vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was affected by Hurricane Irma, forced to evacuate the area XXXX XXXX XXXX XXXX XXXX FL where I lived and my home was not livable afterwards. Fema paid for a month of hotel stays but I had no options besides moving to TN on XX/XX/XXXX with family because the repairs and damages were just too much. I had XXXX credit card accounts with Capital one. My last payment on account ending in XXXX was for XXXX on XX/XX/XXXX prior to the hurricane. The account ending in XXXX was also paid the same day in the amount of XXXX. We evacuated XX/XX/XXXX. Not having enough resources to rebuild, I had to leave my residence and moved to TN to start all over. I called Capital one in XXXX once I was mentally stable enough and situated in TN. The refused to give me a break on the XXXX late fees that occured on both accounts ( XXXX late fees adding up to XXXX all together ) The only option they would give me would be for me to make half the payment ( on each ) and then agree to another payment XXXX or XXXX weeks later! They dont offer account protection services, otherwise I wouldve enrolled to protect myself like I did with my other credit companies. When I lost my job due to company shut down XX/XX/XXXX they didn't give me ANY options at that time either so I ended up making payments to them with the little income of XXXX a month from Unemployment! Try living off that as a single mother with XXXX kids until I was able to find employment and still continue to pay Capital One 's Tough Army! Now of course after experiencing a tremendous loss from the hurricane, my XXXX kids and I having to stay in Fema approved hotels for a month and then having no choice but to leave my home state and depend on family to help me until I got back on my feet, undoubtedably, it took a couple months to start recieving sufficient income to get caught up on things. I have called different times hoping to get a different result from a different person and they would never offer me anything other than a payment plan that was unfeasible to get caught up. And if it took a month or 2 to get caught up, they still would add the late fees each and every month which would make it impossible to get caught up! These accounts prior to the natural distaster were at their limit.-one for {$1400.00} which is reporting on their website as totalling out to XXXX at this point!! And the other limit of XXXX reporting at XXXX! Despite being informed of my situation they continued to call and call my phone until I could no longer afford my phone bill and they had no way of contacting me. Thats how destitute I was after this misfortune happened!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 Diversified Consultants received a certified letter from me requesting debt validation. Diversified Consultants responded by sending a bill. On XX/XX/2018 a 2nd written request was sent to Diversified Consultants to verify the alleged debt ; the company responded by sending another billing statement. Months prior to receiving this negative remark on my credit reports, I returned the cable/internet equipment to XXXX and was awaiting a final bill showing the deductions of the equipment. I never received a final bill reflecting the appropriate charges nor was I given the opportunity to pay the final bill before they sold the account to a collection agency and reported it on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All accounts are medical bills that should not be on my credit report. They sold my accounts to a 3rd Party which is illegal and violation of HIPPA.

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 2018-03-19 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: FL

Complaint narrative:
All accounts are medical bills that should not be on my credit report. They sold my accounts to a 3rd Party which is illegal and violation of HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All accounts are medical bills that should not be on my credit report. They sold my accounts to a 3rd Party which is illegal and violation of HIPPA.

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 2018-03-19 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: TN

Complaint narrative:
I have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.

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 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDCOUNTRY FINANCIAL CORP
State: AE

Complaint narrative:
Step 1 : What is this complaint about? 
XXXX pulled my credit report without my permission. When I asked why, I was told that the representative was not willing to put the reasons why in writing. 

Step 2 : What type of problem are you having? 
I have never used XXXX services before. I want to know why my credit was pulled, and why is this still an ongoing thing. 

Step 3 : What happened? 
Back in 2011, I tried to purchase a plane ticket for my son, to fly him to where I was stationed in XXXX XXXX, Wa. The military would not book my son a ticket on the same airline because they did not partner with them, so I told XXXX I would not be needing their services. I never used the ticket. I have spoken with them numerous time, but they are still showing up on my credit report as delinquent. I do not owe them anything. 

Step 4 : What company is this complaint about? 
XXXX Services Step 5 : Who are the people involved? 
Just myself and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: TN

Complaint narrative:
I have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.

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 2018-03-19 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: TN

Complaint narrative:
I have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
Order Summary Order Number : XXXX Order Status : Deposit in Transit Your money transfer has arrived! 

The money transfer you sent has arrived. Let your recipient know that it will be deposited in their account soon. 
Order Timeline Money Transfer Created XX/XX/2018, XXXX XXXX GMT+9 In Transit XX/XX/2018, XXXX XXXX GMT+9 Sent to Agent XX/XX/2018, XXXX XXXX GMT+9 not complete.

please help me they don't deposit my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I noticed a collections account when checking my credit report. The company is Diversified Consultants, Inc ( DCI ), found here : https : //www.dcicollect.com, ( XXXX ) XXXX-XXXX I have contacted the DCI, provided my correct contact information and requested a bill. DCI had an address on file that I have not used in about 8years, and was not the one found on any credit report. The company reports negatively monthly to the credit bureaus. I have made multiple attempts to contact DCI via the telephone number associated listed. During one phone call during normal business hours there was no one able to provide any information regarding my account. DCI has failed to attempt any means of communication since I contacted them the beginning of XX/XX/2018. I personally believe that DCI 's practices are unethical. Attached is the closest thing to communication from DCI ... A screenshot from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
This account was never billed to my address, I have never used this service, XXXX XXXX never proved that I own this account. I have never received a statement or a bill for this account at my home address. I have never received one document from XXXX XXXX asking for payment for the aforementioned account and I tried to dispute with no avail. I demand this removed from my credit report as there is no proof this is my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank Debit Card funds ( {$23.00} and {$32.00} ) were withdrawn by US Bank on Monday, XX/XX/XXXX by immediate electronic transfer to XXXX. Saturday, XX/XX/XXXX XXXX refunded these withdraws {$23.00} transaction id XXXX and {$32.00} transaction id XXXX. Monday, XX/XX/XXXX, US Bank debit card account did not reflect refunded transactions on my debit card account. Monday, XX/XX/XXXX, I called US Bank to be it is their policy to hold refunds for 15 days. I asked to speak with a supervisor who was obstinate refusing to even confirm for me that the US Bank had indeed received transactions cited above from XXXX. Tuesday, XX/XX/XXXX, I called XXXX Customer Service requesting email confirmation of transactions. XXXX issued at XXXX XXXX email confirming refund transactions cited above. Wednesday, XX/XX/XXXX XXXX XXXX USBank did not reflect refunds on my USBank Debit card. At XXXXXXXX XXXX I returned call to US Bank to speak with their Customer Service Supervisor speaking for 1 hour, 3 min, 27 seconds regarding this situation. US Bank Customer Service AND that person 's Supervisor refused to even confirm, again that these refunds even were received. Both stood firm they hold refunds for 15 days. In my nearly 2 years with US Bank debit card, refunded monies from XXXX were ALWAYS refunded to my debit card. I pleaded with US bank that I am a senior on social security income, fixed income and need funds refunded me made available to buy medication, food. I asked " why '' XXXX transaction was IMMEDIATELY electronically withdrawn from my US Bank Debit Card but that refunded XXXX transactions are being HELD from my use. I was told by both US Bank Customer Service agent and supervisor no more than that is their right to do. This is, in my opinion, unconscionable for any bank 's debit card monies be withheld from the customer 's right to use when transactions of refunded monies to US Bank were issued by XXXX 4 days prior. As of this writing, Monday, XX/XX/XXXX XXXX XXXX, US Bank " continues '' to hold monies refunded to me. US Bank debit card Customers deserve honesty, a dedicated intent to resolve monetary matters as well as accountability with consistent banking actions. I file this complaint as holding anyone 's money for 1/2 month is damaging to me and all citizens relying on fixed ( social security ) income. US Bank is holding my direly needed refund from XXXX with no answer why other than it is their right to do. Respectfully Submitted, XXXX XXXX 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 2018-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Van Ru Credit Corporation
State: MA

Complaint narrative:
This process started in XXXX, XXXX. I contacted VanRu in an attempt to rehab my loan after confirming that they received my packet ( with the salary information and all the paperwork ). I was under the impression that I would be on the reahab loan. I contacted a few months later to check on the status of this- they said that everything looked good and I had a few months left to complete the rehab program. After a while- I realized that the loan had not been moved to a different servicer- I called them again to check on this. They claimed that they never received the paperwork and that all of the payments did not apply to the rehab program. They claimed that they would submit the required paperwork by email /mail and that they would need to be filled out and returned. After a week or so, I contacted them again to ask for the paperwork, they claimed that this has been submitted to me and I have received them. When this happened again- they submitted a loan consolidation application paperwork- not the paperwork required for the loan rehab program. 

I had been making monthly payments for several years and they continue to send me letters saying that the payments are collected by wage garnishments which is false. Now this loan apparently has been deferred to a DIFFERENT collection agency. This loan should have been in good standing as of 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 2018-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/2018 Reff. : # XXXX I received a voicemail on XX/XX/2018 from XXXX XXXX informing that she send all requested documents to the CFPB and to my address. Today is XX/XX/2018 and I never received the documents by mail. I left a message to XXXX XXXX to call me back immediately she left the message and i still do not have a return phone call from her. I accessed the information in The CFPB and I can not see the the copies of the evidence of checks on the Account # XXXX. I am still confused on how they got to that amount. 
Once again, I am only requesting evidence of copies of checks with signatures to confirmed all transaction made on this account. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: MD

Complaint narrative:
I disputed the debt with Medical Data Systems on XX/XX/XXXX and it was signed by XXXX XXXX via certified mail. They passed the 30 day time frame and removed debt off my report. I later received mail on XX/XX/XXXX regarding account no XXXX, XXXX, XXXX and XXXX sating that the debt had been verified and that the XXXX XXXX XXXX XXXX  has provided them copies of an itemized bill. This itemized bill that they have provided me with has copies of diagnosis, what kind of test had been taken place. This is in violation of the HIPPA law. Please be advised that under Federal Statutes, The FCRA ( 15.U.S.C.1681 et seq and the state of Maryland consumer Credit Statutes and subtitle D of the ARRA, SEC . 13041. APPLICATION OF SECURITY PROVISIONS AND PENALITEIS TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; AND SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. They may be liable for the actions of ( Medical Data Services ).

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 2018-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I

have been on income-driven repayment plans since I graduated law school in XX/XX/XXXX. I have never missed a payment and have timely recertified each year -- that is, until XXXX  provided me bogus annual recertification deadlines, then used my " late '' application to capitalize $ 50K+ of interest on my student loans. After two complaints through the CFPB ( see, e.g., Complaint No. XXXX ), XXXX finally acknowledge and corrected about $ XXXX   of the $ XXXX of capitalized interest. Now, it is important that XXXX   addresses the remaining $ XXXX  that was capitalized due to their predatory scheme.

Prior to my XX/XX/XXXXannual recertification, I received a letter providing an XX/XX/XXXXdeadline. A month or so later, I received a letter providing a XX/XX/XXXX recertification deadline. At the time, I didn't realize that the first letter was for my loans under the IBR plan and the second letter was for my loans under the REPAYE plan. And why would I? I've always recertified a single time each year and had no reason to believe I would suddenly have two different deadlines. And XXXX  was not even asking that I submit two applications for the two different plans ; only one is required.

The fact of the matter is that the later XX/XX/XXXXdeadline is completely bogus. The only way that I would not have been penalized is if I had followed the earlier XX/XX/XXXX deadline and ignored the second letter altogether. But in my not realizing XXXX changed the game ( two deadlines for one annual recertification ) and my relying on the most recent letter I had received, XXXX had contrived a scheme that, in practice, was used to mislead me then catch me on a technicality, giving XXXX   reason to capitalize ten of thousands of dollar of interest.

Please consider, too, that I was/am already swamped with $ XXXX in student loans without all this capitalized interest and I have always paid on time and even pay additional amounts monthly. I have been an ideal customer with a reasonable explanation as to how this happened, and I hope XXXX will do the right thing.

Company response to consumer: Closed with explanation