vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Van Ru Credit Corporation
State: MD

Complaint narrative:
I had an outstanding balance for a medical bill in the amount of {$240.00} that went to collections in XXXX, XXXX. Van Ru Credit Corporation had obtained the debt and seeked payment. I began paying off the bill gradually with a final payment of {$70.00} made on XXXX XXXX, XXXX. Once I made the payment, I received no more letters and phone calls. On XXXX XXXX, XXXX at XXXX ET, I received a call from Van Ru Credit Corporation requesting a payment for the amount of {$70.00}. I repeatedly told the representative that the balance had been paid in full with a Confirmation Numbrer verifying the payment made. The representative had then begun to harass me, completely ignoring that I had mentioned numerous times that I had made the payment. She then completely gave up and transferred me to a Supervisor who then seeked payment for the balance owed. I told the Supervisor 5 Times that I had made the payment and have a confirmation number. The supervisor kept over-talking me every time I said I made the payment. I then told the Supervisor either you accept the Confirmation Number or this call will end. I then gave the Supervisor the Confirmation Number and the call ended. On Friday XXXX XXXX, XXXX between XXXX and XXXX, Van Ru Credit Corporation called me repeatedly 4 Times. I then called them only to talk to another representative. I told her I made a Payment to bring the account Paid in Full with a Confirmation Number. The representative kept saying I still owe the money as she could n't find a confirmation number in my record and that I must pay it or the calls will not end. I asked the representative by request a Letter validating the remaining balance owed of {$70.00} and she kept ignoring my request and persisted in requesting a payment to be made. I then told the representative that By Law, I am allowed to request a letter in writing verifying and validating the debt owed to Van Ru Credit Corporation. The representative decided to say that a letter will be sent. I asked how long it will take to receive the letter? The representative said " When I get around to it, you will get it. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation
State: TX

Complaint narrative:
Performant Financial at XXXX has contacted me repeatedly ( three calls today XX/XX/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
Dear Representative, Have requested Mortgage Servicer to correct mailing address several times during the year. Missing monthly statements. Also, requested information on modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I have never had an XXXX account.

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 2016-08-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Hello- I am contacting CFPB to file a complaint concerning my experience with Suntrust Bank XXXX I opened a checking and savings accounts there XX/XX/XXXX and when doing so I was promised a {$250.00} promotion if I met the criteria. 

As of XXXX XXXX my personal banker, XXXX XXXX, assured me that I did meet the criteria and that I would receive the full amount by XXXX XXXX. I have attached a screen shot of that email conversation. 

On XXXX XXXX, I called the bank which informed me my banker no longer worked there and that I would need to contact Suntrust customer service. After speaking to multiple representatives, I was eventually sent to a supervisor, XXXX XXXX. I forwarded her emails from that stated instructions from XXXX XXXX to obtain the promotion. I also forwarded her the emails that I have attached screenshots of here. After our conversation, XXXX XXXX told me she would open the case and that Suntrust would get back to me within 3 to 5 business days. 

I emailed her XXXX XXXX and XXXX XXXX requesting an answer. I have called the Suntrust XXXX, TN branch several times and left voicemails only to receive no call back. 

Today, XXXX XXXX, I called Suntrust customer service in hopes to get an answer concerning the {$250.00} I am waiting to receive. I eventually got in contact with a XXXX XXXX. She explained that they found that I did not qualify. After checking my account, I believe I do qualify. 

I am very disappointed in the customer service I have received. They have not taken the initiative to call me back or reply to my emails. They have also not honored the word of their employee who guaranteed me {$250.00}.

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 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Vantage Sourcing, LLC
State: AZ

Complaint narrative:
I received this email with an attachment which I do not want to open. They portray themselves as an employment agency with the title for their LLC as " sourcing and Support ''. This is false pretense & whoever approved the LLC name and nature of business should be fired. Also, there was no option for communication tactics that rules over email communication. I am not opening the attachment nor calling the numbers. I would like a cease filed on this company as email communication is a breach of security practices under the FDCPA privacy act. My laptop is connected to my work and now they can all see my personal information. I would like to know how they are able to communicate by email, they also do not state the fdcpa " this is an attempt to collect a debt.. '' '' '' Here is the body of the email but I am not opening the attachment to copy that and I do n't see a way to attach it. Nor did I give anyone permission from Vantage for email communication. 

