vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
I received a call from the debt collector XXXX XXXX That I owed a hospital a total debt of {$1400.00}. The woman on the phone told me that if I settled today they would only make me pay half of it, {$730.00}, and that there was a letter in the mail with the same balance owed cut in half as well so I might as well pay today if I can. I decided to pay at that moment on the phone using my credit card. Now, about a week later I have received the letter in the mail, stating a SMALLER, DIFFERENT amount owed to them of only {$430.00}. That is a huge difference of {$290.00}. I spoke with the company today and they said the account had been moved back over the hospital. I spoke with the hospital and they said nothing has been sent over to them yet.

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 2018-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Spoke with rep from naivent about XXXX XXXX XXXX being a closed school and that it needed to be removed from my student loan account and credit report because it is inaccurate and not verifiable. I was told it would take months to know something and that is will be on my report until XX/XX/2028. I have not received any up date on why a school that is no longer in business would stay on my student loan and credit report until XX/XX/2028. This has caused me a tremendous about of stress to my credit score and not being about to obtain credit with this errorous information on my student loan and credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: CA

Complaint narrative:
I have sent Experian over 3 letters to Delete this bankruptcy from my credit report. I asked Experian how they verified this information Experian told me they went to the court to get the information. I contacted a Bankruptcy court to ask if they report to credit bureaus or 3rd party the courts insured to me that they did not report any information. I called Experian to talk to a live person they insured me that they use the XXXX system to verify public records as well as XXXX, XXXX, XXXX XXXX. 
XXXX  Deleted from my report Please delete this from my Experian Report

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 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL

Complaint narrative:
Bayview keeps sending people to my home asking me to contact them. I have already been in contact with them several times. I had to pay two payments this month because my XX/XX/2018 payment was returned un paid from my bank. I made two payments two come out two different dates one for XX/XX/2018 for the XX/XX/2018 payment. And for the recent payment of XX/XX/2018 was made for XX/XX/2018. I currently have the XX/XX/2018 payment to come out on XX/XX/2018. It hasn't yet cleared my checking account for the XX/XX/2018. This is harassment bayview sending someone to my home all the time. Which i am current with my payments. If it makes them mad making complaints well it makes me mad them trying to harass me and lying with them saying they haven't talked to me. And how they go out of the way to send someone to my home and leave a note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: CA

Complaint narrative:
My mortgage company is running me in circles. I have been trying to fix a problem with my escrow IMPOUNDS since XXXX. I have even elevated this to a supervisor named XXXX and it is still not corrected. This is ridiculous!! HELP HELP HELP I filed a complaint on XX/XX/XXXX with CFPB about this problem and it is still not fixed and no one at my mortgage company LOOKS at anything to see that what I am saying and what they are telling me is true. 

They re-ran an escrow statement using the same information that they used previously and the only reason i found out it is the same information is that i asked to see a copy. 
They are impounding me for taxes i paid and theirs are being refunded, even though they told me they are being refunded leading me to believe they are not charging me for the refund, they still are, but the people that work there can't even figure that out and tell me " it is our policy to have you on impounds ''. 

This is the worst service ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc
State: WA

Complaint narrative:
On XX/XX/2017, my XXXX year old daughter had an accident that needs go to emergency room at XXXX XXXX XXXX in XXXX Washington for immediate care. When we were admitted into the emergency room, I provided all information included insurance card, my identification card to the hospital staff. The hospital billed my insurance and I made payment for remaining balance after the claim resolved. A year later, I received a phone call from XXXX XXXX XXXX, phone number XXXX tried to collect a doctor bill that I wasn't awared of. I had to call the hospital and the hospital transfered me to XXXX XXXX XXXX who hired XXXX to handle their billing. I asked XXXX about what bill they are sending me to the collection and why I didn't receive any notification or invoice before my case was sending to collection, according to XXXX, XXXX customer representative, they couldn't get hold of me because they had my mailing address incorrectly. And they sent me to collection and can't not pull it back. Now I have 45 days to resolve the issue otherwise this will hit my credit record. Can you send somebody to collection without their knowledge?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Systems International, Inc.
State: HI

