vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Corporation of America
State: VA

Complaint narrative:
There are some serious issues with this doctor and her billing practices. My son was born with a XXXX XXXX and the hospital called her in to diagnose the XXXX they heard from his XXXX XXXX. The day that I got home from the hospital, her office calls me asking for my billing information. I declined giving this over the phone and instructed them to deal with the hospital to get this information. Why would you call a patient with a XXXX  XXXX  old baby who was just diagnosed the day before with a XXXX   XXXX XXXX XXXX? Months go by, the hospital has billed the insurance over $ 20-40K. So Im thinking all of this has been handled. Wrong. In the summer  of XX/XX/XXXX, letters begin coming from XXXX XXXX XXXX Office with a {$1500.00} bill. I call them to advise that we had insurance and gave all the information to them for the bill to be taken care of. The person who I spoke with advised that it would probably have to be written off, because they can not bill the insurance after 90 days. The whole time, they are thinking that we didnt have insurance. The office had already turned the account over to collections at that time. I called the collections company numerous times to be removed from the calls and mailers. Even did a two-way call with the insurance company and the collections company to no avail. Now, I have to go through the hassle, after my son had XXXX XXXX XXXX in XX/XX/XXXX, and a year later XXXX XXXX XXXX Office has turned this over to a new collections agency. Needless to say, Ill be writing to Virginias attorney general, the XXXX XXXX Virginia Hospital and the CFPB to advise them of these questionable business practices. A new collections agency called me in XX/XX/XXXXsupervisor who I spoke with was XXXX who was very rude. Three-way call with the XXXX XXXX XXXX XXXX who advised that XXXX Office never billed them. Additionally, XXXX lied and gave the office address to XXXX XXXX, instead of XXXX, to make it seem that we were out of network. I think their attempt to for us to pay this bill, which XXXX XXXX XXXX XXXX has recorded as {$1500.00} on the first call we had with them in XX/XX/XXXX, and now the bill has increased to over {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/18 I was attempting to purchase bulls tickets. The seller said he used XXXX. After seeing that XXXX was linked with Chase, I figured it was a safe way to handle the transaction. I sent {$160.00} using XXXX. However I didn't receive the tickets, and the seller stopped responding. Approx and hour later I contacted chase to get my money back. However the representative was extremely rude and unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I had an apointment with Loss Mitigation Depart. Banco Popular De Puerto Rico XX/XX/2018 XXXX. 
Appointment was issued by bank in a meeting requested by me to solve the moratorium situation I am because of the hurricanes disaster.At that moment I was offer a payment plan which I inform i was not in position of agreeing because of reduction of my incomes.They recommended loss mitigation. 
I waited 1hour and 5 minutes ( no problem ), lady last name XXXX, ( never told me her first name ), attended me, in 5 minutes literally 5 minutes, she told me that my loan investor do not accepts any alternative other than a payment plan or I could voluntarily can surrender my property.No other option was offer to me.I did not agree and she offered an appointment to come back to begin the process of surrounding the property voluntarily. 
Is a shame to receive attention like that by persons who do not realize the situation a customer is and the mental inconveniences that represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc.
State: NY

Complaint narrative:
On Monday XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from Alliance One at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
I continued to send Porfolio Recovery requests for validation and verification but to know avail. This is not my debt and i have never had an account with XXXX XXXX XXXX XXXX. This is a fraudulent account that Portfolio Recovery knows this but continue to report this false information on my report. Now they are calling me and demanding for payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In XX/XX/2005, I co-signed on a loan that my mother was taking out for my education but I was only XXXX at the time of signing the document. That is not a legal age for signing a document. I have spoken to Navient over the last 10 years explaining that to them. They stated that I am still responsible. In addition, my mother as the borrower has struggled to pay back those loans and Navient has harrasssed us and forced us into forbearance a number of times. Now the two loans we received at XXXX each are now at XXXX each and are sitting in my credit as charge offs. I cant buy a house now and I think its unfair that I am responsible for a loan that I never could legally co-sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There are inquires on my credit report that i did not make and its keeping me from obtaining credit can you please remove them i have children to feed and its making me struggle to put food on the table. Can you please be so kind as to remove these incorrect inquires because i didn't approve them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Monday XX/XX/2018 XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from XXXX XXXX at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: DC

Complaint narrative:
I informed XXXX XXXX XXXX XXXX that this debt is not mind and the did not respond to my debt verification and validation communication i sent them. Instead they send the debt to XXXX XXXX. This is not my 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 2018-02-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is unauthorized inquires on my report i did not give these company approval to make a hard inquiry to my report. This is causing me problems as to i can not provide for my family due to lake of credit approval. Please kindly remove them from my report. Thanks

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 2018-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my Experian credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX on behalf of XXXX XXXX that I did not authorize. I have contacted XXXX XXXX XX/XX/2018 and was informed that I would have to send a copy of my drivers liscense and full social security mumber for validation purposes before they could help me with my claim. I do not feel comfortable with submitting such personal information to a possible fraudulent company. 
They also advised me to register with there so called credit bureau service to pull my credit report. 

They are advertised as a credit bureau affiliated with experian. I have never heard of this company. I XXXX this company and they have history of identity theft resulting in unathorized payday loans. I am afraid that submitting a copy of my photo id and full social will result in such fraud. I have never been asked to submit such personal info .. Also signing up for there credit reporting services and getting my report pulled would validate there inquiry claim. I feel this company is not legitimate and should be removed from my credit report before anymore damage is done. 

I have attached proof and request that you investigate this matter and remove it immediately from my credit file.

