vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation
State: WV

Complaint narrative:
Performant and XXXX XXXX ( I read where they are the same company ) keep calling me about debts I do n't owe. Apparently they think I 'm responsible for recent debts my ex-wife ( that I 've been divorced from for 12 or 13 years ) has. Apparently she owes student debt and medical bills, I 'm not sure, I have n't even talked to her in years. I 've REPEATEDLY told them I 'm not her and to quit constantly calling me, I 've had to block their numbers. but they call from XXXX different numbers so far. XXXX was constantly calling too. And they sent a letter. I told them repeatedly that I had no way of contacting her nor did I know where she lives now. They only finally stopped calling after I threatened to file a claim with you twice and telling them to send documentation where it says I OWE. There was another company that called 3 or 4 times a day for a couple months until I repeatedly threatened on my part to report and sue them, ca n't remember their name. Here 's some of the numbers they use XXXX, XXXX, XXXX, XXXX. I 've deleted all the other numbers. I pay my debts, my credit score is XXXX, so it 's getting really frustrating dealing with these people bothering me about SOMEONE else 's debt. Now I 'm worried they 're going to report me to the credit people because I wo n't pay someone else 's debt. I ca n't afford a lawyer, but I am sick of getting calls from XXXX to XXXX several times a day almost every day. Thanks for any help you can give me. 
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 2017-02-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XX/XX/2016 I went to the doctor for a XXXX. The doctor XXXX. One of those XXXX caused a bill for {$93.00}. I paid the bill a week after receiving it through mail, on XX/XX/2016. I 'm attaching the check that I sent to the company and that was cashed by the company on XXXX. Surprisingly, since XX/XX/XXXX I 've been reported every single month past due, including XX/XX/XXXX, month which the bill was incurred!!!! I would like the trade line deleted and a confirmation letter from the company that such action has been taken and communicated to all XXXX credit reporting agencies. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Performant Financial Corporation
State: WA

Complaint narrative:
My defaulted student loans can ONLY be handled by Performant because of the owner of the loan. I would like to reahab my payment plan. I have tried on several occasions to set up a payment plan - specifically the income driven plans since I am poor. 
They said that they would send me the paperwork and details. and after two whole months of waiting, I called them and finally they sent me something, a statement of my loans ... but what I asked for was the paperwork details of this contract which I was to begin payments on. SO, I called them again, and asked why. She said that I had to give her my credit card information and begin payments BEFORE signing a contract or agreeing to anything. I told her no way, and hung up. 
O began talking to XXXX XXXX XXXX, and they said that I was correct, that I should not give any money until I receive a written explanation and contract. 
I spoke with Performant again on XX/XX/XXXX. This time, it was with a different woman, and she said that they would transfer me to a different department after I gave my credit card information to her and made my first payment. I told her no way -- that it was shady business, and that she would n't handle he personal finances that way and neither would I. 
I am filing a complaint today because I have no other recourse. The people who own my loanssay I have to use their collection agency and yet, I can not be convinced without paper contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Well I wrote a debt Validation and I di not receive a response according to the Fair Debt Collections Act and the fair credit reporting act. I ask them for a validation and if they did n't send the proper documents to contact the reporting agencies to remove it. I did not receive any response it has been over 30 days. I believe this is highly unfair and want something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a XXXX tax document ( showing a gross distribution of {$120.00} ) from 'HSA Bank , a division of Webster Bank , N.A. '. I do not remember having an HSA account there. When I try to access 'the account ' on their website, it says " user not found ''. I called up and the client representative also could not locate my account. Can someone responsible from the bank clarify if I have an HSA account with the bank or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Service Company, INC
State: MN

Complaint narrative:
Received multiple calls asking for a person that I do not know. I have told the company to stop calling me and leaving me messages but they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Performant Financial Corporation
State: SD

Complaint narrative:
Performant recovery is the designated collector for the Department of Treasury. They instituted a XXXX without following the provisions of 31 U.S.C. 3720 D ( b ) ( XXXX ) by providing notice of their intent to start the XXXX proceedings. The debt is owed to the XXXX XXXX XXXX who have had my XXXX, SD XXXX address since the year XXXX. The Department of Treasury has also had that address as my tax returns reflected that address since the year XXXX. Instead Performant made up an address of XXXX, SD. I have never resided at XXXX XXXX XXXX. We only received street addresses a little XXXX and my new street address is XXXX XXXX XXXX. Then when I requested a hearing on the matter they never gave me Notice of the Hearing and they will not address the fact that they violated my due process rights under the statute. Since Performant has the sole power to request the hearing they are abusing their position by not forwarding my objections to the Administrative Law Judge. Performant 's predecessor engaged in robo signing activities and I am sure that is what happened here. I am recovering from XXXX XXXX and have missed doctor appointments because this money is coming out of my check because my doctors are XXXX miles away from where I live. Performant also refuses to give me an accounting of payments on this debt. I am just seeking the opportunity to negotiate the payments to an amount that I can afford without having to miss XXXX appointments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I paid for XXXX using CareCredit credit card and was promised a 0 % interest over 18 months. It has been 16 months and the company has charged me 14.75 % interest on the total cost.

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 2015-10-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX 2015 - I attempted to pay my Macy 's acct online various times prior to my due date, their online system was n't working. I called to make payment over the phone and an associate informed me their payment system was n't working due to maintenance but to make my XX/XX/XXXX payment in XX/XX/XXXX along with XX/XX/XXXX payment and that I could continue to use my credit card and there should n't be a late fee, but if one was assessed they would remove it. 
XXXX 2015 - I received my Macy 's bill that included a late for XXXX. Prior to paying the bill I attempted to call Macy 's about the late fee issue at the phone number in my contacts, the phone numbers on their website, but none of them worked. I even emailed them using their online link, and still have not received a response. So I made a {$70.00} payment that did not cover the late fee since it is a Macy 's error. 
XXXX 2015 - today I spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX removed the late fees from XX/XX/XXXX & XX/XX/XXXX. However, the minimum due {$79.00} is incorrect as it still includes late fees. XXXX XXXX informed me that I HAVE to pay the incorrect minimum due for XX/XX/XXXX {$79.00} ( which is incorrect due to {$38.00} late fee and {$11.00} portion of the XX/XX/XXXX late fee ). And that if I do not pay the minimum {$79.00} I will be assessed another late fee which Macy 's will not remove. The minimum payment due is incorrect and I am being forced to pay for Macy 's billing error upfront. I was on the telephone for over 1.5 hours when I could have been at work. The associates did not care that Macy 's was at fault and when I asked XXXX XXXX what my minimum payment should be because that 's the amount I want to pay, she wanted to know why I could n't make a {$79.00} payment and what my hardship was because she looked up my payment history and could see that I had made a large payment recently and because of payments like that {$79.00} should n't be an issue now. I do not want this incident to be reported negatively to the credit bureaus. 

Please assist me in getting this matter rectified. 

Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: MD

Complaint narrative:
I received a letter from the Van Ru Credit Corporation dated XXXX/XXXX/2015 stating that Van Ru was attempting to make a debt collection in the amount of {$25.00} on behalf of XXXX XXXX XXXX XXXX. I received no contact from XXXX XXXX XXXX regarding my " debt. '' The last I used any medical service through XXXX was in XXXX 2015 in which I processed payment on XXXX XXXX, 2015. This claim presented to me from Van Ru is erroneous. When I went to their online site at XXXX, I saw that the url was not secure meaning that if I were to disclose any financial information on that site, it would not be safe. The notice from Van Ru does not describe the service and date in which the obligation was incurred. I know the claim is invalid and I found multiple reviews online indicating the debt collection scams perpetrated by Van Ru.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
beside them getting a judgment by default by not serving me the summons fraudulently filing proof of service to the court.i have been trying to get them to supply my with the date of my last transaction with Citibank na and my signed contract so I can take appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
I ordered a PC from XXXX. The PC was severely damaged. It also came with a window on the side to see the inside of the PC. This had a gouge across the window so that was ruined too. 
PCs are considered to be fragile so I did not want to use it. I asked that it be sent back. They sent me an RMA document to ship the PC back. 
I shipped it back and my balance was set back to {$0.00}. Because I had the PC for more than 1 month XXXX wanted their monthly payment, which I had never missed in the year I was with them. 
I did not see why I would have to pay monthly payments for a damaged and returned item. I tried discussing this with a manager but she was very rude and unhelpful. This was before they received the PC. She threatened to send it back even though I had already received the RMA approval from XXXX. 

They eventually sent me to collections and their collection cronies have hit my credit multiple times with similar but unique company names. Unifund CCR LLC and Unifund LLC. I demand that both of these be removed from my credit and the account deleted as I do not owe XXXX money. 

I am considering legal action against them ( both companies ) and XXXX regarding this issue as this is causing me to be denied credit for a home. I was high enough to purchase a home and now I am in the XXXX because of these negative hits. I am already consulting with attorneys. If these are not removed I will need to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MD

Complaint narrative:
Fedloan Servicing is applying anything that I pay over the amount due to future interest. My bill for example can be {$500.00} and I pay {$550.00} that addition money is being applied to interest. Also, if the bill states outstanding interest at {$190.00} and monthly payment is {$450.00}, I pay {$500.00} they are applying {$350.00} of that payment to interest. For 4 months my balance never went down. It was all going to interest. And the other months they are taking more for future interest. No wonder my balance in 4 plus years has only gone down $ XXXX. This can not be a legal practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: NV

Complaint narrative:
I have paid off the student loans in 2015 and they still show as open accounts and past due, the company said they would take them off my credit report. Also I never lived at an apartment on XXXX I have no idea why that address is on there. Please look into these for me and let me know what comes of it. Thank you, XXXX XXXX. XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I earned an XXXX Award through service with XXXX for XXXX. The education award was for roughly {$9400.00} and I decided to put it towards loans I took out to earn my XXXX XXXX XXXX. These loans had a higher interest rate, and were taken out through Fedloan. I applied the XXXX award in XXXX XXXX. All the National Trust does with XXXX is send the money to the loan provider, in this case, Fedloan. My online account balance, though, never changed with this payment. It was at about {$11000.00}, and did n't change. Even when I did smaller payments since then, the balance never changed. I was NEVER asked by fedloan how I wanted that money dispersed. I assumed that if I gave them {$9000.00} the balance would then go to roughly {$2000.00}. If I give them my money, it should be used. 

But, I have learned that Fedloan is using this {$9000.00} payment as a " fund '' to take from each month for my monthly payments. When they would send me a " monthly bill '', the statement would read " {$0.00} due ''. Each month this would appear since I submitted the education award. 

When I called fedloan, they notified me that the loan would be in use until XXXX XXXX. So, instead of using money I have given them to pay off the majority of the loan, I am being almost trapped into a consumer relatioship where my money is used to keep me there and garner more interest each month. 

When I asked them to resubmit the payment, they said that they could but it would then put my loan in " delinquent status '' since I personally did n't make individual payments on the account since XXXX, XXXX. I was n't able to make the payments, since each account statement said " {$0.00} balance due ''. 

I feel very conned by this organization. I already paid {$1800.00} in taxes on this education award, as it is considered untaxed income. Now, it 's being used against me to keep me as a consumer with Fedloan for as long as possible. I was n't given a choice for how my money would be applied, nor was i notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Says I lived in XXXX. I 've Never in my life lived there. I 'm born, raised, and still a XXXX female. 
Please remove that XXXX address. 
Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: MO

Complaint narrative:
After several years of loan repayment, I found that I was eligible for a XXXX program, as I am now a state employee. I filled out the paperwork and my loans were transferred to Fedloan. Before a payment was due, Fedloan immediately put my loans into default with the XXXX. I assume this was a mistake on their part and after several conversations with them, they tell me basically that their is nothing they can do. My loans, that I have been paying on for over 5 years are now back in default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
XXXX had started a life insurance policy. The account XXXX short. the bank decided to charge overdraft charges and then hit the account with maintenance fee and another overdraft fee. I was told by XXXX, because she receive XXXX the bank should never have charged her the second fee. XXXX never asked for overdraft because she just had problems with XXXX XXXX XXXX. I know that the bank took it upon themselves to do this and why dint they take the money out of saving account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Hello, I recently applied for XXXX seperate things PSLF and the REPAYE program. I was told that I was not eligible for the public service forgiveness and it was like they never received my REPAYE application. Based on where I work, a XXXX helping veterans, it was told to me that I was eligible. I am a little confused on that. As far as the REPAYE issue, I have applied for it twice. I have heard nothing back, and they just placed me in the standard income driven plan. Please look into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
i have an account being reported as AES/NCT and National Collegiate Trust on my credit report in derogatory status all of my loans are federal student loans and are being paid on time and current. this account reports monthly with a past due balance of XXXX ive called AES and verified that my loans are consolidated and AES has been paid in full prior to consolidation my loans were current. this is preventing me rom buying a home as its reported monthly derogatory and with a past due balance. its also based on the date past the statute of limitations i want it removed from my report i did not take out a loan with nct or national collegiate trust

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested a deletion XXXX XXXX record from my credit files due to the statute of limitation for the reporting. it is been 7 years since the first delinquency on this account XX/XX/XXXX. The 120 days delinquency was reported on XX/XX/XXXX. I have a printed record of this. After my request of investigation the Equifax has deleted the initial delinquency history information and entered rejuvenated information so the first delinquency reads as of XX/XX/XXXX now. it is a violation of the FCRA. 1. 2. There are inconsistency in reporting of balance and date of opening of this account is the previous version that I received from Equifax and Rejuvenated report. The date of opening reported early was XX/XX/XXXX. and now they stated it was XX/XX/XXXX. the balance was reported {$850.00} and in the doctored report {$750.00}. I never recognized this account anyway. The Equifax has violated FCRA 3 times. The Equifax has never verified the information i asked to remove, instead they just reintered fouls information the received from the XXXX. They should Delete this unverified information immediately and pay fines for vialating FCRA and my rights.

Company response to consumer: Closed with explanation