vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
On or about  XXXX   XXXX ,    2017, I recei ved a letter from AcctCorp of Southern Nevada regarding a collection of alleged medical debt. On  XXXX   XXXX ,  2017, I se nt a letter certified mail to AcctCorp of Southern Nevada requesting the following : - Breakdown of any and fees including any collection costs and medical charges.   - Copies of any and all  XXXX   XXXX   XXXX   XXXX  bills, documents and correspondence in your possession.   - Copy of my signed contract with  XXXX   XXXX   XXXX   XXXX  authorizing release my medical information to ACCTCORP.   - Copy of any and all contracts between ACCTCORP and  XXXX   XXXX   XXXX   XXXX  as set forth in, but not limited to, T itle 45, 164.502 ( e ) and 164.504 ( e ) of t he Code of Federal Regulations. - Cease any credit bureau reporting until the debt has been validated by me.   AcctCorp of Southern Nevada failed to provide the information I requested as per the Fair Debt Collection Practices Act, and Tit  les 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations.
In addition AcctCorp is in violation of HIPPA and my privacy has been violated according to 45 CFR 160.103 as AcctCorp is in possession    of my private medical records and history without my express written consent.   AcctCorp of Southern Nevada is also in violation of the FDCPA ; having posted the alleged debt on my credit report prior to responding to the requests made in my letter to them, dated  XXXX   XXXX ,    2017. A copy  of the letter is attached.

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 2017-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management
State: VA

Complaint narrative:
Never received any correspondence from this company. This debt has been discharged through bankruptcy in XXXX 2010.

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 2017-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
Never received any correspondence from this company. This debt has been discharged through bankruptcy in   XXXX    2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
On   XXXX   XXXX   XXXX ,  One Main Financial ran a hard inquiry on my credit report along with my husbands. This was NOT authorized nor did we give them consent to do so. We currently have a loan through them for se veral years. We did not ask to refinance or anything like that. They did not have permission to do this . One Main  has been caught in so many lies, several by me alone. They tell you one thing and then do another.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
A Company Called  Diversified Consultants be gan calling my cell phone multiple times a day. I would not answer the phone because I have no business with that company. They have added a collection account to my credit report. I do not have any business with this company and have no outstanding unpaid bills or charged of debt with this company or any other. I believe they have the incorrect person or they are trying to collect money from over 20 years ago. They have not mailed me any information about the debt and I will not speak to a collection office when I know I have no issues.     I believe this company is engaging in debt collection in an illegal matter and should be investigated. I have disputed the account with the credit bureaus. If the account is not removed from the credit bureaus then I will pursue legal action for damages against  Diversified Consultants.      I am in the process of trying to buy a home and this has caused financial damage to my person.      XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I call them numerous of time that debt was paid they did n't do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have disputed this unknown account with both the creditor and tge credit bureau and it keeps coming back as verified. I have never had an account with chase, this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC
State: CA

Complaint narrative:
I reported this item to my credit report, i never new about this debt., nor is this debt mine, i have no knowledge of this amoit and account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC
State: CA

Complaint narrative:
I reported this item to my credit report, i never new about this debt., nor is this debt mine, i have no knowledge of this amoit and account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding LLC, continue to file false information on my credit files. The debt listed below, is reporting on my credit files and LVNV Funding LLC will not respond to my requests for validation and verification. I have never had an account with this company and do not have any contractual agreement with them.         Name : LVNV FUNDING LLC Acct # :  XXXX  Credit Limit : {$0.00} Date Reported :  XX/XX/XXXX  Date Opened :  XX/XX/XXXX  Balance : {$880.00} Past Due : {$880.00} Acct Status : LVNV FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , SC  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Current Status : Account Owner : Individual Account.  High Credit  : {$880.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : {$0.00} Terms Duration : Terms Frequency : Date Opened :   XXXX   Balance : {$880.00} Date Reported :  XX/XX/XXXX  Amount Past Due : {$880.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity :  N/A  Date Major Delinquency First Reported :  XXXX  Months Reviewed :  22 C reditor Classification : Financial Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency :   XXXX   Comments : Consumer disputes this account information, Collection account, 81-Month Payment History Year   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
This Collection agency Company Convergent has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$2400.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to Convergent about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Convergent. Dont matter the original creditor have the same account number as the collection agency. XXXX and Convergent different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$2400.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA.

