vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On    XXXX   XXXX  , 2017   , I sent a letter to A ccount Resolution Service  to send me information on collection accounts on my credit report for {$1200.00} and {$980.00}. They are on my credit report as medical accounts. I asked ARS to get me the doctors visit registration sheet copy for those  two  accounts. When I go to a doctor, they give me a sheet to fill out in which I write all my personal information and my insurance information. I requested a copy of the those documents because this will show them that I did provide insurance, therefore those accounts should not be in collection and should not be on my credit report. In response they sent me a letter on   XXXX   XXXX  ,  2017   , stating that they confirmed there 's an outstanding balance, however they did not send me the signed documents I requested. On   XXXX   XXXX  ,  2017 , I replied to them that their response is not a verification of debt and again I requested the medical office documents. As of today   XXXX /2017   , they have not replied. The letters ARS sent me is showing the creditor name "  XXXX   XXXX   XXXX   XXXX   XXXX  '' which I do n't know who they are, the letter does not show the Doctor 's name or address, just an invoice number and a balance. How can I investigate where this debt is coming from, if they are billing me without telling me which doctor 's the invoices belong to.

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 2017-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I pulled my Credit Report and found several things that were incorrect. I tried to solve these problems with the  collectors  to inform them this is not my debt. I have no knowledge of this debt. Please help me to solve this issue. The  collectors  are only interested in getting money and not actually getting down to helping individuals such as myself.

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 2017-07-18 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: Nelnet, Inc.
State: RI

Complaint narrative:
in  XXXX  I applied for Stafford loans to attend graduate school in the amount of {$500.00} and {$2800.00}. After   XXXX   obtained the money, they said I required a dummy math course. Nelnet serviced the loans. I became suspicious or over stressed by the course as nothing went through properly. Long story short, I requested that the money be sent back to the federal government, I became  XXXX  due to   XXXX   XXXX   then I lived out of my car in  XXXX . I only worked at a   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( LHI ) and that was less than 20 hours a month ; if and when I could get selected. These loans have been bounced around with nelnet, then yet another loan servicing entity. I can not seem to get any response. I do not know how much I owe and more importantly where is the money? my social security check are being garnished again. This makes the 4th time and I have reached out to   XXXX   XXXX   office, and other educational entities. I am worried that I will not be able to make my rental payments and do not want to once again be forced to live from my car. I seem to not be able to get anyone to give me an accurate accounting Currently my Stafford student loans are being misplaced and my social security checks are being garnished {$240.00}. per month for a loan of less that {$4000.00}. From what I learned, the interest has been accruing and I have been charged twice for loan servicing. Plus the money is still in an account at  XXXX . I live on less than {$2000.00} per month and my rent is {$860.00} and am obviously worried. If someone has the authority to do this to me, with a   XXXX   XXXX   in   XXXX   XXXX  ,  XXXX  years old and a naturally born citizen, I think even if I could borrow money from someone ( which I ca n't ), that is n't the issue that needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
The last two times I have tried to modify with my servicer,   XXXX   XXXX  , I was told that even though I am divorced from my ex-husband/co-borrower that his income must be included in my modification review. I would like to see if the CFPB can to anything to have   XXXX   XXXX   not include my ex-husband in my request.
I plan on providing income information for my fianc since he is a contributing member of the household. My ex-husband is not contributing income to this household and does not live here, therefore we should not have to use his income for a modification. My ex-husband is also not willing to comply with providing documentation or signing documents to allow me to modify on my own. I plan to eventually refinance my ex-husband off of the mortgage but unfortunately our divorce had a negative impact on my credit. Therefore I am currently stuck in an unaffordable mortgage situation with no options to make it better due to   XXXX   XXXX   XXXX   requirement to include the income of a divorced co-borrower/non-household member.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On    XXXX   XXXX   ,  2017  I received an email titled " NOTICE OF ACCOUNT CLOSURE AND PENDING DISABLEMENT '' while in  XXXX  on vacation. Coinbase thought I was a resident of  XXXX  and that " If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at  XXXX  XXXX  XXXX  immediately and provide us with a copy of a photo ID and proof of your current address. " I immediately sent them the documentation requested and after 3 days on    XXXX   XXXX  ,   2017  I received a response from their customer service that the issue was being investigated by a  specialist  and I would be contacted when there was an update. After not hearing anything for a few days I responded on  XXXX   XXXX ,    2017  just asking for a status update. I have yet to hear back from them. I have also tweeted at their customer support  (  @ CoinbaseSupport ) MANY times to no avail. My support ticket number from the original email is  XXXX  So at the moment I have no access to any of my funds ( both USD and ETH ) that are in my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: IL

