vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: GA

Complaint narrative:
I was not notified that I had this alleged debt and I also wanted notified that this debt was being placed on my credit report. I have medical insurance so I was n't even aware of an alleged debt owed to anyone. I 've sent letters to AR Resources advising them to validate this debt because they 've violated th e HIPPA law.  I sent them a certified letter of  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX ,   XXXX   they sent me a letter stating that I owed {$1400.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. This is a violation of  the HIPPA la w. Then on  XXXX   XXXX ,   XXXX   I receive another letter for this same account stating that I owe {$190.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. In the comment section it stated that what the explanation field was for at the top with the numbers in them.  ( 1 ) meant Insurance Contractual Allowance and ( 2 ) Insurance Deductible.   This company has placed  XXXX  separate collection accounts on my credit report with  XXXX  and  XXXX  for the amounts of {$180.00}, {$1400.00}, {$75.00} and and then on my   XXXX    report they 've have {$1400.00}. From the information that sent me in these letters all of these charges for on the same bill, so why did they place  XXXX  separate collections on  XXXX  and  XXXX . The original creditor has violated the HIPPA law because they provided information that I did not give them permission to share with a third party. They 're also providing inaccurate information to the credit bureaus as well as to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
This company has called multiple times but refused to talk to anyone unless we verify information. Stop calling any of our numbers unless you are going to actually talk, I 'm not giving my information to someone I do not know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   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 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Called me at my work business number. Followed by calling my work distrubution of my SS # &  DOB  requesting confirmation of employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have paid an account that was closed due to over draft, have a receipt but it wo n't come off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stanislaus Credit Control Service, Inc.
State: GA

Complaint narrative:
Stanislaus Credit Control is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  Stanislaus Credit Control is in V iolation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and th e HIPPA La w!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX    XXXX   I had a bunch of fraudulent activity on my credit cards. I reported it to my bank  ( USAA ) i mmediately, however it took them quite a while to get the claim completely correct. Now, a year later after having issued permanent credits to my account, they have decided to reverse this action and make me liable for purchases I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On  XXXX   XXXX    XXXX   I received a call from a number that my wireless company had flagged as a likely scam which concerned me. I answered the call anyway and the representative told me they were from  Comenity LLC bank and w as financier of my  XXXX  credit card. She told me my account was 2 months past due even though I remember signing up for automatic minimum payments from their website. I made a minimum payment and wanted again attempt to sign up for auto magic payments. Another representative instructed me it can take several days before I am allowed to set up automatic payments. It is my feeling that this company puts this process in to place in an attempt to not allow customers to register for automatic payments. Every account I have with other banks is set up this way and I have always been able to do this either over the phone or most often online with no issue.     As a result of this companies processes or limited abilities they have left a negative mark on my  credit score an d have charged me late fees that I would have otherwise not been charged.     They lure people to apply by offering rebates and discounts, but slcharge an enormous interest rate. This along with the previously mentioned concern is unfair and creates a cost to consumers that expands beyond the services they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   XXXX   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 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I went to a  XXXX  minute clinic for services in  XXXX    XXXX  . Thinking my  XXXX  card used that day was sufficient, I later learned that it was n't. I first learned that I owed money not from receiving a bill from  XXXX , but collection notices from  Transworld Systems Inc. a fter the second notice, and some of my own research that I in fact had n't paid  XXXX  yet, I then paid my debt of {$100.00} directly to  XXXX  in  XXXX    XXXX  . I am still receiving collection notices fro m TSI ( 4th   n otice ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Phoenix Financial Services, LLC is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit  reports.Phoenix Financial Services, LLC a re in : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and HIPPA Law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. System Inc is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. I.C. Systems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and Hippa Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc.
State: PA

Complaint narrative:
The last time I went to  this dr my b ill was paid in full. They also charged me too much money and gave me the remaining balance back. They also charged me for xrays that were not given. This matter I thought was dealt with. I want all bills and payments showing this is owed. I also had insurance. They messed up every time I went in there. I do n't owe anything to  this dr . I am paid in full every time I seen this dr ( co   payment ). You have to pay any amount due otherwise they wont see you. I do n't owe anything. I want this removed from my credit file right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: TX

Complaint narrative:
I received a call stating  I may b e served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two pymt s of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with   XXXX   XXXX  . He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.

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 2017-05-13 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: TX

Complaint narrative:
I received a call stating  I may  be served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two p ymts of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with speedy cash. He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a call stating I  may  be served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made two pymts of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with speedy cash. He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.

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 2017-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Ditech Financial LLC Was asked to provide the  ORIGINAL  signed Note giving them the right to collect. They continue to send a letter of service agreement. We are receiving notices from several entities on the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA

Complaint narrative:
AMCA is attempting to collect on debt that I never established a contract  with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  AMCA are in violation : Violation of the Fair Credit Reporting Act Viol ation of the Fair Debt Collection Practices Act Defamation of Character an d the HIPPA L AW.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery h as contacted me at  XXXX  on numberous occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I received a missed call on  XXXX   XXXX ,   XXXX   @  XXXX  from (  XXXX   )   XXXX  a  XXXX   ,  FL  XXXX  # with no name attached to #. I received second call on  XXXX ,   XXXX  , @  XXXX  from same #. The woman on the phone proceeded to state I had to pay {$630.00} over the phone right now or she would " report this debt on my credit report withi n 2 to 3  hours ''. She did not state who she was or who she worked for. She only stated it was related to my past landlord,  XXXX   XXXX   XXXX . " Our lease '' just ended on  XXXX ,   XXXX  . I tried to explain I did not owe anything & I had not received any bills from  XXXX   XXXX   XXXX . or from anyone else & that I was driving & would get back to her by the next day once I had the opportunity to contact  XXXX   XXXX   XXXX . but she kept telling me I had to pay now or she would be putting this debt on my credit report within  2 to 3  hours & that I was a " liar ''. I asked to speak to a Supervisor. A man got on the phone & was even more persistent that I pay balance now or reach a " settlement amount & pay now '' otherwise he was going to place this debt on my credit report within  2 to 3  hours & he to denied me the opportunity to call them back once I had a chance to speak with  XXXX   XXXX   XXXX . the next day. He stated this conversation was being recorded & that " everyone always says they have never gotten a bill in the mail ''. He eventually hung up on me. I did not know if this was a scam. I do not understand why they were even trying to bill just me the whole alleged bill when there were "  XXXX  tenants '' on the lease. I have been corresponding to them by certified mail since I received a notice from them. I have tried to resolve this issue with them &  XXXX   XXXX   XXXX . I have explained to both of them the terms of the  Landlord Tenant l ease agreement & what it states about any disputes betwee n Landlord & Tenants  must go through small claims court & be granted a favorable Judgment before any debt collection attempts can be taken. I have requested  XXXX   XXXX   XXXX . to file a claim with small claims court so this issue can be resolved because  XXXX   XXXX   XXXX . amount of alleged debt owed is invalid, inaccurate & not the same as  I.Q. Data International a lleged debt. As of today, I am aware of this alleged unproven with no court order Judgment has been placed on my credit report on "  XXXX   XXXX ,   XXXX   to  XXXX   &   XXXX  ''. I am in the process of disputing this alleged debt with my creditors. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
A couple of years or so ago, I attempted to understand better how to make principal-only payments on my student loans that are handled by Navient. After a lengthy conversation with the service representative, I was told that there is no effective way of making a principal-only payment even in the means by which the  Navient  website describes. The only recourse was to submit a special  XXXX  spreadsheet with a specific date and amount that was designated for principal only, and mail was the only means to accomplish this task.     Because of these obstacles, I chose to continue paying my student loans via the regular way provided conveniently on the Navient website which allows for easy auto payment, but not much else. Even when I would make several  XXXX  dollars extra in payments per month to try to have extra money count towards principal, only about  XXXX  % would be applied to principal, again, with no way of effectively directing the payments as I desired to pay off my loans in accordance with the advice of every  financial advisor I h ave spoken with ( i.e. pay extra towards principal whenever possible ).     Their tactics of making the principal-only payment so prohibitively bureaucratic are obvious and they do nothing to help me or my family be debt-free any sooner than Navient can keep us from doing so. Please help me, so I can pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I signed a promissory note stating I would get a loan reduction down to  XXXX  dollars a month. Every time I get a bill it 's higher and higher.

Company response to consumer: Closed with explanation