vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I've had a really rough time with CMRE Financial Services for nearly a year. During this time, they have violated all norms of decency : from calling repeatedly despite me asking them to stop calling, to trying to continue to collect after it was referred to my insurance, and then reporting an unpaid bill to XXXX   after the bill was paid in full by my insurance. 

This all began last year after I was admitted to the emergency room for a sudden XXXX event, after which I had to pay several thousands of dollars in medical bills ( which were paid on time and in full ). Several months after this visit, I received threatening calls from CMRE ( e.g., " If you do not call now we will pursue legal action '' ). Much to my surprise, they were trying to collect on a medical bill I had never received. Callers were aggressive, disrespectful, and gave wrong/misleading information in attempts to collect debt ( e.g., multiple notices had been mailed, legal action would be taken if not paid, insurance would not pay for services, etc. ). Worst, after checking with my insurance, it appeared to be linked to overbilling for medical services that were never received. After reporting this to my insurance company ( XXXX ), they began negotiating with CMRE to bring the original bill down and pay the remainder that was due. During this time, CMRE repeatedly called me, telling me to pay in full or else they would take legal action. 

Fortunately, my insurance was able to get them to remove excessive charges and paid the rest of the bill in full ( see attached ). Despite this, CMRE still sent this dispute to XXXX, which results in a derogatory remark and a 22 point drop in my credit score ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
On XX/XX/2020 I received an alert on my credit file from XXXX, XXXX  and XXXX  that there was a collection added to my account from a company by the name of Sunrise Credit Services for an  amount due of XXXX the company has not sent no form of validation, sent any information in the mail or anything.Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.

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 2020-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank closed my account after a fake loan company deposited a bad check into my savings account in XX/XX/XXXX. I filled out several pages of identity theft paperwork notarized affidavit, name of loan company, phone numbers, etc. US Bank closed my account after that with a charge off due for the bad check amount, ruining my credit score. In XX/XX/XXXX my score was XXXX in XX/XX/XXXX my score plummeted to XXXX. Please help.

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 2020-03-03 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 — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I first found out about this debt because a third party collector sent me a letter in the mail with no information just stating I owed lvnv funding {$1100.00} and they appreciate my {$10.00} payment in XXXX but they need me to pay the rest off. First off I never made a payment because I was completely unaware of any debt. Second I contacted the company that actually collects their debts, resurgent, because there is a collection account under lvnv funding on my credit report and I recieved an email saying they have no account for me. Yet I have a collection account on my credit from them. So they asked for an account number but I do not have one because I just found out I had anything on my credit from them but I do not know what it is even for let alone an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
PayPal credit has continued to contact me regarding a balance even though I have have not used them. In XX/XX/2019 I requested an itemized statement of charges and to date have never received anything. I have not used PayPal credit, did not buy anything from vendor listed who also is out of business and not fielding any inquiries. Bottom line is I did not carry a balance with them and they refuse to help resolve.

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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
On XXXX XXXX I submitted an application for a Home Mortgage with Movement Mortgage. On XXXX XXXX I was contacted by XXXX XXXX, stating that he received by information and that he was working on my application. On XXXX XXXX I was sent an email from his assistant XXXX XXXX, she requested various sensitive documents from me. In addition, on XX/XX/XXXX, I spoke with XXXX via email regarding my loan, and I advised him when to contact me should he need additional information. XXXX XXXX I received a call from XXXX XXXX, requesting I upload a photo ID. XXXX XXXX I received an email from XXXX requesting documentation, I went to the movement mortgage website uploaded a host of documents, I followed up with XXXX and XXXX XXXX XXXX, XXXX informs me via voicemail that she still needs more documentation ( the same documents I sent her prior ) I emailed her explaining what was sent and what was uploaded on the website. I followed up with XXXX on XX/XX/XXXX, I get a response XXXX XXXX asking for more documentation and for me to send paystubs and another W2 because one wasn't clear. I uploaded all requested documents to the Movement mortgage website, I emailed XXXX on XXXX XXXX for follow up. The only response I got from XXXX was where he copied me in on email to assistant asking if she got written verification forms about my income.This process started over one month ago, unless it was initiated by me, I never received any correspondence updates on the status of my loan. Each time I contacted XXXX or XXXX, they needed more documents. I never received clear communication on status of my application. Therefore I came to the conclusion that Movement mortgage had no intention on ever processing my application approving me for a mortgage. Very sensitive information was sent to this company and they never moved forward with the mortgage approval process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  and experien they reporting my publick record chapter XXXX  bank cruptsy and and some accounts they are not investing correctly nor providing me method of verification or prove how they verified the info is correct its been 1 year am disputing with them please help me out

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 2020-03-03 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:
its been one year am trying to dispute with them they need to provide me proof of verified items or delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Fraudulent checks totaling over XXXX were written on my account. Wells Fargo has denied my claims twice due to time limits. On XX/XX/2019 I was detained, after this occurrence my business checking information was used to write fraudulent checks totaling over XXXX When I was released from being Detained on XX/XX/2019 I reported the fraud to Wells Fargo, who denied the claim because I did not meet their time frame of 30 days. I made them aware of why I was not able to meet their time frame of fraud reporting, but my claim was still denied. The checks reported clearly are not my signature and were not authorized by me. They should never have been cleared by Wells Fargo because the security measure " Signature '' did not match.

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 2020-03-03 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX XXXX : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear XXXX Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report : Creditor Name & the account : XXXX I would like to see my payment history this account. Can you please send it to me. I paid off i have a XXXX  balance. please look all 3 credit bureaus with different reporting this needs to be remove from my file and the credit bureaus it not reporting not accurately I wait your response, 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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
They took my principle only payment of {$2600.00} and split it into a normal payment of {$1200.00} and a principle only payment of {$1200.00} XXXX XXXX doesn't even add up to what I paid ) and took my regular month payment of {$1300.00} and applied it to XXXX. {$1200.00} is less than my regular payment of {$1300.00} and I have no idea how they randomly calculated {$1200.00}. Customer service was not helpful since they had to give it to another department and that department does not speak to the customer causing me to have to explain the situation over and over again after hours on hold, in total, to an intermediary.

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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I called the Online servicing collection agency and paid my debt, in the amount of {$500.00} confirmation # XXXX, The company has yet to update my credit report. Furthermore when I disputed the trade-line with the credit bureaus they reported the debt as legitame even though it has actually been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: GA

Complaint narrative:
I have tried to get my payment lowered with no luck my interest rate tripled. I would like to work something out & work out an affordable payment before my vehicle gets repossessed. My car went from {$300.00} to {$500.00} I am 2 months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
I WAS ON MY CREDIT MONITORING SITE AND NOTICED A FRAUDULENT ACCOUNT THAT IM GONE PUT IN THIS COMPLAINT HAD NO KNOWLEDGE OF I WOULD LIKE FOR THIS ACCOUNT TO BE REMOVED OFF MY CREDIT REPORT BECAUSE ITS AFFECTING MY CREDIT

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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I resided at XXXX at XXXX in XXXX XXXX, GA and was under lease from XX/XX/XXXX to XX/XX/XXXX. Afterwards I was on a month to month payment with no lease or obligation. I informed the company that I would be leaving the complex on XX/XX/XXXX by or before the date of XX/XX/XXXX. I subsequently left XX/XX/XXXX. I still owed a balance to the company which was {$830.00} after returning my keys. However, a while after leaving I started receiving correspondence from a debt collection company ( Professional Debt Mediation-PDM ) who stated that I was charged for not returning my keys and a partial month for the month of XX/XX/XXXX even though I was no longer living there. I was charged {$1100.00} and they deducted my {$600.00} deposit, which then made the amount owed {$530.00}. I expressed that this information was inaccurate with all three credit bureaus, XXXX at XXXX, and PDM. I also filed multiple disputes, including evidence showing that i was living elsewhere during XX/XX/XXXX. These disputed records were all updated without explanation for how this investigation was verified. The apartment agency stated they would decrease the payment from {$530.00} to {$430.00}. However, this should not be the correct amount owed. I expressed that I did not have an issue paying the past balance from XXXX which was {$830.00} minus the deposit that was withheld of {$600.00}, which would be {$230.00}, they did not agree and said it is my word against theirs as far as whether I returned my key, and the person who I returned it to is no longer with the company. This is currently affecting my credit and ability to be approved for other rentals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
My Account with Gateway one lending is showing as included in Bankruptcy. However, this account has been paid in full and is not included in any bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX  has placed a collection account on my credit reports that is not valid, nor mine. I have no contract or agreement with XXXX XXXX or XXXX XXXX XXXX at all. This originally came from XXXX XXXX.They use multiple company names and different addresses to trick you into not knowing who to respond to properly. Upon initial receipt of a notice from them I sent them a cease and desist letter for this alleged account back in XX/XX/2019. Even though I had done this they have illegally placed this collection account on my reports. I have attached a copy of the letter that I sent them originally. I have also disputed this with the credit bureaus and re-sent XXXX XXXX XXXX the cease and desist letter. These companies are both owned by XXXX XXXX XXXX and they work in tandem to confuse, trick and deceive unwitting consumers into not knowing which company to respond, reply, communicate or dispute with. I want this removed from all credit reporting accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: PA

Complaint narrative:
My Account with XXXX XXXX XXXX is showing as included in Bankruptcy. However, this account has been paid in full and is not included in any bankruptcy.

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 2020-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-03-03 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: TX

Complaint narrative:
my identity was stolen and I have submitted the information to Experian at least 6 times since XXXX, they still will not remove all of the accounts. The accounts that were opened fraudlently in my name are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX  XXXX INQUIRIES XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX  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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The company never informed me that the account wouls be closed. I just received a new credit card for the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
Southern Oregon Credit Service is still reporting this faulty and horrendous item on my XXXX credit report. Previously, I sent a written document on XX/XX/2019 and XX/XX/2019 requesting proper validation of this debt from Southern Oregon Credit Service with no response. I then followed up again on XX/XX/2019 with another letter letting Southern Oregon Credit Service know that they are in violation of the FDCPA due to not responding within 30 days, and then I received a response with a random explanation of charges Southern Oregon Credit Service claims that I owe, as well as an address that is not mine. I do not see how this is possible, because XXXX was unable to properly validate this debt, which resulted in TransUnion deleting the erroneous item on XX/XX/2019. I have sent each document via USPS Certified Mail and I have maintained accurate records without error.

Company response to consumer: Closed with explanation