Complaint narrative:
Without any written or verbal notification, this medical facility ( XXXX XXXX XXXX in XXXX Hawaii ) who in fact got paid in full by my Insurance carrier for services rendered, turned both charges over to the collection agency " Credit Systems International '' as unpaid debt. Charges were for service date in XX/XX/XXXX for {$510.00} & XX/XX/XXXX for {$1300.00}. Even the collection company DID NOT notify us, until i applied for Residential Re-Fi in XX/XX/XXXX/XX/XX/XXXX, and was turned down due to Collection status on my record. 
It was then I contacted XXXX XXXX  XXXX who informed me that there was no Balance due and all payments had been received and the Balance on both charges was XXXX. 
Not having us notified at all by both companies has created sever personal/ emotional & financial harm. I thought that by law notifications are required. 
This is not fair and i need your help in taking appropriate action against both companies. Also, do I have a legal course of action available to me for harm done. 
Sincerely looking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I went to the hospital and signed in, however, I left before I could be seen by someone. They sent me a bill for {$760.00} and I called and disputed the bill because I was being charged for service not rendered. Item was placed in collections XX/XX/2018, the original creditor was XXXX XXXX. I left before being seen because I was told I may need an XXXX when I get to the back and I was trying to conceive so I told them I would just come back if the pain got worse. When I received the bill I called and disputed the charges and after speaking with a few different people I was finally told the bill would be removed. Now the bill is on my credit in the same amount of {$760.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
I emailed First Investors Financial Services on XX/XX/18, Due to the Harassing Phone calls that I received during the day. 
As I previously advised a collections Rep about the amount of Voicemails that were being left on a daily basis on a single phone number. 
Calling from different numbers all day long. Phone numbers that are near my own phone number or on XX/XX/18 called from my exact phone number ( spoofing calls ) .This company is based in the XXXX Area and Georgia Area . So why am I getting calls from XXXX, XXXX, XXXX area codes? disguising phone number to collect a debt. Then getting text messages from the company when I did not give the okay to contact me by text message on my cell phone. I also received several emails to my email address advising me to contact the company about my past due account. 
I have been open and honest with this company about the struggles that I have been going through the past few months and still maintain keeping a payment coming in monthly. 
So on XX/XX/18 : I emailed the company about the unfair debt collection practices that they are doing, I got a email back from XXXX XXXX, who stated that he would put my account in a " do not contact status '' and would review the call recordings .Well today XX/XX/18 : I have received Text messages and emails about my account. I did email Mr XXXX back about the issue and advised at this point ive given them the opportunity to fix the situation but that I was at this time going to report them to the CFPB and the Attorney General for further investigation. 
This company is in Violation of FDCPA policies and procedures. 
I do have said emails and copys of my phone log as well.

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 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX allowed some one to call in over the phone and create a credit card in my name and then shipped it to this address under my name : XXXX XXXX XXXX XXXX XXXX GA XXXX in the amount of XXXX, XXXX  was the agency that approved the credit card account ; then when I called XXXX XXXX and spoke with a person name XXXX in the credit card department and she told me I had to file a police report and complete all this paperwork and submit and they will f ... dispute the charges. XXXX LA police report number is XXXX ; FTC.gov report number is XXXX. I sent a dispute letter to XXXX XXXX and I froze my information with all the three agencies XXXX XXXX, XXXX  and XXXX for 7 years or longer until I can get a copy of my credit report and see who else have created cards ' etc. in my name since the data breach with XXXX. XXXX would not give me the information like my social security information that the company used to do this with.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACS Education Services
State: GA

Complaint narrative:
The following unverified items/ Account listed below still remain on my credit report in violation of Federal Law. Under the FCRA creditor is suppost to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. On XX/XX/2014 I was victim of identity theft, in the event I filed a Police Report : Personal Vehicle Auto Theft! Creditors Must provide me a I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX   XXXX Unverified Account XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
*******PREDATORY LOAN ********* *******PREDATORY LOAN ********* *******STAY AWAY ********* I opened a loan with this company back in XXXX. For approx. {$5900.00}. I refinance in XXXX and received an additional {$1000.00}. This brings the total borrowed amount to approx. {$7000.00}. Ive been paying on this same loan for 5.5 + years every month for {$250.00} and was never late. That a total REPAYMENT amount I have made up to now is approx. {$14000.00}. I recently lost my job and the company is now harassing me saying that I still owe approx. {$3900.00}. The company has posted the late payment information on my credit report which has lowered my credit score. This has hurt me really bad. How is it possible to borrow {$7000.00} REPAY a total of {$14000.00} and still owe almost {$4000.00}??? This is unreal and probably illegal on the part of this company!!! Stay away form this company. I feel like if I have not been late and have repaid a total amount of around 200 % from the original amount borrowed I SHOULD NOT OWE money. My balance should XXXX!! Looking over my documents the APR is 36.00 %. doing the math on this at the very best I should only owe approx. {$1000.00} to have the total 60 months agreement payment fulfilled. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX repeatedly uses the phone to annoy me and by mail. Misrepresentation of amount owed. They have lied about government representation. Left voice messages threatening my arrest. Threats to forward account to an attorney. Left voice messages for me to meet them to be served papers. Left voice messages at my job about me going to be arrested, debt owed, etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I checked my credit report, after the report came back there was loan on there that showed up under my soft inquiries as well as few more. I called the company and was told that they could not tell me when I tried to get the loan because I wouldn't tell them my Social Security number. 

With that being said I looked a little further and got all three of my credit reports, that is when I noticed and showing up under " previous address and personal information ''. This address is not my address nor have I ever resided at this residence. I put a credit alert on my credit report at this time with Transunion. 

During my paramedic program XXXX we are required to have a criminal, background check performed. The company XXXX is who it is through, in the report of my results for my criminal background check the section " previous address '' had the same incorrect address listed for my residence in XXXX. As stated I have never lived there nor have I ever put this place as my address.

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 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have secured funds to bring my mortgage current for the mortgage payments that I am behind. 

I am working with the XXXX XXXX XXXX as well. 

I am only behind since XX/XX/XXXX through XX/XX/XXXX. 

That is total of 32 months. The reinstatement letter does not reflect the actual months I owe. 

I can only afford to pay the months owed to get back on track. 

That amount is {$7500.00} I would like a corrected reinstatement and then I can forward to the Servicer.

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 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I had a medical bill from XXXX. I received a few bills from them but then they stopped - i figured my insurance accepted the bill. I have not received any bill since XXXX and I've never rec 'd a bill from commonwealth financial before. I found out it went to collections when it showed up on my credit. After I disputed with credit company they sent me a bill. How can you go 5 years not reporting to credit company for a debt and then report it to credit with no new bill. Ive been at the same address for going on 2 years now. Nothing from them until today XX/XX/XXXX. The debt is from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Please reference CFPB Cases # XXXX and # XXXX. 

XX/XX/2018 : SLS responded to CFPB and indicated that my credit file was not affected by any derogatory report from SLS and the issue was closed. Obtained Release of HELOC from SLS prior that representation to the CFPB. Note also that SLS and XXXX indicated in multiple written correspondence that no derogatory information would be submitted to the reporting agencies within 60 days of loan transfers in accordance with federal law. 

XX/XX/2018 : I called and notified SLS that late payments were reported on my file. XXXX, in the executive office denied that SLS had reported such information since I had no such outstanding balance. 

XX/XX/2018 : Wrote to SLS to produce evidence to the false claim made to the CFPB that I indicated a prior forbearance agreement and expressed interest in disaster-related loss mitigation. Other evidence requested for other false claims made. No evidence was provided. SLS simple made this up. 

XX/XX/2018 : Wrote to the credit agencies asking to produce confirmation on which entities had reported these derogatory information. XXXX  removed the information while XXXX   XXXX kept the inaccurate information. Confirmation Received

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX  stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX

Company response to consumer: Closed with explanation