vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I've submitted several disputes with XXXX and XXXX  directly, but nothing is being resolved. I am disputing the {$1700.00} collection account on my XXXX  report, because I do not owe {$1700.00} to Transworld Systems Inc, which is the collections agency trying to collect this debt. The original bill was for {$1700.00} and {$1500.00} was covered by my insurance bill, leaving {$240.00} remaining due to the original medical provider. XXXX XXXX XXXX, Transworld INC and XXXX are falsely reporting and trying to collect a wrong debt not owed. Every time I have disputed this, all I receive is an email or a letter from Equifax stating that they have verified that the debt is mine and has remained on my credit report. I do not owe {$1700.00} and I have provided proof attached to this formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: OH

Complaint narrative:
I went to XXXX XXXX College in XXXX XXXX Ohio in 1994. I was told by the school my grants covered my school. After i graduated I started receiving bills for XXXX. I have fought this tooth and nail, and because I was young back then i gave up on the fight because it was stressful fighting these collection agencies. After being refused credit for years i decided to call the XXXX XXXX XXXX XXXX company and ask for a copy of promissory notes totaling the XXXX, and what i received in the mail is a blacked out piece of paper that was ineligible to read, that said " sorry best copy we have '' It stated a loan for what looks like {$3500.00}, and someone had written my social security number on a piece of paper and taped it to the top of the copy. I immediately contacted them and said this is not sufficient and I do not owe XXXX and i want it removed from my credit report. They then sold the collection numerous times to so many collection agencies that now it is duplicated on my credit report and says i now owe XXXX. This is an injustice of the reporting bureaus for not actually verifying or correcting the duplicates on my report, let alone saying I owe a loan i do not owe. 
I have recently contacted all 3 credit bureaus via certified letters for each student loan collection account and duplicated collections. Each one said they verified I owe it and i know they did not verify it. I asked in the certified letter for signed documentation of the loans or please remove it from my credit report. They did not send me any signed documents and only updated each account saying it has been verified. Also another issue is, each collection agency has posted that i have been making payments on the account every few years in a blatant attempt to keep this on my report another 7 years. Im absolutely ready to file a lawsuit against each collection agency and the credit bureaus. They have ruined my credit for 25 years. I need help, this has been impossible to deal with due to selling the collection to so many agencies and none of them will remove it. Ive called them, only to be yelled at and told I need to make a payment. By the way each time i call a collection agency, they hurry up and sell it to someone else. This should be against the law, and probably is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: OH

Complaint narrative:
I went to XXXX XXXX College in XXXX XXXX Ohio in 1994. I was told by the school my grants covered my school. After i graduated I started receiving bills for XXXX. I have fought this tooth and nail, and because I was young back then i gave up on the fight because it was stressful fighting these collection agencies. After being refused credit for years i decided to call the XXXX XXXX XXXX XXXX company and ask for a copy of promissory notes totaling the XXXX, and what i received in the mail is a blacked out piece of paper that was ineligible to read, that said " sorry best copy we have '' It stated a loan for what looks like {$3500.00}, and someone had written my social security number on a piece of paper and taped it to the top of the copy. I immediately contacted them and said this is not sufficient and I do not owe XXXX and i want it removed from my credit report. They then sold the collection numerous times to so many collection agencies that now it is duplicated on my credit report and says i now owe XXXX. This is an injustice of the reporting bureaus for not actually verifying or correcting the duplicates on my report, let alone saying I owe a loan i do not owe. 
I have recently contacted all 3 credit bureaus via certified letters for each student loan collection account and duplicated collections. Each one said they verified I owe it and i know they did not verify it. I asked in the certified letter for signed documentation of the loans or please remove it from my credit report. They did not send me any signed documents and only updated each account saying it has been verified. Also another issue is, each collection agency has posted that i have been making payments on the account every few years in a blatant attempt to keep this on my report another 7 years. Im absolutely ready to file a lawsuit against each collection agency and the credit bureaus. They have ruined my credit for 25 years. I need help, this has been impossible to deal with due to selling the collection to so many agencies and none of them will remove it. Ive called them, only to be yelled at and told I need to make a payment. By the way each time i call a collection agency, they hurry up and sell it to someone else. This should be against the law, and probably is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I went to XXXX XXXX College in XXXX XXXX Ohio in 1994. I was told by the school my grants covered my school. After i graduated I started receiving bills for XXXX. I have fought this tooth and nail, and because I was young back then i gave up on the fight because it was stressful fighting these collection agencies. After being refused credit for years i decided to call the XXXX XXXX XXXX XXXX company and ask for a copy of promissory notes totaling the XXXX, and what i received in the mail is a blacked out piece of paper that was ineligible to read, that said " sorry best copy we have '' It stated a loan for what looks like {$3500.00}, and someone had written my social security number on a piece of paper and taped it to the top of the copy. I immediately contacted them and said this is not sufficient and I do not owe XXXX and i want it removed from my credit report. They then sold the collection numerous times to so many collection agencies that now it is duplicated on my credit report and says i now owe XXXX. This is an injustice of the reporting bureaus for not actually verifying or correcting the duplicates on my report, let alone saying I owe a loan i do not owe. 
I have recently contacted all 3 credit bureaus via certified letters for each student loan collection account and duplicated collections. Each one said they verified I owe it and i know they did not verify it. I asked in the certified letter for signed documentation of the loans or please remove it from my credit report. They did not send me any signed documents and only updated each account saying it has been verified. Also another issue is, each collection agency has posted that i have been making payments on the account every few years in a blatant attempt to keep this on my report another 7 years. Im absolutely ready to file a lawsuit against each collection agency and the credit bureaus. They have ruined my credit for 25 years. I need help, this has been impossible to deal with due to selling the collection to so many agencies and none of them will remove it. Ive called them, only to be yelled at and told I need to make a payment. By the way each time i call a collection agency, they hurry up and sell it to someone else. This should be against the law, and probably is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: UT

