vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a copy of my Transunion credit report back in XXXX. I noticed 7 account credit inquiries that I did not authorize. I immediately contacted Transunion by mail to dispute those inquiries and to have my information corrected. Transunion replied saying they would be staying on my report and fall off after 2 years. I proceeded to call them and was told to contact the companies that ran my credit. I did so and I was advised to contact Transunion for removal. I called transunion again this week on Tuesday XX/XX/XXXX and was told I had to contact the companies and that they dont dispute inquiries. I was ignored and then told that the specific overseas agent I spoke to was limited on what he could do. I asked to speak to a supervisor and was transfered to a US agent who stated was a supervisor and that I would just have to wait the two year period for them to fall off. I again told him that I had never authorized those inquiries to which he replied there was nothing he could do and disconnected the call. I proceeded to contact XXXX XXXX the CEO at Transunion by email, informing him that his agents were refusing to submit a dispute or even attempt to help me get this information corrected on Tuesday XX/XX/XXXX, and as of today have not received a response. I have researched and tried different ways to get this corrected and as of today have yet to make any progress. It is disheartening that these credit reporting agencies dictate what they want to report and we as consumers are not able to do a thing about 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 2018-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
XX/XX/XXXX On XX/XX/XXXX I received notification from XXXX XXXX XXXX XXXX XXXX advising that the servicing of my loan had been transferred effective XX/XX/XXXX from UNITED SHORE FINANCIAL SERVICES , LLC to XXXX XXXX XXXX XXXX XXXX and that UNITED SHORE FINANCIAL SERVICES , LLC stopped accepting payments received from me after XXXX XXXX. 

I have never missed any payments, now I am receiving foreclosure letter from UNITED SHORE FINANCIAL SERVICES , LLC attorney advising of foreclosure. This has ruined my credit score, t UNITED SHORE FINANCIAL SERVICES , LLC is reporting over 90 days late on my credit, dropping my score over 100 points. 

I have contacted both servicers ( prior and new ) and one says I have two accounts with them, two different loan numbers. I have never missed a payment and have spent hours on the phone trying to solve this at no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: GREAT LAKES
State: CA

Complaint narrative:
See Complaints XXXX & XXXX. This complaint is added on. I reiterate, my wages are getting garnished at $ XXXX/pay period $ XXXX/month. This is not my loan. 
Secondly, This is on the Department of Labor Website for California : The most that the Department of Education can garnish for a student loan is 15 % of your disposable income, but not more than 30 times the minimum wage. The garnishment paperwork states up to 25 % The minimum wage in California as

of XX/XX/2018, is $ XXXX/hr, 30 times XXXX is {$330.00}, i am losing $ XXXX/pay period. Not sure if the 15 % is per pay period or per month. I need help immediately.

I am submitting a Loan Discharge Application for False Certification to the US Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
Capital Accounts LLC : Repeated Phone Calls since XX/XX/2018, {$3200.00}. Called spouse and provided all details about the debt. Falsely reported information to XXXX, told to speak with the originator of the funds. Lied to spouse that interest is accruing. Calling cellphones with an automatic dialer, no message being left. Calling in the middle of the day when working or sleeping for work that night. Calling from different numbers every day. Reported to XXXX and XXXX, never provided social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I XXXX XXXX called XXXX XXXX to inquire about current bill to set up payment plan and was informed I had outstanding bills I had at the Medical Revenue Service XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX # XXXX XXXX XXXX XXXX ( collection agency ). I verified the amount owe. Amount of account owed ( {$360.00} / {$120.00} / {$12.00} ) I asked if I could just pay XXXX and was told I had to go through Medical Revenue Service. I called them immediately and paid a portion of my bill on XX/XX/XXXX and ask if this was on my credit and was told yes it was and I set up a payment plan. I was told it would be XXXX balanced once paid ( XXXX letter sent ) and paid as agreed on credit report and that meant that would be taken off my credit. I did not seek a settlement because I wanted to pay my debt and it was coming off my credit. A couple of weeks later I called and paid off the bills completely on XX/XX/XXXX and was told I would get a XXXX letter and it would take 10 days. I waited for the letter and received a statement in the mail. I called and inquired to see if the letter was coming and when will it would be taken off my credit. I was told that there is no letter that the statement shows XXXX balance and that's all I will get and they would not take it off my credit. I tried to explain to the representative and asked for a supervisor or manager I was told there is no one else I can talk to and the representative did not even attempt to send me to someone else. So now that I have paid my account they will not do anything for me as a consumer

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 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a certified debt validation letter to common wealth financial company asking them to verify the debt they claimed I owe. They in return sent me a letter back stating to dispute the validity of the debt. I in fact had already done that and they didn't send me proof that the debt in question actually belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: FL

Complaint narrative:
In XX/XX/2017, I disputed this with the credit bureaus and it was deleted when the company could not verify this account belonged to me. They have now re-reported it to the credit bureaus. I have never had an account with XXXX - which is showing to be the original creditor. XXXX has confirmed that they do not have my information showing in their system as a past customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2018 I received a letter from Sears XXXX  saying that they decided to not to renew my account. The letter stated the decision was based on me having unsatisfactory credit. This is untrue. I have very good credit. I always pay all of my cards on time and in full each month. XXXX XXXX credit score is currently XXXX. So I believe they unjustly closed my account. And I believe the reason why is I had accumulated enough Reward Points to redeem a {$500.00} gift card, and they did not want to give me what I earned. Not only did they close my account, but they also immediately stole of the points I had accumulated over the course of years. This is a card that requires a yearly fee of {$35.00}, which I was willing to pay because of the rewards program. I called the number on the back of my card and was repeatedly transferred from department to department with no one willing to reinstate my points or give me a reason why they said I have unsatisfactory credit. I was on the phone for 2 hours.

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, Chase Bank closed both of my credit cards, without notice, due to too many other new accounts opened. I called the bank and was told that there was nothing that could be done and the decision was final. I've never missed a payment, keep my balances low or at {$0.00}, and have had an account with them for four years ( one of my oldest cards ). All I want are my accounts reopened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX. I received a letter stating they were closing my XXXX XXXX accounts, 2 roth ira and 1 XXXX college savings for my son. Called them to ask why and they said it was a business decision to end service with me and no further explanation was given. About a week later, another letter came in the mail and said they were closing my checking and savings account with no explanation. I have been on the phone back and forth with XXXX trying to rollover a different brokerage and now im dealing with my checkingsavings account. Called about that and they said the same. None of the customer service could understand it and tell me why. Been a loyal customer with bank of america for over 15 yrs and my mortgage is currently there so everything was fine. XX/XX/XXXX this morning i went to use my credit cards from BOA and guess what they are shut off. Called them and ask why and no answer was given except they can terminate anytime. Ive paid my bills on time with them have excellent credit so i couldnt understand why. after back and forth with customer service which i was polite to because its not there fault the banks did this, i ask what about my reward points ive accumulated, they said it was forfeited do to account closure. I have over 68K points on travel rewards and they wont do anything about it. No explanation, no reason. I have been on the phone for the past few weeks dealing with this. I think i should have been given the courtesy of an explanation and reasoning why this happened and after years of loyalty to the bank, they could have at least work something out even if we would not continue business together.

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 2018-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
Purchased a home as is inXX/XX/XXXX. Filed for Chapter 7 Bankruptcy in XX/XX/XXXX. Continued payments on the home until XX/XX/XXXX All calls to Ditech starting inXX/XX/XXXXwere greeted with the " home is bankruptcy '' you are not responsible for the debt. They would not assist with any details on how I could save the home from foreclosure and request for modification prior to XX/XX/XXXX were denied because the loan type is a retail installment agreement. Interest rate is 11 %. No one would consider refinancing because of the foundation issues. XXXX XXXX & the Loan Servicer Ditech are predatory companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: VA

Complaint narrative:
I am trying to reinsert a deleted credit report " XXXX XXXX XXXX XXXX '' the company is trying to reinsert it with my consent and sent the report several times to transunion with reinsertion form, but transunion is not reinserting it, they are miss handling and not working according to the law. I have profe that they are recving it but they keep on saying the didn't recive it, pls see attachments.I have wasted lots of money and time sending faxs, mails, but the company keeps on ignoring and miss handling my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
We received a bill for over {$1700.00} from BC Services on  a medical claim from XXXX XXXX XXXX of the XXXX. My daughter had XXXX there in 2016 and we did not know that we still owed money. I called the orthopedics and I paid them directly in XX/XX/XXXX or XX/XX/XXXX. The collection company has continued to call and send letters attempting to collect this amount. This is deceptive. I believe they are trying to collect money that's already 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 explanation
Consumer complaint received 2018-04-27 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: The CMI Group, Inc.
State: TN

Complaint narrative:
I do not have or have ever had a contract with this company. I have never signed or asked for services from this company. I dispute existence of any contract what so ever.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: MI

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Nelnet regarding their poor execution of e-mail notifications resulting in confusion, annoyance and hardship given conflicting information making it difficult to correctly budget for repayment. Nelnet has since reached out and explained that my problems were caused by having multiple due dates each month. The representative that I spoke with told me it was an easy fix and it could be done upon my request. Why this isn't automatic is beyond me. That discussion occurred on XX/XX/XXXX. On the same day I made a payment for the amount due shown on the website with confirmation number XXXX. Today, XX/XX/XXXX, I received an email notification from Nelnet informing me that my account is past due which requires " immediate action. '' I called Nelnet customer service and was told that despite my payment confirmation letter indicating an authorization and effective date of XX/XX/XXXX, in reality, it takes " a few days '' to apply. This, despite the money having already left my bank account. The irony is not lost on me that I spent three years in graduate school studying organizational leadership and process improvement and how have to use that education to criticize the very company that services the loans which paid for the education. As noted in my first complaint, asking that the company ensure their email communications are accurate and the underlying technology and operations which feed that process are correctly aligned should not be a big ask. This is fundamental to the operation of any business. Nelnet can and must do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am truly in need of your help. World Omni Financial is reporting on my credit report and I do not believe this is correct information. I have disputed this with the bureaus and requested information directly from the company. The bureau has done nothing except indicate they validated the debt and World Omni has not responded to my request for additional information. There was no break down of fees received no payment history nothing. I don't understand why no one is giving me requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
I moved at the end of XX/XX/XXXX and cancelled my service with XXXX XXXX. They continued to bill me for service at my new address. I had many calls with them during XX/XX/XXXX and XX/XX/XXXXto get this corrected. They did send me a gift card for one month of over billing but continued to dispute the other. On the last call, ( I have the date at home ) We agreed that they would partially credit my account and that I would pay {$55.00}. I told them I would pay this as soon as I received my gift card, and I did. Payment was deposited by them on XX/XX/18 and cleared my bank on XX/XX/18. They sent me to collections. I contacted the collections agency and sent them a copy of the front and back of my check to provide to XXXX XXXX. Yesterday, I was told they did not accept my proof of payment, the debt is still owed and they will continue to come after me for the money. I spoke with an attorney this morning and this is in violation of the Fair Debt Collections Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone tried to open credit accounts in my name. Once I found out, I contacted all the credit bureaus in which the inquiries were created and started a formal dispute. Equifax would not remove inquiries and stated they were accurate and for me to contact the companies that initiated the inquiry. In turn, I sent certified letters to each company which was a total of 12. Out of those 12 I received 4 responses that stated they had no record of the inquiry. I resubmitted my dispute with Equifax along with the letters from the companies as well as my certified tickets showing the other companies received my dispute and did not respond in 30 days. Equifax still would not remove these inquiries ; however, the other 2 bureaus did after my first dispute. I spoke to several Equifax agents and received no follow up. This has been going on since XX/XX/XXXX and I assumed if the other 2 bureaus had the information that these inquiries were not made by me Equifax would have access to this as well. I do not feel that my dispute was properly investigated and am extremely disappointed.

Company response to consumer: Closed with non-monetary relief