vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
PETER ROBERTS & ASSO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Dear Sir or Madam, This letter is in reference to account??? at XXXX XXXX XXXX XXXX for services provided to XXXX XXXX on XX/XX/XXXX In regard to the bill on this account in the amount of ( {$110.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 

Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely,, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: NY

Complaint narrative:
my personal information was used to obtain student loans and i had no knowlege my personal information was lost before however i did know unti last year that some one had been using my identity and its been crazy trying to proove im who i say i am ever since i need help getting these 4 accounts removed from my credit reports

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 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
A security freeze I put in place through Experian I thought was designed to prevent unauthorized inquiries. How I am unauthorized access or unable to grant access without " a written letter '' or alleged " upload '' of current ID, of which is improperly designed, not secure, unsafe with " XXXX '' extensions, and does not run, is clear and confusing to complainant and is in violation of my right to my privacy. And anyones ability to " access '' a " credit file '', from a browser without logging to site w cc a payment and " security '' responses -REALLY! ACCESS IS R/W? I AM STUNNED AT THE XXXX  OF ALL THIS.

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 2018-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank has repeatedly frozen my accounts and placed fraud alerts although I have had ample funding. At one point I have been able to make certain transactions while others were denied. When I contact them via telephone, they are unable to send me text messages to the phone numbers provided in order to address any concerns. My debit cards have been frozen while I have been at merchants trying to make payments and the bank is unable to confirm my identify even with personal information which I am able to view online. The telephone representatives never provide any information on your accounts and you are unable to address any issues with the bank. They repeatedly tell me that I need to call back once I receive secure messages. I have provided them with my cell phone number and I am often told they need to call my work or another phone number which I may not have access to at the time. The wait times to address fraud activity is extensive and you are often left at merchants for extended periods while the phone rep fails to address the concern. I recently updated my account, received a new debit card and checks. I logged and the new account is missing. I have logged in to see secure messages saying that they tried to contact me which is false. I never receive any calls to my primary mobile phone regarding any suspicious activity and when I call no one is able to assist me. This has happened in excess of ten or more times. Below is the  message below I received via secure mailbox. 

" We have reason to believe that your Citibank Banking Card may have been compromised. We have attempted to contact you by phone to speak with you personally but have been unsuccessful. As a precaution we have reduced your daily purchase limit. Please contact us immediately in order to confirm your recent account activity and restore your purchase limit. This can only be done by directly speaking with our Customer Service department. Representatives are available to assist you, 24/7, at  XXXX. If you are calling from outside of the United States, please call collect at 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 2018-04-03 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: LA

Complaint narrative:
The following are unauthorized and they are affecting me getting credit. I have never applied for credit with these company 's. I would like to be provided proof I consented to these inquiries via FCRA section 609 and 605 a swell as the accuracy of these inquiries via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. 

Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX   XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX, I reapplied for my income driven payment plan for my federal loan with Navient. At that time, it was determined that I was eligible to pay a lower monthly payment. In XXXX, the rate reduction program on my private loan expired. In order to reapply, I had to give Navient a new financial statement. My income and expenses had not significantly changed from the previous year. So my expectation was that I would continue to pay my lowered rate of 3.5 % and pay $ XXXX monthly. Instead, they told me that I can afford to pay more money and increased my rate to 6.5 % and my payment to {$480.00} a month. As they were explaining how they came to this conclusion, they informed me that they werent taking certain expenses into consideration from my financial statement ( credit card payments, federal loan payments from a different lender etc. ). They also stated that I have {$600.00} left over after paying my other monthly expenses and that I should be able to use to pay them $ XXXX  month. However theyre are credit card and federal loan payments that need to be paid on a monthly basis. For example, my federal loan with a different servicer is {$220.00}. Paying both of these two bills alone will put me over my monthly income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
XX/XX/XXXX debt collector tried to claim I owed over {$3000.00} when the debt was {$1700.00}. Refused to accept payment plan and/or tax return despite ( his ) lawyer saying ok to it. 
XX/XX/XXXX debt paid in full XX/XX/XXXX-XX/XX/XXXX more debt added to accound despite being paid in full. Also paid new amount in full. 
XX/XX/XXXX funds siezed from bank despite account being paid in full. 
To date no letter stating debt was paid has been recieved dispite state law requiring one within 21 days, and they will not return additional funds siezed above amount due and paid in full.

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 2018-04-03 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
The vehicle was involved in an accident and, declared a Total Loss. the insurance co paid the loan off in XX/XX/2017. However, the lender has failed to properly report the loan Paid and, instead has reported the account Open and, delinquent. I have filed disputes with the Credit bureau but, the lender refuses to update my Credit report. I have documentation obtained from the lender including payoff letter and, payment history. Lastly the lender refuses to provide a payoff letter with the correct payoff date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
The insurance company XXXX ( XXXX XXXX XXXX , XXXX ) advised that the claim was filed and they requested numerous times from the hospital additional information that they did not receive to process the claim. The Hospital ( XXXX XXXX ) states that the insurance company needed a medical release form for any pre-existing medical condition from me and that was holding up the processing of the claim. The insurance company was provided a medical release from me when I purchased the insurance policy to review any pre-existing conditions and they never requested from me an additional medical release so that information is untrue. The hospital turned the debt over to Transworld Systems Inc., who has never contacted me only reported it my credit report the incorrect dates for services and amounts and I have contacted them several times about this and they advised that XXXX XXXX has confirmed that they have the correct dates and amounts which is untrue. When I contacted XXXX XXXX they gave me different dates and amounts which I have recorded. Additionally, in one of my most recent telephone conferences with XXXX XXXX I was advised by a billing supervisor that they claim was not filed correctly and that this account would be wrote off their books. The hospital also filed the claim with XXXX XXXX and XXXX XXXX insurance companies neither of which I had medical insurance with. The dates I was in admitted for observation are XX/XX/XXXX and XX/XX/XXXX. The billing statement sent to me from XXXX just a couple weeks ago shows billing charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which are incorrect. The collection agency has the amount of XXXX to be collected on my credit report and the hospital is stating that I owe XXXX that include charges for dates that I was not even in the hospital and the year as XX/XX/XXXX not XX/XX/XXXX. I have tried several times to get this matter corrected and neither the hospital, the insurance company nor the collection agency are willing to help. I advised them that I would be filing complaints with the Missouri Attorney General 's office, the FTC and the XXXX XXXX XXXX. The billing supervisor at the hospital advised me that I should also file a complaint with the state health medical insurance agency also and laughed. This is almost 6 years old and I am tired of fighting with the hospital, insurance company and collection agency. They know what they are doing is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX Fifth Third Bank issued a Cashier 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these Cashier 's Checks were marked " Pay to the Order of : XXXX XXXX XXXX ''. OnXX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed his name to each of the Cashier 's Checks and then photo-deposited them into his personal bank account at XXXX XXXX. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third,  without validating that the endorsements were full and proper, paid over on the checks to XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from XXXX and left town. Fifth Third had a very high duty of care to make sure that the Cashier 's Checks were properly and fully endorsed by the payee, and they failed to do so. They should not have accepted the checks from XXXX endorsed as they were. Fifth Third 's actions allowed XXXX personal access to money that was clearly intended to be paid [ only ] to XXXX XXXX XXXX. Their failure to validate and enforce the proper endorsement of these checks, funds that were actually guaranteed by the bank itself, has left the Remitter of the funds [ XXXX XXXX ] legally liable to XXXX XXXX XXXX as the company was never paid for the construction work it did. XXXX has refused to make good on the checks. Fifth Third had a duty to make certain the checks were endorsed by the actual payee and it failed to do so. Fifth Third should step up and make good on the {$29000.00} and pursue XXXX and/or XXXX XXXX XXXX. It should not leave it's own customer, XXXX XXXX, exposed to a lawsuit by the construction company simply because Fifth Third did not do a legal, UCC-compliant, effective and proper job of validating the endorsement on these two checks attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: OH

Complaint narrative:
XXXX-Initial Complaint regarding reporting to Equifax from XXXX. I called XXXX on Monday-XX/XX/XXXX and was informed they are a department of XXXX XXXX and to settle the dept I would have to contact firm utilized to settle dept XXXX XXXX XXXX-phone number XXXX, Paid settlement amount on Tuesday-XX/XX/XXXX in the XXXX with a debit card ; asked XXXX XXXX XXXX time frame for release of payment to XXXX ; was told it may be 30 days. I responded not possible the debit posted immediately. Called XXXX and spoke to Supervisor asked time frame they would receive information on payment ; would not give me a time frame and informed me they report to Equifax 1st or 2nd week of each Month. 

Problem : XXXX Representative did not have procedures as it relates to payment received from XXXX XXXX XXXX and no protocol as to when I should follow-up. The Supervisor was very evasive. There is no further need for and investigation ; there was untruth when XXXX  stated it sold the account to XXXX in XXXX ; XXXX is part of XXXX XXXX ; 3rd entity involved XXXX XXXX XXXX was told by XXXX any communication would come from XXXX XXXX XXXX letter of phone. Three different companies ; AND ... .It appears because I contacted you XXXX is punishing me by withholding report to Equifax . Looking to purchase condo this month. Equifax did give me back the 40 points taken when XXXX sowed up on report in XX/XX/XXXX. Spoke to Euaifax Representative told me to submit complaint would take 30 days ... ... This is unreal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: CT

Complaint narrative:
It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX  on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXX processing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed.. 

This 30 day late and all comments on my credit reports for XXXX XXXX  needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was attempting to purchase a new vehicle and was denied due to CapitalOne Auto reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have 8 student loans on my credit that have a late payment on them. The late payment according in XX/XX/2014. I was not notified of the bill until I tried to enroll in school for summer school. The bills where sent to my old school address along with the notification to my old school email. Either of which I had access too. I have called and disputed with both XXXX along with Navient with nothing coming from either. I have called Department of Education and they informed me that they will contact Navient to have the 90 removed from my credit since Im in good standings and have keep up with my loans since. Nothing is happening and it is making my credit look horrible because of the late payments. If it was one late payment Fine but its is 8 and I cant buy a house or a card without very high apr because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have never had a non payment on my credit report ever 30 years now I have had credit cards I have tried to get one and only non payment taken off from a bank of America card problem XX/XX/XXXX I  submitted to them I would like to have the nonpayment taken off credit report they take info down and tell me to check back in 30 days each time I call them it's the same story can not find info on this so we submitted again I have done this 3 times now.. what the non payment is I did not receive the statement in XXXX And Then in XXXX wrote check mail it they said never did receive it thats when they report it on my credit report as nonpayment they our never going to try and fix this because each time I call them it's like it's never been submitted so we do it all over again .... this is a bank of America credit card any help would be great tks ... ... XXXX XXXX XXXX XXXX XXXX XXXX ky XXXX phone 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 monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I received a statement that I owe {$55.00}. I am not responsible for this debt. It does not belong to me. 

I can't find this company as being bonded to collect in the state of Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I received repeated calls trying to reach my partner on my personal phone number, this information was never provided to them. During phone conversation they was insisting that my number was provided to them. I verified with my partner that my number was never provided to them.

Company response to consumer: Closed with non-monetary relief