" Dear XXXX XXXX, In the interest of getting this notice to you as quickly as possible, we thought you would appreciate receiving it in an email. Our records indicate that we have your permission to communicate with you at this email address. 
If you are not XXXX XXXX, please click here or call us at ( XXXX ) XXXX to remove your email from our mailing list. 
If you are XXXX XXXX and you do not wish to communicate through email, please click here or call us at ( XXXX ) XXXX to receive no further email communications. 
To maintain security and for your protection, we have securely encrypted the attached document. To open the PDF attachment to this email, you will be asked to enter the last XXXX digits of your social security number as your password. We look forward to speaking to you soon at ( XXXX ) XXXX. 
Thank you, Vantage Sourcing Service & Support TeamPlease do not reply to this email, as it was sent from an unattended mailbox. 
CONFIDENTIALITY NOTE : The information transmitted, including attachments, is intended only for the person ( s ) or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this information. 
Get XXXX XXXX XXXX XXXX attachment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
I fulfilled my contract with XXXX and all my bills were paid and current when XXXX ported my number, over a year ago, to XXXX XXXX XXXX. XXXX always billed me XXXX month in advance and they personally ported number my number over to XXXX XXXX XXXX and said good-bye. It was at the end of billing cycle and they always billed XXXX month in advance. My account was in good standing and paid in full during that billing cycle. Approximately, 3 months later, they called me claiming I owed them {$100.00}. I told them about this and they claimed they would clear it up. Of course, that did n't happen and they called me several months later saying i owed this money to XXXX. I told them this was not the case so they threatened me to report to credit agency and they did. They continue calling on many different numbers. I have blocked so many of there calls that XXXX wo n't let me block anymore numbers. They call the house and then my cell phone at all hours of the day and night and on all kinds of numbers across the country with many different agents. They are rude and XXXX agent literally yells at me. Please end this and make them remove this from my credit. I was a great customer of XXXX for over 5 years and this is most distressing. I will never do business with them again nor will I not pay them money when I do not owe them any money and if you do n't believe me, just XXXX the Internet and you will find hundreds of other folks with this exact same problem with XXXX. Ps. They never mailed me any written documentation and they all have the wrong address. Please help me.

Company response to consumer: Closed
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Credit Karma, LLC
State: CA

Complaint narrative:
The issue is with Credit Karma. They are a 3rd party agency that gives out false information determines there own factors in credit scores and misrepresent the true score. My credit score changes with them almost daily and goes down even though there is no movement or nothing has changed on my credit report. These kinds of site should be put out of business for reporting false information and leading people to believe what they are reporting is true and accurate when it is not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Company not sending written communication. Address verified and email address verified. Claimed several documents were emailed and mailed XXXX yet I have not received anything but a dispute form to fill out to my email address. Missing documents include XXXX debit card, XXXX pin numbers, XXXX documents regarding the dispute ruling and status.

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 2016-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
A debt that has already been waived & credited on a utility bill, has been taken care of as of today- XXXX/XXXX/2016. This issue of what I DO NOT OWE has been put on DEBT COLLECTION thru Virtuoso is still on my credit report- I do n't owe a XXXX- I need this company to take this debt out of collections, this has been resolved as I say it again, has been credited & I need Virtuoso to correct my credit report NOW. XXXX balance is what is NOW.

Company response to consumer: Closed
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Torres Credit Services, Inc.
State: MD

Complaint narrative:
Pursuant to XXXX XXXX, the alleged account ( Torres Credit Services and XXXX XXXX XXXX, does not belong to me. I have continued to request for validation and verification but to no avail. This company is reporting an illegal debt on my files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I have been in " limbo '' now for 4 months with Fed Loan Servicing over the renewal of my IDR Plan ( PAYE ). I have been in the PAYE plan for roughly four years prior to this and while I did miss my re-certification date I did end up ( after XXXX applications ) finally getting one through that was in good standing to Fed Loan Servicing. I sent my online request for renewal for ( PAYE ) with an attached IRS document provided from the online service. 

I called in after receiving a letter stating I was approved for my IBR Plan confused as to why it was not PAYE. I was told by a servicing representative and a supervisor that I was indeed on PAYE for the past 4 years and they were not sure why it was placed into IBR. At one point they said the account was notated as the borrower having requested IBR that was proven false when my online application was pulled and I did indeed indicate that I wanted to " RENEW MY PREVIOUS PLAN '' - PAYE. 

I was told during the call above that the account would be looked into and my issue would be resolved. For reference my re cert date was XXXX of XXXX and it is now XXXX of XXXX. I informed the agent that I could not afford the $ XXXX+ payment monthly and that the reduced payment under PAYE was what I was able to afford and had been paying up until XXXX of XXXX. 

About three weeks later I had received no word back from Fed Loan Servicing and I had gotten a letter stating I was now ineligible for PAYE based on underlying loans in my consolidation and that is why they placed me on IBR. They then told me to go to REPAYE for a reduced payment but under REPAYE I will now have to wait an additional 5 years for loan forgiveness. I can not afford my IBR payment and feel penalized and miss informed. I was able to make my payments under PAYE for the last four years successfully and had minimal issues. Now due to miss information and bad handling of my account I am being penalized and forced to use Forbearance after Forbearance ( dating back to XXXX and capitalizing over {$7000.00} of interest ) to cover my payments while I wait for a decision to be made. 

I am not only submitting this complaint here I am also drafting a formal version to submit to PA Lawmakers and the Governor XXXX XXXX. At every stage of this process I have felt under informed and at a disadvantage from the time I was told to consolidate to qualify for the IDR programs to the moment I was told I am not longer to PAYE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VIRTUOSO SOURCING GROUP, LLC.
State: WI

Complaint narrative:
Virtuoso sourcing group called me on XX/XX/2015 and I told them the person they are looking for does not live at this number remove my number then they call again on the XXXX XXXX and I told them again to remove my number then they call on the XXXX XXXX and again today XXXX and I told them again to stop calling me and remove my number for the XXXX time

Company response to consumer: Closed
Consumer complaint received 2015-10-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
I opened a checking account with Suntrust Bank on XX/XX/XXXX with an opening deposit of ( I think ) {$100.00}. I never received a debit card. About 1 month later I received a letter apologizing for not sending a debit card and stating that an extra {$25.00} would be deposited to my account as a courtesy. I never received a debit card, never received more information from Suntrust, and could not open an online account without the card. 

XX/XX/XXXX I received a notice from Suntrust stating my account was overdrawn and that I owed {$7.00}. I had been charged a monthly fee of {$12.00} for 11 months. 

I called in on XX/XX/XXXX and was told that my account was now {$19.00} in arrears and that they could n't cancel the account unless I flew to a state with a physical branch and cancelled in person after paying what I owed. Finally they granted me credits for {$24.00} and said I needed to call again to have my account cancelled. 

I called on XX/XX/XXXX and spoke with a Supervisor named XXXX. XXXX stated that she could credit me an additional {$48.00} but that the system would n't allow her to credit me the full amount of my opening deposit. She said she would close my account the next day and I would receive a check for {$53.00} shortly. 

On XX/XX/XXXX I received a statement ( my first ) from Suntrust showing I was again assessed a {$12.00} fee on XX/XX/XXXX. 

On XX/XX/XXXX I called Suntrust again and was told my account was closed on XX/XX/XXXX after the fee was again assessed. There was no explanation for the processing delay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I got my Identity stolen, I have been reporting this over and over again. I know I did n't do some most of debt that is on my credit report. Like this one Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And this XXXX Creditor Contact Details CREDIT PLUS XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have never been to any of these business 's Then I told about this one months ago XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX RETURNED ITEM Status Open Opened Date Apr XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1800.00} High Balance {$1800.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Direct Dispute This is what they say I owe, I had my bank account robbed and now they say I owe it, It was a fraud. I reported it and I still get the bad credit. There is so much that i did n't do. 
Like this one also XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # XXXX {$100.00} Balance XXXX HOSPITAL Original Creditor {$100.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Responsibility Placed for collection Remarks Note I have medical and I did n't do this one. 
And this one XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$71.00} Balance XXXX XXXX Original Creditor {$71.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility -- Remarks Note I have medical. 
All of this showed up after I was robbed. I reported it but no one listens. I do not owe these things. I hope you all will listen. 


Account # XXXX {$26.00} Balance XXXX XXXX XXXX XXXX Original Creditor {$26.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Medical Remarks I know I did n't do any of these things. Thank you XXXX XXXX.

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 2016-06-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have a school loan through AES .. My college I attended XXXX XXXX in New York is where my loan originated .. Since the inception of my loan, the loan company has had the wrong date of birth on my loan including the promissary note from the loan. Still they have been paid by me, and have been speaking to me without knowing my identity for sure. My loan has been in a different date of birth yet they continue to seek info from me, and now that my loan is in status of going to collections from being unpaid, for medical reasons I could not pay, they refuse to even comment or speak to me about my loan, after I sent them my license 2 times to confirm my identity .. So now I can not secure a payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: TN

Complaint narrative:
The company provides me with misinformation every time I call regarding my account. My account information is never correct and I receive a different inaccurate reason for the failure of the account to be correct each time. Every time I am advised that the account will be corrected, but it has yet to be correct when I follow up. I was recently advised that I needed to make a physical payment since my direct debit was requested to be changed and that no direct debit would be withdrawn. However, both the physical payment ( {$820.00} ) and a direct debit ( {$630.00} ) were withdrawn. Furthermore, when I made the change to my direct debit amount, I did not authorize the direct debit amount that they withdrew but had made a request for the amount of my monthly installment to be withdrawn ( my monthly installment is supposed to be {$820.00} but on XXXX/XXXX/16 it stated my monthly installment was {$1.00} and yet {$630.00} was withdrawn ). I can not get accurate information regarding my account any time that I call to inquire. Further. when Fedloan servicing took over my account from XXXX, they did not transfer my loans as a full consolidation like XXXX had previously completed for me. Therefore an additional consolidation had to be created in order for them to be included in the public service loan forgiveness repayment option and the repayment plan is therefore extended on those particular loans. Accurate information is vital to being able to manage student loan repayments and this company lacks the resources and tact to do so. I will be escalating this as far as I need to to ensure that others do not have to endure this lack of professionalism in the future and to ensure that my issues have been rectified. 

The University XXXX XXXX XXXX XXXX XXXX, TN

Company response to consumer: Closed with explanation