vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 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: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Carrington Mortgage Service consistently will report my loan delinquent 60  days even when my loan is current. My XXXX and XXXX payment was received on XX/XX/XXXX, however, as of XX/XX/XXXX my credit report still shows as 60  days past due. I am current on my mortgage, however, Carrington continues to report my mortgage a past due which is currently affecting my credit rating and making it very hard to improve my credit score and obtain credit. I have used XXXX XXXX and XXXX XXXX offered via XXXX XXXX to monitor my XXXX and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
My mrtge principal balance was scheduled to reach 80 % of original value of the property onXX/XX/XXXX. On XX/XX/XXXX, I submitted a written request to have the PMI removed and received an email receipt confirmation. Appr a week later ( message left and I called back ) Roundpoint informed me that an appraisal was required and it would be {$750.00}. I told them that was a ridiculous fee, appraisals in our area range from $ XXXX- {$500.00}. I'd already researched the range. The lady informed me that she would submit a request to review the amount of the appraisal, someone would call me back. A few days later, I received another message ), I called back and was told that it was still being reviewed. Another week passed and I received a call from an appraiser who said that he was notified by my mortgage company that a request was submitted for him to perform the appraisal. When I asked what the fee was, since I hadn't heard back from the mortgage company, he said that he didn't know, that it was just assigned to him. I told him not to come until I had contacted the mortgage company again. For a third time, I contacted Roundpoint, I was told that the cost wouldn't change. I requested a supervisor contact, my PMI is {$54.00} a month, mortgage is scheduled to hit 78 % original loan value on XX/XX/XXXXand automatically terminate. Paying the PMI until then would only be {$760.00} ( {$700.00} deducting theXX/XX/XXXX payment that would be charged due to timing ). It would make no sense to pay {$750.00}. I was told that someone would call me back and was also told that the 78 % date for auto termination is not accurate, that it doesn't automatically terminate. I didn't receive a call, instead I received a letter datedXX/XX/XXXXthat they denied my request because they didn't receive an appraisal. I believe that Roundpoint set the cost of the appraisal themselves at a higher than market value to continue to get the insurance amount that they had planned on at origination.

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 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: MA

Complaint narrative:
Refused a payment so I could get caught up on one payment. They said they already sent out two letters of intent to foreclose ???? Why would that be if only late 1 month now all sudden 3. Never received said letters or notifications. This morgage sold by XXXX last year and already increased morgage due to increased escrow but my ins company denies any increase. Also delays in check processing on their end givescynfair late fees. They want 3 months morgage totaling over 3000.00 in 3 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
A old debt still remains on my credit report, Account Name XXXX XXXX Account Number XXXX Account Type Revolving Bureau - Equifax Date Open -  XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXX Account Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I was sued by the original creditor XXXX XXXX in the state of VA. It took a while but the lawsuit was removed from my credit report. The account was also removed, but they keep putting it back on. It has been removed from XXXX as of now but is still reporting on the other sites. I would like them to remove the accounts and have the lawsuit removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC
State: DC

Complaint narrative:
OmXX/XX/XXXX, I was online getting coupins, and several popups were being advertised in order to get the coupons. I anserred several questions, and closed the coupon app realizing it may lead to spam. XX/XX/, I received a deniel letter for an application I never applied for, so I sent an email to the XXXX, and explained the situation, and now I am receiving harrassing calls. I requested an investigation, and the removal of credit inquiry from 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 explanation
Consumer complaint received 2018-02-07 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: TN

Complaint narrative:
I found out that Equifax had the wrong name, social security attached to my name not only that different aliases and addresses as well. I contacted Equifax and I was advised to send in proper documentation via Fax to prove my identity and I was in compliance. I went to XXXX OfficeXX/XX/XXXX and paid to color copy of my SSN with my DL and send the fax to Equifax Dispute Department. I then contacted Equifax again days laters to see if they had received my documents and they hadnt, so I waited again. Days had past and then I receive my 1st confirmation email from Equifax, So I thought they had initiated my disputes and definitely my documents. So I called back and gave the 1st confirmation number and they had informed me that they had updated my information and received my documents and that now Id have to wait until the other investigation was done ( which I didnt know I had 2 different disputes ). So 2weeks go by and I receive another email with an estimated time of XX/XX/ for the last dispute to be fixed. So they had ( 4 ) collections removed but the still have my social security number incorrect and the same credit report with all the fraudulent medical collections are being pulled from Equifax to my credit union, denying me everything. Twice. The report still shows the same information that I hadnt the same ( 2 ) disputes about. I called almost everyday since XX/XX/XXXXand I keep getting the run around and Im always talking to to someone from out of the country who barely understands what Im talking about or saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP
State: CT

Complaint narrative:
This company has been taking my money for a year and I never agreed to this account. This company owes me {$400.00} and they refund it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: GREAT LAKES
State: NC

Complaint narrative:
Account sold. Nomaccounting information being provised on this account after repeated inquiries. Master promissary notes are not original contracts. Accounts have multiple servicers and can not obtain accurate information on none of these accounts. All i get is threats of wage garnishments. The amount on the account is grossly well above the cost to attend the institution. Amount on credit reporting agency is XXXX but letters sent to me is XXXX. School doesnt cost nowhere near that to attend. Accounting information needed to verify this account. Amounts on promissary notes sent to me are thousands of dollars less than being reported and letter sent to my address of garnishment. There is over 23000 difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Ballybunion Enterprises, Inc
State: NY

Complaint narrative:
I was sued by the original creditor XXXX XXXX in the state of VA. It took a while but the lawsuit was removed from my credit report. The account was also removed, but they keep putting it back on. It has been removed from XXXX as of now but is still reporting on the other sites. I would like them to remove the accounts and have the lawsuit removed from my record.

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 2018-02-07 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX/XXXX XXXX XXXXXXXX is reporting that I have filed bankruptcy and defaulted on a credit card with them in XX/XX/XXXX, Experian is reporting this information. They are also stating that the account was closed in XX/XX/XXXX. This information is incorrect and harmful to my credit. I filed chapter XXXX bankruptcy in XX/XX/XXXX,  this creditor was included in the filing and all was discharged in 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 2018-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I established a lease with XXXX XXXX. We wanted to set up ACH debit of the monthly lease payment. After a month and a half we got a collection call. I allowed them to take a payment over the phone for a fee. They promised to send out the paperwork to establish ACH, but it never arrived. Next month, same issue. This time the rep offered to call back in a couple days to set up ACH. No call. The process went on and on. I've tried multiple times to log into their online site, but it won't accept my credentials. I've never had this problem and I'm very familiar with how to use online banking and have several online sites I use regularly without problem. I'm currently sitting on hold for 21 minutes trying to speak to someone at their lease department. I'm very frustrated at their lack of help, but eagerness to charge me a fee to accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I contacted MCM to have this debt validated. They were unable to locate an account and are wanting the full account number, they only account number I have is the one on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Account Control Technology, Inc.
State: NC

