vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: FL

Complaint narrative:
I underwent a routine test at a local clinic and the visit and all procedures were fully covered by XXXX, the health insurance company. XXXXXXXX XXXX  Explanation of Benefits indicates that the physician 's clinic, XXXX XXXX, was paid directly by XXXX. Despite receiving payment in full, XXXX XXXX, repeatedly tried to double bill me directly. I explained to them several times over the phone as well as in writing that this bill had already been paid by XXXX. They simply ignored my response and in partnership with their collection agency, Frost-Arnett, have repeatedly tried to fraudulently collect monies that were never owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts, i never applied for, and they are fraudulent and unauthorized accounts : XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/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 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a civil complaint on XX/XX/XXXX stating I was being sued for a debt that was bought from a credit card I was told I previously owed on. This was this first and only communication I received from this company stating I owed this debt. They show in court documents a statement stating this account I previously had has a new home. I never received this information. The court documents say this prior account was purchased on XX/XX/XXXX. The amount they claim I owe is {$2100.00}. I have never received any mail, phone call, or documentation stating I owed this company money prior to the lawsuit. In the three years they have had this account no documentation was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/18 I deposited XXXX into a Wells Fargo savings account to a person who posted an ad stating they were renting out there property for a vacation rental. The person who created this account is a fraud/scammer and since the deposit the account has been closed or there are no funds available. I have filed a report with with Wells Fargo bank in XXXX CTwith XXXX XXXX and the Wells Fargo fraud Dept. I also filed with local police in the town where I reside. I have a case number also. I went to Wells Fargo in XXXX CT to report that I was scammed and I would like to get my money back from the branch I made the cash deposit to in XXXX, CT. Wells Fargo did not issue my cash deposit money back. I also have my receipt of that transaction.

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 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In or about XX/XX/XXXX I started getting mail and phone calls from Portfolio Recovery and Associates ( PRA ) about 3 separate accounts originally belonging to XXXX XXXX. I believe that the dates and amounts are grossly misrepresented and conveyed the same to the collector requesting validation for the alleged debts and failed to receive anything except for a demand letter. This occurred about 2 months after receiving the initial letters and calls. In XX/XX/XXXX I  moved and had not heard from them after I had demanded validation. In the Fall of XXXX, I noticed that these 3 accounts were on each one of my credit reports with the 3 major credit reporting agencies ( CRA ) : XXXX, XXXX, and XXXX. At this point, I disputed and re disputed these accounts with the CRAs with the same incorrect information being updated and further damaging my credit standing. Additionally, earlier this year in XXXX, PRA started reporting and did so SIX times an incorrect address in Arkansas on my credit bureaus causing a couple of creditors to flag my account. I have never lived or even been to Arkansas. Finally, I sent a demand for deletion to PRA and have not had any response and the accounts have not been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Ask to see why my student loan Bill was so High. I dont agree that I owe them what they say I owe them. They have messed my credit score up on my credit. They charged me when I was not to be charged over charge students to attend college hyped amount up on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
Portfolio Recovery Associates, LLC contacted me to say that I owe a debt from XXXX XXXX. through the Merchant XXXX XXXX. The amount is {$2800.00}. I have disputed the validity of the account many times over the phone, and they kept sending me letters that provided no real confirmation of proof that I was the individual that Incurred this debt. I sent them a certified letter and a copy to the FTC ( who forwarded it to your agency ) asking for them to again show proof, along with other requests. I have yet to date received any legitimate proof i.e. ; signatures on receipts where I purchased items, that this debt is mine. I have asked them to stop reporting this as a bad debt on my credit score until the dispute has been resolved and they have, so far, not complied. I would like assistance in understanding how they can claim that I owe something and not provide me with adequate proof of me owing anything. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My loans were transferred from XXXX to Navient in XX/XX/2018 and I have had a number of issues. The biggest issue, which is currently unresolved, is that my monthly payment does not seem to be calculated properly. 

I initially informed Navient of this issue by email on XX/XX/XXXX after receiving my statement. I followed up by email several times and did not receive a response until XX/XX/XXXX. At that time I sent the representative a number of documents illustrating why my payment amount seemed incorrect. 

