vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
RE : XXXX Employee No. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX ( XXXX  ) Salary Policy XXXX Claim No. XXXX ( XXXX ) XXXX Claim No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Salary Policy XXXX Claim No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Claim No. XXXX XXXX   Dispute Report No. XXXX XXXX Dispute Confirmation No. XXXX XXXX   Dispute File No. XXXX On XX/XX/XXXX I had a telephone discussion with Ms. XXXX XXXX XXXX, Disability Specialist with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. operating on behalf of my employer, XXXX XXXX ( I.e. XXXX XXXX XXXX XXXX ). Our primary topic was the {$2000.00} alleged overpayment from XXXX to me, based on XXXX XXXX   data indicating I somehow transitioned from XXXX XXXX XXXX to XXXX XXXX XXXX during XX/XX/XXXX and an overlap occurred of the two XXXX payment types ( XXXX vs. XXXX ).

I neither applied nor transitioned to XXXX XXXX XXXX and XXXX XXXX cancelled XXXX Claim No. XXXX on XX/XX/XXXX.

I never received XXXX and XXXX payments simultaneously, as I never received any XXXX payments at all.

My explanation during the call with Ms. XXXX was as follows : XXXX Looking at Spreadsheet 2 ( XXXX   ), Column H, notice that the pay period of any XXXX  Payment Voucher listed does not go past XX/XX/XXXX, which was the end date of my XXXX period. However, my XXXX claim was denied by XXXX / XXXX XXXX on XX/XX/XXXX and all payments cancelled at that point. The denial was overturned on appeal XX/XX/XXXX and all XXXX payments up to XX/XX/XXXX were supposed to be completed as soon as possible thereafter.

XXXX did not commence a XXXX period or XXXX payments on my behalf during XX/XX/XXXX as no application forms and medical records were submitted to XXXX  and I immediately requested XXXX  to stop the XXXX -> XXXX  transition anyway. There is {$18000.00} worth of XXXX payments in Spreadsheet 2 that XXXX   Payroll has never disbursed to me, and XXXX XXXX / XXXX  appears unaware or unconcerned about this non-payment. Thence, the XXXX  Salary Plan did not overpay me by {$2000.00}.

( Please review attachments XXXX -and- XXXX. ) XXXX Ms. XXXX concurred with my explanation ; XXXX XXXX cancelled & removed the {$2000.00} from debt collection. On XX/XX/XXXX, however, XXXX XXXX reactivated the {$2000.00} amount and assigned it to Adler Wallach & Associates , Inc. ( AWA Collections ). This action significantly compromised my ratings with all three credit bureaus XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX as well as with XXXX XXXX XXXX ( XXXX ). I disputed the AWA Collections account with all three credit bureaus during XX/XX/XXXX. XXXX XXXX deleted this account from my XXXX credit file on XX/XX/XXXX as a result of their investigation of my Dispute. However, XXXX  and XXXX  decided not delete this account, with no specific explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
Mortgage was opened in XX/XX/XXXX through a local bank and immediately sold to XXXX ( Lakeview ) Loan servicing out of Virginia. I paid my mortgage in split payments every month with no problem until XX/XX/XXXX. My first payment of the split payments somehow was applied entirely to principal which began a downward spiral. In XX/XX/XXXX I was charged a late fee which was reflected on the bill mailed on XX/XX/XXXX. I called and they said they fixed it and waived the late fee. They told me I cant split payments. Since I had already made one-half payment for my XX/XX/XXXX ( XX/XX/XXXX ) bill. I made the other half of the payment. On XX/XX/XXXX, I called to straighten out XX/XX/XXXX and XX/XX/XXXX and they told me it would be 7-10 business days to get it straightened out and would not be reflected in my credit score. I called back XX/XX/XXXX and to follow up and they said they needed more time. I then called again XX/XX/XXXX and asked to speak to a manager. After waiting 40 minutes on hold the manager told me it would be straightened out in 48 hours since it was supposed to be resolved by XX/XX/XXXX. I am now calling back to follow up again and have been on hold for 1 hour and have not yet spoken to anybody. I reluctantly paid {$1100.00} more on my XX/XX/XXXX payment so the loan wouldnt be considered delinquent anymore to avoid this happening again next month.

In the meantime I am trying to refinance my mortgage thru a local bank that has assured me that they will not sell it. Although I was approved, XXXX has reported a missed mortgage payment to the credit bureau and it has affected our ( my husband and myself ) credit score by decreasing it 110 points. My local bank can not close on my approved loan until XXXX fixes my payment history and our credit scores. Despite my diligence in following up, they are not answering my calls. This company should not be in existence considering they cant seem to get anything right. This is my 3rd house and I have never had this much trouble paying my mortgage nor have I ever had a late payment.

