vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: WI

Complaint narrative:
I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: FL

Complaint narrative:
Unknown medical charge, I have disputed with no validation being received. 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 2018-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Everyday they call from random numbers, even though we told them to use their corp number and disclose their name. 
I tried to call them on their XXXX and XXXX number today repeatedly and it rings and hangs up. 
We can not set up a repayment plan if they will not be reasonable and work with us. 
It's very unprofessional on their part and the calls come starting at XXXX XXXX. and end around XXXX XXXX. SOmetimes three or 4 calls in a row from random local numbers spoofing their calls. We don't answer unknown callers. Period. NEver have so they need to disclose their business name and they need to answer so we can make reasonable efforts to repay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been paying on the Income based repayment program to qualify for the student loan forgiveness program for nearly 8 years now. On XX/XX/XXXX, I called to request an update on a Income driven repayment application I had placed to change my program to a lower payment. I called XX/XX/XXXX to inquire about the status of my application. I was told to call in after the XX/XX/XXXX to have it exedited had I not heard back by then, that everything seemed in order to have that application processed, nothing was out of the ordinary. 

Upon calling today ( XX/XX/XXXX ) I was told the student loans in question did not qualify for any other IDR plans other than IBR and nothing would be done about the application. I was also told that the loans I had, do count towards the Public Service Loan Forginess program, which I thought I had been paying for the last 7-8 years. I have called in to Navient many times over my years of repayment to reinstate my IBR. In those times I have questioend them about the PSLF program and if I was staying in the requirements of that program. Not once had I been told I had the icorrect loans. 
So I am left with the option of paying my IBR another 15 years when I was led to believe I had <3 years left to apply for the PSLF prorgram, or consolidate my loans to a direct loan and start from scratch to make my 120 loan payments, so they will be forgiven. 

I have had phone conversations with Navient about what steps not to take to make sure I qualify for the PSLF. Those specific conversations incluced being told NOT to consolidate my loans. NEVER once was I told that the type of subsidized loans I had did not qualify for PSLF. 

I am extrmemely frustated that I have just now been slapped with {$35000.00} in loans I had been led to believe was going to be forgiven in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called capital one on XX/XX/2018 at XXXX and tried to have account closed. 
They told me I could not close the account and that it was restricted. 
I can not make payments nor close the account. 
I requested an arbitration hearing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. 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 non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3.  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. 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 non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I received notice that there was a {$700.00} unauthorized charge from my XXXX  to some woman named XXXX XXXX ( though this might be fictitious ) with the user name XXXX. I tried to request the {$700.00} back, even though I knew that would be futile, but I got the message " We're sorry, the transaction could not be completed. Please contact the person you are trying to pay. '' The date of the payment was XX/XX/2018. I am not familiar with the person who was paid ( XXXX XXXX with the user name XXXX ). XXXX 's payment feed showed no other payments, so I am guessing that this a fictitious pseudonym used for the one fraudulent transaction.

