vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had been using XXXX XXXX to monitor my credit. I received a notice that a collection account was added to XXXX. I filed a dispute because the account was charged off years ago. XXXX completed their investigation and removed the report on XX/XX/XXXX. It had not shown on the other credit reporting agencies until later. I assumed this was taken care of when I received notice from XXXX. I did not dispute this with the other two agencies. At the time I was applying for a home loan and had been preapproved because none of these had shown up. When my loan officer pulled my credit the accounts showed in dispute which FHA will not accept. I contacted Equifax on the XXXX and told them I wasn't disputing the account any longer. I was told it would be removed within 48 hours. I could not get ahold of XXXX until I signed up for their service online ( which should also be a complaint ) XXXX  removed the remark immediately after I spoke with them and sent me notice of that. My loan officer pulled the credit reports the next week assuming they were fixed. Equifax has still not corrected my report. I called them again today and they assured me it would be done right away but I still have not received confirmation from them. I asked them to simply send me a document stating that I had asked them to remove the dispute because the loan officer can work with that and they will not even do that. This is not right for the credit bureaus to allow a collection agency to purchase old debt information that has already been charged off and you have already been punished for and suddenly just throw it onto your credit report. Then to be punished again when you try to straighten this out. None of that is right, however, my main complaint at this point is that Equifax is not removing the dispute that I never asked them to do and will not even give me a document saying that I asked to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I obtained a car loan through Automobile Acceptance Corp. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed. I had not taken possession of the car again after that time. On XX/XX/XXXX, Automobile acceptance reported to the credit agencies that the car was repossessed. ( Not sure why, maybe to extent the bad credit filing ) On XX/XX/XXXX Automobile Acceptance reported to credit agencies that I reopened the same account. On XX/XX/XXXX Automobile Acceptance reported to credit agencies that the car was repossessed. This leaving the account on my credit until XXXX. I have attempted to resolve this matter with Automobile Acceptance and the credit agencies with no avail. Automobile Acceptance continues to put fraudulent information on my credit report and refuses to correct their own error. I have only had one account with this company, which ended in XXXX upon them taking possession of the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
A decision was rendered by the XXXX XXXX XXXX XXXX wherein the proposed decision was a finding had been made that the bill for services submitted by XXXX was done so too late and as a result both myself individually and the insurance carrier was found NOT to be financially responsible. A thirty-day period was provided in which to object to the decision and no objection was filed by XXXX. As a result the decision was filed in XX/XX/XXXX. 

This bill for XXXX has been continuously reported every month to the credit bureaus by XXXX through their collection agent XXXX XXXX XXXX XXXX as an open collection account. In fact, during the specific time frame in which the proposed decision and the final decision was filed, the collection agent XXXX XXXX XXXX   XXXX each time updated their reporting again reporting the collection was accurate. 

Despite several calls to the company, sending them copies of the decision, they have refused to cease reporting it as a collection. In fact, during my most recent conversation with XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was informed by " XXXX '' after he spoke with his supervisor that even with knowledge of the decision, that neither myself or XXXX XXXX was responsible, he advised they intended to continue to pursue repayment from XXXX and while doing so they would continue to report it as a collection account in my name, but would mark it as an " insurance hold '' internally. 

XXXX XXXX XXXX  XXXX are knowingly and willfully reporting false and inaccurate information to the credit bureaus which is having a negative impact on my ability to both obtain credit and to obtain competitive interest rates, all while knowing a decision was rendered finding me not financially responsible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l.
State: AZ

Complaint narrative:
I have been receiving repeated phone calls from XXXX XXXX regarding a corporate card charge with an original balance of {$1300.00} with an additional {$150.00} in interest and fees. This was a legitimate business expense that had been charged on the same day of an illegal termination that the corporation illegally refused to pay. I won a legal settlement which included compensatory damages because of this illegal termination. During the time I have been involved in litigation, I have not paid this debt. Although I did, in fact, explain the situation in depth to XXXX customer service, XXXX did not care and reported this to a collection agency. This agency, XXXX XXXX XXXX XXXX, has called me repeatedly regarding this. The latest phone call was on XX/XX/18 at XXXX XXXX MST, and a representative named " XXXX '' told me that I needed to pay this anyway to " maintain a good relationship with XXXX XXXX. '' I explained the situation to him, and he also refused to listen to me, so I hung up on him. Additionally, this company has been making repeated phone calls to my law firm trying to use them to contact me. This is outright 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 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was contacted in XX/XX/2017 by a Collections agency Procollect Inc ( XXXX XXXX XXXX, XXXX, TX, XXXX XXXX ) for a debt of {$5800.00}. 

Per the Collection Agency, I was owed rent and other charges while I stayed in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX ). I was told I was the second applicant in the rent application ( along with someone else ). The community failed to provide me any more details when I contacted them by phone. 

I have never lived in the said community. I own my house and live with my wife and XXXX XXXX. We have been married for 6 years. I have never even been to or seen the community. 

I had communicated the same to XXXX XXXX over the phone and sent them a notice on XX/XX/2017. I had also sent the notice to ProCollect Inc. I had also shared my Mortgage receipts, my address proofs for my owned house. 

XXXX XXXX never responded to my communication. They have now ( XX/XX/2017 ) placed this debt on my credit report which has now caused my credit score to drop considerably. 

Thanks, 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 2018-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: NC

Complaint narrative:
The company did not validate this bill was mine instead they sent a settlement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: NC

Complaint narrative:
A statement is not a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I had a cable bill and when I terminated the service with XXXX XXXX I noticed they over charged me. After 60 days of negotiation and showing the receipt from when I turned in my cable box compared to when they originally said i stop my services. They then agreed and adjusted down the bill which i promptly paid on XX/XX/XXXX Fast forward I have a collection account on my XXXX ( and presumably the other two ) from an outside collection company. That never contacted me directly via mail or any other method. They put a collection account on my credit 0nXX/XX/XXXX and show that I paid them on XX/XX/XXXX Had they contacted me I would of disputed the validity of the debt and informed them that I would only deal with the original " creditor '' since this happened XXXX XXXX sold out to XXXX  and I can not pursue that avenue. When contacting the collection agency the automated response asks for my acct # when I put it in it responds " your account is paid and closed '' and I get hung up on. I have disputed this with the credit bureau and within 1 hour I get the same answer. I have a copy of my bank statement that shows I paid XXXX XXXX directly. I have no way to defend myself the original creditor no longer exists, the phone calls and dispute resolutions are automated and don't allow for my input. XXXX paid to have my credit monitored and this all happened within one month so I didn't even know it was there. If you look collection agencies timeline XX/XX/XXXX to XX/XX/XXXX included 3 Saturdays 3 Sundays and 2 legal holidays XXXX and XXXX XXXX XXXX actually less than 14 business days please 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 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
on or about XX/XX/XXXX, I contacted Ditech with regards to applying for a HARP on my first mortgage. 

Ditech is the servicer for my first and second mortgage. My first mortgage is owned by XXXX XXXX. 

On or about XX/XX/XXXX, Ditech informed me that the subordination review on the second mortgage was requesting and appraisal or a XXXX XXXX XXXX ( XXXX ). I contacted a licensed Realtor in the XXXX area and they completed and submitted the documentation to XXXX, my Ditech Loan, Processor. 

I continued to stay in contact weekly with Ditech via my personal email account. I spoke with supervisor in XXXX about my concerns of the continued delays of the HARP refinance. I was communicated that it would be reviewed and things rectified to move things forward. Ditech services the second mortgage. 

I am now writing you on XX/XX/XXXX, as I was informed earlier this week that the XXXX was not accepted in the format submitted which was reviewed with Ditech prior to the submission in XXXX. 

The impression I am getting is that Ditech does not want to approve my HARP on my first mortgage. The subordination will not jeopardize the mortgage position of the second. I have met the underwriting guidelines, credit score, HARP requirements and I have agreed to pay 2 points given the combined loan to value calculation inclusive of the second mortgage ( which was addressed in my bankruptcy ). 

I am at a loss and have some frustration.

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 2018-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Opened XX/XX/2014 ( 3 yrs, 11 mos ) Account status Open Type -- *** Not my debt *** Identity Theft ( plus )!!! Collection agency is harassing me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened an account with XXXX and made a purchase under a special financing agreement ( no interest for 18 months ). I established a direct payment through my checking account and payments were being made on time. At one point ( about 15 months in ), my direct payment arrangement was cancelled ( not by me ) and a payment was missed. As soon as I identified this I made a double payment to get back on schedule. For the last payment amount of {$120.00}, I did not receive my statement and did not make the payment on the XX/XX/XXXX deadline. My next statement received was on XX/XX/XXXX, and they had charged me with the full interest of {$260.00}, plus my remaining {$120.00} balance. As soon as that was received, I immediately called and filed a claim with XXXX XXXX XXXX ( associated with XXXX XXXX XXXX XXXX XXXX ), as well as, made a phone payment of the {$120.00} final payment amount. They stated I would receive a ruling by mail, which I never did. I just received another statement with a balance of {$260.00}. I called and spoke to a Sr account manager who stated my claim was denied, however agreed to remove half of the balance or ~ {$130.00} which I do appreciate. She stated that if I had called within 5 days, they would have removed it all. I did not receive the next statement until 7 days after the due date, so that would have been impossible. They said they would need proof of payment by XX/XX/XXXX, which I already told them I did not do because of not receiving the statement. I do not feel responsible for the remaining XXXX {$130.00} balance and am looking for assistance. I have a {$10000.00} credit limit at this store, but will not spend another penny if they don't make this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is not an issue with closing an account, per se, but the form didn't have a more applicable option. 

In XX/XX/XXXX, I submitted a complaint with the CFPB ( case number XXXX ) because Bank of America was emailing me with information about another customer 's bank accounts. Over a year later, and after numerous direct complaints, they continue sending me emails about that customer 's bank accounts. My name is XXXX XXXX, and I regularly get emails addressed to XXXX. In the most recent email sent on XX/XX/XXXX, I see that XXXX recently had a customer service call with XXXX at Bank of America.

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 2018-03-01 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: DISCOVER BANK
State: PA

Complaint narrative:
I received a 2017 XXXX from Discover Bank about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can Discover Bank cancel the debt and still say that balance is valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My bankrupcty was dismiss XX/XX/2016 all creditors were paid by me XXXX removed this from my report. I am disputing this again. it should be removed since it was cancelled and creditors paid

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 2018-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
On XX/XX/XXXX a debt from XXXX being handled by XXXX XXXX was added to my credit report. I disputed it with all three credit companies. They were told it was verified by XXXX XXXX. They suggested I contact XXXX XXXX. I did contact them and was given no specific details. They couldn't even give the amount of original loan. They could not provide me with the address of XXXX. All they could provide was the total amount due with no explanation of details. This is a company I have no knowledge of. I was in the XXXX a lot in XXXX when this loan supposedly was taken with XXXX XXXX that I would not have been able to even apply for an online loan. My former XXXX email was used is what they told me. I haven't used that email in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/XXXX I called Equifax to inform them they Had not updated my file since XXXX. They informed me they had incorrect DOB and address. Had me fax over my driver license, birth certificate, and social security card. Called them again in XX/XX/XXXX, I was told they didnt have any record of it. I faxed it again. Few days past I called again. And they told me they couldnt read. I then get a letter they have corrected my name, DOB, social security number and address. ( Letter was mailed to my correct address ) the letter has my social security number incorrect! Even after I sent a copy of my social security card. Ive called them 3 time now and they are telling confirmation number on the letter is not good. And they still have incorrect info and they want me to send them all documents again because they do not have any record of them nor the letter they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
At the beginning of XX/XX/2018, I disputed a collection of {$430.00} that was initiated by XXXX. After going through the appropriate steps, I received an official notification from XXXX and XXXX  the reported collection by XXXX was resolved and deleted from my credit report. I subsequently purchased a new credit report and confirmed said resolution. 

This morning, using credit monitoring service XXXX, this disputed and resolved collection is again appearing on my credit report ( XXXX  ). This time, the agency listed is XXXX XXXX XXXX XXXX. However, this time XXXX XXXX is reporting the previously resolved collection with a total of {$430.00} ( {$1.00} dollar difference ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I was supposed to receive a credit card bonus of XXXX miles through my chase XXXX card for spending a minimum {$2000.00}. The last transaction had been approved but was still pending. I reached out to chase customer service through secure messages and was told when the transaction posted I would receive the bonus. Then on XX/XX/XXXX I reached out to chase customer service to confirm I would receive the bonus about my pending sale. They then got back to me and said they would not honor the bonus because the transaction was pending after the date required to spend which was XX/XX/XXXX. I was lied to and I was not able to attempt to spend money through a different retailer because they informed me of this AFTER the deadline. This was also after telling me I had met the spending requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC
State: CT

Complaint narrative:
I received a voicemail yesterday from phone number XXXX XXXX, it was a very snotty rude woman saying she needed me to call her back " immediately ''. Yesterday was the first time this number has ever contacted me. Last night the same woman called my XXXX year old dad, and left him a horrible voicemail that I am " avoiding her '' and that this will be sent to their attorney 's. Needless to say it made my dad very upset. The number they leave for a call back is XXXX XXXX. In googling this number people have reported many issues of people harrassing them from this company, and being scammed out of money for debt repayment on debt they don't even owe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pan Am Collections, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX send me a bill in the mail i do not owe!!

Company response to consumer: Closed with explanation