vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
Not sure if you can help..I have always ( weekly ), used Credit Karma.com, to get my credit scores, and check balances on credit cards and loans..I also used them to do my taxes last year..The last time I checked was XXXXI went on their website XX/XX/19, to do my taxes, and they now say my sign on is invalid..They want to text me a verification code to verify my identity, but they are using my old phone number..Thet phone has been deactivated! I entered my new number, XXXX XXXX, but they told me it was invalid..I sent them several emails from XX/XX/19, but receive no response..They dont have a contact phone number..They are still sending me emails prompting me to use their tax service, but I can not, since it tells me to verify, thru my old phone number..I am at a loss at how to get thru to them..Please help..Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a chapter XXXX bankruptcy and included XXXX XXXX. The company refuses to acknowledge that they are filed in bankruptcy has added their information to my credit report again as well as on in my tenant records. The company can no longer dispute the Chapter XXXX because they did not file it with the trustee and the company has to stop putting the charge back on my credit report. They have told the credit bureau that my claim about the bankruptcy is not true but the credit bureau will need to contact the US Bankruptcy Court to see if the information is true and they have not done this, they only accepted what the car dealer has given them which is not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/XXXX I Discovered that a fraudulent credit card had been opened in my name because Bank of America posted it as bad debt and it went to the credit bureaus. The card had a balance of around $ 20k on it. The card was used to pay off a XXXX XXXX credit card in my name which I also did not open. XXXX XXXX has determined this card as fraud and to my knowledge has let Bank of America know of this fraud. Bank of America still refuses to admit this credit card as fraud despite several attempts to prove that it is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MA

Complaint narrative:
I have been trying to negotiate a debt settlement with my original credit card company ( XXXX XXXX XXXX XXXX XXXX ). In the midst of this negotiation, I received a notice from that original credit card company stating they sold my debt to a specific debt collection company ( XXXX XXXX XXXX XXXX XXXX ) and that company was prohibited from reselling my account to an entity other than to an affiliated entity without the approval of the original creditor. 

I sent a negotiation letter to that debt collection company as soon as I received the letter from the original creditor. Soon after, I started getting collection phone calls from a different company to my place of employment. I then received a notice in the mail from that different company ( Stoneleigh Recovery Associates ), telling me that I need to send payment to Stoneleigh. I sent them a verification letter on XX/XX/2019. To date ( XX/XX/19 ), I have only received copies of my credit card statements and a notice stating that Stoneleigh was permitted in the State of Massachusetts. However, I do not, nor ever received, a letter stating that they are authorized by the original creditor to collect the debt. The 2nd debt collector has bad marks about their unsavory debt collection practices and I don't trust them. The 30 day period is over for giving me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
A collection from XXXX XXXX XXXX was added to my credit report around XX/XX/2019. On XX/XX/2019 I filed a complaint with the CFPB stating that the account was illegal, null, void and not collectible. XXXX XXXX XXXX stated that they would delete the collection from all 3 credit bureau reports. However, Im showing that this account has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
A collection from XXXX XXXX XXXX was added to my credit report around XX/XX/2019. On XX/XX/2019 I filed a complaint with the CFPB stating that the account was illegal, null, void and not collectible. XXXX XXXX XXXX stated that they would delete the collection from all 3 credit bureau reports. However, Im showing that this account has not been deleted.

