vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I first received a medical bill from PHOENIX FINANCIAL SERVICES LLC, on XX/XX/XXXX in the amount of {$1400.00} for services on XX/XX/XXXX. I then contacted them through certified mail on XX/XX/XXXX and asked for validation of this medical bill they claim that I owe. They received the mail on XX/XX/XXXX. They then contacted me through mail with a " verification '' with a different amount of {$490.00} and also with a different date of XXXX services on XX/XX/XXXX. They also listed diagnosis codes, procedure/service cpt codes, physician 's name and charges. Those alone with my codes are violating my HIPPA rights. I am sending out a certified letter tomorrow on XX/XX/XXXX demanding that they cease all activity in collecting the debt. They are in violation and I will contact a lawyer if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: FL

Complaint narrative:
After reviewing my credit report, I have identified an inaccurate account that does not belong to me. This account has caused tremendous hardship on my credit. Please re-investigate the inaccurately placed item on my credit and have it deleted immediately.

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 2019-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I closed escrow on my property ( XXXX XXXX XXXX, XXXX, Az. ). The prior owner was in foreclosure, however funds from the sale of he property satisfying his outstanding principal balance were wired to his mortgage company ( Lakeview Loan Servicing ). 

Lakeview failed to advise the local trustee that the debt was satisfied, and the trustee subsequently executed a trustees sale. This act of foreclosure was taken against me even though I did not and had not owed a debt on the property that had defaulted. 

In XXXX of XXXX I was served with eviction orders by the third party who purchased MY property at trustees sale for about $ 170k. I was forced to engage counsel and defend my right to occupy the property I had purchased fair and square. At that time, I was forced to file a prior CFPB  complaint in order to get someone from Lakeview to respond to my many inquiries. A compliance manager from Lakeview reached out to me, and for a short time it seemed like the mortgage company would be working to resolve an obvious error on their part. 

Fast forwarding to XXXX of XXXX, I am still in danger of being evicted from a property I purchased fairly because Lakeview Loan Servicing has been and continues to be incapable of giving the matter any reasonable attention. 

All I want is for Lakeview to PAY ATTENTION to my issue. I want them to work with the third party who purchased the property at the improperly executed foreclosure sale in XXXX, and get my name and my family out of the way of eviction proceedings. Ive been treated indifferently at best, and would say that Lakeviews negligent and inappropriate handling of my situation is the exact reason a body like the CFPB exists.

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 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
My XXXX mortgage payment resulted in my principle dipping below the 78/22 %  loan to value ratio. Im still paying PMI. About two weeks ago I called my mortgage company. They informed me that their escrow department needed to research this and get back to me within 30 days. I explained that I thought this was unacceptable because they could clearly see that my statement was correct and my only other condition for dropping PMI was that Im current on my payments. Over the weekend, I received a statement saying I needed to pay {$470.00} for an appraisal. I called them today, and instead of telling me they still needed to research it, I was told that the Customer Service Reps did in fact have ability to drop the PMI. After he pulled up my records he changed his tune and said that they only service my mortgage and the lien-holder is the XXXX XXXX XXXX XXXX and they already made the decision to not drop the PMI. I then asked why this hadnt been communicated when I originally called, and why I was still mailed a statement requested {$470.00} for an appraisal, to which he apologized for giving me the run around. The mortgage company is called Dovenmuehle Inc and based in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are inquiries reporting on my credit file that does not belong to me. Neither was the inquiries authorized by me. Please assist me in removing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I have identified an inaccurate account that does not belong to me. This account has caused tremendous hardship on my credit. Please re-investigate the inaccurately placed item on my credit and have it deleted immediately.

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 2019-05-01 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: FL

Complaint narrative:
After reviewing my credit report, I have identified an inaccurate account that does not belong to me. This account has caused tremendous hardship on my credit. Please re-investigate the inaccurately placed item on my credit and have it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company below has been calling my cell phone and my work treating to arrest or proceed with leagal action against me. This debt is not mines nor will I pay them anything. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS 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 2019-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Complaint about Mr Coopers field insperctor, XXXX XXXX, XXXX XXXX, said came to house and was VACANT SEE FORM i was in back, saw him taking pictures trash cans in front! THIS IS HARRASMENT AND LIARS!!! ( have been trying to mofify loan )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Recovery Service, Inc.
State: GA

