vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: AL

Complaint narrative:
I sent a certified letter to XXXX XXXX XXXX XXXX  asking to send me validation for 4 accounts that they have reported to the credit bureaus. XXXX XXXX XXXX XXXX violated the HIPAA law by sending me itemized letters of procedures that was done including personal information. Per the HIPAA XXXX XXXX XXXX should not have sent me itemized statement with my Medical procedures. As a third party debt collector, XXXX XXXX XXXX XXXX should not have access to my personal medical records.This is a violation of HIPAA. I did not authorize any medical professional to disclose my Medical records with any third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: IL

Complaint narrative:
I've been getting the run around. My credit card statement generated on XX/XX/2018. 
The credit report should have been updated the following business day XX/XX/2018 to reflect my new credit card balance. My credit card is paid down close to zero balance, but it has yet to be updated. When I contacted TransUnion, they advised that the report was updated on XX/XX/XXXX. This isn't accurate. 

When I contacted XXXX XXXX, they advised to contact TransUnion. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 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: IL

Complaint narrative:
I've been getting the run around. My credit card statement generated on XX/XX/XXXX. 
The credit report should have been updated the following business day XX/XX/XXXX to reflect my new credit card balance. My credit card is paid down close to zero balance, but it has yet to be updated. When I contacted XXXX, they advised that the report was updated on XX/XX/XXXX. This  isn't accurate. 

When I contacted XXXX XXXX, they advised to contact XXXX. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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:
Unauthorized Inquiries XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I called Equifax and they refused to remove the inquiries but gave me a security freeze and fraud alert. I want these unauthorized inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: Colony Brands, Inc.
State: PA

Complaint narrative:
U have 2 hard inquiries on my credit in I don't know how I pay my bills in never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: IL

Complaint narrative:
I have requested on several different occasion since XX/XX/2018 to investigate the two bankruptcies that are appearing on my credit report and several student loans.I sent letters certified in XX/XX/2018 and XX/XX/2018. I also sent regular mail letters with documents that were sent to me from the creditor themselves with information about my account. Equifax is claiming they are investigating and or reinvestigating the issues but to no avail they have not supplied me any proof of any document filed on my behalf.

I have security freezes on my social security number because of the data breach that I was a victim of. Equifax keeps giving me the run around stating that they have mailed me copies of my credit report when in fact I have not received a copy of my report since XX/XX/2018. I have tried to have a resolution to these things reporting negatively on my credit report but Equifax refuses to supply with the name of the 3rd party they are getting information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I got a 5 year auto loan with USAA. I NEVER HAD A LATE PAYMENT AND PAID MY LOAN OFF EARLY. THERE is a false claim of being 30 days delinquent on my account and no one is trying to remove this slander. The XXXX to be a trend with XXXX   having bogus things in our credit report that doesn't get removed. Definitely seems to be systemic. XXXX as well as ignorant people would claim it has to do with paying bills well if you can read. I paid vehicle off early ... and somehow was 30 days delinquent. Sounds like opppression or unfair treatment too me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
I bought furniture from XXXX XXXX XXXX in XX/XX/XXXX. My credit access is frozen because my wallet has previously been stolen. ( I have Excellent credit ). To make things easy the salesperson used Tidewater Finance.

I had planned to make 3 payments over 3 months to pay off the credit line. I was trying to keep my great credit score by borrowing and quickly paying off the credit line. 

On XX/XX/XXXX I wrote an electronic check for {$1000.00}, but oops I extra zero and I sent them {$10000.00}. That check cleared the bank on XX/XX/XXXX. I contacted them as soon as I realized it ( within 15 days ). I  have since had my request for a refund escalated to a supervisor w/ no response. Today they told me that I requested my most recent escalation in XX/XX/XXXX and I would need to wait another 45-60 days from that date ( working days only ) before they would issue a refund. They charge 31.99 % interest on balances not paid by XX/XX/18. I had a credit line for {$3000.00}, I overplayed, by accident, {$6900.00}. They have backed my refund since XX/XX/XXXX and now tell me it will be XX/XX/XXXX or XX/XX/XXXX before the refund is issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: TX

Complaint narrative:
I got a 5 year auto loan with XXXX. I NEVER HAD A LATE PAYMENT AND PAID MY LOAN OFF EARLY. THERE is a false claim of being 30 days delinquent on my account and no one is trying to remove this slander. The XXXX to be a trend with XXXX   having bogus things in our credit report that doesn't get removed. Definitely seems to be systemic. XXXX as well as ignorant people would claim it has to do with paying bills well if you can read. I paid vehicle off early ... and somehow was 30 days delinquent. Sounds like opppression or unfair treatment too me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I am having issues with SLS Specialized Loan Servicing Company. When the mortgage was turned over to them from a previous mortgage holder a couple years ago THINGS GOT REAL BAD. Since then the posting of payments made have been inaccurate and misfiled, even so to have me put into foreclosure that went all the way to a Law firm XXXX XXXX XXXX firm that SLS later found the mistake and corrected it this was in XX/XX/XXXX. I was shown as XXXX behind. They were going to take my house. SLS ended up fixing the foreclosure with the Law firm. Only saying they misplaced the money. They mailed me a statement that shows not past due, current amount and payment amount due etc. XXXX XXXX XXXX XXXX emailed me a copy of the dismissal letter and said your not in foreclosure. I now have damaged credit showing 19 plus late payments and another amount of XXXX on my credit from them! They are crooks. I have called them asking for proof of their mistake of putting me into foreclosure then them fixing it and they told me the money just got misplaced. I called SLS XX/XX/XXXX just to ask when they received my last payment and when is the next one due because i do not trust them SLS told me they have not received anything since XX/XX/XXXX!! I have the proof XX/XX/XXXX was made last week. They are ruining my credit with 19 plus late payments stating 150+ days late! This is now on my credit. I used to have them draft my house payment from my account. I had that finally come to a stop last month after a long time of getting someone to help set it up. They have horrible reviews and need to be stopped. This was my first home i purchased when i got out of the XXXX years ago. I now rent it out as its too small for my family. We were going to purchase a new home this year and the loan officer told us this was on our credit! This company is recording false payments and as my phone call the other day they still are not recording my payments. This must be stopped. Please help. Thank you

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 2018-06-22 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: TX

Complaint narrative:
There is incorrect information on my credit report from a company called XXXX XXXX. It is showing me as having been 30 days late. I dispute this, AND the company disputes it. I even have a letter from the company certifying that I was not late on this payment, but multiple dispute attempts leave it on my credit report. It only shows up on Experian as late. The company at fault appears to be Experian and not 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 2018-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
My property was Foreclosed on on XX/XX/2016 by, XXXX , XXXX . not in its individual capacity but solely as Owner Trustee for XXXX XXXX XXXX XXXX-1. I believe this was a fraudulent action, and am trying to get answers to long awaited questions, and concerns I have related to this matter. My complaint is that I can not find any viable Trusts in this name. 

I have been filing a specific request to this Association, " Trust, '' and it has continuously been sent to the Servicer, PennyMac. This would have been ok, if they would answer my questions appropriately, yet they have not. They continue to send information I have, know, and am not inquiring about. 
PennyMac continues to respond by explaining very well who 'they ' are, the " SERVICER '' and their role of, and being " SERVICER '', but this is not the information I have asked for, nor need any education in the duties of. 

I evidently need to be even more direct. 
Please do not send this complaint to the SERVICER, Penny Mac. Please send it to the Trusties for, XXXX , XXXX XXXX not in it's individual capacity but solely as Owner Trustee for XXXX XXXX XXXX XXXX. 

1 ) I want to know who XXXX XXXX Financing XXXX is? 

2 ) What does these initials stand for XXXX XXXX? 

3 ) What is their address? 

4 ) Is XXXX XXXX XXXX XXXX actually really Pennymac? 

5 ) Who and what are the names of the Trusties for XXXX XXXX XXXX? 

