vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I purchased an item on XXXX XX/XX/2018 for {$200.00} The item description stated that the item worked even without a specific part. It did not work without the part. I showed that it did not work with out the part and the seller agreed that I was correct ; that it didn't work without the part.

I went to Paypal for a remedy because the seller would not agree to return the product for me. I showed PayPal the evidence : 1. Seller description stated that the product worked without the missing part.

2. It did not work without the missing part 3. That the seller agreed in writing that it did not work without the part.

PAYPAL is in VIOLATION of their USER AGREEMENT by then stating that they could not uphold due to the description being accurate.

Obviously they just ignored everything that was sent to them and hoped it would go away.

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 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
My husband became ill at the age of XXXX and passed away approximately a month later on XX/XX/2018, while in a XXXX XXXX. 

XX/XX/2018 : I received a collections letter from XXXX. As I recognized neither the Creditor ( provider of services ) nor the amount owed, I immediately called to inquire about the correspondence. I spoke with XXXX, who told me that this was a bill for XXXX XXXX in XXXX. I told her that my husband had not been in a facility in XXXX. She said the original bill had gone to a XXXX XXXX ( XXXX? ) in XXXX XXXX, which has NEVER been an address of ours. She said she would send an itemized bill to my correct address. If this bill wasnt correct, I could write a letter and mail it to them to dispute the claim. 

XX/XX/2018 : Having received no correspondence reflecting this amount, I called back to XXXX  and spoke with XXXX. XXXX explained that this bill is for the physician who treated XXXX at the XXXX XXXX in XXXX XXXX ( which is correct ). He goes on to explain that I would not have seen an EOB with this amount, as they have not yet billed XXXX for this service. 

( Oddly disturbing fact, as I was speaking with XXXX, I overheard this in the background : lets give it up for XXXX who just got a {$430.00} (? ) payment and everyone cheered ). 

How many people blindly pay this, especially as there is clearly employee incentive to collect immediate payment? How can this go to collections without a single bill or a claim to XXXX? I feel as if this borders on fraud. 

When I asked XXXX about not billing insurance, he said that if people go ahead and pay them, the patient can still send a claim to their Insurance Company and XXXX would immediately repay the patient. I would wager the likelihood of this happening is quite low. If it took two calls for me to even discover the truth about these circumstances, how would most people know that they needed to follow up with Insurance after paying this? XXXX tried to back off from the debt collection aspect and said they handled the physicians billing. If that is the case, this correspondence should not state this communication is from XXXX  ; a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. When I call in, I am also told the call will be recorded and is an attempt to collect a debt.

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 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Falls Collection Service Inc.
State: WI

Complaint narrative:
Ive been debted over {$500.00} dollars for an medical bill in XXXX, where I never lived! Theres no records of me living there either this is identity theft in its purest form!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX  ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX  ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX XXXX ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX   XXXX TN ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX TN ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX  XXXX ( 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 non-monetary relief
Consumer complaint received 2018-10-18 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( XXXX  : XXXX XXXX  : XXXX ) XXXX ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX : XXXX XXXX  : XXXX ) XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX  ( XXXX  : XXXX Transunion : XXXX ) XXXX XXXX  XXXX XXXX  ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX  XXXX XXXX ( XXXX  : XXXX Transunion : XXXX ) XXXX XXXX   XXXX TN ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX XXXX TN ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX  XXXX ( XXXX   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 2018-10-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX  XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX  ( XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX TN ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX TN ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXXXXXX ( Equifax : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resource Management Group
State: GA

