vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
We actually have 2 accounts with this company since the largest is medical I am filing this under medical. I will file the other one on its own. The doctor office changed the insurance on 3 of our 4 family members. It overlooked doing so on my daughter. When we discovered the issue. We provided the current medical information multiple times, but it was never fixed. This in part was caused by me having a XXXX and struggling to communicate, but I did give them the new card. 

The bill was refereed to XXXX XXXX XXXX in Colorado XXXX CO. Here is their contact information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. The insurance company offered to pay us if we paid the contracted amount due to the medical provider. XXXX XXXX XXXX rejected this idea wanting the higher amount due uninsured people rather than those covered by public assistance as our children are since they receive Social Security survivor benefits as well as private insurance. They also where demanding interest on the higher amount. In effect, they where seeking extra profit they where not legally entitled to receive. 

Instead of negotiating in good faith they choose to serve my Dad with legal papers informing him of the debt, that they where suing us, and revealing confidential medical information about our daughter. They would appear to have violated the Fair Credit Act and HIPPA in providing these written documents to my father. They had previously threatened to sue me personally but serving my father with documents related to a suite against my wife is outrageous. They informed the court they served me, but my time cards show I was at work at the time. They clearly served my dad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: AZ

Complaint narrative:
American Financial took two payments from us during transfer of mortgage to XXXX. They sent one payment to the new mortgage but not the second. We have tried numerous times to resolve this between both companies. Sending bank statements of payments, email confirmations of payments with no resolve. Numerous hrs on the phone explaining this story to several people and our money is still missing.payments made to American Financial on XX/XX/XXXX and XX/XX/XXXX. First payment finally transferred to XXXX on XX/XX/XXXX. Second payment American Financial admitted to sending back to themselves instead of sending to XXXX. They refuse to solve this matter and both companies are not communicating with each other. Our money is gone from our account and had not been applied to our account for monthly payment of mortgage. American Financial should never have taken our payment if they transferred us without proper notification.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have had an American Express card since XXXX. I upgraded from green to gold a few decades ago and from gold to platinum a few years ago. On XXXX, I was assessed annual membership fees of {$720.00} ( {$550.00} for me + {$170.00} for my wife 's card ). This fee is assessed IN ADVANCE. I decided to close the account. It took me a few weeks to transfer several regular, automatic monthly payments from this card to another credit card. Having completed that, I called AmExp today to cancel my card. They will not refund any portion of the {$720.00} membership fee THAT I PAID IN ADVANCE. They offered to downgrade me to a less expensive card ( green card - {$95.00} fee ) and to give me a credit for a portion of the {$720.00}. I do not want that. I want to close my account and receive a refund of the unused portion of the membership fee. On a per diem basis, I 've had the card from XXXX through XXXX, which is 39 days. {$720.00} divided by 365 days multiplied by 39 days equals {$77.00}, to which they may be entitled. I demanded a refund of {$640.00} XXXX {$720.00} I paid minus {$77.00} to which they may be entitled XXXX but was refused. Can you help me, please?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
i am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Total Finance AC LLC
State: IL

Complaint narrative:
My car was taken by city of XXXX i called my finance company many times on status updates with my vehicle a guy that originally handled my account i spoke with and he called trying to collect on a debt first time we spoke i started asking questions regarding my car and told him after repeated attemps to find out whats going on how can i continue to pay and know nothing about my vehicle when he then got closer to the phone and with a lower voice states thats not my problem that your car was taken very rusely so i asked for a manager and which he refused to pass me to one so i hung up and called back repeated time which i was then ignored so i waited a few days and called again they said they will get a manager to call back which never happened and then the same employee called again trying to collect on the debt this time not verifying who he was speaking with jist told all my information to a 3rd party so i finally got in contact with a manager which said she was sorry etc and i told her i only want to spk with members of management which continued to not happen so then another guy called and with no recordi g statement no mini maranda warning which was also never done prior then has the same remark stated by first employee so i then vr he was a collector he said yes i vr he knew his fdcpa laws said yes then i pointed out everything he did wrong and cease and assisted all Communications and started to look for a attorney which i still am seeking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
In XXXX of XXXX, 1st Franklin Financial obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by 1st Franklin Financial. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for 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 2017-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
on XXXX XXXX, 2017, received a collection letter from Receivables Performance Management , LLC,, trying to collect {$2000.00} for my debt..I did not contact RPM because it was in dispute.. The XXXX Georgia BBB settled {$880.00} on this account because I was charged anyway after I was cancelled..I did not pay the {$2000.00} because I did not know the correct amount or whether the {$880.00} was ever deducted. 

RPM, LLC. XXXX XXXX. XXXX XXXX, XXXX, WA XXXX XXXX Office Hours M-F XXXX ; XXXX XXXX to XXXX XXXX Pacific time Sat - XXXX XXXX to XXXX : XXXX PT Thank you.

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 2017-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, I sent Designed Receivable Solutions collection agency a letter asking for a breakdown of interest charges. 

The original debt sent to me XX/XX/XXXX was for {$7700.00}. A breakdown was provided of said debt to this amount along with almost double the cost in interest charges with a grand total of over {$12000.00}. 

Since I ran my credit and I initially contacted this collection agency request for verification in XX/XX/XXXX, this agency has intentionally flagged my credit by increasing said debt weekly with zero explanation as to how this amount is charged. 

It raises red flags because the various amounts range from {$2.00} to {$22.00}. Each week there is a different dollar amount added and each month the total is different. This agency even decreased the amount by {$11.00}. 

They even reported to XXXX that I refinanced/renewed this account which is untrue. 

It amazes me how this company can find time to trigger my credit report weekly but can not find time to respond and when I question the interest on said debt, I receive no response. 

This company is ruining my credit and I want this debt removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I was notified by XXXX that someone was attempting to open a XXXX XXXX account and a XXXX account in my name. XXXX stopped it, but the criminal apparently opened a bank account in my name and has bounced checks in my name. The original credit grantor AND their collection agency have been provided proof of the identity theft. 

On XX/XX/XXXX, they BOTH, in writing, promised to remove this account from my name and credit report, yet I received a letter today ( XX/XX/XXXX ) that is dated XX/XX/XXXX, that boasts that they are still reporting this fraudulent account on my credit report. 

They have been provided proof, they accepted that proof, they promised to follow the FCA and remove the fraudulent information, and are now willfully breaking the laws that are in place to protect consumers by continuing to report what they know to be a fraudulent account on MY credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In XXXX of XXXX, XXXX XXXX XXXX obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by XXXX XXXX XXXX. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
this is the 7 th time my card has been compromised, XXXX XXXX, We 're letting you know your card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account and as always, you are not liable for fraudulent transactions when reported promptly. However, as a precaution, we 're issuing you a new card which will arrive soon.
You may continue to use your current card until your new card arrives. Once you receive your new card, the old one will no longer be valid. Please activate your new card as soon as you receive it. Keep in mind, your current credit card will deactivate on XXXX. 

This happens every 6 months are or so. This causes me great inconvenience, I have not had this issue any other card.

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 2017-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
I have attempted to contact the company to get this removed with no success..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: AZ

Complaint narrative:
This is a bill from a doctor who claims I owe, I disagree. I am requesting an investigation with dates, charges, procedures, insurance notification and insurance charges both, and what this bill is for. I have not been sent a bill, therefore this needs to be cleared and off my credit report because it is causing my score to be lower than it should be, and also getting denied from creditors, plus the only collection on my report. 

Also, in the state of Arizona, where I reside, the statue of limitation is 5 yrs. and this has been on my credit report at least six ( 6 ) years or more. I have disputed this with the Credit Departments with no avail and in hopes you will help me out on this. All they have said is the consumer does not agree and wo n't remove it from my credit report. 

