vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management
State: KY

Complaint narrative:
Keybridge submitted a medical debt to the credit reporting agencies that was paid. This is a matter in which both the XXXX XXXX XXXX and Keybridge have handled the matter incorrectly. We made regular payments for years to XXXX XXXX XXXX, I submitted 5 written notices to them asking for a statement reflecting what they felt we still owed. At all times we updated them with our new addresses, so they had no reason not to send billing statements. They never responded. My husband spoke to them on the phone and their billing person refused to send a statement. I made monthly payments for years, NEVER receiving any billing from them, and we NEVER heard anything of, or from Keybridge. The only accounting of our debt I could go by was the records I kept, the last billing we received was in 2014. Eventually we received a check from XXXX XXXX XXXX stating that we had overpaid the account. Even at that, they sent a hand written note, as though 1 person in the office had a conscience and wanted to do the right thing, but couldn't get permission to actually write a letter. 
A review of our credit report showed the collection reported by Keybridge. They never contacted us in any manner, nor were we given our right to dispute the debt. The debt is paid, we made PAYMENT IN FULL without EVER receiving any billing from either party. This was the result of a XXXX that was pre-approved by insurance, then after the fact the insurance company denied payment. We made regular monthly payments until the debt was paid in full.

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 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried on multiple occasions to cancel my Experian credit monitoring. I am on hold for over an hour each time I call. 

Last time I was on hold for 96 minutes then someone answered and hung up the line. 

They take XXXX dollars per month and I have no way of canceling my service. I try to cancel online, only to be referred to call and cancel. 

This is fraud and must be stopped.

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 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit card due date is on XX/XX/18. I made an online payment on XX/XX/18 paying off the balance on the account. On XX/XX/18, Chase charged an interest fee on a XXXX  balance account. When I asked to have the fees removed, they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX, the fees they charge don't bring your account down when making monthly payment. Also when signing for this card I was told I either do it to have the XXXX or not and nothing about any promotional offers was given to me at time of signing and that is one of their excuses for charging me extra. I've been making {$110.00} dollar on average payments and it seems to be going nowhere. XXXX XXXX I think take advantage of the needing and poor to advance their company and it should be stopped. Especially when I went in for another XXXX with a different doctor a few months later and they did it with out question. I feel they are robbing people and they should be investigated. Me and my wife compared our credit card to this company and it is no where in comparison. XXXX XXXX charges a XXXX security fee each month on top of a 26.99 interest rate. It is only beginning of XXXX and here is a description of the fees they have already received. 
Tran Date Post Date Reference Number Description Amount FEES XX/XX/2018 XX/XX/2018 Card Security XXXX {$42.00} TOTAL FEES FOR THIS PERIOD {$42.00} INTEREST CHARGED XX/XX/2018 XX/XX/2018 INTEREST CHARGE ON PURCHASES {$64.00} TOTAL INTEREST FOR THIS PERIOD {$64.00} 2018 Totals Year-to-Date Total Fees Charged in 2018 {$98.00} Total Interest Charged in 2018 {$140.00} Total Interest Paid in 2018 {$760.00}

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 2018-03-03 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: CITIZENS FINANCIAL GROUP, INC.
State: AR

Complaint narrative:
On XX/XX/2018 citizens bank enter a hard inquiry on my credit report. I never gave them permission or did I ever contact these people on any service. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I bought a used XXXX from XXXX dealership in XXXX Ga in XX/XX/XXXX. I had complete engine failure a year and one month later. What went wrong with the car DID NOT match the XXXX. I had bought the car from a car loan from Santander Consumer USA for around 10,000. 

I could not afford replacing the engine and told Santander Consumer USA I wanted to voluntary surrender the car back to them around XX/XX/XXXX. They eventually repossessed the car but has my account still open like I'm scheduled to make payments. They have my account still open and the business is reporting my account as delinquent to the credit companies each month- this keeps lowering my credit score. I haven't received back information on how much money I owe them after the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I purchased my home in XXXX and fell behind in XXXX. I had requested a modification and was denied. In XXXX my home was in process of foreclosure. XX/XX/XXXX we had a hearing and thats when NationStar decided to allow me apply for a modification. I got approved in XX/XX/XXXX. My payments went from {$1300.00} to {$1200.00}. What does nt make sense it that after for 3 months they raised it to {$1300.00}. They added {$12000.00} to the principal and I had to start over with 30 years. Therefore the 10 years I did pay didnt make a difference. I feel I was scammed because how does a modification help me for 3 months. I have nt made a payment since XX/XX/XXXX because I can not pay {$1300.00}. I was adjusting the modification payment. I need help on keeping my house. Mortgage companies like NationStar/Mr Cooper only set up the customers to fail. Plus my payment included loan insurance so it a no lose for them. Therefore why should I lose my home. I called a few times left my # and no one has called me back as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/2016 I was denied a XXXX  loan forgiveness request through Navient. The reason given is that I had taken out a second loan to pay for school after my first year of college. I had worked XXXX XXXX XXXX XXXX XXXX XXXX XXXX which qualified me for this loan forgiveness program. I want to know what recourse I have for this company unlawfully denying me the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This compliant is against Ocwen Loan Servicing Mortgage Company and is in reference to my mortgage loan. On XX/XX/XXXX I OVER PAID my monthly mortgage in the amount of approximately {$10000.00}. On approximately XX/XX/XXXX I contacted the mortgage company and requested that I be reimbursed for the difference. I was informed that a request would be submitted and I would be REFUNDED my money. On XX/XX/XXXX a wire transfer supposedly occurred from Ocwen and was sent to my bank account but the bank account number that the funds were sent to was an INVALID account because of a transposition in the account number. I have been talking with at least 3 different escalation managers at Ocwen and to this date I have not received my refund. There customer service is despicable. They are incompetent and non-responsive. They have provided no amicable solutions nor have they even attempted to trace what has happened. They appear to have done nothing but tell me that they are waiting to receive funds back from the bank before I can receive my refund. I have talked with the bank and the company every day practically since XX/XX/XXXX and I am getting no answers as to when I can get my money. I am at my wits ends because this is my life savings that I am waiting to receive and no one is helping me find out what is going on..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
the following address need to be removed from my report and file XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX TXXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OR XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.

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 2018-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX has once again fraudulently failed to allocate my payment funds per my specific written instructions. 
On XX/XX/XXXX I submitted a payment of {$340.00}. 
I sent a message via the XXXX message system as well as the President 's office email : " I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' My first message and email were not responded to. 
On XX/XX/XXXX I sent a second message : " This is my second request ... I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' I received an email acknowledgement from XXXX that they would process my request. 
On XX/XX/XXXX I reviewed my account and XXXX did NOT apply the {$340.00} against " promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' On XX/XX/XXXX I sent the message : " Apparently I must make another complaint too the CFPB as you did NOT apply my {$340.00} payment to the XXXX XXXX loan of {$340.00}. The US Federal government will be interested as they regulate banks. ''XX/XX/XXXX XXXX messages : " Hello XXXX, Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. Please refer to the Promotional Summary section of your next billing statement to see the adjustment. We appreciate you as a valued customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us at XXXX. We appreciate you as a valued XXXX XXXX account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX XXXXCustomer Service Account is owned by 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 2018-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Between XX/XX/2017 and XX/XX/2017, I called Bank of America to close my checking account. During the call, the account was closed and I was told that the remaining funds ( about {$1200.00} ) would be sent to me within 2 to 3 days. After 9 days, I called again to see where my money was. The representative said that the funds arrive between 7 and 10 days from the date of closing the checking account. Now after almost 2 weeks, I still do not have my funds.

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 2018-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Good Afternoon! In 2009 Pres. Obama gave the banks money and bailed them out ; many claimed loses on mortgages. My mortgage had been securitized several times I learned about securitization from the XXXX XXXX XXXX Ocwen now is " servicing '' the loan, which is now approx. {$40000.00} under water/upside down. Ocwen has never reduced my mortgage by that amount ; they were not the servicer at the time ; it was XXXX XXXX. That company only would offer a " modification '' I contacted the att'y general in my state of New York . I was told that they would rectify the situation. After investigationg, I was told that the modification would be a first step to hopefully reducing the principle to get it back above water/rightside up. I did take the modification, however the mortgage wasn't reduced it now had a Ballon Payment at the end of the loan term of some approx. {$30000.00}. 

I need help getting this principle reduced so that I'm no longer under water/upside down in this mortgage. Also, if XXXX XXXX did take money from the gov't. to be bailed out I want MY BAILOUT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am an authorized user on a XXXX XXXX XXXX XXXX XXXX, the account information only shows on my XXXX credit profile. The Primary account holder, did contact XXXX 's regarding the issue and XXXX XXXX claimed it was reported every month to all 3 credit reporting agencies, we spent hours with XXXX XXXX and XXXX   on the phone trying to solve the problem, nothing has been done.

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 2018-03-03 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: CA

Complaint narrative:
On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: CA

Complaint narrative:
On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.

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 2018-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
I'm in Tennessee and was married for 3 years to my husband that XXXX XXXX   in XX/XX/XXXX. He was diagnosed with XXXX XXXX in XXXX and only lived XXXX XXXX from his XXXX. AFFILIATED CREDITORS INC has reported that I have medical bills that have gone to collections. These bills were addressed in my husbands name only in the beginning. He XXXX XXXX. I noticed in XX/XX/XXXX that ACI put these on my credit report as well as changing the addressee name to mine. I have messaged them through their website and had one of their employees contact me via phone per my request. I explained that this was my XXXX husbands hospital bills. Our health insurance was under my employer, but I never signed any document saying I would be responsible for paying his bills. I was told by the Affiliated Creditors representative that this should have been on his credit report, not mine. She was going to reach out to her supervisor and call me back. Instead, I continue to get bills now addressed to me. Please have these removed from my credit report. I've worked hard to pay my bills on time. 

XX/XX/XXXX {$1800.00} XX/XX/XXXX {$950.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I took out a loan with a big picture loans needing some emergency cash not realizing that the interest rate was over 450 % which is illegal. I have had this loan since XX/XX/XXXX making payments of {$430.00} a month since XX/XX/XXXX and my balance is still {$1400.00} according to a payoff amount as of today XX/XX/XXXX months later after paying well over {$1500.00} and interest already. This company uses illegal predatory practices to prey on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am an authorized user on a XXXX XXXX XXXX XXXX XXXX, the account information only shows on my XXXX credit profile. The Primary account holder, did contact XXXX 's regarding the issue and XXXX XXXX claimed it was reported every month to all 3 credit reporting agencies, we spent hours with XXXX XXXX and XXXX   on the phone trying to solve the problem, nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent in a copy of my ID with the correct mailing address to Experian, XXXX   and XXXX and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.

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 2018-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This company has a serve lack of knowledge. Numerous times I have been something and then call them back and be told misinformation. I am trying to pay back my loan faster and they hold my money and say that it goes towards the principle, but their is no principle only option. Then I was told that when I got my taxes to pay the balance that has been holding against and then the loan will be paid off. I do that and then I was told I was misinformed and still owed another {$1200.00}, meanwhile I was told only {$450.00} would close that account.

Company response to consumer: Closed with explanation