6 ) What is the filing number for your Association, " Trust '' XXXX XXXX Financing XXXX to do business in the state of Massachusetts which is required by Massachusetts Law under Article 2 of Chapter23.95 RCW?

7 ) What does the date XXXX mean? 

I now expect with this more detailed complaint that I know will be able to receive actual correct responses to my questions rather than the continuing insult to my intelligence. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: IL

Complaint narrative:
I have requested on several different occasion since XX/XX/XXXX to investigate the two bankruptcies that are appearing on my credit report and several student loans.I sent letters certified in XX/XX/XXXX and XX/XX/XXXX. I also sent regular mail letters with documents that were sent to me from the creditor themselves with information about my account. XXXX  is claiming they are investigating and or reinvestigating the issues but to no avail they have not supplied me any proof of any document filed on my behalf.

I have security freezes on my social security number because of the data breach that I was a victim of. XXXX   keeps giving me the run around stating that they have mailed me copies of my credit report when in fact I have not received a copy of my report since XX/XX/XXXX. I have tried to have a resolution to these things reporting negatively on my credit report but XXXX  refuses to supply with the name of the 3rd party they are getting information from.

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 2018-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I FAXED THIS COMPANY A CEASE AND DESIST LETTER AND THET STILL CONTCT ME ON MY CELL PHONE XXXX XXXX AND MY WIFE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BB&T CORPORATION
State: TX

Complaint narrative:
Not liable for debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Inaccurate bankruptcy information is reporting on my credit file. Please see the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
I took out an loan with Bay Country Finance and I don't think that I should be given the loan because I am still making car payments with my car company. I have fell back on my car payments because I am trying to pay off this title which they keep applying interest to and they are not very understanding. They are ripping people off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Not liable for debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
My coinbase account has been locked for over eight months! I am unable to buy or sell my coins, and my account was locked for no apparent reason. I called customer service, emailed them, and they gave me a ticket number to which was pointless because they did not resolve anything. I even submitted a complaint to which they said my account would be enabled in 14 business days. It has been 30 days, and the buying and selling option is still disabled! It is outrageous. How can they be so irresponsible? My only explanation is that coinbase is a fraud, and I am alerting all of those around me to stay away from them and use other platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX at XXXX in regards to an incorrect debt from XXXX XXXX. I explained to her that I went to XXXX and they advised me they have no debt for me from XX/XX/XXXX as she had stated. I asked her to send me a copy of the billing information and she stated they do not have a bill, but they only had the amount and date that was sent over by XXXX. I informed her that I spoke with XXXX several times and received a print out of an account that I had which was closed in XX/XX/XXXX. I asked her again for the copy of the bill and she stated she could not send me one because they do not have one. 

XX/XX/XXXX, I mailed them a certified letter requesting validation of debt. They replied with a letter stating this was a frivolous request. The letter did not come from XXXX but a company called Resurgent. They sent me the exact same debt collection letter XXXX sent me, just on a different letter head. I have disputed this with the credit bureaus as well and they report the debt has been verified, but it had not been verified to me. XXXX could not produce proof of the debt and their representative, XXXX, verbally stated it as well. She would not provide her last name to me or an extension number. She stated I am the only XXXX in this office. 

In addition, in XX/XX/XXXX I lived on property as a site manager. I did not have the need for any of these types of services as they were provided by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2013 I was having problems with mortgage payments to Bank of America who had recently purchased my mortgage from COUNTRYWIDE. A letter was sent to me with a statement " Amount of DEBT DISCHARGED " in the amount of {$50000.00}. At around that time I had talked to an attorney who suggested that I filed bankruptcy, I had agreed and went with him to Bankruptcy Court to file the papers. While at the court I changed my mind and did not want to continue filing. My attorney agreed with me and I left without filing the papers.

My mortgage statements for the past year has been showing Non-interest bearing principal balance {$50000.00} every month.This amount is added to my Principal monthly. I have a copy of the letter showing DEBT DISCHARGE. I am also told that a Bankruptcy is s Please hown on my files with B of A. Please investigate 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 monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Not liable for 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