vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I pulled my three major credit reports, and I noticed there were a number of medical collections being reported by Commonwealth Financial. They are from 4 to 5 years ago, but only began reporting at the end of XXXX. I never knew these collections existed before seeing them on my reports. I have disputed them with the various bureaus, but they arent all deleted. Some, Commonwealth Financial reported back as verified as being accurate. Ive looked into it and see that Commonwealth Financial isnt even a legitimately licensed collection company. According to the clerk at the Florida Office of Financial Regulation, she said that Commonwealth 's license to collect debt in Florida was revoked in XXXX. Im not sure if this has something to do with why Im seeing collections that Im not sure even exist, or what is happening. But I dont understand they can verify debts they arent even licensed to collect on. And if they cant collect, how are they supposed to inform me of it so I can properly get it taken care of before it ruins my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My XX/XX/XXXX house payment went up {$900.00} without my prior knowledge. Literally the day before I was set to make the payment, XX/XX/XXXX, my husband got an automated call about the account, although, nothing specific was stated. 5 days after the payment is technically due. Turns out the escrow account was empty because Nationstar gave us back the money in the escrow account and lowered the payment by {$400.00} one year ago. After doing their escrow analysis in XX/XX/XXXX,  which was n't much of an analysis, considering we had lived in the house 9 months, they did n't take into account the fact that it was a new purchase and the taxes were going to increase. I had already paid the supplemental tax in XX/XX/XXXX of over {$4000.00}. If I had any clue that it was a mistake I would have called but I thought that perhaps they had collected too much when we closed our loan in XX/XX/XXXX because so much money is taken from you, honestly. Nationstar ended up paying the increased taxes ( {$5900.00} split ) in XX/XX/XXXX and XX/XX/XXXX but did n't tell me that the escrow account was severely depleted. Now I have to borrow the money to replenish that escrow account otherwise the new payment would be a burden. Any time they could have told me. I realize I could have looked at the statements but everything is done online and it 's very user friendly, very simple to pay without looking at the statement. I had no reason to believe I needed to double check anything. No one called, no one emailed, there were no alerts on the account. Also when I spoke to them over a week ago they told me they were going to send it to an escrow research dept. I just spoke with them and there 's no record of that. What kind of way to do business is this? I did n't know, but they should have known and could have been, at the very least, courteous enough to let us know, instead of dropping it on us like a XXXX. Badly done Nationstar or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I requested my free annual credit report online. I was denied stating it needed to be done via mail. I printed, completed, and sent the requested form along with my ID and proof of residence as requested. I received a letter back stating I was not entitled to receive a free credit report because I had already received one, which is not true or accurate. I requested my report from all three credit bureaus at the same time and date, only one of which complied with this request and gave me my free report  online. I go through this with this credit reporting agency every year and I believe it is because I write several complaints asking them to correct my credit report because they have a very regular habit of reporting inaccurately.

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 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
To whom it may concern : This issue is in regards to 3 different accounts. I have one credit card account that is showing up on my credit report, of which I disputed and asked for verification. I sent two Certified  letters. One dated XX/XX/XXXX and one dated X/XX/16 directly to the credit card company to dispute this particular account that is reflecting on my credit. I then also disputed directly with all three of the credit bureaus through a letter sent X/XX/16 since I did n't receive a proper response based on the reporting guidelines. I have two additional accounts that are my mom 's that I am listed on as an auth user. In response to my letters, these trade lines were taken off of my credit, and the one in question still remains, and then started to report monthly as being over limit. I have been working relentlessly through writing letters and calling to resolve the issue, but to no avail. My credit scores have since plummited and it is affecting my ability to obtain any kind of credit, and more importantly, close on a home. I am becoming very frustrated. Every time I call the company directly, there is a " report '' generated to look into the issue, but I 'm told it can take up to 90 days to resolve. Then when I call back to find out what the resolution is, it 's never resolved. It 's a constant run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: Benuck & Rainey, Inc.
State: WI

Complaint narrative:
I took out a business loan for some XXXX  equipment back in 2014. I unfortunately had to move the business to Wisconsin and the business failed. I kept making my monthly payments until some issues came up and I informed them I would be missing about four payments. Even though I informed them ahead of time, they chose to send my account to collections with Benuck and Rainey. For three years, I made my agreed upon payments, on time, bi-weekly, for the agreed to amount. I made every payment and made every payment on time. I attempted numerous times to get XXXX XXXX XXXX via Benuck and Rainey to settle for large amounts but they declined every attempt. I still kept making all my payments and making them on time and for the agreed to amount. I recently found on a credit report that even while I made all my payments and made them on time, XXXX XXXX  was reporting to the credit agencies both delinquent and non-pay every month with NO NOTIFICATION TO ME and while still taking my payments and denying all my settlement offers. I now have paid 7 times what the equipment was originally worth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
CBE GROUP FOR XXXX PLACED A FALSE COLLECTION IN MY CREDIT FILE. NEVER HAD A ACCOUNT WITH XXXX NOR DID BUSINESS WITH XXXX. PLEASE REMOVE THIS DISPUTED INFORMATION IMMEDIATELY! THIS IS INDEED FRAUD.

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 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, 2017, at XXXX XXXX Pacific Time, I called customer service to ask about disappearing charges. Customer service would not transfer to a supervisor, said I was wrong, interrupted me, and put me on hold.

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 2017-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: KS

Complaint narrative:
i got title loan on my XXXX XXXX XXXX, valued at XXXX for XXXX/XXXX! from the jump i had problems with the almost XXXX XXXX payment but i tried! the first time i had a check for XXXX mailed, thats when i learned they dont take checks! then i tried to bring in XXXX cash and expained i had to wait for the rest of the cash from the check! thats when they stated they did not take partial payments! at this point im behind and can never catch up cause they dont take partial payments. so the van got repo and im not fighting it! my problem is i owe more with them having my car then where i started! my van was valued at XXXX and they only sold it for XXXX XXXX leaving me a balance of XXXX.. which mean i just gave them my car and owe more for the car!!! thats some bull ... and doesnt even make sense or like they was really trying 2 recover this money cause they knew they would continue to collect from me! they could have let me keep my van if selling it was going to keep me in debt!

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 2017-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XXXX XXXX, 2017 I sent a certified letter to XXXX, TransUnion, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.

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 2017-07-24 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: AR

Complaint narrative:
On XXXX XXXX, 2017 I sent a certified letter to XXXX, XXXX, and Equifax on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX I received a bill for {$190.00} for ER services. Since I had not too long moved to XXXX NC I assumed it was my local and nearest hospital and they had sent the bill in error. I then went to the billing department at the hospital and they told me they did not have me as receiving services on that date. In addition, that I was not even registered as a patient in their system. A few months later, I received a letter from SCA collection agency in XXXX NC, stating that I owe the same amount {$190.00}. I discussed it with the rep and told them that I did not owe that money and that I do n't know who could be charging me that being that the hospital does not have me in their system as receiving services. That is because I never went to the hospital on the date they 're claiming that I received services XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). Early this year while checking my credit report I realized that SCA was negatively reporting on my credit and is the only negative mark on my credit report. Little did I know, they had already been reporting for some time. Which brought my credit score down. Sometime in XX/XX/XXXX or early XX/XX/XXXX or XX/XX/XXXX, I called SCA. I spoke to a Rep and shared my findings, in regards to the hospital not having me as receiving services in the ER or anywhere else on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). I then went ahead and filled out a dispute form on SCA 's website. In general, I stated that this was not my bill, to validate or immediately remove from my credit report. I received no response. To be 100 % sure that this bill did not miraculously pop up in the hospital computer system, I went back and spoke to billing XX/XX/XXXX. A woman in the billing dept said the hospital which is XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX ), does not use SCA for their collection services. Further more, she reiterated that they did not have me in the system as receiving services on that day XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). She also said it could have been an ER Dr billing me, but since there 's no evidence of me receiving ER services on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ), it could not be possible. The collection agency Rep was not helpful at all and they are still reporting. To make it clear, I know that I did not go to the hospital or ER for any services on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). The hospital does not have any record of me receiving services on XX/XX/XXXXorXX/XX/XXXX( bill not clear ). However, there is a bill in collections stating that I owe XXXX XXXX XXXX XXXX for services received on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). and I have not received any services from anyone that deals with SCA. SCA is reporting fraudulently on my credit and refuses to validate or remove. Please help.

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 2017-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On last week, I contacted Synchrony Bank, for my XXXX XXXX XXXX card. My recent statement jumped from a minimum payment of {$370.00} to {$580.00}, of which I was alarmed. I contacted Synchrony Bank and talked with the customer service representative and the supervisor to see if they could get my payments lowered, adjust the interest rate or keep the payments where they were around {$400.00}. They told me no. I contacted them again today XXXX, and they told me no. I told them I would report this to the Fair Credit and CFPB. The interest rate they quoted me is {$29.00}. Almost 30 %, which is outrageous and they said there is no negotiability. I asked if I could n't make the monthly payment, then what happens and they said I 'll be paying late fees and a much higher monthly payment. Something must be negotiated here. I am struggling month to month, I am able to negotiate other cards and even student loans but not this card. I make my monthly payments on-time and I feel like I am being penalized, I have suffered a death and I am just overwhelmed in grief and financial responsibilities that go along with it. If you could help me in any way to get the payment lowered or lower the interest rate I would appreciate it. Thank you for your time. Sincerely, XXXX XXXX email : 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 monetary relief
Consumer complaint received 2017-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had funds being transferred from XXXX to XXXX to a chase checking and some of the money was not accounted for ... I originally filled a complaint with the OCC and they in turn handed it over to the FBI finance division who apparently sent me a letter to an address I do not live at and it was returned. Now with out the special file number on the letter I can not get the information. I called the FBI who gave me the finance divisions number who in turn said no information with out the number on the letter. I asked them to resend the letter and they said no go without the file number in this letter. What to do? Need I say more! So how do I find out if chase was responsible for the account errors? This was in 2012 Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX This complaint is about fraud and it involves XXXX XXXX XXXX XXXX XXXX, a school for profit I attended in XX/XX/XXXX and XX/XX/XXXX. While attending XXXX XXXX XXXX XXXX XXXX, I was assigned an XXXX at XXXX XXXX XXXX XXXX as a means to start working on my thesis. XXXX is involved in grassroots activities trying to help steer its youngsters into ethos of social productivity. XXXX is located in XXXX, XXXX one of XXXX XXXX XXXX 5 boroughs whose residents are mostly minorities ; it is a very tough neighborhood reknown for its deadly violence due to a large influx of XXXX XXXX or XXXX. I, for days to come, along with my colleagues, were instructed to saturate the XXXX neighborhoods with leaflets as a means to attract a large turnout for XXXX annual message of non-violence during the summer. I was served last year with legal papers and every time I showed up in Court, the other side had a problem with lawyering up for the case, at least 4 or 5 times. Finally, on XX/XX/XXXX, Counsel for  XXXX offered to drop charges against me if I would drop charges against them, I refused. My attitude was such because XXXX XXXX has almost {$30000.00} of my students loans in their coffers and I have nothing to show for it. The judge rescheduled the hearing for XX/XX/XXXX. I received an invitation letter in early XX/XX/XXXX for a Court date, I called the District Court to complain about two calendar days and the associate reminded me that my Court appearance was for XX/XX/XXXX. Then the judge and XXXX decided to have their motion behind my back. I do not have a diploma ( degree ) for my studies because XXXX never replaced XXXX with another XXXX. In XX/XX/XXXX,  XXXX through their legal counsel served me with legal papers claiming that I have an overdue balance of {$7800.00} I countersued XXXX for {$30000.00} a sum close enough to the amount spent for my studies at XXXX. Further, the Plaintiff provided a set of Exhibit boguses from page 3 to 5 in which it failed to show why Defendant never graduated. On the Defendants second year, XXXX tried but failed to get its GED program rolling which was the centerpiece of the Defendants thesis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion continues to take pints away from my scores for no reason at all, last week they deducted XXXX points for no reason only to put XXXX points back on there, becaus eI have been leaning up my credit and my score has been increasing, if my points would have remained on there I would well be in the XXXX 's by now, but every time they know my score is about to increase they deduct for no reason, I have no missed payments, items removed off my typify and they are not Bro g fair, they are cheating me out of my points

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