vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fountain, Schultz & Associates, P.L.
State: FL

Complaint narrative:
I supposedly owe past dues fees ( {$4700.00} ) to XXXX XXXX XXXX here in XXXX, FL. I have been working with a collection agency located in XXXX, FL, for at least one year and making my payments every month as agreed. I recently received a letter dated XX/XX/2018, from Fountain Schultz & Associates located in XXXX, FL, trying to collect my supposedly past due fees as well. They are requesting {$5400.00}, from me by XX/XX/2018. I am reporting this complaint because both the collection agency and the law firm of Fountain Schultz & Associates can not collect on the same bill simultaneously.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Hello, I recently discovered that there was information that was pertaining to my personal information reported by XXXX. The information was showing that I had previous account open with XXXXXXXX XXXX and also XXXX XXXXXXXX XXXX which I never did. I had disputed the information with XXXX. Once I received a final letter from XXXX they mention that I will need to contact the bank directly to get it resolved. I called XXXX XXXX at ( XXXX ) XXXX which was provided to me from XXXX. I called them and spoke with fraud department. They were not able to find any information about me at all. I also contacted XXXX XXXX  XXXX as well and got the same information. I recently got off the phone again with XXXX and they said they will need to file another dispute. based off the conversation they can't do anything about until they hear back from the creditors. I am not sure what else to do how to get this false information remove so I decided to reach out to you for further help on clearing this information with 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 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My loan was bought out by Select Portfolio Servicing XX/XX/XXXX from XXXX  XXXX XXXX. When SPS inherited my account they informed me that I was 1 month behind. I have been disputing this since they took over my loan. I have provided proof of payment for XX/XX/XXXX and XX/XX/XXXX. Once they received my proof of payment I was then told that " my missing payment '' is from another month. I asked what month and they have been unable to give me a specific month. They did send me what they claim is a payment history from XXXX but it was so microscopically small that it was impossible to read. I called them and told them the statement history could not be read. They sent me the exact same copy I had previously received. To this date they have been unable to tell me what month was unpaid. I simple do no know how that is possible since I made my mortgage payment at the bank/branch window. XXXX will not accept a partial payment at the window, I know this because I have tried before I was approved for a modification. 

I recently went through a series of health issues that I was heavily medicated for. I accidentally issued 2 online payments for the month of XX/XX/XXXX. They refuse to return one of my payments because they now consider my account " current. '' My bank is unable to assist me since payment was sent out in a check. I now have an overdrawn account and bills and food that will not be paid nor purchased for the rest of the month. 

If there is anyone that can help me, I really need the help to resolve this ongoing issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: SD

Complaint narrative:
XXXX, I had my service disconnected because I got very sick and couldn't afford the extra expense. 7 months later, I have been getting daily, and nightly phone calls from a debt collector who is saying I owe XXXX to XXXX. the amount has increase from XXXX to XXXX. I contacted XXXX to say i do not believe I owed them that much, because for the entire duration of my sat service, I had to call each month billing cycle and dispute charges. I have asked several times for them to show me the proof that I owe them that much. They have said they would send me something in the mail, i never received it. now their collection company harasses me, they are rude and call all day and night. 

i'd pay what i owe, but don't want to pay for what they can not prove. 
The collection company is RPM Receivables Performance Management , LLC

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 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I received letters and phone calls from XXXX XXXX XXXX in regards to an ER doctor bill from a visit my son had on XX/XX/17. At the time of the visit, my max out of pocket had been met. Additionally, the hospital itself received payment within 2 weeks of our visit. The ER doctor 's office - XXXX XXXX XXXX XXXX failed to file my claim appropriately by not putting my son 's name on the claim. They put my name down as the patient and used my sons DOB and gender, thus my insurance denied it because it didn't match up. The doctor 's office forwarded me to collections. I called GLA and indicated that it was not my error but the doctor 's office and they told me it was my responsibility. I called the doctor 's office and they refiled the claim. My EOB indicates that I have {$0.00} responsibility on this claim. In the meanwhile, GLA put this on my credit report. I do not owe this, it was the doctor 's office error and this matter is on my credit report which wrong and inaccurate. Anthem, my insurance is going to call the doctor 's office, but I want this removed from my credit report. It is not right that it is on there. 
GLA Collection XXXX XXXX XXXX, XXXX, KY XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Me my wife applied for Mortgage loan at Bank Of America. They told me that they will give me the loan amount I asked if I buy a house in a certain zip code. I told them I want to buy a house in XXXX XXXX MD and specifically in Zip Code XXXX, XXXX and XXXX. They told me they will not give me a loan to buy in those zip codes. They said that they will give me a loan if I buy in certain zip codes only. We have excellent credit score, have assets more than the loan amount. The reason they don't want us to buy in those zip codes is that they said my wife have only one line of credit even she have more than 700 credit score which is excellent. For me I look it like this. Most poor people don't have more than one credit card ( line of of credit ) and they want those people to buy only in certain zip codes may be they don't want them to live in good neighborhood. 
The loan office is : XXXX XXXX. 
e-mail : XXXX Phone : XXXX His manger is XXXX XXXX e-mail : XXXX Phone XXXX. 
I talked to the manger and and he told me the same reason. Also the manger told me that even we have good income, good credit score and enough asset for down payment and so on, we are still risk borrower. We are XXXX XXXX and we emigrated to this country and we suspect that is the reason they don't want to loan to us. 
I have e-mail that I received from the loan officer for refusal to get loan in those zip codes. 
Thanks,

