vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my FICO score went down from XXXX  to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX  the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. OnXX/XX/XXXX I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXXXXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: CA

Complaint narrative:
I am a victim of victim of identity theft and fraud. My XXXX XXXX  account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX I faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already theXX/XX/XXXX and nothing has been done. Attached to this complaint is a copy of what has been sent to them lastXX/XX/XXXX and what I sent them again today XX/XX/XXXX( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an XXXX  ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.

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 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I have been disputing a medical collection with Financial credit network for several months now that is not mine and i believe its due to my identity being used by someone other than myself. XXXX and XXXX  has removed the account from my credit file but XXXX is still reporting it and keeps sending me notices saying its verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: MO

Complaint narrative:
I noticed this account from Enhanced Recovery on my credit report and the original creditor is XXXX XXXX  for the amount of {$280.00} that they say it was opened on XX/XX/XXXX like it's a new account. This same account and creditor was disputed twice with two prior collection companies XXXX XXXX XXXX sent a removal letter datedXX/XX/XXXX which they removed from my credit reports and the other company XXXX  sent me a collection noticeXX/XX/XXXX and the dates did not add up so XXXX removed the account off of my credit report. Now Enhanced Recovery has purchased this account and added it to my credit report like it's a new debt which is not legal because one it has been discharged in my bankruptcy and I no longer owe anything on this account and it's not a new account. This is affecting my credit and I would like Enhanced Recovery to remove this off my credit report with all three credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
We were trying for a year and a half to have the Lender and the investor to review our short sale request. We submit and offer that is Fair Market price but this Lender and special a woman by the name XXXX XXXX  from XXXX XXXX was doing everything in her power to delay the process despite of our daily inquires. We had to file for Bk twice already in order to postpone the upending foreclosure. We were denied by this woman to know the name of the actual investor of the mortgage loan. And when we called XXXX  we were entangled in the lender 's net with no one there to answer our questions.

The Deed of Trust we signed when we purchase the property allows to apply for a loss mitigation and XXXX XXXX is denying this right. XXXX  is a subcontractor, just the servicer of the loan only, not the actual lender itself.

We need the Investor to see our short sale offer and make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
On XX/XX/2018, I successfully sent a money transfer in the amount of {$600.00} online using MoneyGram to a family member in XXXX That family member went to an authorized MoneyGram cash pick up servicer and was advised that there was an issue and the money could not be picked up. I contacted MoneyGram and was advised by Customer Service as well as the Escalation department that " the receiver has exceeded their limit for the area ''. When I asked what that meant, I was told that " MoneyGram must abide by all regulations, local, state and government and our system is showing that the receiver has exceeded their limit for the area ''. I continued to ask the Customer Service representative what regulation are they abiding by and where could I find this information and the Customer Service representative could not provide any additional information. I asked to speak to a manager and was transferred to the Escalation Department where I was given the same information but they still could not advise what regulation they were abiding by that referenced a person receiving funds had exceeded a limit or even what the limit was. I would just like to know what regulation MoneyGram is required to enforce regarding a person receiving funds so that I can be best informed when sending funds. How can MoneyGram state they are abiding by a regulation and not provide the regulation they are abiding by? The end result was that they cancelled the transaction and advised my funds would be returned within 3-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
JcPenney has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Opened AmEx Delta card in XXXX 2017, complied with the requirements to have XXXX bonus miles. Never got the bonus miles. Speaking with them for 9 months now, " glitch on our end, we are working on a fix, will be fixed SOON, give it another 4 weeks, etc ... '' getting a runaround ... Can't talk to the team working on the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, my FICO score went down from XXXX  to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX. On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX. The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. On XX/XX/XXXX, I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, onXX/XX/XXXXXXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX. I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.

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 2018-05-03 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: CA

Complaint narrative:
On XX/XX/XXXX, my FICO score went down from XXXX to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX, the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX. On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX. The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. On XX/XX/XXXX, I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXX XXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX. I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.

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 2018-05-03 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: CA

Complaint narrative:
I am a victim of victim of identity theft and fraud. My XXXX XXXX  account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX, I  faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already the XX/XX/XXXX  and nothing has been done. Attached to this complaint is a copy of what has been sent to them last XX/XX/XXXX and what I sent them again todayXX/XX/XXXX ( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an XXXX ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services is repeatedly attempting to collect 3rd party debt operating in XXXX, South Carolina.I am receiving new call and mail from Resurgent Capital Services on Debt from 2003. Statue of limitations is long gone. They are using their affiliate or associate XXXX for collections. XXXX  needs to stop taking my old accounts and contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I did not give the original creditor permission to share any of my information with this company, I also do not owe this company any money. I have sent letters also called for this company to remove this debt from my credit which is causing me not to be able to buy a house, this company is harassing me for a payment I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I am having trouble locating a release of a mortgage I refinanced out of that was previously through GMAC mortgage on XX/XX/XXXX. I've contacted the servicer that I recall was servicing the loan, OCWEN, which was unable to help us. They claim that they took on servicing in XXXX and had no records prior to that. GMAC mortgage went out of business or sold to various other parties after the refinance. We are unable to locate any party who is responsible for maintaining GMAC records closed prior to going out of business. We have contacted XXXX XXXX on advice of title insurer which believed that XXXX ( now XXXX XXXX ) took over many of the loans by GMAC.

We had to take out a personal undertaking with XXXX XXXX XXXX XXXX as a result of our inability to obtain the release. We are seeking assistance from the CFPB to assist in contacting OCWEN and other servicers to find who to contact for the release so we can discharge our potential future liability on the release.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: CA

Complaint narrative:
I have been trying to work this issue out with the original billing office ( XXXX XXXX XXXX XXXX XXXX ) The XXXX refused to put the billing on hold while our insurance company ( XXXX ) was negotiating with them. 
The insurance company has informed me, that I do not owe any money to this doctor. 
An amount was negotiated with XXXX by my health insurance. 
The amount they are still asking for is not owed.

The insurance company has informed me that XXXX XXXX XXXX is asking for an amount that is not valid. 
They say that this is a dishonest practice called " Balance Billing '' where a medical practitioner tries to bill an amount they are not entitled to. 
XXXX of the CMRE collection agency, informed me that XXXX XXXX is not accepting the offered amount of the insurance company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I opened a XXXX America Express card on XX/XX/XXXXwith a bonus offer to receive XXXX  XXXX points after spending {$3000.00} in the first three months. I reached my required spend on XX/XX/XXXX.

As of XX/XX/XXXX I have not received my bonus points. I have called American Express 5 times, on XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ). Each person verified that I had met the required spend to earn the bonus and that it was being looked into, forwarded to marketing, escalated as a high priority ticket but have not been credited my points.

Complaint number : XXXX  Member # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
Received alerts on my credit reports that this was added. I called the company, gave them my name, address, SS, DOB, etc.. They couldn't find anything with regards to me in their system. Not sure how or why this showed on my credit if they didn't have any information on me at all. 

XXXX XXXX XXXX  . 
Medical Bill Original Balance : XXXX Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : 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 2018-05-03 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: GA

Complaint narrative:
Please have the following items remove from my report they do not belong to me. 
Company : XXXX  Account:XXXX  Company : XXXX   Account:XXXX  Company : XXXX XXXX XXXX Account:XXXX   Company : XXXX XXXX XXXX Account:XXXX Company : XXXX XXXX XXXX  Account:XXXX  Amount : XXXX

Company response to consumer: Closed with non-monetary relief