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 2018-02-10 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
I declared Chapter XXXX Bankruptcy in XX/XX/XXXX Case Number XXXX and the disposition was XX/XX/XXXX. However, on my credit report it shows my two mortgages OCWEN and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
The US Bank XXXX XXXX card promises 5 % cash back if you use the card to pay for your gym membership. I saw that my gym, XXXX XXXX, is specifically named as an example on the US Bank XXXX XXXX card website. That got me to sign up for the card and sign up for the 5 % deal. I noticed that I have not received the cash back as promised. When I called to complain, I was told that their system shows the charge as recreation and not as a gym, and there was nothing that could be done. And that I would have to get XXXX XXXX to change the way they charge their clients!? To my mind this is fraud - advertising that XXXX XXXX as an example of the gym that participates, but then not honoring that commitment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX is attempting to collect a debt in the amount of XXXX without validation. I received a bill that I have no knowledge of. I believe this could be identity fraud. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2018 ( XXXX XXXX ) XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: MO

Complaint narrative:
There is an inquiry from XXXX institution in my TransUnion credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: Summit AmeriFirst Holdings, Inc.
State: OH

Complaint narrative:
I declared Chapter XXXX Bankruptcy in XX/XX/2011 Case Number XXXX and the disposition was XX/XX/2011. However, on my credit report it shows my two mortgages XXXX and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: MO

Complaint narrative:
There is an inquiry from XXXX XXXX  in my XXXX credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX auto scheduled payment to Bank of America credit card was rejected due to invalid account #.

XX/XX/XXXX when i try to access online bill pay, i'm given an error message to call technical support. because i'm locked out of bill pay, I can't submit payments XX/XX/XXXX i call technical support, they will submit a ticket to unlock bill pay with the updated account information XX/XX/XXXX i still dont have access to bill pay, i call technical support. they say they need valid account info to submit a ticket to open bill pay. 

my main issue is that the procedure for invalid payment is to 1. charge the  customer XXXX $ return check fee, 2. lock bill pay function, preventing customers from actually making payments online and 3. requiring a valid payment account should not be necessary if there is no outstanding balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
One Main Financial drafted me a loan without disbursement to all creditors. They never notified me and continued to collected payment and interest in funds never disbursed to me or creditors. Upon finding this they held the funds to convince me to make a full payment in exchange for those funds back. I notified One Main also known as springleaf Financial in written form and verbally not to call my place business. After which I received 9 phone calls from the branch manager. My rights have been violated with these calls and interest charges above what I received. I am requesting the XXXX dollars in violation and interest charges in funds not disbursed be credited to my loan. Today they repossessed my vehicle. I am requesting the vehicle be returned along with the title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2018. After further research regarding my Equifax credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my XXXX report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PMAB,LLC
State: NC

Complaint narrative:
PMAB, LLC., reported a medical bill that was in dispute with XXXX   XXXX XXXX XXXX in XXXX XXXX , NC XXXX between my Insurance provider ( XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX , for more than two years. 

PMAB, LLC., never attempted to contact me to receive or ask for any explanation on my part despite the fact they had my telephone number and Post Office Box address on file provided by XXXX  XXXX XXXX XXXX . 

PMAB, LLC., proceeded and placed the collection of a {$67.00} and {$270.00} respectively on my credit files with all three credit companies on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an attempt to damage my credit. 

I only discovered this damage done by PMAB, LLC., only when I was declined credit by a furniture company in XX/XX/XXXX, which was completely and totally embarrassing. 

I immediately and repeatedly contacted the PMAB, LLC.,  representatives in XXXX , NC, for immediate retrieval and correction of this egregious damage to my reputation and credit. This company and their representatives have been rude, inattentive, and completely treated me with disregard, and have failed to correct their error. They continuously lied that they did not have my address or telephone number when in fact my address was printed on the check that was used in paying the balance that XXXX XXXX XXXX XXXX indicated I owed, and in their record. 

I believe PMAB, LLC., has acted with malice to destroy my credit without making any attempt to contact me before placing a debt collection on my credit files. This is a violation against fair credit act and a fraudulent business practice perpetrated by PMAB, LLC., to collect a debt that is in dispute with the creditor. 

I demand an apology letter from PMAB, LLC., and an immediate removal of this error from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
In XX/XX/2002 I was struggling to find a job, kept being told if I had a degree I would be better off. So, I found XXXX XXXX and the XXXX XXXX XXXX got me set up for financial aide. 

I was led to believe that the college would help me find a job once I graduated, which they did not. And that my degree would help me pay off these student loans. 

Now, with XXXX I've had NO problems EVER. They are concientious, their fees are legitimate. I have been dicking around with XXXX XXXX for 16 years now and my XXXX has not gotten out of control AT ALL, unlike the XXXX XXXX fiasco. I thank XXXX that my loan to XXXX XXXX was only for {$5000.00}, which is now {$11000.00} ( you can see from attachment what I've paid and what DID not go to the principal ). My XXXX is going down because I am now officially ignoring XXXX XXXX and concentrating on paying XXXX off. 

I want this perfectly clear, if XXXX XXXX had legitimate fees it would already be paid off. How do I know this? Because in this same time frame I purchased a XXXX truck for {$5900.00} and paid it off within 3 years. 

So, why didn't I get XXXX XXXX paid off? Because for every payment I made went to INTEREST only, nothing went to the principal. I've attached copy from Navient website. 

I was at my wits end and finally found your website ( after years of searching the web for suits against XXXX XXXX ), so I am sending this in hopes of some kind of resolution. I don't feel like I owe them ANY more money. It was only a {$5000.00} loan people! What the heck has happened to our country where big corporations are allowed to run roughshod over citizens that pay their taxes and served their country honorably. 

Thank you for your time. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation