vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
I had XXXX XXXX XXXX XXXX for a few years. When we decided to move to another state I called XXXX XXXX XXXX and cancelled our internet on XX/XX/2018. I was informed that we need to return our equipment within 21 days. I received the box and shipping label and the next week took the equipment to a XXXX store and sent it out. This was the first week of XX/XX/2018. In XX/XX/2018 I recieved a letter I was being sent to collections for a total of {$160.00} for XXXX XXXX XXXX citing 'equipment wasn't returned '. I called and they opened up a case for me. In XX/XX/XXXX I recieved my collections letter. I called XXXX XXXX XXXX back and gave them my case number and she found that 'The equipment was in the warehouse the entire time. It was recieved in XX/XX/2018 ' So this was just a mistake on their part. A mistake that is ruining my credit! I XXXX a simple XXXX wrongfully sent me collections ' and found pages after pages of people going through the exact same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed 2 collection accounts being reported on my credit file incorrectly. I requested an investigation be done by the 3 credit bureaus XXXX, Transunion, XXXX. I also contacted the alleged collection companies who were making a claim that these debts were accurate and were mine. I requested valid proof that these accounts belonged to me and that I had a legal obligation to pay them said alleged monies. One of companys since then has closed one of the accounts and stopped reporting to Transunion. The other alleged collection company has stopped reporting to the the 3 credit Bureas but still continue to harass me without providing any valid proof that these accounts are mine and I would like these false claims deleted from the 3 Credit Bureas and from my credit file permanently.

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 2019-04-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed 2 collection accounts being reported on my credit file incorrectly. I requested an investigation be done by the 3 credit bureaus XXXX, XXXX, Experian. I also contacted the alleged collection companies who were making a claim that these debts were accurate and were mine. I requested valid proof that these accounts belonged to me and that I had a legal obligation to pay them said alleged monies. One of companys since then has closed one of the accounts and stopped reporting to XXXX. The other alleged collection company has stopped reporting to the the 3 credit Bureas but still continue to harass me without providing any valid proof that these accounts are mine and I would like these false claims deleted from the 3 Credit Bureas and from my credit file permanently.

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 2019-04-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
This past week I received a letter from real time resolutions, dated XX/XX/2019, showing that I have 3 options to chose from in order to work towards clearing a second lien on my current property. That lien was never officially noticed to me through the courts. Their options are ( 1 ) a temporary payment arrangement, paying over {$800.00} over the span of a year, then the previous (? ) arrangement will resume in effect ( no indication what that was ), ( 2 ) resolution - payoff one lump sum ( $ 16K+ ) that's 1 % reduction from amount owed ( full ), ( 3 ) short sale. Real time cost me my previous attempt to re-fi a couple of months ago. Knowing they did not pay full amount for the aledged debt, pennies on the dollar. Now I am still attempting to re-fi and that is all they want to do. On XX/XX/2019, at approximately XXXX, I spoke with one of their customer service ( XXXX ) representatives, who identified himself as XXXX  ( sp? ). He indicated that the company would take no less than the $ XXXX owed (? ). I offered $ XXXX. He stated no. I told him we were done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: WA

Complaint narrative:
Earlier this month i saw a new collecrions on my account from XXXX XXXX and i never opened an account, nor had service from them. 

Today XX/XX/19 I called XXXX XXXX and i was directed to finance, the women I spoke to took my name and asked me to hold. She then came back on the line and asked me my code, ive never had a code, so she asked what city I lived in and shesaid thats not the town, i said listen lady ive never had an account and she saud well its your name but you cant provide me with the correct information so take it up with thecollection agency. I saud there should be not be in a collection agency lady, your prior employee couldnt find my ss # in your system but you found my name, so why do i have it in collections under my ss #? She said she couldn't help me so, i yelled im turning you into consumers protection and youll pay for the damages then! I recently started a busuness and this is hurting my ability to get new equipment. I want monetary relief in the amount of XXXX for the machine i coukd not purshave due to XXXX XXXX   negligence and this taken off my account asap. Please get back to me as soon as possible. ( XXXX ) XXXX my names XXXX XXXX and i own XXXX XXXX. Thanks.

