vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: TX

Complaint narrative:
I previously filed a complaint onXX/XX/XXXX with this agency and an OCR complaint due to the company violating HIPPA. This original complaint was filed because on XX/XX/XXXX XXXX XXXX XXXX XXXX sent documentation of financial agreement form from the original creditor, which states a financial agreement between me and the hospital and an itemized billing statement with procedure codes and diagnosis information. After thoroughly reading the financial agreement section, it does not say anything about the hospital sending billing information or PHI to a third-party collector. I have never signed a HIPPA release form that stated they could have my PHI in the form of procedures, procedure codes and ultimately diagnosis information to any person or third-party collection agency. I have also never submitted a HIPPA form to XXXX XXXX XXXX XXXX XXXX  . I asked for validation of the debt, which did not require them to violate HIPPA and does not act as a HIPPA release form.

The company responded that their attorney stated they could have access to procedures and personal health information in order to collect a medical debt under the HIPAA " Treatment, Payment, and Health Care Operations Disclosures ''. Although after looking at this provision myself it does not say that a hospital or doctor 's office may send PHI to a third-party collector only to another covered health care entity or with expressed written permission from the patient. The HHS.gov website states, a covered entity may provide information without patient consent under the following circumstance, " A health care provider may disclose protected health information about an individual as part of a claim for payment to a health plan. '' XXXX XXXX XXXX is not a covered entity or a health plan under the definition of HHS. gov. So they never had permission either from me or through the statue that they claimed in their first response.

After submitting my claim to this agency as well as HHS.gov 's OCR division, I also filed a complaint with the State of Texas, because it seems that Global Receivables is not bonded in the State of Texas as a debt collector according to the Secretary of State 's website.

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 2018-03-15 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:
As of today, XX/XX/XXXX, XXXX Mortgage now doing business as XXXX XXXX, has not reported my payment history nor my current balance to the 3 major bureaus since last year XX/XX/XXXX. I have been with this company for 4 years now. I have called them numerous times and even have a case open with them. They tell me the same thing, every time, " Your case is being worked on, we are looking into it ''. I believe this to be a lie! XXXX was just ordered to pay {$1.00} XXXX in penalties, and they still have not corrected the issue the were penalized for.

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have notified TransUnion several times that my last name is being reported incorrectly. I send them a copy of my Drivers License, Social Security Card, and a Utility bill. So far they have refused to make the change on my file. Also I disputed two credit card accounts. The notation that they put on each of the accounts was just updated. They are in violation of the law. They did not put a statement on each of creditors listed below that these accounts are being disputed by the consumer. This is a clear violation of the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX  Attached is a copy of Credit report from TransUnion

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 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: NC

Complaint narrative:
XXXX XXXX calls twenty times a day. It doesnt matter the time. They left threatening legal actions on voicemail

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 2018-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I received checks from what I later learned was someone impersonating a person representing a foreign production company. I deposited the checks and because I was wary of them, asked the bank if they checked them. I was told a check was made that it was an account and that there was money. So when I saw the money available in my account I used it at the instructions of the supposed company that had sent it. Then on XX/XX/XXXX, I had suspicions about the company. I went to the police, who said until there was an actual crime they could not do anything. I tried calling Wells Fargo and XXXX XXXX is where I was instructed to send some funds. Neguard to bad checkseither bank had much interest in doing anything about my complaint yet. Then on XX/XX/XXXX the money was taken out of my accounts because the checks were bad. I went to a Wells Fargo branch- I was out of town working- to try and find out what I can do. The branch told me they don't actually check on the checks as they are deposited. So because I have a good account, they show the money in my account knowing they can take it back if it's bad. Using the customer as safeguard.

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 monetary relief
Consumer complaint received 2018-03-15 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: MD

Complaint narrative:
I have submitted my teacher loan forgiveness application five times to Navient for {$5000.00} of loan forgiveness and it keeps getting denied. Every time I call and speak to someone they give me false or conflicting information. The first time it was denied and the customer rep. told me to " click '' a box '' that I shouldn't haven't " clicked '' and the last time the person told me to update all of the dates on the application and it was denied again. Now this last time it was denied ( the 5th time ), they told me to have chief administrative officer write a letter stating that my service dates were true and accurate. He did this and they still denied it. I have worked at a low-income title one school in XXXX for 2 years and this is my 5th consecutive year at the XXXX XXXX in XXXX which also is a title one school. That equals 7 total years. I can provide pay stubs and XXXX tax forms that I have been working here. I believe they keep denying my application so that the funds are not forgiven. ( this is fraud ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unable to cancel my account from Experian. Signed up a year ago for their credit-monitoring service and am billed {$27.00} every month. The only way to cancel this service is by calling their phone help line. Every time I try to do this ( have tied over 20 times ), the wait time is " 2 hours, '' but then no one ever picks up. To test, I once left it on all day at work. No one ever picked up. 

This company is a complete scam, fraud and should be fined and forced to allow customers to easily cancel online. 

I've tried to block them through my bank, but each month, they bill under a slightly different name, so it's impossible to block them from charging 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 2018-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Zenith Financial Network Inc
State: TX

Complaint narrative:
XX/XX/XXXX, I contacted XXXX XXXX XXXX initially to discuss the amount owed and payment options and they advised they couldn't assist me because it had been turned over to collections. On today, XX/XX/XXXX, my husband received a phone call from Zenith Financial Network. He was not listed on my loan application nor was he authorized to speak on my behalf. They notified him that I owe on a payday loan, they gave the exact date from XX/XX/XXXX, how delinquent it is and the amount owed of {$1600.00}. They also tried to obtain payment from my husband during their call and attempted to initiate a settlement with him. The name of the collections company is Zenith Financial Network and their contact number is XXXX. It is my understanding that this is in violated of section 804 of the Fair Debt Collections Practice Act. It is my understanding that they are allowed to call and provide a 3rd party with their contact number or ask  how to reach me, but not to provide personal information in regards to my collections account. 

I also called Zenith Financial Network and advised my husband should have never been contacted. They replied, 'When he answered, he was able to identify your identity '. This is unacceptable practices, no one is authorized to speak on my behalf or to discuss the details of my account other than myself. 

The account is for myself, XXXX XXXX, but my husband XXXX XXXX was contacted and should NOT have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On both credit reports Equifax and XXXX  they show that I have accounts with XXXX XXXX XXXX and XXXX XXXX. I do not have accounts with them. I called XXXX  XXXX XXXX and XXXX XXXX they both said that they do not have any accounts with my Social Security Number. The partial account number listed on XXXX XXXX XXXX is # XXXX on both Equifax and XXXX. Partial account number listed on XXXX XXXX is # XXXX. 
This number is on both Equifax and XXXX. I have filled out the papers that both XXXX  and Equifax provide if you have issues with the reports. Told both Equifax and XXXX that these account are not my. To remove them immediately. I contacted the fraud departments of the bureaus. I have also informed the Federal Trade Commission and they said to contact you. Also filed a police report with XXXX, PA police department. Report number with them is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have had a Home Equity Loan with Wells Fargo Bank. I have made timely payments throughout the duration of this loan. Today I learned from a third party that my Home Equity Loan with Wells Fargo Bank has been converted to a home mortgage in the sum of {$220000.00} with a different account number. A recent home appraisal shows the present value of this home as {$230000.00}. Upon further scrutiny, the statement I have received from Wells Fargo for this month, payment due XX/XX/18, indicates a different loan number with payment being payable to Wells Fargo Home Mortgage instead of Wells Fargo Bank. Last month 's statement simply indicates the usual Home Equity Loan information, so this change by Wells Fargo was made quite recently. 

I have not applied for a home mortgage from Wells Fargo! I have not received any prior notice from Wells Fargo that my Home Equity Loan was being converted to a Mortgage! This conversion to a home mortgage was done by Wells Fargo without my knowledge, without my consent, without my signature, without lawful reason! I have no knowledge as to the terms of this Mortgage imposed upon me by Wells Fargo! 

I spoke to a Wells Fargo officer this morning asking how in the world Wells Fargo could have done this. He did not answer my question.

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 2018-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I initiated a dispute with XXXX  in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  placed a collection account on my XXXX  credit report amounting to {$220.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. XXXX XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead XXXX kept these accounts on my report. I initiated another dispute to XXXX in XX/XX/XXXXasking again for proper validation of this debt, but instead of verifying the debt, XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Retail Merchant Associates did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: MN

Complaint narrative:
I have put in disputes to TransUnion, XXXX and XXXX regarding 2 accounts from XXXX XXXX   that are too old and should be deleted from my credit reports. The information is incorrect and recently they updated the status without my permission and now it has reactivated an account that was paid in full and closed over 10 years ago. Also, I have an account with XXXX XXXX that was paid in full and closed by me that I asked to be deleted/removed and it also shows an update in XX/XX/XXXX. This account was to be deleted/removed in XXXX. XXXX XXXX has documented my accounts inaccurately. They said they changed the account to a shorter account number but kept reporting information under both the original account number and the new generated account when the first account was closed 10 years ago.

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 2018-03-15 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: MN

Complaint narrative:
I have put in disputes to XXXX, Experian and XXXX regarding 2 accounts from XXXX XXXX   that are too old and should be deleted from my credit reports. The information is incorrect and recently they updated the status without my permission and now it has reactivated an account that was paid in full and closed over 10 years ago. Also, I have an account with XXXX XXXX that was paid in full and closed by me that I asked to be deleted/removed and it also shows an update in XX/XX/XXXX. This account was to be deleted/removed in XXXX. XXXX XXXX has documented my accounts inaccurately. They said they changed the account to a shorter account number but kept reporting information under both the original account number and the new generated account when the first account was closed 10 years ago.

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 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
Credit Adjustments Inc. calls me numerous times every day at all hours for several years, will not state who they are trying to reach or what their calls are in reference to. They call from " dummy '' phone numbers that do not identify who they are, calls have a local ( XXXX, OH ) prefix. Credit Adjustments Inc. is in XXXX OH. They called me today from XXXX, a XXXX XXXX Ohio prefix. 

I do not have any debts other that normal debts such as house payment, auto loan, and 2 student loans that are current on payments. 

Old debts from a XX/XX/XXXXChapter XXXX Bankruptcy were discharged in XX/XX/XXXX after completing the plan. I have no idea if they are trying to collect on an old discharged debt. They refuse to say. 

I do not know if they are trying to collect an old debt because they refuse to say. They refuse to send written information as required by law after 5 days. This has been an ongoing problem for several years with these harassers. 

There is nothing on my credit reports to indicate the possible nature of their continued harassment. The one time I answered the phone and tried to get the woman to tell me who she was calling for and why, she refused unless I gave her my name and SS number which I of course did not do.

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 2018-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX HAS POSTED A COLLECTION ON MY CREDIT REPORT FOR {$4000.00} THAT DOES NOT BELONG TO ME ... I HAVE CONTACTED THEM SEVERAL TIMES ASKING TO REMOVE THIS FRAUDULENT COLLECTION FROM MY REPORT WITH NO LUCK.. AND INSTEAD OF VALIDATING THIS DEBT OR SENDING ME A COPY OF THE CONTRACT THAT MADE THEM THINK IT WAS MY COLLECTION THEY STARTED THEIR VERY AGGRESSIVE AND INSULTING COLLECTION CALLS TO MY CELL, WORK AND NOW RELATIVES ... THIS NEEDS TO STOP PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
I obtained a mortgage from Flagstar 3 years ago. We were initially told our PMI would be waived after 2 years, we are now in the final stages of the PMI waiver process. Our account has met all of the requirements, we just needed confirmation with a BPO that our home value has not decreased in the past 3 years. 

We had a BPO conducted in XX/XX/2017 and that BPO was facilitated by XXXX using a local broker that specializes in foreclosures. My concern about using brokers that specialize in foreclosures is that this will likely result in a lower assessment of a home, since they are basing their assessment on an home that has not been cared for and are in financial crisis. When our BPO came back, they had indicated that the value of our home had decreased by $ XXXX in 3 years. Considering that we had recently completed a remodel of over $ 100k and live in an area that was a hot real estate market, I was pretty confused. When I reviewed the BPO data, it was clear that they had based their assessment on false data. They compared our home to homes with few bedrooms, bathrooms, garage spaces, square footage, etc ... After bringing this to Flagstars attention, the broker updated the BPO and was still showing a decrease in value of $ XXXX. 

We provided properties that were an exact match to ours that were selling for well over what our original appraisal was. Over the last 7 months, I have made numerous phone calls, sent multiple letters and still have no resolution as to why the 3 properties I provided are not being used for the BPO. The only response I have been given is that the properties had been remodeled. 

Flagstar has access to all of the data. Pictures of our remodel. A written description from the Broker that completed the BPO indicated that we had our home remodeled with VERY EXPENSIVE upgrades. Flagstar also has the data referencing the amount of money we spent on our remodel since we used them for our loan. They also have our property tax information from the last 3 years showing our escrow continues to increase to pay our increasing property taxes because the home value continues to increase each year. Yet, Flagstar, XXXX and XXXX XXXX are unwilling to revise the BPO or provide any explanation as to why our home would not be comparable to the properties provided. Flagstar also appears unwilling to review and leverage all the data points they have that would clearly indicate our home has not decreased in value in order to waive the PMI.

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