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 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I telephone XXXX XXXX and asked an attorney to review my reconveyances and why am I still paying on a loan. They reviewed the documents and stated the property is clear no outstanding loan pending. 
On XX/XX/XXXX I wrote to Select Portfolio Servicing , Inc . 
XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX requesting reconciling my accounts they are servicing because the attach reconveyances are Full Reconveyances and there is no pending loan on my property. They denied this and provided documents of a loan number that is not mine. 
I contacted XXXX XXXX again and they informed them of their status and XXXX XXXX sent them a letter to cease and discease colletion. XX/XX/XXXX they are still sending payment coupons ( upon which I have allowed my payment to laspe one month until this is cleared ). Present mortgage payment are XXXX {$490.00} and XXXX XXXX. 
XXXX I paid an real estate attorney {$5000.00} to help in my not owing anything on the property without success. I was referred by XXXX XXXX to another attorney this year XXXX and brought my payment which he returned because he said he could not help me. I was referred to a third attorney for him to file for a clear title but he stated I need to provide him proof by bank statement ( XXXX XXXX XXXX, XXXX ) or check showing I paid the amount. I have letters from XXXX indicating thank you for paying off your home loan. I visited XXXX Bank and requested that they provide me with XXXX statement but they indicated they were not able to provide this because bank records are destroyed in seven years.

I receive advertisement from financial institutions ( 2 ) this year ( XXXX ) indicating they are able to refinance my loan with XXXX of {$240000.00} and {$45000.00}. I call them back and advised that this loan has been paid and I do not want to see your name on my credit report. I asked how did you get this information and response was this is in your history on this property. 
I went to XXXX XXXX XXXX County Registrar Recorder office and this is in my history under account numbers I never saw. 
I reviewed my paperwork and found that XXXX transferred my loan for servicing to XXXX XXXX XXXX who had the account numbers on their first letter for payment under their company and during their servicing my loan they changed the number and never cleared the number of the loan. XX/XX/XXXX I wrote XXXX requesting them to clear this erroneous information from my property and the letter returned undeliverable. 
XX/XX/XXXX I need help in obtain the XXXX statement showing my payment of this property which then the 3rd attorney will take my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
Hi, I have a FHA loan originated 2016. I pay monthly PMI on this loan since my LTV at closing was above 90 %. The common knowledge was that after reaching a LTV of 78 %, the PMI will be removed.

Now, it just found out by the mortgage provider and the HUD, that the rules have changed and you have to carry a PMI for the full length of the loan of 30 years.

That doesn't make any sense, so for example you have to pay mortgage insurance in year 29 of your mortgage, when it basically is almost paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Excessive overdraft fees which caused a domino effect. 
There was {$150.00} available in my account. Three transactions came processed for ( {$100.00}, {$50.00}, and {$130.00} ) on the same day, Instead of processing the transactions for least to greatest ( {$50.00}, {$100.00}, {$130.00} ) which would have only resulted in ONE overdraft fee, the account was debited from greatest to least ( {$130.00}, {$100.00}, {$50.00} ) resulting in THREE overdraft fees that day and additional fees as a result of the overdrawn account totaling 5 fees.

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 2018-07-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I filed a consumer dispute with Equifax regarding fraudulently opened accounts in my name, erroneous names, erroneous addresses and a bankruptcy that I never filed.They deleted some of the disputed accounts but the bankruptcy still remains and numerous collection accounts that do not belong to me. I provided them with a police report and other supporting documentation but they have not cleared up my file. Additionally, my information was compromised in security breach with Equifax, but they have not done anything to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
Company is in violation of HIPPA. What's frivolous and baseless is the fact the company is lying that they couldn't get a hold of me ( they have my address and all communication ), they actually told me to cease communication with them ( how is that possible if they told me they didn't know how to reach me ), and they're still in violation of HIPPA because they have my medical records and list of procedures done.

Since the debt is beyond the statute of limitations, it is no longer mine and therefore, it should not be reported on my credit report. I will amend my credit reporting history to let all of the bureaus know of the harmful tactics of Collection Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lending Club Corp
State: FL

Complaint narrative:
Ever since Tuesday XX/XX/18, I have received numerous phone calls at my place of employment from two phone numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. On XX/XX/18 a gentleman by the name of XXXX XXXX called me at work and said that he works for an attorneys office and he has a client who is in the process of suing me and to call the XXXX- number above with reference number XXXX to discuss further. I asked who the attorneys office was and who his client was and he told me to call the number for more information. I told him that his company is not to call me at my place of employment and I will call him back. He said, Okay sir. The following day XX/XX/18 he called my cell phone and left a voice mail. I called the number back one Thursday XX/XX/18 and spoke with a gentleman who said that his client, Lending Club, was suing me and he was handling the litigation. Ive never loaned with Lending Club and I told him this. He said he is handling The litigation and I told him he can sue me because Ive never had a loan and then I disconnected the call. Today XX/XX/18 I got another call at work from a gentleman telling me that he needs to deliver wage garnishment paperwork to my place of employment and wanted to verify my address which he did. He asked if he can send it to my work address and I replied ; Sure! He asked me if I was worried and I said, Nope. He then told me that i can go XXXX myself. So Im convinced This is some kind of scam but they are very blatantly violating the FDCPA and it needs To be investigated further. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS needed the XXXX ( included see proof ) was faxed prior to due dated!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I reached out to my bank in an effort to provide my family with a home to live in. I thought I would request the bank to lend me the amount of XXXX. The monthly payment would be less than the payday loan they were providing me with until I closed the account because it had a negative effect on my credit report according to a reporting agency it was showing not on time. The North Carolina State Employees Credit Union and the members board turned me down. How can you approve a loan that would average out the same amount if I would have continued to borrow payday loans for a full year. The payday loan does not have any resale value if I decided to default on the loan as a home would. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates refuses to admit that the harm that they did when trying to collect a debt that was between 10-18 years old. As a debt collection agency they knowingly went to court, filed paperwork, got a default judgement, issued and was granted a wage garnishment order. Contacted my employer and was garnishing my wages.no matter what the total was This was on my employment file with the company. This garnishment was the reason I was denied promotions and salary increases because I was deemed a high-credit risk. Now according to Illinois appeals court ruling on XXXX XXXX that the statue of limitations on a credit card debt without a written contract is 5 years. And with a contract its 7 - 10 years they purchased the account in XXXX and started collecting the garnishment in XXXX. That's 17 years later. Re-aging a debt is also against the Fair Debt Collection Practice and Portfolio is well aware of the time line from start to finish even when they hired the law firm of XXXX, XXXX, XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I open and account with. Capital One 360 Checking and Capital One close my account without my permission because of fraud activity please help me fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have had another instance of this company conspiring with a merchant and holding funds. The first time, I had made a purchase from XXXX company, in which they delayed in giving me my refund. They swore up and down it was AMEX Bluebird fault, I was on them hot and hard about my refund, and they convinced AMEX Bluebird to  give me a provisional credit, until they could get the funds to them. The XXXX rep called me back and told me my refund was coming, told me my account information which she should have not had, and they talked with AMEX Bluebird behind my back conspiring to get credit for a refund that they should have sent. I was XXXX, I left the AMEX BB open, but moved my direct deposit, and essentially stopped using the  card, but left the account open. I had a dispute with a Merchant on XXXX, dating from XX/XX/2018. I finally got my refund for that item, and XXXX told me it would be five business days, I just happen to look today, and it was posted to my account, but then AMEX put it on hold saying the merchant is saying do not release it until XX/XX/2018. I feel like they are yet again conspiring against me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: MD

Complaint narrative:
I contact the Equifax credit reporting agency to inform them that 1 ) the  information reported by XXXX XXXX XXXX aka XXXX is intentionally isleading and false. I to ; d them Ive traveled back to TN to address and resolve the issue, Ive notified their property management company XXXX XXXX executives all issues I addressed in my complaints and filed with the courts, and the fact I won a judgement and it is final, against the XXXX XXXX XXXX dba  XXXX XXXX XXXX. I requested that bothEquifax and the XXXX XXXX XXXX  ( by way of XXXX XXXX XXXX XXXX ) remove this negative file from my credit report. Now, Im filing this complaint against Equifax, since they are refusing to remove this from my credit report. I provided Equifax the certified judge, ent, the action filed ( that I won ), and all supporting evidence.

Company response to consumer: Closed with explanation