vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that KEYBRIDGE MEDICAL REVIEW MGMT has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from KEYBRIDGE MEDICAL REVIEW MGMT but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to KEYBRIDGE MEDICAL REVIEW MGMT to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than KEYBRIDGE MEDICAL REVIEW MGMT is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and XXXX authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX XXXX ( this has been paid through health 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
Consumer complaint received 2018-08-20 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my report.

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 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: VALLEY CREDIT SERVICES, INC. (WI)
State: WI

Complaint narrative:
Refer to CFPB Complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2018-08-20 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: AES/PHEAA
State: GA

Complaint narrative:
This concerns XXXX XXXX aka Pennsylvania Higher Education Assistance Agency ( PHEAA ) I am concerned my loan payments are not being applied properly for XXXX XXXX XXXX XXXX. I have been paying off my loans since XX/XX/XXXX  primarily under income based repayment, however, there have been  short periods of time I paid the full amount each month. At that time, I was actively seeing employment in the private sector and anticipated leaving public service so I wanted to begin paying the full amount. I remained in my public sector position, though, and the period of time I paid under Standard Repayment was less than a year. Out of the 8+ years I have been paying my loans, I would say 3/4 of them were made under a income based plan. 
When I began paying off my loans in XX/XX/XXXX there was no paperwork or forms associated with XXXX, but I completed the employment certification form later on. I have worked for the same employer ( a government agency ) since XX/XX/XXXX so there is very little confusion as to the status of my public service employment. 
I was switched from XXXX to XXXX XXXX a few months ago. 
I was checking on my payment numbers on XX/XX/XXXX and feel they are inaccurate, as they only reflect a fraction of the payments I have made over the past 8 years. I called customer service and was informed ONLY payments made under an income driven plan " count ''. It clearly states the following on the XXXX website and I quoted this to the customer service agent : " NOTE : Payments you make under a 10-year Standard Repayment Plan or under any other XXXX XXXX XXXX repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year XXXX XXXX plan also count toward PSLF. However, you must switch to an Income-Driven Repayment ( IDR ) plan, such as XXXX, XXXX, XXXX, or XXXX, to benefit from XXXX. Otherwise, you would have no remaining loan balance to be forgiven after making 120 payments. '' ( Rest assured, I have plenty of balance still left ). 

The customer service rep continued to dispute the information I was reading to her from the website. Customer service told me I can have my payments reviewed, but this process will take 6-8 months. This is completely unacceptable. I then filed a complaint with the XXXX XXXX office for XXXX and received an automated email stating an " expedited '' review of the case would be completed. There was no timeframe given for follow up or resolution. It is now 6 weeks later and I have received no further information from XXXX. 

Given the threats by " our '' : political leaders to end to the XXXX   program, I am making every effort to ensure my issues and difficulties are clearly documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: AL

Complaint narrative:
I have XXXX accounts reporting from amerifinancial solution on my credit report. Ameriinancial bought this debt from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). i do not owe neither one of these companies and this  inaccuracy on my credit report need to be deleted. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request amerifinancail solutions prove that I am indeed the interested party who is contractually obligated to pay this debt to them.Do not send me a bill send me a copy of the contract i have with them and the rights they have to hold my name, ssn, date of birth, and address with their company.A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.

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 2018-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
Dear Sir/ Madam, Order Number : XXXX I sent XXXX {$700.00} to my recipient in XXXX on XX/XX/2018  by XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX : XXXX ( XXXX ) XXXX Fax : XXXX ( XXXX ) XXXX But as of today, the recipient XXXX XXXX XXXX has not received the fund XXXX XXXX. This money supposed to deposited by XX/XX/XXXX to his XXXX XXXX account. I contacted everyday then since and XXXX XXXX XXXX Customer service will tell me that they are confirm that money will be deposit tomorrow. So, Finally, on XX/XX/XXXX, I request the proof or contact name in XXXX but they denied. On XX/XX/XXXX, I request the money back to my XXXX XXXX XXXX but they refuse again. I have there Ten email saying that money was deposited but its not.I also contact them toady by XXXX and by phone and same answer. Money will deposit tomorrow. I told them next 5 days Bank will be close in XXXX for XXXX. I don't know what to do. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX, GA XXXX Cell : XXXX Email : 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 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
On XX/XX/2018, i received an unsolicited email from " XXXX '' with the subject XXXX Account Information The body of the email states : Hello XXXX XXXX, If the reader of this message is not XXXX XXXX you are hereby notified that any review, dissemination, distribution, use, or copying of this message is strictly prohibited. If you have received this message in error, please notify us immediately by e-mail at XXXX, and permanently delete this message and your reply to the extent it includes this message. 

Important account information is now available regarding your XXXX Account. To view your this information, please click here. 


Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX GA XXXX XXXX I assumed it was a phising attempt and moved it to my spam folder. Also, I noted my FIRST name and LAST name were transposed. 

On XX/XX/2018, i received a written letter from Sequium Asset Solutions LLC that states I owed XXXX {$26.00}. I have not had XXXX XXXX   for several months and never received any notice that I had any past due outstanding balance. 

I called XXXX Customer Service at approximately 5:00 pm on XX/XX/2018 who confirmed I had no outstanding debt past due. 

This appears to be a sophisticated phishing scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/2018 I received a solicitation in the mail to apply for a XXXX XXXX credit card issued by XXXX XXXX. They were offering {$75.00} bonus money if I spent {$500.00} in the first three months ( {$25.00} credit with my first purchase, {$50.00} after spending the {$500.00} ). I applied online and was approved on XX/XX/2018. I received and began using the card on XX/XX/2018. I received the initial {$25.00} bonus credit from the credit card company on XXXX-18. On XXXX-18 I had charged over {$500.00} and paid the amount in full on XXXX-18. I have not used the card since then. I waited to receive the second bonus payment of {$50.00}, and when I didnt receive it, I emailed the company on XXXX-18 and again on XXXX-18 asking where the bonus money was and was told they would look into it. On XXXX-18 I received a letter in the mail stating that my request had been processed and to allow up to two billing cycles to receive my credit. I finally received the credit to my account on XXXX-18. On the same day, I tried two different times to use my credit card to spend the {$50.00} credit and was told my card was declined. I called the customer service number on the back of the card, and after going around and around in the automated loop for what seemed like an eternity, I finally reached a real person. She said that my card had been blocked and she would transfer me to the department that handled that. When she did, an automated message said that number is no longer in service and it disconnected. I just went online trying to access my sent messages to get the correct dates to file this claim, and for no reason it logged me out. I believe I am getting the runaround because I no longer use the card, and that they are purposely making it impossible for me to get the bonus money that they owe me.

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 2018-08-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I called Experian on XX/XX/18 to dispute inaccuracies reported by XXXX. Experian said the dispute process takes 30 days. I've been waiting for a decision since XX/XX/18 and I never received a response explaining why Experian is displaying false information on my credit file. Every time I call in to get the decision Experian 's phone reps get mad and hang up in my face. I've been waiting for a dispute decision since XX/XX/18.

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 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am a long time Citibank cardholder and my credit history can confirm that I pay on-time and in full every month. Twice I have experienced what I consider unethical practices when enrolling in or making changes to auto-pay. The company has resolved my problem but I am concerned that they are taking unfair advantage of other customers and I think they need to amend their practice. What happens in that you enroll in auto pay and you get a letter confirming that you are enrolled but when the next due date rolls around, no deduction is made and Citi charges you a late fee and interest. When this initially happened they said " didn't the representative tell you? '' but the answer was no. They refunded the charges but it took a second call the next month. Then on XX/XX/XXXX I called to change banks. Warily I asked the representative if the charges due on XX/XX/XXXX would be withdrawn or skipped and she assured me that I had placed the request in plenty of time. She also agreed to push back the payment date to the XXXX  of the month. I called a second time on XX/XX/XXXX and the representative told me that the listed bank was the new one. So on XX/XX/XXXX with no deduction from my bank account I called and discovered that the withdrawals and date change wouldn't start until XX/XX/XXXX. The rep was very nice and apologized and reversed the late charge and interest, but I was furious with Citi that I had been duped twice. I see no reason that the autopay can not take effect within 15 days and if it can't be, then every representative must be obligated to state that fact very clearly and a letter should be sent to that effect.

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 2018-08-20 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:
So i checked my credit report 2 days ago and noticed that there is supposedly an account thats been open for 2 years and 2 months that belongs to a XXXX year old with my name, it also says there is a missed payment. I believe this only shows up on the equifax report. I think they have confused me with my father because we share the same first and last name, him being XXXX and me being XXXX. It is impossible for this missed payment and credit history to be mine seeing that i am only XXXX and have just gotten a credit card in the last month while in college.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal refuses to refund me {$39.00} for a fradulant transaction - XXXX - they are working with a known international scammer - XXXX XXXX XXXX, XXXX  - They preport to protect their users from scammers and ensure each transaction is safe. They are asking me to mail a product back at my expense and the shipping cost more than the product - this is a common fraud technique used by XXXX compainies - The product does not work and is NOTHING as the product is descrobed. Pay Pal is a party to this fraud - Transaction ID:XXXX - XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I recently submitted a request to have my home reappraised to hopefully appreciate out of the PMI on my mortgage. US BANK said the ESTIMATED appraisal cost was {$390.00} so I sent a check for the amount to begin the process. Upon notification that the market value had not changed on the home, I requested that the remaining amount be sent back. The appraisal was {$350.00}, I sent {$390.00}, a {$40.00} difference. 

The bank claims the {$40.00} went to an administrative cost and would not be returned. 

I then spoke with a Supervisor, XXXX, who refused to give me the regulating agency to whom I could file a complaint with. She did give me the address to submit a written complaint to US BANK. 

XXXX confirmed that the documents did say " estimated '' and that the appraisal was for only {$350.00}, but would not give a reason as to where the additional funds went.

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 2018-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my report.

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 2018-08-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my report.

Company response to consumer: Closed with explanation