vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
This company collection of Athens is a complete fraud on consumers violating our Civil rights act, consumer financial and federal credit protection! I DO NO OWE THIS XXXX  XXXX XXXX. Has any one attempted to dial the phone numbers presented on this complainants in the past? I suggest that you do. Because this company has pulled and found illegally medical claims from innocent people who do not owe them as the bills where settled in the insurance transaction and or doctors office! And because coll of Athens has failed to do the right thing this is a major violation Of ones rights and consumer protection! Ruining someones credit and livelihood!! Dr at the XXXX  ( XXXX  ) XXXX even this automated systems if you have my real information shows no balance : : : : XXXX ( XXXX  ) XXXX The Dr already contacted this bogus coll co and they failed to call him back, as he is the biller  and says I dont owe a XXXX! Besides that he does not work with this ERRONEOUS CO TO BEGIN WITH HOW DID THEY GET MY CONFIDENTIAL RECORDS FROM XXXX to say that I owe and I fully do not as of XXXX. Coll of Athens refuse to corporate and update anything because their full of fraudulent activities! 


Receipt Dear Member, Thank you for your recent payment request. We want to confirm that you verbally authorized XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  ET to initiate a one-time Credit Card charge to your account. Details regarding the transaction are below : Also the attached EOB SHOWS CLEAR OF PAYMENTS IF YOU CAN READ AN EOB AND CALL THE DOC NUMBER I GAVE YOU RO CLARIFY THIS ERRONEOUS MIX UP YOUR CLAIMING I OWE!!!!! 
Name : XXXX  XXXX Customer Number : XXXX Confirmation Number : XXXX Scheduled Settlement Date : XXXX Total amounts paid : {$300.00} and {$260.00} ( Insurance paid in coinsurance/deductibles ) The payment will be completed on the Scheduled Settlement Date or shortly thereafter.

If you have any questions or concerns, or if you require clarification regarding this email, please call the number on your ID card. Please do not respond to this email as there is no one monitoring this email address. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  See other medical terms : XXXX  department 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 2020-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reached out to XXXX, Transunion, XXXX, and XXXX on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow.

This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....

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 2020-10-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to XXXX, XXXX, Equifax, and XXXX  on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow. This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit
limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: PA

Complaint narrative:
I have reached out to XXXX, XXXX, XXXX, and experian on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow. This account is charged off and sold to a collection agency but reporting
a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
I am one of the unfortunate folks to have my mortgage loan servicing assigned to Select Portfolio Servicing, XXXX, UT. Ever since my  mortgage servicing was assigned to them, I have not been receiving monthly statements in a timely fashion. For example, last month 's statement was supposedly printed on XX/XX/XXXX and mailed. The due date for payment was XX/XX/XXXX. I didn't receive the statement till XX/XX/XXXX w

ell after its due date. And this has been consistent since given the sad news that my mortgage servicing had been assigned to this joke of a company. I have contacted them both by telephone and in writing on several occasions to discuss my experience. The response I have gotten is essentially, " it sucks to be you. We aren't going to do anything about it. So the process I am forced to do, is
wait for the statement to be published on their website. It is never consistent and usually shows up several days after it was " printed. '' I have to download it, print it out, fill it out, write out an envelope, put a stamp on it and mail it in if I want it to show up ahead of the due date. The response I have gotten back is that " we aren't doing anything
wrong '' and to " check with the post office. '' This isn't an issue for the post office. All of my other bills show up on time. This is the only one that doesn't.

I have not been able to speak to anyone beyond customer service to get this straightened out. They won't let me despite asking. Their cavalier attitude when it comes to " customer service '' is beyond reproach.

All I am asking for is a timely statement. You'd think that wouldn't be  much to ask. Seems everyone else I do business with provides timely statements. Nope. Not SPS. I maintain a 825+ credit score and am  XXXX about making timely payments. It frustrates me to no end that I can't make a simple request of a mortgage servicing company like this and being treated as a second class citizen. If there was any lick of common sense exhibited by SPS, you'd think they would want to resolve it. Nope. Instead, common sense remains elusive and out of reach. 

I am frustrated and mad that I am stuck with this joke of a company when I didn't ask for it. And I am angry as XXXX I can't do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Since XX/XX/XXXX, we have been having a problem with submitting auto loan payments to Fifth Third Bank XXXX. We took out the loan in XX/XX/XXXX, which we obtained through our local car dealership, XXXX XXXX, and we have not encountered any problems until now. In XXXX the check that I submitted to them on time never cleared my bank. I tried to contact them by telephone and online ( www.53.com ) and can not get through to anyone at XXXX. I have tried numerous times. The one time I did manage to get a live person on the phone, the person hung up on me before I could say anything. I received a letter from the bank  dated XX/XX/XXXX asking for me to resend the check, which I did within two days of receiving it. I sent the second check for the  XXXX car payment on XX/XX/XXXX. I sent the second check certified and return receipt requested through the postal service. To this date, XX/XX/XXXX, neither check has cleared my bank. I have informed my local branch bank. The XXXX check is coming due and I do not know what to do. I saw in the news online recently ( In XX/XX/XXXX ) that Fifth Third Bank XXXX has a lawsuit against them for unethical practices, and that they recently charged 11 employees with stealing funds from customers. I am concerned and wish to resolve this problem. I have never missed a payment or been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TDF Financial Services, Inc.
State: WA

Complaint narrative:
I have submitted 4 disputes to TDF financial since XX/XX/2020, I have not received a single response. I requested a debt validation, sent a dispute asking for the contract showing this belonged to me, submitted another dispute saying they did not respond and they need to delete the debt.

