vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I issued a dispute with Experian concerning my XXXX XXXX XXXX  account reporting inaccurately. The XXXX XXXX XXXX  account was charged off in XX/XX/XXXX and sold to XXXX. However, XXXX XXXX XXXX  was reporting the CR as if there were late payments. I also asked the account to be updated to a paid charge off as I had paid the XXXX account as requested. On XX/XX/XXXX, I disputed the account once again to remove the late payment activity and on XX/XX/XXXX Experian updated my account indicating yet another failure to pay account activity for XX/XX/XXXX and that in fact lowered my score that day 14 points. I have since disputed the times again over three times with both companies to have the issue resolved. XXXX XXXX XXXX  should not be reporting any recent activity as they were paid in XX/XX/XXXX when they sold the account. Each company keeps telling me to dispute with the other and the results continue to be the same with no correction. I was told that the decrease in points was due to my dispute and the update to my account. Experian is reporting the balance was updated to {$0.00} on both months but that is not a change as the balance reflected that in XX/XX/XXXX when XXXX took the 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 explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Negative remark on my report that I don't recognize

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 2019-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: NC

Complaint narrative:
I filed several complaints with the CFPB regarding XXXX  refusual to reverse payments to XXXX XXXX  Hospital. Primary complaint was for {$19.00} for failure to provide test result, failure to read and interpret XXXX XXXX ordered and failure to provide services of a doctor to a patient.

The CFPB complaint numbers areXXXX,XXXX,XXXX and XXXX at no time did XXXX  reverse the charges or provide me with any credits.

NPAS made harrassing phone calls and sent unwanted payment letters like the one attached.

I do not owe XXXX XXXX Hospital and and the several complaints with the CFPB and Suntrust has refused to reverse its decision.

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 2019-01-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have Experian protection membership, i got my credit report that had some errors and incorrect information, one of the errors was wrong apt number ( it had this address twice, one had the correct apt number and the other was wrong ), it took 3 times to file a depute till finally they fixed it. It had another mistake, it had my name, same name ( first and last ) three times, in one of the times it had my last name missing last letter, i called and spoke with the lady she said its not a problem and they going to add the missing letter, when the result of the depute was ready, i log in to my account to find out that my social security was changes, now it had wrong social security, one number was wrong, when i spoke with the person from experian i never mention that my ss wrong, i called them again and the person said that they going to fix it, they send email stating that my result ready, i checked my account again and now its missing my social security entirely, the other two credit Bureaus have everything correct, its very hard to get a hold of them and i have to wait for almost an hour to actually talk to a person, at this point i would like to file a complaint against experian for deleting my social security wile that number was correct, inserting wrong ss, deleting the wrong one and instead of fixing it they just left my file without any social security in it.

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 2019-01-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I enrolled in a debt repayment program with XXXX in XX/XX/2018. XXXX XXXX approved my payment amount and participation in the plan on XX/XX/2018. Since then I have made on time payments to XXXX, and through them to XXXX, but XXXX is reporting that Im 90 days late. I have contacted the company several times and received no assistance whatsoever, even though everyone Ive spoken with agrees that their records confirm what Ive said.

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 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Ive been waiting for at least a month for credit decision and application to be approved for credit card and I called the security dept and they were rude to me and kept saying that they never receive the documents from and I mailed them since XX/XX/XXXX and I send it priority mail and I also fax it in on XX/XX/XXXX and still no decision on my application and no one isnt helping me and ... I talk to a young lady from the security dept and she was acting unprofessional and told me it was a waiting game and told me i cant Jump ahead of customers and the documents come in .. in the order of receive and Ive been sending at least 3 documents and she also said if I keep on sending documents again that it will start the credit decision all over again my application number is 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 2019-01-11 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: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
Throughout the week of XX/XX/2018, I placed multiple calls to XXXX to try to determine what loan numbers linked accurately to the XXXX account numbers. I spoke with XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX, # XXXX and XXXX # XXXX. I received conflicting information on multiple calls as to which loans associated with which name and account number. This transfer has been extremely difficult from a consumers perspective when customer service can not accurately assist in locating payment or relay the correct information. 

After calling XXXX on XX/XX/2018 they informed me that they are no longer forwarding payments to XXXX and will not forward the XXXX and XXXX payments we made to XXXX. Additionally they can not provide information as to when they will refund our monies. In good faith we paid the past due payments to XXXX on XX/XX/2018 making duplicate payments for XXXX and XXXX. 

Furthermore, MEFA continues to not credit my account after I have paid. This is ridiculous. 

I'm in the process of trying to buy a house and this is killing my credit. I'm not sure if they are just completely incompetent or trying to steal my money. I should have to call them every month to help them find the money I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In violation of the Fair Debt Collection Practices Act, CMRE Financial Services , Inc is attempting to collect a debt from me for a medical account that has already been paid. I have a copy of the check XX/XX/2018 paying the account directly to the original creditor ( XXXX XXXX XXXX ). I  am uploading the copy of the check here. The creditor account number is XXXX and the CMRE account number is XXXX. The amount paid in XX/XX/XXXX was {$190.00} which was the full amount due. CMRE Financial Services , Inc has no claim as the entire amount was already paid in full directly to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX. Requesting that they VALIDATE not Verify a debt that they are attempting to collect from me. I specifically asked for a copy of my signature with the provider of service to release my medical information to you, and to cease any credit bureau reporting until the debt has been VALIDATED by me. They provided me with a billing statement which does not prove that I am obligated to pay them anything. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have no known relationship with XXXX XXXX. I am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor OCWEN LOAN SERVICING, LLC is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
I sent {$300.00} via Money Gram online to my son through my savings account. On my money gram account I'm showing that the money has been ready for pick-up since XX/XX/18. However, there is no confirmation # and the money can not be picked-up without one. I tried multiple times to work with both my bank and money gram to either acquire the confirmation # so my son could pick it up or have them return the $ to my account. There does not seem to be a resolution forth coming from either of the merchants and I was hoping your office would be able to step in and help me find a resolution in this matter. Thank you for you time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
i applied for a modificaiton/workout in XX/XX/XXXX to see if they could assist with reducing the payments since I don't have enough income to refinance ; In XX/XX/XXXX they presented me an offer that i declined - because it was only a reduction in payment for 3 mos and then would only reduce my payment by $ XXXX/mo ( this was not in any of my paperwork either ). 
I have not been late with my payments during this review period and declined it. They reported me late and/or in modification to the credit bureaus and have a " repayment '' payment option for me on their website when I make a payment. I remained current during their review, I continue to be current, i declined their offer, therefore, i'm not late and I am not in modification/workout. I have called 2x for a letter stating same and they won't send it. I want something in writing since so i can fix it with the credit bureau as my score dropped 30 points due to same, which is why i don't believe them, only mortgage reporting drops it that much in a 1 month period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Several months ago I was contacted by a collection agency acting for XXXX XXXX, trying to collect on an account. I have never had an account with XXXX XXXX or any of their affiliates, and when I asked what it was about, they told me it was for cable tv service at an address I have never resided at. They entered a fraud report, and advised me they were returning the file to XXXX as " Fraud ''. Yesterday, XX/XX/2019, I learned that another Collection Agency, Diversified Consultants, of XXXX, Florida, filed a " Collection '' report against me with XXXX, claiming an unpaid bill of {$450.00}. I had no idea what this concerned, so Icalled them to find out what it was about. An employee, who identified herself as XXXX XXXX, with whom I spoke, told me XXXX had retained them to collect on the same claim previously determined ( and, apparently agreed by XXXX ) to be fraud. When I asked them why they filed a Collection report using their name as creditor, I was told that " we are only acting for XXXX, it is not our account. '' This is incorrect, as in that case, XXXX should be substantiating their claim ( which they never validated or verified the last time around ). Diversified gave me XXXX XXXX   number, and I called them and told them the same story, that this is not my account, I have never had an account with them, and have never resided at the place where the service supposedly was. They told me they were sending me a fraud package to complete, and that I would have to go to the police department and file a police report. I do not live in the suburb where the supposed claim exists, have no knowledge of this matter, and told them that I would send them their requested Sworn and Notarized Fraud form, but I did not have the time to go to the police department to file a report, did not know which police department to file it with, and would provide them with every thing else, including an Affidavit. I also advised them that I was upset that their collection agency had wrongfully filed a Collection with XXXX. Within two hours ( I have the ability to monitor my credit files ), I learned that XXXX  responded by filing ANOTHER Collection claim with XXXX. Again, they have not verified or validated their claim, should have information in their file from previous attempts to collect this verifying that the claim is fraudulent. The filing of the second Collection with XXXX   is clearly retaliation for my complaining to them about repeated attempts to collect on an obviously fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: FL

Complaint narrative:
My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor XXXX XXXX XXXX, XXXX is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.

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 2019-01-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor XXXX XXXX XXXX, XXXX is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: FL

Complaint narrative:
My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor XXXX XXXX XXXX, XXXX is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.

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 2019-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland Funding violated the FDCPA a several ways.. 
1 ) On XX/XX/2018, XX/XX/2018, XX/XX/2018 I contacted Midland about me disputing this account. Each time afterwards I received back to back calls from them. 30 minutes apart for 5 hrs. 
2 ) On XX/XX/2018 Mr XXXX from Midland yelled at me, threatened to sue me, told me I was a liar. 
3 ) On XX/XX/2018 Midland called and when my boyfriend answered they gave out personal information on the collection account. 
4 ) Midland will not provide verification of debt after it has been requested 5 times. But Midlands XXXX (? Think given flake name ) verified they had received the request from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our new home mortgage was sold by XXXX XXXX XXXX to the Mr. Cooper/XXXX XXXX XXXX, effective XX/XX/XXXX. We made our first payment in the amount of {$4200.00} on XX/XX/XXXX. The funds were posted and allocated correctly. 
The 2nd payment we made posted on XX/XX/XXXX in the amount of {$4200.00}. When we received our statement, we noted that the total amount of the payment was applied to our principal loan amount. No portion was applied to interest or escrow. Also, our escrow balance was reduced by {$1000.00} and additional {$96.00} was taken out for PMI which had already been deducted. 
We contacted Mr. Cooper/Nationstar twice on XX/XX/XXXX to attempt to have our payment of {$4200.00} properly allocated and to determine the status of the missing {$1000.00} and an explanation on why an additional month of PMI {$96.00} was debited. 
The call center persons at Mr. Cooper were unable to explain why they posted our entire payment to principal without our approval. They were also unable to determine why {$1000.00} was taken from out account and where it now has been transferred. Finally, there was no explanation as to why additional PMI was withdrawn. We were told that they would provide us with a response and correct the account within 24 hours. As of today, XX/XX/XXXX, we have had no response from Mr.Cooper/Nationstar and our online account has not been corrected. We are obviously very concerned that the payment on our mortgage was misappropriated as well as there are now funds missing from our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
XXXX XXXX violated the FDCPA a several ways.. 
1 ) On XX/XX/2018, XX/XX/2018, XX/XX/2018 I contacted XXXX about me disputing this account. Each time afterwards I received back to back calls from them. 30 minutes apart for 5 hrs. 
2 ) On XX/XX/2018 Mr XXXX from XXXX yelled at me, threatened to sue me, told me I was a liar. 
3 ) On XX/XX/2018 XXXX called and when my boyfriend answered they gave out personal information on the collection account. 
4 ) XXXX will not provide verification of debt after it has been requested 5 times. But XXXX XXXX (? Think given flake name ) verified they had received the request from me.

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 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a hard inquiry XX/XX/XXXX When I have not appliedfkr a credit card. Inquirer date : XX/XX/XXXX. I contacted the company but to no avail. They have failed to return my calls or emails. This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against. The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. I feel personally discriminated against and have no other option but to try  CFPB to get a response from this creditor that has treated me so poorly.

Company response to consumer: Closed with explanation