vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc.
State: FL

Complaint narrative:
XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, Total card inc., on behalf of XXXX XXXX XXXX  has placed it back on my credit and requesting funds. I disputed it online with XXXX  and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX  via online dispute, I received a notice in the mail from Total Card , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to Total Card Inc., but I have read online through the XXXX  that people said their letters were returned to sender from Total Card Inc. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I haven't lived at this address nor used this service in years this is a ongoing issue with other utilities companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX was transported via ambulance to XXXX XXXX XXXX Hospital in XXXX XXXX, XXXX  following chest pains with difficulty breathing. Was discharged after receiving medical care. Approximately 1 month later ( statement date XX/XX/XXXX ) I received a bill with total charges of {$2600.00} for services provided, but didn't actually see the bill until 2 weeks or so later due to work issues. After insurance payments and adjustments my financial responsibility for the bill was {$260.00}. 

On XX/XX/XXXX I began making {$25.00} per week payments, electronically, directly through the hospital 's payment portal ( XXXX XXXX XXXX ). These payments have continued thru XX/XX/XXXX ( every Thursday, which is my pay date ) so that I have now paid a total of {$250.00} toward that {$260.00} bill. 

On XX/XX/XXXX ( statement date ) the hospital sent the remaining debt, at the time {$61.00}, to a collection agency ( XXXX XXXX, XXXX XXXX , XXXX ). On XX/XX/XXXX I received that notice, again late due to work issues. I actually have made 2 more payments in the meantime so the total debt owed to the hospital is only {$11.00} and that last payment was going to be made on XX/XX/XXXX 

Needless to say I find the hospital 's action completely and unnecessarily hostile. Payments were being made weekly toward the bill so at no time could they say I was attempting to evade them or deny them monies owed. My questions are : Is this legal? Do I have any recourse? To whom do I make the remaining payment of {$11.00}? Has this affected my credit? If so, how do I dispute the action and clear up any negative remarks on my credit history?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I wrote to XXXX XXXX ( XXXX XXXX XXXX ) , XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, DE XXXX per the the Fair Credit Billing Act on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX is charging me fees and interest on defective XXXX XXXX gift cards I returned via XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX at XXXX and it was signed for by XXXX. 

I received a letter from XXXX XXXX dated XX/XX/XXXX in which they stated they will not process my dispute per the Fair Credit Billing Act. XXXX XXXX said in the XX/XX/XXXX letter they can't process defective XXXX XXXX catalog orders. However, the Fair Credit Billing Act clearly states XXXX XXXX should process this dispute without fees and interest. 

When contacting XXXX XXXX they state any problems with the XXXX XXXX Credit card statement must be directed to XXXX XXXX, which I did on five separate occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Platinum Holdings Group, LLC
State: MD

Complaint narrative:
I received a call from XXXX XXXX, XXXX XXXX XXXX Platium Holdings on XX/XX/XXXX at XXXXXXXX XXXX she stated that she had a file on her desknthat i owed a pay day loan from XXXX XXXX XXXX   thatbwas taken out on XX/XX/XXXX, that the amount owwd was well over {$2000.00}, acter speaking to her she stated that it could be settled with {$800.00}, i advised her that this has been paid off, i asked her to email me a copy of this debt. As of XX/XX/XXXX i have received nothing, and she called my mothers phone number and left a voice mail messgae with personal information about me and this account, that anyone could hear and this is against fdcpa regulations, so i now informed her that i will forward this matter to my Attorney and to ceae and decist contacting me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
On XX/XX/2017, I was contacted by Navient, and I wrote them a letter stating I needed a deferral due to a problem trying to resolve this and other debt. 
I also included in this letter that per the FDCPA that the phone number they were calling is a DO NOT CALL NUMBER. However, I have been getting phone calls at least twice a day. 


I want the calls to stop. I will communicate with them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA DBA XXXX XXXX XXXX {$1100.00} {$1400.00}

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 2018-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX I owed a payment {$280.00} and made the payment late! XX/XX/XXXX made {$400.00} payment. XX/XX/XXXX. I made {$250.00} payment. I received XXXX statement shows my {$250.00} payment but not my {$400.00} payment. I called this Saturday which was I believe XX/XX/XXXX spoke with XXXX customer service gave me the run around spit my {$400.00} payment. I then asked what was my balance when I made the {$400.00} payment. She responded by telling me my payment was late. I repeatedly asked why my XX/XX/XXXX billing does not show {$400.00} payment on this statement. Assistant is needed to obtain a response to my concerns. I requested she email me the breakdown. Never sent my request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
Honda Financial Services has made several errors on my credit report. I have tried several times to fix these errors with them and through the three major credit bureaus. I have not had any success. I am hoping to get the information fixed. 

The accounts that have errors are : Account # : XXXX - Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX Account # : XXXX - Listed as charge off in XX/XX/XXXX and XX/XX/XXXX. We didn't even own the car anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: NH

Complaint narrative:
Having trouble with conduent who is the loan servicing agency for XXXX. We took educational loan from XXXX for our daughters college education and then repaid it on XX/XX/XXXX by  refinancing it with XXXXXXXX XXXX for better rate. We called them after to make sure the loan has been paid off in full and they told us that we overpaid around {$5200.00}. They assured us that it will take 60 days to refund the amount. We waited for 60 days and more and called them again on XX/XX/XXXX and they told us that account was frozen so now they will send the request to refund. Called them again on XX/XX/XXXX, we were told that still waiting for the approval from XXXX since the amount is over {$5000.00}. Called again on XX/XX/XXXX and was told that the 2 Cheques for {$3900.00} and {$1300.00} totaling to {$5200.00} were sent on XX/XX/XXXX as a refund and I should be receivng them shortly. Waited whole week and called again on XX/XX/XXXX. To my surprise, I was told the same story again that they are waiting for approval from XXXX for refund and no Cheques were sent. Asked them to transfer my call to a supervisor and was told that they are all busy on other calls and took my number so they can call me back and they never called back. I hope XXXX understands that they owe me interest on my money they are holding for no reason as it is not a small amount and that amount is supposed to be used for my daughters educational loan repayment. Since they charge us interest on the money they lend us then they should be paying interest on the money they are holding back. Please help us in getting our money back from them with interest and compensation for time and energy spent in calling them and talking to the customer service professionals who will give us different answers each time. They are incapable of giving any right answers. We are very disappointed with this company and probably will never work with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is showing as a charge off when it has been included in the chapter XXXX bankruptcy repayment plan. XXXX XXXX XXXX XXXX was removed when all I disputed was the 30 days late because it was never late dropping my score. XXXX XXXX XXXX   should have fallen off I was not late and anything to do with student loans is being reported incorrectly because they were consolidated and deffered. XXXX XXXX XXXX was paid but is still showing as a collection. Per federal bankruptcy regulations no account can show past payment history only that its included in the repayment plan and that its being paid. On all three credit bureaus most of the accounts on my report are incorrect they are either showing as late when they are not they are showing as a charge off when they are not they are showing as a collection when they have been paid. I have attempted to dispute this information with the reporting agency and the incorrectly remove accounts or say that it is correct information or they do nothing at all. I have them tried to contact the credit bureaus and get nowhere. The credit bureaus have messed up my credit so bad that I went from a score of 600s to mid 500s. While yes I have bankruptcies on my credit the chapter XXXX is a repayment plan in which all accounts are included and being paid but are being reported incorrectly as well as information on my credit remains from 2007 which should have been removed. I am trying to get my credit report fixed so that I may buy a house and every single time I try to get the information reported correctly the credit bureaus XXXX it up even worse and anybody you speak to is either rude or they don't speak hardly any English due to outsourcing. I really need some 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 2018-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian gave my information out without law required proof they have gave out credit report to companies without my permission like XXXX XXXX XXXX XXXX XXXX XXXX. Experian has stuff on hard inquiries they companies on me report have never herd of me when the company checks they get back to me and tell me they dont see me ever having an account with them or even applied companies above is dome of the 50 companies on my hard inquiry that I have checked and the company 's never heard of me, when I filed a complaint Experian blocked me from calling writing and online account. I have applied for credit and they gave out false information to them. Then when denied credit they refuse to give me a free credit report, and When I get a report from a third party the refused to let me do a dispute. Then they even went as far as to call the XXXX, Tx police department telling me not to write call or even do anything on line with them so them refusing to do so they by federal law can not report my credit they have to remove anything I disputed then they even had a representative even threaten me. And one of the files is what they sent me on a resolution and a report nothing there

