vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions, Inc.
State: CT

Complaint narrative:
The complaint started with the physician 's office and XXXX XXXX XXXX XXXX. The physician sent my blood samples directly to the hospital lab even after i asked they hold the samples till the end of day so I could check which of the two lab options my insurance company offered was the less expensive option as I was still trying to fulfill my deductible for the year. The doctor 's office is affiliate with this hospital and therefore my bloodwork was automatically sent to the hospital - the more expensive lab option. My responsibility was {$310.00}. The competitor lab was the second option the doctors office could have sent the samples to since the practice also had an account with them and they were also in network with my insurance company. The competitor lab charges would have been {$120.00} for the same batch of bloodwork. I tried to negotiate with the hospital to " match '' the competitor fees and they refused. They were willing to go down only {$100.00} so my balance would have still been {$210.00}. This was a " spot quote '' by the hospital and i was expected to give them a card number on the spot if I wanted the discount. Since I was driving when they called, I could not oblige. They sent me to collections - RSI. RSI first contact with me was by phone was XX/XX/2018. I called back in XXXX and asked for a Debt Validation Letter since I never received one in the first place. The woman I was speaking with on the phone did not know what a Debt Validation Letter was but said I would receive one in the next 7-10 days. What I received almost one month later was an envelope with insufficient postage ( the post office actually stamped the missing postage and circled it - see attached ), my actual medical tests with my medical results AND another patients medical tests and reports ( a pathology report ) attached to mine. This individual is in no way someone I know or am related to. Both reports had medical diagnosis, and other sensitive information such as DOB, SS #, addresses, insurance company names, and so forth. I wanted a Debt Validation Letter. Instead I received my medical tests and an unrelated parties medical tests - from a collection agency mailed to me in an envelope with insufficient postage. I wonder how the elderly man who's pathology report I received would feel if he know I was privy to his most sensitive personal information and condition due to RSI 's  incompetence. 

I mailed a Dispute Letter ( see attached ) and received back yet another " we did everything we were supposed to do and pay up '' demand. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
I get many phone calls from this " attorney '' and often a recorded message about debt collection for a XXXX XXXX ( or XXXX ). I don't know this person. This is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one was suppose to close my account down in XXXX. It has now been 6 months and the account is still open but on hold and no funds can be taken from the account. I have been reaching out to capital one every month about this and no one ever returns my call to assist me and they are just racking up interest on the balance. I have tried numerous time to resolve this and Capital One has done absolutely nothing to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Narrative of my 30 Day Dispute With this current auto loan with Wells Fargo Dealer Service, I have never been late with any payments on this auto loan. I have attached all payment receipts for this account for your review. 

This situation was beyond my control. I was involved in a XXXX car crash on XX/XX/2018. A woman in XXXX XXXX California was XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX residential area at XXXX XXXX, she ran a XXXX XXXX hit a car and XXXX that person, and his car hit my car. 


The woman who caused the accident had refused to talk with her insurance company XXXX because she was advised by her Attorney not to talk to anyone so she would not incriminate herself, so my insurance company XXXX paid off my car minus my $ XXXX-dollar deductible and the {$580.00} that I owned on the car more than what the car was worth. 

I was in constant contact with Wells Fargo Dealer Service trying to make sure everything was going according to plan and making sure this loan gets paid off in a timely manner. After Wells Fargo Dealer Service received the payoff from XXXX, I contacted Wells Fargo Dealer Service on XX/XX/2018, to pay off the remaining balance, when I spoke with the supervisor about paying off the car with my Credit Card, the supervisor told me that Wells Fargo Dealer Service does not accept Credit Cards. 

I explained to the supervisor that this was an insurance claim, and I wanted to pay off the balance of {$1500.00} because XXXX had not accepted Liability of the accident that happened on XX/XX/2018, the supervisor said that there was nothing she could do because we dont accept Credit Cards. 

On XX/XX/2018, I called Wells Fargo Dealer Service once again trying to resolve this issue. This supervisor was very informative, and he explained everything to me about a program that could help me, which is called the XXXX XXXX program. The next day XX/XX/2018, I immediately started the process in enrolling in the Insurance Deficiency program. I was approved for the Insurance Deficiency program. 

The supervisor who I talked to on XX/XX/2018, never informed me about any programs that would be able to help me in my dire financial situation, nor did the supervisor explain to me that the account went back to normal when Wells Fargo received the insurance claim check. I, as a consumer and a loyal Wells Fargo Customer who was not aware of any of this information. If this supervisor who I spoke to in XX/XX/XXXX would have informed me about the insurance Deficiency program, I would have enrolled in the program at that time and not have this 30 day late sitting on my credit 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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to XXXX and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to XXXX 4 years ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to XXXX and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX  and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to XXXX 4 years ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/2018, this company reported a debt to my credit report that was not accurate. I called them and explain to them that they client never filed a claim under my health insurance to get paid. Even that I provided them with the insurance information. 
Furthermore they clients received a certified letter from my attorney in XX/XX/2018 stating that any bills that is not paid by the health insurance will be cover by the accident settlement. I also called XXXX XXXX XXXX that I formed me they received the letter and advised all their physicians account managers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I was checking my three credit bureaus reports on XX/XX/2018 and noticed a tradeline unknown to me listed as collections. Company : DIVERSIFIED CONSULTANTS , INC . 
To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate DIVERSIFIED CONSULTANTS , INC . for FDCPA, FCPA also FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: NY