Your attention to this matter will be appreciated and hopefully successful. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: NY

Complaint narrative:
I just received the results of a dispute I had put in with experian credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX ... ..XXXX ... ..and tXXXX XXXX XXXX XXXX do not belong on my credit report. I have uploaded proof that XXXX had done there investigation and it was confirmed to remove these accounts off my credit report. However experian I feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my experian credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and experian will not remove them. I am submitting this complaint about experian because they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and experian will not allow me to do so. This is my right to have correct information reporting on my credit 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 2017-11-04 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: NY

Complaint narrative:
I just received the results of a dispute I had put in withXX/XX/XXXX credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XX/XX/XXXX ... ..XX/XX/XXXX ..and XX/XX/XXXX do not belong on my credit report. I have uploaded proof that equifax had done there investigation and it was confirmed to remove these accounts off my credit report. However XX/XX/XXXXI feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my XX/XX/XXXX credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and XX/XX/XXXXwill not remove them. I am submitting this complaint about XX/XX/XXXXbecause they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and XX/XX/XXXXwill not allow me to do so. This is my right to have correct information reporting on my credit 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 2017-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Northern Trust Company, The
State: KY

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was fraudulently accessed and personal data was changed. Once the data was changed, the fraudster than proceeded to make a {$60000.00} disbursement from the account ( basically draining the XXXX account ) and had the money wire transferred. The ACH transfer went through XXXX XXXX in XXXX, XXXX to a XXXX XXXX account in XXXX. The XXXX management firm, a company called XXXX XXXX [ Post Office Box XXXX XXXXXXXX XXXX XXXX ; phone XXXX ] WILL NOT provide me documentation of the chronology of the fraud related activity ( basically the details from the time the fraudster accessed my account to the time the money was moved ). XXXX XXXX will not provide any documentation, nor will they work with XXXX XXXX or XXXX XXXX to obtain the details of the fraud. The fraudster also used a XXXX XXXX : mail address, which they refuse to investigate. My expectation of XXXX XXXX is as follow : - Timeline of the account access ( screen shots from their systems showing when the attempted access started, how the fraudster got in etc ) - Timeline of how the personal data was changed and than the activity on how disbursement of the money occurred - Phone records of Alight employees who XXXX have interacted with the fraudster - XXXX XXXX has the Computer XXXX address of the fraudster and the XXXX : mail address ( it a XXXX address ) of who changed my personal data in the account This is just a small segment of the documented material I am entitled to. I want system screen shots and other documents from XXXX. I just do n't want a document just typed up detailing what happened. I have done more investigatory work than Alight ( or XXXX XXXX XXXX has done )

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 2017-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have complained several times because of this Navient. They are the biggest criminals out there period!!! 

After complaining about payment distribution troubles and unknown charges and having made so many payments in the last years and principal balance not going down they said I need to make larger payments. 
So after hearing this I decided to have my family help me and I made a payments last month for XXXX dollars then XXXX dollars a few days ago XXXX dollars. Having said that, Navient has realised that I am making larger payments so they decided delaying the payment processing on purpose. When I was making my payment a few days ago my balance was XXXX dollars less. Because of this delay now its more as you can imagine so they are delaying the processing so that more money of my payment goes towards interest. There is no reason why payments made electronically should be delayed for several days XXXX days to post those XXXX days cost me money in interest everytime. I have made a payment on tuesday today is saturday my payment has still not posted i have checked everything with my bank and all is ok it seems that it is just them delaying it. Besides that i have always made payments the same way though the same bank and have never had trouble before so dont know who or why my payments are delayed suddenly now after i am making larger payments. I have talked to Navient and they said that it sometimes takes a longer time to post payments and they cant control that. I was told they cant do anything which is incorrect and my according to my attorney they can not do that. I have a credit card with citi when I make a payment through my bank online it applies immediately. Why does Navient not have something like that and if not fine but then at least give me a credit back for the days it took you to process my payments because you can imagine how quickly this business can start to earn money imagine if they only took a dollar per delay to how much that adds up to. If they are truly that what they claim they are and if they want to help students pay off their student loans faster then dont take money from students. Shame on you!!! This is just one example of the so called micro-theft you do to students thinking people are stupid they will not realise when you take a few bucks from them. So sad.

Company response to consumer: Closed with explanation