vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alliance Collection Service
State: AL

Complaint narrative:
XXXX supposedly of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MS XXXX PHONE : XXXX ; FAX : XXXX originally contacted me at my place of employment around the 1st part of  XXXX, XXXX in regards to a medical bill owed to XXXX XXXX XXXX located in XXXX XXXX Hospital, XXXX, AL. I asked for proof of the debt, which they mailed, and in return, I explained to XXXX that I would also be contacting my health insurance company XXXX for an XXXX, because I have bank records that I in face paid XXXX XXXX XXXX during each visit that I made for physical therapy. 

I have been working to get this resolved, but getting in touch with a representative at XXXX as well as getting copies of cancelled payments from my bank, as we know, takes a little bit of time. I have NOT been ignoring XXXX, and have only wanted to resolve this matter. 

On XXXX XXXX, XXXX, they contacted my place of employment, and instead of asking directly for me, began asking very personal questions to an employee of mine about me. Additionally, they stated they wanted to " verify my employment ''. My subordinate explained to the caller, that they would need to fax something over, and she gave them the fax number. My employee immediately came to me with the number off of caller I.D., and informed me of this. I immediately returned the call to XXXX, and told them I was still trying to get the matter resolved, but they had now over-stepped their boundaries in a very severe way by contacting my office and wanting to verify employment on me. I explained to the lady on the phone that by calling someone 's job and doing an employment verification on them, that that gives the impression that someone is looking for another job. And I told her to NOT fax anything to my office, and to immediately cease all communication with me, and she said that she would. 

On the morning of Tuesday, XXXX XXXX, my supervisor approached me as to why there was an employee verification form on the FAX machine for me, and asked me if it was my intention to be leaving soon. I had to explain to my supervisor as well as my companies regional manager that I was not leaving the company, nor did I have any desire to, and that this was all from a ( what at this point appears to be ) scandalous fraudulent company about a medical bill  that I had. Moreover, the " Verification '' letter they sent, had my social security number on it, and was just lying on the fax machine for anyone to pick up. 

Today is Tuesday, XXXX XXXX, XXXX at XXXXCDT ; and I am requesting and insisting that all communication rather it be via telephone, FAX, e-mail, text message, US Mail, telegram, or messenger from XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX to cease effective immediately, as is my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens One XXXX CO XXXX, a subsidiary of Citizens Bank, has been my mortgage holder for 17 years. Suddenly they are imposing an escrow account based on " shortages '' related to either property tax payments or insurance which are not substantiated by them. When I tried to correct, as these were current, CO dismissed it in a form letter and without any consent or approval, or proof of these " shortages, '' CO brazenly imposed a monthly payment that is 60 % greater. It seems to be a pure money grab. 

Please see attached photos of the latest letter about the plan from CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are hard inquiries on my credit report that I did not authorize. When I called to get them removed Transunion did not help me to get this corrected. 
The inquiries not authorized by me on the report include : XXXX XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too.

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 2017-10-31 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: CA

Complaint narrative:
I have been trying for 10 + years to fix I had a account with XXXX XXXX in XXXX and I got hurt at work, i am permanat XXXX should have been paid off they sold or transfer at least 8 times every time new one called I told them never hear from that one and then it was sold to someone else well on XXXX it was sold to XXXX XXXX and on credit they did says new open in XXXX and when I desuted it saying it tis from another nothing Equifax does dispute in my file shows open XXXX from XXXX same account the below says XXXX XXXX XXXX XXXX they bought this in XXXX from XXXX even says on report sold charged off and they being XXXX keeps trying to say no it open in XXXX this account is over 10 years old and they just ran my credit again this year This is the only account all my others when I got hurt did what I bought XXXX insurance never thinking I would ever use it and still they keep screwing me I have talk with my credit union about this in the collections department and they say they cant do that the account is from XXXX not new in XXXX I have copies of the results they just did and it shows it clearly How many years do I have to pay for getting hurt 10 + 20+?
I need the corrected and I do n't know what else but fight it over10 years old. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX me and my family went on vacation and stayed at XXXX XXXX  XXXX. We decided to take a promotional deal which was cheaper then regular price but had to sit in on a Timeshare orientation which was only supposed to be forty five minutes long and turned out to be about 3 hours long. while in this orientation we were told that it would be in our best interest to invest in one of the timeshares on the resort and how it would be a great financial investment for me and my family. The agent at the time was using very aggressive tactics to influence a decision to buy in. unfortunately we fell for the pitch and we were persuaded. We sat in a room and waited to sign documents for a Mortgage to purchase this Timeshare in the amount of XXXX. We were provided with an XXXX which had all of the legal documents which at times the print was very small and hard to make out. while i was trying to read through it i was assured that all was OK and that i had nothing to be concerned about. legal documents are long and confusing which i now understand are made to be that way for a person who 's not a lawyer, an really cant make the best decision. We were never told about a ten day clause which would 've allowed us enough time to get out of this contract before it was to late. We only read about that clause when we received our electronically signed documents through the mail almost two weeks later. We do n't want any money back, i just want to get out of this nightmare. I would n't want any hard working family to have to be in debt to this type of scheme. We later read that we would be paying for the maintenance fees well after the mortgage was paid off. We even found out that if me or my wife XXXX that our kids would be responsible for making the mortgage payments. that 's just not right. We are not a financially wealthy family and we can not afford to pay for this. Please help us find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: MD

