vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: TN

Complaint narrative:
In XX/XX/2018, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Illinois XXXX ), a healthcare provider, sent a letter requesting a payment for {$3700.00} for prescription services rendered to me from XX/XX/2016 - XX/XX/2017. It appeared this one-time healthcare provider was paying my medical prescription without my knowledge or approval. Since I left the company in XX/XX/2015, my new health insurer, XXXX/XXXX ( XXXX XXXX XXXX, XXXX, Arizona XXXX ), should have taken over with my healthcare needs.

In an attempt to resolve this matter with a XXXX XXXX financial representative, I asked a very important question as to why their company accepted the billings from a pharmacy knowing full well I was no longer a client. I was not able to get an answer. I explained to the representative I would do everything in my power to contact my current healthcare provider and find resolution in paying this debt.

I filed a medical reimbursement claim with XXXX/XXXX, including a background history of the occurrences and any monies being paid should go directly to XXXX XXXX, and not to me since I refuse to pay for services in which XXXX/XXXX should be providing.

After a lengthy battle with XXXX/XXXX, the healthcare provider finally made good on XX/XX/2018 and paid XXXX XXXX {$2900.00}. There is still a dispute of {$810.00} being owed and I am in the process of resolving this.

However, as I worked tirelessly in resolving this matter, it was brought to my attention XXXX XXXX transferred the disputed amount over to a collection agency ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ). In turn, XXXX XXXX XXXX XXXX filed the attempted collection with the credit agencies, XXXX and XXXX. This reporting has severely damaged my credit scores. On top of this, XXXX XXXX XXXX XXXX initiated 10 separate claims, each claim with a different amount, to make it difficult for me to file a dispute with the credit agencies.

Although this was deterrent for me to file a dispute, I did so anyway. I just received the results from XXXX today ( XX/XX/2018 ). After forwarding my disputes to XXXX XXXX XXXX XXXX, the findings of each claim made by them still stands even though a payment has made to their client, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Russell Collection Agency, Inc
State: MI

Complaint narrative:
I notice an incorrect collection account on my credit report from Russell Collection Services in the amount of XXXX. I dispute this information with the company in XX/XX/2018 which I didn't receive a response. On XX/XX/2018 dispute the info with Credit Bureaus which I received a response account verified. Ask for the steps how was it verified in still no response. Call Russell collection and still have received proof of account. I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I'd like to file a complaint about the opening bonus of my Citi thank you premier card. Per condition and term ( *please see attached about condition and term ), I will receive XXXX TYP after spending XXXX   within the first 90 days after the account is opened. After I spent $ XXXX, I chated with Citi and got the confirmation that I'll be receiving my XXXX TYP within next 1-2 billing cycles ( *please see the screenshot named after p1 ). Till last week, I still haven't received the opening bonus, so I chated again with Citi and I was told that I no longer will be able to receive points since I didn't meet the spending requirement. For whatever reason, they said they appreciated my business and gave me XXXX   points as goodwill.

I'm SO SO SO confused about why I was told to get XXXX thank-you points a month ago but now I'm told I won't ( * please see the screenshot named after p2 ). This is SO SO SO frustrating and I'd like to request CFPB to help me out.

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 2018-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Transunion on XX/XX/18 and made them aware of inquiries on my credit report that I did not authorize and are a result of fraud. The inquiries and dates are as follows : XXXX XXXX XX/XX/18 and XXXX XX/XX/17. I have an active fraud alert on my consumer report with Transunion and I extended it for another 90 days in attempt to prevent any further fraudulent activity. TransUnion also has a copy of a police report on file from the related incident.

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 2018-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Three weeks ago I requested SunTrust Bank to close my checking account .they said it could not be closed then they proceeded to charge me {$3.00} and now claim they can't close it because I owe them {$3.00} they also threatened to charge more fees after XX/XX/XXXX .I have sent doesn't of emails and several phone calls they refused to cooperate

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 2018-12-16 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: FL

Complaint narrative:
I have been the victim of identity theft the following accounts were not opened by me : 1 ) XXXX Acct # 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 2018-12-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax on XX/XX/XXXX and made them aware of an inquiry on my credit report that I did not authorize and is a result of fraud. The inquiry and date is XXXX XXXX on XX/XX/XXXX. I have an active fraud alert on my consumer report with XXXX  and I extended it for another 90 days in attempt to prevent any further fraudulent activity. Equifax also has a copy of a police report on file from the related incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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:
I have been the victim of identity theft the following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX  Acct # 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 2018-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/18, we suffered significant flood damage as a result of a defective toilet. After handling the claim with our insurance company, we endorsed a claim check over to Pennymac on XX/XX/18. They required that a significant number of documents be completed before any funds would be distributed to our contractor ( XXXX ) for repairs/restoration. Although we understand the need to assure that contractor is reputable and work is completed in a satisfactory manner, PennyMac sat on the funds, claiming that we had not provided the contractor 's bonding information and their contractors license. They were told multiple times that the Certificate of Insurance was sufficient, and bonding was only required for commercial contracts. We also told them multiple times that Texas does not issue contractors licenses for residential work ... only for work involving government entities. Finally, on XX/XX/18, a check was issued to us. We were having to live out of boxes, confined to one room in the house, with no furniture. We requested final inspection for completion of all repairs on XX/XX/18. After multiple follow-ups, an inspection was finally completed and the final inspection was approved on XX/XX/18. Their website indicates that funds are sent within 6 business days of final approval. I called on XX/XX/18 to request status of the final funds payment, and was told that the 6 day period does not include a process for reviewing the final check and cutting the check. They indicated that the check had been requested and would be mailed to us within 3 business days. Today, XX/XX/18, we still do not have the final check so that we can pay the remaining funds to the contractor. I have also had repeat problems in the past with inaccurate escrow computations ( and overpayments to taxing authorities ). PennyMac is terrible. Also, I believe that they engage in the behavior they have engaged in with the claims payment process so that they can " float '' on the funds for as long as possible before issuing payments. Please investigate these folks. There are numerous complaints regarding PennyMac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
IN REGARDS TO : MERCHANTS CREDIT GUIDE CO. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, ILLINOIS XXXX THIS IS MY SECOND TIME ASKING FOR VALIDATION OF DEBT AND HAVE YET TO RECEIVE ANYTHING!!!! I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. 

I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately. 
Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB. 
I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor. 
2. Proof that you have the right to collect this debt in my state. 
3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned? 
11.Copies of all letters sent to me from you the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined? 
ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE.

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 2018-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I borrowed {$10000.00} in XXXX from what was known as Sallie Mae, which is now Navient. My payback amount is {$23000.00}. I cant get and understanding how a {$10000.00} loan can turn into {$23000.00}. I completed school in XXXX. Ive been paying on the loan for a currently 4-5 years now. However, every month my credit reports tells me that my fee has increased by {$230.00} at the least. This is an on going issue that I really cant get any answers about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I asked XXXX  to remove.this old 12yr .account They say they did .but the red late marks still exist. 
The problem.is that the student loan put me.in forbarence and mamy times. Once.a.whole.year So at that time I was told I didnt have to pay But the loan company continued to hold me to the payments and add all these unnecessary fees When I first got the loan I was a child XXXX years old poor, living in the projects with my mom The school persuaded me to get this loan. When I didnt even know what a loan was. It was for {$7000.00}. Now over 30yrs later its about {$14000.00}. I want all thoes fees dropped and all the money I ever paid to be applied to my original {$7000.00}. The Loan company which is no longer in existance still has derogatory late fee marks on my credit. If the governor dont go back to the original amount from 1977, I am going to stop paying all together and then they will get none of the money back I dont care if it goes to XXXX. I OWN NOTHING for them to take anyway. I am getting ready to retire and enough is enough. I have rights too And by.law the loan company dont have a right to put stuff on my credit report without my permission. As of now I am suppose to be in forbarenced but if I stop paying they report it on my credit report as late or not paid as they have done in the past. Yhe old companies lied and swindled me and other students. Much of what was paid by me and other students was never even applied or recorded and still marked as late which is why they went out of business I want 1The residue of any red or negative remarks remove from my credit from past years and 2. My.loan returned to the original amount and all that Ive paid applied to that amount.

3. Any of my rights the Loan company has not abided by to be honored.

Ive been working in the XXXX  XXXX  for over 10 yrs. XXXX XXXX  and XXXX XXXX. I applied for Forgiveness and no response returned. Please help thanks. If you need more info please email me at XXXX or XXXX and in the subject put. For Ms XXXX consumer help. Thanks for listening. 

Please publish without my email address .thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfoilo Recovery XXXX XXXX Still reporting under XXXX XXXX XXXX But states Sold to you I have disputed this for over 9 months I have No contract with you and you are in violation of the FCRA, I never receive any type of letter from you stating this was ok to put on my report this is a fraud case in 2014. I have all documentation XXXX, CFPB, FTC, OCC, ATTY GEN CA all documents. XXXX XXXX XXXX as no proof at all that this was made or used by myself they make hearsay comments with no evidence I have requested over and over I have there copy of what they called a contract with nothing on it there is not One actual signature on any documents they have sent also all the above agenies have these documents showing this remove this account from XXXX  now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a promotional offer with no interest or transfer fees, etc for a year upon opening of my account. However, I have been charged XXXX in fees and {$440.00} in interest YTD and despite efforts to have them credited, have not been successful. 

I was told I should have called in advance to get a better explanation of the cash advance terms as they prefer that we call before using. As a new card member, I find this to be deceptive advertising and request that the interest and fees be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Over the last months, I have always paid significantly above my minimum payment - what they call their interest saver so as not to be charged interest. However, in each month, I have been accessed interest over and above what my remaining balance was. 

As a result, {$200.00} and {$100.00} were charged in XXXX and XXXX respectively. This is counter to their communication to me of what needed to be paid to not have interest charges. I have tried to resolve by phone but the agent was of no help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Nutshell : Bank of America doubled the fraud by allowing a XXXX company to claim it never received the returned, fraudulent laptop from me IN PERSON so my XXXX bank gave them money back, too, despite my protests and proof of the return. 

This was for a laptop purchased as new while living abroad in XXXX ; the company XXXX sold it as new, but it was actually refurbished, malware-laden, and did not have its XXXX XXXX license activated, which costs over {$800.00} through XXXX to put this fraud into perspective. 

The conman saleswoman even had the nerve to begin stalking me, calling me 6 times in a row one day begging me to explain to the bank not to reverse the entire purchase that would have included a 1 Tb hard disk drive. I assured her I only asked for the portion of the laptop to be returned in the initial claim, as I did not believe her XXXX   that I would receive a refund from her company in literally a month. I did not receive a refund for the junk, but my bank ultimately believed their new story that I never gave them the laptop and would not pay my claim, taking {$540.00} credited earlier OUT OF MY FEDERAL SOCIAL SECURITY DISABILITY PAYMENT I RELY ON TO SURVIVE IN XXXX. 

A supervisor lied to me that I would be sent a message allowing me to appeal the decision and submit additional proof through the bank 's interface. 

This never happened, so I have attached here the exact email sent by that conwoman confirming the return and partial refund on the day I gave her the laptop back in person, including its attachments of her business card, a copy of the original receipt with her checkmark, and an XXXX spreadsheet of upcoming bank credits that is the only proof of return and refund she would provide. 

Bank of America Claim information : Current status : Resolved - claim not paid Help for Resolved - claim not paid Claim ID : XXXX Claim amount : {$540.00} Initiation date : XX/XX/2018 This bank will become nothing more than my XXXX pass-through going forward for what it's done with this and a very clear dental claim of fraud of over {$2000.00} I had to take care of myself ( with the new practice owner months later ) because this bank dropped the ball on it, too. 

Bank of America are XXXX XXXX who believe themselves entitled to regularly lie during calls with clients. As a result, they have cost me over {$2500.00} in fraud supposedly covered in addition to making me cover the cost of all overseas calls with waits of over 30 minutes.

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 2018-12-16 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: AES/PHEAA
State: PA

Complaint narrative:
I needed to re-certify with XX/XX/XXXX XX/XX/XXXX once a year. I did the work this year and the number that was given to me for a new payment was over 150 dollars more than what I was paying. I called and asked why this happened and they said that I only claimed 2 in my household instead of 4 people. So, while waiting for the paperwork to be fixed my bill was due. I paid what would usually have been due. I contacted someone else once the paperwork went through and told them that they kept saying that I had not paid my bill but I had. The amount I hadn't paid was what I was charged because of the goof up in my paperwork. The person I talked to said that it would be taken care of. 2 months later I am still getting messages about how I need to pay this off. I have contacted the company several times but they have not gotten back to me. It was through email because rarely do I call places because my kids always decide they want to start fighting or asking me questions when I am on the phone. If they have an email section they should be returning emails. I feel the lack of responding to the situation is very unprofessional.

Company response to consumer: Closed with explanation