vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: FL

Complaint narrative:
Filing complaint against Merchants and Med Cr ( M & M Credit ) On  XXXX   XXXX ,  2017 I sent  a letter  to M & M Credit to request debt validation for item li sted on Credit Report as I have never done business with them nor have I ever heard of their company. In the letter, I requested several pieces of information to validate the debt ( see let ter )  The letter was sent via certified mail and arrived on  XXXX   XXXX ,    2017  at  XXXX  ( see documentation ).     I received a letter dated for  XXXX    XXXX ,2017  with a " bill '' that they claim that I owe. This " bill '' they sent looked like it was created online. I basically did not receive the information requested to validate debt.     On  XXXX   XXXX ,  2017 I  sent them another letter basically listing the above. I requested immediate removal if they were not able to provide requested documentation and asked them to respond within 15 days as the 30 day window originally provided has passed. ( Please see letter ). This letter was also sent via certified mail and arrived on  XXXX   XXXX ,  2017 a t  XXXX  ( see documentation ).     I still have not received a response back from  M & M  Credit. I pulled my credit report yesterday  X/XX/17    and they are still listing this debt that I have no idea of. Not only do I not recognize this company, but their reporting to the credit bureaus is completely inaccurate. Please see attached sheets from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ashfield Management Services Inc,
State: FL

Complaint narrative:
This is in follow up to complaint  XXXX . Since filing that complaint,  XXXX   XXXX  has called my place of employment and left a voicemail advising me to contact him regarding " a complaint against me ''. This call was placed AFTER I called and told him not to contact me further and tried to give him my bankruptcy attorney 's information which he refused.  XXXX  reports that he works fo r Ashfield Management Services at   XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY. This call was in blatant violation of the FDCPA and I am now owed {$1000.00} for this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX .    XXXX  account that went to collection. I was getting a divorce and my wife did not pay the bill. I would like this removed from my credit report out of good will.    XXXX . I paid the bill  XXXX / XXXX / XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
A transfer was not available as promised with the reference number of  XXXX  using  MoneyGram c ompleted on  XXXX / XXXX / 2017 .  XXXX  in  XXXX   XXXX  proceeded to pick up the transfer and had problems. He was told to contact me and have me call in  MoneyGram  at  XXXX   XXXX   XXXX . Today  XXXX / XXXX /   2017  I called in and spoke with a female customer service representative that stated she would do a refund which was not my request. I told her I did not call for a refund. I called to have the error fixed with the recipient picking up his transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Date of birth : [  XXXX / XXXX / XXXX  ] Transunion,  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , PA  XXXX   XXXX / XXXX / XXXX  Dear Transunion, Please provide evidence the following accounts belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.These companies are attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay these companies any money. A bill is not a contract. And the stature of Limitations are up on these debts. The following companies are in violation of : the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, Defamation of Character and the  HIPPA Law .   Account Name :  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: IL

Complaint narrative:
XXXX  's client  XXXX   XXXX  ( formerly  XXXX  ) is an identity theft victim. Someone used her information to apply for a credit card with  XXXX   XXXX  A dispute of the application was submitted to  XXXX   XXXX   XXXX / XXXX / XXXX  certified mail with return receipt. In  XXXX   XXXX  a review of her credit reports was conducted and the  XXXX   XXXX  inquiry was still listed. Contact was made with  XXXX   XXXX  and we were advised that by  XXXX  the inquiry would be removed. A check of the credit report was done again in  XXXX   XXXX  and the  XXXX   XXXX  inquiry was still listed with  Trans Union. A formal dispute was sent electronically to Trans Union   XXXX / XXXX / XXXX  ; as of  XXXX / XXXX / XXXX   Trans Union  confirmed  XXXX   XXXX  is reporting the inquiry as valid. At this point there are now several violations of the FCRA from Both  XXXX   XXXX  an d Trans Union.

