vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C.Tech Collections, Inc.
State: NJ

Complaint narrative:
I have these  XXXX   Reports b y  XXXX   Collection Agencie s whose address are :  1.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX    2 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX   I contacted them today that these bills are supposed to be paid by my   XXXX   XXXX    :    XXXX   XXXX   XXXX   XXXX   XXXX   but seems to me that they wo n't consider it. They are attacking me by using a Credit Report thus would give a handicap for me in borrowing or just an approval for medical needs. It is so very alarming that I am going to be  XXXX  this  XXXX  therefore have to get by with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
XXXX   XXXX   XXXX  sent bills to collect invalid " co-pays '' after we left  XXXX   XXXX  and no longer used them as our primary medical care provider. After using  XXXX   XXXX  for over    XXXX   years, these " co-pays '' never once were demanded from  XXXX   XXXX , and in accordance with our insurance carrier, were not allowed to be billed, that all medical care costs were covered under negotiated costs, that we were not liable for these bogus " co-pays ''. Bills were turned over to : PlusFour , Inc.    XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Plu s Four, Inc.  sent  XXXX  collections notice for an {$11.00} co-pay and a {$88.00} co-pay and when we disputed it, no further action was taken except to cloud our credit reports with collection claims and to attempt to force us to settle in order to remove the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Student Assistance
State: OH

Complaint narrative:
XXXX  aka American Student Assistance. They have a wage garnishment &amp; have intercepted my tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXXXX -  XXXX  EST   XXXX   XXXX   - 16  calls   XXXX   XXXX  -  46  calls   XXXX   XXXX   XXXX   -  9 calls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Yesterday my credit report showed a hard inquiry for financing that I did not authorized. Contacting the financing company was impossible via phone call - so I left a message thru the " Contact us '' thru the website.   this is the company that reported a credit inquiry for financing that I did not authorize :  XXXX   XXXX   XXXX ,   XXXX   Finance Creditor Contact Details   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  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 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am a client of  SPS Financial a nd I am in the midst  of RMA process, I  have submitted all of   the information needed for the modificatio n ( P & Ls and On-Boarding S tatement from  XXXX ,   XXXX    County Office ). However, I requested to cancel a debit for {$2200.00} on my   account ; stating instead that I will send in my payments manually ( {$1100.00} is on account - {$1100.00} to be sent ASAP to complete the   XXXX    2017 p ayment ). However, I requested on    XXXX    .2017 to  cancel the {$2200.00} debit from SPS but to no avail ; they have debited by account twice (    XXXX .201   7   ) and t oday  (   XXXXX .2017  )  to the tune of {$60.00} in Overdraft Fees. Now, I have to go to my credit union and request another Fraud Alert and reversal on my bank account to reverse these fees.
I am in the midst of doubling my income by working for   XXXX -   XXXX   County 's Office    and as a  Notary Public but I need time to ramp-up my salary to make this happen. Right now, I am collecting CA UI and  need this due consideration from SPS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On or about     X/XX/2016    , I calle d PennyMac Loan Service, r egarding my statement, it showed I had a Credit Balance, ( This was for   XX/X/16  Pay ment ) After being on Hold fo r 15  minutes, she said NO on    XX/XX/XXXX    Payment and just mak e  XX/X/16  p ayment. I said are you sure, she said  YES.      So I mad e  XX/X/16  on time, NOW after 6 months I get a letter in the mail stating I am Delinquent. WHY?      I have had  XXXX  loans with  PennyMac, N EVER had any issues until now.     I am on  XXXX  and I can not afford to make  2 p ayments, I only get {$1200.00} from  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: WY

Complaint narrative:
In  XXXX   2017 I request ed my mortgage provider,  Suntrust Mortgage, begin drafting my savings account instead of  my checking account from  XXXX   XXXX   XXXX   XXXX   XXXX  for my monthly home payment . Suntrust indic ated they had made the changes and the  1st  draft from my savings would begin in  XXXX .  Suntrust then drafted my checking account as usual. I did not have the   funds for the mortgage payment in my checking -- I had it in my savings account where they should have drafted from. This caused me to incur  XXXX  non-sufficient fund charges for {$30.00} each. I contacted  Suntrust who assure d me they drafted my savings account and the problem w as with my bank. I contacted my bank who assured me Suntrust  drafted my checking account like usual -- not my   savings account as I had request and they assured me they would. My bank provided me a copy of the  XXXX  draft attempts and  XXXX  insufficient ACH fund charges on my checking account. I provided this informati on to Suntrust who reviewed the information and then concluded that they did indeed draft my savings account to the contrary of the proof from my bank that they drafted my checking. Through no fault of my own this big company insists they are right and has caused me a {$60.00} fee and it looks like I did n't pay my mortgage on time. Suntrust di d n't draft my savings or they would have gotten the mortgage payment funds. They are wrong and they wo n't admit it even with PROOF from my credit union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received, unsolicited an " upgrade '' to my credit card account issued by Elan   ( Visa card ).
Sticker on the front of the card said it can not be used without first being activated by   calling  XXXX . I called. This is not a card activation, but an automated promotional number offering a seemingly endless series of promotions. "  Press one  to accept, press pound to decline. '' After pressing pound, a different offer is given. After pressing pound again, another offer, and so on. Offers were for  XXXX ,  XXXX   XXXX  and other similar companies. I tolerated this for about four minutes and then dialed the " 24-hour cardmember service '' number of  XXXX . After navigating the menu I reached a rep who activated the card. I complained about my experience and she said she would " pass it along. '' After the call I tried participating in an automated survey that was offered, but each time I pressed " very dissatisfied, '' the response was " the data is incorrect '' or some similar statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX   XXXX   dob   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX    XXXX   and Experian and  XXXX  will not investigate the correct my credit report.     I have send them many letters to correct my   XXXX   account and they have failed to do so, so I am submitting docs the prove my account with  XXXX  is closed and has a zero 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
Consumer complaint received 2017-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I located a puppy on an internet site :   XXXX   XXXX   XXXX   and arranged to purchase the puppy named "  XXXX  ''. I was directed to use the Paypal service to pay for him, and did so. I then traveled from  XXXX , Alabama to  XXXX  to pick up the puppy. When I called and said I was at the designated location, I was told they would be there with the pup in  five  minutes. An hour later no one had shown up and repeated calls went unanswered. The will not answer calls from my number, but do answer calls from other numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I already have filed    one compl aint with Santander, that is case number  XXXX . This is additional information that I was told to add by the cfpb as another complaint. The issue we are arguing about is Santander 's interpretation of ou r credit score.  The report that we get from the credit agencies is very different than what "  XXXX , ''  Santander  's source, uses, resulting in a lower  credit score  ( and therefore higher rate for us  ) . Now, we have just received new updated credit scores which are still higher than   XXXX   but have lowered BECAUSE SANTANDER HARD PULLED OUR CREDIT  THREE TIMES in under a month period. They pull our credit three tim es, it lowers our score, and we get a higher rate? So  Santander  is effectively forcing us into a higher rate themselves. Which should be illegal. Additionally, one of the statements on their  ( Santander 's )  credit report, which again does not come from the big  XXXX , states that I,  XXXX , have my score adversely affected be ause " length of time accounts have been established. '' My most recent account was established i n  2008. T  hat 's  nine yea rs! How long do they want? Also a detriment : '' length of time since derogatory public record or collection is too short. '' What does that even mean? I had a collection go on. I paid it immediately. PS, the people trying to collect were actually sending things to the wrong address, as evidenced on my credit report.  XXXX   XXXX   XXXX   An  address at which I have never lived. So Santander, again, wants to make more money on consumer loans, and so does their own detrimental workings against consumers, which is completely unfair and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In the latter part o f XX/XX/XXXX , I w ent to  XXXX   XXXX  in  XXXX  NJ to purchase a  XXXX   XXXX   XXXX   XXXX . I went with very good credit and an excellent job. Yet despite these factors, I was granted a subprime loan b y Capital one at a rate of 12 %.  It had always puzzled me as to why I was directed to them and given a high-interest bracket loan when I had very good credit and a stable job. In addition, in   XX/XX/XXXX I had  paid off a previous auto loan for a used  XXXX   XXXX   XXXX  ( purchased in  XX/XX/XXXX  )  to  Capital One. I strongly feel as an   XXXX   XXXX   woman I was deliberately targeted and steered towards a subprime loan si mply because of my race. Capital  One  and the auto dealership colluded to give me a base car with a padded high-interest rate to their benefit. Capital  One  took advantage of a good credit worthy customer by issuing me hiked up loan. This loan caused my financial life to collapse. A domino effect began. I struggled to keep up the payments and was able to do so until my employment ended in  XX/XX/XXXX . In   XX/XX/XXXX  Capital One  modified the loan and lowered it a mere  1.25 % and stretched it out 3 additional years which is still p redatory in nature. Here it i s  XX/XX/XXXX  and I am  still paying for this car. I have asked them to close up or end the terms considering that I was scammed ; however, they refuse. I do n't have the credit worthiness at this point to do anything else with my finances. I am literally in bondage to this loan and it has hurt my family and my ability to maintain other areas of my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