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 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mel S. Harris and Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2018I had outpatient XXXX at XXXX XXXX Medical Center XXXX XXXX XXXX, in XXXX, FL. Prior to the XXXX the outpatient XXXX nurse at XXXX had contacted my physician, XXXX XXXX XXXX, MD, in XXXX XXXX, Fl and given him a list of pre-op laboratory tests that were required to be completed prior to the procedure. This list omitted the PT and PTT tests. These tests could have been done by the lab that did my other tests, at little or no expense to me, but because they were omitted by XXXX 's nurse, the hospital did them as a " stat '' test immediately prior to the outpatient procedure. Neither the procedure or the tests are considered to be for an " emergent '' situation for the following reasons : 1. this was an outpatient test and the diagnosis did not warrant admission to the hospital. 2. The physician that performed the XXXX XXXX  at XXXX did not deem the test as " stat '' or emergent as his office scheduled the test 3 weeks after the referral to his office was submitted by my consulting spine surgeon. 3. the diagnosis of possible XXXX  XXXX is by definition a chronic, not acute, condition. 
I was not given the opportunity to have my lab perform the tests because outpatient intake nurse said she would " take care of it ''. The procedure could have been rescheduled for another time but this option was not presented. Instead my blood was drawn and the tests done and the charge that was submitted was for a " stat '' procedure.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Well Fargo Business Credit Card has a due date on the card of XX/XX/XXXX but had a closing date XX/XX/XXXX. I made a payment XX/XX/XXXX, and they applied to previous statement due to closing date from previous billing cycle being after due date for next billing cycle, and next statement showed I was late with a late fee. I complained and they waived the late charge, but they put up my interest rate up from 15.99 to 29 %. I called and complained when my interest rate was increased. They understood that it was not late when reviewing it, but stated they could not do anything over the phone. They sent me a form to fill out. I did, and sent it certified. I called them and they stated they never received it. However, despite stating they never received it, they sent a response stating they could not put my interest rate down due to me being " late '' on my payment. I talked to my bank and called back, but they told me I would have to fill out form again, but they had difficulty locating an " escalation member '' that could send me the form again. This happened again this year. I made a payment on XX/XX/XXXX which was the closing date for the previous billing cycle when due date was XX/XX/XXXX. They applied it to previous months payment and now it is showing I am late with a late fee. This is predatory toward businesses and unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America closed my credit card account with perfect on time payment history on XX/XX/XXXX without notice. I understand that banks can close any account for any reason, however, when I called to inquire about it, they told me it was a secret and I had to wait for a letter. When the letter arrived, it said it was due to my credit report. Which, normally I would understand, except that my report had not changed since the account 's inception ( I still have XXXX % on time payments on every credit account I've ever had ). So I made an appointment at my local Bank of America branch to discuss it. They told me they have nothing to do with credit accounts, only checking/savings accounts and told me to call the XXXX number. Multiple calls lead to no valid explanation and lies. All reps said they can not see any details to discuss it with me. One Bank of America rep said even though he didn't know why it was closed, he could request my account be reopened, after a few seconds, he told me that my account could not be reopened because the " terms of my old account were no longer available '' which turned out to be a lie, as I received a letter a few days after the call saying my account couldn't be reopened because I recently had an account revoked from Bank of America : well yeah, that's the account in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: VA

Complaint narrative:
I am submitting a complaint about not getting adequate help with reducing my payments to XXXX XXXX XXXX, loan # XXXX XXXX XXXX. My balance is almost {$300000.00} which I will never be able to repay. I can not make the {$720.00} loan payment they are asking for. Every year I call because the payment is too high and each year they put me on a Forbearance. They claim that I am at the lowest payment amount for my salary. They go by students gross salary and not their take home pay which is what should be calculated. They are not taking into account deductions that come out, a persons personal expenses to live. ( See enclosures ). 
I called XXXX XXXX XXXX on XX/XX/XXXX, and I spoke to XXXX, ID no. XXXX and she told me I can not switch to another payment plan as this is the only plan I can be on. I inquired about ungrouping my loans so that I can make payments to the lowest one and work my way up to the highest. She told me they dont do that. 
I do not want to continue getting forbearance as this is only prolonging my ability to retire. I am not trying to work until I die, but want to live out my senior years in retirement, not working for the rest of my life. 
I am writing to ask that you as my elected leaders, and The Department of Education change the laws so that once and for all students in debt be able to repay their loans without the hassle of trying to make a payment they truly can not afford to pay. 
Enclosed is copies of my expenses, my loan payment page with my balance, and scenarios of different payment options. Even if I sacrificed something in my budget it would not allow me to sustain basic living. I am however, willing to make a diligent effort to pay the {$420.00} payment I was paying when I started to repay in XXXX. I am also paying to support my daughter who has not been able to find employment since going to a school that has closed but the student loan company will not forgive her loans because she graduated. The school deceived my daughter in that she would be able to find suitable employment in her field of study. To date she has not so I am still financially taking care of her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
I have been trying to negotiate a debt settlement with my original credit card company ( First National Bank of Omaha ). In the midst of this negotiation, I received a notice from that  original credit card company stating they sold my debt to a specific debt collection company ( XXXX XXXX XXXX XXXX XXXX ) and that company was prohibited from reselling my account to an entity other than to an affiliated entity without the approval of the original creditor. 

I sent a negotiation letter to that debt collection company as soon as I received the letter from the original creditor. Soon after, I started getting collection phone calls from a different company to my place of employment. I then received a notice in the mail from that different company ( XXXX XXXX XXXX ), telling me that I need to send payment to XXXX. I sent them a verification letter on XX/XX/XXXX/2019. To date ( XX/XX/XXXX/19 ), I have only received copies of my credit card statements and a notice stating that XXXX was permitted in the State of Massachusetts. However, I do not, nor ever received, a letter stating that they are authorized by the original creditor to collect the debt. The 2nd debt collector has bad marks about their unsavory debt collection practices and I don't trust them. The 30 day period is over for giving me this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXXXX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXXXX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I become a student in XXXX XXXX  XXXX with University XXXX XXXX obtaining an Associates Degree. Each semester I believe they were overcharging the amount the school needed for my Pell Grants and Federal Subsidized and Unsubsidized loans. This was my first time ever going to a college and I never understood why they needed so much money when my two courses where under XXXX XXXX dollars and the school was asking for over XXXX XXXX dollars. I attended at University XXXXXXXX XXXX from XXXX of XXXX until XXXX and withdrew from the school because I felt I had more options at a different college in terms of the degree I was seeking during this time. I completed all of my courses from beginning to the last course before I withdrew from the school, then the University XXXX XXXX told me I broke their contract and would need to pay an additional XXXX XXXX dollars for a course I never even took. I satisfied paying this debt to the University XXXX XXXX in XXXX. Since learning about the University XXXX XXXX and how they have handled funding I would like to put forth a complaint regarding this matter. 

According to the DOE an article released states, " In the lawsuit, we found out that the University XXXX XXXX has been accused of submitting false information about its student aid statistics to the Federal Government, which allowed the school to qualify for additional federal funding that it never should have been able to receive ''. On Thursday, XX/XX/XXXX the Department of Education announced they will begin issuing Borrowers Defense to Repayment Discharges for up to {>= $1,000,000} in contested student loans. This is in direct response to a Federal Judges ruling that XXXX XXXX needed to terminate all delays in the BDAR approvals process.Odds are very good that University XXXX XXXX loans will be included in this wave of approvals, and DOE promised to start emailing borrowers on Friday XX/XX/XXXX to alert them that their debts from the cancelled loans would be eliminated within 30 to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am having a very big issue with information reporting on my credit file that is NOT MINE. I have disputed it with all three bureaus and every time I do they add more accounts that are not mine. I realize I have a very common name but they are not validating with these creditors properly. I don't know where else to turn. The are showing medical bills to places I have never been, times I know for a fact that didn't even have medical services. These companies are saying certified THEY ARE NOT MINE!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I paid my full balance for my discover credit card on XX/XX/2019 and it's still not updated and called them multiple times and still nothing and it adversely impacting my credit score. I would like my account updated to a XXXX balance ASAP and any late payments removed because this account was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
Payday loan from XX/XX/2016 ... My mother and fiance received repeated calls the past few days with a company threatened legal actions against me So I called the company and talked to a lady she acted like she didn't want to give the company name and I said why when I received this call a year ago and they said they were filing a civil case I never was sued and she said because I said I wasn't gon na pay so if I said I wasn't gon na pay wouldn't that be a reason to file the civil case? So I told them they better not and harass my mom anymore ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with 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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I open account with Capital One I made a payment never was I told or on their website does it show that they're going to keep my money for 6 days I didn't receive an email stating they will be taking my money I didn't receive notice that when I paid my money they were going to keep it for 6 days 6 days is too much for me not to have {$2800.00} it shouldn't be but one or two business days along with the email stating me they were holding my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX XXXX XXXX  are attempting to collect a debt. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. This has never been provided nor was I sent a letter prior to this account being placed on my credit report. 
When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. 
This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. 
XXXX can not provide any information to me, I have never been seen by a physician or doctor that they are attempting to collect on a debt from 2013. 
This needs to be removed from my credit file immediately.

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