vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am not sure where to turn. I received notification from XXXX XXXX about a new collection that is reporting on my file that I knew nothing about. It's a company called Ability Recovery Services. It shows it was for a medical provider XXXX XXXX XXXX XXXX XXXX and opened XX/XX/XXXX. I have not been to the hospital in years so I called them to find out what this is or if this was a mistake. They told me it was from a debt back in XX/XX/XXXX. I never received anything in writing about this from Ability Recovery or anyone else for that matter. I asked the customer service person what location it was and she didn't know. I asked what they would settle for and she said {$700.00} I know had I was made aware of this at the time I would have been able to get help from the provider on the cost. The women told me that I should have done it then when it was with the provider. Again I was never told or I would have. She was extremely rude and all I was trying to do was get information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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:
Experian and XXXX are reporting incorrectly a collection in the amount of {$1500.00} on XXXX XXXX XXXX account number XXXX***. ( Please see page attached from my credit report. ) This medical collection account was reported recently on my credit report and is fraudulent. I called the collection agency and this account is from a hospital in XXXX, Arizona. I have not lived anywhere near XXXX, Arizona for over ( 17 ) years. They said that the collection was for my daughter whose name is either XXXX or XXXX. ( The representative was very difficult to understand. ) My daughters name is not XXXX nor XXXX. The names are not even close to similar. My daughter does not live in Arizona and she has her own health insurance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 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: Trident Asset Management, L.L.C.
State: WA

Complaint narrative:
I asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have disputed several times they are reporting open loans to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$1500.00} on XXXX XXXX XXXX  account number XXXX***. ( Please see page attached from my credit report. ) This medical collection account was reported recently on my credit report and is fraudulent. I called the collection agency and this account is from a hospital in XXXX, Arizona. I have not lived anywhere near XXXX, Arizona for over ( 17 ) years. They said that the collection was for my daughter whose name is either XXXX or XXXX. ( The representative was very difficult to understand. ) My daughters name is not XXXX nor XXXX. The names are not even close to similar. My daughter does not live in Arizona and she has her own health insurance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The Credit Reporting Agencies such as XXXX, Trans Union and XXXX purposely keeps old information on credit reports to ensure a low credit score with certain customers.Scores remain the same for years when improvements have been made on payments, opening of new accounts and lowering the amount of credit debt.This process delays the consumer from establishing a good credit score and it seems like a game is being played with the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
RE : XXXX XXXX XXXX CD ACCOUNT ending in XXXX This is a CD account. EWS has told me that CDs are not subject to reporting with EWS. The account was closed XX/XX/XXXX yet on my EWS report there is information showing XXXX cents in interest paid on XX/XX/XXXX. After being on a call with XXXX  XXXX XXXX for 2 hours and 53 minutes I'm told that they are unable to locate the account. 

The information regarding the CD account is false and should be removed from my EWS report especially since CD accounts are not subject to reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am a senior citizen on XXXX a fixed income. due to my condition a modification was negotiated with Ocwen loan Servicing LLc in XXXX with a deferred {$XXXX} at loan term in XXXX. after much litigation, as Ioan had no prepayment penalty I paid all bearing interest principal in full, {$XXXX} monthly payments were made {$XXXX} principal & {$XXXX} escrow. Ocwen then decided to refuse monthly payment after a year of litigation they realized I was complying with modification terms. in XXXX Ocwen decided to modify except they demanded I pay {$XXXX} to start modification. to me it was surprising as I never heard of payment to modify person 's loan on XXXX. ocwen refused paymwents twice, then I included Ocwens representative 's correspondence which stated I was to pay principal bearing interest first then with no penalty. 
as seen in attached documents, with my family 's help I managed to pay all monthly payments in addition XX/XX/XXXX {$XXXX} in following months We paid another {$XXXX}. in XXXX we paid over {$6000.00}. XX/XX/XXXX taxes and insurance as seen paid into escrow. PHH is demanding more escrow for projection which is unfair as I already send my entire Social Security check to satisfy loan. We no late payments or past due except PHH wants to add over {$3000.00} dollars to loan for projections. I advised PHH that my modification is specific to exact payments due to limited income. to no avail even talking to managers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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:
There are two accounts reporting on TransUnion with a company by the name of XXXX XXXX. I have never had any type of account with this company. I even tried to look it up on line and there is nothing that matches this company. I don't have any type of loan with them especially not 2 of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a XXXX Visa Credit Card issued by Commenity Bank. 
I received an email from XXXX, the retailer, selling a XXXX XXXX instant pot. At the top of the email it said, Horray! you have an available credit line of XXXX. 
This email came unsecure with my available credit amount in it. 
I contacted Commenity Bank on XX/XX/XXXX at XXXX at XXXX and explained my concern of my available credit being sent in unsecure email and I didn't authorize this and I would like my privacy updated. 
She transferred me to XXXX XXXX customer service. ( I found out they are a division of XXXX ) I explained my reason for the call, she said she couldn't do anything for me. 
I called XXXX XXXX three times at XXXX XX/XX/XXXX at XXXX est, XX/XX/XXXX at XXXX est and XX/XX/XXXX ( twice this day ) once at XXXX and once at XXXX. I was transferred to their corporate customer service. I had to leave a voicemail. I never received a call back. 
I do not want Commenty bank sharing my available balance with XXXX so XXXX can blast that out in an unsecure email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I SOLD my house on XX/XX/2019 and the money to pay off the mortgage was 'WIRED '' ELECTRONICALLY in the amount of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$76000.00} ) to M & T Bank on XX/XX/2019. This was 'VERIFIED ' by Closing Attorney 's office as to the amount of Pay OFF that was due under mortgage account XXXX. To date ( XX/XX/2019 ) M & T bank has NOT UPDATED to show that I have a XXXX balance with them and that the mortgage is PAID IN FULL. This is effecting my " CREDIT '' and should have been UPDATED BY NOW. I DO NOT OWE THEM ANY MORE MONEY!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Amerihome received my XXXX mortgage. I have confirmation and receipts from both Amerihome and XXXX XXXX, who I bank with. My next mortgage payment was due XX/XX/XXXX. No late charges should be assessed as today is XX/XX/XXXX. According to Amerihome 's policy that is all over their website ... .payments received more than 16 days after the payment due date may require a late charge of {$36.00}. However, agai, the date today is XX/XX/XXXX, today so we are still not at the point to be assessed a late fee. Furthermore, when we logged in to pay XXXX 's mortgage, we see that Amerihome has charged us again for XXXX 's mortgage despite the fact that they received XXXX 's mortgage IN FULL. Repeated contact to the company to correct the issue has yielded no results. We will be moving forward with issuing formal complaints and investigations with this company.We want immediate correction of this issue right away. 
Now, we got a loan document talking about foreclosure when we are not delinquent on any payments. As of XX/XX/XXXX, we owe one payment XXXXfor XXXX only*. 

In conclusion, we have issued statements from XXXX XXXX confirming every single month we have paid Amerihome. There are confirmations of receipt also on Amerihone 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advantage Credit, Inc.
State: FL

Complaint narrative:
Advantage Credit Inc lock our account. We had to re pull our clients reports which could have resulted in a client score changing. This action also could have resulted in the client not receiving a home loan they had qualified for with the report we had pulled from Advantage Credit Inc. Under no circumstance should we have been locked out and unable to use the reports. I reviewed the XXXX XXXX XXXX standing and  found 12 complaints in the last 12 months. We also reviewed the XXXX reviews and found the same issues where they failed to due diligence to update or give access to lenders or brokers accounts. I am very concerned that this company will hurt a consumer 's ability to obtain a loan in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Podium Mortgage Capital LLC
State: UT

Complaint narrative:
Pinnacle Capital Mortgage Corp - Servicing On XX/XX/XXXX I submitted a request in writing via certified mail to exercise my federal right to have my PMI removed. I called on the following dates to follow up and on the last call I was told that someone would contact me by the end of XX/XX/2019 and no one has done so to date : Call in dates : XX/XX/2019 ( twice ) call was disconnected XX/XX/2019 XX/XX/2019 It  is now XX/XX/2019 with no contact from the servicing company. Federal law allows for me to make this request and for them to have the  correct information in my file - which remains in error despite my repeated attempts to correct this and my escrow balance. 

Please help

Company response to consumer: Untimely response
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2019 @ XXXX XXXX, I received a call from XXXX from someome saying they were with CAPITAL ONE and that this was my'final courtesy call to lower my interest rate'.  I JUST GOT MY CAPITAL ONE CHARGE CARD LESS THAN A MONTH AGO and I was never charged any interest!  I haven't even received my first monthly bill report! They then asked for my FULL 9 DIGIT SOCIAL SECURITY CARD # so I KNEW for sure it was a scam/fraud because NO BANK EVER ASKS FOR THE FULL NUMBER!  I hung up and called the number on the back of my card and they verified that number is NOT Capital One and that it was a scam to get personal identity information.  They gave me an email address to report the number/situation to Capital One for abuse reporting and also recommended I report it to you via this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: GA

Complaint narrative:
this card is a DIRECTEXPRESS DEBIT CAR it is set up thru social security and is the only debit card you can use to receive benefits on, it you don't have a personal checking account. 
the problem started on XXXX XXXX my benefits amount was put on the debit card this is when my problem started some withdrew all of money on XX/XX/XXXX when I signed into my account everything was gone a total of {$1600.00} I called the company every hour of the day for three days could thru. 
I called social security and they could not get thru either I was told the only thing I could do is keep calling on XXXX, I got thru I discovered that someone had called in and changed my home address on XXXX XXXX at XXXX XXXX. That morning also they called and ordered a new card on XX/XX/XXXX had it expedited and that was another {$13.00} this is not included in the total above, I paid this money for someone to steaI my debit card. when I talked to them on the XX/XX/XXXX they closed the stolen card and put my home address back on the card they issued the new card I received the card on Monday XX/XX/XXXX, at the same time is when the post card came telling me about the change of address on XX/XX/XXXX had they sent this when it was changed I could have stop it before my money all stole I called them back they had not even put in for me to my money back. the claim # isXXXX this is thru direct express, I also have a case number with XXXX county sheriff office # XXXX there phone # is XXXX. and after talking direct express they can't tell me when I am going to my money said it would 30 to 90 days. not only is this not fair to me I'm on social security I have no money until they return it this was there fault they changed my address and sent the crooks a new card then they activated the card they also changed my pin number to get my money what is so upsetting is how long they take to answer the phone there is no REASON for them to take three days to answer the phone I called every even thru the night it always said they were experiencing high call volume then it hangs you up and you call back and it does the same thing this is not right I want them to put my money in right away

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
I have disputed on my credit bureau. I do not owe them money they are claiming {$XXXX} dollars I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select portfolio once again continuing their insurance fraud act on my mortgage account. I have received a renewal notice. I have no obligation to have hazard insurance and mortgage payments on my home, according to my defected permanent home modification. But select portfolio have been collects a unlawful debit every month. Select portfolio has force me to pay a fraudulent insurance that doesn't exits. Select portfolio collected {$680.00} fraudulently and want to collect this coming year. I am Asking here the full name the officer who examined my mortgage and ordered that I have to pay Hazard insurance. The Documents you sent me last time to justify your decision is qualifies intentional fraudulent misrepresentation and deceitful documentation. I am asking Select Portfolio the provide the full name of the officer. I finalized my investigation last month and I have full understanding the scheme you are participating, I will file a case against all players the coming three month. my goal is that innocent home owners never go through, what you put me through.

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