vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 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: NY

Complaint narrative:
I have been disputing this Santander Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my experian because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract.

They never stated who the original creditor was the Contract shows multiple names but never mentions santander it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly.

The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the 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 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
This debt that ( I don '' t recognize ) has been reporting on my credit report. on XX/XX/2019 I drew up a request for validation form along with a returned receipt and certified it. 

a little over two weeks later ARS sent back a letter stating ' this is an attempt to collect a debt ' with just an account number and that I allegedly owe {$200.00} to XXXX XXXX XXXX  XXXX. 

ARS failed to send me proper documents stating that I owe this alleged debt. 

still to this day they are still reporting this on my credit report and its hurting my score.

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 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
XX/XX/XXXX specimen was taken at doctor office and sent to XXXX XXXX XXXX. 
XX/XX/XXXX XXXX sent claim to insurance ( XXXX XXXX ) Sometime later, received bill from XXXX XXXX Partners for same. 
Contacted Specialized Pathology and explained XXXX had already billed and was paid. They said they would note in their files. 
Also contacted XXXX who said they did not provide insurance info to XXXX XXXX because XXXX pays pathologist directly. I was told by XXXX they would contact the pathologist and clear this up. 
I heard nothing, received nothing since then, until last week. 

I received a notice from RMP Collection agency that I owe {$500.00} for this same bill dated XX/XX/XXXX. 

XX/XX/XXXX, I contacted XXXX XXXX, at XXXX, spoke to XXXX, to find out they are no longer in business and they still have this debt on their files and it was indeed sent to collections. 

I have no recourse to remove this debt at the company is out of business and the collection agency will not remove it. 

I received a copy of the invoice, showing debt was paid from XXXX and forwarded this to XXXX. They now will not answer my calls or return my calls to confirm their receipt and that the debt was paid. 

I am asking for your assistance to get this bill removed. RMP says they will put it on my credit report if I do not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I tried to deposit a XXXX dollar check from XXXX with my mobile app. I did this twice and was told each time that I exceeded my deposit limit for the day. I finally drove to the bank and I deposited the check into the atm machine. After my deposit my account was positive XXXX dollars. At XXXX XXXX I checked my balance again to find the screen shot below. When I called the bank 3 times no one there could tell me what was happening??? This is thievery as far as Im concerned! I want this bank to credit my XXXX dollars immediately and I do not want to sustain any fees? This is an outrage and it should be illegal!

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 2019-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Cometity bank closed a store card with XXXX XXXX XXXX for inactivity without notifying me. I did not want this card closed and inactivity timelines are not spelled out in the original agreements. I kept a XXXX  balance on this card in order to allow me to buy a wedding dress for my XXXX daughter when the time came. Closing the account adversely affects my credit and to do so with no notification what so ever is wrong on many levels. Since terms and property notification for cards out outlines in the 2010 consumer card act I believe not notifying me of closure of my account for inactivity violates said act. 

I plan on exploring legal options regarding this lack of property notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received a credit hit from Convergent Outsourcing inc. on XX/XX/XXXX thats was was unaware of. Convergent is a debt collection agency for XXXX. Ive never had a bill with XXXX or been associated with the address that is attached to the account. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX. The amount they are collecting is {$550.00}. That amount will not be paid from me because I have never in my 24 years of life lived or known of a resident from XXXX XXXX, Louisiana and now Im receiving negative credit hits.

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 2019-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
Tried to book an XXXX through XXXX. Transaction didnt go through. And scammer called and said that I can XXXX the money and she would send me a confirmation email. Later found out it was a scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: NJ

Complaint narrative:
On several occasions within contacting the company to arrange payment for my debt, they were intimidating and refused to allow me to make arrangements to pay off my debt. 

In my most recent contact on XX/XX/2019 to make attempts to pay the debt, the rep told me that I had to pay what was owed now, denying my rights as a consumer without offering options to assist. 

Several times they used scare tactics in order to get me to pay the debt in full, using if and then statements. 

I also wrote a formal complaint to the company about their practices where I shared my concerns of their behaviors and refusal to let me make arrangements to help me pay off the debt. This communication was not responded to. 

At this juncture, they are also not allowing me to pay reasonably. This is prohibiting me from my rights as a consumer and I am not protected.

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 2019-12-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: AZ

Complaint narrative:
It took three months to close on this mortgage. After illegally demanding additional documents, the XXXX XXXX  in charge of this company then demanded copies of personal drivers licenses. The company 21st Mortgage is headquartered in Tennessee, where such activity seems to be fairly common. After three months of complete negligence, XXXX harassment and incompetence, the final check was then made out to the wrong entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AAA Collections
State: SD

Complaint narrative:
Questionable business practices. No statements and no receipt of payment. Excessive amount of interest and fees accessed. 
Attitude and a high level of insolence from the person that I dealt with. Never sent statements and recipient of the payment made. Excessive amount of charges and interest. 
In addition, when I called in for the receipt which they claim was sent on XX/XX/27 from XXXX XXXX to rapid city was not received by XXXX. They mockingly stated they arent responsible for the post office, to which I replied I wasnt claiming that but it only takes 2 bdays to get anything from XXXX XXXX. When I asked for a sup the person audibly laughed at me. I have acr recorder on my phone and have a copy of this conversation and the one I had with sup XXXX who proceeded to tell me received a receipt of payment is a courtesy. I informed her I have a legal right to documentation showing proof of payment she insisted I use my bank statement and I again informed her I shouldnt have to do that and that not everyone that needs the receipt will accept that as proof of payment. She gave me no inclination that she cared one bit about the attitude of her rep. She did state her director is XXXX XXXX. I would like this forwarded to XXXX XXXX. I think its unprofessional and ridiculous that we dont have a way to get a receipt either online or a screen shot at least emailed to us. This is egregious. 
Desired Outcome Fair and equitable treatment from business and complete clarity on the issues of the poor billing practices. I WANT A RECEIPT IMMEDIATELY AND A CALL FROM XXXX XXXX OR WHOEVER THE DIRECTOR IS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: GA

Complaint narrative:
1 ) TD XXXX XXXX XX/XX/2018 ... 

Dear Credit Reporting Agency I am a victim of identity theft, Im writing too dispute the following items on my credit report.

Each of the following and transactions Im disputing were open and made by someone other than myself. I have contacted there companies and none of them have provided me with any documentation verifying that these accounts belong too me or that I signed for them. I never authorized, used or benefited from these accounts or transactions in any way. Please provide me with documentation or remove inaccurate information immediately from my report ; Im a veteran who served his country with great courage and valor I deserve better ( again ) Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CREDIT WORLD SERVICES, INC.
State: OK

Complaint narrative:
Contacted Credit World Services to verify validity of a balance on College class balance not paid by student loans or financial aid.The representative there did no assist me in any way. She basically stated that this will remain on your credit no mattet what you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I've reached out to Military Star and XXXX/ XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on 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 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: WA

Complaint narrative:
The Discover Credit Card and Discover Bank referred my already closed account ending XXXX to the XXXX XXXX  XXXX, XXXX. ( collection agency ) at XXXX, WA to file the lawsuit against me with the XXXX County District Court. The account was closed on XX/XX/2019 and I also received the refund check # XXXX in the amount of {$0.00} on that day, which I did not cash it. Discover Card, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, and Discover Bank, XXXX XXXX, Delaware who issued the refund check. It is against the law for the Discover Credit Card and Discover Bank to pursue a lawsuit against me after my account had already been closed. They have violated the Consumer Protection Act and the Fair Debt Collection Protection Act. Please investigate and then let me know. I would appreciate your assistance and emotional support. Thank you, XXXX XXXX, ( XXXX ) XXXX and you may reach me by email as well : XXXX And, the lawsuit was filed against me on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I was looking into doing a refinance on my home just recently. I was called back by the refi company and was told there was a lien of {$25000.00} on my home by a Ditech. I went to the State of Colorado and did a title search and was told the lien should come off my title because the Statue Of Limitations had expired. 

I never contacted Ditech but called XXXX  XXXX XXXX and XXXX who is now the servicer of my loan. I had received a line of credit in the summer of 2006 from XXXX XXXX for {$25000.00}. The line of credit was for a non-profit i am the president for. The monies came back from the non-profit and the loan was paid down to around {$3000.00}. XXXX XXXX was closed down and I never heard anything else. 

Ditech has sent me a letter on a Shellpoint letterhead claiming they are my loan servicer and all payments must go to them. XXXX claims they know nothing about the letter. Ditech is going through bankruptcy and nobody knows what the relationship is with XXXX and Ditech. 

Also Ditech sent me a fraudulent letter claiming I called them. They left two voice messages on my phone for collections. I had received letters from them claiming they will not contact me on this loan due to collection laws and the statue of limitations. 
I can not understand how this company can put a lien and cause me damage when the loan is not valid and it has been paid down to {$3000.00} at the most. My title should be cleared of this lien immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Company
State: CT

Complaint narrative:
This complaint is about XXXX  XXXX  not telling me in advance how much my prescription of XXXX  was going to be in advance before shipping out.  (According to my physicians office no other specialty mail order company ever ships an expensive drug to the patient with out getting a payment from the patient first) and also not going over with me how the co pay card that XXXX  gave me to use so that I could afford the drug to begin with.    XXXX   XXXX  had made an agreement with my husbands employer to not allow the co pay card to go towards our deductible.  I never saw this new rule nor was it ever explained to me when I started using the drug and the co pay card.  I was told that by using this co pay card it would take care of all of my out of pocket expense for being able to afford XXXX. 
	
So I started using XXXX  going through XXXX  XXXX I believe in XX/XX/XXXX.  I’m not exactly sure when I started seeing a bill, but I didn’t really pay attention to it because I was told that my co pay card would cover my bill.  I never was told that I couldn’t receive XXXX  until I paid for it.  The drug was always mailed to me.  I never gave it a thought until I started receiving statements saying “Due upon Receipt”  That prompted me to call.  Then to my surprise, I was told that I actually did have a balance a rather large balance of $XXXX this bill was from XX/XX/XXXX, I called them on XX/XX/XXXX.   Up until this point I was still being sent the XXXX  without a phone call or interruption of my medication until I tried to order it again on XX/XX/XXXX.  Then I received a text saying “The copay for your medication has changed.  Tap the link to confirm the new amount so we can ship: 

When I called I was told my account was sent to collections and I would not be able to receive my prescription until I had a reference number from the collection agency.  I had to stop taking my medication cold turkey.  I was so upset by this news that I actually got a XXXX   and wasn’t feeling well for a couple of days.

XXXX is needed for my condition that is so bad that I actually XXXX  the XXXX  in my XXXX (XXXX) XXXX.  Which is the reason I needed to go on the XXXX  XXXX.  I had to have XXXX   on XX/XX/XXXX to repair the XX/XX/XXXX after which I needed XXXX XXXX  to learn how to use my XX/XX/XXXX again.  I was told I needed a XX/XX/XXXXto keep this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: ME

Complaint narrative:
I received a tax refund from the State of Oklahoma in XX/XX/2019 in the form of a Way2Go MasterCard. I was unable to login to the website but was able to activate the card via toll free number. Eventually I contacted customer service after long holds and they told me I couldn't login because my SS# was incorrect on their server. They told me the number showed as XXXX   where the last 4 digits were the only ones correct. 
I was finally able to login using the incorrect SS# and was able to transfer what was left of my refund to my personal checking with my home bank. In the process of trying to rectify this issue, XXXX  charged the card $XXXX four times for check my balance. Nowhere does this company disclose a balance check fee of $XXXX a whack that I can see when calling their toll free number. 

I have called to dispute the charges and tried disputing them online. I am unable to select any of the charges to file a dispute online even trying with two different web browsers. I have called the toll free number on the back of the card twice. Yesterday XX/XX/2019 I was on hold for more that one hour with no response. Today, XX/XX/2019 I am currently on hold waiting to get help and the timer on the call is now 48' 20".

Thank you for your help. This is a matter of principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient in cooperation with XXXX XXXX  XXXX has my loan balance higher then what was owed and has no cap on the interest rate either. The balance keeps growing and is way more than what was owed as my original balance I am very concerned this practice of doing this is not legal. I believe both of these companies are preying on me because of my situation with XXXX University and because of my desperation for help. I think what they are doing is unfair business practices and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: IL

Complaint narrative:
XXXX XXXX XXXX has been reporting on my credit report since XX/XX/2018. 
I have NEVER done any business with this company and I dont know who they are. 
I need for this inquiry to be completely deleted from my credit report immediately.

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