vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from CHOICE RECOVERY INC but I am unaware of the amount due and your bill does not include a breakdown of any fees.

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party.

Validation of Debt, and HIPAA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
During the recent disaster from Hurricane Irma XX/XX/2017, I reached out to the lender to provide payment relief, they gave us a payment deferral which they advised would get added to the lone, they then didn't provide any options as required by Federal Law and started threatening with Foreclosure if the full amount {$4500.00} was not paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
There are 2 charges on my credit report - XXXX XXXX XXXX & IQ Data International both claiming I owe money. 

IQ Data Int - original lender XXXX XXXX XXXX XXXX - {$3500.00} XXXX XXXX XXXX - original lender XXXX XXXX XXXX XXXX - {$3500.00} Apartment fraud - XXXX filed 2 charges, never provided final move out notice per leasing agent. 

This apartment agreed to terminate my lease with a move out fee, which I submitted by personal check in XX/XX/2016 but was told I had to wait for final move out notice. The new company I went to work for agreed to pay my relocation charges, and made sure my package included this amount. The final move out balance check was never cashed by XXXX and then an employee of XXXX provided my estranged ex husband with my new address while under investigation for XXXX   XXXX after my bank records were audited during the divorce. My ex husband learned my wearabouts because of XXXX XXXX XXXX XXXX and began XXXX XXXX XXXX XXXX XXXXl XXXX again!!!! Most unethical place ever!!!! I am homeless and now have 2 creditors calling me for the same charge. This needs to be resolved as no one ever gave me the final invoice and the apartment violated the family protection act.

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 2018-04-30 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: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
My consumer credit report from XXXX XXXX XXXX XXXX contained an unknown and unauthorized inquiry from a company called CNU Online Holdings for an alleged payday loan. I have never had a payday loan from any company yet XXXX stated that it had been verified without providing any tangible and legal proof. My contact at XXXX is a lady named XXXX and her number is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received emails from Navient reminding me to reapply for the income-based repayment program I have used since my federal student loans went into repayment. The emails led with the date XX/XX/XXXX, as the date my payment would increase. Deeper into the emails, there is a second date, XX/XX/XXXX, by which they write is important to reapply by " in order to keep [ my ] lower payment amount. '' I submitted my usual IBR payment to Navient on XX/XX/XXXX. On XX/XX/XXXX, I received another reminder to reenroll in IBR before my payments increased on XX/XX/XXXX. I subsequently submitted my IBR repayment recertification via studentloans.gov on XX/XX/XXXX after completing this  year 's taxes. 

In the meantime, Navient capitalized over {$16000.00} worth of interest on my loans on XX/XX/XXXX. Despite the fact that I will make uninterrupted IBR payments, as I have for years, they say that by waiting until XX/XX/XXXX to reapply I left the IBR program. Although I will reenter seamlessly in time for my XX/XX/XXXX payment, according to Navient I have triggered capitalization. 

I find Navient 's communications deliberately misleading by repeatedly offering up the date XX/XX/XXXX, but only naming XX/XX/XXXX on two occasions and less prominently. I have loans through another servicer, XXXX XXXX XXXX. Using the same IBR recertification on XX/XX/XXXX, they have reprocessed my IBR plan with no interest capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bayside Capital Services, LLC
State: CA

Complaint narrative:
Today XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX called my mom dont know how they got her number telling her I need to contact them ASAP regarding a legal claim. When I called back XXXX answered and was trying to say I had a bounced check for a loan from XX/XX/2016 from XXXX XXXX XXXX who by the wG is illegal in the state of California, but when I told him I never received a debt validation written notice he said a thats why were giving me a courtesy call then he started to get mad saying I dont pay my debts so I started going off on him questioning the legitimacy of the company asked for his business license he hung up. Then I called again and some supervisor answer and was trying to verify my info I said no until I get that written notice am not verifying XXXX and he said I dont have the license number we dont have to provide it. I said I dont give a XXXX do what you got to do if that means well see each other in court so be it. And he hung up never once did he disclosed my name is XXXX this is an attempt to collect a debt nothing this people are rude and nasty but when you treat them the same they hang up. They think there smarter and can scare you wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: GA

Complaint narrative:
Good afternoon : I received a letter dated XX/XX/XXXX. Regarding a medical debt from an emergency service from XX/XX/XXXX. I have previously called when I received the bill last year and informed the representative that I was unable to make a payment because of my employment situation, the representative mentioned that my credit will be harm although I tried to request an extension. Today I tried to get in contact with the debt collection company, the first time I called the call they hanged on me, second time, somebody answered and I provided the ID number and my current the address, still the representative said I needed to provide my DOB, when I asked her why, she hang on the phone on me. I tried for the third time and I was unable no make any arrangement because the representative hanged on the phone on me. I am attaching evidence of the phone calls I have made as well as the letter that I received from them where they threatened me mentioning legal actions such as obtaining a copy of a judgment, I don't have an idea of any legal procedure going on. And finally the emergency service was called to my house on XX/XX/XXXX, the paramedics checked me and decided to take me to the hospital which I have understood it is a service that the city provides when they have to take you in the ambulance. I will appreciate if you could please look up on to my case. I have work really hard and I spent money to keep my credit clean. Also the representives behavior is very rude and they don't allow to speak they are just ready to hang on the phone on people. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a dollar payment with XXXX in my bank account and after the charge I was left with XXXX XXXX but the Bank of America said I didnt have the dollar to pay when I clearly did