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 2018-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have tried on three occasions to open an account with Suntrust Bank. On each occasion, I am given a different answer. The most recent attempt to open the account last month, I was told to contact XXXX. I contacted XXXX   and they were unable to provide me with a reason as to why Suntrust wouldn't open the account. I had an account with Suntrust years ago for less than a month the account was closed with no answers as to why. When I attempted to open the account they had an incorrect date of birth and address for me. I'm concerned that my identity is being mixed up with someone else.

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 2018-06-18 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:
Experian continues to report a fraudulent account as a collection on my credit report. My credit report shows a collection from XXXX that shows a balance owed which is incorrect. I disputed this directly with Experian and it took them only 7 days to report back to me that the account details were accurate. This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: AZ

Complaint narrative:
Experain has refused to answer my disputed items. See attached paperwork.

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 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
new rules permit clients in bankruptcy to receive statements since XX/XX/2018 despite several requests both via telephone and in writing i still have not received statements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In XX/XX/2017, I opened a checking & savings account with Navy Federal Credit Union. They accepted over {$3500.00} in deposits. To date, -- I have had no access to these accounts. NFCU has repeatedly requested ID documents. I have uploaded, emailed. faxed, and physically mailed -- copies of my Photo ID, Social Security card, utility bills with address, and Passport 8 ( eight ) times. Most recently, ( XX/XX/XXXX ) I visited the XXXX, XXXX  branch while on vacation. I presented my XXXX photo driver 's license and requested my accounts be closed, and my money returned to me. I had called Customer Service 2 hours previoulsy and was told by XXXX that is what was required. After a speaking with XXXX and then the manager -- I was told I would have to physically present my social security card. The manager : XXXX, left me sitting while she dealt with another customer. After being in the bank for 55 minutes, I left. I am out of ideas as to how to get my funds returned to me. I have been in touch with Security, Membership -- anyone I can think of. Can you help? 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 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Profit Services Group
State: GA

Complaint narrative:
My employer received a call on XX/XX/XXXX from Profit Services Group. XXXX XXXX XXXX was the lady that spoke with my co-worker and my manager. After I had left for today she asked to speak with my manager and my co-worker told her he had left for today. He gave her my manager name and she call the company operator to get his telephone number. My manager text me at XXXX XXXX XXXX XXXX asking about a XXXX XXXX who insist on speaking to me. She had my co-worker and my manager in a big uproar about trying to reach me. The very next day she called again and I answer the phone. I let her know not to contact me at work no more. She claim she tried to reach me at home and I told her I never received a call from you. XXXX XXXX said " we don't leave messages ''. So she decided to call my employer. She said she knew it was my number because that was my voice on the voice message. That was a RACIAL statement!!! I never spoke to XXXX XXXX for her to made that kind o statement. I asked may I speak to your manager and she replied I am the manager!. I asked may I speak to your supervisor, and she refused to let me speak to him/her. XXXX XXXX should be terminated with this kind of behavior immediately!. My insurance provider and I tried to do a 3 way call to clear this matter up. Profit Services Group is trying to collect $ XXXX.My Provider is disputing this amount in which they said I owe only {$33.00}. We contact the XXXX  XXXX XXXX to help clear this matter up.

Company response to consumer: Closed with non-monetary relief