vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: CA

Complaint narrative:
In XX/XX/2015 I went to the Emergency services at XXXX County Hospital to have an examantion of my hip after falling. I had xrays and consulation fromthe attending personal. I never saw a XXXX XXXX who put his name on my record. I had my XXXX card presented and a little later I got a notice that my Hospital had been paid by XXXX. Now just recently I had my credit report done and found a negative issue about an outstanding medical bill that was in collections. I went to the Hospital to investigate and found that my bills had been paid in full by XXXX. But there was one bill that was separate from their billing and it was from a XXXX XXXX. I found out that XXXX XXXX tired to bill my XXXX, but had waited to long in his request and XXXX refused to pay. Then he tried billing me at an incorrect address for the charges. As a results I never received any billing, because he was sending it to an address that I didn't live at. After never getting a repsonse from me her turned it over to a collection agency in turn reported it to my credit report as none payment. ( Paramount Recovery Systems out of Texas ) I reported my dispute with 2 Credit Reporting Agency ( XXXX  and XXXX ) and had the negative issue delete from my credit Report. 
I am waited for a response from XXXX  on my dispute. I would like this collection agency to stop reporting a negative issue on my credit. I feel it was not my problem that the Dr. failed to get his money, I sure XXXX would of paid his bill. In closing to the best of my knowlege I do not remember seeing this XXXX XXXX, and believe he tired to tack on his charges to my injury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Our Mortgage Company whom I have our Bank make our payments each month keeps adding on {$13.00} each month for over 3 yrs saying they have someone ride by our home to make sure our home is occupied,,,,,, ... .Now our question is if we are paying the mortgage payment each month on the 1st of each month - WHY would they have to do this? This is the craziest thing if you add that amount up for ONE year is {$150.00} that's one year this can not be legal. This {$150.00} a year should be for three years .... {$470.00}

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 2019-02-16 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: TX

Complaint narrative:
Was told on previous correspondance I was approved for income based repayment. Then asked to complete an app again. They then asked for pay stubs despite certifying through IRs and my last tax return, and I complied. After completing the second application I was told I was approved and had to pay a new amount eventhough salary had not changed last year. Then I got correspondance today saying my app that was electronically filed is missing a signature. And they are also asking for pay stubs again. Eventhough I was approved and told to pay the new amount in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
My mortgage loan was transferred to " mr cooper '' from XXXX XXXX XXXX. I read on the internet that it was a buyout. I was notified this transfer was occurring on the very day it was scheduled to do so, not 15 days as required by law. No explanation ... Nothing. This was a shock. I have not received my mortgage statement and I am hesitant to pay my mortgage that I should have paid 16 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2019 my husband and I went to XXXX for vacation at Now XXXX XXXX. We were approached by salesmen from the XXXX XXXX XXXX in the resort lobby.They wanted to give us information on their club. There was intense pressure from the salesmen. We told them we were exhausted from an early flight and needed to relax. They asked us to meet them for breakfast next morning at the resort where they began their heavy sales pitch. They took us to office promising all these perks for joining club. They said it would cost $ XXXX/person / night which would pay for the food and drinks at resort. There would be an annual fee {$150.00}. No other fees but more perks ; i.e. coupons to use at each resort. They pushed alcohol on us. They had a bar in their office which had several people walking around waiting to pop a bottle of champagne after we said yes. They pushed alcohol on us from the beginning. The total cost was {$40.00}. They wanted {$20000.00} down. We didn't have any high limit credit cards on us so they talked my husband into opening a card with XXXX XXXX  for {$13000.00}. We are disputing that with XXXX now. XXXX said that the application was approved under a dubious guise. The additional amount of {$7800.00} had to be wired by XX/XX/XXXX to make the 50 % down. When we got home I called the booking receptionist to check on a resort of theirs in XXXX XXXX. She said with a promotion in XX/XX/XXXX it would cost $ XXXX/night/person. She said there weren't any rooms in any of the resorts that were $ XXXX/night/person.  The contract is full of many fees that wer n't mentioned during the sale. They gave us other benefits while we were there, such as expensive dinners, boat ride, tickets to musical show, massages, upgraded our room. No mention of having to pay anything back. These were gifts. After getting home we saw in contract that there were many fees not mentioned, plus they could go up on fees in future. We have sent an email to the company. We don't expect to hear from them. Their bank is bank XXXX but the money transfer was to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
JPMorgan has hacked my computer therefore I had to use my tablet. My last complaint was going, to my last but this bank has decided to go hard ball so here we go. The person who changes the automachine when one calls their customer service number has mental problems and tells lies everyday, but I have learned tape the machine. I thought my apartment s we're not getting paid back in XX/XX/2018 so I called them and they said that they were paid in full-time This is when I knew that JPMorgan bank was corrupt. 
I sent {$3000.00} at first and then had my personal bank though a dispute take it back when I found Chase JP Morgan bank to be corrupt. Today the machine states I owe them the $ XXXX back. 
All lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed this XXXX XXXX XXXX  account from my credit report about 3 years ago that appeared as some joint account. To my surprise Equifax has reinserted it to my credit report with out no warning also they didn't give me a letter 5 days after reinsertion. which is in clear violation. I feel like this was an attack on me due to me first contacting the CFPB last month about another issue. Now they are targeting me and if this doesn't resolve it I will definitely file a lawsuit against them here in XXXX County because of this. 

In accordance with the requirements of the FCRA as stated below, *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company continues to harass me about a debt I know nothing about that was sold to them by a XXXX XXXX which I never opened an account with. Asked numerous times for them to provide me documentation but nothing ever arrives. The only thing they send is a bill over and over. Im frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
What happened was : I got here 3 years ago. 
My family was looking for an other place to live. 
When I was working, I saw someone came to the store all the time, and I Saw she is XXXX like me, we start to talk, but she speaks English and I didn't, she told me she will rent a big space so we can live together. 
She took me somewhere to show me an office ( XXXX XXXX ) XXXX XXXX XXXX, and she said that's where we are going to live. When I called my brother he was affraid for me, cause I just got here, he didn't want someone to abuse me. He said you don't really know the lady, if something happens to you, I won't know cause it's too far away for me, I just got an apartment for you close to your kids school, the same day I went to my brothers apartment with my kids. I went to the office to let them know that I got somewhere else to stay, so I won't be with the lady in this place.they told me ok, I will take your name off.so the office know that I never live there. I told them that as soon as I get it, before their apartment was available. 

I am surprised on XX/XX/2018. I received a letter from the creditor : XXXX XXXX XXXX XXXX XXXX XXXX Attn : leasing office XXXX XXXX FL XXXX For the amount of {$4500.00} The office know that I wasn't there. 
They know who exactly they supposed to go after, why they choose to go after me? is it because I didn't understand English too much and I can not defend myself? When I went to the office to tell them why they do that to me.the office told me that she brought a guy to sign for her after I took my name off, and the guy come back to take off his name, so the office told me that's why they keep my name in case the lady does not pay so they will have someone to go after, the office retain my info with out my consent to go after when things go wrong for the lady, why they are protecting the lady, I don't know, why the office didn't retain the guy info to go after him too, I don't know, but the office knows, I got the of the person that I talked to.hepl me out please, cause I need justice. I didn't have any contact with them. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank processed incorrectly an international wire transfer of $ XXXX. I immediately ordered a cancellation. Due to an internal miscommunication error at Citibank - expressly recognized by a Citibank employee - the operation was not cancelled. Instead of reimbursing me immediately for their mistake, Citibank keeps saying they are trying to recall the unauthorized transfer but every time I call, they estimate longer and longer for me to receive my money back. The estimate to recall the money has gone from a firm 3 days to perhaps 90 days. Meanwhile I'm out $ XXXX and the currency has fluctuated significantly to my loss. Citibank now even fails to return my calls.

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 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: NH

Complaint narrative:
i will go in court and midias because of bank i went in hospital also have XXXX XXXX i moved to XXXX before i lived in michigan my ex cancelled credit card and others i did a reservation with the rental car the price XXXX took my money {$1000.00} to my surprise the bank canceled my account and debit card i dont have money and cards i did contacts many times i want my money back and a solution. i am from XXXX i dont have family here the bank canceled my account and debit card and didnt the contact i am very depressed i have documents and evidence. terrible bank and disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Calls are way too frequent and collector refused to hang up when asked not record and didnt hang up after cease and desist demands. They called another number of mine without my permission. I called before and basically was accused of faudeltly obtaining the account I wanted to pay with. Very demanding tones and refusing to listen to my situation. Why call and say we can work something out if they demand money first and then they will listen. It feels like harassment.

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 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Re:XXXX I have contacted Carrington in regards to properly reporting my account and was promised it would be corrected. As of XX/XX/XXXX this has not yet been done with any of the major credit bureaus : A ) I have 3 HARD Inquiries from XXXX done between XX/XX/XXXX and XX/XX/XXXX when only ONE was needed and per Underwriting ( Mr.XXXX ) should have been done.This has had and currently having a deleterious effect on my report. 

B ) Also, as of XX/XX/XXXX CMS is reporting I am 120-149 days late. This is ludicrous since the account is a brand new Modified Account with final documents just signed off on and I have made every single payment on time per FHA Guidelines and in agreement with CMS. 

The above two needs to be corrected as soon as possible as its putting an undue hardship on me financially, not allowing me to gain credit and significantly harming my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I went through bankruptcy recently and 1 account I kept from XXXX is showing that during my bankruptcy filing I was 150 days late for payment. I did pay my account and its even in good standing. Credit union says it reported it was always on time but Experian and XXXX shows it was 150 days late. Tried to reach a live person from both bureaus with no success. Maybe during bankruptcy account was not reported for several months and thats what triggered no payments made on account

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 2019-02-16 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
Dear Navient, This is not a duplicate do not mark it as such, this is a complaint on your buthering of my credit reports. 
In response to CFPB Complaint XXXX The payment history for the accounts listed in the dispute are not and were not accurate. You word means nothing Navient. Among other things, the CFPB alleges that since at least XX/XX/2010, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed Mariner Finance {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with Mariner to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XX/XX/XXXX. Mariner refuses to update that this account to the credit agencies. Two agencies say I owe Mariner {$320.00} and another says I owe Mariner {$770.00}. I have paid them every XXXX I owed them and I have disputed with all 3 credit agencies, XXXX, XXXX and XXXX. They all tell me Mariner has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any help.

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 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I went through bankruptcy recently and 1 account I kept from XXXX is showing that during my bankruptcy filing I was 150 days late for payment. I did pay my account and its even in good standing. Credit union says it reported it was always on time but XXXX and Equifax shows it was 150 days late. Tried to reach a live person from both bureaus with no success. Maybe during bankruptcy account was not reported for several months and thats what triggered no payments made on account

Company response to consumer: Closed with explanation