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 2019-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My loan is with Wells Fargo. The foreclosure trustee is XXXX. I have attached the XXXX listing along with my notice of default.

I have a notice of default dated XX/XX/19. I am in mediation and currently in a trial payment plan for a modification. I have no foreclosure sale date assigned to my property. I have not received a notice of trustee sale assigning a date. I am told a Notice of Default is not a publicly recorded record.

Why is it allowed for someone to plaster the internet to say that my house is going to be sold at auction? This is wrong. I am being hounded by phone calls and mail. People coming to my door. One man came twice even though I told him that there is no sale date and I am in a modification along with mediation that freezes the foreclosure process to stop a sale date from being assigned. I am even being texted. One man calls over and over and over again and will not stop.

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 non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX runs an Urgent Care Clinic in XXXX XXXX< WV where I went for treatment. They took my information and credit card #, then asked what I was there for ... .I explained my symptoms and they said they could not help me and told me to go to the nearest Hospital / Emergency Room. I have filed multiple complaints with the company and they told me at one point they were dropping the claim that I owed them since they did not treat me - now I see this is the only negative mark on my credit! They have submitted this for collections ( through " Transworld Sys./XXXX '' at XXXX ). I need this to be removed and not reported on my credit. No service provided, no treatment rendered, but somehow they want to charge a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I spent 4 hours trying to reach customer service to freeze my credit, could not.

The recording said " If you don't want to wait online hit # 1 to leave a callback number.

I did so three times, each time I got a busy number.

I tried again on XX/XX/2019, after 4hours and 40 minutes I gave up, again I tried 4 times to leave a callback number, each time I got a busy signal.

This is unacceptable, there are thousands of complaints against Equifax.

Why are they allowed to do this?

Something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company Midland Credit Management aka MCM keeps calling my work although I have told them repeatedly no personal phone calls are allowed. 

Today the rude lady would not give me her name or any information They called again today at XXXX PST. I have no known business with this creditor and they are not allowed to call my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: TN

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) XXXX XXXX is claiming that I made a {$500.00} payment which I didnt make and now the ( 3 ) credit bureaus have moved the date of last activity forward. This is clearly a violation of the Fair Credit Reporting Act to make up payments that have not been made in order to move up the date of last activity. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : XXXX XXXX  XX/XX/XXXX Capital on Finance XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX Equifax Mortgage   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. Additionally, I previously filed a CFPB complaint on XX/XX/XXXX in regards to the accounts that were supposed to have been removed and only 3 accounts have been removed. The one remaining account XXXX on my credit report continues to negatively affect me and I have never received adequate validation that the debt is mine nor that it was never paid by Medicaid/insurance. I do not believe the account belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TN

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) XXXX XXXX is claiming that I made a {$500.00} payment which I didnt make and now the ( 3 ) credit bureaus have moved the date of last activity forward. This is clearly a violation of the Fair Credit Reporting Act to make up payments that have not been made in order to move up the date of last activity. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have not been successful.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) XXXX XXXX is claiming that I made a {$500.00} payment which I didnt make and now the ( 3 ) credit bureaus have moved the date of last activity forward. This is clearly a violation of the Fair Credit Reporting Act to make up payments that have not been made in order to move up the date of last activity. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-07-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX at XXXX XXXX  I called 5/3rd customer service number to discuss inaccuracies on my credit report. I spoke to a wonderful agent rep named XXXX her employee number is XXXX. I informed XXXX that I was reviewing my credit report and I saw some inaccurate info on my credit profile and I was calling to hopefully get a resolution. I informed her that I originally fell behind because my statement always came late. I told her I called in the past ( XXXX ) to get the fees removed because I could not afford the minimum with the late fees and other penalties. I called 5/3 several times and MULTIPLE agents told me that they could not help because my account was not delinquent enough. She agreed that was there business rule. I confirmed my current address ( XXXX XXXX XXXX XXXX, XXXX GA XXXX ) and she said that was the address on file. I advised her to look at my statements and she confirmed that the address on the statement was my previous address of XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX said she would have to do some digging about to why my statements have the wrong address. XXXX also saw that a change of address was submitted on XX/XX/XXXX. I moved to that address on XX/XX/XXXX. 
I sent enrolled this account to XXXX XXXX in XX/XX/XXXX and she confirmed that 5/3rd set me up for credit consulting in their system on XX/XX/XXXX. I informed her that I simply want all they negative remarks removed from my account. 

Today on XXXX XXXX returned called back to provide me an update and she said that she 5/3rd would not update the remarks on my Credit File because statements are not required they are a " courtesy ''. I informed her that according to the Fair credit act you are suppose to get a statement. She said 5/3 said no, it a courtesy. She encouraged me to dispute if I feel that 5/3rd is not reporting correctly. I still have late marks from late last year after I was approved for the program. They are not reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
Good morning, on XX/XX/19 we ordered the Reverse Mortgage Payoff ( deceased seller ) with the Appropriate Authorization. We received the payoff demand on XX/XX/2019. The demand expired XX/XX/19 ( only good for 7 days ) even though we stated payoff to XX/XX/19 ( We are attempting to close the Sale today and the new lender is ready  to fund ) If we do not get the UPDATED PAYOFF today ( which we ordered an UPDATED PAYOFF ) The new buyer loses their Locked Interest rate and will require a redraw of the new loan ) IF THEY CAN RELOCK THEIR LOAN. Seller 's Heirs are afraid they will lose the sale and if so, then can not payoff the reverse mortgage required When there is a death of seller ( Mortgagor ) ( 3 PEOPLE ) are quoting 10 business days from the receipt of  Attorneys payoff figures and are being steran and unmoving with Heir. The buyer purchasing the property may lose their interest lock and not be able to close. In turn SEller 's Heir would have to try to sell the property again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Years ago, I closed my checkings and saving account with 5/3rd Bank and thought nothing more of it. Approximately 3 years later, in XXXX, I received a call from a collections agency, XXXX XXXX XXXX XXXX XXXX, that informed me of a debt I had unknowingly incurred after a payment posted to my aforementioned checking account that was closed. After calling 5/3rd and learning that both the debt was legitimate and that it had been sold to a debt collections agency after 5/3rd lost contact with me ( my phone number had changed ). On XX/XX/XXXX I settled with XXXX XXXX XXXX, XXXX for the amount of {$380.00} and obtained documentation proving as much. In subsequent years I would occasionally receive calls from other collection agencies inquiring about my 5/3rd debt, to which I would then showcase my settlement letter and they would go away. 

Fast forward to last month ( XX/XX/XXXX ). I got another call from a collector, name unknown to this day, who, as usual, threatened me with a subpoena. I then went through my usual routine of providing them with my settlement letter, having been given an email address to send documents to : XXXX. This email address didnt work, having received a " return to sender '' email, so I called them back. They gave me a different but similar email address : XXXX. I tried that and got the same " return to sender '' email even after calling back AGAIN and them issuing me the same email address. After further investigation, I noticed that in the first email, I had spelled satisfaction incorrectly in the address. So, in theory, that explains that however, I called and stated that I couldn't get an email to go through to them and the person I talked to stated that if I emailed again they would take me to court for harassment. I responded by inquiring how they got my emails if I had gotten three separate " return to sender '' email for every address they had given me. He denied having the problem so I asked whether there were any attachments to said emails, to which he replied " yes '' and that the processing dept would review them and I would hear back in a week. 

A month elapses and I hear nothing. Having been told I would hear back in follow up but never did, I decided to call to check on the status. Calling the phone number that first called me, XXXX XXXX XXXX XXXX, I was told that the status of my account was " Refusal to Pay '' and that the company in question was in the process of drafting a subpoena for me. 

This was confusing as I had shown the company my settlement letter that had been accepted by at least ten other collections agencies, until this one.I stated as much over the phone. At this point I don't know what to do and I fear that a serious scammer has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a transaction on my account that has been on hold since XXXX, 7 years ago to this day! I was unaware of the funds, as I thought it was a savings account. I was charged a service fee for this account on XX/XX/XXXX for XXXX. When I looked into the account and seen the number of funds in the account, I immediately wanted them moved to my current checking account. I have spoken to over 10 representatives regarding this issue, starting with the bank institution. No one has provided any information of than accusing me of fraud and money laundering. I was asked today by the case worker on my account to provide documentation that the funds belonged to me. I said who else would have funds in their account for over 7 years and it would belong to someone else. The bank caseworker XXXX XXXX then warned me again that the hold would not be removed and there is nothing else she can do. I am at my wits end here. I am being criminalized and ignored as a loyal customer for almost 20 years.

Company response to consumer: Closed with explanation