vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
So I get this debt that XXXX XXXX XXXX XXXX claims I owe them {$210.00}. Thats funny cause I spoke to their CEO on this situation, they claimed they would make it right. I mean how man times does a hospital misdiagnose people, I mean lets take example here when I come down sick they walk in take my XXXX listen to my XXXX and say I have an XXXX XXXX  XXXX how do you diagnose that, so at this point I get a 2nd opinion from another medical facility that took the time to run the tests, they examined my XXXX even doing an XXXX of my XXXX. They found nothing wrong within my XXXX but they did find out that I had XXXX XXXX and an XXXX XXXX. 

So after speaking with the Parent Company of XXXX  XXXX XXXX XXXX  and their CEO and their Director of Emergency Care they both claimed they would make this right but apparently that must have been a lie right to my face cause they wan na charge me for WHAT misdiagnosing me, maybe I need file a complaint with the TEXAS MEDICAL BOARD cause this hospital constantly misdiagnose people, nothing against the company its the staff the needs to be overhauled

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates, LLC will not stop calling me even though I've requested many times that they stop calling me. I'm a XXXX Veteran currently living on SSI while I await my claim with the VA and suffer from XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX and many other illnesses. 
The last time they called was XX/XX/2018 around XXXX and the lady said her name was XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
We are military. This has gone on through one move. 
XX/XX/XXXX bought furniture paid in full while living in XXXX, XXXX. 
XX/XX/XXXX furniture delivered in XXXX, XXXX XX/XX/XXXX notified merchant furniture was damaged - XXXX, XXXX XX/XX/XXXX independent furniture repair co. ( XXXX ) hired by merchant evaluate the furniture and deemed it damaged not delivered as agreed- XXXX , XXXX XX/XX/XXXX second independent furniture repair co. ( XXXX ) hired by merchant evaluated the furniture and deemed it damaged not delivered as agreed- XXXX, XXXX XX/XX/XXXX - Merchant offered to re-order and deliver. In good faith we accepted re-order and delivery XX/XX/XXXX - New delivery damaged once again by delivery crew, so we refused delivery. Did not pick up old furniture because crew did not have " orders '' to do so. - XXXX, XXXX XXXX XX/XX/XXXX - Merchant agrees to have old furniture picked up and apologizes for confusion - XXXX, XXXX XXXX XX/XX/XXXX notified merchant in writing that we wanted a refund, nothing else. Merchant said they would not give us refund, we would have to take old broken furniture and pay for delivery since we had refused it. - XXXX, XXXX XXXX XX/XX/XXXX Merchant called to notify us that furniture was back in their possession. 
XX/XX/XXXX sent another email asking for refund and pick up of their broken furniture XX/XX/XXXX filed dispute with USAA credit card, that per XXXX the goods were not delivered as agreed upon. 
XX/XX/XXXX USAA denied dispute stating that the merchant is willing to work with us ( this is not true ) XX/XX/XXXX elevated dispute with USAA. 
XX/XX/XXXX USAA request we contract a furniture expert to evaluate furniture in order to re-open and address our credit card dispute XX/XX/XXXX for {$150.00} XXXX rep came to our home to examine furniture and give us a written report confirming that furniture was not delivered as agreed to and that it is indeed broken XX/XX/XXXX USAA once again denied our dispute because the merchant is willing to work with us. We explained again that what the merchant wants us to pay THEM {$770.00} to pick up their damaged furniture and they will refund the rest of the money. They NEVER put this in writing, it is all verbal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
On XX/XX/2018 A Motion for Judgment on the Pleadings was mailed to my residence from Lloyd & McDaniel stating that a court date had been set for XX/XX/XXXX in XXXX county District court. This was the first knowledge that a lawsuit had been filed against me. I had not been served previously with a Summons/Complaint as described by Kentucky statue. Having not been properly served, I was not afforded the time to file an answer. 

Checking with the court, the lawsuit was filed on XX/XX/2018. I had previously written a letter to Lloyd and McDaniel stating my financial situation. The letter dated XX/XX/2018 was a letter in general and did not attest to any knowledge of a lawsuit. Lloyd & McDaniel used this letter as an answer to an unserved  summons/complaint. The letter was written over the 20 day time frame for an answer, so could not be construed as an answer. 

