vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX notes to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
Citizens bank is reporting my loan XXXX days past due but my next payment due on their website is XXXX/XXXX/XXXX. My payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I was on a XXXX XXXX from XXXX XXXX until XXXX XXXX. I submitted my XXXX Orders to AAFES via mail in order to request and receive the XXXX Benifits on my Account. The Exchange Credit Program offers XXXX benefits to all eligible XXXX XXXX and Mobilized or Activated Reservists or XXXX XXXX XXXX Members who have valid orders to deploy to qualifying contingency locations. While I was XXXX, I would still be able to make purchases, but I would not be required to make monthly payments and my interest rate should have been temporarily reduced to six-percent ( 6 % ). After my XXXX ends, my interest rate reverts to the rate in the current Exchange Credit Program XXXX XXXX and I would be required to make monthly payments as long as my account still has a balance. I contacted AAFES every month about this issue, and have continued throughout the duration of my XXXX and every month afterwards via mail, and email. This caused a significant financial stress, and caused me to fall behind in my other bills because I was not anticipating to have to make the monthly payments for the entire year of the XXXX 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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX is reporting my loan XXXX days past due but my next payment due on their website is XXXX/XXXX/XXXX. My payments are current.

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 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
XXXX I reviewed my credit report and noticed my score dropped substantially. Diversified adj svc had placed a derogatory mark stating I had an unpaid balance. I immediately called them XXXX with a busy tone on the line. I attempted various times again on XXXX when I finally reached an agent. I advised the agent that I was never made aware of this account or received prior notification but that I am willing to pay the full balance if it can be removed as I am in the process of applying for a business loan. The agent advised me over a recorded line that they will not remove the account as it has been in collection for some time well over a few years and also stated they simply collect payment and do not work alongside the credit bureaus. He said once the payment is made that I can speak with them. I asked who the account pertained to and he advised me it was XXXX. I advised the agent that it would be impossible as I had not been under XXXX employment for less than a year. I also requested verification of the debt to the address I provided as I never received prior notice or contact violating my rights to dispute. He said " Just pay your bill! ". I mailed a letter to the collection agency XXXX again requesting verification of the debt as I had never been contacted in any shape way or form and again extended my willingness to pay in the full balance for removal of the remark due to not being contacted within a timely manner and would await XXXX days from the mail date. XXXX at XXXX XXXX diversified specifically contacted my sister who is a minor not only disguising the nature of the call but also advising her it was an attempt to collect a debt once she verified I have not lived at that current address for several years. XXXX I had still not received any notice or call from the agency. I called XXXX for assistance and was advised that Diversified like any collection agency has the ability to remove the remark but that XXXX can not further assist me. He advised me to check online where I verified the XXXX agent 's statement that Diversified does in fact reports to the credit bureaus. Diversified has violated my rights as a consumer under the FDCPA by never having contacted me prior to reporting the account in question or providing me notice after I and not they, initiated contact with them. I have provided them my address and phone number twice. Once over the phone and in my letter to them but still received nothing. They have also violated my rights by not only contacting a minor who is not under my care but also disclosing the nature of the call rather than contact me directly. The mishandling of the debt to be paid shows irresponsibility and zero accountability on Diversified 's end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
Health care collections i attempting to collect on debt that is over two years old. They removed it from my credit reports and now are trying to re attempt to collect it. There are two things wrong this, one i had insurance that was never billed, two you can only attempt to collect on a debt for XXXX  and medical debt and only report for three years in the state of az! This is again the FCRA and i want this item removed i have also sent a cease and desist letters and this complany is still contacting me. Not only did the bill inaccuratly now they are trying re 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 2017-10-06 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: NC

Complaint narrative:
My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy of my credit report I have noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and I then contacted the credit bureaus ( Equifax, XXXX, and XXXX ) and let them know about the problem. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Equifax XX/XX/2017. These accounts are making my credit score bad and its hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Firstpoint Collections is trying to collect on medical debts that were a result of medical fraud/identity theft. I have disputed the debt with credit bureaus but Firstpoint continues to verify when all they can really do is validate. the debt ca n't be properly validated because it 's a result of fraud. I have sent the necessary paperwork and have submitted the original police report but still no resolve. I 'm filing this complaint as non compliance under the FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have contacted Midland Funding LLC several times about this outstanding debt that is not mine. I have disputed it several times as well asked for supporting documentation that shows proof that this debt was mine. I have been dealing with them and this account since 2009. Statue of limitations has passed on this invalid debt but they are continuing to report this false information on all of my CRAs. I am writing to dispute fraudulent charge ( s ) on my account in the amount of {$610.00}. I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from all CRAs. I also request that they cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ). I have filed and had an affidavit notarized. They are not abiding by the law and I would like something done about this! It has effected me long enough!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Optimum Outcomes continues to report fraudulently obtained accounts on my credit reports after I have formally requested and sent them my original police report for identity theft. I have disputed with the credit bureaus but Optimum continues to verify it as mine.I 'm filing a complaint on this company for deceptive business practice and code of ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I just checked my credit report and she a collections account on there for XXXX in the amount of XXXX  opened XXXX XXXX. I never opened a XXXX account!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I live in XXXX and affected by hurricane XXXX and requested forbarence on my morgage on XXXX/XXXX/XXXX but they pulled my payment on XXXX XXXX So I Wrote on XXXX they contacted me and said they would do a wire transfer which took part of the day and creating so much stress I had to get medical treatment .I wrote XXXX XXXX and another supervisor contacted me his name is XXXX and he transfers me to supervised XXXX who said I had to authorize a transfer and I said I was medicated /sleeping after taking narcotic pain meds for my XXXX they caused and having a XXXX XXXX contact me to see if I was going to XXXX XXXX as I stated they would have my XXXX on their haves if I had a XXXX or XXXX.Today I see in my credit union XXXX XXXX payments and NFCU says XXXX my statement I am overdrawn but NEVER contacted me .I wrote XXXX XXXX again and XXXX no response so again instead of repairing damages from their mistakes I will have to spend the day fixing their errors and again requiring more meds and no hurricane repairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KY

Complaint narrative:
I have a Direct Express Debit Card which my SS Benefits are deposited on each month. On XXXX XXXX, XXXX I paid my utility bill of {$330.00} and I have the receipt that shows I paid XXXX, but when I checked my account on line the amount had been taken out twice, XXXX minute apart. I called XXXX XXXX and it took XXXX hours to get thru, they will not let you hold for a rep, you have to call back again and again. They stated they would mail me forms to fill out and MAIL back ( no faxing ). That was the XXXX, it is now XXXX XXXX and still no forms. I have called again and got the same speel. it will be there. I looked on the internet for reviews of Direct Express and I found it on XXXX Off Consumer site. I think they are really taking peoples hard earned benefits. I think XXXX XXXX XXXX, needs to change companies to handle recipents benefits. I call XXXX and it was suggested to me to get a local bank Direct deposit. Some one needs to check Direct Express out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Attempted to freeze credit report w/TransUnion via XXXX XXXX XXXX  Learned that, to do so, I need to have/create an account. Clicked " Do I already have an account? '' link & learned that since I had previously filed a Fraud Alert, I already have an account. Do n't know logon info so clicked 'forgot username/password ' link & landed here : XXXX XXXX XXXX  This page asks for SSN ( x2 ) +last name. Input info & got error mssg that the SSN I input was invalid so I wound up attempting to input multiple more times before this page popped up : XXXX XXXX XXXX  ... which has a blatant typo/improper grammar. Tried to reach a person at TransUnion to get help freezing credit report & learn if I was just scammed by a fake page but could reach nobody. 

So, I think a scammer just got my name & SSN by spoofing ( is that the term? ) TransUnion 's credit freeze page.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I submitted for my annual recertifiction well before it was due to Nelnet. I have a third party that checks on the status of my account and they indicated that the application was received and currently in process. It was n't until the application was almost expired that I received a notice requesting additional income documentation. When I originally submitted my income driven repayment plan recertification I had not filed my XXXX return as I had filed an extension so I submitted the application with my XXXX return as the application indicates. Nelnet took so long to process my application that I fell out my income driven payment and into the standard payment although it was submitted 2 months in advance on XX/XX/XXXX. I did not file my tax returns for XXXX until XX/XX/XXXX. No Nelnet is  requesting that I submit a whole new application because it is too old although it is their fault that it has taken so long. I submitted my XXXX return as soon as I had it and they are making me wait an additional month to process and forcing me to submit another application since I am no longer in my program because of THEIR slow processing. If they would have told me initially to send them a copy of my extension I would have, but the DID N'T tell me ANYTHING until it was too late. They have just been wasting my time and now are putting me in a financial burden for THEIR error. Instead of trying to process my application quickly they have been stalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: NY

Complaint narrative:
a couple of years ago i wrote to you about triad on financing my mobile home.some of the problems were my daughter was on it and she was on XXXX so i had to refinance to get her name off or XXXX would take it. Well they refinance but they also raised the payments, dont have a title and i was going to have my bank do it and they wont without having a title. also i asked them for insurance through them their sight says they sell it and you got to have it. i caint get it they wont sell to me and i caint purchase anny because i dont have a title. the home is a XXXX they have XXXX someplace i asked them whyi paid title ins. they gave no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I have disputed fraudulent inaccurate information with Transunion on several occasions. The most recent was XX/XX/XXXX2017 when I sent certified letter requesting originating documents of a student loan that is on my report twice. The response I received was that information was verified. I did not request " verification ''. I want all the original documents that were applied for with my name. I did not apply for a student loan, sign a contract, receive funds, or authorize use of my name. I advised them to delete this inaccurate information if they wont send me the requested documents. 

The first account is XXXX XXXX XXXXXXXX # XXXX opened X/XX/2017 The second is XXXX XXXX  XXXX # XXXX opened date X/XX/2017 The second account is the same loan with a variation of the banks name with an inflated balance and changed opened date, this also gives the illusion that these are two separate accounts when they are in fact the same account. At this point I cant even access my account online to view or dispute the information again. The supplied phone number has me holding over 97 minutes now, I really need assistance trying to deal with this company.

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 2017-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I closed my capital one account on XX/XX/XXXX. I was told by them that I had to bring my account to date to use my miles. I paid the {$100.00}. I then paid the amount they gave me that would XXXX out my account as of the end of that day. I paid {$1600.00} and I was told by capital one that my air miles had a cash value of {$280.00}. That brought my account to XXXX. I asked them on a recorded line to not allow any more charges on my account as that account was now closed. Everyone agrees at this point it would have been a XXXX balance. They allowed charges after XX/XX/XXXX. They also reneged on the air miles without ever telling me. I found out in XX/XX/XXXX that the account was never closed. I disputed the charges on XX/XX/XXXX. In XX/XX/XXXX I was told they were going to review the tapes and get back to me. Even though they acknowledge that I told them in XX/XX/XXXXto close the account. The decision did not go favorably for me and I was never notified. What has happened here basically is Capital One has stolen my air miles that they said I could convert back in XX/XX/XXXX. 
I applied for a mortgage the first week of XX/XX/XXXX. I was notified at that time that my credit score was  affected by this Capital One issue. Capital One never contacted me with the result of the dispute. I called them immediately to resolve the issue. I offered to pay the charges and deal with the vendors for a refund- even after I told them not to allow charges and did n't feel I owed them. I felt as though they were extorting from me and using my credit report as leverage. I told them I would not pay for my air miles which was cash that was mine that was not refunded. I told them I would not pay late fees and interest. They were unwilling to work with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Initially my credit file had been split a lot of the things that were on my credit report I was unable to view. I had to send in a letter requesting my credit report to be merged. For a few months I had been filing disputes for items that were on my credit report which did not belong to me. Its been a long process, finally started to see items being. I been trying to access the website for a few weeks and been unable to because the system keep asking me about which company I have a mortgage with, i select none even though some of the creditors listed I actually have a credit account with but i donot have a mortgage, I am a renter, so it denies access to my credit report every single time. On XX/XX/XXXX evening i was able to start an investigation on some of the items that I had been readied to my credit report and when i got to the end to hit submit the system gave a system error and I had to attempt to access the report again and then it denied access again. I had also sent in a written dispute on XX/XX/XXXX by certified mail which shows it was picked up and signed for but i have yet to receive an email from Equifax acknowledging the receipt as it had been done in the past.

Company response to consumer: Closed with explanation