vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
a ) I confirm that I have received a written communication from BRITE FINANCIAL SERVICES dated XX/XX/2019 wherein they make reference to the above captioned matter. 

b ) I have sent my request to Brite Financial Services, LLC, dated XX/XX/2019 and XX/XX/2019 for BRITE FINANCIAL SERVICES to confirm the balance owing on the above referenced matter and for BRITE FINANCIAL SERVICES to confirm that BRITE FINANCIAL SERVICES would accept full payment of the alleged obligation from me in consideration of BRITE FINANCIAL SERVICES delivery to me of the original instrument of indebtedness in its original form. 

c ) I confirm that I have received a written communication from LAW OFFICES XXXX XXXX , XXXX. dated XX/XX/2019wherein they make reference to the above captioned matter. 

d ) I have sent written communication to LAW OFFICES XXXX XXXX, XXXX., datedXX/XX/2019 informing LAW OFFICES XXXX XXXX , XXXX . that it is apparent that LAW OFFICES XXXX XXXX , XXXX. are acting on the presumption that some relationship that LAW OFFICES XXXX XXXX , XXXX. may have with Brite Financial Services, LLC, is in some way related to me. I am not a party to this implied relationship LAW OFFICES XXXX XXXX , XXXX. has with Brite Financial Services, LLC, either directly, indirectly or by means of any tacit consent. 

e ) I confirm that I have received a Summons from LAW OFFICES XXXX XXXX XXXX XXXX. issue date XX/XX/19 Expiration date XX/XX/119 wherein you make reference to the above captioned matter. Defendant has not seen or been presented with any documentation verifying that l have voluntarily, knowingly and intentionally, entered into a contract with any civil court, to perform to your demands ; and believe that no such verified documentation exists ; Defendant has not seen or been presented with documentation verifying that all the terms of the contract were disclosed in the document, and believes that no such verified documentation exists ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
I received a letter from William and Fudge , Inc about being delinquent on an account with a bank. I reached out to the bank and they did not have any missed payments or even the account number that I was given to me on on the notice. I have reached out to all my student loan lenders and I have not been delinquent. I do not know how they got my contact information because William and Fudge received my information from the bank that has apparently sent me multiple notices. I've lived in the same address for over 2 years now and this is the first time I have had any interaction with the lender bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
Hi I have had a relationship with Sterling Savings Bank and then when it got merged with Umpqua started a new 2nd mortgage account with them. 

It was a product called " Relationship Checking '' and was a premier account. At the time I opened, i wasn't sure about any special requirements. Around XXXX of XXXX I consolidated my mortgage and 2nd mortgage with XXXX XXXX XXXX XXXX. Hence my 2nd mortgage got closed. I had electronic statements, and there was no mention of any change in fees being accessed. I just recently was curious about this account, and when i logged in, found they have been debiting {$18.00} per month. I have always never maintained more than {$5500.00} as average monthly balance in the account. 

I visited the branch XXXX XXXX XXXX XXXX and  spoke to the branch manager. She mentioned that the fee was because i maintained less than {$15000.00} per month which was a requirement to avoid the fees. I did tell them my account never had any amount more than {$5500.00} per month as average daily balance. She said she is not aware why i was not accessed the fee earlier, but that there is nothing she could do to help. 

They had taken {$18.00} from XX/XX/XXXX - XXXX XXXX. which is for 23 months which amounts to {$410.00}

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 2019-06-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
Today i received a phone call from someone who claimed to be a third party loan servicer for FedLoan. The name of their company was XXXX XXXX XXXX XXXX and/or XXXX  XXXX  XXXX. I was told to confirm my information and they had everything on me. My social security number, My date of birth, my phone number and address, my bank account number that i pay my loans through, everything. i felt like it was a scam so i hung up and called FedLoan to find out that they do not work with third party servicers and it was a scam. i want to protect my information, but i know they have it. i do not feel safe paying my student loans anymore and am very insecure about my personal information being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I received a letter from XXXX and  XXXX , XXXX about being delinquent on an account with a bank. I reached out to the bank and they did not have any missed payments or even the account number that I was given to me on on the notice. I have reached out to all my student loan lenders and I have not been delinquent. I do not know how they got my contact information because XXXX and XXXX received my information from the bank that has apparently sent me multiple notices. I've lived in the same address for over 2 years now and this is the first time I have had any interaction with the lender bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX 's office called XX/XX/XXXX and offered a 50 % year-end promotion on dental services. His treatment plan called for two XXXX   XXXX XXXX and two XXXX for XXXX XXXX & XXXX. After receiving substandard dental  services which caused excruciating pain on XXXX   XXXX and the discovery that the 50 % discount was actually more than the allowed insurance rate, I cancelled services and requested a refund for services paid but not rendered since I paid the treatment plan in full ahead of schedule. 

XXXX XXXX billed XXXX at {$1200.00}, with 50 % discount, my cost is {$600.00}. However, XXXX contract pricing is {$600.00} for XXXX   member rate is {$300.00} of which I pay 60 % or {$180.00}. He is clearly overcharging. 

XXXX XXXX reversed 2 payments of {$550.00} each and {$300.00}, since XXXX XXXX refused to return money, stating services were performed. Included is a treatment plan from XXXX XXXX on XX/XX/XXXX for XXXX build up and XXXX  for XXXX XXXX & XXXX. 

XXXX XXXX scheduled XXXX to be seated XX/XX/XXXX. However, after cancellation , XXXX XXXX billed XXXX for 2 XXXX XXXX XXXX  and XXXX XXXX for services rendered XX/XX/XXXX, which is fraud. Please note treatment plan from  XXXX XXXX on XX/XX/XXXX for XXXX and XXXX   buildup on XXXX  XXXX & XXXX. This clearly shows work was not completed on XXXX  XXXX & XXXX 

After review, XXXX determined, those services were not performed and adjusted XXXX XXXX 's claim accordingly. XXXX XXXX continues to bill for these services not performed and referred such to Paramount Recovery for collection. 

Attached is a ledger showing charges and my initial payment with the promotional discount, letter from XXXX stating services were not provided, but started, EOB from XXXX for services rendered, ledger for services he seeks to collect payment, and invoice and from XXXX XXXX for XXXX XXXX XXXX and XXXX for tooth XXXX on XX/XX/XXXX. In short, his claim is fraudulent and deceptive. His claim is fraudulent. 

XX/XX/XXXX, I emailed Paramount Recovery Systems the above mentioned statements from XXXX XXXX, letter from insurance company stating the work wasn't completed and invoice from XXXX XXXX for XXXX and XXXX XXXX XXXX  on tooth XXXX, disputing these charges from XXXX XXXX. Since I had not heard back from Paramount Recovery Systems, I called XX/XX/XXXX, for update and was told because I visited the XXXX XXXX XXXX, the claim is valid and will not be removed. 

I am appalled Paramount Recovery Systems is shunning it's responsibilities in addressing this issue. In the past, I called several times and was told a supervisor would call back in 24 hours. I never received a call back from anyone. Paramount Recovery Systems notified XXXX, which shows " disputed '' and status shows " closed. '' The other 2 agencies show status " active '' with no dispute indication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: UT

Complaint narrative:
I have a creditor, XXXX Financial, reporting to all three credit bureaus that I have some sort of debt.If I ask for the details on this debt, the can not provide me any information as it belongs to a company I used to work at, and apparently not to me. 

Over the last year or so, this debt has shown up on my credit profile. In addition, it is associated with an address I have never lived at, the creditor says the debt is associated with the address. However I have never lived at that address. So even though I am not on the debt and not associated with the address, I am still seeing it on my credit reports. 

I have disputed with all three credit bureaus. It typically disappears for a short while but then reappears because they say it is associated with the address. Unfortunately I can not dispute the address because they say it is associated with someone reporting on my credit. 

It is a endless cycle. I can not remove the address because of the debt. Removing the debt ends up reassociating because of the address. Even disputing the address after removing the debt fails because it does not give them time to finish an investigation into removing the address by the bureaus before it is stopped because the debt pops back up. 

As for the debt itself, I can not get any information as information does not match on the debt. I no longer work for the other company, but even then if it is not mine, then it shouldn't be on my report. 

Can someone please help me get this resolved. Bureaus point to the creditor. Creditor points to the bureau. Any assistance would be appreciated. I can't seem to get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tormey Bewley Corporation
State: CA

Complaint narrative:
In XXXX XXXX, CO, XXXX XXXX XXXX XXXX, under false pretenses, rushed us into the treatment room. I asked several times before that if they accepted my health plan ( XXXX/XXXX XXXX as a XXXX employee at the time ) and received no answer. After they had XXXX my eyes they tell me they only give me a 10 % discount since they didn't accepted my XXXX/XXXX  plan. Meaning that she wanted to charge us {$360.00} for a prescription! I immediately told them I was not going to accept that. Neither my wife or I never received a complete examination or a prescription for new glasses. They attempted to had me a prescription, which I immediately returned and walked out. 

Now the account is with Advantage Network System and they want to take advantage and charge the initial amount plus their fees for a total now of {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor Advocates Inc
State: MN

Complaint narrative:
Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her surgery or care through the XXXX XXXX XXXX  should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University of XXXX. This is also includes bills for the anesthesiologist. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.

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 2019-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
your law firm is in violation of the fair debt collection practice act, and that violation robs the court of jurisdiction in this action against me. Any further drama in court over this matter will place the court, and the Judge in a position to share the civil liability with your unlicensed debt collection law firm. The fair debt collection practice act mandates debt collector law firms must have a license to collect debts, they must have a bond, and they must be registered with the Attorney General for the State they are attempting to collect in. Your law firm does not meet these legal requirements necessary to lawfully collect a debt in my State, and therefore has no legal authority to harass me. 
The fact this debt was charged off the original corporations books, claimed on their taxes and written off as an insurance loss gives rise to the appearance of R.I.C.O. The contract in dispute was not with your debt collection corporation, and therefore you have no legal standing to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PayPal MasterCard had charged security card charges to account which caused card to go over limit even after no purchases were made after 2. Had been charged this service since 2011 which grossed {$1800.00}. Called security card charging company ( synchrony ) which in turn refunded credit towards bill. Spoke with PayPal to ask if security card charge fee incurred interest, person said no but would gladly remove lasts months interest fee. Only {$2500.00} was made in purchases in which over {$2000.00} had been paid to card company and after {$1800.00} was credited to account, it had left a {$1600.00} balance which I believe was caused by interest charges on security card charges. Asked to speak with someone else, which in turn was no help and I was hung up on.

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 2019-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 60 Month Loans, Inc.
State: CA

Complaint narrative:
i was offered a loan of $ XXXX@ 19.47 % but when i applied for it real. it came out {$2600.00} @ 69 %. they ran my credit and got all the bank statements. i want them to remove my hard inquiry on my credit report and report it to credit unions for removal of hard inquiry. 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 non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capital One Auto Finance roughly two weeks ago for the purpose of correcting inaccuracies on my credit report. I cleary explained to the representative that I was serving my country with the U.S XXXX during the time the payment for the vehicle loan on the 2014 XXXX XXXX. I explained that I assumed the payment where being handle by my now ex-wife a the time but found out that they where not being paid. I only found out that the payment where not made because the vehicle was involved in a accident which resulted in a total loss. I was left with a car upside down on a loan in which my GAP insurance and car insurance covered most of the loan. I made a payment to settle the balance of the loan. I am trying to purchase a home but with Capital One Auto Financing reporting such negative remarks/late payment on all 3 credit bureau, this is causing me emotional distress and would never own a home but rent a house my whole life. I have attached a response from Capital One credit card that I had the same problem with payment not being made by ex wife showing the time frame of me serving my country which corresponds with the date that the vehicle started to report late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DIRECMANAGEMENT, INC.
State: MN

Complaint narrative:
Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her XXXX or care through the XXXX XXXX XXXX should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University XXXX XXXX. This is also includes bills for the XXXX. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, Direct Management, and XXXX XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX / PHH Mortgage Services, chooses not to look into loan errors affecting my loan assistance request. This loan servicer is not treating me fairly but opts to foreclose on me, yet my household income is currently stable and adequate to save my home.

1. Part of the reason my loan modification was denied, is because this servicer has incorrect data input on my loan file.

2. This servicer also did not calculate my income correctly during the loan review.

3. This servicer is keeping the foreclosure saledate active, as they will not bother to look into the other claims in my appeal request. Its seems much easier for this servicer to foreclose on me, than investigating my loan file or analyze it appropriately for a possible home retention plan. 

The circumstances that led to my default were inevitable and are behind me at this present time.

Company response to consumer: Closed with explanation