I received a response on XX/XX/XXXX stating that my interest rate had increase by .25 % and that caused my payment to increase by {$35.00}. My loan balance is around {$11000.00} and I have 152 payments left - a .25 % interest rate increase should not increase my payment by more than a dollar or two. I followed up with the representative stating that the calculation still didn't seem correct. 

On XX/XX/XXXX I received a response from Navient simply stating that my concern had been addressed by the XX/XX/XXXX response. I've responded with a calculation and payment schedule based on the increased interest rate showing that the payment is not correct. While sending this response I logged into my account to discover that Navient has increased my interest rate an additional .25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/2018 received bill from Wells Fargo stating XXXX home equity line payment would be charged an extra {$190.00} for accrued interest on outstanding balance of entire loan, {$54000.00} XX/XX/2018 recieved bill from Wells Fargo stating we owe an extra {$680.00} on accrued interest on the principal of {$220000.00} XX/XX/2018 talked to Wells Fargo rep and they said that is how it is down each month you are charged accrue interest on your outstanding balance. How can this be when you have a fixed mortagage with interest already in your payment? 

Thee is no escrow on the account as it was originally through XXXX XXXX. We pay our insurance and taxes ourselves. We were behind in our payments till XX/XX/2018 and paid off the delinquent amounts plus XXXX payments so the XXXX one should not reflect any back interest. The rep stated this would be the way our bills would like form now on having the above noted accused interest added on to our monthly payments. So we will b paying interest on the interest on our account. Until this date in XXXX no bill EVER showed accused interest.

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 2018-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
paypal for the last two months hasn't been withdrawing for my checking account like it is set to and chagrining things to my paypal credit card, even though the settings is checking account first, and in their own words if it wasn't set up it would do balance first, then bank, then paypal credit card and so on, they aren't not doing that., they replied back on the same complaint XXXX, on my their web site these payments to XXXX  XXXX XXXX XXXX and dollar shave is set to my checking account, the photos shows that and the old photos showed that also, and the still doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed items on my credit report with credit bureau , bureau refused to reinvestigate any of the items stating they had previously investigated the items my problem is I asked for proof of investigation which I didnt receive and I contact each creditor to be told they had not been contacted by Experian I want proof of any information Experian has on file in regards to these accounts Accounts in questions are XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX Names on file that I have NEVER used please remove XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I always sign and apply in my full legal name of XXXX XXXX XXXX Inquired on file that are unauthorized and should be removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  / XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
Smith, Rouchon and Associates, located in XXXX, MS is constantly harassing me at work. They call my job at least three times weekly. I have sent a cease and desist letter but yet, they continue to call my job. The alleged medical debts that they say I owe is only being reported to XXXX and XXXX. XXXX only has one of these alleged medical debt and Smith, Rouchon and Asso.  continues to " verify '' the debt collection, every time a dispute the item. XXXX has verified all five of the alleged medical bills and will not remove them nor provide me with proof of how they allegedly verified these medical bills. I have also told Smith, Rouchon and Associates that they are in violation of FCRA, FDCPA and HIPPA but the last CSR stated that she do not care and that I better pay or else. I am about to lose my job because they will not stop calling my job!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: WA

Complaint narrative:
I contacted XXXX XXXX XXXX about not releasing the lien and not providing the correct balance informatio to all 3 credit reporting agencies for months. The loan was paid in full on XX/XX/2018. I called the company on XX/XX/18 and they emailed the lien release. All credit reporting agencies are reporting a loan balance of well over {$7000.00}. There is a XXXX  balance. This needs to be corrected immediately as this has affected several recent lines of credit that I have obtain including the purchase of a new automobile.

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 2018-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
In early XXXX, I had purchased a XXXX Mercedes Benz E63 at XXXX XXXX ( XXXX ) and financed through Mercedes Benz Financial Services ( MBFS ). I was talked into purchasing an additional 2 year factory warranty for this car by the General Manager XXXX XXXX. However, on XX/XX/XXXX I traded this car into Keyes and leased a new XXXX S550.  The terms of this lease were {$15000.00} at signing and approximately {$1600.00} per month for 36 months. I was told that the price was high because I had average credit. However, I had paid approximately {$7000.00} for the manufacturers extended warranty for the car being traded in and I was assured that I would get that back from Mercedes. After about 6 months and not receiving anything, I called up Mercedes and they told me that XXXX had instructed them to send the warranty refund to them. After confronting Mr. XXXX, I received a call back from him personally telling me that It is not refundable and I will not be getting a check in any amount. After going back and forth with both parties for basically the remainder of the lease to no avail and unwilling to take on the cost of litigation, I advised MBFS that I will be returning the car 4 months early and will off set the amount of the warranty refund which was almost exact. Subsequently, MBFS has been reporting this to my credit reports as a repo/surrender and eventually a charged off amount of approximately {$29000.00}. This has been extremely damaging, defaming and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
Accounts listed do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: AZ

Complaint narrative:
Please note that anything I say here, I will say under oath in court. This is 100 % truth and we swear on the lives of our children that we are being honest and sincere. 

In XXXX, our student loan was under forbearance through XX/XX/XXXX. I remember getting the confirmation in the mail in the summer and double-checking that it was for this loan. I remember vividly the relief I felt when getting the forbearance, as we are struggling with unemployment in our family. In XX/XX/XXXX, I submitted another forbearance form for XXXX as our struggles continued. 

In XXXX, we received a default notice from XXXX, a collector for ACS.  This destroyed us in many ways. Primarily because of the shock of it - we were under forbearance! We worked so hard to rehabilitate our loan back in XXXX, that we were being very careful. 

Common sense alone says that we wouldnt have ignored this for 270 days - which is what is needed to default on a loan. 

I asked both ACS and XXXX to do an audit of your forbearance system, as ours apparently slipped through the cracks after we received the approval letter in the summer of XXXX. Plus, we would have received almost 9 months of collection letters and probably collection calls almost daily. We did not. Why? Because we were in forbearance. 

Again, common sense, we still had 24 months of available forbearance time on this loan. Why would we ignore ( 1 ) 270 days of collection calls ( 2 ) 9 months of mail and risk defaulting on a student loan where it only took one forbearance form to relieve us of that? Even circumstantial evidence shows that something went haywire here. 

Again, please remember that Id say this same thing under oath. This is not one of the common excuses that Im sure you may hear routinely. Ill swear my life on it. This is not a mistake that we can live with, as it has a devastating effect on the financial future of not only the two of us, but our kids and extended family. 

We are sending this correspondence directly to you instead of XXXX and ACS this time. It has been evident that they have brushed off our request as a borrower just seeking to get a free pass from default. It's evident they didn't do the dirty work and they're putting the burden of proof on us to fix their administrative error. They've been garnishing our wages for over a year and they have ignored all of the common sense, circumstantial evidence, their administrative errors and have just bullied us by not seeing that this is not our fault and we should have been in forbearance status. 

This type of thing is why ACS was sued in a class action suit in XXXX and ultimately had to be sold. We are victims of these practices and are seeking CFPB 's help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
ACCOUNT LISTED DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are several account currently showing on my credit report which I have asked the credit bureau to verify as accurate the credit bureau has not provided and documents to me confirming the items were in fact verfied and accurate so Im requesting that the items be removed ASAP until the creditors can in fact confirm the accounts are valid which they are not Im also requesting several inquiries be removed as they were unauthorized also there are 2 phone numbers and a name appearing on my file which DO NOT belong to me Transunion has failed to remove these items after I requested it on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX, XXXX XXXX XXXX. # XXXX XXXX XXXX   # XXXX XXXX  / XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
ACCOUNT LISTED DOES NOT BELONG TO ME BUT IS LISTED ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought an XXXX XXXX XXXX, Fully Unlocked 5.8 '', 64 GB - Silver Sold by : XXXX   {$1100.00} XX/XX/2018 When the package was delivered, there was no phone in the box, just another box. XXXX denied my claim for a refund because the package was delivered. 

But i paid for a phone, not a cardboard box.

Company response to consumer: Closed with explanation