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 2018-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Through the XXXX XXXX personal account auto-pay bill payment system I had been paying on my {$25000.00} XXXX XXXX student loan for many, many years. IN XX/XX/XXXXI PAID OFF THE LOAN. I had been paying XXXX XXXX for many years before the loan was sold to Citibank ( when exactly I am unsure ) and in XX/XX/XXXX, Citibank has stated it sold the loan back to XXXX XXXX, as Citibank no longer handled student loans. Unfortunately, I forgot to turn off the auto payments going to Citibank. Thus, in XX/XX/XXXX I contacted XXXX XXXX to alert them of this fact and found that they had record of the payments to both XXXX XXXX and Citibank. Citibank only rejected payments starting in XX/XX/XXXX until XX/XX/XXXX. Citibank received payments all of XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX started receiving money from XXXX XXXX between XX/XX/XXXX until XX/XX/XXXX, without rejections. When I contacted Citibank and XXXX XXXX, both companies stated they had returned the overpayments to XXXX XXXX late XX/XX/XXXX, Citibank did send me two refund checks in the mail, though not stating which months they were crediting. On XX/XX/XXXX I and a representative of XXXX XXXX contacted Citibank ( XXXX ), and proof of overpayments payments were sent to Citibank ( XXXX ), as they requested. As of XX/XX/XXXX no funds have been returned into my XXXX XXXX account from Citibank ( XXXX ) or XXXX XXXX, and I and a XXXX XXXX representative were hung up on when we were speaking to a Citibank ( XXXX ) representative on that day. As well as I can calculate, with {$250.00} being paid each month since the pay-off in XX/XX/XXXX( which exact month I am unsure ), over a five year period, I am owed at the least {$15000.00} and at most {$18000.00} from Citibank and XXXX XXXX combined.

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 2018-04-30 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: BTH Management
State: SC

Complaint narrative:
XXXX XXXX, which is a collection agency, began reporting a new open delinquency to XXXX on XX/XX/XXXX. They list the original creditor as XXXX XXXX XXXX XXXX. I had to research to find out that XXXX XXXX is parent company to a payday loan service in Ohio. I may have had business dealings with a payday loan service in Ohio no later than summer of XX/XX/XXXX, but am unsure. I certainly did not open an account in XX/XX/XXXX, stop paying a balance, or admit to owing any such balance. I have several times disputed the reporting of XXXX XXXX, which continues to get me nowhere. Now I am having difficulty getting a mortgage because of this, as it factors into my DTI at 5 % monthly payment of the balance of the reported 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 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
There is as a unknown account listed on my personal credit file. I have disputed with no validation ever being received. Please help as I do not owe anyone XXXX at all.

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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery - XXXX XXXX Credit Card - Outstanding Balance : {$700.00} This debt is close to 10 years old. I have been informed I can not be sued for the debt, and I informed them that I am unemployed, and was just in a very serious car accident. Their response is 'we will continue to call. ' I asked them on several occasions to please stop, as it is not a financial obligation that I can take care of at this moment, and I unfortunately do not have a timeline to fix this nearly decade old debt. 

I asked them politely each time, explained my personal situation ( which I don't feel comfortable explaining to a complete stranger ) and said that at this point, it is harassment. These conversations are all recorded on their line. 

Now they are calling me from forwarded phone numbers, so I am unable to call back directly each time - and this is a tactic to make me think it is someone in my area code. Very shady, and I would really appreciate if they would stop with the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 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: GA

Complaint narrative:
I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : XXXX : Account Name : XXXX   XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX 201 Account # : ,XXXX Date Open :XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  fraudulent accounts : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX  Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Transunion fraudulent accounts ; Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Transunion address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2018-04-30 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: GA

Complaint narrative:
I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : XXXX : Account Name : XXXX   XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX 201 Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax fraudulent accounts : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Equifax address : XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX fraudulent accounts ; Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX  Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is the second complain about statute of limitation.

XXXX I Submitted a complaints to the Consumer Financial Protection Bureau on XX/XX/XXXX WELLS FARGO CARD SERVICE and XXXX   Credit report XX/XX/XXXX and WELLS FARGO CARD SERVICE have last payment as XX/XX/XXXX WELLS FARGO CARD SERVICE Balance : {$160.00} From XX/XX/XXXX to XX/XX/XXXX is five years. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible WELLS FARGO bank is trying to collect a debt which the statue of limitations in Florida have expired.

XXXX on XX/XX/XXXX verified as accurate and undated.

How can they Wells Fargo balance when it been over 5 years?

XXXX on XX/XX/XXXX credit report also show balance

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