Complaint narrative:
Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  2   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?   Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.     Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are   XXXX  ,   XXXX  ,   XXXX   XXXX   XXXX    XXXX , unfamiliar with handling their own finances.   Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.     FCRA requires that all  Credit Reporting Ag encies are supposed to verify received from creditors before this information is added to your credit file.   Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.     The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.     In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.   While I prefer not to litigate, I will use the courts as needed to enforce my rights under the

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 2017-07-18 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: IL

Complaint narrative:
Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  2   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?   Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.     Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , unfamiliar with handling their own finances.   Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.     FCRA requires that all  Credit Reporting Agencies are supposed to verify received from creditors before this information is added to your credit file.    Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.     The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.     In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.   While I prefer not to litigate, I will use the courts as needed to enforce my rights under the

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX we had a severe thunderstorm that XXXX my 2 yr. old XXXX XXXX 49 '' lcd TV. I have supplemental Home Insurance Coverage w/ XXXX XXXX XXXX. in XXXX. XXXX Fl . -XXXX-XXXX-XXXX-XXXX- Acct. # XXXX. I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/ ELECTRICAL SYSTEM listed.When I joined in XX/XX/XXXX I was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period ''! I complained via their Website Email today XX/XX/XXXX.
I was unable to find a local TV Repair so I went back to XXXX XXXX in XXXX, NC XXXX XXXX XXXX XXXX where I had bought the XXXX in XXXX. It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a XXXX XXXX Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar XXXX XXXX & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied by XXXX XXXX/ XXXX XXXX - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w / 2 Credit Cards ( my fault ) & was advised by an Attorney to file Chap. XXXX. I did & it was dis- charged XX/XX/XXXX. but to this date XXXX XXXX has REFUSED to report my XXXX debt which was paid offXX/XX/XXXX up to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my XXXX XXXX  for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap. XXXX & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is XXXX Trans Union, XXXX the XXXX others. Since the XXXX rejection I 'm afraid I may not be able to make the car trade w/ a Co. like XXXX XXXX ( lower rates etc ). I should be able w/ XXXX since I 've been with them 2 yrs. & have saved {$2000.00} DP for a XXXX model- selling for {$12000.00} Max. That 's my story.

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 2017-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
When the loan was originated, I was never provided the required California Electronic Consent forms. The loan was taken out online, and it is my understanding that this form is required in California in order to continue to fund a loan online.
If you want the option of sending and receiving real estate transaction documents by e-mail, federal law requires certain safeguards to ensure that consumers like you have the capability to receive such disclosures and are fully aware of the consequences of agreeing to receive documents electronically.
Federal law requires your consent to use e-mail and electronic versions of information, disclosures, contracts and other documents and records ( electronic documents ) that would otherwise be legally effective only if provided to you in a printed/written paper document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
In XX/XX/XXXX , I ordered clothing from   XXXX   XXXX  . Sales person ask me to open a credit card account, which I did. She never mentioned it was actually a credit card thru Comenity Bank which had I known, would not have authorized.
As soon as I realized this, I called  XXXX , talked to a   XXXX   XXXX   XXXX   and he agreed to cancel this account. This did not stop Comenity Bank from sending me a bill even though I paid off the purchase in  XX/XX/XXXX . They enrolled me a VIP program and sent a credit card which I never confirmed or never used. Comenity continued to bill me {$14.00} month. I refused to pay and ask for signed proof of requesting their card. Never received my request. This is much like   XXXX   XXXX   fraud.
In meantime, Comenity Bank turned the acount over to   XXXX   XXXX   who this complain is about. I have explained to them this situation. They continue to harass me with at least two times a day, even though I have requested proof that I signed any paper work authorizing this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Chaplain Financial Services LLC
State: UT

Complaint narrative:
I was first called on XXXX. They called from XXXX and left a message asking me to return a call to XXXX. They left a threatening message on my voice mail stating that the " processor will require 2 forms of ID and will serve me at my place of employment and will present to my supervisor if I am not present. '' They contacted me on my cell phone, my home phone and I 'm fairly certain they called my neighbor and left a message ( she is also a relative ). 

I called them back today, XX/XX/XXXX, after repeated calls. They answered as " XXXX ''. I asked them for their name and address and was given " XXXX XXXX XXXX '' although previously they said they were XXXX XXXX. The address they gave me was just a street address of XXXX XXXX XXXX. I asked if they had already sent a validation letter to the debtor and they stated yes. This is false - nothing has been received. 

I then asked them to provide the name and address of the debtor and they proceeded to ask if I was " XXXX XXXX ''. I stated I would not provide any info about myself without verifying who they were. 

I then asked for the last 4 of the social security of the debtor they were trying to reach. They gave it to me which was the final red flag that they were a scammer as a legitimate collector would not answer this. Incidentally they did have the last four of my social. I told them that I knew they were a scammer and hung up. 

I have no outstanding debts that are not current and any " payday loans '' I had were discharged in a bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FORD MOTOR CREDIT CO.
State: OK

Complaint narrative:
I received a demand letter from XXXX, XXXX and XXXX XXXX. in XXXX, regarding a auto loan with ford motor credit-I took out a auto loan with Ford and was told by the dealership that it was a requirement from ford that I had to have an extend service contract. After finding out that this was wrong and a fraud loan, I sent back the car to ford-and I was working with them while they were suppose to be investigating the dealership. I sent them out a validation letter requesting : 1 ) since they are the law firm representing Ford, what was the results of the investigation. 2 ) Per the contract, I signed with Ford, I agreed that the contract will be governed by the laws of the state of Kansas-How were they able to sue or collect the debt under the laws of Oklahoma. They did not answer these questions-they just sent me back my contract with Ford, and a letter stating what I owed. Also, I was looking at my credit today, and found an inquiry from this law firm, requesting my credit-I did n't sign ANYTHING, that allows them to checking my credit. At this point-I have tried to contact the law firm and I get nowhere-I would like them to send this account back to Ford, where I can deal with the balance owe directly and get the answers that are owed to me. And I want the Inquiry and any credit reporting removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have a private student loan with   XXXX   ( original creditor ) that is listed on my credit report as a charge off in the amount of {$21000.00}. Every month it shows up that I have missed a payment on my student loan to  XXXX .   About 2 years ago this loan was sold  ( ? ) to  XXXX  who now services my loan. I came to an agreement with FAMS that I would make payments of {$120.00} every month until the loan was paid in full. This amount is taken out of my checking account every month and I have never missed or been late on a payment for 24 months.   I have contacted FAMS and   XXXX   and explained that since I am making payments to FAMS, who is servicing the loan for  XXXX , I do not believe it should be reported that I am missing a payment every month to   XXXX  .    XXXX  wrote me back and told me that they can still report every month that the debt is charged off and that I have missed a payment.   Is this correct - seems strange that the loan owner can report a missing payment when I am making monthly ontime payments to their servicer.   Thank you  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service, Inc
State: OK

Complaint narrative:
I moved out of the   XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX  , Oklahoma on  XX/XX/XXXX . The Apartment manager had my Florida address as a point of contact when I moved out.   XXXX   XXXX   never made contact with me in an attempt collect an alleged debt for a dirty carpet and kitchen drip pans in the amount of {$87.00}. This alleged debt can not be considered " past due '' because I was never notified, and never given an opportunity to resolve this.
I was contacted by CSI   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Ok.  XXXX  sometime in  XX/XX/XXXX . I disputed the alleged debt with CSI, and they placed a late payment/collection with  XXXX  and   XXXX    credit reports. I disputed the placement with  XXXX , and they deleted the entry. The matter remains in dispute with  XXXX .
CSI is acting in violation of the Fair Debt Collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation