vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Receivables Performance Management LLC ( RPM ), a national debt collector, is attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to collections. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. I have elected not to have my devices replaced after the claims were accepted by the insurance company and, as such, XXXX had billed me for and placed charges on my account for the replacement devices which has now been forwarded to collections with RPM. While I understand the norm is to replace the devices and then bill the account for the newly replaced devices that is not the case in this instance. Therefore, no money is due by me for the devices that the insurance company paid out on, all of which were in use at the time of loss. XXXX XXXX has sold the debt associated with my account to RPM for an undisclosed amount and the debt collector is now trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. In resolution of the double dipping attempt by RPM I would like full forgiveness of the debt by both RPM and XXXX XXXX along with updated credit reporting data provided to all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices including, but not limited to the California Public Utilities Commission ( CPUC ).

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 2018-08-06 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: IL

Complaint narrative:
I have been a victim of identity theft. Equifax did not investigate. I spoke to the company the company said they notified all 3 companines to delete the account, from XXXX XXXX XXXX XXXX XXXX and XXXX immediatly updated and removed the information at the request of the collecition company. Equifax claimed that the company veified the account. I spoke with the company again and the rep verified once again they put in a notice to Equifax to delete the file equifax deleted the file and reinserted it 3 days later with no proofs and no prior notification. and aginst the companies request to deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MCLEAN MORTGAGE CORPORATION
State: DC

Complaint narrative:
We closed on our place recently. The closing documents we received from the title company contain blank forms with only a signature, missing notarization, and lastly with regard to the termite inspection is inaccurately completed. E.g. the name of the pest control company on the form is completed with the mortgage companies name. We've asked the lender multiple time for an explanation and none has been provided. The lender claims " the loan is closed '' and there's nothing to do. We've asked the lender to resolve these errors and they are refusing. They've asked us " what's your motivation? '' " what answer are you looking for '' via a phone call last Friday. I response that I would like them to respond one of two ways : 1 ) There was a clerical error and we will correct it. 2 ) There is no error. The latter of which, seems suspicious since other council to us has advised that these forms are required for a VA loan and certify appropriate housing conditions & new home warranty. If the lender will not provide the completed documentation, this seems fraudulent - we would like this resolved by having the errors corrected and new completed documentation sent to us. We are also asking for the completed closing package that the bank has for us to make sure those documents match what we returned to the title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/2018, I received a payoff fax for a home equity line of credit which I requested from LoanCare. I sent a check for the amount stated on the fax to pay off this home equity line of credit. LoanCare cashed this check on XX/XX/2018. 

Presently I have not received a cancelled promissory note, a mortgage release, a recorded deed of reconveyance, and final statement that the loan has been paid in full. 

On XX/XX/2018 I have called LoanCare as to the status of the paid off loan and the items mentioned above. At that time, the speaker could not trace the check and did not seem to know what happened. I was told to email a copy of the check as LoanCare would look into this and call me back. I emailed the attached items, and still have not received a call back or email as to the resolution of this. 

XX/XX/2018, I emailed LoanCare again through their website contact page and still have not heard from anyone there. 

LoanCare, however, is still sending me billing notices. I would like this resolved quickly.

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 2018-08-06 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: AR

Complaint narrative:
On XX/XX/XXXX, I mailed a Certified Mail Receipt letter : XXXX XXXX XXXX XXXX XXXX to Experian Credit Bureau to conduct an investigation about the opened fraudulent accounts on my personal credit report. I did not opened nor benefit from this fraudulent account. 

The fraudulent opened account is : XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$80000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: IL

Complaint narrative:
I contacted XXXX to dispute credit inquiries on my credit report due to their inquiry issues and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX there was an unauthorized charge of {$2900.00} on my debit card. I filed a dispute with the bank, had to continually follow up with them in order to get any feedback, and then was told that they were closing my dispute because they werent sure how to charge back to the vendor. I responded and told her she had to simply state that I didnt authorize this transaction. I then also asked for them to provide me a copy of the transaction to see who signed it- they couldnt. Initially the dispute was to be reopened when I gave them a reason to charge back- however it would not show open in my checking account online ledger in order to do redisoutw. Today I was told they closed the dispute and I cant re submit a dispute. I would like to know how they investigated this manner when I did not sign any receipt nor even authorize this transaction! They took nearly {$3000.00} from me that I need in order to provide for my daughters back to school items and other necessities. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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:
XXXX XXXX  was included in my chapter XXXX bankruptcy and subsequently discharged. Experian has this item incorrectly listed on my file. I disputed it with them asking them to update the item as " included in bankruptcy '' and change the status to " unrated '' as provided in industry standards and federal law. 

XXXX XXXX. Account number listed XXXX I have a attached a copy of XXXX XXXX from my bankruptcy showing this XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 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: MD

Complaint narrative:
Hello, On XX/XX/XXXX this year I closed a Credit card Account with XXXX XXXX. There was a pending balance on the card when closed so the belief was the card was paid off in full. 2 months later My credit score dropped by 100 points and this is how I was notified of a balance on the card. I contacted XXXX and Paid the card in full. When questioned why I had not received any notification of balance they stated that they sent me email notification. Checking my mailbox and spam I received no notifications. I asked for proof of notification and the refused to send me proof of emails from XXXX to myself stating I owed money on my card. On XX/XX/XXXX I opened a XXXX  credit dispute. The results of that investigation removed the late payment discrepancy from my credit report. When I started a Transunion dispute on XX/XX/XXXX I received the results of this dispute on XX/XX/XXXX stating that the information was accurate. Since the two investigations should have been the same. the Late payment should be taken off all of my credit reports. 

Thank you so much

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 2018-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/2018 I paid ( {$9.00} ) Western Union ( Quick Collect ) to wire transfer {$430.00} to my bank, XXXX XXXX XXXX XXXX. The clerk accepting the money asked for my name, address, phone number and account number. I gave her my bank deposit slip showing the information that she asked for. She typed in the information then provided me a receipt from the store and the Western Union receipt. I wanted to wire this money because I had a payment deadline to meet the next day,  XX/XX/XXXX. 
I waited about an hour when I got home then checked my account on my mobile phone for the deposit and it was not there yet so I again waited for another while before calling my bank. I had paid for this wire transfer at XXXX XXXX and it was almost XXXX XXXX. and my bank checked everywhere for a deposit but no deposit had been received! 
I called Western Union customer service and spoke to an agent, XXXX, at XXXX XXXX He checked for the transaction and found that it had been sent in error to a different company, a company called XXXX Credit Card! He told me he was sending that company an email advising them of the error and requesting a refund from them and that I would have to wait 24 to 48 hours for them to get " permission from them '' to refund my money! I called again the next day and spoke to XXXX. He said they'd had no response yet and give me a case # XXXX to refer to. I called 48 hours later and spoke to XXXX and she advised me they still had not received a response to their email! I requested to speak to a manager or supervisor. I spoke to a supervisor, XXXX. He said they had to wait for a response to the email " authorizing Western Union '' to refund my money! I told him that they, WESTERN UNION was responsible for the error in transmitting that transfer and that WESTERN UNION should refund my money and " they '' wait for their refund! He said that he couldn't do anything but wait.

I had to borrow money at last minute to make my payment on XX/XX/XXXX but now I need that money back to pay what I owe but they don't care. 
I have waited 8 days and called again today. I spoke to XXXX today and he checked but told me exactly the same story -- '' they haven't received a response to their email and they can not refund my money until they get permission from XXXX Credit Card ( the company in error ) to refund it! I asked to speak to a supervisor. I was transferred and the phone rang 14 times but no one answered! They refuse to help or refund my money! 
I am retired and live off my fixed social security income. I don't have the luxury of waiting like Western Union can wait! Please help. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have requested that you intervene on my behalf in dispute of several loan modification denials from Wells Fargo since XX/XX/2013. Related case numbers are XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have attempted on at least XXXX different occasions to have my Pick-A-Payment loan modified. Now with the XXXX XXXX  article, " Wells Fargo says hundreds of customers lost homes after computer glitch '', by XXXX XXXX, I would like for my previous request ( s ) for a loan modification to be reviewed. Another article, " Wells Fargo faces tax credit probes, new problems with mortgage borrowers '' by XXXX, stated, 'an error in Wells Fargos underwriting tool  improperly excluded 625 borrowers, 400 of whom eventually had their homes foreclosed upon '. I feel confident that I was one of the 626 borrowers, since Wells Fargo could never give a logical explanation as to why my modification was denied.

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 2018-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX, XXXX Card. Today I tried logging into my account. My login information had been changed. I called online and I was told my address had been changed as well. I have since looked at my past statements and my address was correct and unchanged for the past year. After logging in I found out that my credit limit had decrease. I tried contacting live chat twice. At first I could not type and I was disconnected. I explain what I stated above and I am told we sent you a letter - how did you send me a letter if you claim my address was wrong. I then state that my payments are automatic, never late and my pay scale has increased. I asked when they changed my limit. They refuse to answer and say my credit report was used to lower my limit. I asked for corporate contact email and phone number 6 times and they provide me with a name and nothing more. Then I received a link to provide them with a compliment for customer service. They should not have decrease my limit, lowered my credit score and ignored my requests in writing for information. I tell them that my identity was stolen last year and that was the only way I was transferred to a manager who tells me to have a sunshine day. I want the company investigated for fraudulent practices

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 2018-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bryant, Hodge & Associates LLC
State: TX

Complaint narrative:
In the last 60 days I began to receive calls from this number, XXXX. I did not answer. They kept repeatedly calling. I answered the call and they told me they were with Bryant Hodge and Associates and they were trying to collect a bill. I informed them I did not know what they were talking about and to only correspond with me via certified mail. They kept talking and I hung up. They called me Saturday before last three times within 10 minutes. Each time I told them to stop calling, remove me from their list and to only communicate via Certified mail. They called again today and acknowledged that I had asked them repeatedly not to call and yet they were calling. I told them I was contacting the CFPB today and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-06 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: LEXISNEXIS
State: GA

Complaint narrative:
I have disputed with Lexis Nexis and the credit bureaus alike regarding the reporting of the bankruptcy entries reflected on my credit reports. In my most recent dispute to Lexis Nexis, I advised them that there were inaccuracies reflected in their reporting to the 3 major bureaus. Lexis Nexis responded ( see attached ) that after a reinvestigation of the data in question, they verified that the bankruptcy case number was accurately reporting.

How so? 2 different reference numbers are reflected among the 3 reports. 2 different filing dates are reported among the 3 reports as well as 3 different courts. These are evident inaccuracies that differ on the reports. Reporting per FCRA should be 100 % accurate. These are factual inaccuracies that Lexis Nexis is reporting and has not reinvestigated as they stated. If the reinvestigation had in fact been completed, they would have reflected consistencies among all 3 bureaus. These entries are inaccurate and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX debited my checking account on XX/XX/2018 for {$160.00}. It stated that this was done via telephone. I did not authorized this payment. I notified my bank and they are looking into this matter as well. I tried calling XXXX and they gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I spoke with a representative with Freedom Mortgage Corporation  who advised that the company does not permit account holders to initiate or make payments through its online payment portal, other than the exact amount equal to the monthly loan payment. This representative advised one of the alternative methods is if the consumer/account holder initiates a payment through their customer service number, yet is assessed a fee. I believe that this company 's policy only impedes consumers/account holders from making multiple payment, and is detrimental and burdensome to its account holders. Additionally, the archaic online payment system is simply abnormal business practice. Banks and consumer credit card companies maintain online payment portals that allow its consumers/account holders the ability to issue 1 or several payments in real time, or scheduled in advance.

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 2018-08-06 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: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
No attempt was made to verify the collections disputed. 
I do not recall seeing the original dispute or anything from the company that they claim contacted me. 
There was nothing done to confirm the debt which I do not owe. 
It is a medical debt that was sent to a charity organization at the hospital and paid by them. 
XXXX XXXX is lying when they say they tried to check it out, they made no attempt to remedy the issue and just stamped it as good and put it on my report. 

This is not a legal debt., The original creditor was the hospital that I was admitted to. It went ot a collections agency that did NOTHING to confirm the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation