vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: IL

Complaint narrative:
On XX/XX/2017 your Inquiry Resolution Specialist, XXXX XXXX, sent me a letter. This letter was XXXX XXXX XXXX attempt to validate a date. The said debt belongs to XXXX XXXX XXXX. The debt is not theirs to collect from me. 

The company went further on to send me a bill from XXXX XXXX XXXX that outlined medical procedures that had taken place. We BOTH know that is an automatic HIPAA violation. The company went even further as to present a document that could be used as a contracta contract between XXXX XXXX XXXX and XXXX XXXX. Unfortunately for the agency, the contract does not include XXXX XXXX XXXX. Also, the signature is not mine-at all. Each credit bureau has a copy of my identification and ssn card ( which includes my signature ). 

Due to the recklessness on your XXXX XXXX XXXX part, I have reported them to the Office of Civil Rights for their HIPAA violation. I have also reported them to the BBB for misrepresenting their actual power. XXXX XXXX XXXX is currently banned from collecting in the state of Illinois -- which is my current residence. Also, since this agency is responsible for the only collection any of my three credit reports, their false reporting has caused me undue damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had a accident on XX/XX/XXXX and injured my XXXX and XXXX. I was being treated by a couple of doctors and hospitals. I returned to school after having XXXX XXXX with XXXX XXXX XXXX, and they sent me home, but I couldn't work for 9 years. I was supported by Public assistance. I submitted all my doctors papers to XXXX XXXX and Navient to get my payment discharged, but they only put me on forbearance and deferment plans. In XX/XX/XXXX I started to work part-time and they took my income tax check. I called the student loan ombudsman, and he made them return my income tax money, but never fixed the problem. Since this incident, i was a single mother on low income, but Navient and XXXX XXXX kept increasing the interest. On XX/XX/XXXX, I received an e-mail from a company saying that they we're the U.S. Dept. Of Education, XXXX. XXXX XXXX, XXXX, TX XXXX, stating that I have 15 days to send all papers stating your dispute. I sent all of my doctors papers to them, then received papers from a company called XXXX XXXX XXXX. with an extra {$6100.00} added on that I never heard of. They also claimed that the papers arrived late, which wasn't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX XXXX regarding a negative paypal account balance on XX/XX/XXXX Knowing I didn't have a negative balance, I called their service number immediately, and they informed me that someone opened an account in my name under the email : XXXX They had my SSN, name, everything. The man at Paypal told me my identity was most likely stolen, and to file a police report, freeze my credit, etc. and they would file it for a fraud investigation. I call them again on XX/XX/XXXX to see when I would be able to access my acounts again, as I do a lot of business online. 

They told me that they reviewed the case, and didn't see it as fraud.. They are now asking for the negative balance of {$770.00}, and that they find me responsible. I offered the case file # that I filed with the XXXX County Sheriff 's Department for them to re-open it, since my identity WAS stolen and they refused.

It's ridiculous how un-helpful they were. I am astounded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Vehicle loan or lease — Lease
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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I had the following account with XXXX XXXX XXXX for the last several years covering two cars. XXXX. Both of these cars were paid monthly using the autopay feature of the website. The lease on this car ( XXXX ) was extended by me over the phoen with XXXX. I was unaware at the time and was not told the monthly payment ( on the same ar was actually going up ) Either way that affected how the XXXX autopay system works as it was paying the old amount. The original payment was {$320.00} and the payment rose to {$340.00}. The autopay should have paid the entire payment which was due, not the old payment. That is highly unusual to set an autopay and the proper payment is not made. 

I called and was told that I had to manually turn off the autopay to make the payment and turn it back on which I did. I was then out of the country for several weeks and was unaware of any issue. I came back and once notified, this was corrected immediately.. In order to do this I had to turn off the autopay to make the {$79.00} payment. After making that payment I turned on the autopay which had been on covering both of my accounts for several years. Any issue that happened was a technical issue on the website. I have documented that every single payment on both of my accounts was always paid on time and on autopay since the loans were opened. 

I called the company on XX/XX/18 and they were unwilling to resolve this matter without me making a formal complaint. They have market my account delinquent which has a very negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting to my credit. They have report my car payments late 7 times. When I in fact was not late and I have the proof that I wasnt late. My payments are due on the XXXX of every month but 7 different times when I paid on the XXXX they marked my payments as late and reported it to the credit bureaus. I made them mail me copies of my payment history. These are the dates they marked late but I have proof I wasnt late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I want these 7 payments credited to my account as made on time and I want the adjustment made with the credit bureaus. I also want the fees associated with these late payment removed because I wasnt 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 2018-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: NV

Complaint narrative:
In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX XXXX XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car. 

Several weeks later, in XX/XX/XXXX, I got a bill from XXXX XXXX for {$400.00}. I called XXXX to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done. 

But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that XXXX did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease. 

In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey. 

I am now getting threats of collection from XXXX ( letter attached ). I have emailed XXXX through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from XXXX or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are. 

I would appreciate your intervention in getting XXXX to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
did not authorize inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I applied for a loan modification about four months ago with XXXX XXXX XXXX, but their paperwork still has my ex husband 's name on the paper work even though I've sent them and they have confirmed the following : Divorce decree from XX/XX/2015 Quit Claim deed notarized in Colorado They have acknowledged that my ex husband DID NOT sign the original bank note, but still insist that he must sign the loan modification papers, which him and his new wife REFUSE to do. 

Ocwen has acknowledged they have the documents in question, but still will not complete the modification even though I have submitted the three trial payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: IN

Complaint narrative:
Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. 

XXXX never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. 

Either company can not produce our original contract. 

Communication and lying are being reported. Below are other reports of this happening off the BBB. 

GOVERNMENT ACTION Gov Action Utah DOPL On XX/XX/XXXX the Utah Division of Occupational and Professional Licensing ( DOPL ) found XXXX, XXXX employing an unlicensed individual as an alarm company agent. Respondent was issued a fine of {$400.00} which has been paid. 

GOVERNMENT ACTION Pennsylvania Attorney General Settlement On XX/XX/XXXX, Attorney General of Pennsylvania entered into a Settlement Agreement with XXXX, XXXX. According to the settlement, agents from XXXX allegedly made the following misrepresentations in door to door solicitations : XXXX agents said they were affiliated with the consumers ' existing security companies. 
Agents further said that consumers ' existing security systems and services n GOVERNMENT ACTION State of Texas v. XXXX, XXXX. 
On XX/XX/XXXX, XXXX , XXXX. and XXXX XXXX XXXX , XXXX. entered into an Assurance of Voluntary Compliance ( AVC ) with State of Texas. The State of Texas alleged XXXX  employees engaged in door-to-door solicitations for home alarm system goods and services in Texas without being authorized to do so as required by the Occupations Code and some of the XXXX  employees engaged in door-to-door solicitation in Texas after

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I Wrote XXXX XXXX to Validate debt ( acct # XXXX ) was mine with my signature. I receive letter XX/XX/2018 that they didn't have any information on me. That the ownership of this account has been transferred to XXXX XXXX, XXXX See letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
did not authorize inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MD

Complaint narrative:
n XX/XX/XXXX, I took over someone's lease at XXXX XXXX. After 3 weeks of residing there, I relapsed with a chronic illness and needed to move back home. I went and spoke with Assistant Manager XXXX. He told me that he would talk with his manager, but he was sure that I would be able to move without paying a penalty or other charges. Shortly after I moved out, I received a letter from ProCollect stating that I owed approximately {$76.00}. I called ProCollect to dispute that charge. Everyone I talked with at ProCollect was spoke very aggressively, harassing and threatening. They would not let me complete voicing my side of the story. They had erroneous information such as I lived in two apartments during my stay at XXXX XXXX. I tracked down the previous head manager, XXXX XXXX, that basically said he could not help me because his company no longer manages XXXX XXXX. I called XXXX XXXX who said they can not help me because they do not have the same computer system or my file. I then received a cancellation letter from ProCollect saying that my account had been closed. I figured they investigated the case as I had requested and found the error and closed my case. On XX/XX/XXXX, I saw that ProCollect had once again put an account on my XXXX  credit report stating that I owe {$1100.00} for unpaid rent and other items. I called ProCollect and XXXX and was put through the same headache as I was before. No one will help me with this erroneous 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 explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I purchased a home in XX/XX/XXXX. The mortgage was issued by Bank of America ( BoA ). I then opened a checking account with BoA because they offered their Advance Tiered Checking account to customers who had mortgages with them free of charge. the fee for this account is normally $ XXXX/month, unless you have either $ XXXX in the account or qualify for free checking through some other offer, such as having a mortgage with BoA. Several years later, I think in XX/XX/XXXX, BoA sold my mortgage to a third-party servicer. I did not want to be serviced by a third-party, but I have no control over what BoA does with the mortgage. Apparently, BoA issued a waiver at the time so that the {$25.00} fee would not be withdrawn from my account since I no longer had the qualifying mortgage for the checking account. I was not informed of said waiver. Fast forward to XX/XX/XXXX, BoA audits my account ( without telling me ) and cancels the waiver ( again without notifying me ) and promptly begins withdrawing {$25.00} from my account each month. I noticed this in XX/XX/XXXX after BoA had already taken {$100.00} in fees from my account. I complained to their customer service department but was told that they would only return {$25.00} and that basically I was out of luck and should switch accounts. Do NOT bank with BoA. They are crooks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western-Shamrock Corporation
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act Western Shamrock corporation is in violation of the law. Western Shamrock corporation has not validated any debt that belongs to me XXXX XXXX, therefore under the FDCPA Law Western Shamrock corporation can no longer collect any payments, and are not to report any negative entry to the credit report agencies in pursuant to the FCRA. Western Shamrock corporation has failed to validate the debt. You are in violation of the FDCPA law an can be sued because no contractual evidence has been proven to show that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this XXXX  has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
Here is the exact email I sent to Coinbase to figure out where my {$1500.00} wire transfer is. It was completed by my bank on XX/XX/17 and I have still not yet received my funds. This is unacceptable and I believe your Bureau has had to deal with this many times : Hello, My name is XXXX XXXX XXXX. I sent a wire transfer on the date of XX/XX/2017 and have not received funds in my coinable/XXXX account. The wire was sent from a bank located in the United States for {$1500.00} and should be credited to my account already. I understand that your company has been struggling to keep up with these wires transfers but I've seen on XXXX forums that international users have gotten their wires deposited into their account in a few business days. It has been too long and I want to know where my funds are. I work closely with the office of the ombudsperson at the XXXX XXXX XXXX  and do not want to take this case to the next level. It would truly be a burden for the both of us. So if you could please look into the situation as soon as possible I would be more than grateful. If not, I will have to take legal action. 

Thank you, XXXX XXXX XXXX This was the first email. Ive sent multiple emails and only get automated responses about a specialist looking into it. But no results yet and it has been over a month. Ive emailed, called, and posted to forums many times but have not yet received my funds. I am a XXXX XXXX   and that money is very important to me to survive and be able to pay for school. I need it ASAP to cover

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
This account is not mine for the amount of {$240.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: Westlake Services, LLC
State: IL

Complaint narrative:
THIS ACCT DOES NOT BELONG TO ME FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: IN

Complaint narrative:
Disputing the credit report No one notified us we were being sent to collections This should not be affecting my credit score and should be taken off immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have debt cancellation XXXX but XXXX in trying to collect on the debt I have faxed documents to for of XXXX and XXXX from XX/XX/XXXX thru XX/XX/XXXX no resolve I was contacted and told by an advocate from XXXX that she would review and get back to me this was XX/XX/XXXX no response XX/XX/XXXX I contacted the advocate i received an email to confirm the email was received

Company response to consumer: Closed with explanation