vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau
State: FL

Complaint narrative:
This was the subject of a prior complaint which was responded to and for which company did not do what it said it would do in effectively removing collection from credit report. I called the CFPB with feedback about the company 's non-compliance and the representative said to go ahead and file yet another complaint against MBB. 
Rather then recount facts, see below and please consider as a resubmission for same : XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action YOUR COMPLAINT Medical Business Bureau, XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a diagnostic test ordered same-day STAT by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act. 
STATUS Sent to company on XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested that the account be deleted from the consumer 's credit file and are checking with XXXX XXXX XXXX regarding the payment. Medical Business Bureau has not purchased the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: FL

Complaint narrative:
We moved from XXXX  to XXXX in XX/XX/2017, paid off our utilities, changed addresses, etc. It turns out that XXXX XXXX  XXXX, in XXXX had not finalized their billing and sent notices to our former address, claiming {$240.00}. It caught up to us when a collection agency came after us. We asked for evidence which they never provided in an intelligible format. Attempts to communicate with them was like speaking to 3 year olds. We finally sent them {$100.00} to get them to stop harassing us as payment in full. They accepted the money then sent our case to Experian who quickly dropped our credit score by over 100 points. 
We contacted Experian and they said they automatically believe collection agencies. Not consumers. We called XXXX and they told us how they had arrived at the numbers and we agreed to pay. When prodded, though, they said it was not up to them to remove any negative remarks on Experian, it was up to Experian. We called Experian and they said that was not true. It is up to XXXX. 
We are willing to pay XXXX but if neither party takes responsibility for removing negative comments on our credit to restore it ( It is still close to XXXX on bpoth XXXX  and XXXX ), then why should we? 
Can you help us navigate through this nonsense and get the parties to agree to clean up our credit if we pay the {$140.00}.? 
Thank you CASE AT EXPERIAN is Report Number : 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 2018-03-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
reporting XXXX more than what is owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Some one named XXXX XXXX tried to access my wife 's account and she is going " Who is this '' They have a lot of information about me, almost to much. I do not know who this company is. I have never even heard of them and why are they trying to access my wife 's account and she said she received a very strange number a couple weeks ago, but did not think anything of it. Please remove me and do not try to access her account again. She is very upset with this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Dealer Services keeps updating a charged off account for a vehicle loan. The loan is over 7 years old and they are updating it as though it's a new account. I know that there are legal limits as to how long a company can keep reporting a negative account. It is not legal for a company to sale your account as though it was new in order to keep reporting, nor can they update it each time you contact them. I have had the same or similar problem with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX as well as other accounts. This must be the new game in town. Please advise on how I can permanently have these accounts removed ASAP, never to return. What are my legal recourses if they do not comply?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and Transunion. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.

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 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. Equifax, XXXX and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, Experian and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.

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 2018-03-09 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX XXXX and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and XXXX that the debit was valid and would remain on my credit. XXXX  removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank used XXXX transfer pay and my funds of {$250.00} dollars were sent to the wrong person. Chase Bank is now stating they are not responsible for XXXX transfer payment going to wrong person. I reached out to them 1 week ago and they have failed to resolve stating they cant get my money back. They also state its not their responsibility yet this is a service provided by chase. I want my funds returned,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
In response to my request for loan modification, and after several rounds of XXXX/PHH admitted " errors '' ( in which XXXX/PHH violated each and every letter of consumer protection laws ), XXXX   send a letter dated XX/XX/XXXX. It states : " Following the review of your last application for Homeowners Assistance, which was denied on XX/XX/XXXX, it was determined that ERRORS were made in the last determination. An underwriting policy CHANGED was made on XX/XX/XXXX, and with it, the computer program used to analyze loan modifications was also CHANGED. REGRETTABLY, ERRORS were found in the data inputted ... resulted in your failure to qualify under the housing-to-income ratio .... '' Capitalization is mine.

XXXX  then offered a bizarre ( interest rate only ) modification. Still, I requested the full terms of the modification agreement. XXXX   refused to provide it, stating that I have to accept the modification and 3 months later I would see the terms. That was both illogical and illegal. I refused to accept this entrapment.

My refusal to accept the 'offer ' notwithstanding, XXXX/PHH on their own and without my knowledge and consent cancelled the ACH automatic debit in effect for 14 years uninterrupted, reported me to credit agencies as delinquent, and ruined my credit to the extent that I could not get a loan to exit XXXX/PHH fold. XXXX/PHH have been consistently advised that they can withdraw the funds anytime. They refused.

In canceling ACH without my consent, XXXX/PHH violated the law and their own agreement with me. I even furnished them with their policy terms. They are bad actors.

In response to my CFBP complaint # XXXX filed on XX/XX/XXXX in which I complained about XXXX/PHH ruining my credit and preventing me from getting a mortgage to exit XXXX/PHH trap, todayXX/XX/XXXX ( after 61 days ) XXXX/PHH responded stating : " On XX/XX/XXXX, you contacted our Customer Service Department via telephone and informed the representative that you wished to continue the direct debit since you had yet to reach an agreement on the trial modification. We regret that due to an oversight, we failed to process this request. '' This response in unacceptable. It fails to mention is WHY XXXX  /PHH , without my permission or consent, cancelled the ACH in the first place. It fails to mention how XXXX/PHH would compensate me for ruining my credit, preventing me from getting a mortgage, and who is going to pay for the higher interest rate now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
RE : Penfed Auto Loan Acct : XXXXXXXX Refinanced this auto loan with Penfed and vehicle has had full insurance coverage since purchase ( see attached ) without any lapse in coverage.

Pendfed is placing and requiring additional costs be remitted in association with adding a new auto supplemental policy - above and beyond the coverage currently in place.

The loan agreement ONLY requires a standard auto insurance policy, which my policy complies and is above and beyond the minimum requirements set forth in the agreement and has been in place since the purchase of the auto.

This action by Penfed is illegal in the State of Florida.

I am therefore filing this complaint and submitting the same to Florida 's Office Of Insurance Regulation.

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 monetary relief
Consumer complaint received 2018-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX keeps updating a charged off account for a vehicle loan. The loan is over 7 years old and they are updating it as though it's a new account. I know that there are legal limits as to how long a company can keep reporting a negative account. It is not legal for a company to sale your account as though it was new in order to keep reporting, nor can they update it each time you contact them. I have had the same or similar problem with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX as well as other accounts. This must be the new game in town. Please advise on how I can permanently have these accounts removed ASAP, never to return. What are my legal recourses if they do not comply?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: ERC
State: NC

Complaint narrative:
I have never had an account with this company nor have I entered into an agreement to pay them. This item is reporting in violation of the FCRA as well as the fair debt collection practices act section 807-8

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
This collection agancy has on my XXXX Report 5 marks for one account, they are reporting as if I have five separate bills this is wrongful ways of reporting collections, and against the laws the help prevent collection agencys like this to report a collection wrongfully. Secondly it has been paid and yet another derogatory mark has been placed on my credit. 

I want this taken care of or I will I am suing a company as we speak I have no issue adding to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: GA

Complaint narrative:
Hello, I disputed inaccurate I information I found on my credit, knowing for a fact that it will be over with very soon. The results came and I was informed that the accounts has been verified, I wasn't able to get methods of verification nor a signed documents to support their claim. I have a total of 7 accounts 2 of them were awarded to my favor by a court order and the rest isn't mine and came to find that my information was breached and accounts was totally open under my credit without my knowledge.

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 2018-03-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I disputed inaccurate I information I found on my credit, knowing for a fact that it will be over with very soon. The results came and I was informed that the accounts has been verified, I wasn't able to get methods of verification nor a signed documents to support their claim. I have a total of 7 accounts 2 of them were awarded to my favor by a court order and the rest isn't mine and came to find that my information was breached and accounts was totally open under my credit without my knowledge.

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 2018-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech Financial messed up and incorrectly figured the property taxes in our escrow. Because of this, they refunded us around {$3000.00} a year ago and lowered our monthly payment. This year, they expect us to be able to not only make up for the shortage ( {$2100.00} ) they caused when miscalculating, but they want us to cover and additional {$3500.00} " cushion '' they've decided needs to be in the escrow. This raises our mortgage payment by over {$800.00} per month for a year, which isn't possible for us to do. I spoke to several people and none was willing to do anything. My feeling is that they should have to eat their mistake and I can make up the shortage of {$2100.00} over the next year. Can anyone help us?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX, Equifax, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and Equifax that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. Experian, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from Experian and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.

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 2018-03-09 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: Vital Solutions, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX   and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( Vital Recovery Services , LLC ) at my place of employment.

Company response to consumer: Closed with explanation