vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: KS

Complaint narrative:
Starting in XXXX of 2015, nationstar mortgage company claimed that we were {$3100.00} behind. We paid this in full through our local bank via wire transfer. They stated the foreclosure was no longer a threat. We resumed our regular monthly payments of {$720.00} for seven more months. Then they claimed that we were over {$10000.00} behind on our mortgage. Our records do not agree with what nation star has. At this time we went to our local bank to get help with refinance. Our banker pulled up our account through nation star online and discovered that our payments had been raised for the third time to {$1000.00}. We had not been notified of this payment increase. Our original line of credit is a fixed interest rate. Our payments went from {$630.00} to {$1000.00}. We have went to several local banks and private people to try and get help to pay nation star off. Nobody is willing to help us due to everybody being afraid of the foreclosure. Also we have discovered through the local deeds office that nationstar has 3 mortgages on our house. A local banker stated that no financial institution will help us with having 3 mortgages on one house. This backs us into a corner to where we can not get help to recover our house. Our attorney 's records show that one of those mortgages has been paid in full yet nationstar refuses to take one of those mortgages off the deeds list. They have changed lost of things within our loan which is illegal because they are just a servicer of our loan ... ... not the actual loan holder. They have also added an escrow that we have never had and that we never agreed to. Our banker or our attorney can not make sense of their bookwork or paperwork on our mortgage. It is just random numbers and letters that do n't state what they are for. They do n't even show when a payment is made or even the wire transfer that was made for {$3100.00}. They have offered us a modification but then denied it because of my self employment as a daycare provider. Our loan is a 10 year old loan with only 3 years left. The mortgage amount went from {$30000.00} to them {$49000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
I would like to dispute two things with the medical collection agency Receivables Outsourcing. I first tried to verify and validate the debt with them via a third party company. In return, they sent an itemized statement that included personal details of the charge. This alone is a violation of the Health Insurance Portability and Accountability Act ( HIPAA ). Therefore, I sent a letter to Receivables Outsourcing on XX/XX/XXXX, 2017 stating the following : " I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them 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. Therefore, my request is twofold-validation of debt and HIPAA authorization.
<P/>
Please provide a breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me. '' I have yet to receive a response from this company and the collection debt is still listed on my credit report making a negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Between XXXX XXXX2017 and XXXX XXXX2017 Equifax removed XXXX XXXX XXXX collection account and XXXX XXXX XXXX XXXX collection account. I was not notified that they would be re-adding these collections to my credit report and by them adding these collections back on, they are hindering my home buying process. They also removed all inquiries and has now readded them back on. They are in clear violation of the FCRA. They also deleted the correct spelling of my name which is XXXX XXXX, they deleted all my accounts that were reporting such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. They removed the XXXX XXXX inquiriy which almost resulted in my checking & savings account being closed and they removed my correct address XXXX XXXX XXXX XXXXXXXX Last but not least I have two new accounts open which are XXXX and XXXX XXXX and I need those to not be removed as they will result in XXXX XXXX closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a promotion email from Wells Fargo on Tue, XXXX XXXX, 2017. In summary, the promotion is, spend {$10.00} on the App Store or XXXX using my Wells Fargo credit or debit card and earn a {$10.00} statement credit. <P/>I enrolled the promotion and spent eligible purchase but have not received the {$10.00} statement credit. I contacted Wells Fargo directly but received only generic and template emails. <P/>Wells Fargo stated that I did enroll successfully but my purchase has not met their requirement. In order to receive the statement credit, I need to purchase with XXXX devices. <P/>However, there is no statement of the XXXX device on the fine prints explaining the promotion. I 've attached the email and secure messages between Wells Fargo and me. <P/>I sent the promotion email that I received from Wells Fargo as a proof/evidence but they did not even read my email and replied back to me with template email.

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 2017-07-10 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: TX

Complaint narrative:
These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XX/XX/XXXX however the company did not post it CLOSED untilXX/XX/XXXX the Credit Companies are reporting an ok Rating from XX/XX/XXXXthru XX/XX/XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.

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 2017-07-10 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: TX

Complaint narrative:
These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XXXX however the company did not post it CLOSED until XXXX the Credit Companies are reporting an ok Rating from XXXX thru XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: TX

Complaint narrative:
Written Equifax Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail Equifax XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, 1997 When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: CORELOGIC INC
State: OH

Complaint narrative:
I applied for XXXX loan and have several inquiries where they tried to get others to approve me-with out my knowledge or concent. I 'm having trouble getting them removed. Personal Loans Cos. XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. AgencieXXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Mail Order Firms XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Mail Order Firms XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks Collections

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 2017-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank fo America XXXX XXXX 2014 {$1200.00} I WAS NOT ALLOWED TO FILE A DISPUTE WITHIN A REASONABLE TO AFTER LEGAL NOTIFICATION FROM THE FTC WITHIN THE TIME ALLOWED TO REPORT IT. THEY HAVE THE CASE NUMBER WHICH IS XXXX XXXX AND XXXX XXXX XXXX  AT XXXX OR XXXX  HAS BEEN PLACED TO IN HIS POSITION TO REFUND US AT THE REQUEST BY OUR BANK AS A CHARGEBACK.
WHEN I TRIED TO FILE A DISPUT YEARS AGO THEY TOLD ME TO CONTACT WPM AND TRY TO GET REFUNDED. THEY EVEN HAD A REP 3 WAY CALL WITH ME ON THE PHONE. THEN THEY TOLD ME I COULD NOT FILE A DISPUTE THEN EVEN IN THE ALLOTED TIME FRAME. NOW THEY ARE CLAIMING ITS NOT POSSIBLE TO GO BACK ON RECORDED PHONE CONVERSATIONS. THEN WHEN I HAVE REQUESTED TO FILE A DISPUTE NOW XXXX XXXX EXT XXXX.
<P/>
XXXX XXXX DID NOT CALL ME BACK AND THEN SENT ME A LETTER CLAIMING IT WAS PAST THE 60 DAY GRACE AND WAS AGAINST BANK RULES AND IT WAS NOT FRAUD EVEN THOUGH THE FTC HAS CLAIMED IT TO BE AND THEY HAVE A CASE NUMBER. HE NEVER ALLOWED ME TO FILE A ACTUAL DISPUTE WETHER IT BE FRAUD OR A BILLING ERROR AFTER PRETTY MUCH BEGGING THEM TO DO SO.

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 2017-07-10 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: TX

Complaint narrative:
Written XXXX Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, XXXX When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10 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: TN

Complaint narrative:
Someone used my social security number to steal food stamps from  The Department of Human Services. I was made to pay back with cash  when I had an income. The case number used at that time was  XXXX . This happened because of theft of my identity. My drivers license & social security card stolen. I 've since changed the spelling of my name to  XXXX   XXXX   XXXX . I actually receive food stamps, because I do n't have an income. My case number is  XXXX . The last car I had before it was stolen & totaled reported to the  XXXX  Police Impound lot. Was a  2012 .  XXXX   XXXX   XXXX  door. The vin number was  XXXX . The plate number was  XXXX . The title number is  XXXX . I paid cash for this car on  XXXX / XXXX / 2012  to  XXXX  on  XXXX   XXXX . The invoice number is  XXXX . I did not use credit, because I learned that I was n't able to do so. The  XXXX   Family  would take everything I applied for. Because they have a seven year fraud alert on my credit report. With the help of Attorney  XXXX   XXXX . The  XXXX   XXXX .  XXXX  used at that time was  XXXX  TN  XXXX . The title was mailed to that  XXXX   XXXX   . I  've had a  XXXX   XXXX   XXXX   XXXX . The  XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX  Tennessee  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 2017-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I filed a dispute with chase bank on XX/XX/XXXX. They sent me a letter that the dispute was resolved in my favor and the credit should appear on my next statement and online immediately. It has been over a month and nothing yet. I purchased 5 phones over the course of a few months and a screen protector. I have returned all of them and received refunds, but there is an extra charge for an item I never purchased. Chase keeps giving me the runaround when I call them. This is a XXXX charge that they are not reversing. Not sure how I can prove I never received an item I was charged for. If I never had it in possession I cant prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: KY

Complaint narrative:
Transunion refused to delete these fraudulant inquiries. I have tried for months and months and the keep appearing. Can you please remove these from my file XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I pulled my credit report and noticed that this collection agency is listed on my credit report. I first disputed this account with the credit bureau because I do n't recall signing any contract with this company. But when the credit bureau claim to have verified this I called them asking to send me all documents they have used to verify this alleged account in which they have failed to do so I send Kansas counselor a letter certified with return receipt in which they are still reporting on my credit report without proper validation showing competent evidence bearing my signature showing that I have some contractual obligation to pay them. I refuse to receive a itemized bill and suggest that they provide any documents that grants them authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Also since this is a medical account I requested a copy of any HIPAA authorization and they have failed to send this information along with copies of any agreement that bears the signature of the alleged debtor where he or she agreed to pay the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trojan Professional Services, Inc.
State: MD

Complaint narrative:
Trojan Professional Services is a collection agency which I hold no contract with nor have received services from, however, they are reporting a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of debt from each credit bureau, as well as Trojan Professional Services via a third party company. However, I have not received adequate proof. Considering this business does not have a contract with me for goods or services they have provided, nor have they provided adequate proof, I am not obligated to pay the alleged debt. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: KY

Complaint narrative:
Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.

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 2017-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had couple salesmen come to the door and pressure me into having a new roof insulation and solar panels..   They were such nice young men that I went forward with the plan. Had the new roof put on insulation plus radiant barrier. I waited about 2 months and I woke up about the {$44000.00}. dollar decision I made. I got cold feet and backed off after paying th  em {$11000.00}.
But they may have pulled out {$15000.00}. from the Synchrony Financial because they keep billing me, calling me. I keep telling Synchrony I do   n't owe them that money.   I have paid bank stubs and can prove I paid {$11000.00}. for roof and insulation.   The {$15000.00}. shows on my credit report and has ruined my credit.   I want it off. I have spoken to the young men but it means nothing to them.   I wonder how many more old folks they took advantage of.

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 2017-07-10 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: KY

Complaint narrative:
Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.

Company response to consumer: Closed with non-monetary relief