vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
After viewing a copy of my credit report, l noticed three collection accounts placed on my credit report from you inXX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt ( seeing that you never sent me any written notifications ). I am unaware of any outstanding medical bills that l possess, and I am seeking the name and hospital/medical provider to which l owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please accept this letter as my formal debt validation request, which l am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
BMO Harris was running a {$200.00} sign up bonus promotion. After meeting terms, I inquired multiple times within last 120 days as to when funds will be paid. First 3 calls I was told I qualified and would be paid ( in order of phone calls ) next statement. close, 60 days, 120 days. Now, today, after 120 have passed and calling in, the bonus is somehow not to be found for my account ( yet was found first 3 times ). BMO Harris is not honoring the terms they gave me, nor the commitment made to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Citibank HELOC loan and it is scheduled for automatic payment each month by direct transfer from my checking account. There was an adjustment to the loan amount and the interest is variable ( 25 bps below prime ) and as a result of the adjustment the automatic payment was insufficient to pay the amount due. Citibank called and left a message there was a deficiency. I made an additional transfer between accounts to pay the debt. Another call ensued from Citibank the representative ( XXXX : No. XXXX ) demanding payment. ( The payment was only 10 days late, and no written notices were ever sent ). I asked him if he checked his records to see if the payment was made. He said " no. '' He said he had no ability to check records to see if the payment was made or not and that his job was just to call and demand payment. Obviously, this is harassing.

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 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: IL

Complaint narrative:
There was accounts put on to my credit profile by AFNI, INC that were not Authorized by me and are Unverified and or Inaccurate and is in direct violation of FDCPA and FCRA Laws, this is a Copyrighted name and has Leagal ramificatons along with it and Litigation my be pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: CT

Complaint narrative:
X/XX/2017, account was down to {$50.00} or so. Had an automatic transfer for {$100.00} scheduled to go to my savings and 2 small bills to pay. Bills got paid, account down to XXXX bucks. Transfer went through. Called Bank of America, said it 's still processing but also told transfers should n't happen with no money to transfer, which has happened in the past. No money usually means an automatic cancellation of that months transfer. Phone rep are no help, just getting the run-around.

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 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I called us bank credit cards to inform them my office manager had stolen money from the company and left town since she had a credit card in her name I needed to have her removed from the account I was told they removed her from the account and that they would pass to the fraud department and credit me back any charges to the account. I thought all was taken care of until I recived a call from a collection agency in XX/XX/XXXX sale I owe XXXX after many calls to us bank they sent me statements I did not receive due to she was able to call get a new card and have the billing address changed to her address with out my knolage .they told me they would look into the problem and contact me this never happened the last call to them the supervisor told me even though I was primary card holder I could not remove her from the account