Complaint narrative:
hello I was checking my credit report through CreditKarama.com and I saw a hard inquiry from a source that I do not recognize, and the report gave me the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and that was XXXX XX/XX/2018XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: UT

Complaint narrative:
I lived at XXXX XXXX in XXXX, my lease was up and I vacated in XXXX. After leaving the apartment complex thought I had signed a 13 month lease and tried to charge me for additional rent. After collecting paperwork and meeting with them I was able to resolve that I indeed had a 12 month lease and had not violated any terms. I left thinking the issue was resolved. Apparently I still owned {$79.00} in cleaning fees. Which I was not notified of until XX/XX/XXXX. Once I was made aware I immediately paid the amount and have receipts and bank statements to prove this. However NCC business decided to claim that the amount owed was in collections. They contacted me several times to try and collect the money that I had already directly paid to XXXX XXXX. I told NCC I would not pay them because the amount was already settled. NCC refused to contact XXXX XXXX to verify this information and continued to claim it was in collections. I sent them documentation repeatedly that this was paid for. I thought the issue resolved since I had paid in XXXX. Now inXXXX I was purchasing a home and my credit was reviewed. My loan agent brought to my attention that the {$79.00} was still considered to be in collections. I sent a dispute and evidence to NCC and demand that they remove it. They refused for months. Because I had to close on my loan or risk losing the house my lawyer advised me to remove the dispute and wait a year until my loan settles and my credit is safe to dispute again. Now unfortunately my loan rate was severely affected by NCC claim that I had debt. In fact my credit has been affected since XXXX because they lied about me not paying the debt. I reached out to them a year later when my loan was settled and my credit safe as my lawyer suggested. I have sent documentation over and over again to NCC to prove I paid in XXXX. They refuse to make any changes or compensation for my time, hassle, affected credit, and negligence on their behalf. This could have been resolved in XXXX. Instead its continuing to affect me 6 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Webster Bank reports 120-180 days lates every month and this accounts date of last activity was XX/XX/2012. This is illegal to do and was never properly charged off or reported correctly. They have ignored my attempts at fixing this and we need you to hold them accountable for their FCRA violations. See attached screenshot

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GSA Commercial Asset Management
State: CA

Complaint narrative:
Good Morning These people have been calling my mom and even my ex-husband whom I haven't spoken to in eight years. I was divorced in 2011 and just recently got a call from him saying, " these people keep calling my phone asking for you. '' " How did they get my number? '' I told him I haven't taken out any payday loans in a while, and if I did, I'd never list him as a reference. I have not personally received any call from these people, which is even more strange. I checked the number online, and it said they were scammers. I am reporting this due to the harassing phone calls my mom has received, as well as my ex-husband who told me he just got a new number and has no idea how they got it. 
Here is another number they've called my mom and ex-husband from XXXX. Thank you for resolving this matter.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Dear Commonwealth Financial System After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Our mortgage was recently sold to Rushmore Loan Management company. We arranged online bill pay through our bank, XXXX, to send the payments like we always do. On XX/XX/XXXX, XXXX sent the first payment of {$3300.00} and it was received and applied to our mortgage. On XX/XX/XXXX, XXXX sent another payment of {$3300.00}. However, Rushmore is claiming they do not have the money. We sent this payment the same way the previous payment that they processed and cleared with the same account information, etc. They then said that if we didn't pay another payment for XX/XX/XXXX, since they never received the payment, we would be charged late fees. So, we used their online system to send the XX/XX/XXXX payment on XX/XX/XXXX, and then we also paid XX/XX/XXXX with their online system on XX/XX/XXXX. Yet, we still have not received a credit for the missing XX/XX/XXXX payment of {$3300.00} from our bank account. 

Every time we call Rushmore to try to resolve this issue, they never know what is going on and never have any answers. They tell us that they are researching until a certain date, then the next time, we get a new later date. It is extremely frustrating and the company representatives have not been helpful in assisting us to locate our missing {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My business partner and spouse, recently had a suffered a XXXX XXXX XXXX brought on by what her doctor believes now was XXXX. And due to her illness at the time, she had me legally removed from our business and my access cut off from our business account. Unfortunately because of her illness her XXXX XXXX was XXXX XXXX and she totally lost control of our business checking account, and we incurred over 4800 dollars in late fees since XX/XX/2018. Since I had no access to our accounts and since I was never contacted by the bank myself, I had no idea about she had been so reckless. Upon my return a few weeks back, I've tried to get our Bank of America to remove the over draft charges due to our hardship and the fact I was never contact myself and hence had no idea such had occurred. My request has basically been denied and considering the circumstances of our hardship created by my wife 's medical condition, I am asking for some assistance on this matter. Enclosure ( 1 ) is a list of the charges incurred from XX/XX/2018 till yesterday. Thank you advance for any assistance you might be able to offer.

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