Following the Unauthorized Charge Procedure in the user agreement, I contacted XXXX. I received a reply back that XXXX   's investigative team would contact me within 1-2 business days. Instead, I had to wait 8 days. On the 8th day I received an email from the investigative team asking for more information. Shortly thereafter, later that same dame, I received follow up email at XXXX XXXX EST informing me that XXXX  had " received the dispute. '' Within two minutes, at XXXX, I received an email informing me that my dispute had been denied. That was it, an entire two minutes to analyze my case. That is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Constant phone calls and no messages left. Research the number and its XXXX XXXX XXXX. I dont owe anything to this debt collection company and nothing is reported on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
My husband and I are trying to stay current with this credit card. Unfortunately other bills such as mortgage, daycare, student loans and medical bills have caused us to fall a little behind on this credit card. This Citi card is the highest interest rate I have and the highest monthly payment. Ive tried my hardest to stay current on it but have fallen a little behind. I look on my account to see {$710.00} due by XX/XX/XXXX, several late fees, interest went up again, theres just no relief with this card. I call to find out what I can do ( they offer assistance all over their website ). The guy I was transferred to was completely rude and condescending. We spent 20 minutes going back and forth of what I could do different to afford this. Or the same questions of what caused me to fall behind after already explaining its just too high. We got no where, my account will continue to fall behind if I dont get some sort of assistance with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is not reporting the correct balance, last payment dates nor that the account is included into my bankruptcy. I disputed with Equifax that the information is incorrect and I have proof of the payments and the dispute results were its not listed as repo. I know its not listed as repo because it is included in my Ch XXXX bankruptcy and has received payments every month since XX/XX/2014. The incorrect reporting is affecting my ability to obtain a mortgage and Im trying to get it fixed. Equifax did not contact the creditor with my dispute. I would like this information removed as it has been reporting the wrong information for over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting a debt in collections by the bureau since 2010. 
I did not owe this amount as it was billed for work I did not agree too. 
I have explained this to experian XXXX XXXX and XXXX and experian is the only reporting agency that wont remove this item from my file. 
It was never an authorized charge. 
It should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
On or about XX/XX/XXXX I signed up for XXXX XXXX home internet service. This offer was for a 30 day free trial of the XXXX internet service. It reportedly included free installation and ability to cancel within 30 days without obligation. The service started on XX/XX/XXXX, but I could not use it until the XXXX or XXXX due to faulty wiring. An installer came and fixed a problem with the wiring and I used the service for 2-3 days. On the XXXX of XXXX I called XXXX and canceled the service because the internet was too slow ( took 2-3 minutes to load my email browser, unable to stream data ). The representative canceled my service and sent out a return kit for me to return the XXXX modem that they had provided for the service. I received the return kit on the XXXX of XXXX and sent it back to XXXX on or about the XXXX of XXXX. ( They give you 30 days to return it ) In the middle of XXXX, I received a bill from XXXX for XXXX XXXX This bill included charges for the prorated service from XX/XX/XXXX to XX/XX/XXXX as well as XXXX $ for Modem/Router combo. I Called XXXX and told them that I had returned the router and it needed to be removed from the bill. The representative told me that " Don't worry, that's not your final bill, once the modem is received in the 'system ' they will issue a new bill with an adjustment. '' In XXXX I received the same bill from XXXX, I called and spoke to multiple people from their company trying to resolve this issue, they kept telling me that " it's a valid charge. '' I told them that I would not pay for a router I had returned to them. In XXXX I called again ( unknown day ) and spoke to more people, again I was told the same thing. I even asked to speak to a manager and got nowhere. I even had to ask several times for " someone who speaks my language '' because most of the reps had thick XXXX accents and I could not understand them at all. I decided to not pay them at all, and on XX/XX/XXXX I received an email from XXXX XXXX ( a debt collector ) on behalf of XXXX trying to collect the debt. I called and told them that the debt is not valid and they told me to send them a written rebuttal. I will not do this because they will simply tell XXXX my side and XXXX will say " It's a valid debt '' I'm frustrated and tired of dealing with this company that I had services from for just 6 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have called Navient 6 times over the last two days. I keep getting transferred from person to person with no answer no help and no resolution. I want to consolidate my 4 loans into 1 loan. And I want to get an affordable payment. My private loans through Navient total over XXXX and this is going to force me into default which I can not allow to happen. I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: CL Holdings LLC
State: IN

Complaint narrative:
There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX  and I'm waiting on results. When I looked at my XXXX report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: FL

Complaint narrative:
1. We are a licensed Money Transmitter in the state of FL. 

2. We deposited checks at our BB & T account in XX/XX/ in the amount of XXXX XXXX. Each of these checks has : a. fingerprint of the original owner of the check ( person we negotiate the check from ) b. FL unexpired driver license number of the original owner. 

4. The bank sent us certified letter dated XX/XX/ ; postmarked XX/XX/, that we received on XX/XX/. 

5. The letter states that our account will be closed in 10 days. 

6. As we tried to removed the funds from the account, we realized that the bank placed a hold on the account, scheduled to be released on XX/XX/. 

7. When we contacted the bank on or about XX/XX/, the account was already closed and the bank has since refuse to give us our work-like-a-slave-made money. 

8. At the time of closure, the balance in the account was {$13000.00}. 

8. Since everyone knows that this nation has a history of stealing what is NOT theirs : as they have done to the indigenous people after SLAUGHTERING them and to the poor XXXX people from XXXX and subsequently sent their descendants to jail, they are trying to steal our work-like-a-slave-made money. 

9. The only way they will be successful in doing so, would be to kill us, just like they have killed the XXXX to steal their land and technologies. 

10. Since the bank has attempted to steal our work-like-a-slave-made money, we have NO intention to go any where near any of this bank branches. 

11. We just need our work-like-a-slave-made MONEY, period. Otherwise, come and kill us so that you can steal it. 

12. These people have grown up with crimes in their blood. It is NOT easy for them to stop being criminals. They are the TRUE terrorists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have received a past due notice for XXXX dated XX/XX/XXXX. The postmark for this notice was XX/XX/XXXX. The payment was sent via cashiers check on XX/XX/XXXX. 
I have submitted several requests to this office to correct assessed fees to my mortgage account, I am told I must meet in person to discuss my issues. Under RESPA that is not a requirement. Fees were assessed to my annual mortgage account, however I have paid my mortgage on time for the last 26 months. I received an annual audit XX/XX/XXXX that assessed over XXXX to my account in which needed to be paid in ten days or my mortgage would go up. 
On XX/XX/XXXX this Office sent me to foreclosure over a held payment because I did not walk my payment in, rather sent it from my bank. I requested notice of cured debt twice only for this office and their attorney to ignore it. On XX/XX/XXXX I reported this office the Texas Attorney General after they repeatedly reported my mortgage in default 90 days until XX/XX/XXXX when it was abruptly removed after my complaint. 
I am requesting corrections to my mortgage account as well as an itemized statement showing payments to escrow, HOA fees and principal payments, not a summary.

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