vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc
State: WA

Complaint narrative:
I received a notice of debt from PSC regarding medical services provided by XXXX XXXX XXXX. I was shocked to see a collection notice as I never received a normal bill from them prior to that. I have disputed these charges through an online service that routed to the main credit bureaus for dispute but never heard from a response from PSC. 

Finally, I sent a certified letter on XX/XX/2020 requesting a correction of their charges as the doctor only saw me for 3 minutes in a bed temporarily in the hallway as the hospital was busy during my visit and even the medical provider spent a quarter or half an hour, {$500.00} is excessive. To my surprise, their response was a statement of account. 

This is not an acceptable response from PSC or XXXX XXXX XXXX as the billing practices are excessive and abusive. If they adjust their bill accordingly or even had the decency to explain their variance, I would have been more than happy to resolve this matter. 

XXXX XXXX XXXX 's attempt to collect excessive charges over actual across state lines from my insurance carriers constitutes insurance fraud and these practices should be further investigated. 

( 1 ) Puget Sound Collections is in violation of the FDCPA 's section 807 by providing a statement of account instead of an answer to excessive billing practices as a response to a dispute.

( 2 ) Because of this, Puget Sound Collections is also in violation of the FDCPA 's section 809 subsection ( b ) for improperly attempting to validate the debt and not directly addressing the erroneous and excessive billing amount.

( 3 ) Puget Sound failed to respond within the 5 day period as stated by the FDCPA 's section 809 subsection ( a ). Please see attachments confirming the dispute letter was sent on XX/XX/2020 and their response was 36 days later on XX/XX/2020. 

The FDCPA does allow a consumer to recover up to {$1000.00} per violation

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 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My servicer is United Wholesale Mortgage. I submitted a request for 180 days forbearance following requirements from SEC. 4022 of HR 748 ( aka Cares Act ) signed into law on XX/XX/2020. Under the law, the servicer must provide for forbearance up to 180 days unless REQUESTED to be shortened by borrower. I did NOT request a shorter forbearance timeframe. UWM said they are only granting 90 days in spite of the fact that that law specifically provides for 180 days. UWM is NOT following the provisions of the law as detailed. I have contact UWM 3 times and requested that they follow the law and grant me the 180 day forbearance provide by HR748. They have refused to do so with no just reason other than they are choosing to shorten the time to 90 days as a matter of process on their own choosing even though I, the borrower and not requesting them to do so. 

UWM is in direct violation of HR 748 as a servicer for federally back ( XXXX XXXX ) mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX XXXX  ( Orig. Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses on my report corrected, this is a violation of my consumer protection rights.

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 2020-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2020 I asked the court if they provide bankruptcy information to the credit bureau 's. 
XX/XX/2020 I got a letter from the bankruptcy court acknowledging they do not. 
XX/XX/2020 I requested a security freeze on my XXXX XXXX Credit Report XX/XX/2020 I sent dispute letters to ALL three credit bureaus including the letter from the court saying they do not report to the credit bureaus. 
XX/XX/2020 XXXX  removed the bankruptcy ( which by the way was actual identity theft and was reported as such ). 
XX/XX/2020 received a confirmation from XXXX XXXX that the bankruptcy was removed from my report XX/XX/2020 I disputed the bankruptcy again with XXXX  XX/XX/2020 received a notice from EXPERIAN saying my bankruptcy was verified XX/XX/2020 sent another dispute to Experian disputing my bankruptcy and I have not heard one work and it has not been removed from my account. 
XX/XX/2020 I received a letter from XXXX  saying the bankruptcy was verified with XXXX  XXXX which is not true. 

Both Experian and XXXX  are reporting information they did not verify. XXXX  did try to verify and sent a letter that they were unable to verify with XXXX XXXX and they did the right thing and removed this account. 

Please help me get this resolved with both XXXX  and Experian. I can send in all letter and proof from the courts and 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 2020-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
On XXXX/XXXX/XXXX, I received a phone from my Auto car company, Kia Finance. Long story short, I requested a Cease & Desist. They proceeded to call me 18 times, from XXXX, 3 times a day. My first complaint for F.D.C.P.A. Violations, Harassment & Abuse. The first call on XX/XX/XXXX  at XXXX XXXX, violated the C & D request. The 17 calls that followed violated Section 806 Harassment & Abuse under the F.D.C.P.A.. I sent a demand for payment & in the letter, I stated would like to resolve this without getting my Attorney or the C.F.P.B. involved, to no avail. I was advised by an Attorney here in XXXX XXXX that Kia Finance does not fall under Federal guidelines for collections abuse. So they have just do what they want. when they want??, how is that even possible. They are a Creditor & should follow the guidelines set forth as all other Creditors do. I have the backup documentation if required. U.S.P.O. receipt showing delivery, the green card, I sent it certified receipt requested, stamped by Kia. I have received 2 letters from Kia, both acknowledging my XXXX & XXXX The first letter dates XX/XX/20. The very next date after I took the 18th call from them on XX/XX/20 at XXXX XXXX. The rep I spoke with apparently knew what he was doing because the letter is dated the very next day. Still the cat was out of the bag so they say since my C & D was requested on XX/XX/20. I am looking for compensation for violations stated above under the F.D.C.P.A. My account was current on XX/XX/20, just 3 day 's pass due & is now & will remain in a current 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 2020-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XXXX Navient advised me via email that my interest only payment plan would end with my payment of {$82.00} on XXXX. Accordingly on XXXX, I called Navient to set up a renewal of the plan or a lower payment plan, given the economic realities resulting from the COVID-19 pandemic. However, Navient told me I needed to call after the XXXX of XXXX, because Navient could not do anything regarding my payments until the XXXX payment was completed. The following is the timeline of events : 1.  XXXX : Completed auto payment of {$82.00} from my account. 
2. XXXX : I called Navient and applied for what the representative told me would be an interest and principal payment of {$100.00} for 6 months. 
3. XXXX : Navient approves my application and emails a letter ; however, the letter states that the {$100.00} payment is for interest only and it contains the following info : Late Fee : {$0.00} - Repayment Fee : {$0.00} - Returned Item ( NSF ) Fee : {$0.00}. This conduct amounts to violations of the Truth in Lending Act, misleading information, and deceiving practices. 
4. XXXX : Navient sends me a statement showing that I have a past due amount of {$26.00} and a balance due of {$230.00}. This conduct amounts to violations of the Truth in Lending Act, surprise late fees, misleading information, and deceiving practices. 
5. XXXX : I called Navient to explain that it had made an obvious mistake as my auto payment of {$82.00} was indeed completed and as such I could not possibly have an amount due. To my surprise, I was automatically forwarded to collections! I talked to 1 representative and 2 managers to no avail. Navient 's response was limited to saying " You are in collections because you have an amount due and we will send a request to research the matter. '' I requested a number or some confirmation that in fact that would be done and asked when could I expect a response. Navient 's kept the past due amount posted in its system and had no explanation as to how that due amount reconciles with my next payment per the plan approved XXXX. Again, both managers refused to provide me with answers, stating simply that neither of them could do anything about my problem. This conduct amounts to violations of the Truth in Lending Act, surprise late fees, misleading information, and deceiving practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 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: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I contacted Citibank about several unrecognized charges that appeared on my online account and billing statements. In XX/XX/XXXX, I disputed a charge for {$99.00} travel charge I did not remember purchasing. At the time of the dispute I did not recognize the merchant. The bank said it gave me a provisional credit, but that credit did not appear on my XXXX statement. However, a reversal did appear on my XXXX statement posted on XX/XX/XXXX, but 30 days after I filed the dispute. 

The bank never sent any correspondence about the dispute, the provisional credit or the reversal of the charges. The charges just appear on my statement. The issue is that I searched Both the XXXX and XXXX statements and could not find a credit. Finally, looked on the website to look at previous statements and found a " provisional credit '' that on the XXXX statement dated XX/XX/XXXX. However, if the bank had actually provided a credit on my account posting on XX/XX/XXXX, that credit should have appeared on my XXXX billing statement for the period between XX/XX/XXXX - XX/XX/XXXX. 

I have had ongoing issues related to unrecognized charged on my statement. Citibank is making matter worse by having incorrect accounting procedures, incorrect billing procedures, or erroneous internal coding causing double charges to appear in my account balance. 

I have included the statement for the period between XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, you will notice that a " provisional credit '' appears on a statement for which it does not make sense with respect to the date I made the dispute and the statement for which it appears. 

Further, I now see two other charges that did not originally appear on the XXXX statement for the same merchant. There are two {$16.00} charges for travel insurance on XX/XX/XXXX and XX/XX/XXXX, respectively. However, those two tickets were purchased with XXXX XXXX miles and I would not have needed to purchase travel insurance for that type of travel. I have been an XXXX XXXX XXXX member since XXXX and I have had this Citi Advantage card since at least XXXX and I have never purchased travel insurance for a ticket purchased with miles. There is no need to do that! 

When I look at the statements online, I all can see is two charges on XX/XX/XXXX for {$99.00} and a credit that did not appear on the original statement.

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 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-04-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA reduced my overall available credit significantly then subsequently closed my account. They denied a subsequent application for a similar account stating that I had recently applied for too many accounts. 

Review my application and reassess decision based on CREDITWORTHINESS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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