Complaint narrative:
On XXXX XXXX XXXX I sent via Certified Mail disputing several inquiries that I did not authorize. Transunion has since received the mail and neglected to investigate, provide the burden of proof or remove the unauthorized inquiries. 

Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX UNIT XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : Online InfoDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, NC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE 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 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd.
State: NM

Complaint narrative:
On XXXX/XXXX/XXXX Cottonwood Financial contacted me at my place of employment. I stated that I was not allowed to take these types calls to which their represented stated that they would remove my employer from the list of numbers, and then they started to discuss the issue with me, and I reiterated that I could not take this call at work. They stated again that they would remove the number from their records. 

Within a week of this cottonwood called and left a voice message on my business phone. 

On XXXX Cottonwood once again called my work and left a message with the secretary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My tax lien was released in XXXX, I attached proof. 

XXXX and XXXX deleted this Public Record from files. 

I contacted Equifax several times trying to dispute this record, they simply ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX XXXX and Covergent Outsourcing Inc applied a debt to my social security number for ( XXXX XXXX XXXX regarding account XXXX that was n't in my name it was in the name XXXX XXXX XXXX Not XXXX XXXX XXXX for a debt of {$660.00} to {$1200.00} upon disputing and sending police reports and identity theft affidavits and proof of residence the mailing came in ( XXXX XXXX ) and now Have My Name XXXX XXXX XXXX on them this was clearly a fraudulent account not in my name or social and is 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 2017-10-31 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: OH

Complaint narrative:
I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The US. DEPT EDUCATION ACCOUNT ( XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These 3 accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX, TRANS UNION, XXXX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no e-Oscar system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs.TransUnion, XXXX vs. XXXX XXXX XXXX XXXX, and XXXX vs. XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

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 2017-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
Notifications about debt were not being sent to the correct address. They were apparently sent to a previous address that I no longer live at, therefore, I did not know a debt collector was trying to reach out to me. I found this out by trying to get approved for a mortgage loan to buy a house, and i could not due to these collection debts. 


Harvard collection : ( medical ) opened : XX/XX/XXXX reported:XX/XX/XXXX balance : {$42.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
For over a year my insurance company faxed proof of insurance to Ocwen our county provided them with proof of address changes on our street I have copies of all of it Ocwen placed forced insurance and will not refund I am XXXX and cant leave my house they wont allow me to make online payments they wont allow me to set up the npaymwnys due for XXXX and XXXX thus making me 3 months delinquent they want all amounts due plus another XXXX for insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX I submitted for a cash back return on my credit card from Wells Fargo, their Go Far Rewards program. The check was subsequently misplaced and never cashed. After receiving a letter from Wells Fargo noticing the check had not been deposited yet I called their Go Far Rewards program where I was informed that due to their terms and conditions I would not be able to receive a new check and that they would return the outstanding {$50.00} to the bank for themselves. I spoke with both a frontline and executive customer service representative to know avail.

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 2017-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have paid the balance off and this is still showing on my credit report. I found this out while applying for a mortgage loan and this is affecting the approval process. 



XXXX : ( medical ) opened : XXXX reported : XXXX balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: OH

Complaint narrative:
I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX ( XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These 3 accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX, XXXX XXXX, EQUIFAX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs.XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 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: OH

Complaint narrative:
I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX XXXX XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for Experian or agent of Experian, XXXX XXXX, XXXX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX XXXX, XXXX vs. XXXX XXXX Experian XXXX, and XXXX vs. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

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