Complaint narrative:
I was informed in XX/XX/2015 that I owed {$420.00} to XXXX XXXX for some testing they had done at the request of my physician back in XX/XX/2015. I called them and set up a payment plan where I needed to pay {$55.00} a month. I paid {$55.00} on XX/XX/2015, {$200.00} on XX/XX/2015, {$100.00} on XX/XX/2015 and the final payment {$71.00} on XX/XX/2015. I reviewed my credit history recently and found that they are saying I still owe {$40.00} and they sent that amount to a collections agency to collect on. This was not brought to my attention and is inaccurate, as I paid the full amount due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Creditor American Express is already aware and have coded account ending in XXXX for my deceased mother located at : XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Specifically, authorized user : XXXX XXXX ( daughter ) card XXXX XXXX XXXX, should no longer be reported to credit agencies : XXXX  , XXXX or XXXX or any other credit reporting repositories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Please see closed CFPB complaint XXXX-XXXX  wherein Chase has patently lied to the CFPB claiming that they have responded to me. They 100 % have not. What they have done is have someone call me twice *presumably* regarding this complaint. Why do I say presumably? Because the caller refuses to tell me that they're calling about this complaint. 

In point of fact, in both cases, the caller refused to discuss the problem *at all* with me claiming that they " can't validate me. '' In further evidence that the problem is not resolved, my business banker, XXXX XXXX ( XXXX ), is supposedly on a phone call tomorrow with a VP in the Chase Fraud department to again attempt to resolve this. My understanding is that Chase Fraud 's position to my banker is that they are still " awaiting return of funds from the vendor. '' I'd point out that it's no surprise they're waiting as last I knew, " the vendor '' was in jail on both XXXX 's warrant related to this fraud and the separate {$800000.00} warrant from his prior employer. 

I'd further point out that Chase had the money twice and chose to return it to " the vendor '' despite having foreknowledge that there was a pending criminal complaint for the issue at hand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Navient/Sallie Mae would not allow me to apply payments above the monthly amount due to higher interest loans and instead applied anything over and above the amount due to the loan with the lowest interest rate. This finally stopped last year, but had been going on for twelve years prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/18, I received an email stating I had reached the spending requirement to receive XXXX membership rewards points for my account ending in XXXX ( now XXXX ... due to American Express ' lack of customer service, in order to get a simple card replacement for a damaged card, I had to change the account number and didn't even receive the card when promised ). I contacted customer service via chat on XX/XX/18, who advised me that the offer was not on my account and no record of it or the email exists. To ensure there is no question as to the legitimacy of my concern, I have attached the email in both pdf and email format, and ask that American Express kindly fulfill the promise of the email without delay or hesitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
AFTER SEVERAL INVESTIGATIONS, EXPERIAN CONTINUES TO REPORT & REFUSE TO DELETE INACCURATE INFORMATION 15 U.S. Code 1681i - Procedure in case of disputed accuracy requires, ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if AFTER AN RE-INVESTIGATION under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material  On XX/XX/XXXX, a response from XXXX  ( XXXX XXXX ) for XXXX Smart Connect - Account # ending in XXXX - CFPB Case # XXXX-XXXX states in their response that " On XX/XX/XXXX, the above account was " charged-off '' and sold to " XXXX XXXX XXXX '' on XX/XX/XXXX. On my credit report, XXXX XXXX - Acct # XXXX is the debt buyer being reported for XXXX SMART CONNECT account on my credit file -- NOT XXXX XXXX XXXX. Based upon the response from the " original creditor, '' the information being reported under the name of XXXX XXXX is NOT my account and should, therefore, be DELETED. This matter has been repeatedly reinvestigated since XX/XX/XXXX until NOW and has caused substantial harm to my credit rating. I DO NOT WISH FOR ANY MODIFICATON AT THIS POINT. Clearly based upon the documentation by the original creditor IT IS ERRONEOUS. I WOULD LIKE IT DELETED IN ITS ENTIRETY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As a preface to my complaint, I must clarify that I had entered into a 12-month mortgage payment deferment program with my mortgage holder, Wells Fargo Bank. My mortgage payment deferment plan was in effect from XX/XX/XXXX until XX/XX/XXXX. As of this month in XX/XX/XXXX, I am no longer in a deferment plan and I made my regular mortgage payment to Wells Fargo. 