I have a a unverified account from SOURCE RECEIVABLES MANAG #  XXXX . I had previously disputed this account. I have never done business with SOURCE RECEIVABLES  MANAG.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOURCE RECEIVABLES MANAG Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that   SOURCE RECEIVABLES MANAG Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX   XXXX   XXXX   2006 , is reporting that my account with them is open. It is closed and they need to report it closed. They sold it to  XXXX   XXXX   XXXX . I was always current with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
I sent {$3000.00} through  Western Union  money transfer online service to  XXXX  on  XXXX   XXXX   2017. Th e service was promised to receive my in recipient account within  one  business day. But even today on  XXXX   XXXX   2017, m y  XXXX  account did not credited with money I sent.  XXXX  equivalent amount is  XXXX    XXXX   I spoke to  Western Union  people 3 times so far they were unable to explain where my money went and they could not provide any email proof to me that how and where they sent money.     I happened to spoke to international bank about it but unfortunately they did not receive any money or without any transaction tracking details they were unable to help me  Western  union only gave me this : Tracking # ( MTCN ) :  XXXX   XXXX   XXXX  which shows transaction complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase  is deliberately manipulating transactions so they can collect insufficient fund fees. My apartment complex is always slow in depositing my rent check, So I watch very closely when it is removed from my account. As of last night  XXXX   XXXX  the check had n't cleared yet. I get paid by direct deposit. Today  XXXX   XXXX . This morning I hav e 2 i nsufficient fund fees. One transaction was there and had cleared no problem. If this check was " in my account during the business day '' as they claim I would not have been able to fund a bill off their bill pay site at  XXXX  that  XXXX . Nor would I have paid another bill because my account was low. Additionally earlier that day I stopped by the ATM checked balance and everything was fine. I would not have taken money out if they check was there. They have done this in the past and refunded the fees without a problem. Once they caught it on their own and reversed the fees. Second time I had to request it. Their claim is I have already been reached the maximum refund allowed. They always do this right when they know I get paid the next day. Tired of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
I am having a huge p roblem with Central Finance Control. I found anothe r account  this one b eing  XXXX  on my   XXXX   and  XXXX  report. The other account I previously filed about was different and on  XXXX   XXXX . I have sent them a cease and desist, called their office and requested FCRA  623  required to report any account to cra and prove verification of accuracy including complete paymet history and sisgned contract from original creditor. They have refused to provide it and denied me the requeste FDCPA letter of notification within 5 days of receiving. They also were abusive and rude on the phone and refused to provide the letter of assignement between the original creditor and their collection agency which too is my right to have to any account they claim belongs to me.   WHILE EATING DINNER WITH MY FAMILY last night at a restaurant I got a phone call from CFC after   XXXX   XXXX   and have phone record to PROVE IT, and the phone call  XXXX  from NEVADA and that is illegal as  CFC i s in CALIFORNIA So misrepresentation of their location and calling from somewhere they are NOT located. To beat it ALL the rep on the phone gave me my full social security number WITHOUT even verifying it was truly ME on the phone!! That is complete ignorance of collection tactics and LAWS for a collection agency!! When I questioned why in the world this rep would provide that kind of info over the phone I was ignored This is NOW A  HIPAA vi olation and warrants lawsuit for not only the original creditor but absolutely warrants lawsuit easily won against central finance control!!!!!   I have contacted the original creditor and notified them this agency is operating in totally disregard to credit reporting laws, violation of FDCPA and noncompliance to FCRA and FACTA.   This will be taken now to the Better Business Bureau and Attorn ey Generals Office of California. I will contact the California regulator for collection agencies and Bureau of collection offices and debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation