vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Received notice from Receivable Solution about a debt that I questioned. I sent them a request for validation including but not limited to a contract or signed authorization in concern to HIPAA violation by certified mail. Yesterday I received a letter back from them signed by XXXX XXXX. The letter including a print out with my personal information and medical costs and treatment without no signed contract or authorization with my name on it. Medical records are confidential and should not be shared with third party without the patients permission in which no permission was given. With that being said Receivable Solutions is in violation of the FDCPA and if they continue to attempt to collect this debt and report it on my credit reports they will be in further violation. Please make note of this complaint and help me to resolve this matter immediately without any further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NY

Complaint narrative:
Not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NY

Complaint narrative:
Not my accounts

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 2020-03-12 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: NY

Complaint narrative:
These are not my items reporting

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 2020-03-12 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: Webcollex, LLC
State: FL

Complaint narrative:
I'm a victim of identity theft I filed a police report and sent to all credit bureaus XXXX, XXXX, XXXX I dispute a creditor which had been taken off 2 years ago which show up in my XXXX  credit report this is fraud then recently it was put back I dispute and was not take off. CKS Prime Investments original XXXX XXXX XXXX  it shows Account # XXXX collection opened XX/XX/2018 contact information XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I have no idea have never had anything to with this company I called them personally and no way to resolve anything with them I'm desperate or XXXX  please help resolve this matter. 

Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2020 someone in XXXX, New York tried to withdrawal {$3000.00} out of my bank account and was stopped by the branch manager at Chase. They went to a second branch and were able to withdrawal the full amount ( split over two transactions to not require a manager override ), leaving my account with less than {$50.00}. I called that day and filed a claim and was told that I would be totally taken care of in 5 business days. I called for more information on the 4th day and was told that now it could take 90 days, that 5 days was just a guideline, that there's no information on the account and that no one is able to make an outbound call to update me. In the meantime I don't have access to my paycheck or my money. The Chase manager at the offending branch said that they did everything right, which can not be the case. We live in Ohio, there are no transactions that occur anywhere near New York. I would like some assistance getting this resolved please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/2019, I opened a XXXX XXXX  Mastercard by Comenity Bank. I have used it a total of 3 times. I paid for the first 2 charges as soon as I received a bill. I tried to do this by logging in to their website and entering my information so that I could autopay my bill. I could not get the website to take my information. I called and spoke to a representative gave my information and was told I was all set. When I received my second bill I tried again to pay it online, again I could not get the website to accept my information. I again called the company and spoke to a representative, again I gave all my information and at that time I paid the bill long before it's due date. This month I had no current charges and being an XXXX did not check the bill immediately. When I did check it I found that the last charge was still on the bill along with a late fee and an interest charge. I again called the company and was told that the payment had not gone through so the late fee was justified but " out of the goodness of their hearts '' they waived {$15.00} of the {$27.00} fee. I am never late with payments! My credits score is in the high 700 's. The card in question is currently in my trash in many, many pieces. I paid the bill in total through my bank immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: WV

Complaint narrative:
MY GRANDPARENTS COSIGNED FOR ME A COUPLE LOANS THROUGH SALLIE MAE. LONG BEFORE I GRADUATED THEY STARTED DEMANDING MONEY IS LARGE SUMS. MY GRANDPARENTS PAID THEM OVER XXXX AT ONCE WHEN THEY GOT TRICKED INTO THINKING THEY HAD TO. I HAVE TRIED TO TELL SALLIE MAE THAT I MAKE XXXX HOUR AND ALONG WITH BILLS AND RENT I ALSO HAVE A CHILD TO TAKE CARE OF. I CAN BARLEY AFFORD TO PAY THEM ANYTHING BUT AM WILLING TO PAY THEM XXXX OR SOMETIMES MORE A MONTH. MY GRANDPARENTS ARE RETIRED AND CANT AFFORD TO PAY THEM WHAT THEY ARE DEMANDING. THEY ARE NOW CALLING MULTIPLE TIMES AN HOUR MAKING THREATS AND HARASSING US AND BULLYING US. THEY SAID MY LOANS ARE IN DEFAULT AND NEED MY GRANDPARENTS TO PAY XXXX UP FRONT NOW AND ME MAKE XXXX MONTH PAYMENTS. I TOLD THEM I CAN SEE ABOUT THAT A MONTH BUT MY GRANDPARENTS CANT AFFORD THE XXXX UP FRONT. THEY WILL NOT SETTLE FOR ANYTHING BUT THAT. THEY ARE THREATENING TO SUE AND THEY INVADED MY GRANDPARENTS PRIVACY BY LOOKING INTO THEIR BANK ACCOUNT. MY GRANDMA TOLD THEM SHE COULD NOT AFFORD TO PAY THAT UP FRONT AND THEY TOLD ME THAT THEY KNOW SHE CAN AND THAT THEY KNOW MORE ABOUT IT THAN I DO. THE SALLIE MAE REPS ARE VERY RUDE. IM NOT TRYING TO GET OUT OF PAYING BUT I WANT MY GRANDPARENTS OFF THE HOOK AND FOR ME TO BE ABLE TO PAY AFFORDABLE PAYMENTS A MONTH. I CAN NOT GO HOMELESS BECAUSE OF THEM. I HAVE MY CHILD TO THINK ABOUT AND MY GRANDPARENTS BARELY HAVE MONEY, JUST ENOUGH TO COVER BILLS AND FOOD. PLEASE HELP ME GET SOME TYPE OF RELIEF. IM ABOUT TO GO CRAZY. AGAIN THEY CALL MULTIPLE TIMES AN HOUR WITH ACCUSATIONS AND DEMANDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
The Creditor as claimed is XXXX XXXX  XXXX XXXX Fl. The application for the apartment was jointly made with my son who is in college at the time. There was XXXX which led to XXXX at the apartment. No keys was issued or lived in the complex for one hour, they were called by my son that he was no longer interested. XXXX XXXX XXXX XXXX then turned around saying that I owed them {$4100.00}. This is affecting my credit score and unable to secure credit for any thing.

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 non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: MA

Complaint narrative:
I was sent a debt collection notice on XX/XX/2019 because my XXXX  didn't work while I was driving in XXXX 2019. Because I was moving around, I didn't hear back from Delaware DOT and it was sent to debt collection. I mailed them a letter ( drafted using the XXXX website ) on XX/XX/2019 asking for more information about the debt, but heard nothing back. I sent another letter in XX/XX/2019 and heard nothing back. I received a letter from them dated XXXX XXXX that said " 2nd Collection Notice ''. I called them back and asked them why they didn't reply to my two previous inquiries. They said they couldn't mail me back unless I lifted the case and desist letter. The customer service representative said they were going to mail the information I asked for, but then stopped when they received a Cease and Desist letter. I then asked how I got another letter, and they said they did not know. I asked to speak with a supervisor and the supervisor said they had no record of me asking for information about the debt. She gave me another PO Box number which was different from the letter PO Box number on the mail I received. She said she would file a dispute and an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
This account is showing on my report : NATIONAL ACCT SYSTEMS-OM XXXX, NE XXXX NATIONAL ACCT SYSTEMS-OM XXXX XXXX XXXX # 1. No notification was sent before placing on my credit report as required by law # 2. My insurance paid this claim # 3. Work was done without authorization By law -- this needs removed on my credit report and never placed back on or I will file suit against XXXX XXXX and collection agency National Account Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: KEYCORP
State: ME

Complaint narrative:
My company financed a vehicle in XXXX with Key Bank, and have never been late. In XXXX of XXXX I called to get the payoff, and made the payment. I took out another loan with them for another vehicle a couple of weeks later, and in late XXXX I started getting collection calls. Originally I thought there was some mistake, and they were talking about my new loan. I was getting two or three calls on three different numbers, and sometime there was no one on the line. In XXXX I spoke with someone in the collections department that told me when I thought I paid off the loan they hadn't given me the full amount with {$27.00} in interest. He said he was going to put me on hold, and speak with customer service to have them waive it. After 45 minutes he disconnected the call. There has been several calls back and forth that have ended with them disconnecting the call. Finally out of frustration I paid them the first week of XXXX, and thought it was over. On XX/XX/XXXX I got a Certified Letter with a Right to Cure for another {$28.00} that they want. They've put it on my personal and business credit reports with my score dropping 30 points. I now have until XX/XX/XXXX to pay them or they are coming to get my van.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I do not agree with Citi Card 's merchant favor dispute decision and am filing a complaint. I would like Citi 's decision reversed and credit {$300.00} back to my card. 

I purchased {$300.00} XXXX card from XXXX 's website for my mother-in-law 's birthday on XX/XX/XXXX. However, after receiving the XXXX card through email, I noticed the gift card was not valid to use on Friday, Saturday, or any holidays. So, on the same afternoon that I purchased the gift card, I tried to cancel this transaction immediately by calling XXXX restaurant ( the number on the website where I purchased the gift card ), however, they informed me that they don't handle online XXXX purchases. This is done through a third company. The restaurant manager stated they have no way of communicating with them. She suggested I cancel the transaction or dispute charge with Citi Card. I followed her advice and started the dispute with Citi. I provided them with all information and documentation, and on XX/XX/XXXX, they resolved and closed this case in favor of the merchant. I have no idea why Citi sided with the merchant. I did not use the gift card, and there was no way of contacting the gift card issuer or returning the gift card. The virtual gift cards were emailed to me, and the sender 's email address is XXXX. These noreply email addresses are not monitored, and it's useless to reply back. 

I would greatly appreciate CFPB 's help in getting {$300.00} credit back to my Citi card.

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 2020-03-12 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: NE

Complaint narrative:
This account is showing on my report : XXXX XXXX  XXXX XXXX, NE XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX # 1. No notification was sent before placing on my credit report as required by law # 2. My insurance paid this claim # 3. Work was done without authorization By law -- this needs removed on my credit report and never placed back on or I will file suit against XXXX XXXX and collection agency XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: EQUIFAX, INC.
State: NE

Complaint narrative:
This account is showing on my report : XXXX XXXX  XXXX XXXX, NE XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX # 1. No notification was sent before placing on my credit report as required by law # 2. My insurance paid this claim # 3. Work was done without authorization By law -- this needs removed on my credit report and never placed back on or I will file suit against XXXX XXXX and collection agency XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
On XX/XX/XXXX I made a purchase though XXXX for some items with my checking account. I received an email from TRS recovery service on XX/XX/XXXX advising me that the payment did not clear. I checked the error and realized I provided my saving account number not my checking. I then called TRS recovery on XX/XX/XXXX and made a payment of XXXX to resolve the issue the payments where broken up into two separate charges one for XXXX and the other XXXX. Those payments were withdrawn from my account on XX/XX/XXXX, I attempted to make another purchase from XXXX on XX/XX/XXXX and was advised my account was still on hold with TRS recovery because a payment was never received even though the payment was withdrawn on XX/XX/XXXX. I have can TRS recovery numerous of times since then and have only gotten the run around I was told to call XXXX, call your bank we dont show we have it your bank sent the payment back on the XXXX but I made the payment with my debit card and also spoke with my financial institution and they shown nothing has been returned and the payment was intact withdrawn on XX/XX/XXXX. I was then told by TRS recovery that I would have to file an appeal which would take up to 30 days for a review ( meaning I would have to spend more time and money into an issue that hasnt been resolved on their end ) and to fax in the appeal.

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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I disputed incorrect information on my credit report on XX/XX/2020 and received a completion on XX/XX/2020 That stated the item had been deleted. 

On XX/XX/2020 I pulled a new copy of my report and saw the address was still on my report. I called into the consumer report center to inquire why? I was told it was deleted again. 

On XX/XX/2020 I was sent Report # XXXX. The next day I pulled another report only to realize it was still on my report. 

I have called 3 more times and recorded each call to try and rectify the situation to no avail.. At this point i have been giving several different stories to why it's still on my report and non made sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
My wife and I purchased a cabin on XX/XX/XXXX and got a mortgage through a broker. The loan was immediately sold to New Rez and all of the escrows collected at closing were transferred as well. 

Due to the timing of the closing we were concerned that the bill for property taxes would make it's way to the mortgage company given the time it takes to update the county records. In an attempt to avoid a late payment of the property taxes which were due XX/XX/XXXX I called New Rez to explain the situation and give them the property tax bill and tried to ensure they would pay it. Below is a summary of the calls I have made to New Rez XX/XX/XXXX My initial call to New Rez, I explained to them my concerns about the property taxes being paid and the situation I described above. They informed me that it didn't look like our account was setup for escrow ( It was and we paid the initial balances at closing ), but that can sometimes take up to thirty days to show up in their system. They advised me to call back at the end of the month and send in the property tax bill. On XX/XX/XXXX I emailed them the property tax bill which the acknowledged receiving. 

XX/XX/XXXX I called New Rez to verify that our account did have an escrow and they confirmed they had an escrow account for both property taxes and insurance. They also confirmed again that they received the property tax bill that I sent them and that it was scheduled to be paid in one to two weeks. Note that I can also clearly see on my mortgage statements that there is an escrow account with a balance ( more than enough to pay the tax bill ) and a portion of my payment is going to fund the escrow account. 

XX/XX/XXXX I received a letter from the county that the property taxes had not been paid and that late fees and interest have been assessed. I called New Rez again, this time they seemed to be very puzzled and nobody had any clue on how to help me, they transferred me 4 times which lead to me being on the phone for 1 hour and 5 minutes before anyone would even talk to me. They assured me that the order was in to pay the taxes and that they would cover any late fees and interest. 

XX/XX/XXXX My wife called the county to see if the taxes had been paid, they have not. She then called New Rez where they again acknowledged that a ticket had been opened XX/XX/XXXX and that they had received the tax bill but the ticket was still open. Despite our efforts we have not been able to speak to anyone that seems to know anything about our escrow account or how the property taxes should get paid. Nor have we been able to talk to anyone who even has a hypothesis on why our taxes have not been paid. They re-assured us that they would get paid and that New Rez would cover any late fees and interest.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. It was previously removed because it could not be verified per FCRA. It is now back in full violation of the FCRA ... 

PUBLIC FILINGS XXXX-XX/XX/16 BK IND. CH-XXXX DISCHG inaccurate

Company response to consumer: Closed with explanation