vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
I received an alert on my XXXX account from the XXXX  and XXXX  Bureau stating that I had a collection in progress from the business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY. I was really concerned about this issue and I gave them a call on XX/XX/XXXX, XXXX. I explained to them that I never received any prior billing or statement from them, that this debt was new to me. The person I spoke to, took my information, name, address, phone number. ( I have her name for future reference. ) She asked me about receiving any notice and I told her no, that the only reason I knew about this matter was that I was notified by my XXXX account for my credit report. She explained to me that it was from the XXXX XXXX office XXXX XXXX sent to XXXX XXXX XXXX for the amount of {$340.00}, for a lab test done on XX/XX/XXXX. Apparently, the insurance was charged but the member information was inaccurate. I told her my insurance has always paid for my lab test. The lady asked me for my Insurance Id number, I gave it to her, and she explained that XXXX XXXX XXXX had a wrong digit number, that this was causing the insurance not to pay for my XXXX XXXX. She asked me to contact her in two weeks to get an update on this case, that she was going to contact the lab. ( I believe two weeks is too long, my credit is going to be affected by this and I am planning to buy a house. ) After that I called XXXX ( Doctor Office ) and informed them of what was going on, the lady said to give them a week to investigate this matter. On XX/XX/XXXX, I called the XXXX XXXX XXXX at this number ( XXXX ) XXXX, they are affiliated with XXXX XXXX, they gave me another number to connect to them directly at ( XXXX ) XXXX. I was able to speak to a lady that I also have her name, she asked me if I never received a bill from them, I stated no. She asked me for my information name, address, phone number. I asked her to give me Information about my account since I never received any bill I didn't have any account number. She said she couldn't provide me with anything because she was not able to retrieve anything from her system. I explained the situation, but she couldn't see my Insurance Id number. She asked me to take a picture of my insurance card front and back and to send it to the email she provided me with. When I tried to forward the email, it was returned as a failure because the domain email does not exist. After several attempts, I try to reach XXXX XXXX XXXX again but their voice mail keeps saying ( Due to unforeseen circumstances we are unable to answer your call right now, please leave a message. ) I would like to know what should be my next step, I don't want this to stay on my credit report since it was not my fault. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Group has made a decision to end its business relation with companies that engage in the manufacture, and or distribution of firearms and or firearm components that Citi Group has arbitrarily decided do not serve a legitimate public interest. As a client of said company and a tax payer, my resources are used to support Citi Group entities through FDIC and other safeguards where public and private money is used to benefit the interests of Citi Group. Citi Group, as a business entity which is the benefactor of public resources, should not be attempting to implement public policy. It should not engage in the practice of strong arming clients who are engaged in lawful, and Constitutionally protected commerce.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2018, I went on chase.com website to find a credit card that suits my needs. I was interested in Chase sapphire card. They offered 2 options that day, sapphire reserved for XXXX bonus miles with {$450.00} annual fee and sapphire preferred with XXXX bonus miles after spending XXXX in the first 3 months with a {$95.00} annual. I didn't want to pay {$450.00} annual fee, so I chose the XXXX bonus card. I took a screenshot of the offer and took a screenshot of all the benefits of that card, so I'll have it on my phone for easy reference. I clicked apply now and got approved right away. 10 days later I got the card, {$95.00} annual fee was charged and everything looked good until I start reading posts on social media on how Chase was robbing people and either not giving them the promised bonus or charging them an annual fee when the fee was waived for the first year. I sent a secure message to Chase asking to confirm my offer and sure thing, I was given an offer, but not the one I applied for. They gave me XXXX with annual fee NOT waived for the first year. So they took away my extra XXXX bonus miles. I emailed them the screenshots, I escalated to the marketing department, but they said that the offers constantly changing and that I probably clicked on something else. Basically called me stupid in the nice way. I posted my concern on social media and so many people were in the same boat with me. Some applied for XXXX with annual fee waived for the first year, and they were charged the fee, some applied for the same XXXX offer and got XXXX like I did. And none of us can prove anything. Apparently the mistake happened in the last few weeks, but Chase doesn't want to admit that and correct it, unless they do it on purpose, luring people in. I was watching the offers for a few weeks before getting a new credit card. I wanted a better deal, so when that great offer became available I applied. I didn't want any other offers and Cause couldn't explain to me why they gave me what they gave me, they just said the offers are constantly changing and I get that. But I'm sure they change daily and not by the minute. If I click on XXXX offer, it should register in their system right away and lock me in instead of changing my offer. That's just wrong and unacceptable. This is my first time having business with them and probably my last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
Had a medical bill of {$730.00} from XXXX XXXX hospital in  XXXX, Ga. The bill was sent to collections mid XX/XX/XXXX. The collection agency is called State Collection Service in XXXX Wisconsin. 
I paid off the {$730.00} in XX/XX/XXXX with my HSA. I have the proof in my statements. For some reason, in XX/XX/XXXX, after the bill was already paid in full, XXXX XXXX hospital sent the bill to a SECOND collection agency ( called XXXX XXXX XXXX XXXX. In XXXX, FL. ). This is now on my credit report, negatively affecting my credit, dropping my score quickly. 
I've made numerous calls between the hospital and the collection agency, and no one will listen to me. State Collection Service told me they show where I paid the bill XX/XX/XXXX, but that it's the hospital 's responsibility to fix it, not theirs. XXXX XXXX says they show no record of the bill being paid. They say the Collecting agency needs to report to them that the bill was paid. One keeps sending me back to the other and neither will listen or help. 
While all of this is happening, my credit score continues to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: FL

Complaint narrative:
To whom it may concern, I reveiced a copy of my XXXX and XXXX  report and notice that XXXX Is still associated on my credit report, Attached is proof that this account has been deleted from my XXXX  and XXXX. And no longer reports as valid. I've sent several letter to Equifax and ftc report To have this account removed, because it don't belong to me. I've also sent follow suit letter to Equifax. The account still still shows inaccurate. With this account on my profile its not showing my true credit history. I contacted Equifax countless of times. To have this account removed. I've attached my credit report to show where XXXX and XXXX removed the account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX after speaking with several customer service reps with this company continues to do damage to my credit report by reporting incorrect info. XXXX  shows this account closed in XX/XX/XXXX this account closed in XX/XX/XXXX and was a paid charge off in XX/XX/XXXX. This caused a major 50 point drop in my credit score which I am working very hard to repair. In good faith I paid this account off, and they continue to be inaccurate with reporting, as well as incorrectly re aging this account causing a significant score drop while I'm attempting to obtain a mortgage. I remain very disappointed with this company 's handling of this account. They have not been very helpful at all with any of my requests, and I intend to take this situation further if they can not report accounts accurately to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: DISCOVER BANK
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern, I am responding to my account with XXXX credit card. During XX/XX/XXXX, while in XXXX, I applied for a credit card with XXXX credit. Due to my parents lost their jobs, with mounting XXXX debts, I had to discontinue my XXXX XXXX at XXXX XXXX University. I saw a military advertisement, if you enlist in the XXXX, they will pay all my college debts and give a bonus after you finish training. 

After two and one-half years in the military, I found out this was a fraud and a lie, by our government. To maintain a good relationship with XXXX XXXX, on XX/XX/XXXX, I sent a certified letter to Discover asking for a hardship payment plan for the {$550.00} balance on my credit card. Discover closed my account and continue to inflate my balance to {$1000.00} after making several payments. 

Discover never responded to my requested letter, while continuing to inflate my bill and running my credit. I am asking your help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: CITIBANK, N.A.
State: SD

Complaint narrative:
I am deeply concerned that XXXX XXXX XXXX and XXXX XXXX XXXX are implementing policies that run counter to laws and regulations passed by Congress, and they infringe and discriminate against my Second Amendment rights. 
This discriminatory behavior is unconstitutional and must stop. My decision to use a credit card in the purchase of legal firearms should not be blocked by a large corporation that disagrees with said purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
First, where is the form to report discriminatory practices generally? : Your form is designed to keep the real problems from being reported! In doing so, you are assisting the fascists banks you are supposed to protect us from. You cant tic tac toe everything! 

There is a disturbing trend with large U.S. banks most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. ( Ok, I paraphrased text from the XXXX ) However, this is a major problem and one I have already informed my congressman ( XXXX XXXX well see is he actually listens to his voice mail! ) It has always been important that banks and financial institutions be neutral turf, staying outside the political issues of the day. As important for these institutions to keep their activity legal, and not knowingly support criminal actions, it is more important that they do not BECOME legal authorities themselves. This approach was most effectively used by XXXX XXXX in the XXXX to align XXXX to his authority. And it went way beyond his attack on XXXX XXXX citizens. We must learn from his evil. 

This is even more important in the age of digital currency and electronic transfers. Our financial institutions have become, for better or worse, the circulatory system of our society. To cut anyone off from that system, no matter how extreme ( and lawful manufacture, transportation, sale and possession of firearm is in no way extreme! ) is to create a subclass in America. Believe me when I say that this fascist approach to social change will not end with the firearms debate. We already are seeing attacks on churches, business, clubs, and other organizations who do not fit into the correct social platform. This must end. This is what gives the XXXX rule of Think Progressive their unjust power. 

It is your job to enforce neutrality on our financial institutions, now matter how popular their actions may be with certain segments of society. Our true core values are at stake! 

Sincerely, XXXX XXXX XXXX XXXX, Illinois

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I recently checked my credit report and theres a collections that was added XX/XX/2018 in the amount of {$910.00}. It is from XXXX. I am not sure what this is about because I have always had insurance. And I had state insurance then which covers everything. 
If there was an out of pocket expense that should have been explained to me as far as why. I was told I had an XXXX XXXX and that it HAD TO be removed and now I get this bill. I have worked really hard to get my credit score up and I am extremely upset that this is now effecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Account number XXXX I spend of 25 hours writing letters and dispute forms on line with USAA regard the address on my account was incorrect until after my credit report was marked late 30 days past due. I have spend over 10 hours on phone calls with all their levels of management and customer services departments. one of their customer services rep with their ODOC code XXXX documented the account thoroughly with notes on my account date XX/XX/2018 after speaking with the financial institution 's back in executive team in witch has gone no wear. the representative made it clear that after further and detailed review she requested in her notes to remove the 30day mark from my credit report. The financial institution has no regard or department that handles credit reporting issues and should be looked into further. USAA account number is 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 2018-04-29 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: PA

Complaint narrative:
Account number XXXX I spend of 25 hours writing letters and dispute forms on line with XXXX regard the address on my account was incorrect until after my credit report was marked late 30 days past due. I have spend over 10 hours on phone calls with all their levels of management and customer services departments. one of their customer services rep with their ODOC code XXXX documented the account thoroughly with notes on my account date XX/XX/2018 after speaking with the financial institution 's back in executive team in witch has gone no wear. the representative made it clear that after further and detailed review she requested in her notes to remove the 30day mark from my credit report. The financial institution has no regard or department that handles credit reporting issues and should be looked into further. XXXX account number is 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 2018-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
On XX/XX/XXXX my mortgage was sold to Freedom Mortgage Company I made my first payment with them on XX/XX/XXXX. I begin receiving phones call from them indicating that they had not received my payment. I then contacted my bank, XXXX XXXX XXXX and they investigated and concluded Case ID : XXXX, that the payment had been received by them. Then in XX/XX/XXXX I made my second payment XX/XX/XXXX and found out that this company applied my XX/XX/XXXX payment to XX/XX/XXXX. Then they begin calling me for a XX/XX/XXXX payment, on XX/XX/XXXX I made a payment for XX/XX/XXXX and they have applied that payment to XX/XX/XXXX and now are calling for a XX/XX/XXXX payment. In XX/XX/XXXX I spoke to XXXX ID # XXXX @ XXXX who informed me that my XX/XX/XXXX payment was misapplied and that it was found and everything was straighten out apparently it's not and I'm continuously receiving calls for payments that I've already made. Once again my bank is involved and they can't understand what the issue is either considering that they have already provided an investigation into this matter, because once again they're saying that this all goes back to my XX/XX/XXXX payment that they didn't receive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I froze my credit file in XX/XX/XXXX with all 3 of the major credit reporting agencies when Equifax had a data breach.Both XXXX  and XXXX sent me a letter with a pin number to release the freeze, if necessary. Equifax did not. 

On XX/XX/XXXX, I sent a letter, along with identification, to Equifax requesting the pin number. They have not responded. 

Please get the Equifax to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: TX

Complaint narrative:
Per the attached correspondence, XXXX submitted a request to Equifax to remove the hard inquiry from XXXX XXXX dated XX/XX/2018. 

It has been more than 30 days since the request was submitted, but the hard inquiry is still showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Lendmark Financial Services
State: VA

Complaint narrative:
On XX/XX/XXXX, I called Lendmark Financial Services via phone, spoke to XXXX at the Credit Bureau Information desk. Lendmark was erroneously reporting information to all three credit bureaus that they did not receive payment for XX/XX/XXXX which I immediately disputed. I spoke to both the supervisor and XXXX at Lendmark, submitted supporting documentation that proved all payments to Lendmark were paid on time and my account was in good standing. I was assured by both XXXX and the supervisior that the error would get corrected with all three credit agencies. It is XX/XX/XXXX, XXXX is still reporting that I missed a payment. In fact, there was a third party vendor that was making payments on my behalf, my account was transferred to a different company. As a result of the transferred account, the XX/XX/XXXX payment was submitted to the wrong address, was corrected in late XX/XX/XXXX. Again, after explaining the details to both XXXX and the supervisor, I was again assured that the derogatory flag on my XXXX report as well as the other reporting agencies would get corrected. I have repeatedly reached out to XXXX several times to resolve this matter amicably, the matter has gone unresolved. Any assistance you can provide with regards to this matter, would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: HI

Complaint narrative:
The original creditor is from XXXX XXXX XXXX opened XX/XX/2017. They are attempting to collect {$110.00}. I have no knowledge of this account because I did not use this cable company during that time ( I had a XXXX XXXX ) I didnt even know about the debt until I looked at my credit report. I received no calls nor letters. I asked if I paid it ( even though its not mine ) would they delete it off my report and they declined. I do not appreciate this company tarnishing my credit and would like this to be removed as soon as possible. Thanks in advance

Company response to consumer: Closed with non-monetary relief