vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation
State: VA

Complaint narrative:
Upon reviewing my credit reports I noticed XXXX collection accounts with Receivables Management that I did not recognize as mine, in addition the information reported among the 3 bureaus was all different. I sent a certified letter to Receivables Management requesting validation of the accounts. The letter was received XX/XX/2018 ( certified letter receipt attached ). Receivables Management replied on XX/XX/2018 with what they consider verification, not validation as I requested ( complaint # 1 ) ( correspondence attached ). 
Complaint # XXXX : The billing statement from one of the original creditors ( XXXX XXXX XXXX XXXX XXXX XXXX ) that they sent has XXXX of the accounts listed under an address that does not or has EVER belonged to me. I have never lived/resided in the address provided by the original creditor. 
Complaint # 3 : The billing statements that Receivables Management retained, had copies & mailed from both original creditors ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) are all in DIRECT & SERIOUS violation of HIPAA & both XXXX and XXXX XXXX Privacy Rule which prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ). The creditors furnishing of my alleged account ( s ) information to Receivables Management is not in compliance with XXXX or XXXX XXXX Privacy Act & both the creditor & collection company are in clear violation of Public-Law 104-191 ( HIPAA ).  More specifically, the protected health information that was NOT protected was the description of service on XXXX of the billing statement that stated XXXX XXXX. This personal and private information was shared among companies! The entire purpose for MEDICAL BILLING/CODING is to use codes to protect sensitive & PRIVATION information such as this. On the billing statement disclosed to Receivable Management from XXXX XXXX XXXX violates someones PHI again under the description clear as day spelling out the exact producer! XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX, the Account is up to date. We have been making the required payment of {$20.00} a month per XXXX request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX 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 2018-07-11 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: OK

Complaint narrative:
My balance due was {$850.00} and my minimum payment was {$19.00} due on XX/XX/XXXX. I had previously initiated a balance transfer, but in the meantime had paid {$19.00} to insure no late fees would be assessed. I also made two individual purchases ( {$15.00} and {$5.00} ) so as to hopefully have no balance. Two days later, the bank USAA received the balance transfer of {$850.00}. This actually resulted in me owing XXXX cents. I attempted to pay this balance on the XXXX of XXXX -before the closing date on my account. The system would NOT let me pay the remaining amount of XXXX cents. 
I called USAA on XX/XX/XXXX once again trying to pay the XXXX cents it said I owed. the representative could not help me. The representative suggested I go buy something in order to pay the balance ... this was NOT my goal. 
One day later, XX/XX/XXXX, I noticed a charge of {$16.00} has been added to my account. I called USAA to get clarification. 
They said it was because I still had a balance on my account and the interest was calculated on a daily amount. 
I am at my wits end with talking to USAA because from a consumer perspective if a bank says the statement balance is a specific amount, it leads a consumer to believe if they pay the entire statement balance then the account will have no balance!!!!!! 
This apparently is not true. I'm not understanding WHY, if I made every attempt to pay the entire balance, would I still be charged the interest. It's like double dipping. You pay the entire balance, but the bank still assesses you interest. If that is the case, then the billing statement needs to have an addendum " Even if you pay the entire amount due on or before the due date, interest has NOT been applied to the balance on your statement, and you will still be required to pay interest ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: AL

Complaint narrative:
On XX/XX/2018 I sent out a validation letter to Pinnacle LLC/ XXXX   for 2 collections in the amount of XXXX $ and XXXX $ dollars that they say I owe. I requested their offices to provide me with competent evidence that I have any legal obligation to pay them or If they can prove I owe the debt.I also included if their offices are able to provide the proper documentation as requested I will require at least 30 days to investigate the information and if your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file of all 3 major credit bureaus XXXX, XXXX, and XXXX and a copy of such deletion request shall be sent to me immediately. They received the letter on XX/XX/2018 at XXXX 40 days ago and they have yet to Validate the debt they say I owe. So I'm asking you all to please help me to get a response to deletion of these accounts that was not properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Unauthorized credit inquires on XXXX credit report. 3 Rd notice and refused to remove it from XXXX report. 

CHASE BANK XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, 2017 XXXX XXXX XXXX   XXXX. 
See an error? 
dispute a hard inquiry Institution Information No contact information has been reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX we closed on a construction loan, after several delays by Wells Fargo, they overcharged us {$5000.00}, we received a letter on XX/XX/XXXX that they acknowledged overcharging us and giving us a check for that amount. But then, the same day they charged to our loan the same amount {$5000.00}, so in fact they did not refund, they charged back to us to repay again. I have attached my initial letter to them and all of our statements showing the where they charged back to the loan and never credited back and all of the statements with them. We tried on several occasions to resolve but they never followed through, so not only did we get charged for that, we were charged for the interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Purchased one office chair in XXXX. XXXX sent two, then issued XXXX return. I got confirmation that they received return. However, they recharged me in XXXX for another chair. I had paid for the chair I bought, but their internal investigation keeps saying that my bill, now accumulating late charges for months, is correct. I got one chair and paid for it, but I am still Being reported as delinquent. The bank behind it, XXXX, sent me a letter stating that the investigation was closed and they were right. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Legal Action Bureau Inc
State: FL

Complaint narrative:
My first initial contact was from Legal Action Bureau on XX/XX/2018 saying that XXXX XXXX XXXX was coming after me for lack of payment. The debt collector stated that if I didnt pay the owed amount within a 24 hour period then I would be subject to my credit score being  docked 50 points, assets being seized and garnished. He told me 3 different dollar amounts that would satisfy his client ( XXXX XXXX XXXX ). I told him I wasnt good with any of the options and that I wanted his info for a cease and dsist order and verification of debt. He told me that was not necessary and by law he had to stop. I didnt get any letters or information for 2 weeks and got a call on XX/XX/2018, I told him I was at work and didnt have time and hung up. He then sent me 3 consecutive text stating that he sent me an email. I then checked my email and saw n attachment with a contract from XXXX XXXX XXXX ( which is a docu sign with my name misspelled and signed ) I told them I wanted to see a copy of a paper contract that supposedly signed but never got it. I then recieved a call on XX/XX/2018 around XXXX XXXX from a different number for Legal Action Bureau and again I told him I was busy at work and did not have time and them hung up on him. He then called me right back and said that he was going through with affecting my credit score and taking legal action against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: PENTAGON FEDERAL CREDIT UNION
State: KY

Complaint narrative:
I applied for a car refinance I noticed multiple credit Inquiries on my XXXX   report all in the same day I only applied for 1 loan not 4. I want 3 inquires removed from XXXX report please XXXX Don't remove inquires. 

1 inquiry PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 2 inquires ( XXXX ) XXXX PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 3 inquires ( XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX 4 inquires XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX All in the same day. 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 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Upon reviewing personal credit report, found entries from Capio Partners. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX, the Account is up to date. We have been making the required payment of {$20.00} a month per XXXX request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX, the Account is up to date. We have been making the required payment of {$20.00} a month per XXXX request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX 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 non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Upon reviewing personal credit report, found entries from XXXX XXXX. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: MI

Complaint narrative:
We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX 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 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have capital one silver credit card and I paid in full balnance on du date. They charge {$110.00} on XX/XX/2018 and again on XX/XX/2018 {$36.00} even I paid full balance before due date. I called and request to rmove interst charges and they refuse to do so. 
I believe this is rip off and custmor service is bad. Do not like to talk. 

I request is anything you can do? 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11 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: MD

Complaint narrative:
Purchased one office chair in XXXX. XXXX sent two, then issued XXXX return. I got confirmation that they received return. However, they recharged me in XXXX for another chair. I had paid for the chair I bought, but their internal investigation keeps saying that my bill, now accumulating late charges for months, is correct. I got one chair and paid for it, but I am still Being reported as delinquent. The bank behind it, XXXX, sent me a letter stating that the investigation was closed and they were right. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have applied for a personal loan for XXXX dollars on XX/XX/2018. I advised the loan officer that it was to help my sister to get her back on track with her mortgage while her husband is battling with XXXX. The application was taken and process. 

On XX/XX/2018 at XXXX XXXX i received a call from the underwriter stating that she can not approve me for the whole amount but a counter offer will be submitted and I was to hear back from the bank. 

On XX/XX/XXXX I called to see what was going on at my local bank and no one was willing to talk to me. I got a hold of another underwriter at XXXX who told me that " We do not do loans to help pay off mortgages '' I was in shock!! They made me a 2nd counter offer after I was advised that they do not approve anyone to help pay for real estate mortgage payments. I asked them to return my points back to my FICO score for not disclosing the truth from the beginning and they refused. Had I known this I would have never applied for the loan. 

This is FRAUD and this information should be disclosed in its ENTIRE so as a consumer can make a proper decision. This is absolutely misleading. 

Please help. 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 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Upon reviewing personal credit report, found entries from Trident Asset Management. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX told me to call Capital One so they could stop blocking XXXX XXXX but Capital said that they werent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XXXX  I have a ally financial account that I was never late on XX/XX/2015 and if I was late please send me proof of the account notarized to my address also to cfpb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
Professional Bureau of collections account no.XXXX appeared for the 1st time on my XXXX credit bureau in mid to late XX/XX/2018.The original creditor had been paid 4 months before and said the collection was in error.XXXX today possess a letter from the original creditor saying the debt was paid and gave a contact number to verify.XXXX via phone call service to XXXX said they had received the document but hadn't yet ruled on the matter.I have attached here letters from the original creditor saying I do not owe the debt  and that debt was paid in XX/XX/2018.SO WHY IS THIS COLLECTION ACCT APPEARING ON MY XXXX REPORT IN LATE XX/XX/2018 AND WHY DIDN'T XXXX DELETE IT IMMMEDIATELY AFTER SPEAKING WITH ME TODAY. 
CFPB PLEASE PUT THESE COMPANIES ON YOUR WATCH LIST FOR LEGAL ACTION.THEY HAVE DESTROYED MY CREDIT WITHOUT THE RIGHT TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation