vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GOLD KEY CREDIT, INC.
State: NJ

Complaint narrative:
I have documentation that providers at XXXX XXXX were paid for Emergency room visit Date of Service XX/XX/2017 on XX/XX/XXXX. Please review page 2. Provider has a contract with XXXX XXXX XXXX when they are in-Network provider. Because XXXX XXXX are in network, they are allow to Bill for services per contracted amount. XXXX XXXX recently notified XXXX and XXXX through Gold Key that debt has not been satisfied despite not only being reimbursed per contracted amount, but also violating provision of contract with XXXX XXXX. 

This constitutes unfair debt collection practices as debt collection practices by XXXX XXXX and Gold Key ; who are deliberately utilizing defamatory, unfair, malicious, cruel, and predatory to collect monies that theyve already received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 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: VA

Complaint narrative:
I have consolidated loans with the loan servicer Navient. I am a teacher and applied for Federal Teacher Loan forgiveness this past summer. I was denied even though I met all the qualifications and submitted proper paperwork. It has now come to my attention that Navient was involved in bad practices that made it impossible for teachers and other public service providers to be eligible for these loan repayments. They put their needs and desire for extra fees above those of their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I submitted a payment to XXXX XXXX XXXX in the amount of {$130.00} on XX/XX/2018. However, I was charged twice for this payment. I noticed the error on the same day as the second transaction was posted to my account and immediately notified the company. I was told that they will issue a refund, but that it would take 60 - 90 days to get back to me. That is 2 - 3 months. The irony of the situation is almost too much to bare ; during my time as a customer with XXXX XXXX XXXX I, too, was unable to pay them for a period of 90 days. I was reported to the credit bureaus, without notification, and as a result my credit situation has been damaged for the better part of a decade. 

Thus, I must contend that XXXX XXXX XXXX, lacks an adequate process to manage a timely resolution for their customers in the event of an accidental, or erroneous charge.I also assert that they lack adequate customer service capacity, as every call I have ever had with them has been frustrating, fruitless, and entirely unhelpful. 

Because XXXX  XXXX XXXX is either unable, or unwilling, to return my funds to me in a timely manner, I have also disputed the charge with my banking institution, and have asked them to assist me in recovering the funds that were erroneously withdrawn from my account, and were not being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PayPal has refused to engage in dialogue to resolve dispute case XXXX and has practiced avoidance tactics ignoring complaints and hanging up call PayPal has refused to resolve case with following information despite attempts from all parties ( bank, vendor, and myself ) to close out : Original transaction date : XX/XX/2018 Amount : {$450.00} USD PayPal account : XXXX is ( XXXX ) XXXX XXXX. 

Dispute Case : XXXX Receipt : XXXX PayPal needs to immediately refund the {$450.00} to resolve this transaction. PayPal is holding payment without consent of any involved parties. 


PayPal is using deceptive customer practices to delay attempts to resolve this issue by refusing to engage in a direct conversation with a competent employee. When asked to speak to management, they have terminated my calls. PayPal needs to properly respond to my issue. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Credit Control
State: CA

Complaint narrative:
On XX/XX/XXXX I was notified by mail that Continental Credit Control ( CCC ) was attempting to collect a debt owed to XXXX XXXX XXXX XXXX ( XXXX ) for a service from XX/XX/XXXX. I contacted XXXX forthwith, leaving several messages and my phone number. They could not provide me with documentation for the service that I have been alleged to have received. XXXX patient services informed me on XX/XX/XXXX that their billing records do not extend to XXXX. I was told a supervisor would contact me no later than Wednesday XX/XX/XXXX. However, I never received further correspondence about this matter from XXXX or their patient services. Consequently, I contacted consumer finance about the issue and was told to send a certified letter to CCC disputing the debt. I have requested they send documentation for this debt and additional information about it as well. I mailed the letter on XX/XX/XXXX to CCC at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX tracking # XXXX. They received this letter on XX/XX/XXXX. Unfortunately, CCC has not responded to my requests for assistance in regards to this matter nor have they provided me with legitimate documentation about the debt they are attempting to collect. Additionally, they have put this collection on my credit which has negatively impacted my life. As a result, I have filed a complaint with the Federal Trade Commission ( Ref. # XXXX ). I feel as if I have done everything within my power to settle the matter but have not received any assistance from the XXXX or CCC. I would like to file a complaint against the CCC and have them remove this collection from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy and then what? I see the late payment on XXXX XXXX XXXX? I told the credit bureaus to fix it but they never did!. I hope you understand the dilemma I'm going through, CFPB please step up and fix this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Yesterday, XX/XX/XXXX, Halsted Financial called me at XXXX and again at XXXX AND AGAIN within the same minute of XXXX. Then today, XX/XX/XXXX, they called me at XXXX and NINE MINUTES LATER at XXXX. This is literally harassment! I am at work during these hours and have a child who had medical issues so then blowing up my phone makes me leave my production floor thinking it is about her and an emergency, when it is just them harassing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This Best Buy Citibank Credit Card is still showing a balance. This needs to be updated immediately to a ZERO BALANCE.

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 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy and then what? I see the late payment on XXXX XXXX XXXX? I told the credit bureaus to fix it but they never did!. I hope you understand the dilemma I'm going through, CFPB please step up and fix this account

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 2018-10-19 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: CA

Complaint narrative:
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy and then what? I see the late payment on XXXX XXXX XXXX? I told the credit bureaus to fix it but they never did!. I hope you understand the dilemma I'm going through, CFPB please step up and fix this account

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 2018-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service
State: AE

Complaint narrative:
On or about XX/XX/2018, my XXXX XXXX XXXX was charged for a purchase of {$160.00} in a XXXX, Florida. I am an XXXX XXXX servicemember, currently stationed at XXXX XXXX XXXX ; I am a resident of South Carolina ; and I have never been to Florida. I contacted XXXX XXXX XXXX on or about XXXX XX/XX/2018 at XXXX XXXX, by phone. I informed them of the incorrect charge and I was informed that I would have to address the charges civily with the individual who made them. The reference number for the charge is : XXXX. I originally applied for a XXXX XXXX in XX/XX/2018, but I have never received the credit card.

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 2018-10-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am the guardian of property for my mother, a XXXX year old XXXX adult. 
She has had 3 CD 's at PNC Bank for many years. I renewed all CD 's at 0.75 % INTEREST rate on 3 different occasions from XX/XX/2018 to XX/XX/2018. 
PNC Bank reassures me that the interest rate will remain at 0.75 %. Then, someone at PNC changes the rate to 0.05 %. I did complain and they returned some of my mother 's lost interest in XX/XX/2018. It keeps occurring and they keep lowering the interest rate of return to near zero. They did it again in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
I've given dates on when I will pay my debt and they continue to harass me with repeated phone calls. They don't care when you give them a date to pay because they will continue to harass you. Even when I've told them repeated that I would be making my payments through my bank 's bill payment system, they will still call you and harass you. I've also told them repeatedly that I do not want to opt for the payment help because they asked additional questions that I thought were not appropriate and yet they continue to call and push their unethical plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to dispute and removed XXXX XXXX XXXX XXXX XXXX this has been on my report for 7 years & 2 mo I asked that it be removed immediately it shows that this account has been paid.

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 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a dispute online on a debt with XXXX XXXX Hospital that has been settled. This was confirmed by a representative of Experian when I asked him to look at my old file. He said that the old debt collector has instructed Experian to delete the negative report on the supposed debt. I asked Experian why it would accept a file from a new collection agency, XXXX, on an old debt that Experian acknowledged has been settled. The rep said that it has no control on who files what on credit reports. 

On the online dispute I filed with Experian, I just received notice stating that the debt is confirmed by the creditor, but the creditor it listed is the collection agency, not the original creditor. I do not think Experian did any investigation other than asking the collection agency, XXXX, to respond to the dispute I filed with Experian. The provided contact number and address of the original creditor turned out to be those of the debt collector, XXXX XXXX. 

Experian is being irresponsible in just accepting the report of the collection agency even though its own representative, informed that this is an old issue that has been settled, still went ahead and reported that this debt has been confirmed as valid based on the say so of the collection agency. 

I think the collection agency is being clever by half in changing the amount owed from the original amount of {$1500.00} it filed to now {$1500.00}. I suspect this is to throw off Experian to think that this is a new debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 We have proof that all of these payments cleared our bank and were paid to Ditech. After our first call to Ditech, it appears that the XXXX payment reversal has been reapplied to the account but we are not convinced that any errors that might have caused with interest and fees was corrected. We do have documentation for all of this but it contains the personal information that you said not to include. 

The only explanation that we have received for this is that Ditech is performing maintenance on our account and we will receive a new statement when the payments have been reapplied. This does not sound correct to us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: PA

Complaint narrative:
Borrower continued to make payments, including XX/XX/XXXX and XX/XX/XXXX, however the mortgage company stated that payments were never received. Borrower called regarding the money orders and received proof that money orders were cashed by lender. The borrower did not want to pay additional payments as borrower believed payments were current. Loan is now in foreclosure. Borrower sent out a QWR letter XX/XX/XXXX requesting for payment history to determine or prove that payments were received. Lender never responded to QWR letter as of today. Lender 's counsel was asked the status of the response of QWR letter at the last conciliation conference on XX/XX/XXXX but lender 's counsel had no knowledge. Housing counselor submitted a copy of QWR letter along with receipt of certified mail to lender 's counsel on XX/XX/XXXX. Lender has neglected to send any proof of payment history to reflect that XX/XX/XXXX and payments after were late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to dispute and removed XXXX XXXX XXXX XXXX XXXX this has been on my report for 7 years & 2 mo I asked that it be removed immediately it shows that this account has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
A reaffirmation agreement was made with PNC Bank in XX/XX/XXXX on my home equity line of credit. The line was closed at that time, but payments have been made faithfully and on time throughout the entire loan. In XX/XX/XXXX, PNC did a system update and forgot to include a bankruptcy disclosure on their statements. Since that time, they refuse to send me a bill or statement. After contacting my attorney and providing PNC with a copy of the reaffirmation agreement, that PNC was not able to find ... my attorney advised that there is no reason PNC can not provide me with billing statements. I have been been faithfully making payments blindly not knowing if they are posting to my account. PNC was also told about an inaccurate report they posted on my credit report in XX/XX/XXXX ... .stating account was included in bankruptcy. Since then, they have changed it to show paid as agreed, then changed once again to show closed as of XX/XX/XXXX. This is not the case, as I am still paying. Or should I not be paying? I would not know as they refuse to issue a statement. I have made at least 4 attempts by phone to them. Also a few attempts by email with a XXXX XXXX phone number XXXX email XXXX. He has not reached out to me since XX/XX/XXXX, when he was to be forwarding to the proper department for resolution. I also asked for many of my phone complaints to be documented and sent to me ... but they have not. 
All I ask is for statements to be provided or the account be absolved, due to their lack of incompetence. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a certified letter on XX/XX/XXXX stating that I owe a judgment to XXXX XXXX XXXX   DBA from the year of XXXX I don't know who I'm suppose to owe or why I'm suppose to owe them. Please help me to find out what is going on. Thank you very much. You can contact me XXXX XXXX at ( XXXX ) XXXX- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
COMPLAINT I am the court-appointed executor of the estate of my XXXX year old Mother 's boyfriend of 35 years, who passed away XX/XX/2018. 
The amount in question : {$86000.00}. 
Investment Firm refusing to release the funds : CapitalOne Investing. 
Beginning XX/XX/XXXX, I have submitted ALL of CapitalOne Investing required paperwork and have done everything they have asked me to do, but as of XX/XX/XXXX, NOTHING has happened. 
This included death certificates, letters of testamentary, notarized court documents appointing me as executor, Affidavit of Domicile, medallion signature guarantee " Transfer Assets Between Accounts '' and the name of my first pet. 
What's in my wallet? It certainly isn't CapOne. 
*XX/XX/XXXX CapOne Investing sent a letter outlining information I needed to provide them. 
*XX/XX/XXXX Having not heard, I sent a letter to CapOne *XX/XX/XXXX, I called CapOne and was told " Somebody should have responded to you '', and that they needed additional forms which they emailed and faxed to them the same day. I was told I would hear back by XX/XX/XXXX. 
*XX/XX/XXXX Having not heard, I called. " You first need to set up an account with XXXX as all accounts are being rolled over to them. I completed that process XX/XX/XXXX and have an active account but no funds. 
XX/XX/XXXX Having not heard, I emailed the " Customer service team '' and reiterated " Per CapOne 's direction, I was instructed to open up an account and have the funds transferred into the new account with XXXX. I HAVE done that, but XXXX contacted me Friday, XX/XX/XXXX and they said I have a XXXX balance and they " have no idea when the CapOne accounts are being transferred over ''. 
XX/XX/XXXX Having not heard, I called CapOne today. On my first call, after giving my account number CapOne ( or me? ) discontinued call, so I immediately called back. I was then told that ALL documents were received XX/XX/XXXX, but they could not explain why I could not access the funds, but that they would check with their operations team and I should hear back within 48 hours.

Company response to consumer: Closed with explanation