vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
I 've never received any correspondence and any debt validation notice from MIRAMED REVENUE GROUP. I called the number listed on the credit report. Only to be given incorrect information. I request for debt validation as well as proof of date of service for so call medical bills this bill is for. The rep. " XXXX '' informed me that MIRAMED does not have nor provide this information for date of service etc. I inquired how can you bill me if you are not providing me with all the details etc. She informed this is their collection policy etc. I told her to have MIRAMED send me a debt validation letter along with the detail for the date of service they are now attempting to collect for etc. 
She said they will not be able to provide that information that I would need to call my insurance company. Why would I need to call another entity when MIRAMED REVENUE GROUP is the one stating I owe the bill not my insurance company. 
Please have this company stop their bad debt practice. I want this information removed from all credit files XXXX XXXX and XXXX FROM UNDER MY NAME ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received a Promotional mailing from Synchrony Financial for my Synchrony Home credit card stating that I would earn {$150.00} cash back on a purchase of {$1400.00} or more with my Home Credit Card on purchases made before XXXX XXXX, XXXX. I made such a purchase at XXXX XXXX XXXX for furniture in the amount of {$1800.00} on XXXX XXXX, XXXX. When I contacted Synchrony in XXXX about the promotional credit I was informed by them that they " posted '' my purchase on XXXX XXXX, XXXX, ( one day after promotional ended of course ) and therefore I am not eligible for the {$150.00} credit. Purely fraudulent in my view.

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 2017-12-06 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with syncrony bank/ XXXX  XXXX that is in collections and showing up on 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 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Financial Solutions, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX called me at XXXX XXXX on XX/XX/2017 from a deceptive phone number XXXX. They are not a local company to my area. As soon as I answered the phone a man started asking me why I had n't paid my payment arrangement. I asked who he was with and said that I have never made any payment arrangements with anyone for anything. I asked him what he was talking about and he said I had made payment arrangements and did n't pay them. He said I was on recording making those arrangements and I repeatedly told him that I have never made arrangements with anyone for anything because I did n't know what he was talking about. I asked him to send me a copy of the recording if what he was saying was true. He told me " No, I do n't have to ''. I then told him that under Federal law, he had to send me proof of anything he was claiming. He then told me that I did n't know what I was talking about and to shut my mouth. He said that I needed to pay my bills and to shut up and get off his phone. He then hung up on me. He was very verbally abusive to me and called while I was at work and would not agree to validate anything he was claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: PNC Bank N.A.
State: AZ

Complaint narrative:
I traded a car that was financed through PNC Bank on XX/XX/XXXX. The dealer sent a check to PNC Bank in XXXX via XXXX on XX/XX/XXXX, which was received and cashed by PNC on XX/XX/XXXX, per the information on the back of the check. The correct VIN and PNC account number was provided on the document attached to the check, along with dealer information. However, the funds were never credited to the loan account, despite numerous phone calls to PNC Bank by me and the dealer 's finance/accounting representative. I personally have been in communication on a daily basis with no less than 5-6 individuals at PNC Bank, 3 of them in the Escalation Department with no resolution of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
In XXXX of 2017, I agreed to pay a delinquent credit card debt that had been purchased by Portfolio Recovery Associates. The rep I spoke with agreed that the charge off would be removed from my credit report upon payment. I paid it off and received a letter stating that the debt had been settled. Three months later, it 's still being reported on my credit. I 've called and emailed customer service. They all tell me that they do n't do pay to delete and they are not responsible for what their reps told me. They also told me that it was in fact illegal for them to remove it and that only the credit bureaus could do that. Which is a blatantly false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a purchase on a Sunday with XXXX. Hour 's later i canceled the order and never received the order. Here is a copy of the transaction XXXX XXXX, XXXX Pending* XXXX XXXX. XXXX WA XXXX XXXX {$150.00} I have called both XXXX and Citibank. XXXX stated over a week ago they refunded the charge as i canceled the order on the same day and gave me a refund confirmation number of XXXX. This charge was cancelled and i am still being charged for an item i never received. 

Citibank bank lied to me and stated they would do a three way call and then transferred me to another department that said that was not true and they do n't do three way confirmation call 's. 
I then was forced to cancel all my accounts with Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: PA

Complaint narrative:
Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXX XXXX XXXX XXXX that is in collections and showing up on 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 2017-12-06 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: PA

Complaint narrative:
Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXXXXXX XXXX XXXX XXXX that is in collections and showing up on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Hard inquiry done twice on same day for same purpose with 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 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
They constantly call and ask to speak with a person I 've never met before. Despite telling them that they have the incorrect number they harass me multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have two credit cards with Bank of America. I made two payoffs on Monday XX/XX/XXXX which usually post the next business day. I went online to ensure those payments hit my bank account I did not see the payments post. I called Bank of America Credit Card customer service and said I do not see these payments posting and they told me they do not see these payments being scheduled on either account. I asked the rep on Tuesday the XX/XX/XXXX are you sure and he assured me no pending payments were completed and said it may have not gone through. He suggested I make the payments again. Today I come into work and check my account to see if those payments were posted and they posted not only the two they said they did not see, but the ones I paid yesterday. I am now overdrawn and my mortgage and car payments etc are in jeopardy of being returned. I called XXXX XXXX XXXX at XXXX and he said they can not do anything and the earliest I they could credit me is three days. I called back and asked to speak to a manager they said it would take 5 days and said they could only give me refunds for all my trouble if my checking account is with BofA which it is not. I asked to get a address or phone for complaints to the office of the president and he said they do not give that information and I need to go look online. The floor manager never came on the line but relayed the information through the rep which was very humiliating. I am out almost 6k and they see the large credits on my credit card account but refuse to make me whole.

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 2017-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
Good Morning XXXX XXXX and Gentleman : For the first time in my XXXX years of life I have had to file FTC complaints for the three subjects noted above which have each occurred to me in the past 2 weeks. The FTC File numbers are as follows : Identify Theft : XXXX - Unauthorized Debit Card usage by an unknown party in XXXX XXXX, CA. and investigated ( concluded to my satisfaction by XXXX XXXX XXXX ). 

Internet Wi-Fi Scam and Phishing : XXXX - Wi-Fi lock-up of 3 personal laptop computers through our XXXX XXXX ( they are without fault as the line is password secured ) and a phone number to contact on the screen ( internet access denied ). I called and they claimed they were not XXXX but were an affiliate with XXXX certified technicians. I have informed XXXX of same. They wanted {$990.00} to free up the internet service. Company name ( probably bogus ) was XXXX XXXX. Collection of funds company name XXXX. This saga continues as they have utilized various means via e-mail, phone and using XXXX  messaging with subsequent phone scam, to get me to use the word " YES '', I have not! The most recent contact was yesterday afternoon ( XXXX related phone scam ) at XXXX XXXX CST. I have informed XXXX and closed my account. Unfortunately, any one of 280+ connections I had on XXXX are subject to compromise. One of them was XXXX Senator XXXX XXXX ( I 've know him personally for over 30 years ), and many other wealthy and influential people have been exposed. I expect more problems from these scammers today and beyond. My XXXX Profile identified me as the Founder & President ( CEO ) of XXXX XXXX XXXX XXXX. and Author & Publisher of " XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. 

Unfair and Deceitful Business Practices : XXXX - XXXX XXXX XXXX , XXXX. - Details unimportant but they have used phone and e-mail to communicate with me committing to refund monies to resolve dispute and no refunds have been issued nor do I anticipate that they will. 

I have printed documents involving each of these 3 events and can forward them to the appropriate party ( ies ) at your direction. I will allow the FTC to do their due diligence and arrive at their conclusion on each case. I did contact the FTC by phone once to provide additional information on the Scam and Phishing complaint and was very disappointed by the lack of interest expressed by the FTC call center staff. I will continue to ward off future attempts by the scammers to gain financial or personal/professional information from me. 

I greatly appreciate your time, attention and future suggestions. Thank you. 

XXXX XXXX Founder & President XXXX XXXX XXXX, XXXX. XXXX Author and Publisher Senior Citizen & Taxpayer ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been in continuous contact with Experian regarding updating my personal information. I have documentation submitted to me from their office showing that my personal information has been undated. My current address is still not reflected, information that was removed from my credit report is now back reporting, and fraudulent accounts that have been verified by myself and the creditor are still reporting. 

I have been in contact with their office via mail and phone and have received documentation that the inaccurate information has been removed. Only to pull my reports today and see that they are still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I made two separate XXXX fund transfers of {$300.00} each for a total of {$600.00} to a person on XXXX on XX/XX/XXXX. I was charged {$600.00}, but the payee only received {$300.00}. {$300.00} was lost in transit. 

On XX/XX/XXXX I made three XXXX money transfers of {$300.00} each for a total of {$900.00}. I was charged {$900.00} but the payee only received {$300.00}. {$600.00} was lost in transit. 

I have contacted XXXX numerous times requesting a refund without results. The payee has also contacted XXXX numerous times to confirm they only received a total of {$600.00} although I sent and was charged a total of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
In XXXX XXXX, Diversified Consultants Collection agency reported a balance to all three credit Bureaus ( XXXX XXXX XXXX XXXX XXXX. I 've just learned that they reported when I pulled my credit report on XXXX/XXXX/XXXX. I 've called the collection agency several times since XXXX, and they refused to remove the collection from my reports. I 've called all three credit bureaus since XXXX and only XXXX has taken it off. TXXXX XXXX XXXX will not take it off and stating that the collection will remain on my report for 7 years. I can not afford for an {$0.00} balance collection to be on my report for 7 years. I am trying to buy a house in the next 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
Borrower : XXXX XXXX, Property : XXXX XXXX XXXX XXXX, CA, XXXX. 
Loan number : XXXX On early XX/XX/XXXX, writer requested via phone requesting cancellation of private mortgage insurance ( PMI ). 
By XX/XX/XXXX, The Money Source ( TMS ) sent a letter regarding the conditions to be met before PMI can be cancelled. I opted to go for request based on Original Value. I sent a {$200.00} dollar cheque for Broker Price Opinion.  Nothing happened. 
On XX/XX/XXXX writer made a call to customer service ( talked to XXXX -supervisor ) made a follow up on my PMI cancellation application. XXXX said they will escalate my inquiry. 
XX/XX/XXXX, writer called customer service department regarding third party appraiser did not come in. Representative said " I ca n't do anything ''. 
On XX/XX/XXXX, a third party company came to the property to take pictures. 
On XX/XX/XXXX, writer made a follow up on PMI cancellation application and the representative said " I will escalate that inquiry to my supervisor. You should be receiving a letter after 30 days after the 3rd party appraiser visited your property ''. 
On XX/XX/XXXX, writer made a follow-up and said " I will escalate your request ''. 
Nothing happened. Frustrated. 
I know I will qualify for PMI cancellation based on Original value because my LTV ratio is below 80 percent and I am up to date on my monthly payments. I need your help to expedite my request as TMS is using a delaying tactic. 
Thanks a lot.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I received an online bonus offer to open a new checking account, and that if I made {$2500.00} in direct deposits, and maintained a balance of {$2500.00} for 95 days, I would receive an account opening bonus of {$300.00}. 

I received a bonus {$150.00}. I was told that the bonus was for a different type of checking account ( even though I followed their link for the {$300.00} bonus ), even though I made the appropriate direct deposits, and maintained an over {$5000.00} balance for over 95 days. 

I 've made a few calls into customer service ( on hold for over 30-45 minutes each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt was included in a bankruptcy years ago!!! It has already been deleted from my XXXX credit report and still is showing on my Experian credit report Ive called many times and no resolve!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NY

Complaint narrative:
On XX/XX/XXXX I started the process for a XXXX XXXX on my property. Beginning of XXXX XXXX we submitted the initial offer on the property for {$180000.00} and an interior XXXX was ordered by the servicer ( Selene Finance ) on behalf of the investor ( XXXX XXXX XXXX ). On XXXX XXXX we received a counter offer for {$260000.00} from XXXX XXXX ( negotiator ) assigned to the file. On XX/XX/17 we submitted a buyer counter offer for {$230000.00} with a net amount of {$210000.00}. On XXXX XXXX we received a counter offer from XXXX XXXX again with a net amount of {$220000.00} requesting a response by XX/XX/17. On XXXX XXXX we submitted a buyer 's counter for {$230000.00} and lower the realtor commission to XXXX % to make the deal work with total net amount of {$210000.00}. On XXXX XXXX we received a response from XXXX XXXX advising us that the offer was declined by the investor and the only option given was a XXXX XXXX XXXX. on XXXX XXXX we submitted a new buyer counter offer for {$240000.00} with a net amount of {$220000.00} and received a response on XX/XX/17 that the offer did not met the investor request of {$220000.00} net requested. On XX/XX/17 a new buyer offer for {$250000.00} with a net amount of {$220000.00} was submitted for investor 's review. on XX/XX/17 the investor requested to have an insurance claim completed on the property, the insurance claim was filed and completed. The insurance claim was submitted to investor on XX/XX/17. On XXXX XXXX the investor ordered a new interior XXXX  because the previous XXXX has expired and the new one was completed XX/XX/17.After the new XXXX came back, I received a response to let me know that now the investor wants {$100000.00} more for a total of {$320000.00} net based on the " AS REPAIRED value of the property ''. This is a clear malpractice and abuse that some of the mortgage investor 's are doing regardless of the financial situation of the mortgagee. This type of abuse must be stopped by our federal government and any investor doing such practice must penalized. The investor is abusing their position and taking advantage of the customer.

Company response to consumer: Closed with explanation