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 2017-05-21 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I applied for the Delta American Express card online. The initial offer of XXXX  bonus Miles was presented to me at first. After closing the window a new counter offer of XXXX was offered and at that point I have decided to apply. To date only XXXX miles or deposited to my delta account. After serval attempts to get the rest of miles deposited I have decided to involve the CFPB. I ask that you help me to get there extra bonus XXXX miles  deposited into my Delta account. American Express case number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had an  a CCB/PayPal account 7 years ago. I canceled my account 7 years ago. CCB/Pa yPal continues to request my credit report from  XXXX , and  XXXX . Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 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: TX

Complaint narrative:
I had an a  XXXX / XXXX  account 7 years ago. I canceled my account 7 years ago.   XXXX   continues to request my credit report from  XXXX , and Equifax. Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The following statement cites the correspondence provided between the client an d Navient Solutions , Inc.,  as last reported as of   XXXX   XXXX   XXXX  . The issues that will be addressed are in regards to the frequency of communication from Navient  Solu  tions , Inc. , in which an insufficient amount of time has been provided to the client in order to compose timely responses  ( n ote : Refer to attached documentation for specified timeline ).   Other issues involve the methods of contact which Navient  Solutions , Inc.  has claimed to have carried out in order to reach the client, yet has not been validated by the client or proven  externally ( note : Refer to Litigation Review, as provided by Navient Solutions   , I  nc.  on   XXXX   XXXX   XXXX    ).    The last correspondence provided by the client is dated as of   XXXX   XXXX   XXXX  , in reference to the former documentation provided by  Navient Solutions , Inc. (  note : Dated as of   XXXX   XXXX   XXXX   ).   As the clients preference has been listed as their mailing address, insufficient information and assistance has been provided by  Navient Solutions , Inc. in  an effort for both parties to communicate efficiently and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased a {$500.00}  XXXX  Gift card in   XXXX    back  two years ago. I used {$250.00} of the balance of the card. Last year my   XXXX    account got suspended without further explanation but my gift card was still linked to that account. Because of that, I can no longer use the {$240.00} remaining balance of that card. I tried to contact the company for a whole year already but got  pushed around between department. The last time I contacted them was    X/XX/2017 .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had gotten my  BMO Harris  debit card stolen on   X/XX/17   and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the onl y one. I h ave an installment loan with BMO and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XXXX    XXXX   payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX     XXXX    was made for $   30+ and  ca used my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  BMO  when canceling my card and caused the payment for  XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come  X/XX/17    I received a phone call from  BMO  's credit reporting office and was informed my payment was  30    days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XXXX    XXXX   payment that totaled out to {$100.00} and then the next day was in fact double charged for  XXXX   XXXX  overdue payment which put me at insufficient funds once again. BMO has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.

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 2017-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am a victim of identity theft. I received a letter in the  US  mail from Synchrony Bank on   XXXX   XXXX  2017.  The letter advised that my recent request to obtain credit had been denied. The letter was addressed to me under my maiden name. I immediately contacted Synchrony Bank Customer Service to advise I did not authorize the request for this credit. I requested a copy of the application details to be mailed to me. I was advised to submit a formal request in writing. I sent a written letter following up to my request for records and mailed it certified mail, tracking #  XXXX   XXXX   XXXX   XXXX   XXXX   , w hich Synchrony Bank received on  X/XX/17   . Since I received no response from Synchrony Bank, I sent a second letter to request a copy of the application on  X/XX/17   , tracking #  XXXX   XXXX   XXXX   XXXX   XXXX   ,  which Synchrony Bank received on  X/XX/17   . Both mailings included copies of my FTC Identity Theft Complaint and the face sheet referencing the Police Report I filed relating to my identity theft. As of today,  X/XX/17   , I have not received a written response from Synchrony Bank regarding the application details. In accordance with section  609 ( e )  of the Fair Credit Reporting Act,  15 U.S.C. 1681g ( e ) , I am entitled to the business records relating to the fraudulent request for credit. The law directs these documents are provided to victims of identity theft at no charge, and without requiring a subpoena, within  thir  ty ( 30 )  days of my written request. I am filing to complaint due to Synchrony Bank not responding to my request.

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 2017-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This is about my student loan and here is my Navient information   XXXX   XXXX   Account #  XXXX  I am a  XXXX   XXXX  student and have been for the past  3+  years Last summer I noticed that Navient had put me down as starting repayments within a few months and took the appropriate steps to rectify this, including the school sending confirmation regarding my student status Now Navient send me an email stating that I am overdue on a payment and another  one  is due now!   They seem to be unable to rectify the mistake, despite my best efforts.   I have also written to their ombudsman and the contents of that email are bellow.   ================================================ The email : Dear ombudsman office, My account states that   I have an overdue payment and more coming.
I am a full-time student!!!!
I saw this mistake coming last summer and did all the necessary steps ( school sent verification ) to correct it.
So why now am I being billed?
Please look into this and correct it.
I am also sending this letter to CFPB T  hank you  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had gotten my  XXXX   XXXX  debit card stolen on  X/XX/17    and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the on ly one. I  have an installment loan with  XXXX  and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX  's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  XXXX  when canceling my card and caused the payment for  XX/XX/XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come   X/XX/17   I received a phone call from  XXXX  's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XX/XX/XXXX  's payment that totaled out to {$100.00} and then the next day was in fact double charged for   XX/XX/XXXX 's over due payment which put me at insufficient funds once again.  XXXX  has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.

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