Lloyd & McDaniel was granted a summary judgment on XX/XX/2018. I am disputing this action. I feel that Lloyd & McDaniel has been granted this summary judgment using unethical methods to obtain the judgment. I have a letter from the original creditor that the debt was written off, but yet, the lawsuit stated that the original creditor was the Plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/18, we wrote a check on our Wells Fargo checking account for {$4000.00}, and mailed it to a business named " XXXX XXXX '' in XXXX XXXX, FL to pay for some aluminum shutters at our home in XXXX, FL. 
After several days, XXXX XXXX advised me that they did not receive our mailed check. 
We then contacted Wells Fargo who said that the check had been paid out to a " XXXX XXXX '' ; it was endorsed and posted on XX/XX/18 into an un named XXXX Bank account. Wells Fargo was told that the check had not been made out to XXXX XXXX, and XXXX XXXX confirmed that " XXXX XXXX '' is not a signer or employee at their business. XXXX XXXX stated that they had determined that this check, along with other payments, had been stolen from their mail box in XXXX XXXX. They notified the Postal Inspector and made a report. Wells Fargo will not tell us what XXXX branch location the check was deposited at and/or the account number to assist us in a criminal investigation and reimbursement for our funds. We did file a police report of our loss at XXXX County Sheriff but they can not investigate the issue further without the location of the deposit transaction. Case # XXXX. We wish to prosecute for Fraud and Grand Theft. We also reported our stolen check to the Postal Inspector and the FDIC. 
We filed affidavits at Wells Fargo regarding the Fraud and Theft and were given a claim number. Claim ID XXXX. The bank refuses to cooperate, refund our account, or reimburse us for our loss. They advise us that they have no plan to credit our account, nor are they conducting an investigation at this time. Isn't our bank insured? Please help us. We are crime victims. 
Thanks for your assistance.

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 2018-09-28 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: TX

Complaint narrative:
XXXX XXXX XXXX is a result of a fraudulent account of XXXX XXXX XXXX  sent in theft report and Equifax have not removed yet. 
XXXX XXXX is a result of fraudulent account and Equifax have not removed yet. 

XXXX XXXX  is a result of fraudulent account and Equifax have not removed yet. 

XXXX XXXX XXXX  is result of fraudulent account and Equifax have not removed yet. 

Inquiries : XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Incorrect Addresses I provided Id and supporting doc of address and they still wont removed address : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Calvary Portfolio Services has called my place of employment 5 times on XX/XX/2018. 

Calvary Portfolio Services calls my personal phone at least 10 times a day everyday I do not want Calvary calling my work or my cell phone and I have already asked them to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: EQUIFAX, INC.
State: MA

Complaint narrative:
submitted evidence that they are reporting incorrect information on my XXXX accounts and they still found nothing wrong. Shows late payments when the account is under forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 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: MA

Complaint narrative:
submitted evidence that they are reporting incorrect information on my XXXX accounts and they still found nothing wrong. Shows late payments when the account is under forbearance.

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 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
i left my card at a grocery store.the store threw it away or someone pick it up and threw it away .i reported to citi bank card abt the loss and to receive a new card.they refuse to send me the paper for the card/they lied they were sending the form.it been 3 weeks since I first ask.then 4 days ago another customer service said she be sending me the form for a new card..i said NO.they lied to me to begin with..they been sending me text to an old phone NOT my phone now.even tho I told them I have only ONE cell phone.they refuse to send the text to my phone.they refuse to close my account.

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 2018-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I have two vehicle loans with Ally Financial Services, one is for a new vehicle purchased in 2017 and a used vehicle purchased in 2017 as well. I am only about 14 days behind on my payments for both vehicles and I am planning on paying both loan payments within the next 3 days. They have been calling me up to 20 times per day every day for about the last 10 days and they will call me two times in a row on my personal number and leave a message each time and then call me two times on my work number and leave a message both times and then switch back to calling my cell phone back to back. This is tantamount to harassment in my opinion. It is not like I am 30+ days late on my loan payments and they are calling me non-stop! I was not able to select the exact problem on the previous questions because there wasn't really an option to select that matched up. Please do something about this, it is honestly ridiculous. 
Here is a list of the call times today as of XXXX XXXX : 2 calls back-to-back at XXXX XXXX today on my personal number 2 calls back-to-back at XXXX XXXX on my work number 2 calls back-to-back at XXXX XXXX  on my work number 2 calls back-to-back at XXXX XXXX on my personal number That is already 8 calls by XXXX XXXX today and I will be getting these phone calls all evening until at least XXXX which could amount to at least 8 more phone calls!

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 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Complaint 1 : Currently Navient is showing 5 student loan for XXXX University as of XX/XX/XXXX. I attended XXXX University for only 2 weeks in XX/XX/XXXX and was assured the student loan received for that 1 class was returned to the lender in totality. I sent a letter to XXXX University making them aware of this issue with no reply, I sent a letter to Navient with no reply and this was after calling their customer service and complaining. 2nd complaint, Navient 's calculations of my student loans is incorrect, I was told by a Navient representative that entering an income based repayment plan would be the same as my regular payment and thus continue to decrease amount owed. This is not what is happening as my payment is driven off my income, which equates to less than regular payment and my balance continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have been trying to get this resolved with Navient and XXXX XXXX XXXX but no one is able to assist me. My credit report is reporting two derogatory items for the same exact loan and is a duplicate item. I have spoken to Navient who is sending me to The Department of Education, which is being handled by XXXX XXXX XXXX, and they are telling me they cant do anything I have to call Navient. When reaching out to Navient they are turning me to The Department of Education. Not to mention when I was trying to pay this debt off in 2017 I was told I had no other option but to pay a settled amount or not pay at all. I was only {$80.00} short of paying the full amount and was told I had to just settle for less or continue getting called every hour by the collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: CT

Complaint narrative:
Morning, I opened a checking account as a new customer with Key Bank in XXXX, CT last month. Key Bank was offering {$400.00} for every new account opened with two direct deposits and payable within 60 days from the opening of an account. 

I have been working from home on a recommendation from a XXXX. I went to go deposit a check from my dad for {$180.00}. and this bank has two slots, one for cash, and one for checks which I didn't realize. Upon trying to deposit the check, I must have hit cash and could not exit out of the transaction at the ATM. I tried a {$1.00} bill, an envelope, nothing worked, so I put in a blank check from an old bank just to get the transaction finished so I could actually deposit the {$180.00}. The second time I tried depositing it, it was successful. 

Then the next day, based on an email from a friend, I signed up for a second job as a XXXX person. A bank check, appeared to be a bank check, arrived and I deposited it for {$2300.00}. After sleeping on this deposit, it seemed weird they never asked for a Ssn for tax purposes, etc. I called Key Bank and a gentlemen told me to just watch my account. That didn't sit right with me, so I reported it as a fraudulent check the next evening. I've gone to my local police, submitted any and all paperwork to KeyBank, was forced to close my account and told KeyBank will not open a new one with me! Mind you this is days before they should pay out the {$400.00}. I haven't switched banks in a long time, and have never had such a horrible experience. The guy upon opening my account at KeyBank was asking about jobs at my company, and what his friends in XXXX could do to apply as well. Now they won't open a new account-which is fine at this point-but they also mentioned absolutely nothing about the promo deposit of {$400.00}. I have never worked with such an unprofessional bank or heard of refusing to open another account. I would like someone to look into this and explain why they are refusing to accept customers and negating their promo.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is a result of a fraudulent account of XXXX XXXX bank sent in theft report and XXXX have not removed yet. 
XXXX XXXX is a result of fraudulent account and XXXX have not removed yet. 

XXXX  Bank is a result of fraudulent account and XXXX  have not removed yet. 

XXXX XXXX bank is result of fraudulent account and XXXX have not removed yet. 

Inquiries : XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Incorrect Addresses I provided Id and supporting doc of address and they still wont removed address : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: WI

Complaint narrative:
Unsolicited credit card was sent to me in XXXX of XXXX from XXXX with my name on it. I called XXXX and told them it was not mine and I never applied for it. I told them to cancel it. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying a debt from that card was referred to them in the amount of {$2200.00}. I called them and talked to a XXXX XXXX. He gave me a SS # that was not mine and I told him the last 4 digits of mine. I sent them a letter disavowing that this was my debt. 

I contacted XXXX  credit bureau because I checked my credit report and it showed up there. They did an investigation and deleted it from my credit report. 

On XX/XX/XXXX I received a letter from XXXX XXXX saying they did an investigation and said I owed the previous amount. They then sent me another letter on XX/XX/XXXX because I had moved. I talked to a person named XXXX. Again we went over the SS # that they had and again it was not mine. I faxed her information that would verify that I was who she was talking to. Again I sent them a letter disavowing the debt and told them about XXXX investigating my complaint. 

On XX/XX/XXXX I received a letter from XXXX XXXX, again saying I owed the same debt and offered to settle for {$1100.00}. Again I sent them a letter disavowing the debt. 

On XX/XX/XXXX I received a letter from Radius Global Solutions LLC saying the referenced account was placed with them for collection. Again I have sent them a letter disavowing the debt. 

At this time I now think that this is harassment and would like it to stop. I have a very good credit rating. I recently bought a condo and my credit score was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: OH

Complaint narrative:
On XX/XX/2018 from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX requesting payment of {$810.00} for proclaimed damages to a rental car that I rented from XXXX XXXX XXXX XXXX on XX/XX/2018 and returned XX/XX/2018. 

This car was not damaged when I returned it. I walked around the car with the agent who checked in my vehicle. When the vehicle was checked in, it did not have any damage. The Viking agent sent pictures of a vehicle with a large dent from a yellow pole on the passenger rear door. This automobile was not damaged upon my return of the vehicle to XXXX. 

If there was damage, why was it not identified by the agent and myself while checking the vehicle in. Also, if there was damage, why would it take seven weeks to present the invoice to me? I spoke to XXXX XXXX from Viking and explained to her that I did not damage the vehicle. She stated that my car insurance or credit card will just pay for it. 

I did not damage this vehicle. This is a scam! 

XXXX XXXX

Company response to consumer: Closed with explanation