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 2019-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
HYUNDAI, THIS IS MY LAST AND FINAL REQUEST FOR YOUR COMPANY TO PROVIDE ME WITH THE CORRECT DOCUMENTATION I AM REQUESTING THIS IS THE SECOND TIME YOUR COMPANY HAVE SENT THE CONTRACT WHEN WE HAVE REQUESTED A COPY OF THE APPLICATION THAT WAS SUBMTTED FOR APPROVAL AND FINANCING THAT WAS FILLED OUT AT THE DEALERSHIP AND SUBMITTED TOY HYUNDAI THAT SHOWS XXXX XXXX MONTHLY INCOME EACH TIME YOUR COMPANY HAS SENT THE CONTRACT. WE NEED THE APPLICATION FOR SOME REASON HYUNDAI AND XXXX HYUNDAI HAVE BEEN DODGING NOT SENDING THAT APPLICATION FOR CREDIT, IF WE DONT GET A COPY OF THE APPLICATION I WILL ASK THE STATE ATTORNEY GENERAL TO STEP IN AND ASSSIT. FOR SOME REASON NEITHER PARTY WANT THAT APPLICATION REVEALED. THIS IS OUR LAST REQUEST TO ASK FOR A COPY OF THE APPLICATION, APPLICATION, APPLICATION, NOT CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient has very poorly in the past described what repayment options there are and seemed like deferment was the best option. I make about 2000 a month and XXXX/month is not affordable on top of other living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has allowed a collection agency 's debt/collection amount to remain on my credit report after they have received my letter regarding fraud/identity theft. There is a company named XXXX XXXX XXXX that I have no knowledge of, put two medical collections on my credit report for {$180.00} and {$80.00}, both which do not belong to me. I have never had any dealings with the named company, nor did the company provide me, nor Experian, validation that the debt belongs to me. The company, XXXX XXXX XXXX, did not and can not show written proof of my signature, nor did I provide them any written authorization or consent to obtain any of my medical records or history ; at which, if the debt was mine, they would be in violation of the HIPPA law, as all signatures contain personal medical history and costs of services. Again, I have no knowledge of this debt, no knowledge of this collection agency named XXXX XXXX XXXX, Experian had received information regarding my identity being compromised, and the collection agency can not legally validate to me, nor Experian, through my signature, that the debt is mine. I'm requesting that Experian please remove the Collection Agency named above and the collection debt, which is not mine, of {$180.00} and {$80.00} 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 non-monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I NOTICED SEVERAL FRAUD CREDIT CARDS OPENED UO IN MY NAME AROUND XXXX OR XX/XX/2018 THAT I DIDNT OPEN AND I NEED ANY INFO THAT WAS PROVIDED TO OPEN THESE CARDS IN MY NAME WITHOUT MY CONSENT. I CHECKED MY CREDT TODAY ON XXXX XXXX AND I COULDNT BELIEVE HOW MY CREDT HAS DROPPED TREMENDOUSLY DUE TO THESE FRAUD ACCOUNTS. I NEVER SIGNED FOR ANY CREDIT CARDS OR APPLIED FOR A SAMS CARD NOR WALMART CARD THIS IS FRAUD AND I AM ASKING FOR A COMPLETE INVESTIGATION.

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 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have had this credit card for several years. The last few months I have been hit with late fees, and unjustly. I have tried to make my payments online, like I usually do, and the website would not let me log in. All of a sudden it is asking me to verify myself, then tells me to request a code by text, and when I do, it never comes, after waiting a while I try again, and still the same scenario. I also tried to make a payment on the phone, but it asks me for the full account number, which I don't have. Then it told me that I couldn't make the payment because a current payment was pending. I then tried to ask for a code via email, and when I entered that, it kicks me out of the system and makes me ask for a new code. This cycle is never ending and I can never make this payment on time. I called last month, and she said she would let the correct department know, and that she would set up an automatic payment for me so I wouldn't have to go through this again, and she said she would remove that fee. Well this month, it happened again, I could not log in, doing the same old vicious cycle, and I asked for help again.This time the excuse was that my email was not " verified '' which is why I could not log in. I told her I have had the same email address for years, I never had a problem before these last few months, and how come I get other emails from them if it wasn't " verified ''. They are just making excuses and resorting to dishonest business practices so they can gouge me out of these excessive and unjust late fees.I have always paid my account on time, all the years I have had this card, as well as all my other cards. As soon as I did a balance transfer after not using this card for a long period of time, it seems like they are being vindictive and punishing me, and making up false reasons why I am being charged these late fees. Furthermore, I was able to make the payment the same day that it was due, but their website forces me to choose a later date, and when I try to make a payment on the phone, it says the the current date.So frustrating and unethical!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has allowed a collection agency 's debt/collection amount to remain on my credit report after they have received my letter regarding fraud/identity theft. There is a company named XXXX XXXX XXXX that I have no knowledge of, put two medical collections on my credit report for {$180.00}, which do not belong to me. I have never had any dealings ( including medical ) with the named company, nor did the company provide me, nor Transunion, legal validation that the debt belongs to me. The company, XXXX XXXX XXXX, did not and can not show written proof of my signature that I agreed to any dealings or medical treatments with them, nor did I provide them any written authorization or consent to obtain any of my medical records or history ; at which, if the debt was mine, they would be in violation of the HIPPA law, as all signatures contain personal medical history and costs of services. Again, I have no knowledge of this debt, no knowledge of this collection agency named XXXX XXXX XXXX. Transunion had received information regarding my identity being compromised, and the collection agency can not legally validate to me, nor to Transunion, that the debt is mine. No proof of signature or written consent from me to the collection agency was ever provided by me. I'm requesting that Transunion please remove the Collection Agency named above and the collection debt, which is not mine, of {$180.00} 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 2019-04-20 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:
XX/XX/XXXX I received a call regarding 7 different medical bills that were placed with Keybridge, 2 of the accounts had identical account numbers. That was the first red flag. After going over dates of service and other details I felt the amounts were inaccurate because of the type of bill and insurance responsibility versus my responsibility. I called the original creditor. The original creditor reviewed all 7 accounts and found errors with the billing. They assured me that all the accounts were paid in full and they would contact keybridge to remove all the accounts from their system. 

XX/XX/XXXX I checked my credit and keybridge was still reporting several of these debts. When I called to inquire as to why, they were very rude and telling me I was responsible for the debts and I needed to pay them. When I explained what the issues were they replied that the original creditor did call them but said 3 accounts were still valid debts but the other 4 were removed. I told them I didnt believe this to be true and I would be contacting the original creditor to verify the accuracy of those accounts. When I said this the agent got very rude and informed me that I needed to contact my insurance company and I was NOT to call the original creditor. I told them I would do what I felt was necessary. He continued to insist I call my insurance company and was very insistent and rude telling me not to contact the original creditor. 

XX/XX/XXXX I contacted the original creditor who assured me that on XX/XX/XXXX they found the errors and the debts were invalid and had a XXXX balance. They also informed me they had contacted keybridge and told them the same thing. They also sent an email to keybridge on XX/XX/XXXX to tell them that these 3 debts are invalid. 

My concern is when I knew there was a discrepancy they tried to bully me into paying and not fully verifying the accuracy of what I owed. They tried to get me to take steps that would not provide the correct results. If I were to contact my insurance, it would not have found the billing issue on the creditors end. When I told keybridge the creditor had a billing issue they was insistent that I do not contact that original creditor to resolve the problem. This is unfair and very deceptive.

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 2019-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I surrendered my car two years ago because of hardship. I could not keep up with the payments..I really believe that the vehicle was way over priced. I needed it because the one i had prior from the same dealership had computer problems, that could not be remedied. So i needed another vehicle for work at that time. After getting the vehicle i looked at the " blue book '' value and realized that i was charged {$15000.00} dollars more then the car was worth and payments almost {$500.00} a month + insurance. So when i could no longer work because of health issues. Which I relayed to the lender. And was put on a payment plan.I found myself struggling to survive. I am on XXXX now. I received a letter from XXXX XXXX XXXX with an offer to pay 25 % of the debt. I called and was told i would have to pay it off in 3 month. When i called back. I got another irate representative that told me that i could not pay what i had agreed on. I ask why,,, she demanded that i pay the whole amount. Because of my XXXX i can't afford to go back and forth with this. I need help.

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 2019-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I started getting letters from PayPal credit. I do not even use PayPal. Never had account with them. There is fraud on my credit report that prevents me getting stuff like this.

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 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
I was looking for a credit card last year. They returned my call at a terrible time to go over my application. They said due to legal regulations they needed my wife 's social since arizona was a community property state. I told them I didn't have it, and I didn't want her name on it or her to have a card, he was very pushy. I told him I had to go and to just forget the whole thing, and if I wanted a card later I'd call back. When I got home I forgot all about it because I remembered I already had a credit card from another bank. ( After making some financial mistakes in my past, I don't really use credit cards any more other than to repair my credit so I can buy a house. We are getting ready to buy a house now, and I see that months later he actually did approve my application and give me a credit card which I do not want, or need and it hit my credit. The recording of the call will plainly show that I did not want them to proceed with the card and declined it yet it was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CONGRESS COLLECTION CORP
State: WA

Complaint narrative:
CONGRESS COLLECTION- claims medical debt as of XX/XX/2016 for {$1600.00}. Validation letter sent requesting proof original contract with original signature, payment history and etc. No response. Dispute with XXXX  with no update information. No details were provided for such medical claim. At the time the date listed above I was leaving in XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation