vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 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: HCFS Healthcare Financial Services of TeamHealth
State: CO

Complaint narrative:
MY NAME IS XXXX XXXX  ( XXXX  ) I HAVE BEEN PLACED IN COLLECTIONS WITH XXXX XXXX   FOR A MEDICAL DEBT FOR MY DAUGHTER XXXX XXXX XXXX DATE OF BIRTH XX/XX/XXXX WHO WAS COVERED UNDER MEDICAID FOR DATE OF SERVICE XX/XX/XXXX. I HAVE SENT EVERY DOCUMENT AVAIL INCLUDING LETTER OF ELIGIBILITY SHOWING SHE WAS COVERED ON THIS DATE AND THEY WILL NOT REMOVE FROM COLLECTIONS OR DELETE FROM MY CREDIT WHICH IS OUT OF COMPLIANCE. I NEVER RECIEVED NOTIFICATION OF THE BILL OR BEING PLACED IN COLLECTIONS. I JUST WANT THIS REMOVED AND MY STATUS UPDATED WITH THE CREDIT COMPANIES AS I AM NOT LIABLE FOR THIS DEBT.ORIGIONAL DEBT IS WITH REGIOGAL MEDICAL LAB IN XXXX OKLAHOMA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BlueChip Financial
State: WA

Complaint narrative:
On XX/XX/XXXX I filed a complaint against XXXX as I was reciving threatning calls from the debt company they sold my supposed debt to. I was contacted by XXXX on XX/XX/XXXX by XXXX XXXX a debt credit manager stating they were in the process of buying the debt back and marking it as paid in full, I still have all emails. Here we are XX/XX/XXXX and I just recived a email from XXXX XXXX XXXX XXXX stating I must pay half of the orgional debt of XXXX. Now spotloan has told me multiple times this account is marked paid in full and closed. But yet they tend to try and sell my loan every few years now. This is harassment and is affecting my life at work and home.

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 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2017, XXXX charged my credit card promising the creation of a Brand Of products to be sold online, especially on XXXX. The couching sessions, bonuses, and other promises never materialized. 
Attached you will find documentations showing my repeated attempts to get the money refunded and the FTC suit against the XXXX XXXX. 
BARCLAYS bank claims that since I paid the balance in full, I can no longer claim a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My son was cyber hacked some how and charges started showing up on his credit cards and when we got those to stop the hit his bank account several times for thousands of dollars over the next week and a half

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$500.00}. I wrote a letter and mailed it certified delivery to Capio Partners LLC and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

It is now over the 30 day time frame since the mailing of my request to Capio Partners LLC on XX/XX/2018. This company is in violation, they are out of compliance. Under advise, I wish to informed Capio Partners LLC that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I received an alert that a collection was placed on my credit report by Diversified Consultants. Back in XXXX of 2018 I completed a fraud affidavit for a collection account from XXXX that did not belong to me. XX/XX/2018 the collection was removed and closed. Now this collection agency Diversified Consultants has placed the same collection back on my reports damaging my credit. I have already taken care of this and followed all proper channels and now this collection agency has placed this same unverified account back on my reports. They are damaging my credit and defaming my character. My next step will be to sue these collection agencies because they are using illegal tactics to try and get consumers to pay collections that they clearly do NOT own or can not properly verify according to the FDCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 I booked a car rental through Chase Sapphire Ultimate Rewards program. In this transaction I booked a car rental through XXXX  for which XXXX points were redeemed. I received an email confirmation stating that the booking had taken place, and that {$0.00} would be charged to my card. I can provide the email as needed. 

On XX/XX/XXXX Chase charged for this transaction vs applying more rewards. 

Shortly there after I called chase to notify them the charge was incorrect being as the transaction was completed using miles, at which point I provided Chase with a copy of the email, the date, the confirmation date etc. 

After several months I received notification from Chase that they could determine the charge was incorrect and that XXXX had provided them with confirmation. At no point did they actually look at their own internal records to see that reward points were used, instead the moved the situation along under the premise that I was disputing the charge from XXXX rather than I was disputing that Chase had not applied the reward points. 

I filed a complaint with the better business bureau on XX/XX/18 which was forwarded on to Chase. Yesterday XX/XX/XXXX I received an email from Chase stating they looked into the matter and came to the same result stating XXXX had shown proof of the charge vs. applying the reward points. 

XXXX I contacted the Chase rep to notify them of my frustration, and let them know I would be submitting to CFPB, and would also be seeking legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
repeated calls multiple times a day from various phone numbers If I answer, they say nothing. If I don't answer, they don't leave a message. I have called back and the name is National Credit Adjusters. I have no knowledge of this company except that they are harassing me with their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I have no idea who Receivable Performance Management is or  who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Receivable Performance Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Receivable Performance Management as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Receivable Performance Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is claiming I owe over {$70000.00} for a XXXX  certificate when the colleges records state {$30000.00} in federal student loans were used for that certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A business bank account and credit card were opened under an LLC at JP Morgan Chase Bank in XX/XX/XXXX. At the time of opening, I had been given paperwork with lots of fine print. I specifically asked the banker if I was signing a personal guarantee on the credit card. Her response was " No it's not a personal guarantee. This is just standard procedure '' The card was handled as such, as a business card, and the business unfortunately had lost some money the following year. Because some payments were missed, I got a call from a collection agency in XX/XX/XXXX in which the creditor told me I had indeed signed a personal guarantee on the card. I was shocked because I was given the wrong information by the Chase banker who opened this account! The account balance was $ XXXX and was paid off for less than the balance and was closed during that phone call in XX/XX/XXXX. Unfortunately, this is on my personal credit report with all 3 bureaus and I am desperately trying to get it taken off. I called Chase and they said if it's their mistake they will take it off, but they need a letter from the opening branch. I went to the opening branch and they said they can't write a letter because Chase protocol does not allow letters. Instead Chase Bank submitted an internal complaint, where it seems to have stalled. I am submitting this complaint with the Consumer Financial Protection Bureau because 1 ) I was given the completely wrong information by Chase bank 2 ) Seems Chase bankers all have different conflicting information on how to handle this issue 3 ) because this account should be 100 % taken off my personal credit report! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am trying to sell and close on my property and and contacted Loan Care for my payoff. I contacted them as well as the title company on XX/XX/2018. It is not XX/XX/2018 and they still have not provided the payoff information and after numerous attempts in contacting I keep getting the run around and no one seems to know why they can not generate the payoff information. Every person I speak to at Loan Care seems oblivious to the process and provides various answers as to why they do not have the payoff. I have already missed one closing date on a cash sale and about to lose another because of their incompetence. I have never had such a hard time requesting a payoff from a loan provider.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Ditech Financial LLC
State: MI

Complaint narrative:
I called with my new mortgage provider about a month ago to get a letter that shows the loan as closed and they said I would get a letter within 10 days. I never received the letter. I called again on XX/XX/2018 at XXXX and they said I would received the letter within 72 hours. I still have not received the letter. 

I just spoke with my lender and it was suggested that I file a complaint and then call them again. 

This is going to hold up getting my mortgage finalized and I need the letter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had an XXXXXXXX XXXX on XX/XX/XXXX and set up a payment to be made towards Capital One automatically for my payment due date of XX/XX/XXXX of {$500.00}. This was made through their automated system. The payment was not made as it was requested and in XXXX had realized this, now making my XXXX payment 30 days past due. This mistake on Capital One 's part has affected my credit in such a negative was that it has dropped my score where I can no longer apply for certain things like a home refinance or other credit cards. I went ahead and made my payment again by phone to be deducted that day, where it was finally drafted as requested. But I still have a derogatory mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
I have received a copy of my credit report and there is a debt listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/17. I did not attempt to open any accounts with XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX requesting the correct Name and Address on my credit file be Updated. and the removal of any other names and addresses to be removed due that they are not deliverable to me by the U.S. post office and they are not reportable to the FCRA, since they are inaccurate. Equifax stated that they cant remove the address or correct my name on my file. this is an issue that I've tried to fix without it coming to me filing a complaint on XXXX XXXX XXXX XXXX, XXXX. I'd received a letter stating Address XXXX XXXX XXXX XXXX XXXX ill XXXX was removed, which I will upload with this complaint, But I'm still seeing this address on my file as of today XX/XX/2018. I spoken to Equifax on todays date and the representative stated its still on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CA

Complaint narrative:
Last XX/XX/XXXX, I contacted US BANK by faxing them a letter, a copy of my FTC ID THEFT REPORT and temporary police report. I dis this to report to US BANK the fraud charges that was applied to my account. I would like to call the attention of the CFPB to report US BANK 'S VIOLATION and call their attention to take action and delete the account from my credit file. This is what I stated on my police report and FTC report : " I am a victim of IDENTITY THEFT. I have a US BANK SECURED CREDIT CARDaccount # XXXX. Opened XX/XX/XXXX with $ XXXX limit. I made some charges on this card for approx {$1800.00}. I've made payments on this account and US Bank accepted my payment. Aer accepting the payment, they pulled/withdrew another {$1800.00} odd from my account! 
I disputed the UNAUTHORIZED TRANSACTION and they returned the money the took from me, but US BANK still gave me double balance which is now showing on my credit report. The reported balance in invalid and UNAUTHORIZED and some used my account or personal information to put those unauthorized transactions /amount balance on my account. Everything amount I owed US bank Has been paid off! Whatever amount they are reporting is unauthorized and fraudulent! ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
XX/XX/2018 XXXX XXXX Recurring Payment of {$80.00} dollars for a year on the XXXX of each month I called XXXX XXXX 7 times to try and get in contact with a supervisor because my payment was being regarded as late because Heartland told me my credit card was failing and to contact my bank. I called XXXX twice and they let me know the problem is on their end. 

I still can't get in touch with a supervisor and they can't credit or freeze my account to eliminate the late payment according to 3 different CSR 's. I do not know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
Hello, in XX/XX/XXXX & XX/XX/2017, I had a 60 & 90 day late balance of my credit card ( XXXX XXXX Card ). I was XXXX at the time, and never received and notification of billing or late debt despite leaving my forwarding address with my homestation 's post office. I received no billing, and noticed a massive drop in my credit score in XX/XX/2017, where I then investigated, paid the debt, and followed up with my post office. I did everything I knew to do in order to receive my mail/bills, but was in a XXXX environment and was never made aware of any debt or late payments. It's been over a year and it still isn't back to where it was. I'm interested in purchasing property and my credit score will affect my interest rate for a loan. I was interested to see if there are any options available to remove this negative impact to my credit score. Thank you for your time today.

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