vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
Pulled my credit due to trying to buy a house. I found that I had a medical collection from Central Financial. This is a medical debt from XXXX XXXX Hospital. I sent a dispute in on XX/XX/XXXX stating I provided both insurance to the hospital. My XXXX XXXX was already in the system but when I started working and had XXXX added at the time of visit. XXXX XXXX removed my XXXX XXXX and just added XXXX. This was the only insurance billed. The sent notification back stating I verbally gave only 1 insurance information and will not remove the collection nor stop collection. I called back on XXXX XXXX and the agent I spoke to went through the entire account and realized the account went into collection XX/XX/XXXX. I called in on XX/XX/XXXX letting the agent know that I had a secondary insurance that should have been billed. He stated that it was 2 accounts in the system and the agent notated only 1 account and that 's why they are only pursing that 1 account. He told me to send in another dispute stating the information that was given. I called today to see if there was an update on the second dispute. I was told by the agent that I was not allowed to do a second dispute and also they just received the second account in XXXX that also need to be paid. I know this information is not true due to the fact that both accounts was in there office when I sent the first dispute in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
This is in response to Complaint #  XXXX .  <P/> The answer is NOT acceptable. It clearly admits liability that DITECH misappropriated funds. We do NOT have a    XXXX   XXXX    account nor ever had one. It is the full responsibility of Ditech to recover the monies they misappropriated and credit account in full to  XXXX   XXXX .  <P/> 1. The {$14000.00} must be applied to principal only on account #  XXXX .  <P/> 2. Please provide photocopies of all checks received. Show where total is {$14000.00} instead of {$14000.00}. This has been reviewed and verified by the  XXXX   XXXX    XXXX   as the correct amount.  <P/> 3. If you have a mail delivery problem, address it directly to USPS.  <P/> 4. All monies of {$14000.00} are to be applied to Principal Only. No authorization was given for {$360.00} to be deducted for administrative costs. Our records through monthly certified mails receipts indicate no late fees of any kind. This amount must be re-applied to principle amount immediately.  <P/> If this matter is not resolved by the time frame of the required reply,  legal council  will immediately submit a Summary Judgment against Ditech in  the county  court of  XXXX   XXXX ,  XXXX , CO., in order to recover funds.  <P/> Because DITECH has held the monies in their possession since  XXXX   XXXX , they are liable for actual and punitive damages, interest, certified mail fees, and all legal fees and court costs.  <P/> A formal complaint with the Attorney General of CO has been filed concerning consumer fraud, misappropriation and extortion of funds.  <P/> All replies are forwarded to local  XXXX   XXXX , Consumers Corner for on-air viewing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation
State: MA

Complaint narrative:
On XXXX XXXX, 2017 I cashed a check at XXXX XXXX XXXX in XXXX RI for {$300.00}. This transaction had a {$15.00} fee which I agreed to pay for a total of {$310.00}.
However, the check cashing company, Telecheck Services Inc. XXXX XXXX XXXX, XXXX XXXX Tx overcharged me and debited {$330.00} cents from my checking account at XXXX XXXX XXXX. When I noticed this extra, unauthorized charge of {$15.00} I contacted my bank and asked to withhold that {$15.00} from the payment to Telecheck. The bank reviewed the transaction, and stopped/withdrew the WHOLE payment of {$330.00} until the transaction is corrected. Meantime, I have been contacted by a collection agency for Telecheck demanding full payment of {$330.00} and refusing to correct the problem. My multiple attempts to resolve this issue ( calling XXXX XXXX and Telecheck ) are not being addressed. XXXX XXXX referred me to Telecheck and there I am not assisted at all ; the call goes to XXXX where the customer service agent " XXXX '' i.d . XXXX was incapable of understanding that this was a mistake I wanted to resolve and when I requested to speak with a supervisor refused to transfer me to a supervisor or anyone else and to provide me with a corporate address for a complaint. This individual issue also raises the possibility that this company is making many " mistakes '' to their customers transactions and possibly illegally profiting by them. Please assist in resolving this issue and review their number of accounting " mistakes '' that always are in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: PA

Complaint narrative:
I contacted XXXX XXXX and Equifax on XX/XX/XXXX, I spoke with a representative, I explained that there were several inquiries on my report that was not authorized, they asked me to fax a letter to them and to list the unauthorized inquiries. I did that and I received no response and no results. I contacted them yesterday and they told me to do the same thing. A fraud alert has been placed on my account, and they still have all these inquires listed on my credit report. XXXX was the only credit bureau that worked with me to remove these inquiries and to issue a fraud alert.
<P/>
I have been unsuccessful with XXXX XXXX and Equifax, I sent letters to the agencies who placed inquiries on my report, no response, I asked XXXX XXXX and Equifax to identify if the information was correct, no response.
<P/> Both of these agencies have are reporting double inquiries from the same Company within 30 days of each other. The companies are listed below.
<P/>
XXXX XXXX : Equifax was authorized but only once, they have it listed twice onXX/XX/XXXXand XX/XX/XXXXXXXX XXXX was authorized once but listed twice on XX/XX/XXXXandXX/XX/XXXX.
XXXX was not authorized at all onXX/XX/XXXX XXXX XXXX was not authorized at all on XX/XX/XXXXor XX/XX/XXXX XXXX was not authorized at all onXX/XX/XXXX or XX/XX/XXXX XXXX XXXX  was not authorized onXX/XX/XXXXEquifax XXXX never authorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX ( address was incorrect for me ) XXXX XXXX  never authorized XX/XX/XXXXXXXX XXXX XXXX XXXX never authorized XX/XX/XXXX XXXX XXXX not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX) XXXX XXXX not authorized onXX/XX/XXXX ( only authorized once onXX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I received a call on XX/XX/XXXX on my work mobile number from this company Financial Credit Service Inc., DBA Asset Recovery Associates ( ARA ) claiming that they had mailed me correspondence several times regarding this debt and that I had not responded so they were going to file a judgment against me if I did not pay the debt immediately. They had my SS #, and a list of every place I had lived, I explained to them that I had never received anything regarding this and had no idea what debt they were talking about. They told me the company and that I owed this from an account that was closed in XX/XX/XXXX. I again explained I do n't even know what this is and if I even had this debt for this account. They told me again they had mailed me correspondence about it and evidently I had thrown it away as junk mail or decided not to respond. I replied that was not the case, that if they had mailed me multiple letters as they stated, I would have known. I was again threatened with having a judgment filed against me. I am in the process of buying a home and was scared for something to interfere with that. They indicated that they could see about a settlement, and scared me into paying them {$750.00} immediately, with the remainder of {$2400.00} being due by XX/XX/XXXX, otherwise they would file the judgment against me. After hanging up I got to thinking and started doing some research and found several complaints filed against this company for scamming money people did not actually owe. I called my bank immediately and put a stop payment on the funds since I had used my debit card to make the initial payment. The bank issued a fraud case against the payment for use of malicious tactic 's to obtain money from me. The credited me back the money and I cancelled my debit card and got a new one. I have no proof that this debt ever existed, it is not on my credit report and therefore I feel I got taken advantage of. Not to mention its 17 years later and this call just comes out of the blue to me. Even if this debt was valid, which I do n't feel it is, the statute of limitations in Texas is 4 years. The only written correspondence I have ever received from this company was on XX/XX/XXXX listing out the " settlement payments '' via email address I gave them over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have been the victim of  Fraud  starting   XX/XX/XXXX . Chase   Card obtained unauthorized copies of my  XXXX  and   XXXX   reports sending Hard nq uiries on the following dates  :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I co ntacted Chase Bank at  XXXX . They sent me to their Lost  Prevention Team and they told me that they can not find me in their system. I contacted  XXXX  and  XXXX  and they can not understan how they can not find my information when they are the ones asking for the information. I never applied for Chase Card, I believe I was th e victim of fraud because when I obtained my credit report, there are many errors with my name. It shows  XXXX   XXXX ,  XXXX   XXXX   XXXX . I am attaching a formal complaint I did as well as all the ahrd inquiries Chase did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Uber Technologies Inc.
State: FL

Complaint narrative:
I been having issues with my private bank for years. So it 's wise to say I been monitoring the financial violations on my accounts. And life. So using Uber was safe and affordable. Until I began to be charged with driver Cancellations. And not given accurate quotes. Even being placed with abusive drivers. I had to report to Law enforcement. So this last insult by  UBER  drivers. Has driven me to file a consumer complaint & seek legal actions for the emotional distress I endured from being a loyal member of  Uber  and these banking organizations. Since I know the injustice of the banking world to prove this claim is the cause of my consumer report. I would like  Uber  to credit the account they been taking funds from. When they state they credit me. I am unable to speak to a live representative for my credit. So this complaint is so Uber can refund my debit Card the funds and credit owed to me by driver and technological error. So I can file my complaints with my banking as well. For the overdraft fees etc ... Years of being violated has lead me to want to seek legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have called all three credit bureaus ( Transunion, XXXX, XXXX ) a total of 10 times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I called to inform them that my reports show 2 bankruptcy filings that do not belong to me that was supposedly filed on my behalf in XXXX County, NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in XXXX XXXX and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all 3 bureaus and they have done nothing at all.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
A overseas call center for a creditor in approximately   XXXX   input my name incorrectly as  XXXX   XXXX . That name now shows as an alias on my credit file. I have disputed this with  XXXX  who stated that according to the creditor the information is correct even though I stated in writing  XXXX   XXXX  IS NOT my name, was added by an overseas call center employee who could n't understand my   XXXX   XXXX  , and I HAVE NEVER used that name!  XXXX  REFUSES to correct the error!!!!

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 2017-07-12 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: OR

Complaint narrative:
A overseas call center for a creditor in approximately   XXXX   input my name incorrectly as  XXXX   XXXX . That name now shows as an alias on my credit file. I have disputed this with  XXXX  who stated that according to the creditor the information is correct even though I stated in writing  XXXX   XXXX  IS NOT my name, was added by an overseas call center employee who could n't understand my   XXXX   XXXX  , and I HAVE NEVER used that name!   XXXX   REFUSES to correct the error!!!!

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 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: KS

Complaint narrative:
US Bank in XXXX, Kansas. I closed my bank account and wanted to reopen it but was denied. I had no bad checks or problems while the account was opened. I felt the Manager used his influence to get me to close it. I want to reopen this 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 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
XXXX XXXX has been hired as a debt collector for XXXX to collect a debt of {$3500.00} that was fraudulently made in my name in XX/XX/XXXX of this year. In XX/XX/XXXX, XXXX XXXX would call me from a different phone number almost every day. They would not identify themselves as a debt collector. They would ask if they were speaking with " XXXX XXXX '' and I would confirm. Then they would ask me to a verify an address on file. The majority of the time I would not confirm or deny the address as being correct ( it was incorrect ). Instead, I would state that I need to know who is calling me and asking for this information before I could respond to that question. They would then respond that they could not tell me that until I gave them the information they needed. I would eventually hang up on them after stating that I do not give out information over the phone to people I do not know and if they would not identify themselves, I would not be providing them with any information. On one occasion, I did respond that the address on file that they have is incorrect. When they asked for a correct answer, I, again, refused to give that answer unless they identified themselves. They, again, refused to identify themselves without me giving them a correct address. Finally, I told them that I was going to report them to the FBI and that they need to stop calling me if they are unwilling to identify themselves. I did make a report with the FBI in the second half of XX/XX/XXXX listing a complaint with the above information and two of the phone numbers I had for them.

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 2017-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As this debt collector is not entitled to collect on a debt in the state of Florida.

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 2017-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: iFreedom Direct Corporation
State: WV

Complaint narrative:
To whom it may concern :   XX/XX/XXXX     I went to  Veterans First  to refinance my home. I dealt with  XXXX   XXXX . I was told by  XXXX  many times that when the loan closed he would take the escrow out of the loan (  XXXX  loan account number ) it was financed thru  XXXX . The payment with the escrow was {$730.00} and without escrow {$540.00}, I told  XXXX  that I could not afford the {$730.00} payment many many times and he said ( again ) not to worry he would take care of it. So the night of   XX/XX/XXXX   he called and said he could not remove the escrow, so I said you lied to me He said that he didnt know that they would not do it. Needless to say I was mad and in a financial bind. To make a long story short I am now I the process of re financing again. I think that you should know that this person is lying to the vets, and doesnt know his job. I will be in touch with the Attorney General and Better business bureau.   His information is :  XXXX   XXXX  Loan  Officer  NMLS #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX  XXXX  XXXX  Thank-you for your time,  XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I got a  XXXX  vehicle from Santander Consumer back in  XXXX  the company I was working for went out business I spoke with several representative verbally they informed Me since I was laid off & volunteer returning the vehicle it 's okay this would n't effect Me that 's Not true I pulled My credit & it 's on there I have contact them & representative said it should n't be on there it 's mistake I was transferred to several different people 's & was given different details & the run around saying just make payment arrangements I said I refused to make any payments after I was verbally told Everything would be okay once y'all got the vehicle & then they did a charge off Santander  is  n't a good company after verbal agreement with Me I 'm not paying for a vehicle they have & knew My situation I was n't treated  far  & I 'm disputing this to be removed from My credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I borrowed private student loans with  XXXX   XXXX   (  now Navien t )  for  XXXX   XXXX   XXXX , the amount owed is {$11000.00} as of today. I filed bankruptcy in  XXXX ,  XXXX  and had been told this payment  may  have been paid off. Navient said they had no record of that?  <P/> I have recently been   XXXX   since  XXXX   XXXX . My  XXXX  ran out in  XXXX   XXXX , I called them requesting deferment and was denied and told that unless I am enrolled in school, my regular deferment ran out and they can not help me. This is n't the first time I 've had that conversation with them. The only other deferments I had were close to 10 years ago, and I had to pay an amount of money for the  2/3  times to even have my payments be in deferment!   I am on food stamps  (  since  XXXX   XXXX  ) and can not afford to make these payments to them currently because of my cost of living. Yet, they will not waive my fees in anyway.  <P/> Help?  <P/> thank you.

Company response to consumer: Closed with explanation