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 2017-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
I am receiving calls from three different places concerning this loan, AES, the XXXX XXXX and XXXX. I am being told that XXXX has taken over the loan but I will still have to interact with AES. AES is extremely rude and unprofessional. I currently have XXXX income and they do an assessment and even though I have XXXX income and a dependent I am being told the best they could do is have me apply to pay half of what my payment is currently ( which I have been paying for the last three years ). I asked to have an application mailed to me, which I never received. Then I was told that I have to do it online. All the while I have not been offered a forbearance in the time it would take to sort this out. This seems extremely unethical. Also, I was told that XXXX took over the loan but I can not contact them about this loan, then I was told I do n't have to make payments until I receive the new terms with the new loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
A review with XXXX XXXX XXXX started in XXXX of XXXX. A call to XXXX XXXX, at XXXX XXXX XXXX on XX/XX/XXXX stated that all documents were deemed to be complete. This review carried on into XXXX with no decision yet and then a call on XX/XX/XXXX to XXXX XXXX XXXX advised that they had service transferred the loan to Select Portfolio Servicing on XX/XX/XXXX but failed to send anything about this service transfer till XX/XX/XXXX ( leaving over a month of not notifying the client of who was currently servicing the loan ). When contact was made with Select Portfolio Servicing finally on XX/XX/XXXX they stated that they did not transfer the review and they needed a complete new packet. They were required to follow the same servicing guidelines as the previous servicer and because they did not, they made the client who would have been eligible for a Making Home Affordable Modification review not eligible since the program ended on XX/XX/XXXX. The review should have continued from the previous servicer and eligibility for the Making Home Affordable Program should have been reviewed. Since the servicing of the loan was not properly transferred the client improperly was denied an option for loss mitigation assistance. The result of the most resent review states that they denied the modification review because of it being " a bad business decision '' and that the loan is not eligible to be modified. In a QWR response by the previous servicer, the owner of the note is named as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was a participate in the National Mortgage Settlement Agreement. As participants, the consent judgement XXXX XXXX XXXX XXXX. signed requires them to review for a modification to make the loan more affordable. The consent judgement order from the courts dated XX/XX/XXXX changed that servicing requirement for XXXX XXXX XXXX XXXX owned and serviced loans investor guidelines where they might prefer not to as specified in the original mortgage note. In this consent judgement there is not a provision for a denial based on " bad business decision. '' They also are required to advise of the financial information that they used to make the decision ( gross income and household expense calculation ) which they are not. The denial leaves it completely unknown as to the information they used to reach their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I, XXXX XXXX XXXX ( DOB : XX/XX/XXXX debt collector for credit card that I contend was erroneously sent to collections, as I had established auto payment ( {$50.00} ) above initial minimum payment ( approx. {$35.00} ) for a Bank of America credit card opened onXX/XX/XXXXwith {$2500.00} credit limit. The ( a ) initial billing and ( b ) date auto payment was established are conveniently not included in discovery, and I am unable to obtain this information online through my current BOA checking account. I have not contacted BOA since the filing of this lawsuit due to distrust and not knowing source of presumed fraudulent practices. BOA contacted me about delinquency of account, but on at least two occasions before account was transferred to collections, I spoke to BOA rep, which could not explain why the auto payments, in excess of billing expenses, were not adequate. In XX/XX/XXXX when balance was approximately {$1800.00}, below the {$2500.00} limit, I had transaction declined at local XXXX and then learned that BOA suspended the card. On XX/XX/XXXX BOA sold account to XXXX XXXX XXXX for undocumented amount. I am being sued for {$3800.00}. Though I have had no direct dealings with XXXX XXXX XXXX court record notes, " The last payment was posted to the account on XX/XX/XXXX in the amount of {$50.00}. '' In reality, BOA continued to take auto payments for 47 months after it was sent to collections through XX/XX/XXXX, and without any expressed agreement and/or without addressing my contentions that the auto payments were timely and adequate, BOA sent this money to collections agent. The court documentation has discrepancies and falsifications, as it reflects " there is now due and payable from the Defendant the sum of {$2400.00} ; plus accrued interest of {$1300.00} through XX/XX/XXXX ... '' Additionally and just as contended with BOA, regular payments are taken simultaneously while default interest is being accrued. There appears to be 2-3 grounds where bank loses its creditor exemption, and I would like to explore counter claim ( s )  against bank and collections agents. The matter is set for trial in 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 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX continues to report my credit card balance incorrect. The card is paid to a XXXX balance each month prior to their reporting. XXXX continues to report the card with almost a {$3000.00} balance. This has been an ongoing issue for over three years now. There have also been consumer financial protection bro complaints filed on the same issue and have never been resolved. There is a serious pattern of non compliance. I have requested a letter in writing from XXXX XXXX for federal credit union stating the account was paid to a XXXX  balance and was reported as a XXXX balance on XXXX. XXXX refuses to respond to my written correspondence and refuses to speak to me on the phone regarding this issue. Trans Union and XXXX have both tried to contact XXXX at the number provided on their reporting, however, the phone number provided is disconnected.

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 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX continues to report my credit card balance incorrect. The card is paid to a XXXX balance each month prior to their reporting. XXXX  continues to report the card with almost a {$3000.00} balance. This has been an ongoing issue for over three years now. There have also been consumer financial protection bro complaints filed on the same issue and have never been resolved. There is a serious pattern of non compliance.
I have requested a letter in writing from XXXX XXXX  for federal credit union stating the account was paid to a XXXX balance and was reported as a XXXX balance on XXXXXXXX17.
XXXX refuses to respond to my written correspondence and refuses to speak to me on the phone regarding this issue.
XXXX XXXX and Experian have both tried to contact XXXX at the number provided on their reporting, however, the phone number provided is disconnected.

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 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nagle & Zaller, PC
State: MD

Complaint narrative:
My home is located in an HOA that was managed by XXXX until XX/XX/XXXX. During their management numerous accounting errors were made which resulted in a $ 300+ balance that was turned over to Nagle and Zaller in XX/XX/XXXXfor collection. Specifically, these accounting errors were the recording of returned check in XX/XX/XXXX and the non-payment of dues in XX/XX/XXXX. After receiving this account, Nagle and Zaller placed a lien against my title for the $ 1600+ outstanding balance owed. I became aware of this balance upon attempting to refinance my home in XX/XX/XXXX. Over the course of the last several days I 've sent two cancelled checks showing that payment was made on this account in both XXXX and XX/XX/XXXX, effectively showing that there was never a balance owed and that this account should not have been turned over to the law office for collection. Further this proved that the lien that was placed against my title should have been immediately released as it was stemming from accounting errors on the part of their client, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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 — Card was charged for something you did not purchase with the card
Company: UBS BANK USA
State: CO

Complaint narrative:
Hope this complaint gets thru 3rd time writing it disappears after add attachments.
On XXXX XXXX 2017 get XXXX 2017 statement from ubs bank usa credit card.I notice there are {$1400.00} in charges did not make.I call the fraud dept. at ubs and sign declaration of fraudulent activity.Talk to XXXX in fraud dept ( manager ) She tells me {$1400.00} in charges will be reimbursed.
In XX/XX/XXXX get statement and I see {$400.00} in fraudulent charges have not been removed and date has now been chaned toXX/XX/XXXX .Did not make these charges and {$400.00} has been stolen from me by ubs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Van Ru Credit Corporation
State: FL

Complaint narrative:
This actually is in reference to my previous complaint XXXX but apparently you do n't have a way to send additional comments on a complaint. I had n't received a status since last XXXX. Once I submitted to you the documentation that I had already rehabilitated my loan around 2003, XXXX apparently sold my loan & stopped garnishment, I 'm guessing because they were caught in a lie? However, they sold the loan to Van Ru Corporation & now they are threatening garnishment. I have paid twice the principal on this loan, and would now be eligible for forgiveness since I work for a public agency if XXXX had originally negotiated an affordable payment with me in 2003 as they were required to by 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 non-monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a courtesy service my bank, the XXXX XXXX XXXX XXXX, provides my Experian Credit Score. I believed this to be true and factual. However, recently my wife and I applied for a consumer new auto loan and was surprised when the rejection explanation listed completely different credit scores for both of us. XXXX tells me that they used our " lending '' score, along with other factors. Their Notice of Our Decision letter never mentions the term " lending credit score ''. How and why it is legal to provide me, the consumer, false information and misleading information and provide completely different information to lenders? I do not understand.

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 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had a XXXX account and I have no knowledge of this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I deposited {$1200.00} ( {$1000.00} check and XXXX in cash ) at a JP Morgan Chase ATM on XXXX XXXX in XXXX, OH on XXXX XXXX 2017. The ATM malfunctioned during the deposit and took the cash and check, but was unable to process the transaction. I called Chase on the next business day to try and resolve the situation, they credited me for the transaction and said they would look into it. On XXXX XXXX, they removed the credit without any explanation. I called and was told there was no sign of the cash and check and now they are saying they can not do anything about it. They essentially stole money that I entrusted with them from me.

Company response to consumer: Closed with monetary relief