent and make substantial payments, etc ... but it appears to me the money you pay literally goes into their pockets, your balance remains the same from when you started 5 years prior, and NO, you are not eligable for help as far as refinancing, or even trying to structure a payment plan that would be in the best interest of the borrower. 

I was told that they could not set up a plan that would benefit me long term. It was up to me to " overpay '' the balance, and therefore the remainder will go towards the principal. I asked for a financial advisor, or someone in accounts receivable that could possibly help me break down my loan that will serve my best interest, make an impact on the principal and possibly divide a percentage of both principal and interest that would actually start to decrease my balance ( which is stagnate for over 5 years, while paying nearly {$600.00} a month on a $ XXXX loan ) ... they told me they have no such department that would do that, they transferred me to " Customer Service XXXX who didn't care to find a solution, just repeating " facts '' like a robot, and telling me he didn't understand my questions. 

I'm disgusted by their company work ethic and lack of honest service. I can't believe that this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX the dates is this inquire is XX/XX/XXXX.

The next inquire is XXXX again XX/XX/XXXX.

The next inquire is XXXX on XX/XX/XXXX The next inquire is XXXX XX/XX/XXXX.

The next inquire is XXXX XX/XX/XXXX.

The next inquire is XXXX XXXX dated XX/XX/XXXX The next inquire is XXXX and that date is XX/XX/XXXX That next inquire is XXXX and the date is XX/XX/XXXX The next inquire is XXXX Ca ans the date is XX/XX/XXXX The next inquire is Capital one and that date is XX/XX/XXXX The next inquire is Capital Ome and the date is XX/XX/XXXX The next inquire os Capital one and the date is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I received a letter from in XXXX of 2019 alleging a balance owed to in the amount of {$910.00}. I subsequently responded by disputing ownership and requesting verification as well as validation of the debt. On XX/XX/2019, I receive a letter dated XX/XX/2019 enclosed with an alleged verification of the debt obtained from the alleged current creditor, XXXX XXXX XXXX. 

The Statement of Account provided, which I have attached for additional reference, provides NO information as to who the current creditor is, has no letterhead or company information, what their contact information is, what agreement I made to pay their offices, what services I allegedly received, when the original notice to pay was provided to me, etc. 

On XX/XX/2019, a collection account owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$910.00} was reported to the credit reporting agencies. 

At no time have I EVER received a bill or statement from any company named XXXX XXXX XXXX XXXX, nor have I received a bill statement or intent to collect any balances owed from XXXX XXXX, XXXX. Further, the response to my demand for verification and validation showed NO proof that XXXX XXXX XXXX XXXX XXXX owns the debt or that they have been assigned the debt by the original creditor. The letter shows NO verification that I owe the debt, nor does it include the valid documentation from original creditor. It is a violation to simply send a printout of the amount owed. 

Please remove the account from my credit reports immediately, provide original proof of notices provided to me from the original creditor, notices that the original creditor intended to send my alleged account to collection, notices from the current owner of the account providing me with the opportunity to dispute the alleged debt and all original contracts between the creditors and myself showing agreement to pay for any services rendered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I was called from a number XXXX by an XXXX XXXX claiming to be able to help me with loan forgiveness. I called back and was speaking with a different woman ( she said her direct line was XXXX ) and asked me questions to get into my FAS ID account. I wasn't able to catch it until later, but she reset my password while asking me questions to " verify '' my information. I am unsure now about what of my information is stolen or what they found out. I have since reset my password. They wanted 4 or 5 months of {$170.00} to be entered into the loan forgiveness program and I am not entirely sure this is legit or legal. I wanted someone to be aware of this if it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I Have Already Made A Prior Complaint With The ( CFPB ) Against Midland Credit Management, And Their Repeated And Harassing Phone Calls To Me. Attempting To Collect A Debt That Belongs To My Sister. I Have Told Them Repeatedly That My Sister Does Not Live Here. That They Should Not Call Me At My Home. And That Any Future Communication Attempts By Them With Me, Should Be Done In Writing. But They ( Midland Credit Management ) Have Refused To Follow My Instructions. Calling Me Again Today. XX/XX/2019 My Sister And I Are  Estranged. Not That This Is Midland Credit Management Business.  And I Do Not Appreciate Receiving Repeated Phone Calls From A Credit Collection Agency, To My Home, For A Bill That Does Not Pertain To Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: FL

Complaint narrative:
In XXXX, I called XXXX XXXX to request a refund of a fee they were charging me that I had previously requested NOT be put on my mortgage statement as I had been in contract to sell me house since XXXX and the closing was scheduled for XX/XX/2018. Unbeknownst to me, the representative I had spoken to reversed my entire XXXX mortgage payment instead of just crediting me the {$7.00} that was erroneously taken out of my checking account. Upon attending our closing, and our title closer speaking with the representative from XXXX XXXX and receiving the closing figures, we successfully concluded our closing thinking everything was fine. A month later I received a notice from XXXX XXXX advising we were in arrears in our mortgage payment. I immediately contacted XXXX XXXX explaining that we had closed that account on XX/XX/18. They advised that they indeed saw the money for the pay-off of the mortgage however it was being held in a suspense account pending further investigation. I told them to expeditiously examine the issue and get back to me asap. After not hearing from them for over a week, I called the servicing center and spoke to an agent that informed me I owed them {$2000.00} for XXXX mortgage payment. I said that was incorrect as I was enrolled in EFT which automatically pays my mortgage. I was then apprised with the fact that XXXX XXXX had reversed the entire mortgage payment for XXXX on XX/XX/XXXX instead of crediting me the {$7.00} I had requested. I told them at no time was I EVER made aware that the entire XXXX payment was being reversed as I would not have allowed that to happen. They told me they would " look into this ''. I also advised them that THEIR AGENT gave the figures at the closing on XX/XX/XXXX which indicated that XXXX XXXX knew the payment was reversed and should have included that in the closing numbers. I then went back and forth with XXXX XXXX for several weeks regarding this disaster speaking with agent after agent and vehemently demanded that no action be taken with any credit agency until AFTER a full investigation of the issue was resolved as this was surely the fault of XXXX XXXX. I was assured by a supervisor at XXXX XXXX that indeed no action would be taken. In XXXX, I was notified by the credit agencies that our credit score had dropped over 200 points due to late payments on our mortgage! I again contacted XXXX XXXX demanding they reverse this negative report only to be told they can not. I am sure you know that a negative report against a mortgage is a killer to your credit. I have not been contacted by XXXX XXXX and am pleading for help with this company that has the absolute worst reputation in the industry.

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 2019-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was trying to close my account and well Fargo keep charging me overdraft fees twice in the amount of XXXX dollars and I paid my negative balance twice and my balance is XXXX overdrawn and I explain to the banker I paid my negative balance in the amount of XXXX and she waved the XXXX dollar overdraft fee and told me I could transfer XXXX dollars that well Fargo giving me to my propel credit card which I did and the next day I was charged the fee again on XX/XX/2019 and well Fargo is unable to waved the full XXXX feee again and offer a XXXX percent credit which I turned down because I paid the original negative balance in the amount of XXXX and Ive been asking well Fargo several times to close my account and they refused to do so

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 2019-03-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent a dispute to XXXX, Experian as well as XXXX about my credit report. I saw a lot of unknown inquiries on my report. Some companies did hard pulls on my credit two or three times without my knowledge. I sent a letter to all three credit bureaus on XX/XX/2019. I still have yet to receive anything from either XXXX nor Experian. I did receive a letter back from XXXX and I will continue to dispute with them. 

My Concern is that it has been over 30 days and XXXX  and Experian has yet to reply. Within the FCRA they have 30 days to respond or else they will have to remove things from my credit report. This is hurting my credit worthiness so I need them to remove these items.

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 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
DIVERSIFIED CONSULTANTS a XXXX, Florida-based collection agency erroneously reported an unpaid debt of {$270.00} for a XXXX/XXXX cable bill to the major credit agencies. For many   months, XXXX/XXXX simply refused to send me a final bill to allow me to pay. They ( XXXX/XXXX  ) then reported the debt to DIVERSIFIED CONSULTANTS without notifying me which is illegal in the state of California. Once I finally got a final bill -- which took many months -- I immediately paid it in full. DIVERSIFIED CONSULTANTS never attempted to contact me about this, they simply reported it to the credit agencies and damaged my credit -- which was otherwise perfect. I have now been rejected for a home mortgage based on this fraudulent claim. I have contacted XXXX/XXXX cable dozens of times in-person, by phone, and by email to demand that they contact their collection agency and rectify this ; but, so far, this has not resulted in the removal of the false claim from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello On XX/XX/2018 I made a purchase with my Citibank XXXX XXXX XXXX credit card to purchase a item online or the amount of XXXX Days later I received the package and it was a chewed up piece of gum in the package Have tried several times several ways to contact the seller but all attempts have been ignored by the seller Contact Citibank to file a dispute with them and was advised there is nothing they will do to assist I did authorize the purchase and can not dispute the charge with the credit card Was advised by Citibank that I would need to take this up with the local police and file a criminal complaint I could not believe what was being told to me - and the call ended

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Starting in XX/XX/2019, PayPal Credit has either through A ) incompetence, or B ) deliberate intent, been delaying the posting of my mailed in payments, causing late fees to be charged. 

My XXXX payment was apparently " lost '' by the Post Office, according to PayPal. I have never had a piece of mail " lost '' in over 30 years. I spoke to a PayPal " representative '' multiple times that month. It became obvious that I was speaking to employees of a contracted third party, and was given no option to speak to anyone in the billing department of PayPal itself. 

On XX/XX/2019, I purchased a money order from my local post office, and sent the payment through the certified option. I received the confirmation receipt that the payment had been to delivered to the P.O. Box in XXXX, XXXX on XX/XX/2019. 

My payment is due the XXXX of every month. I checked to see if my payment had been processed multiple times over the next week, and it hadn't. I called PayPal on XX/XX/XXXX to see what was going on, and was given the same run around as in XXXX. Again, I was told it was a Post Office problem. On XX/XX/XXXX, my payment still hadn't been processed. On XX/XX/XXXX, I called them again, and was given the same run around, again. 

My payment was processed on XX/XX/XXXX, a full 12 days after it had arrived at their designated P.O. Box. Another {$38.00} late fee was charged to me. 

I spoke to another " representative '' today, XXXX, XX/XX/2019, to find out why it had taken so long to process the payment, and to have the fee waived. I was informed that the fee would be waived as a " courtesy, '' I still owed the inflated payment because of the late fee, and when asked who I need to contact to speak about billing and processing of payments, that there was nobody but his department. 

This is at the very least incompetence, or at worst, deliberate fraud ( theft. ) Either that P.O. Box is not being checked until someone complains, or these payments are being " lost '' or sat on deliberately to incur late fees.

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