This past XX/XX/XXXX, I received an email from XXXX XXXX in relation to a new credit notification. The notification was associated with a " Delinquent Account '' and the details from the notification state that it was from " Wells Fargo Home Mortgage ''. The status of the notification sates that the account is " 180 days past due '' and the amount of the delinquency is {$7400.00}. The credit bureau associated with this first notification was XXXX. I received a similar notification the next day, XX/XX/XXXX but the status of this notification was " 120 days past due ) and the reported balance was {$0.00} ; The bureau or source attached to this second notification was XXXX. 

On XX/XX/XXXX, I received another notification related to the first notification from XX/XX/XXXX, but it was now reported from the credit bureau XXXX and when I received notice of this third notification concerning my credit status, I received an email concerning an alert with my credit score, which had been reduced drastically by 134 points. My current credit score as of this writing is XXXX and before all of this it was XXXX. The status date of this third notification was XX/XX/XXXX ( I will attach a XXXX XXXX   document with screenshots of the specific details of these notifications taken directly from XXXX ) I believe this to be a mistake on Wells Fargo 's part since I was in a formal 12-month Mortgage deferment program with them. I remained in accordance all through XX/XX/XXXX - XX/XX/XXXX related to the requirements and conditions outlined in the deferment program and I was not in violation of any of the terms and conditions of the deferment plan. I should not have been penalized and should not have had this agreement with Wells Fargo show up as a delinquency on my credit history and my credit score should not have been negatively affected. 

I have asked my assigned Mortgage Consultant with Wells Fargo about this issue and I have not received a satisfactory explanation regarding this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
XXXX from XXXX XXXX XXXX based out of XXXX MI attempted to collect {$71.00} from what she said was money owed from XXXX XXXX XXXX dates included were XX/XX/2014 for {$21.00} ,XX/XX/2014 for {$25.00}, and XX/XX/2014 {$25.00}. 

I have contacted XXXX hospital financial Dept, XXXX XXXX XXXX, and XXXX health which is the company owns XXXX. All explained to me that I did not have any outstanding balances and reported to me that I do not have any debt in collections from them. 

I strongly feel this is a scam and needs further investigation to avoid others who may be victimized from this scam. 

If you have any further questions or concerns please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For the past two years, I have been trying to get items that do not belong to me removed off of my XXXX and Experian credit reports. With Experian, in order to dispute items on my report, I have to go through the process of contacting their customer service center in order to get rid of items that do not belong to me, but when the results come back, these items most times would never disappear, and it they do disappear, they would reappear within a month or so. With XXXX, I would have to dispute the items that do not belong to me through XXXX XXXX, but recently, when I choose to dispute these items, I am rerouted to XXXX 's website, where they ask for my personal information. Once I enter in the personal information, then I'm asked a series of questions that pertain to accounts that I may or may not have. Once those questions are answered, the window would state that XXXX  is unable to process my request at this time, and I'm unable to check previous dispute results because of the same reason. XXXX and Experian are making my life a living XXXX with keeping items on my credit reports that are not mine as well as OLD items ( 10 years old or older ) on my credit reports that are not mine. On the Experian report, there's an item that does not belong to me that appears TWICE on the report. I need for these items that do not belong to me to be removed once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Long story short, XXXX, bank was hacked. Did what I read to do. 2 1 $ transactions already went through. Card was Blocked XX/XX/XXXX I believe, was told I would get card 2-3 business days, Therefore I took out enough for them days. The 2-3 days  came and went, I needed money for myself and my 2 dogs ; There were no Capital One bank near me. So after that I called to say I didnt receive my card. So XXXX had to re order, i cryed torrent I have no-money and Im starving along with my dogs. ; bills were still able to be paid still ) XXXX said if I want card sooner it will be {$25.00}!!! I arqued but was out of my hands. The next day I checked my balance and there were 2 charges for Fed X expidite card charges : TWO. So every day Im calling, 2 mgrs said I should not have been charged at all, and {$50.00} should be refunded in 2-3 days. By this time I have talked to 5 people and 3 mgrs total. It is XX/XX/2018 still nothing. So now I have to pay my daughter back XXXX Im on Social Security XXXX, and I have been totally disregarded! 
Sent from XXXX

Company response to consumer: Closed with explanation