vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: TX

Complaint narrative:
Received repeated automated calls from several different numbers stating that action was being taken against me. When I press 1 to speak to a person, they say I owe a debt for a credit card that went to collections. Per the attached document, I settled this debt in 2015. Their response was that they don't work on commission so why would they lie. I don't care if you work on commission, I don't owe any money on this account, please stop calling. After several to attempts to explain that the debt is paid, they sent the attached letter saying that due to lack information provided, they have been unable to complete their investigation of my account. I then mailed them the attached letter showing no money due for the account in questions, and continue to receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: MI

Complaint narrative:
Upon review of my XXXX and Equifax credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon review of my Experian and XXXX credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
We have received incessant calls from XXXX XXXX XXXX. Robocall leaves a message and says to go to XXXX if you want the calls to stop or to call XXXX. That website is wrong, the phone number is always busy. But I found their real website XXXX XXXX XXXX   Their real phone number is XXXX. They are calling about a debt that is for an ER visit to the hospital that was part of a closed XXXXXXXX XXXX XXXXXXXX claim. They should be calling the employer XXXX XXXX XXXX XXXX to resolve any unpaid debts, not the XXXXXXXX XXXX  XXXX injured employee. The hospital turned the debt over to debt collectors that are always bothering us about the debt instead of contacting the responsible party, which is the above-named employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XXXX I was contacted by a Male who said he was from transworld system about a debt. I told him that I spoke to a lady yesterday or the day before and advised to stop calling me and that they can verify this debt via mail to the address on file. I told him this several times and he continuously talked over me and basically was arguing with me about it. I continuously told him to stop calling me, send this in the mail, or I will file a complaint. I have no idea if this call is truly from who they say they are or if someone is trying obtain information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
i went to zales store to purchase a ring, the store didnt have the specific ring in the store, but i was told the could get it but i will take couple of months, i didnt have to pay the entire cost of the ring untill i pick it up, so i paid half, then the store cleck convinced me to open a store card with a 18months interest free promotional. which i did only because she told me the promotion and the final charges will not begin until i pick the ring up from the store. i pick the ring up 3 months later. to my supprise 15months from the date of pick up i was charged full interest for not completely paying of the balance. now they want me to pay over XXXX dollars in interest extra when the original balance on the card was XXXX dollars. this store clerks are missleading customers. and now i have late payments on my credit accounts and this affecting my credit history. the specific zales store no longer exist other stores are not able to give me information pertaining to my purchases. i have tried to contack the bank to file dispute, but they are declining my dispute. i contacted the XXXX legal service for military, tthey recomended i file a complaint with the consumer finance before they can move futher if need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian and XXXX are reporting incorrectly that I am 30 days past due on XXXX   partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent FTC violation with the police report and inaccurate information on my credit report fcra violations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On Tuesday, XX/XX/XXXX, the bank advanced a forced flood payment in the amount of {$1300.00} from my loan balance which increased my principle balance, without my authorization. I went to my local bank to show them I already had an existing Flood Insurance Policy that was renewed since XX/XX/XXXX. The local bank manager informed me she faxed a copy of the policy to the Main Office. On Monday, XX/XX/XXXX, the bank again advanced a forced flood payment in the amount of {$1300.00} from my loan balance which again increased my principle balance, without my authorization. I contacted the bank several times by phone and in person to notify them of my existing policy, to no avail. On Wednesday, XX/XX/XXXX, this bank had the insurance company extract {$1900.00} from my escrow account with my first mortgage company. I called the bank to resolve this issue of paying two separate flood insurances for the same home and was told by the young lady that I was going to pay the insurance as long as I owed them or I had the option to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called BBVA after getting confirmation of my refund from LA XXXX who told me it takes 1-3 days to return to the acct and I called my bank BBVA and asked that when I get refunded can they refund me the XXXX over draft fee and he stated No.! Bad customer service and I would not recommend this place to any body who wanted a Great Customer service bank!! I work in financial services with credit unions and we truly appreciate our members and I recommend them to people

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX fails to recognize that I have liquidated the account. I have made on time payments since the 2014 EVER SINCE THE ACCOUNT WAS LIQUIDATED XXXX is reporting the account negatively even-though the payments are being made on time. 
XXXX failed to correct the credit report and claims that the payment is delinquent for 2 months. 
They are doing this for 2 of my accounts with them. At this point i will sue chase if they don't correct or delete my account. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: AL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX/XXXX  partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX and The Credit Bureau of San Luis Obispo have violated my rights under the Health Information Portability Act and released my information without my consent which is now damaging my ability to obtain credit for personal reasons. I requested my itemized bill several times from XXXX XXXX XXXX XXXX after receiving a bill ( not an invoice for charges ). Reporting this information to the Credit Bureau of San Luis Obispo and then mailing it without any privacy security has caused undue harm to me personally. This mail was received first by my next door neighbor, the Credit Bureau of San Luis Obispo and XXXX XXXX XXXX XXXX did not ensure my privacy at all in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
My payment had gone up due to my insurance increasing by {$400.00} a year, so I switched insurance in XX/XX/2018. My insurance assured me everything would be taken care of. 
In XX/XX/2018my payment was increased even more. after further investigating I found out onmy own that the mortgage company had paid for two different insurance policies and did not inform me of this rarity. 