The company has not responded to any of my disputes, therefore this account is required to be deleted from my credit report. They had 30 days to validate the debt or delete it, they failed to respond and they are failing to follow the law. They also failed to list the account as " in dispute '' on the credit report, which is another legal violation.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for Macy credit card and it turned out it was rejected again because they couldnt verify my identity but they were able to call me on my phone number with the fraud alert on my credit report and unable to give me any alternative so I can get approved for this credit card and I ask that lady if I could fax a copy of my ID and my social security card she she that impossible and that I need to wait for a letter to come in my mail for 7-10 days which its crazy and Ive been trying my hardest to get this credit card and I explain to the rep that I had my phone for a year and it was registered with public records and the other creditors

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Hello, LoanCare / XXXX have destroyed my credit and my mother 's credit due to their incompetence in my loan servicing and reporting. My payment was sent in XXXX for XXXX and XXXX payment and I make sure that the instruction was properly relayed to LoanCare / XXXX, but they maliciously applied the payment to XXXX only and reported my mother 's and my payment late to the credit bureaus. I have spent more than 60 hours trying to have them rectify this situation to absolutely to avail. Every time I call, I'm told that a letter will be sent out to me stating that I'm not late on my payment, but up till this moment, that letter is yet to be issued. My credit score have dropped from XXXX to now XXXX from my recent inquiry of XX/XX/2020. I have never been late on my mortgage payment and this seems like a systemic bias becasue every time i call, I'm being placed on a 58 to 2 hours hold without anyone assisting me. Today I called and spoke to a Mr. XXXX ID # XXXX who then placed me on infinite hold that lasted for more than an hours with the automated system stating that there is no one available to take my call. I'm currently unable to refinance my home from a 4.75 % interest rate to available 2.50 % rate. My mortgage broker, Mr. XXXX XXXX have relentlessly attempted to assist me to no avail as well. Him and I have been calling for more than a week now. LoanCare / XXXX have destroyed my credit and now might make me loose my home. I need help asap.

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 2020-10-13 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX was paid in full. both the account states it was late. it was not. In addition XXXX XXXX XXXX was added to my credit report one was filled with my bankruptcy. The second one was disputed, as i did not receive any notification. Nor do i believe this debt belongs to me.

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 2020-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: FL

Complaint narrative:
I received a letter with an loan offer from Clearpath lending ph XXXX XXXX XXXX XXXX call themselves VA SPONSORED LENDER ) stating that I had in the past an veteran administrative loan of {>= $1,000,000} when in fact I never had any type of loan with VA. 
In the letter they offered VA sponsored interest rate reduction refinance loan ( IRRRL ) Notification Nr XXXX I called them and they said is public info and hang-up Please investigate the way this company/bank operates to mislead customers and use fake records to lure in new customers They illegality stole my private info and mix it up with a fabricated past loan records to confuse me in order to make me agree to whatever scam they are planning. 
This is not a business practice you should tolerate if you care about consumer protection

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 2020-10-13 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have submitted disputes every month for 6 months to all 3 credit bureaus - Equifax, XXXX  & XXXX. I've received confirmation that the bureaus have received my disputes, but I have never received a response, the account I'm disputing has never been listed as " in dispute '' and the inaccurate information is still on my credit report, damaging my score. 

Not one of the credit bureaus has responded to any of my dispute letters, this is not only illegal, but that means the account in question qualifies for deletion from all 3 bureaus. 

The account I've been disputing is XXXX XXXX, it's a loan that was never personally guaranteed by me, it was a company I worked for, but had nothing to do with me personally. This is illegal and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services Association
State: OK

Complaint narrative:
My son went to his doctor in XX/XX/2019 for XXXX XXXX. His doctor wanted him to have a XXXX  XXXX and XXXX. His doctor said she could not put in a referral for the services until they were authorized by XXXX. She submitted the authorization requests. They were approved. She sent the referrals and the service were performed. According to the itemized list I received, XXXX paid for the services that were pre authorized. Now over a year later, XXXX has sent me to collections for over {$2000.00} with no reasoning or explanation as to why XXXX would " deny '' a pre authorized service over a year later that they had already paid for. Why would I be sent to collections for services that were pre authorized before they were completed? I have contacted XXXX and have received no response. I have contacted the XXXX and they will not give me any information because I am not on his record in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am reporting a problem with citibank ( citi Thank you account ending XXXX ) that took place last winter. I am requesting citi to reinstate the lost points or send me the equivalent monetary value of the earned points. 

I signed up for the above mentioned card under a promotional offer for XXXX citi thank you points. I met the minimum purchase under the terms of the offer and received the XXXX points bonus. I also continued to use the card at time, accumulating additional points throughout the year. 

As the annual fee came due, I decided to consolidate credits cards and not renew this card instead transferring the earned points to another citi account. At the time, my annual fee was overdue, so I called the citi help line to get this resolved and also transfer the points. This call took place on XX/XX/2019. The citi employee who helped me told me that it will take time to unfreeze my account and that I would not be able to see the transfer of points several days later. This employee then proceeded with closing my account and refund the overdue annual fee, therefore clearing my balance. 
I followed with Citibank on XX/XX/XXXX and XX/XX/XXXX and again XX/XX/XXXX as the points had an expiration date and I was worried they will just never transfer and just expire. On XX/XX/XXXX, this call was escalated to a manager who told me that because my account was overdue before closing, they were not able to unfreeze the points, and therefore I will loose them all. 

This is a procedural mistake from citi bank in closing my account and therefore I should not bear the loss of these points. The order should have been to unfreeze the points, transfer them to the requested account, and then close the account per my request. 

XXXX statement has been included as an attachment.

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