vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL

Complaint narrative:
In XXXX, I tried to purchase a house. When I pulled a credit report, I noticed I had a collection from the Credit Bureau of FWB that plummeted my credit. The {$1000.00} collection was from a hospital bill that should have been covered by insurance. 

On Monday, XX/XX/XXXX, I went to XXXX XXXX XXXX ( XXXX ) in XXXX, Alabama for a XXXX  XXXX. After the co-pay, most of the medical costs for that same day were covered by XXXX XXXX of Alabama. However, there was a third party doctor group ( XXXX XXXX XXXX XXXX ) that did not submit the bill to my insurance, and therefore went into collection. Less than two years later, I contacted the collection agency and XXXX XXXX XXXX Alabama numerous times over several months. There were a couple of times when I would get both the collection agency and XXXX on the phone together. XXXX  of Alabama agreed that the bill should have been covered by my insurance. The issue is that XXXX XXXX XXXX XXXX no longer existed and were not able to re-file the medical bill with XXXX of Alabama. Because the two year window to file the bill on my insurance was closing, XXXX agreed to cover the costs. However, two years later ( XXXX of XXXX ) the costs were never covered by my insurance ( XXXX ). Both XXXX  and the Collection Bureau of FWB both  have phone records of these conversations. Some occurred between them and my mother, XXXX XXXX and between me and them. I have had insurance my entire life without a lapse and find it incredibly discouraging that XXXX XXXX XXXX XXXX is going to cost me {$1000.00} and ruin 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 2019-05-01 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: FL

Complaint narrative:
I was looking at my credit report and notice there was a collection that does not belong to me. I sent the company and the credit bureaus certified mail telling them that this account does not belong to me. Its been about 4 weeks now, and I have not heard from them, or gotten any letters from them.

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 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
the company stated information was updated without providing proof or information on what was updated.

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 2019-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Parnell & Parnell, PA
State: TX

Complaint narrative:
I received a letter from the law firm of Parnell Parnell, XXXX XXXX XXXX XXXX XXXX, Al XXXX ( XXXX ) XXXX. In this letter, they state that this is in reference to XXXX XXXX, XXXX XXXX XXXX XXXX Case No. XXXX There File No. XXXX. 
First, they state that they are once again writing to me, but this is the first letter I have EVER gotten from them. 
Second, they say that I stopped paying on this so-called debt back in XXXX of 2011, now. Now, this debt collector is out of Alabama where the Statue of Limitations for that state is 4 years. I live in the State of Texas where the Statue of Limitations is 6 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: TN

Complaint narrative:
It is XX/XX/2019. Lendmark Financial has called me 20 times in the last 5 days. They have been calling and harassing me for the last two months on average of 4 calls per day. I am in a debt settlement program and they have been notified to  contact my representation, XXXX XXXX, for inquiries, but refuse to. They have threatened to sue me even though I have made 3 payments on my account since XX/XX/2019. I am a little behind, but the amount of contact I have received from this company is highly unprofessional and extremely harassing. I am considering suing Lendmark Financial for breaching the U.S. Fair Debt Collections Act of 1978 as well as filing a Protection Against Stalking / Harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XX/XX/2019 Barclays Bank Delaware submitted a hard inquiry to retrieve my credit information. Upon notice of this inquiry around XX/XX/XXXX I contacted Barclay Banks via telephone to their " fraud '' department. I explained the issue and I was told they would cease any processing and submit a request to have the hard inquiry removed off of my credit report. 

On XX/XX/XXXX I received a Barclays Bank credit card in the mail at my home address. The card was issued on XX/XX/XXXX and contained a cash line of {$1600.00} and a total credit line of {$4000.00}. 

At no point in the past 24 months have I given permission to have a hard pull on on my credit reports nor I have inquired or applied for any additional lines of credit therefore the hard pull occurred without my consent. Furthermore, I had a credit card issued to me that I never applied or approved up that was issued after I had already contacted the banks fraud department. After being assured that Barclay would take care of the issue, they failed 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 2019-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Oklahoma Student Loan Authority
State: TN

Complaint narrative:
OSLA ( XXXX ) keeps calling both my home phone # ( XXXX ) and my cell phone ( XXXX ) regarding student loans for my daughter. I have advised them on 4 separate occasions that my daughter is an adult and no longer lives at home, has not lived at home for more than 3 years, and can not be reached at either of these numbers. I have requested they remove my numbers but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
I sent a Certified letter to : ALLIED COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Tracking # : XXXX Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX on XX/XX/2019 in XXXX XXXX, NV XXXX. 

This company claims I owe them but they have not provided proof of this to me and have not responded to my letter in the 30 day period they are required to do so. They keep increasing the amount they are trying to collect every month

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 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: MN

Complaint narrative:
I am trying to looking for lending information for a mortgage company, XXXX XXXX, ( XXXX XXXX XXXX/ ), to help make a mortgage application decision. 

I went to CFPB Home Mortgage Disclosure Act Mortgage data to look up this company. However, the last mortgage origination I can find is in XX/XX/XXXX. There seems to be no mortgage origination from this company after XX/XX/XXXX. And I find that there were several lawsuits filed again that company.

It is very important to know the company 's lending history before making a decision. I do not know if this company actually did not originate any mortgage from XX/XX/XXXXto XX/XX/XXXX. Or they reported under another name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A Bank of America credit card was opened and used by someone using my personal information to open the credit card account. 
I discovered this when i received notification from XXXX XXXX consumer alerts about a new account opened under my personal information. I attempted to contract Bank of America right away after discovering this fraudulent account and i received no remedies or fraud assistance from Bank of America or their Customer Service team other than attempting to collect a debt.

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 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: ME

Complaint narrative:
On XX/XX/XXXX I received a credit alert that a collection from Radius Global Solutions was placed on my credit report. This collection is for {$990.00}. The open date states XX/XX/XXXX and the original creditor is XXXX. 
I have never received any communication from Radius Global Solutions. 
XXXX is a power company who operates in CT, MA & NH. I live in Maine - they do not service my state. 
I have lived in Maine for quite some time and could never have had a bill with XXXX from XX/XX/XXXX. 
Radius Global Solutions violated the FDCPA by not providing notification of the debt prior to placing a mark on my credit report. 
Radius Global Solutions is reporting false information on my credit report, as there is no possibility I had an account with XXXX which went delinquent in XX/XX/XXXX. 
Radius Global Solutions must remove this mark from my credit report immediately as well as provide validation of this debt they allege I owe. They must provide all historical statements as well as a signed contract and the alleged address that they are claiming XXXX provided services to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Due to losing my job I was unable to make payments on time, however I always contacted the company to set up a payment arrangement. Last month they took the car and I called and made a payment arrangement of {$250.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. On XX/XX/XXXX I called to make the payment on to find out where I could go to retrieve the car. This is when I was told the car was sold on XX/XX/XXXX, they said they were gon na try to find out why it was sold. On the XXXX they said nothing could be done because they sold it at an auction, that they were sorry because it was a mistake on their side and that we were gon na get the {$250.00} back from the first payment. We've been paying the car since XX/XX/2017, with really high interest. A car that was worth {$14000.00}, was financed for {$31000.00} and was sold for {$11000.00}.

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 2019-05-01 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: TX

Complaint narrative:
I had my mail stolen/lost. I am XXXX years old. Upon my son helping me check my report online, I found that someone has applied for credit without my authorization at several companies. I have attempted to contact the companies directly and have reached out to all 3 of the reporting agencies. I sent in my police report that I filed with the police department along with a letter that explained what has happened and what companies pulled my credit without authorization.

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 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Student loan accounts were under Teacher Forgiveness. They were forgiven after completing long process with this agency. Everything was squared away. First this agency was servicing the account when it was forgiven. 
US DEPT OF ED/XXXX  XXXX Installment Closed XX/XX/XXXX US DEPT OF EDXXXX XXXX Installment Closed XX/XX/XXXX Then, after two years, this agency started servicing THE CLOSED FORGIVEN ACCOUNT [ XXXX XXXX XXXX ] and below is what they did to my previous TEACHER FORGIVENESS ACCOUNTS WITH US DEPT OF ED/XXXX Then, I have contacted XXXX XXXX XXXX  and tried to resubmit the same information that I submitted to US DEPT of ED/XXXX ; however, rude customer service representative, no answer in regards of my student loan forgiveness that I was already granted by the previous servicing agency and also accounts blow-up my credit report with seperate accounts in total of 15, while in the first agency it was a simple one account. 
I have did my time teaching and I am still in the education field in administration and I am trying to purchase a home, but these accounts that came up last year need to be removed from my credit report as they were in the first place forgiven. XXXX  XXXX XXXX does not care about the consumers and is not aware of the accounts they are actually servicing. My accounts were closed and forgiven through my employment at XXXX County Public Schools from XX/XX/XXXX-XX/XX/XXXX. 
Please review my case, I have been trying to contact this agency via mail and phone, but no response at all. 


XX/XX/XXXXXXXX XXXX XXXX {$2000.00} Installment Current XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX {$1500.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$26000.00} Installment Current XX/XX/XXXX XXXX  LXXXX XXXX XXXX {$2900.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$5700.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$5600.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$4600.00} Installment Current XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3100.00} Installment Current XX/XX/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 2019-05-01 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: VANDERBILT MORTGAGE & FINANCE, INC
State: OK

Complaint narrative:
Vanderbilt has been the worst mortgage company by far that I have ever worked with. They have given me nothing but problems and false reporting throughout the entire relationship. I am so glad that they sold the load to XXXX. 

Back in the XXXX, XXXX, XX/XX/XXXX time frame that had a totally random faulty reporting of late or missed payment on my credit report. When I saw it ( only because I was closing on another property and the lending company saw it ) I called Vanderbilt and they sent the attached letter apologizing for their mistake and promising to remove it. As you can see from my current report.. .they NEVER actually removed it. A late payment from spring of XXXX is STILL on my credit report. 

In XXXX there was a hurricane in XXXX Florida which is where this property is located. Vanderbilt mortgage pro-actively reached out to me to suggest a disaster relief plan that would have me defer three months payments. They told me to skip three months payments and then on the 4th month they gave me a new amount that I would be required to pay for 6 months. ( this amount represented my normal monthly amount plus an additional amount to make up for the three months by spreading it out over 6 months ). I did everything that Vanderbilt told me to do. I skipped the three payments and I set up by automatic bill pay with the bank to pay a higher amount for 6 months and then resume with my normal monthly payments. 

I was never any days late. 

I heard that sometimes when they set up deferred payment deals that they plan on marking you as 30 days late, even though in my conversations with them before agreeing to do this.. They assured me that there would be NO negative reporting on my credit report. 

They did report me as late.. .however, I never missed nor was late on any payments with Vanderbilt mortgage. 

Very predatory lending practices by Vanderbilt. I hope to never have to do business with them again. 

Their predatory practices prevented me from closing on a new home which was to be my first home owned primary residence since XXXX. 

Please help. Thank you so much. 

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 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I have contacted Shellpoint Mortgage for over a month attempting to remove my taxes and insurance from my monthly payment. They have responded with nothing to do with removing my taxes and insurance from my monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been contacting Equifax AND XXXX XXXX XXXX by phone, certified mail and fax since XX/XX/XXXX regarding 5 hard inquires ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I did not authorize XXXX XXXX XXXX to do. 

I did not authorize XXXX XXXX XXXX to do and they have not been removed from my Equifax Credit Report. 

XXXX XXXX XXXX mailed me a letter date XX/XX/XXXX that they have contacted Equifax to have the inquires removed. 

On Thursday XX/XX/XXXX I spoke with XXXX, XXXX XXXX XXXX Theft Identity Department Manager ( XXXX ; XXXX ) was informed XXXX XXXX XXXX has contacted Equifax multiple times from XX/XX/XXXX-XX/XX/XXXX to have the inquiries removed, but Equifax is not removing the inquiries and XXXX XXXX XXXX does not understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
This mortgage servicer has been sued in Massachusetts for bad practices they employ to discourage borrowers from pursuing a loan modifications. They string you as long as they can. Fabricate need for paperwork or find flaws even on the date you put on the documents they request from you. " Oh you dated the document XX/XX/XXXX, but XXXX has 31 days, so it should have been XX/XX/XXXX ''. Use that excuse to restart the whole process from the beginning and then blame you and say that it is your fault the modification is not complete because you did not submit proper paperwork. Once you correct that and submit, they take about 2 weeks to let you know they have to restart the process again because there is yet another paper they need. Mind you, they  never said before they needed this paper to begin with. They just keep fabricating and fabricating ... Attorney General of Ma, made them pay fines to all homeowners they had conned. But they have still not learned anything from that and continue with the same deceiving practices. You should see the long list of complaints against them sitting with the Attorney General. Mine is one of  them. 

I am now going through a financial hardship due to losing my job. I know I will see better times and when I do, I will do my best to get rid of this unscrupulous disgusting parasites that call themselves a mortgage servicing company. It would not surprised me if all those positive reviews were fake. I expect nothing less from this company. 

They kept rejecting my application every two weeks and would tell me you had all you need it and then would wait three weeks to say they didn't have what you needed. They had been doing this to me since XXXX, when I first notified you that I had lost my job and was going through a financial hardship. They will say the application is complete and is sitting with the underwriting department, then would wait to weeks to come back to me and tell me they needed more paperwork. They did this until I was 3 months behind. 

Then last Thursday, frustrated I went to their XXXX page to express my frustration with you and let everyone know how crooked they are. It's my right. But this is when you blocked me from your XXXX page, and reported me to the credit bureau the very next day. After three months. All of the sudden, they were not happy about my comments and buhuhu reported me to the credit bureau. Then two days ago, when I decide to send a mass email and include the attorney general 's office. So now after three long months of me waiting, frustrated with your scams and games, they told me that they have denied my application for a modification. It took you three months???

Company response to consumer: Closed with explanation