vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: MO

Complaint narrative:
I have filed a complaint with XXXX and called and made a compliant - filed disputes with both. In 2016 I was heavily in an XXXX. I had XXXX out for my XXXX and I was in a downward spiral in and out of XXXX. I had fallen asleep one night, to wake up and find my car window had been busted out and all of my Tools and Checkbook/ Id, as card had been stolen. I called my Bank and had my account number changed, and had to have a new ID Issues. With the outstanding XXXX I had I was unwilling to file a police report. I was too worried about going to XXXX to even think about going to a hospital. XX/XX/2016 I was picked up on my XXXX and Ive been XXXX and in XXXX since. 

I have called and explained the situation to both XXXX and CMRE, which I was told by both there would be an internal investigation. I did ask CMRE for documentation from who ever had used my Information, they were unable to provide such. When I disputed these same accounts with XXXX and XXXX CMRE was removed. So it seems its more of an XXXX issue resolving my disputes. 

I have not had a doctors appointment in years, even to date- almost 3years XXXX XX/XX/XXXX I havent been to a Dr . This isnt my account, Unfortunately they should have asked for an ID or something from whomever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Saturday XX/XX/XXXX I got a email notification from XXXX XXXX that my score went up due to the removal of false payment information that I had disputed regarding a car loan from Wells Fargo way back inXX/XX/XXXX that I do not owe monies on any longer.. I will be happy to screen shot the email as proof because I still have it in my inbox. However, on today XX/XX/XXXX the company has fraudulently reported that I am behind in payments which makes no sense because I dont even have a car loan with them anymore and paid the car off more than 7 years ago. Wells Fargo continues to fraudulently report that I owe an amount that I do not owe. What they are doing is not only unethical but illegal. The account was opened for a car loan in XXXX. The car was paid off in XXXX yet they continue to harass me and lie on me stating that I owe monies and am behind on payments when I have had to make a car payment to them in years. This is really crazy! They only do this when I report to the credit bureau that I do not owe this amount. I would like for Wells Fargo to quit lying and reporting false information to the credit bureaus. and take the false information off of my credit report.. I dont see how this company is allowed to get away with this fraudulent behavior. I would like this payment immediate removed off of all three credit bureau reports because I do not owe them any money and have not had a car payment from them in over 7 years.

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 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ; XXXX ; merge with PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX ; XXXX since the merge PHH MortgagesXXXX XXXX XXXX and XXXX XXXX with PHH Mortgage Services located at XXXX XXXX XXXX  XXXX New Jersey XXXX for their number is XXXX ; questions regarding merger : XXXX. PHH Mortgage has overcharged me an additional {$17.00} listed as other taxes without explanation increasing my payment unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
The company SOUTHWEST CREDIT SYSTEMS, L.P never contacted me regarding the debt or gave a notice. 
They posted it to the credit agencies.Never received any communication from this company.The amount of XXXX dollars owed was settled with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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:
On Saturday XX/XX/XXXX I got a email notification from XXXX XXXX that my score went up due to the removal of false payment information that I had disputed regarding a car loan from XXXX XXXX way back in XXXX that I do not owe monies on any longer.. I will be happy to screen shot the email as proof because I still have it in my inbox. However, on today XX/XX/XXXX the company has fraudulently reported that I am behind in payments which makes no sense because I dont even have a car loan with them anymore and paid the car off more than 7 years ago. XXXX XXXX continues to fraudulently report that I owe an amount that I do not owe. What they are doing is not only unethical but illegal. The account was opened for a car loan in XXXX. The car was paid off in XXXX yet they continue to harass me and lie on me stating that I owe monies and am behind on payments when I have had to make a car payment to them in years. This is really crazy! They only do this when I report to the credit bureau that I do not owe this amount. I would like for XXXX XXXX to quit lying and reporting false information to the credit bureaus. and take the false information off of my credit report.. I dont see how this company is allowed to get away with this fraudulent behavior. I would like this payment immediate removed off of all three credit bureau reports because I do not owe them any money and have not had a car payment from them in over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Contacted Portfolio Recovery for validation of debt due to being sued by them for debt, all that I was sent was a letter stating the date they bought the debt and from who they bought it from with a copy of a billing statement. In the letter that was sent to them I asked to for proper validation such as signatures and a legal binding contract with their company and that was not provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have filed a complaint with Experian and called and made a compliant - filed disputes with both. In 2016 I was heavily in an addiction. I had XXXX out for my XXXX and I was in a downward spiral in and out of XXXX. I had fallen asleep one night, to wake up and find my car window had been busted out and all of my Tools and Checkbook/ Id, as card had been stolen. I called my Bank and had my account number changed, and had to have a new ID Issues. With the XXXX XXXX I had I was unwilling to file a police report. I was too worried about going to XXXX  to even think about going to a hospital. XX/XX/2016 I was picked up on my XXXX   and Ive been XXXX  and in XXXX since. 

I have called and explained the situation to both Experian and XXXX, which I was told by both there would be an internal investigation. I did ask XXXX  for documentation from who ever had used my Information, they were unable to provide such. When I disputed these same accounts with XXXX  and XXXX  XXXX was removed. So it seems its more of an Experian issue resolving my disputes. 

I have not had a doctors appointment in years, even to date- almost 3years XXXX   XX/XX/XXXX I havent been to a Dr . This isnt my account, Unfortunately they should have asked for an ID or something from whomever.

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 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
I have tried disputing this with XXXX. The debt isnt mine, I have never been to this facility. I have expressed my concern tbat someone has used my information in order to get out of paying their medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I wrote Prosper Marketplace on XX/XX/2019 via Certified Mail for them to contact XXXX XXXX XXXXf concerning my loan payments. I also told them to it when I answered the phone on XX/XX/XXXX. However they called me from telephone number XXXX three times on XX/XX/XXXX and four times today.

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 2019-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I was a victim of blatant predatory lending by Credit Acceptance Corporation. They charged me 22.99 % interest for a car loan, which is very high but due to my less than ideal credit and not understanding the contract I signed. Later while working with a Financial Coach at a non-profit we looked at my loan and vehicle. He pulled the XXXX value on the vehicle and we found that the vehicle with a clean retail is only worth {$5700.00}. I paid {$9100.00} for the vehicle and by the time the loan is paid I will have paid {$19000.00}. A lender should not give a secured loan for a vehicle to a customer with less than perfect credit ( or anyone ) with almost a 160 % LTV. The whole transaction is predatory but the aspect of the lender giving a loan for 160 % of what the vehicle is worth is the aspect that seems completely unlawful and undeniably predatory.The loan was signed in XX/XX/XXXX, and we pulled the XXXX value ( bluebook value ) on XX/XX/XXXX only 6 months later. The car would not have depreciated in value very much in those 6-months, especially with an already older vehicle. We used the millage of the car when it was bought in XX/XX/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 2019-06-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
ONCE AGAIN this negligent debt collector not only has fabricated a Summons in the Connecticut State Court of law stating INCORRECT unpaid balance, interest, late charges and " collection costs '' that are BLATANTLY erroneous due directly to the EGREGIOUS negligence of this debt firm, they further are HARRASSING ME by submitting Motions to the Connecticut State Court of law for foreclosure! They continue to fabricate stating the mortgage is in default yet I am in the middle of Mortgage Modification with Chase thru a government program HOPE directed me to apply to. All claim of a supposed nonpayment of the monthly installments of principal and interest due as of XX/XX/XXXX and each and every month thereafter is nothing more than a FRIVOLOUS claim. Due to my Mortgage Modification that I was accepted into, once I completed the process, which I have, I was advised that the NEW Mortgage starts fresh due to its new restructured interest rate and monthly payment. There is verifiable proof of all monthly payments up thru the Modification. The new restructured Mortgage is suppose to start in XX/XX/XXXX. All I am doing now is waiting for Chase to send me the new paperwork as XXXX XXXX XXXX advised me is the final stage. I have reached out to Chase several times during the past few months with no response yet. My Financial Consultant has also reached out to Chase. 

Please be advised, this company 's blatant negligence is so extreme, assistance was sought from the HOPE program thru the U.S. Department of Housing and Urban Development to remedy said negligence and thus restructure said promissory note due to said negligence as stated above is in progress. Even after a CEASE AND DESIST order, this firm of XXXX and XXXX specifically XXXX XXXX. XXXX have ignored such an order and have continued their harassment by continued contact and legal fabrications. Please note, this firm is known for their negligence, un-professionalism and egregious behavior in fabrications and scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I got XXXX to correct my XXXX sometime between XXXX and my doctor set me up with Care Credit through Synchrony Bank to finance the {$4800.00} XXXX. I paid {$200.00} a month until the balance was down to {$1200.00}. 

As a graduation gift to me, my dad paid the {$1200.00} balance off on my behalf. The first attempt was an online payment and at first it was accepted, then later rejected for some reason. I called Care Credit customer service and spoke to a representative who resubmit the payment over the phone and confirmed that everything processed correctly. A couple days later, we checked my dad 's account and confirmed the {$1200.00} had finally been debited. 

I thought nothing more of the transaction until 2-3 years later I was in collections for over {$3800.00}. They claimed my second payment was denied as well so they added {$2600.00} in fees, closed my account ( which removed my online statements ), wrote my debt off, and sent me to collections. That debt collector has since sold the debt to a new company.

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 2019-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Home Mortgage, LLC
State: TX

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX the mortgage company is showing my payments as 90+ past due on my credit report with XXXX, XXXX, XXXX. I have not been 90+ past due and have made all of my payments on time for the time period of XX/XX/XXXX to XX/XX/XXXX. 

We are in the process of buying a home and these late payments they are showing is preventing us from being approved.

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 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I received a phone call from a " BB & T Fraud Specialist '' from the phone number associated with BB & T Customer Support. This individual called me by my appropriate name and stated there was suspected fraudulent activity on my account. They stated an attempted charge which I didn't attempt which I responded " no '' to attempting. After this they repeated back to me various charges which my husband and I had completed with our checking account. I found out later that this was a spoof call, despite coming from a legitimate BB & T phone number. As they had personal information such as my name, phone number, and recent legitimate charges, I believe that this was an internal hack at BB & T resulting in the spam/fraud of my person. When changing account information at a BB & T branch location, they also mentioned that at least 6 other consumers came into that branch with the same issue. 

As a result, I have changed my phone number, opened a new email account, have changed all passwords associated with various online accounts, and closed/opened a new checking/savings account with BB & T.

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 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I called in the attempt to settle a debt that I have been disputing for over two years. When attempting to discuss an offer the supposible manager said he worked hard behind the scenes to get me a better offer which was over 150 more than the initial offer given by the previous rep. When I asked to speak to a manager the supposible manager got disrespectful and constantly yelled at me telling me he was not going to send me to a manager good luck with that and hung up on me. I called back in and the same rep got on the line with me and again started yelling at me telling me he would not transfer me to a manager he doesn't have to so he's not going to. I then asked why he wouldnt transfer, he said I don't have to it I don't want to so I'm not going to. I asked for the rep 's ID and he refused to give me the information, he also refused to give the company 's information as I requested. The rep was very abusive and disrespectful After some due diligence I found this to be his information : Caine and Weiner XXXX XXXX Unit Manager Address : XXXX XXXX XXXX XXXX floor, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: NY

Complaint narrative:
The following accounts have been disputed on these dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXfor late pays after account closed, comments/remarks incorrect, never got a response for Transunion, XXXX , XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # 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 2019-06-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The following accounts have been disputed on these dates : XXXX-19, XXXX-19,XXXX-19 for late pays after account closed, comments/remarks incorrect, never got a response for XXXX, Equifax , XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Commenity  bank  keeps calling me from different numbers reporting a card I never received in the mail. I was supposed to receive it last year on XX/XX/XXXX and they never sent it to the correct location.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have two different complaints First of all, with the exception of the {$550.00} being worked my Midland ( more on them below ), every one of the balances showing on my report HAS BEEN PAID IN FULL I know that you will claim that my score will be upgraded soon .... but that does not change the fact that what is being reported is outdated and inaccurate! 
My second problem is that Midland is claiming that my account has not been updated meaning of course that they are hoping to bleed more $ $ from me which aint gon na happen Could you help in that area?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX-2019 XXXX XXXX XXXX2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX XXXX2019 XXXX XXXX XXXX XXXX XXXX-2019 XXXX XXXX2019  XXXX XXXX-2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX XXXX XXXX2019 XXXX XXXX XXXX XXXX-2019

Company response to consumer: Closed with explanation