Complaint narrative:
I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
This company that calls itself XXXX XXXX, called my husband, mother, father and step brother all on XX/XX/2019. To which this company proceeded to let them know that there was a warrant out for my arrest and a subpoena for debt owed. I called the number that was given to them XXXX and the case number : XXXX. I called and asked for company name and Info and was hung up on. Second call was told to verify the last 4 of my social ( they had my complete SS # and date of birth ) said I owed money to Ace Cash. I said well I havent received any written statements in the mail. If I get a mailing I will pay. They said no. We will not send anything out, you will be served or pay through the phone with a debit/credit card. I said no, is there a website to send payment and get more info? and once again got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
See attachment : I paid off my car loan in XX/XX/2014 why is there late payments after the loan was paid. This account has all the wrong information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Several times I have reached out to Commonwealth Finance regarding this issue. During the time of this service, I was incarcerated and the XXXX XXXX of XXXX Ohio covered all medical expenses. This debt was sold to Commonwealth Finance who reported this account on my credit report as being in collections. I do not owe any balance and would like to stop being harassed by this company. This company has sent me numerous amount of letters and I have asked that they work with the medical facility to bill the XXXX XXXX  XXXX XXXX. As a prisoner, I do not pay for any XXXX XXXX and after i was released from the XXXX XXXX I became insured by XXXX. This company has ruined my credit with its false reporting and has not attempted to resolve this issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I believe that I was pressured into purchasing a vehicle which was recently leased from XXXX XXXX XXXX dealership. I wanted to trade my XXXX XXXX XXXX XXXX XXXX but the dealer did not want my trade in vehicle as they were offering too low of a value which I believe I should have received more for the value and condition of the van. So I told the dealership that I will not be able to afford anything more that {$250.00} per month but the dealer still insisted that the vehicle that I wanted to lease is much higher and {$460.00} + XXXX for insurance toward excess wear and use. So I ended up paying {$470.00}. After 2 weeks I was talking to a co-worker whom recently leased the same exact vehicle for another XXXX dealership and ended up paying almost 1/2 the amount per month that I am currently paying. I believed that I was a victim of over pressuring salesman.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
There's a collection from ad Astra ( XXXX XXXX ) has been calling and threatening arrest for s debt that I know nothing about! I've requested proof that I received a loan ( signature, paperwork etc. ) But have received nothing! ; yet they refuse to remove it from my credit files! I block the number they call from and they just call from another number. I'm not gon na pay for something I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: GA

Complaint narrative:
I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: NY

Complaint narrative:
My Credit report has information that is not accurate. Attached is the ledger from the bank which states my last payment on the XXXX account was in XX/XX/2014. why are they reporting anything past XX/XX/XXXX since I no longer have an account and its all paid. How can I be late on a paid account?

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 2019-05-02 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: NY

Complaint narrative:
I ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX USA ( XXXX ) XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX USA amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
There's a collection from ad XXXX ( speedy Cash ) has been calling and threatening arrest for s debt that I know nothing about! I've requested proof that I received a loan ( signature, paperwork etc. ) But have received nothing! ; yet they refuse to remove it from my credit files! I block the number they call from and they just call from another number. I'm not gon na pay for something I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
Several times I have reached out to Fidelity Collection regarding this issue. During the time of this service, I was XXXX and the XXXX XXXX XXXX XXXX Ohio covered all medical expenses. This debt was sold to Fidelity collection who reported this account on my credit report as being in collections. I do not owe any balance and would like to stop being harassed by this company. This company has sent me numerous amount of letters and I have asked that they work with the medical facility to bill the XXXX XXXX XXXX XXXX. As a XXXX, I do not pay for any medical services and after i was released from the XXXX XXXX I became insured by XXXX. This company has ruined my credit with its false reporting and has not attempted to resolve this issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Recovery Service, Inc.
State: GA

Complaint narrative:
I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To CFPB, I opened a XXXX gas car account 6 months ago, I love XXXX gas its the best, I used very little of the available funds, I had set up auto pay but always, ALWAYS paid weeks before the bill was due. I had set up my personal bank account to pay reoccurring payments and at the end of the month there is no or little money left until I replenish the account for the coming month. In XX/XX/XXXX of  this year I accidentally paid manually before the bill was due and before I had actually replenished my pay account at my bank and it ended up showing NSF in spite of the fact I still paid it BEFORE it was due. Then on the XX/XX/XXXX of this year I forgot about auto pay and paid manually on the due date. Well as it turns out the auto pay sent the automatic pay request into my bank after the payment had already been received and paid by my bank so the payment was made on time but he auto pay payment was rejected this led to another NSF but it had already been paid. Then the bank closed my account not taking into account that there was a mistake made, when I contacted Synchrony bank they ask me to send in proof that it had been paid, I did so, they have the proof. when I contacted them again on the XX/XX/XXXX and inquired about the matter I was treated rudely which caused my great XXXX which I suffer from, and XXXX also, I'm not supposed to be stressed like this. The reps were rude and said that they would not re open my account in spite of my no late pay record. 
This was a beloved account for me because I love XXXX, and should not have been treated this way.

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 2019-05-02 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: Credit Karma, LLC
State: CA

Complaint narrative:
XXXX has reported my score incorrectly, because they claim that I owe existing amounts to a debt collection agency for medical payments. Even though I have already send them a proof of medical insurance at the time. They also claim that Ive also yet paid my XXXX XXXX payment, but I have proof of payment and the payment being made on time. So this continues to effect my credit score without any help to resolve it.

Company response to consumer: Closed with explanation