Complaint narrative:
Account sold. Nomaccounting information being provised on this account after repeated inquiries. Master promissary notes are not original contracts. Accounts have multiple servicers and can not obtain accurate information on none of these accounts. All i get is threats of wage garnishments. The amount on the account is grossly well above the cost to attend the institution. Amount on credit reporting agency is XXXX but letters sent to me is XXXX. School doesnt cost nowhere near that to attend. Accounting information needed to verify this account. Amounts on promissary notes sent to me are thousands of dollars less than being reported and letter sent to my address of garnishment. There is over 23000 difference.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My house was foreclosed back in XX/XX/2010. There was a full auction on my front lawn and a closing. Also, I received actual XXXX XXXX, tax documents from the bank, that I used on my taxes to prove I no longer owned the home. a few years later, I did some research and found out they illegally foreclosed. However, Then, they started charging for payments during the months and years they had legal ownership. My credit and credit report has been affected. And to start this whole process over, without working out a fair and equitable modification would be punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
To whom it may concern:I’m writing to complain about XXXX XXXX or XXXX XXXX XXXX XXXX. I’m sending proof of a payment done on XX/XX/2015 to XXXX XXXX in that time for XXXX dollars. I’ve had emails with the manager XXXX XXXX asking many time to contact sure deposit to clear this debt with no answer of them at all(XXXX). Now I’ve been contacting both agencies to clear this of my credit report, the answer of them is they have to wait to hear from XXXX XXXX to take out that from my record. I'm sending images of emails with manager XXXX(Spanish) and mails XXXX  manager from XXXX XXXX XXXX XXXX.I would appreciate a response from you in writing. Please let me know how to proceed, what need to be done to get this fix. Thank you for your assistance,Sincerely,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 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: NC

Complaint narrative:
When I paid the loan off in full, early. They reported my account 30 days late and can't provide me with proof. Tried three times with the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc XXXX. Reported to Experian credit Agency, but they never investigated much, just made a phone call. Have all canceled checks to show proof on my part but no effort has been made on either party.

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 2018-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had an auto loan with Wells Fargo Dealer Services. At times during the loan it was late including towards the end of the loan. I paid the loan in full on XX/XX/2013. On XXXX and XXXX the account is listed under PAY STATUS as " 60 days past due. '' XXXX is listed correctly as " Paid, closed. '' The pay status on XXXX and XXXX make it appear as though this account is currently 60 days past due. My credit score on those two reports is much lower than XXXX and because of it I've been denied credit. I have contacted Wells Fargo Dealer Services on several occasions but they refuse to make any changes.

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 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I was never served by this company. They pretended to serve me in order to obtain a default judgment on a debt that was not mine. They are crooked and unethical and have tried attaching bank accounts of mine to try to collect debt that is not mine. Years ago, I retained a lawyer for this matter who obtained an agreement from them to stop illegally pursuing me. 


THE BEST SERVICE COMPANY Inquired on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) 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 2018-02-07 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: First Federal Credit Control, Inc.
State: MI

Complaint narrative:
I have never provided my written authorization to First Federal Credit Control to have access to my medical files and records. They have clearly violated my H.I.P.P.A rights and destroyed my credit. 
I DO NOT have a contract, written nor verbal regarding the debt they are claiming I owe. 
I have tried to resolve this issue with FIRST FEDERAL CREDIT CONTROL but they are careless and have no respect for the rule of law. I don't owe them anything, I don't have a contract or financial obligation with them whatsoever. 
They must DELETE the NEGATIVE info they have put in my XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: PA

Complaint narrative:
A old debt still remains on my credit report, Account Name XXXX XXXX  Account Number XXXX Account Type Revolving Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXXAccount Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User

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 2018-02-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A old debt still remains on my credit report, Account XXXX XXXX Bank Account XXXX XXXX Account Type XXXX Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXX Account Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User

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 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I received a phone call to collect a debt of {$730.00} for a medical bill. I asked the representative that contacted me in XX/XX/XXXX what the debt was for and I was told that ''it was for a visit to see my primary care doctor for a routine exam in XX/XX/XXXX ''. This is health information that the debt collector should not be in possession of I asked the name of the ''primary care doctor '' and I was not provided with that information. It is my right to know the original creditor. I also asked the agent if she was in possession of anything that would give her the legal right to attempt to collect a debt from me she never answered that question.She never verified my information so I asked her my address to make sure she sent the validation to the correct address and she verified an incorrect address with me. 
I asked XXXX XXXX XXXX to validate the debt and I received a letter ( that went to the incorrect address that was later forwarded to me ) stating that this debt is from XX/XX/XXXX for the sum of {$510.00}. 
The debt is reported on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I then requested that I do not want the company to contact me anymore until they call legally show me proof that I woe this debt to them.

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