vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent, via certified mail, a debt validation letter to First Federal Credit Control requesting to validate the alleged debt of {$800.00}. The collection agency received the debt validation letter on XX/XX/XXXX and responded with a bill/statement/ invoice which i received on XX/XX/XXXX. However,  providing a bill/invoice of the alleged debt is not a form a validation it is a form of verification was not what i requested in the debt validation letter. Also I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
My mortgage company CMG Financial is not allowing me to be considered for homeowner assistance or loan modification programs. I bought my home with an FHA loan and there are several different programs available that could help me, but CMG has not reviewed my documents or paperwork to determine my eligibility. Each time I call them to try and fix this problem I speak to a different person and they continually lose and misplace my documents. I dont know what is going on with their process and their company, all I know is they are not following the rules.

After we bought our home we had some major damage and needed to do extensive repairs. I had just had a baby and was on maternity leave and not working at my optician job. Due to the damage we actually moved out and rented for a while during the construction work. However, we ended up having squatters move into our home and it took much longer to eventually get them out and for the repair work to be completed. Due to all of these factors we struggled and ultimately fell behind on the mortgage. When we contacted the staff at CMG they were initially helpful and said they would send out an application for us to complete. However, this was never received despite multiple requests for the paperwork. We then went online to get the application paperwork and began sending it in to their loss mitigation department. We were never able to speak to the same person twice. Our documents were constantly being misplaced or lost and we were never able to get an actual review completed. We received many letters from CMG about our missed payments and that we needed to resolve the matter. On the back of these letters CMG would give us a number to call if we needed help. We called the number many times to try and get help, and we were told by their agents that they would send us a NEW application that they would personally review. Once again, we never received any applications. Now we are getting notices for court dates and falling into foreclosure. This is very distressing.
I have worked as a XXXX  XXXX  for the last 11 years and make a solid living. My husband supplements the family income by working as an XXXX XXXX. We have XXXX  young children who call this home and we need CMG to allow us access to the government homeowner assistance programs that are available for distressed FHA loan borrowers. To date we have YET to be reviewed for any of these programs, instead we are transferred from one place to the other making no progress and falling further behind. This is wrongI thought that CMG Financial is required to review my documentation and evaluate us for the various programs that are available? All we are asking for is a fair shake. I am hopeful that your agency can intervene on our behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I cashed a my check and had a fee to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
XXXX from JPL Recovery Solutions has been harassing my friends and family members, even immediately after I called and spoke to them. They have no reason to talk to any of these people, unless it's to get my whereabouts, and since I am in contact with them, this is nothing but harassment of them and me. 

I told XXXX, I regret this situation. I acknowledge my obligation. Im committed to repaying you in full, and as quickly as is possible. My financial situation is difficult and unclear at this point. I will be back in touch with you in two weeks to discuss a repayment schedule. 

XXXX would not accept this and kept harassing me on the phone. When we hung up he immediately called a friend of mine, woke her up, and harassed her to " Get information on XXXX. '' In addition, they have attempted to contact the mother of this friend ( whom I have never met ) to talk about this delinquent loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: MN

Complaint narrative:
This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : XXXX, TransUnion and XXXX. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same dates XX/XX/XXXX and XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and again XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX  for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.

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 2018-06-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : XXXX, XXXX and Equifax. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same dates XX/XX/XXXX and XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and again XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX  for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 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: Riverwalk Financial Corporation
State: CA

Complaint narrative:
Recently had an account by the name of XXXX XXXX on my collections. It popped up out of nowhere, I was never alerted, contacted, or emailed regarding this collection. I have no collections regarding to this. I have tried calling but it sends me right to voicemail. It also says its from XXXX XXXX XXXX XXXX. I can not contact them either because the school had closed down in XXXX for fraud. I would like to get help to get off my credit report, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
This account has been re-aged. The original account was from XXXX XXXX, dated back in XX/XX/XXXX. Phoenix financial purchased the account and re-aged it to show the original debt was in XX/XX/XXXX. I asked  them in a recorded conversation to update and report the account accurately. They refused to do so and stated that it would fall off my credit in 7 years unless I paid them money, I refused. If every creditor sold a debt after 6 years and the new creditor reported it as new debt, the process would always continue to be on my credit. Please correct this and report the debt accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: FL

Complaint narrative:
I am a XXXX XXXX XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX XXXXXXXX and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXX XXXX  XXXX XXXX updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.

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 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/2017 Bank of America had advertisments on XXXX and search engines about 100 bonus for new customers who opened accounts by XX/XX/XXXX and had at least 250 deposited within 90 days of opening the acct. I signed up online and met the direct deposit requirement and theyre now refusing to honor the bonus because they said i did not use the proper link when there was nothing said about a specific link or code. They then ran a similar promotion which expired in XXXX ... but theyre not honoring the bonus.

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 2018-06-18 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX XXXX began reporting this account derogatory in XX/XX/XXXX. It was only when I retrieved a copy of my credit report on XX/XX/XXXX that I noticed this erroneous, inaccurate entry on my reports. I have not received any correspondence from this company regarding this entry. XXXX did not provide a dunning letter as required by law thus violating my rights to dispute the validity of this claim. 

I have never did any business with XXXX nor have I ever entered into a contractual agreement with them. XXXX should have provided : *An agreement that states their authority to collect on this alleged debt ; *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of their bonding agent for collection agency in case legal action becomes necessary Further, XXXX should provide a copy of the financial responsibility page as well as any and all documents that bear my original signature and consents to XXXX having access to the alleged information associated with the alleged debt. Too, XXXX did not allow me to request that they cease any and all collection activities and reporting until I can validate the alleged debt. 

It appears that XXXX is in direct violation of my consumer rights and therefore, is negligent in reporting this entry on my credit reports. DELETE this entry immediately.

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 2018-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
We have a licensed loan originator who has 0 respect for law or compliance and has been named as a top originator in the country several times. The public is being harmed as well as United States Tax payers. 

It has been brought to our attention that this loan originator has been buying business from real estate agent and giving TV 's, Refrigerators, and other things of value for business in return and has been done publicly via XXXX and other social media sites.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was approached by telephone by a phone call last XXXX to help me get a credit card at 0 percent interest until XXXX XXXX of 2018 for {$25000.00}. I could even name the company card I wanted from some choices. They said they would intervene for me to get the card for a percentage up front which would be charged on the card and that I could never get the card on my own. They said they were a card member services group that helped consumers get better credit card deals ; They charged a fee over {$1000.00} to help getting the legitimate card from Chase. Terms = {$25000.00} limit at 0 % interest until XX/XX/XXXX then. 16.3 %. 

I agreed like an XXXX and did get the card which is a valid card and with the stated agreement with Chase Card Services listed above, even though getting the card did not seem like it was shady. 

Everything was normal about using the card until on XX/XX/XXXX. I received a call from someone claiming to be from Chase ( that's what came up on the caller ID ). 
He knew the balance charged on my Chase XXXX card as Well as a XXXX XXXXXXXX Card I have as well -- and as well the latest payment made on the Chase card. 

He never asked for account numbers or any banking numbers. 

Can this information be obtained though the Credit Bureaus? 

He claimed that under this program that Chase would write off the whole amount if I paid a percentage of the outstanding amount on the card- which he said would be {$2900.00}. This is not what I remembered the arrangement to be, but I thought maybe I misunderstood the actual arrangement. He had answers to all my questions, of course. He told me to get a cash advance on my XXXX XXXXXXXX Card for this amount and to make a deposit to a XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I did so that afternoon. 

He said his name was XXXX XXXX at XXXX, He said he was calling from Florida - XXXX, I think, but am not sure. 

I feel so stupid for going along with this whole scam from the beginning. 

I have no written documentation other that I can prove I withdrew {$2900.00} cash on XX/XX/XXXX as a cash advance on my XXXX XXXXXXXX Card. I can not seem to find my documentation from XXXX XXXX XXXXXXXX for the transfer of funds but am still looking. 

Do I have any recourse? 

I am assuming not since it was a cash transaction. 

Please help. I am literally sick to my stomach about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My first letter to Equifax was on XXXX, This inaccurate information is continuing to damage my credit and inability to obtain credit. 
Equifax is reporting XXXXXXXX XXXX # XXXX, {$3200.00} as a charge off This loan was paid off in XX/XX/XXXX never late. 

They are also reporting an inaccurate address : XXXX XXXX XXXX, XXXX, AL XXXX even though I sent an affidavit of correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 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:
On XX/XX/2018, I received notification that a collection item had been reported on my credit report through Experian. I followed up with Experian and was informed that a collection action was reported on to my credit file with Experian. I filed a dispute and obtained information regarding the collection items such as the creditor ( XXXX XXXX ),  the account number, and contact number. After filing the dispute, I proceeded to contact XXXX XXXX. After speaking with them, I was informed that they reported a collection action for a person who shares the same name as i do ( XXXX XXXX XXXX ) and the same numerical address ( XXXX ). We both live in the same city as well. We do not share the same birthday, phone numbers, emails , street name address, or SSN. After receiving this information from XXXX, I contact Experian again to inform them of the mix up. They said it would take 30 day to resolve any dispute. I informed them that this was a mistake that they are responsible for and it has caused my credit score to drop from an XXXX to a XXXX. They said they could not do anything about it and that all they could do was file the dispute, even after i informed them that all XXXX was trying to do was to report the collection account to the other person and Experian made the mistake of adding it to my credit file. I asked if they could expedite the dispute as it was their mistake and they said no. This is the second time a mix up like this has happen and my credit score suffers. This is unacceptable on their part.

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 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
After logging into my banking mobile account I noticed deposits that I did not make ... I immediately bought it to the attention of my financial institution ... After two weeks I called my bank and they notified me that not only were they no longer doing business with me they also informed me that I Would be responsible for all of the fraudulent charges to my account.

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