vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have received a call every day ( multiple times ) since last Wednesday from Radius Global Solutions, and this debt collection agency continues to call after I have notified them that I won't be able to do anything about it for another month. The bill in question is a surprise or balance bill from XXXX XXXX XXXX, and they debt collection agency is excessively calling me after I told them I wouldn't be able to pay it now. When I visited the emergency center to get XXXX after a wreck, I was ensured by the administration team that the place/providers were in my network, but I got this bill after the fact because they misled me. They also misled me to believe it was a urgent care center instead of an emergency room. The bill in question is now illegal in this state, and I have serious questions about the ethical nature of collecting this bill. I have about 15,000 dollars in debt, and most of it is medical debt. I know the collection agency has no idea of what the bill is for but their tactics have been excessive and most likely violating regulations. 

Medical Debt is hurting so many Americans and government is just now trying to fix the chaotic state of insurance, providers, and big pharma in this country. Criminal what the healthcare system is doing in the modern age to profit off of hard working Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Received information from another creditor whom denied me an extension of credit due to a negative entry on my credit report placed by XXXX XXXX. After receiving the notice via mail from the creditor, they referenced Equifax as the provider of data. I pulled my Equifax report to find XXXX XXXX had placed a negative entry on my credit file which also appeared on my XXXX  file. I sent a debt validation letter to XXXX  XXXX dated XX/XX/2017 via USPS Certified mail with Return Receipt. XXXX XXXX received the debt validation letter as evidenced by the signed Return Receipt I received back from post office. Although XXXX XXXX never provided a response to my request for debt validation via mail nor phone, they removed the negative entry from my XXXX file but did not remove the negative entry from my Equifax file. Due to XXXX  XXXXXXXX XXXX failure to validate the debt as requested and their refusal to respond in an appropriate time frame, I am requesting immediate removal of this negative entry from my credit file as I am entitled to receive under the Fair Debt Collection Practices Act. Prompt attention to this request is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
credit report shows payment to XXXX XXXX for XX/XX/XXXX was late. Payment was not late. All payments were on auto-pay. No payments were late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems
State: IL

Complaint narrative:
On XX/XX/2019 I was contacted by a supposed private courier that said that they had a certified letter that was to be delivered to me by Friday XX/XX/2019. If I needed to reschedule the delivery they advised me to call CRS XXXX XXXX and provided me with a case number. 

I called CRS XXXX XXXX and the person that answered claimed to be a paralegal and said that the case that was against me was from an old XXXX XXXX account that was overdrawn 10 years ago for about {$500.00} and that CRS XXXX XXXX  was sending a court summons for the amount of {$1500.00} but I was given the option of making a payment plan or paying a lower amount before XX/XX/2019.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I sent in a letter to the company to have them validate the debt. I specially ask the to attach copies of agreement with their client that authorizes them to collect on the alleged debt, agreement that bears signature of the alleged debtor and a complete payment history on the account so as to prove that the debt amount they wish to collect is correct. They never sent me neither of those documents. The only documentation that they provided to me was a bill from XXXX billing date XX/XX/2018. THAT IS NOT PROPER VALIDATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 


Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the XXXX XXXX XXXX, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, 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 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was a victim of identity theft. I did not open credit card and notified company of that. The account should have been closed of further use. Instead I was hit with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: PA

Complaint narrative:
I was contacted by a company representing themselves as " SIMM Associates '' regarding an apparent XXXX debt. They have called me from spoofed phone numbers & not their legitimate toll free number. They have not actually sent me anything in the mail. But I do not currently have any debt with XXXX as of XX/XX/2019. I have paid the collections agency that notified me via mail. They are leaving me messages saying to call back with a reference # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Over the past few months GM Financial has not been applying payments made from my financial institution to my account and ultimately have reported inaccurate information on my credit report showing late payment history. I have never been late and it is an internal problem with their company. I have attempted to rectify this on multiple occasions with multiple people at GM Financial and they are unwilling to return phone calls to me when requesting to speak with a supervisor. I have documentation of payment history attached to this complaint. This has negatively impacted my ability to pursue a refinance on my home due to their internal error and negative reporting of payment history on my credit report. What could be so hard about looking up the last name on my check to accurately report my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Contactedcustomerservicebuttheywouldnotfixit.Closedaccountstillreportingeverymonthisaviolationoffcra.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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 — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
In XX/XX/2019, I received an opened letter from Transworld Systems Inc due to it being misdelivered to another adress and immediately sent them ( Transworld Systems Inc ) a debt validation letter. Transworld Systems Inc received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from Transworld Systems Inc via mail nor by phone and the negative entry remains on my credit files ( XXXX, XXXX and XXXX ). Due to Transworld Systems Inc 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and has notified Experian of my identity being tampered with. I have requested for unauthorized inquiries to be removed from my report. There are several unauthorized inquiries that needs to be blocked from my credit profile. 

My request is for the following Creditor inquiry to be Blocked XXXX XXXX : Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I sent a mailed request to Capital One to request for a pay for deletion to remove the collection from my credit report in return for me paying the account in full instead they sent me a stall letter claiming that they can't find my information on file for the account and to submit more information when I sent my name, DOB, and ssn number to them for them to research these accounts that are reporting to all 3 credit bureaus, I also noticed a discrepancy with the different account numbers on each letter. I need for this to be investigated on why my requests are being stalled and not answered to when they have all information pertaining to these accounts on my credit profile. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I received my tax bill from the county and found that I was paying double the tax I was assessed. I called ROUNDPOINT Mortgaging Servicing Corporation and I was told that I am going to receive a check for {$1900.00} and that my mortgage payment would decrease from {$1000.00} to {$900.00} ( and change ). I was also told that it would be sent through the mail to my personal address by the XXXX of XXXX. This call was made around the XXXX. I received a call a few days later and the representative on the phone told me that I would be receiving {$1300.00} ( I don't have the exact amount ) and they didn't say anything further about my decreased mortgage payment. I received another call from them saying that my refund would be {$800.00} ( I don't have the exact amount but it was XXXX dollars and something ). They indicated to me, at the beginning of each call, that the call would be recorded. The information I have provided should be available on their recorded line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: OR

Complaint narrative:
I applied for a home equity loan with key bank about three weeks ago. They initially declined me for too much debt to income ratio. I spoke with their Mortgage Broker and it sounded like they made a mistake in that they specified that I would NOT be paying off the unsecured debt, which was not the case. The Mortgage Broker caught that mistake and she re-processed the loan application, specifying that we WOULD be paying off the unsecured debt with the equity loan. Another week and a half or so and they came back and said we're declined. The initial explanation was verbal from the Mortgage Broker. In  the verbal explanation was that our debt to income is still not sufficient. On XX/XX/19, I emailed the loan processor again asking for a better explanation in writing and I off-offhandedly speculated and asked " could it be that there somehow counting my dependents and some how discriminating against the size of my family. '' To my shock and surprise on XX/XX/XXXX she replied in an email saying my number of dependents is indeed a factor. I believe size of a family should not be used to discriminate against in applying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported the unauthorized charges to Macy 's customer service and Macy 's fraud department in XXXX, Ohio. There has been more than one report. I contacted Macy 's on XX/XX/XXXX at the XXXX Ohio Corporate Headquarters. They are aware of the problem, I am owed a refund for money received by Macy 's in connection with the unauthorized charges, approximately XXXX  not including the penalties and interest which have accrued since my most recent demand for payment which was made by certified mail inXX/XX/XXXX. I was stalked to shop. A police report has been filed. 

A report has been made to the FTC. 

The penalties and interest increase the award by 100 times which equals.XXXX. 

On XX/XX/XXXX Macy 's claims to have escalated the issue. My banker and the police detective have been given the status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
In XX/XX/2019, I received a letter from XXXX XXXX XXXX XXXX, which stated that they represented PayPal, Inc. in an overdue bill for {$300.00}. I immediately called XXXX, and they tagged the account as fraud. In XX/XX/2019, I again received a letter from XXXX which asked for additional documentation about the account. I replied by email that I had not made any charges to PayPal, that I did not know what the charges were for or when they had been made, and that I could not provide more specification information. On XX/XX/XXXX, I received another letter from Convergent with an attached letter from PayPal. The letter listed an account in my name and using my address but with an email address I had not opened or used and did not recognize. I followed the action plan on the IdentityTheft.gov website. On XX/XX/XXXX, I recieved a notice from another collection agency, XXXX XXXX , XXXX, indicating that my failure to dispute the debt within 30 days would result in XXXX declaring the debt valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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: CO

Complaint narrative:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute against XXXX XXXX XXXX on my credit report because they showed an inaccurate late payment after I had closed my account and paid in full. They also mailed me a letter that stated my account was closed in good standing, which I submitted with the dispute to TransUnion on XX/XX/19 on their online reporting page. It said submitted for manual processing. I also mailed in the supporting letter and supplied the file number and information in case there was a problem with the upload. I never got any response. I then call after the 30 day period to check on it and the dispute line said they saw no submission and they could not see information on the online site for disputes. They sent me to the online number and they said they saw nothing wrong all the information is there and sent back to dispute line and still nothing. I asked for a supervisor and they said none were available and they couldnt do anything else but submit another dispute so they were suppose to and send a confirmation email, but I never received a confirmation. I had no problems with XXXX or XXXX with online dispute, it actually took three days from submitting for the inaccuracies to be fixed. I am not sure how to get this fixed if TransUnion doesnt have a process for disputes that gets followed through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
The Debt was paid in full on XX/XX/2019. It is reflecting in my credit that it is " Paid Charge Off ''. This is for FMC-OMAHA SERVICT CT. I want this removed from my credit for all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I scheduled ONE time payment to my XXXX credit card of {$300.00} on XXXX XXXX 2019. Bank of America charged me {$35.00} overdraft fee DOUBLE time instead of one time. So instead of {$35.00} overdraft fee Bank of America charged me {$70.00} for ONE time scheduled payment. 

This is my second time I'm writing here for this exact issue because previous last time I been ignored and the reply that I see here in this site from Bank of America is false. It says : " The company sent the response directly to the consumer because it could not confirm who submitted this complaint ... ''. First, I haven't got anything directly. Second, how could Bank of America could not confirm who is submitting this complaint if I'm showing in here my name, my bank account, my address, etc. I can't explain this sort of reply like anything but simple ignoring my complaint and rejecting to do anything in order to solve an issue as Bank of America normally do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I received a notification on XX/XX/2019 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
On XX/XX/2019 i spoke with my auto loan company ( Exeter Finance ) to request that i start receving detailed statement to show how my monthly payments are applied I.E total payment to interest to principal. they stated that they dont offer that type of statement .when i stated that it was a violation of u.s federal law and the banking regulatory act and that i needed to be provided a detailed bill every month. they stated that they will have to look into that and i would have to call every month if i needed something more. which is an inconvenience for me since i am in XXXX and have limited access to internet and phone.

Company response to consumer: Closed with explanation