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 2017-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX .    XXXX  account that went to collection. I was getting a divorce and my wife did not pay the bill. I would like this removed from my credit report out of good will.    XXXX . I paid the bill  XXXX / XXXX / XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I HAD A COUPLE OVERDRAFT FEES CHARGED TO MY ACCT THEY DID A REVERSAL DO TO A COMPANY ERROR AND I DEPOSITED THE MONEY FOR PENDING TRANSACTIONS AND NOW I GOT ANOTHER  XXXX  OVERDRAFT FEES FOR THOSE SAME TRANSACTIONS.. THEY WILL NOT REVERSE THEM. SO I GOT CHARGED  XXXX  FOR A  XXXX  DOLLAR  XXXX  'S   XXXX   AND A  XXXX  DOLLAR LIFE INSURANCE PAYMENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unlimited Progress Corp
State: PA

Complaint narrative:
On  XXXX / XXXX / XXXX  I was treated at,  XXXX   XXXX   XXXX , an ER at a hospital in  XXXX   XXXX . The hospital remitted an invoice to me in the amount of {$720.00} claiming that I had no underlying health insurance coverage. I made repeated calls to the billing department explaining to them that I did in fact have health coverage and gave them my insurance  carrier  information,  XXXX  of  XXXX , PA, as well as my policy number.     I continued to receive an invoice indicating an outstanding balance. After repeated cal ls ( 3-5 times ), I arra nged a conference call with the billing department of the Hospital and the claims department with  XXXX . The apparent disconnect was an improper " billing code issue ''. At the termination of the conference call, I was assured that the claim was now properly addressed and that I could consider the matter closed. At this point I shredded my file on the matter-therefor I no longer possess specific information as to the origins of the claim, hospital name. etc.     Today,  XXXX / XXXX / XXXX , I learned via my  XXXX  credit report that this invoice was never paid ( or if it has been paid, it was referred to collections nonetheless  ) a nd I now have a delinquency on my credit report. Subsequent to my conference call with the hospital and my insurance carrier, which would have occurred on or around  XXXX  of  XXXX , I NEVER received any additional correspondence from the hospital or their billing department indicating that this invoice was never satisfied.     Consequently, I am contesting the validity of this debt ; I would like this item immediately removed from credit report, and would like to pursue any all remedies available to me under the laws of the state of Illinois as well as any remedies available to me under the relevant federal consumer financial protections.     I can be reached at  XXXX  or at  XXXX  XXXX  XXXX .     Thanks you fro your assistance in this matter.

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 2017-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Hello, On  XXXX   XXXX ,   XXXX   I applied for a home equity loan threw  Pen Federal cr edit union.   the request was for  XXXX  at  3.75 p ercent and the length was 60 months. During the process, we had a dispute with our loan processor. I composed an email and requested and received another processor. In the email I stated I was worried that I would receive an unfair offer. She advised all my documents were in order and she would expedite the procedure since  6 weeks had gone by. I asked If they already ran my FICO  score and she replied yes. At this rate I had no option but to wait for the offer.     On  XXXX   XXXX ,   XXXX   I receive a written offer for  XXXX  for 180 months at  4.99  percent.   I refused immediately. My FICO score is  XXXX . I have  XXXX  house with  XXXX  remaining on the loan. I have assets that total more than request amount. My employment has been steady for last 20 years.     In the offer they stated I had too many credit inquires. I never missed a single payment on any creditor.  Pen Federals  website does n't even offer a term of 180 months. it is my belief they operate dishonest banking practices, classic bait and switch, and have discriminated against me for personal or age related reasons.     Thank you.

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 2017-05-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint narrative:
I have been trying to get a copy of my free annual consumer report from equifax and am unable to do so because  XXXX  only has automated options there is no option to talk to a  XXXX  rep at all very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage short paid property taxes from escrow account.
Freedom Mor  tgage stated refusal to pay full tax amount prior to foreclosure process date.    Property Owner was  forced to make tax payment in order to avoid foreclosure.    County  transaction record clearly states payment made b y Owner though Freedom Mortgage claims they made payment.

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 2017-05-17 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: VA

Complaint narrative:
I 've spoken with Transunion by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     C redit Inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX    Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA   XXXX     XXXX   XXXX   XXXX   XXXX    Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On    XXXX   XXXX     2017 I   d eposited a check from  XXXX   XXXX     in5o my account in wells fargo bank they released  XXXX  and told me they wont release the rest for 13 days in what!   XXXX   XXXX   XXXX    bank holds a check for  12    XXXX   XXXX   XXXX   days when the bank is in the same state and because of that holds which was their to get me out of debt they continued to charge me overdraft fees that just made me spiral downwards. I want answers I want to know how your protecting my money as a consumer. I want answers NOW!!!!!    XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX   XXXX   XXXX  HARD INQUIRY- XXXX  I called TransUnion on  XXXX / XXXX /  XXXX   and the Customer Service would not help me remove this inquiry even though its not supposed to be on there.

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 2017-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has with no explanation blocked me from calling writing a letter or online to check or dispute my credit report they keep telling me its not there problem. And when I confronted them by phone on hard inquiries the did n't have any information on the inquiry other then my name with it no social security number or date of birth they are letting companies check report without proper proof I asked them to check my report they will not fix the problem some of the companies I contacted didnt even have me on file I even applied for credit ever, and some companies I try to find are not even a company and the number on the reports for the companies are disconnected and they will do nothing about it.

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 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
I have several issues with  PHH  XXXX   XXXX . I have requested my  XXXX  for fiscal year  XXXX  and have not received a copy needed to report my taxes. They will not post the documents on the online system neither will they provide the information on line. When I contacted them for the documents they stated that because I am in litigation with them they have to go through their attorneys to process the request. This has resulted in me being late filing my taxes and subject to late fees and penalties with IRS.     In addition, the litigation has been going since the beginning of  XXXX  and I can not get them to address my complaint about the failure for them to post my mortgage payments and interest correctly while in bankruptcy. At the beginning of bankruptcy, I owed them $  XXXX  and at the end of bankruptcy, I owed them $  XXXX  plus an additional  XXXX  for other fees. The payments made are not properly reflected over the time period.     The agreement we made under the bankruptcy was to pay {$2900.00} months during the bankruptcy period to cover what I owed. However the payment history reflected an amount of {$3500.00} being constantly billed to my account. If this is the amount that I should have been paying then why did they make the agreement in court that the amount of {$2900.00} would satisfy my loan.     No principal payments were posted in  XXXX  and  XXXX  ... .the {$2900.00} is not reflected in the totals of the escrow and interest amounts. Where is this money reflected in payment history!!!!!!     The next issue is that the principal balance as of  XXXX / XXXX / XXXX  was {$340000.00}. Then the payment history for  XXXX  show a balance of {$400000.00} but they send a document wanting me to sign saying we owe $  XXXX . So, they are not holding to the agreement that our {$2900.00} payments are satisfying the loan. They have increased the interest under their agreement and not letting us know that the amount has increased and we need to make the {$3500.00} payment. They have breached their contract of the {$2900.00}. Then they do n't give us documents to support the interest paid for IRS. requirements.     Their practices are not fair!!! and they do n't want to pay my attorney fee but provide me with  XXXX  that do n't meet the attorney fees and additional trustee fees, and IRS fees that I now owe due to them not settling the matter in adequate time.     Overtime they correct the payment history the amounts change to fit the bank. See all the documents that I have submitted with changes they posted to payment histories. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Tax Lien information is incorrect, The account is showing on Equifax and XXXX. XXXX : XXXX XXXX XXXX XXXX Docket # XXXX Equifax : Tax lien filed on XX/XX/2008 Type Tax lien Court number XXXX Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have made portfolio recovery aware  on 3 o ccasions that the debt that they were trying to collect did not belong to me. the accounts  XXXX  for the amount of  XXXX  and the account  XXXX  for the amount of  XXXX . I have requested documentation that validates the debt belongs to me since they have not removed it being notified that the debt was not mine. I spok e to one agent that said they would just sell the debt or sue me so i may as will settle it to get  rid of it. I spoke to the next agent after asking for validation again they sent me credit card statements with my name on it for validation. I told them if someone opened an account fraudulently it would be in my name. I sent them a copy of my signature to verify signatures. The agent then instructed me that they do n't have any signatures, contracts, applications or identifications. Yet will not remove this fraud account.

Company response to consumer: Closed with explanation