I requested a refund through my original insurance and it was returned to me. In XXXX I paid the full amount to my mortgage that was returned to me. After several months of receiving notices that I owed XXXX $ amounts I called and was left on hold several times and being disconnected due to long waits. Finally I was connected to a service representative but she told me there was not any documentation of me making any such payment. Under duress I paid an extra amount of {$1300.00} on XX/XX/XXXX assuming I would pay my regular amount in XXXX. 

XXXX comes around and they still say my payment is {$1300.00}, which is {$200.00} plus my regular payment. 
I get a login to their website and find that the payments are documented, and I try to call to no avail. I tried to contact them 3 different times and put on hold. Finally after the fourth try I gain contact and was told they could not help me and I would need to be transferred or I would need to call back. 
I find this completely unacceptable considering they created this by their system failure of paying two different insurances and the fact that I can not reasonably contact them without hour long wait times and most times not even being able to talk to someone. 

I requested they accept the extra payment as my XXXX payment and they told me I would have to be transferred again. 
I need some closure to this fiasco and the company is just running me around to different departments until I agree to pay a hire mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Sent FTC violation with the police report and inaccurate information on my credit report fcra violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Today, XX/XX/XXXX, I initiated the process to get an income based repayment plan for my student loans, which are being serviced by Navient. I first went to studentloans.gov to fill out the information as to which repayment plans I qualify for. I found out through the website, unsurprisingly, that I qualified for the PAYE and REPAYE payment plans since all of my loans are federal student loans acquired through the Departement of Education. I proceeded to download and complete the Income Based Repayment Form ( since for some reason the website could not access my IRS information electronically ) and prepared the documentation I would use to verify my income ( which is my IRS tax return for XX/XX/XXXX). I proceeded to go to Navient 's website to upload this documentation and to start my application for an income based repayment plan. I followed the relevant links and I went to the page where I have to fill the information needed for this application. It had more or less the same questions I filled out in studentloans.gov with the exception that they also ask for my Gross Pay on top of my Adjusted Gross Pay. When I finish filling out the information, I receive a notification that I do not qualify for ANY repayment option. This was very confusing for me since, as I've stated, all my loans are federal loans and studentloans.gov arrived at a completely different conclusion with the same information. 

I proceeded to call Navient at XXXX to find out why they reached they're conclusion. I told the representative about the fact that I was surprised that they said that I didn't qualify for any income repayment plan while studentloans.gov said that I did and that I still uploaded the Income-Based Repayment Plan Application along with my XXXX IRS Tax document. She proceeded to tell me that they actually could not see the information contained in my documentation till 24-48 hours and that they will take 17 business days to process my application. I CANT BELIEVE THAT THEY FIRST TELL EVERYONE THAT THEY DO NOT QUALIFY FOR ANYTHING WHEN THEY ACTUALLY HAVE A WHOLE DIFFERENT PROCESS FOR APPLYING FOR AN INCOME BASED REPAYMENT PLAN. Furthermore, they have unnecessarily long processing times that actually run out the clock on any grace period one has before starting to pay one 's student loans. 

To everyone that counted on having an income based repayment plan when they took out a student loan, you need to first go to studentloans.gov to educate yourself on what your options and rights are. Navient will first lie to you about what you will qualify for without even looking at the information you submitted. They will also stall and delay as much as they can in order to force you to make unnecessarily high payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Last month, XX/XX/2019, I received notice from American Express ' Bluebird card stating my Bluebird account has been permanently closed because I failed to pay an overage fee of {$2.00} of which I was unaware of because that I had forgotten it because of my medical condition where I've had some XXXX XXXX problems previously. I immediately called Bluebird to pay the {$2.00} balance on my account. They would not allow me to pay the money ( claiming they'd prefer a triple-dip tax credit ) and they would not allow my account to be reopened or allow me to open a new account. It is important that I have this account as I have a XXXX brother whom is extremely poor I'm his only surviving family member. Bluebird it the only way I have to transfer money to him without a fee in times of his need.

The people at Bluebird were rude, disrespectful, and attempted to shut me out of any communication with them. Fortunately, all my years of working at the XXXX XXXX in a high level capacity I was able to get through to them. That seemed to make them even unhappier that I was putting them on the spot and the " supervisor '' was seemed in the end of the conversation to pretend she couldn't hear me. However, she could because I would say some things that weren't putting her in a uncomfortable position and she would answer properly. 

I want to pay the amount I owe then of $ XXXXUSD as I don't want it as a negative entry onto any consumer reporting agencies in the US. , and I want my SAME account reopened so as I can continue to serve my family member ( whom is also a Bluebird account holder ) as I have always done. My Bluebird account number is : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: CA

Complaint narrative:
XXXX/XXXX  XXXX requested company verify the debt ; company could not verify the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: NC

Complaint narrative:
Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
i had credit card and loan to bank but on 2013 i could not pay so i got debt consolidation agency i started paying on XXXX and finish on XXXX and they sent me a certificate .which says i am debt free. But on XXXX they sent me a letter which says the credit card is not paid and the debt is sold to XXXX XXXX this agency sent me to the court on XXXX.

Company response to consumer: Closed with explanation