vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MNE Services, Inc
State: MS

Complaint narrative:
I have been receiving phone call from a person who is claiming to be a debt collector for an online payday advance. when i asked this person to provide me with a copy of a contract with the name of the original creditor. they could not do it. This person has been calling my job repeatedly as many as 20 times daily. when told that i am not there, he become rude and abusive. I have communicated with another agency about this person and there business and was told that this person was running a scam and not to pay them. when i shared this information with this person, they treating to call my job everyday until i paid them the money they requested. My employer stated that this person called 18 times back to back using different phone numbers, after i got of the phone with him. I have asked this person to stop calling my job and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX at Transworld Systems ( XXXX ) indicating she was attempting to collect a debt from me for XXXX XXXX XXXX XXXX. When I asked her what the debt was she could only tell me it was from a service date of XX/XX/XXXX for {$60.00} and occurred in the state of Arkansas. I explained to her that I lived in Texas and not Arkansas. She could not tell me anything else about the debt. She suggested I call XXXX XXXX XXXX XXXX directly ( XXXX ) .I called on the same day and was told the debt was for a nebulizer for a patient named XXXX . I explained I did not have a child named XXXX. The medical claim was under " XXXX XXXX ''. I further explained that I had never lived in Arkansas and this was not a claim related to any medical care my children had received. The plan was to notify Transworld Systems this was a false claim. Today (XX/XX/XXXX ), I received another call from XXXX at Transworld Systems trying to collect on the debt. I explained to her what happened on XX/XX/XXXX but she stated they had not heard from XXXX XXXX XXXX XXXX. I felt somewhat threatened by her as she stated this would show up on my credit report if I did not pay the claim. When I said I was not worried about that she said " you should be '' and then she ended the call abruptly. I then called XXXX XXXX XXXX XXXX and spoke with XXXX. She did say that on XX/XX/XXXX they sent an email to Transworld Systems requesting to close out this case. XXXX did tell me that the patient did have XXXX XXXX. I also have the same insurance provider but claim had a different policy number on it. XXXX sent another request today to Transworld Systems asking them to close this case.
When I review my phone records, I can see Transworld Systems began calling me onXX/XX/XXXX ( XXXX ). I did not answer that call as I was on vacation and did not recognize the number. They did not leave a message. They called again on XX/XX/XXXX ( XXXX ) and did not leave a message. They called again on XX/XX/XXXX ( XXXX  ) and did not leave a message. They called onXX/XX/XXXX( XXXX ) and did not leave a message. They called on XX/XX/XXXX ( XXXX ) and did not leave a message. I do not want to block these calls until I am certain this issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: AL

Complaint narrative:
TAX LIEN DEBT SATISFIED. The tax dept was satisfied in XXXX  2012. Satisfied Tax liens are supposed to be removed from ALL credit reporting agencies.
Case/Docket # XXXX Date Filed XXXX XXXX, 2012 Date Reported Court XXXX County, Alabama. Status : Satsified Lien Amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax requested documents to be submitted to them via fax to self identify. On XXXX XXXX, 2017 a copy of my driver license, social security & proof of current address was faxed. On XXXX XXXX, 2017 I spoke with an Equifax associate, who stated they ca n't seem to located faxed documents. After 30 mins of dealing an associated, I was placed with a supervisor. Supervisor stated since its been 48 hours since I faxed my self identifying documents, I could upload the documents using the dispute function on their website. After uploading the document as requested, the supervisor asked about an account belonging to me, that she just recommended I use to upload self identifying documents. Supervisor still was unable to answer my question, as to why I can not review my credit report online, nor could she answer the question, what happen to the information just upload to verify identity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Back in XXXX 2017, Bank of America sent me paperwork stating my loan was eligible for a recalculation or recast. I 'll add attachment to this complaint. I received paperwork, signed paperwork and sent back to BOA. BOA stated they received early XXXX 2017.
On X/X/17 I called BOA to check on changes to my account for the recast because paperwork stated it would be on around XXXX 2017. Representative state she did not know why I have not received paperwork to finalize and she would escalate the matter to have notarized paperwork sent. I never received anything. On XXXX/XXXX/17  asked about recast paperwork and when I would receive. Representative stated request would be made and will be sent me me within 48 hours. Believe I spoke to a person by the name of XXXX, she stated she re-sent request or recast to be sent to me and copied her manager/management. Still received no information from BOA. On XXXX/XXXX/17 I called BOA and representative stated my loan was not eligible for recast! If you see on attachment for eligible credentials, I have all of them!!!!! My loan is current, has been in good standing for years, and all incentive would be applied to my loan.
BOA should not be able to notify you TWICE with recast paperwork ( received attached paperwork twice in the mail from BOA ) and then state I was not eligible.

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 2017-07-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Pursuant to 15 USC 1681 g ( a ) ( 1 ) I requested a copy of my credit file from both XXXX and Trans Union.
XXXX responded with a copy of a credit report.During my discussion with their customer service and supervisory people. I was informed that the file and report were the same thing ; and that the my file belonged to XXXX ; and that I have no right to it.I replied that the information is mine ; and the statute mandates that they provide it upon request. They stated that would not ; and that I would need to sue them ; and then subpoena the file.
Trans Union did not reply at all to my request,.

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 2017-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I have written and sent a check to Walmart/SYNCB back in XXXX. I have called Walmart Credit Card services multiple times. The first time an employee hung up on me and the second time the manager had told me she would contact me once she found anything out. The company billing manager never returned my phone call. I called yesterday X/XX/17 and the billing manager XXXX was denying my payment. I have a copy of the check that was written and it was cashed XX/XX/XXXX. The payment must have been submitted to the wrong account but Walmart is not admitting to their mistake. I faxed over a copy of the check and the back of the check stating it was cashed. I am not sure what else I can do. I sent a check to pay off the card but they are telling me they have n't received it. I have proof stating I have and it 's been cashed. It is putting my account past due and going to show on my credit report.

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 2017-07-28 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: AL

Complaint narrative:
TAX LIEN DEBT SATISFIED. The tax dept was satisfied in XX/XX/XXXX. Satisfied Tax liens are supposed to be removed from ALL credit reporting agencies. Case/Docket # XXXX Date Filed XX/XX/XXXX Date Reported Court XXXX XXXX, Alabama. Status : Satsified Lien Amount {$1300.00}

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 explanation
Consumer complaint received 2017-07-28 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: Credit Service, Inc
State: KY

Complaint narrative:
In XX/XX/XXXX I contacted the company and explained that the balance is still reporting incorrect on my credit report. My account was sold to a third party vendor, and in XXXX my husband agreed to pay around 1300, we paid {$650.00} and the company never corrected the balance on my credit report. Also when I called them they said that even though I paid they would not send me a receipt for the payment I made and also would not correct the balance on my credit report until I paid the remainder balance. I contacted the credit bureau and they claimed the error is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: ID

Complaint narrative:
I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation onXX/XX/XXXX with XXXX that my current home loan with XXXX  XXXX # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX ; XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.

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 2017-07-28 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: ID

Complaint narrative:
I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation onXX/XX/XXXX with XXXX that my current home loan with XXXX Loan # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: ID

Complaint narrative:
I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with XXXX that my current home loan with XXXX  XXXX # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.

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 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid my last XX/XX/XXXX statement balance of {$9600.00} IN FULL on XX/XX/XXXX with Capital One.
My account is listed as closed yet they issued a {$15.00} interest charge " on purchases '' on XX/XX/XXXX. My last purchase was XX/XX/XXXX, a full three statements/months ago.
When I spoke with the rep, he could not give me a valid explanation on what the interest charge was specifically for. He told me that in order to close the account I have to pay " two full statements in full ''... How am I supposed to pay two full statements in full if there is a XXXX balance? Oh I know, they arbitrarily assign a {$15.00} " interest charge on purchases '' even though I have n't made any purchases in months, and the last statement was paid in full, and the account is listed as closed. This makes no sense and I 'm not paying another dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
On XXXX/XXXX/2017 I made a payment on my FHA loan that reduced my principle balance to below the 78 % of purchase price that should have triggered automatic removal of PMI from the account. During this time period our loan was in the process of being transferred from XXXX XXXX to LoanCare LLC. I spoke with customer service from both institutions around that time and they confirmed that PMI should automatically be removed from my account. 3 months have passed and I have again reached out to LoanCare LLC and they still have not removed the approximately {$85.00} they are charging me every month for PMI. They are insisting that I have to send them a request in writing to remove PMI which is in violation of HUD/FHA policy. Between 78 % and 80 % you have to request removal in writing. Below 78 % should be removed automatically. I am also under contract to sell the house which puts a tight time frame on fixing the error.
To compound the problem their website at the same time says I do not have PMI and yet I see the {$85.00} coming out each month. LoanCare LLC customer service reps continue to confirm they are charging for PMI and despite talking with their managers a few times they will not give me a straight forward answer or even send me an email stating they are review the issue. Because the website states we do not have PMI we ca n't even fill out the form necessary to request the removal of PMI, which at times the company says we are required to fill out to remove PMI, even though we are below 78 %. We have spoken to customer care members XXXX ( ID XXXX ) and XXXX ( ID 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 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
Hello, I have tried multiple times to send requests for reciepts to be mailed to me along with my remaining balance. Over the past week i have contacted Southern Oregon Credit almost everyday trying to get information on my debt yet they are with holding the information. I have no clue if they are adding to my debt, if the payments are actually going to their purpose, and if they are trying to wrongfully increase my interest. I have nothing for my records from Southern Oregon Credit and have not recieved anything via mail regarding my debt for about 2 months or longer. Im tired of playing these games with this company. It goes to show that all those consumer complaints online are true. I get responses faster on this complaint site than i do from Southern Oregon Credit and they are literally located 10 blocks from my house. I refuse to call or go down there due to the vulgar language, abuse, and collection tactics. I want this to be over, i never want to be affiliated with this company ever again. I plan on taking action so that in the future other consumers will not be forced to deal with this company. I want my information that is being with held! I WANT RECIEPTS FOR XXXX/XXXX/2017, XXXX/XXXX/2017, AND ANY THEREAFTER. i AM BEING GARNISHED SO I HAVE NO OTHER WAY TO KEEP RECORD OF WHAT THIS COMPANY IS TAKING AND THERE SHADY TACTICS. THIS SHOULD BE REPORTED. THERE ARE LAWS BEING BROKEN PER THE STATE OF OREGON. I WILL BE COMING IN FOR THE FINAL PAYMENT TO GET COPIES OF ALL NECESSARY DOCUMENTS SHOWING SOUTHERN OREGON CREDIT HAS BEEN PAID IN FULL ALONG WITH A WITNESS AND RECORDING DEVICE. i have read from previous consumers about how this company will report debt as unpaid to continue garnishment despite being paid in full and i refuse to be your victim. I have copies and records of all my attempts to communticate with this company i also have verbal recordings of your creditors who use alias 's and their threats / vulgar language. Just something to keep in mind. I will keep cobntacting you and keeping record of everything until you facilitate what i am asking for, it 's not much and its the least you company can do for all my hard ships and suffering with the treatment i have recieved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation