vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California
State: CA

Complaint narrative:
This is in regards to the company response on my case. 
The number that was provided is a scam. I have called numerous times during normal business hours and left a couple of voicemails with no call back or response. This is just a voicemail line with someone named XXXX XXXX. They make it literally impossible since there is only one person they claim to handle disputes. but is never available, no one ever picks up the phone or call back. Its just a voicemail line and they claim they will call back but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: SC

Complaint narrative:
I have several inquiries that I didn't authorize from XXXX XXXX and Car dealers. They are listed on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hello, we have big problem, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions Specialist, Inc.
State: TX

Complaint narrative:
This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. 

This company did not provide a copy of its surety bond as they stated in compliant XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX They were supposed to update credit bureaus as of XX/XX/XXXX info since my wifes been calling since XX/XX/XXXX as it is closed then open on both our credit reports and, I did threaten to sue them for the pain and suffering it has caused. It has been closed and opened since XX/XX/XXXX off and on. We originally told we would get a new acct number since we redid our loan. 

They are taking their time meanwhile harassing both of us by phone call after phone call. Spoke to a XXXX who claimed it to be Equifax at fault for reporting false information. That they submit information and, its up the credit bureaus to accurately report. 

My credit shows the account as being closed as she is the primary holder updated on XX/XX/XXXX on Equifax. The letter we received from XXXX shows it was closed with no balance as of XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX They were supposed to update credit bureaus as of XX/XX/XXXX info since my wifes been calling since XX/XX/XXXX as it is closed then open on both our credit reports and, I did threaten to sue them for the pain and suffering it has caused. It has been closed and opened since XX/XX/XXXX off and on. We originally told we would get a new acct number since we redid our loan. 

They are taking their time meanwhile harassing both of us by phone call after phone call. Spoke to a XXXX who claimed it to be XXXX at fault for reporting false information. That they submit information and, its up the credit bureaus to accurately report. 

My credit shows the account as being closed as she is the primary holder updated on XX/XX/XXXX on XXXX. The letter we received from Experian shows it was closed with no balance as of XXXX on XX/XX/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 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hello, 01- I have been paying {$30000.00} per month since XXXX, Original Loan : {>= $1,000,000}, present loan balance : {$210000.00} ( My Business Real Estate, located in XXXX , TX ) website : XXXX ( I can send you any documents you want for your review ) 02- I have only one credit card : American Express , I have been a member since XXXX my average monthly payment is from {$12000.00} to {$40000.00} ( I can send you copies of my monthly bills for your review ) This is the irony of my life : MY CREDIT SCORE IS ONLY XXXX!!!!! JUST SIMPLY AMAZING!!! What can I do to increase my credit score? 


I am hoping your Bureau will help me with this issue, Best regards, XXXX XXXX My e-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It has been brought to my attention that an old account ( XXXX XXXX XXXX ) has been removed and put back on my credit report numerous of times.

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 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account USAA FEDERAL SAVINGS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA FEDERAL SAVINGS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
We purchased a XXXX XXXX home in XXXX and we paying on time every month, until XX/XX/XXXX, I was laid and my husband and I could no longer make the payment of {$3200.00} monthly. We paid up until XX/XX/XXXX and can no longer make further payments, since my family consists of XXXX people, including my mother who has had two XXXX. We contacted Flagstar Bank in XXXX when I lost my job and they gave us a list of agencies that could assist us in filling out the papers of hardship. We chose XXXX and visited with their office in XXXX, providing all the documentation requested. Since then we have communicating with XXXX  ( XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ) and Flagstar Bank regarding the status and no one seems to be interested. Flagstar sent us a correspondence on XX/XX/XXXX stating our litigation matter has been closed and now threatening to foreclose on our home. We have been communicating with Flagstar Bank in between the above mentioned dates since we were not hearing from either one. Now with the latest threat of foreclosure we are very concern. I have little children ranging from XXXX to XXXX. Please I am seeking your assistance in helping us save our home. We have provided documents on our own as well this week and still nothing is being done. Thank you for your assistance.

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 2018-08-25 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: DISCOVER BANK
State: GA

Complaint narrative:
I opened a Discover card on XXXX XXXX was SECURED with a XXXX deposit. I closed my account XX/XX/2018 due to overpayment and not receiving my security deposit. A credit balance payment of XXXX was sent to me, so at thay point I had a XXXX balancr5.However no credit was availa ble. I contacted Discover and was told they could only release XXXX, becausr they were waiting for a XXXX chevk to clear. As I explained to the rep the XXXX check was to be applied to my deposit as it was stated in the check memo.i was told by Discover I could not do this. I then requested my check be returned to me.Only XXXX dollars was released and i charged XXXX Which I sent Discover a money ORDER which was sent to XXXX XXXX in the executive office as he was supposed to be handling my account. My XXXX check has never been sent back, instead they held it for 10 days applied it to my XXXX balance account chevk was never paid by my bank. So the XXXX payment was put back on my account even though I had a XXXX  balance. So when i closed my account they applied the XXXX check against by deposit and kept it. I have sent numerous emails and letters to XXXX XXXX with no RESPONSE. I even emailed him my current statement which shows a XXXX  balance no payment due and a credit limit of XXXX. How can I have a XXXX credit limit when my account has been closed for 2 months. I have sent 3 different complaints to the XXXX XXXX  XXXX. The latest email I received from Discover is that they can't locate my paymeny?? Then how do i have a XXXX balance. Now requesting a copy of my PAYMENT which will continue to delay the XXXX refund that I am owed.Thiz is BEYOND ridiculous that after 2 months and 20 emails to XXXX XXXX at the executive office and this is still not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account PARAMOUNT RECOVERY SYSTEMS which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PARAMOUNT RECOVERY SYSTEMS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX  already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SERVICE Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX  already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors Equifax already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XX/XX/18 XXXX : :XXXX  XXXX XXXX XXXX Credit Report Hard XX/XX/18 XXXX/XXXX XXXX/XXXX Credit Report Hard XX/XX/18, XX/XX/18 XXXX/XXXX  : :XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX   XXXX XXXX, : : XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18 EQUIFAX XXXX  XXXX : :XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18, XX/XX/18 FACTUAL DATA : :XXXX XXXX XXXX  XXXX  Credit Report Hard Equifax Hard XX/XX/18 XXXX XXXX XXXX XXXX Credit Report Hard

Company response to consumer: Closed with non-monetary relief