vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I was notified by all 3 credit bureaus that I owed a debt. I am not aware of any bills outstanding. I am considered as an indigent patient and is covered by Florida State Medicaid. Please remove all outstanding debt and refer to Florida State Medicaid laws or filing rules. I also did not give any permission for my information to be released to any third parties which is direct violation of the HIPPA law. 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. 




XX/XX/XXXX {$560.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1000.00}

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 2018-04-02 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: VA

Complaint narrative:
They said that I have a penalty APR but I am not sure why they did this. I called to lower my APR but they said that I could not lower my APR. I called multiple times but they said that it could not lower from 32 % APR interest rate starting in XX/XX/XXXX. I would love to pay this card off but the interest rate is extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: OH

Complaint narrative:
Loans cover three schools : XXXX XXXX, XXXX location ( school located XXXX, Missouri XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH ( told all loans where consolidated when attending here ) I want to file a CFPB complaint against Great Lakes for my student loans for abusive practices and non-clear communication to the borrower. They have taken over all my student loans and have never been able to clearly communicate what I owe them for the past 5 years. Every phone call, letter, or text message I receive shows a different amount. I received communications that my student loan is paid off then within 2-3 months I am being told there is another student loan that I owe money on and they are sending me to collections. 
1 ) XX/XX/XXXX I arranged for them to withdrawn an agreed amount on the XX/XX/XXXXof each month. They caused overdrafts to my account by withdrawing the agreed upon amount on various days of the month and not on the agreed upon date.

2 ) In XX/XX/XXXX they chose to stop trying withdrawing the amount and applied and had a court appointed withdraw from paycheck.

3 ) In XX/XX/XXXX while they were taken out court appointed amounts every two weeks, Great Lakes filed a failure to pay for the month of XX/XX/XXXX when they received over {$500.00} that month dropping my credit score over 100 points.

4 ) After they received all their funds requested then sent paperwork stating the loan was paid. Then in XX/XX/XXXX filed another court withdraw for an additional student load that they didnt ask for before.

5 ) After receiving all of the second court appointed funds, they applied to the IRS in XX/XX/XXXXand took all of my XX/XX/XXXX refund for unpaid student loans.

6 ) At the end of XX/XX/XXXX I was sent a letter being told I owed them {$18.00} on my student loan. Then in XX/XX/XXXX that I was turned over to collections for unpaid {$98.00}.

7 ) I am now being texted that if I want to clear my loan for forgiveness to call a number and no  identification who it is contacting me. I dont know if its a scam, if its Great Lakes, if its another agency, if its the collections agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank blocked my credit card have had since XX/XX/XXXX until I answered questions. I spoke to a representative on XX/XX/XXXX, named XXXX via XXXX. The questioned I had to answer before my credit card would be unblocked were extremely alarming. 

Question 1 : What was my full name?

Question 2 : What is my occupation?

Question 3 : Am I employed by the Government or do I hold a political, diplomatic or governmental office?

Question 4 : Do I have a relationship with or someone who is associated with someone in a political ( e.g., held political office ) or diplomatic office or government position?

These question were bizarre to me. When asked the reason for these questions XXXX said Citibank was at the forefront of implementing new banking requirements. These questions were to protect me and Citibank. I pointed out no other credit card company I have credit with has asked me these questions and certainly not as a condition of being able to use their credit card. XXXX repeated Citibank was at the forefront of implementing new banking requirements. 

What bearing do these questions have on my credit worthiness? If my answers to questions 3 and 4 were yes, would that be a negative and thus affect my ability to use a credit card issued by Citibank or would that be a positive and mean Citibank would offer me a gift or something special?

Why are these questions being asked in order to have credit with Citibank and how are they  going to use this information. Further, how do they know the answers provided were even correct?

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 2018-04-02 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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2018-04-02 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: WY

Complaint narrative:
At the beginning of XX/XX/XXXX, I applied for an Income Based Repayment Plan. At first, I had to resubmit some income information, which was fine. I supplied everything that was required and received a letter stating that they would process the application. However, on XX/XX/12 and XX/XX/13of 2018, I received correspondence through my electronic inbox that I would requested to have my plan changed to a Standard Repayment Plan, which I never requested. In fact, I had requested the IBR and they sent this in their own words : We received your request to remove your loans from an Income-Based Repayment ( IBR ) plan and to repay under another plan. Then the following day, I received the payment plan terms which said I have to begin making payments of {$1200.00} per month on a monthly income of {$1900.00}. This is why I applied for a plan that was based on my income. Now they are saying that before I can even reapply for a lower payment I must make this payment in full for a month. This will cripple me and may end in the loss of my home or car if I have to make this type of payment. Again, this is why I applied for the IBR, which the servicer now claims was an application for a standard repayment plan. If I was already on the standard plan how or why would I request the standard repayment plan. It does not make any sense and I can not pay the standard plan. That is why I applied for the IBR and sent in all documentation stating my income / eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX   XXXX, XXXX, FL 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 2018-04-02 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: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  FL XXXX TODAYS DATE :XX/XX/XXXXATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: AR

Complaint narrative:
On XX/XX/18, I was getting preapproved for a home loan. The loan officer called me back and told me I was denied for low credit score and that there was a debt collector that had sent me to collections in the amount of over {$6000.00}! I told her I had no knowledge of it and I will try and straighten it out. I filed a dispute with the credit bureau and told them that I didn't have any knowledge of the account. They're investigation turned out in favor of the company Lockhart Morris and Montgomery, with them telling the credit bureau the account belonged to me. I then wrote the company on XX/XX/18 disputing the account and asked them to verify it and send me any paperwork that I had signed with them, Lockhart Morris and montgomery and they sent paperwork to me from XXXX XXXX. They still didn't tell me who they were. So I rewrote them again disputing the account and asked them to send me paperwork from them showing I signed anything with them. This time I decided to call and spoke with XXXX XXXX on XX/XX/18, and I asked him when did they send me a letter or had their first communication with me since I am the cosigner on this loan. It took him several minutes and when he returned back to the phone he told me that from what he could tell, they never sent me a letter not have they communicated this debt to me. So I sent them another letter dated XX/XX/18 where I told me they had violated the FDCPA guidelines and they sent me another letter that I received on XX/XX/18 and they responded back saying they were not going to investigate it and that the letter was similar in nature to the other letter. This is a false claim because the other letter was dealing with me disputing the letter and calling it fraud because I had no knowledge of it and the latter dealt with the FDCPA violation ; two separate letter two different reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: NY

Complaint narrative:
TransUnion has not corrected the records as per my request in # 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 2018-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation