vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is incorrectly reporting late payments on my home equity loan within HELOC for the months of XX/XX/XXXX and XX/XX/XXXX. I have been and am current and in good standing. These inaccuracies are unfortunately impacting my credit score quite dramatically ( 80+ points ). It is extremely disappointing to have these unjust discrepancies as I have been a fantastic customer.

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 2017-08-16 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: TN

Complaint narrative:
Transunion had a breach in XXXX where inquires were taken off then added back on. They did not notify me that this had happen. It is not legal to add things to credit without notifying me in writing. Then again this same thing happen in XXXX again. Once again I was n't notified and these inquiries were added back. I called Transunion and they said they could not do anything about the above breaches. These inquires should not have been added back twice. These need to be removed immediately. Thank you for your time.

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 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed with XXXX, XXXX, and XXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2017 at approximately XXXX CST I was contacted by a caller with the phone number XXXX.
This number belongs to a firm called RMP, which appears to be a collections agency based in Texas. The only information that the employee on the phone would disclose is that the matter had something to do with " a personal matter. '' I asked the employee if this was a debt collection call, which she refused to answer, again stating that the call was regarding a " personal matter. '' The employee would not discuss further unless I verified either : the last 4 digits of my social security number, date of birth, or current address. I did not feel comfortable proving this personal information to an unknown caller, and I ended the call shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
on XXXX XXXX, 2017 I issued a wire transfer of {$20000.00} to another member of my family who has an account in coinbase ( XXXX account ). The money was never received, nor was it returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: MI

Complaint narrative:
Hello, I contacted TransUnion on several occasions regarding inquiries being deleted and re-inserted on my credit report. My first contact was through their online dispute system in XX/XX/XXXX. I was advised that inquiries were factual. In early XX/XX/XXXX I noticed more inquires on my credit report. So, I then mailed in a letter to Transunion advising that these inquiries were removed and re inserted without my knowledge. I again received a letter stating that inquiries are factual. I proceeded to write another letter in XX/XX/XXXX and XX/XX/XXXX. You guessed it, I got the same computerized response inquiries are factual.
I now know that Transunion has experienced 2 separate glitches that resulted in information being reinserted on credit reports. Transunion never told me that there was a glitch and that items that were deleted would be added back. I am aware of my legal rights. Transunion failed to notify me within 5 days PRIOR to adding these inquiries back to my report.
I demand that TransUnion remove all of the below inquiries for this reason.

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 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: NV

Complaint narrative:
TodayXX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XX/XX/XXXX, and 3. I paid taxes on it.
I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XX/XX/XXXXand paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XX/XX/XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to XXXX+.
A few minutes go by, I got my old records out of my dropbox account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney.
When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up.
I was nice to each persons on phone, but firm in voice, as they were too.
The Company name : First National Collection Bureau , Inc .
Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX  Amount : {$4300.00} Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX 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 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XX/XX/2017 XXXX sent me a letter saying 2 accounts from common wealth financial systems inc. were deleted ( they were not mine ) and on XX/XX/2017 those 2 accounts were sold to another creditor whom is now re inserting them back onto my credit amounts of XXXX , XXXX . They arnt my debt yet they are putting them on my negative credit which were previously deleted by XXXX XXXX. Debt collectors are, XXXX XXXX XXXX  and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed withXXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bmo Harris advertised a XXXX bonus if I opened an online account and set up a direct deposit. I met those terms on my account that was opened on XXXX XXXX, 2017. I never received the {$200.00}. When I called an associate who only identified herself as XXXX said I did n't meet the terms and there is nothing she could do.

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 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I took a friend ( a XXXX Member ) to XXXX XXXX Hospital ( " XXXX '' ) for medical attention. I had previously injured my XXXX  foot and was in pain, so I asked a member of XXXX 's Medical Staff to check to see if I had a XXXX XXXX. As it turned out, I did. I provided evidence of my Medical Insurance Coverage and XXXX was generous enough to waive a {$5.00} fee. Subsequently, my insurance company was billed by XXXX in two ( 2 ) separate claims for their service. The first Claim # XXXX was paid XX/XX/XXXX for {$41.00} ; second Claim # XXXX was paid the same date ( XX/XX/XXXX ) for {$120.00}. According to conversation with my insurance company following receipt of the collection notice, XXXX was paid a total of {$150.00} for both Claims : with one Check # XXXX. The check was cashed by XXXX on XX/XX/XXXX. I have been involved in the emergency care of a senior Family friend and have not had time nor opportunity to continue, back and forth, with XXXX after they have already been paid. XXXX has smeared my credit further and now seeks unjust enrichment at my expense. I, too, am a Senior Citizen and feel that I have been subjected to Elder Abuse due to XXXX 's inability to properly maintain their records. I am of the opinion that countless others have been subjected to the same, if not worse. I am a member of the XXXX XXXX and I realize that sometimes the dollar signs interfere with reality to such a large extent many people suffer without knowledge of being taken advantage of. Or, better yet, too worn and unnecessarily taken advantage of on a continuous basis they 've lost energy to fight. I want the record cleared based on payment received by XXXX ; a letter sent to each of the three ( 3 ) credit bureaus to clear the erroneous report. Finally, XXXX 's medical billing practices should be analyzed to ascertain how many true victims there are who 've suffered the casualties of poor medical billings! All facts were provided from the records of my insurance company ; XXXX has copies ( or should have ) of the checks received. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My complaint relates to the way American Express investigated our dispute with XXXX XXXX XXXX ( XXXX ) in XXXX Missouri which started in XXXX of 2016. Now that the dispute is a year old American Express has closed it. Throughout the dispute process we were told to contact XXXX in order to come up with a resolution. WE attempted to do this. However, once American Express paid XXXX, XXXX would not return our calls, emails or snail mail. American Express sent us documentation sent to them from XXXX which appeared to indicate that we used the third party time share exit team XXXX XXXX XXXX. We were unable to use the XXXX XXXX exit process because XXXX XXXX asked us to sign a totally blank enforceable agreement form which we refused to sign. XXXX then told us that we could drop out of the process. So the amount of money that we charged on our American Express card - {$2.00}, XXXX which included {$750.00} for XXXX XXXX XXXX should have been refunded back to us. American Express did not do this because XXXX told them that we owed them {$2.00}, XXXX. XXXX knew that we did not use XXXX XXXX XXXX and when XXXX XXXX XXXX from XXXX was talking to us he referred us to another time share exit team, XXXX XXXX XXXX, also in XXXX,. So we opted not to use this group either. So we opted not to use this group either which according to Better Business reports, was under investigation. So we opted not to use this group. We tried to open another dispute with American express with the {$750.00} amount subtracted but American Express said it was too late that they had already paid XXXX. XXXX has our money which means that technically we are members of this group but they have not communicated to us in any way to even acknowledge that they we are technically members of XXXX even though we do not want to be members and only joined because we were told that this was the only way we could access the exit team that they could guarantee would get us out of our XXXX resort time share. Unfortunately, the XXXX promises that we were depending on were all verbal. We understand that according to contracts that we signed with XXXX we owe them some money but not the money that went toward a time share exit team that we clearly did not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have paid this debt, I pressured/threatened to pay the amount and was promise once I paid it, it will be removed from my credit, it is still on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: FL

Complaint narrative:
XX/XX/XXXX, put a contract on a home through Guild Mortgage, property address is in XXXX, sc XXXX XX/XX/XXXX, I did inspection for a streamline XXXX mortgage, total mortgage {$100000.00} XX/XX/XXXX, unknown to me, presidentially declared disaster damaged the home before we closed XX/XX/XXXX, I closed on my home but the lender did not do a post disaster inspection for damages as a result of the storm as required in FHA guidelines XX/XX/XXXX, contractor began streamline XXXX repairs but was unable to finish due to additional damage not included in the mortgage as a result of the storm XX/XX/XXXX, I was unable to even move in the home because the damage was so significant and severe, mildew and mold and flood damage, furniture was moved in and also damaged from mildew XX/XX/XXXX, retained an attorney to work with Guild Mortgage on getting the repairs done XX/XX/XXXX - XX/XX/XXXX, Guild Mortgage tried to put the responsibility for repairs on me. All the while, my attorney was in settlement negotiations with Guild Mortgage. Behind our backs, Guild mortgage applied for foreclosure in XXXX of XX/XX/XXXXXX/XX/XXXX, Guild mortgage had repairs assessed in the amount of {$160000.00}, the mortgage is only for {$100000.00}. Guild offered to take over the deed of the home in exchange for credit repair and a settlement of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX ( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I have attempted to contact midland funding on three occasions regarding this debt. First attempt was in XXXX 2017, XXXX 2017 and in XXXX 2017, they have repeatedly called and have sent me harassing letters. They do not understand that this is not my 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 2017-08-16 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: AL

Complaint narrative:
I have contacted Equifax in regards to XXXX of the inquiries that show up on my credit report. They stated that they had investigated the matter and confirmed that they are valid and to contact the company myself. I have used the address that was provided by the credit bureau of which they used to verify. However when I tried to write the company to verify the document. I received a XXXX. Therefore, it brings up a red flag on whether the Credit Bureau ( Equifax ) has actually investigated the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Sometime in 2009, my mortgage was with SunTrust and my monthly payments increased due to rising insurance costs. I requested a loan modification and was told I had to be in the foreclosure process in order to be considered for the modification program. So I asked the operator what other suggestions she had as I could not afford the monthly payments. Eventually I fell behind, I was granted the modification. Only, my monthly payment difference was a minuscule change. I can not remember exact amounts. I was given a subordinate mortgage to cover late fees, interest and lawyer fees for the foreclosure process. I am curious to know how they arrived at the {$17000.00} amount for this loan. XXXX XXXX is the servicer now and can not provide the details, as they do not have it. I have requested the information from SunTrust three times to no avail. The loan modification was totally unfair as I fell into the foreclosure process AGAIN the following year. Attorney fees were only {$1200.00}. I also went to court for the matter and not one of your reps appeared ... .only to find out later my file was sold XXXX times and starting the loan modification process all over again and have another {$40000.00} added to my loan amount.

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 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: OH

Complaint narrative:
I paid 6 debts to amcol systems they refuse to report to the credit bureau that they are aid they want to wait 90 days and wo n't send me a receipt showing I paid them for 90 days each time I call they are very rude and argue with me and tell me it 's my problem and I will just ha e to wait

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contact Transunion in regards to the inquiry from XXXX XXXX. I have asked them to remove the inquiry because the company stated that they have done a soft pull on my credit report therefore it will not leave an inquiry on my report. I had expressed that I do not want an inquiry on my report. Transunion responded and said the typical language that they had investigated the matter and found that the inquiry was mine. This is obvious that they did not even read my issue and to prove that they did not do any investigation. I have used the address they had provided and received an undeliverable address message back.

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