Complaint narrative:
RMG-Resource Management Group XXXX XXXX XXXX XXXX, NC XXXX contacted me about a debt of {$750.00} of a line of credit opened XX/XX/XXXX, last active XX/XX/XXXX. I explained it was not my debt. I instructed them not to call me to mail me and confirmed my home address. No mail ever came. They then called my employer with this same automated call. They continued to call me as well. I explained I was incarcerated in Georgia XX/XX/XXXX-XX/XX/XXXX and it was impossible I opened any lines of credit XX/XX/XXXX-XX/XX/XXXX. He then went on to blame family members saying i guess your mother or sister did it. I again told him mail me the information do not call me. The calls were all 1-1 1/2 weeks apart. No mail came but AGAIN they called me and we had an altercation where he then proceeded to say my wife or boyfriend did it then. A letter showed up on XX/XX/XXXX finally. It was back dated to XX/XX/XXXX and said you have XXXX to dispute these debts or we automatically deem them valid. Harassing and manipulating dates on mail to validate fraud of someone else is extremely disrespectful and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX N/A XXXX  : XXXX, XXXX XXXX:XXXX, XXXX XXXX Experian : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX  Experian : XXXX XXXX  : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX Experian : XXXX 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 non-monetary relief
Consumer complaint received 2018-10-18 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: WI

Complaint narrative:
This is a follow up complaint to the previous one dated XX/XX/2018. This company sent us each another check for the same amounts as the first checks that they disbursed. These checks also bounced so now we have received XXXX in fees from our bank. We again tried to contact XXXX XXXX   and were given the run around with no answer as to why they owe both my husband and I are owed over payment refund and why they keep stopping payment on the checks after they disburse them to us. Additionally, the account that this agency identified as a " XXXX '' account was actually a judgment through XXXX XXXX that was paid in full through the Wisconsin XXXX Amortization of debts that was completed in XX/XX/2018. This judgement was sent to an attorney in XXXX Wi named XXXX XXXX. This attorney has been given a notice that the debt has now been satisfied almost 6 months ago yet the debt still shows as unsatisfied with the court system. I have tried to contact this attorney with no response from her or her law firm. XXXX XXXX is using unethical and unfair debt collection practices. They never sent us a notice of where the money we were sending them each month through our consolidation was going and it turns out that XXXX of the accounts we paid off was not even our debt ( XXXX ). Additionally, they keep showing that they owe us about XXXX dollars back, they then mail us out two checks, and they then stop payment on the refund checks. This unethical and unfair debt collection process must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
US Bank took my payment off {$5000.00} and did not apply my additional principle amount ( {$3100.00} ) to the principle, instead they applied part of it as a ( second ) future payment, then took the remaining balance and applied it to principle. I talked to a few people there and was finally told the computer does that automatically. I know this is not true as I have paid way more than that on another monthly payment and the remainder ALL went to principle. I clearly had the amount in the box marked additional principle. This should be against the law, if it is not. I wonder how many other people they are applying the money meant for additional principle payoff to future monthly payments. This method allows them to collect more in interest, which exactly what I was trying to reduce and then they can sit on my money while it makes them interest as it sits in their bank until it is due as a future payment. Essentially they were stealing from me. Below is pasted from the statement " XX/XX/2018 XX/XX/2018 Principal Payment {$1300.00} {$0.00} {$0.00} {$1300.00} {$3200.00} {$210000.00} XX/XX/2018 XX/XX/2018 Payment {$650.00} {$710.00} interest - basically they tried to steal this from me! 
{$460.00} {$0.00} {$3200.00} {$210000.00} XX/XX/2018 XX/XX/2018 Payment {$650.00} {$720.00} interest {$460.00} {$3600.00} {$2700.00} {$210000.00}

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 2018-10-18 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX  N/A XXXX  : XXXX, XXXX Transunion:XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX  XXXX  : XXXX  Transunion : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX  Transunion : XXXX XXXX XXXX : XXXX XXXX   : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : 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 2018-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
This is my third and final attempt to ask United Revenue Corp to remove their erroneous debt claim off of my credit reports. As previously stated I do not have a signed contract with United Revenue Corp. I have never done business with United Revenue Corp. I have asked for proper validation twice by mail and three time via XXXX  and CFPB. Again United Revenue Corp has FAILED to provide the proper validation that meets FRCA regulation. United Revenue Corp even states themselves that that have provided verification. I am not asking for verification. I am asking for validation. United Revenue Corp claims that no inaccuracies were found in their report to XXXX and investigation in this account but their documentation is shown in response XXXX for a XXXX XXXX, which is clearly NOT me. This is why I as the consumer have the right to ask for PROPER VALIDATION. The next time United Revenue Corp hears from me will be through litigation if they do not remove their erroneous, non-validated account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX contacted me about a debt of {$750.00} of a line of credit opened XXXX, last active XX/XX/XXXX. I explained it was not my debt. I instructed them not to call me to mail me and confirmed my home address. No mail ever came. They then called my employer with this same automated call. They continued to call me as well. I explained I was incarcerated in Georgia XX/XX/XXXX-XX/XX/XXXX and it was impossible I opened any lines of credit XXXX. He then went on to blame family members saying i guess your mother or sister did it. I again told him mail me the information do not call me. The calls were all 1-1 1/2 weeks apart. No mail came but AGAIN they called me and we had an altercation where he then proceeded to say my wife or boyfriend did it then. A letter showed up on XX/XX/XXXX finally. It was back dated to XX/XX/XXXX and said you have 30days to dispute these debts or we automatically deem them valid. Harassing and manipulating dates on mail to validate fraud of someone else is extremely disrespectful and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Credit card refused to close an account and remove unauthorized charges in an amount of {$120.00}, after I called and reported those transactions as fraudulent. The company who was making charges breached contract and I ask credit card to stop payments which they failed to do. 
Customer service was very rude and refused to fix the issue. 
Worst customer service!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My problem is with a new bank policy at Chase Bank that does not allow you to deposit or withdraw funds from the ATM in at least 2 locations in my neighborhood between the hours of XXXX and XXXX. I dont think this is a practice at all their facilities and it's not clear as to why these particular locations were targeted. It's not only inconvenient for those who may need to make a transaction between those hours it also shows a lack of concern for faithful Chase customers in the area. The 2 locations are on the city of XXXX 's westside. One is on XXXX and XXXX and the other is on XXXX and XXXX. I just wanted to voice my concern about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Collection Partners, Inc.
State: MO

Complaint narrative:
I have received calls from this company in the past. Was told this was for a speeding ticket in Illinois over 7 years ago. Told them I have never been to the that county & told them to Never call my cell phone again. I received another call today from CCP at a different number told this rep I have told them multiple times I have no ticket or debt in their office and for the 3rd time not to call me again, The collector said she is calling for the State Attorney office and they can't stop the calls. Advised her I am a Collection supervisor & am aware of my FDCPA laws & violations. When told not to call Once I should have never received another call & will be getting the calls in their office pulled. I am requesting this company to Cease & desist all contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2018, Santander Consumer USA debited a payment from my account in the amount of {$740.00}. I didn't authorized this payment and in fact, I had post dated a check for one full payment to process on XX/XX/2018, because it was pay day for me. It appears that Santander Consumer USA authorized the payment one day before and as a result, I was charged bank overdraft fees and a check returned fee. 
Moreover, Santander has continuously re-tried payments to my account in the past which led to me owing additional monies to my bank due to this and it's very stressful to get the bank to refund or credit me back. 

I've been having difficulties which has caused me to fall behind on my payments and when I talk to a bank rep, they simply brush it off and proceed to ask me when or how soon can I make another payment. They have put my car up for repossession twice, refuse to extend any further extensions on the loan, declined to waived the late fees, doesn't want to refinance or restructure my loan so that the payments are lowered, which is very much needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
The collection agency is trying to collect money on a debt that was already paid by XXXX Insurance company. The debt was paid on XX/XX/2011. The collection agency needs to provide information of billing from whom they purchased this debt. XXXX insurance provided the medical claims number ID XXXX ( The below information was copied and pasted from the XXXX website ) Processed By Date Member Provider Bill Amount Plan Paid Your Responsibility XXXX XX/XX/11 XXXX ( Husband ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again please research information with your client but in the mean time by law all Inaccurate information has to be removed from all three credit agencies. Please remove all information of your company and debt information from my credit report. You have the information to follow up with XXXX insurance.

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