vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  sent me a debt collection notice regarding a XXXX XXXX bill for services dated XX/XX/XXXX in the amount of {$710.00} for account number XXXX. I called XXXX on XX/XX/XXXX at XXXX XXXX  and spoke with XXXX # XXXX. I informed her that I was calling to dispute the debt and that an error in billing was being discussed with XXXX. She state that she was not going to do anything with the dispute until XXXX sends them something in writing. I reminded her of my rights as a consumer to dispute any debt and that the collection agency needed to follow up with the original debtor to validate any debt. XXXX argued and continued to refuse my request for dispute until I requested to speak to a manager. XXXX was reminded that this conversation was on a recorded line and at that time she complied with my request. I contacted XXXX billing department shortly after and spoke with an agent who confirmed that I had ab balance due of {$710.00}. I informed that representative after looking at the statements that this account was on a payment plan which was set up on XX/XX/XXXX via telephone conversation. The payments were to be EFT through my checking account ending in # XXXX. The representative confirmed this payment plan and stated that payments were being made on the account via mail with various check numbers. She then stated that XXXX payment processing was applying the payments to other accounts with balances instead of the account designated on the check and payment slip with the bill. I was told that instead of following the attached payment voucher that XXXX was applying the payments with any account associated with my patient number # XXXX. When ask why this was done I was informed that the wanted to keep my newer accounts current instead of making my payments on my old accounts, which the payment was designated for. I have made a complaint with XXXX and awaiting management to resolve this issues. XXXX XXXX XXXX has stated that they will not do their do diligence and follow-up on 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 explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
The company XXXX XXXX has called multiple times and threatened to serve me with court papers. They also threatened to take me to jail. I have been receiving calls and voicemails since XX/XX/2018. I reached out to the company and they stated they can not work with me on a payment plan to help reduce the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid my Bank of American CC on time in XX/XX/2018. In XX/XX/2018 I received my a new statement with a {$25.00} late fee and interest. I called in XX/XX/XXXX, the rep said they were sorry and took off the interest charge, but not the late fee. At that time I closed the account. On XX/XX/XXXX I recived a new statement with {$25.00} late fee and interest, I was not late I called again today and they would not take off fees

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK
State: MO

Complaint narrative:
on XX/XX/2018 I attempted to make a payment towards my commerce bank credit card but I was going to use my XXXX XXXX XXXX checking account to make the payment. I used {$10.00} from my XXXX XXXX XXXX account to go toward the commerce bank payment and for it to be taken off the XXXX  XXXX XXXX card the same day. One week later I check my account any my commerce credit account balance is really high and I click to find out why, and it was because there was {$35.00} worth of banking fees charged to my account. So I called customer service only to find out they were not willing to credit back fees because they claim I made an error at the time of payment but that was not the case as I checked my account personally online and in person and the commerce and XXXX XXXX XXXX.But commerce bank is stating that the account number was wrong but I personally checked the account numbers online and inperson with a teller. The numbers were correct but the credit bank is still disputing that they made an error and refuses to credit my account back the entire amount that I was charged and as the error was not my doing I should be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: AL

Complaint narrative:
Allied Interstate repeatedly calls my place of employment even though I have told them NOT to contact me, instead to send me some information by mail regarding whatever they are calling me about. I have repeatedly told these people not to call and they insist on doing so. 
XX/XX/2018 - XXXX I told them to contact me via usps XX/XX/2018 - XXXX I told them to not call my place of employment XX/XX/2018 - XXXX I repeated myself and said the next time someone calls this number, I will have legal counsel reach out to them XX/XX/2018 - XXXX They call once again! 

I am fed up with these calls and these aren't the only calls, I can and will have my call log pulled. The numbers they call from are : XXXX and 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 2018-10-16 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: IN

Complaint narrative:
XXXX XXXX has fraudulently been using my SSN since XX/XX/XXXX and in XX/XX/XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

Equifax & XXXX  wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XX/XX/XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX  and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

Equifax 's site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to XXXX, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello I've been a customer with the Bank for 5 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached my balance yet although my card has been close for 3 years ... I have paid over XXXX in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc.
State: WA

Complaint narrative:
Several weeks ago a debt collector name Delta Management Associates Inc. phone XXXX located XXXX XXXX XXXX XXXX XXXX XXXX, MA. 
or XXXX. XXXX XXXX XXXX, Ma XXXX called me regarding a debt for a XXXX XXXX. I informed them that is not me and to not call again. week of XX/XX/XXXX the company called me again on the same number. On XX/XX/XXXX I received another call on the same XXXX number. This time I spoke with the manager who said his name was XXXX XXXX and he said they would remove me from their call list. However 10 minutes later they called again on a cell phone of mine. I then specifically asked them to remove all phone numbers that have my name listed on it from the area code in which I live. This they refused to do. Although they are referencing my name with the number they wanted me to give them my phone numbers. I told them you are only calling me because my name of XXXX XXXX is associated with this number and because you have associated my name with XXXX XXXX you are calling me. So easily you can find the numbers associated with my name and remove them from your list. They still insisted they won't do this. I believe this is abusive especially since the debt they are calling about is not even the person they are calling. They said they would remove the called numbers from the list yet would not send me a confirmation in email or writing and said only two numbers would be removed. Again I believe it is their job to know who they are calling and is not right to keep calling the same person again who doesn't belong to the debt.

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 2018-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN XXXX = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON XXXX AND NOW 3 ON TRANSUNION. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT XXXX XXXX REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
TRANSUNION                                                 XXXX                        
1. XXXX XXXX XXXX                                   1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX XXXX
3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS XXXX XXXX ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX  vs. Transunion,LLC    and XXXX, et al v. XXXX XXXX

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: UT

Complaint narrative:
XXXX is reporting a collection for XXXX on my credit file. I did not know about this debt until I checked my credit file. I did not receive any notices or any phone calls about this debt. I called and paid this debt as soon as I seen it on my credit report. However, I did not get my 30 days right to dispute notation.

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/2017 I requested my billing address be updated. The agent assured me it was updated. However, I received a notification that I was 30 days late in paying the minimum amount due, {$31.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/2018, I opened 2 business checking accts at Suntrust Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I requested to deposit XXXX dollars into the first acct and XXXX dollars into the second acct. 

Branch mgr. XXXX XXXX erroneously deposit the amounts into the wrong accts, with XXXX going into XXXX and XXXX into XXXX. I then wrote one check and two ACH transactions on the acct ending in XXXX, which, if not for the bank error, would've been covered. 

As a result, we have so far incurred two NSF fees in error, including one on a XXXX dollar check written to a XXXX XXXX, who deposited the check into her XXXX XXXX acct, causing fees in her acct as well. 

I learned of the error today, XX/XX/18, when entering the branch. Banker XXXX XXXX said she was unable to move the money to reverse the issue, unable to reverse fees, unable to let me withdraw funds or even close the accts. because the accts. had all been flagged for fraud, again, due to the bank errors. 

This is causing major problems for me, my business, my nonprofit, and Ms. XXXX. I had offered to meet her with a cashier 's check, but now Suntrust is holding all our funds. 

I left a voicemail for district mgr. Asst, XXXX XXXX, have not yet received reply. 

I asked to speak with Fraud dept, but they will not let 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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
The only borrower for a loan died - his estate ( being handled by his step-son ) is trying to sell this home through a short sale because the loan payoff exceeds the value for the home. 

The loan servicer, Ocwen, is demanding that the executor assumes the loan to proceed with a short sale. Why would someone, who is not legally liable for a delinquent loan which exceeds the value of the underlying asset, assume it? This is bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: MT

Complaint narrative:
I have two inquires on my report from XXXX XXXX XXXX on my credit reports one on XX/XX/XXXX and one on XX/XX/XXXX and I have never applied to XXXX and have no idea that it is.

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 2018-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
About 5 or 6 months ago, I purchased a mattress for {$400.00} from this place ( can't recall the name ) where I applied for credit to cover the extended payment process. They delivered the mattress before the approval came back ( on a Sat evening ) and on Mon morning, 2 days later, I received an email from Acima credit saying I was denied based on several factors. I contacted the guy I got the mattress from asking what was the next step and he told me to see how it plays out. So about 3 weeks later, these deductions started coming out of my account, which was no big deal, I just figured it would take the {$400.00} and we'd be done. But about a month ago now, a payment disappeared where they are trying to charge me all these ridiculous late fees around {$40.00} for a payment that was made. So I contacted them to find out if it could be resolved and asked how much I owed so I could get the thing paid off and be done, they informed me that I owe over $ 800+. I asked how I owed so much and they told me that I owe them for the original balance plus the 1 year lease and financing, to which I asked, how do I owe you for a financing plan that you denied me for? They are trying to tell me that they NEVER ever sent me a denial letter. I feel like there's something fishy going on and needing help figuring out what I am dealing with. I don't deny owing {$400.00} minus 6 months of {$18.00} per week, but how am I being charged for something I was denied for?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello I've been a customer with the Bank for 12 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached ... I have paid a lot in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.Please Help

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: NY

Complaint narrative:
XXXX is having direct deposit problems, they blame Netspend and I can not access my money and Im having a big problem with my mortgage payments. XXXX or Netspend did not give any heads up on this problem

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2016. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 explanation