vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I attempted to file a dispute with ARS Resolutions on  XXXX   XXXX ,  XXXX  based on a debt that was already paid. I requested validation from the company supporting it was unpaid and they were unable to provide documentation all they could provide was a invoice number and balance on  XXXX   XXXX . This is not validation. I submitted a letter to all  XXXX  bureaus showing the debt was paid as of  XXXX   XXXX   XXXX  but this company refuses to acknowledge the payment. I called  ARS  on  XXXX   XXXX  and they began to provide info on my doctor visit which they should not have as it is a violation of my HIPPA rights.     I am requesting this debt be removed immediately as I do not owe it.

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 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland  funding is reporting inaccurate information to my credit report.I have never had an account with this company.A dispute was sent by the credit bureau and came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is the second time  XXXX   XXXX   XXXX  is reporting I have delinquent payments on this account. I have my bank statements showing that I have paid this account every month that the company is reporting I did n't pay the account. I have attached my statements with the dates and transactions circled to show payments.

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 2017-06-05 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
In   XX/XX/XXXX I  cosigned on a private student loan from  XXXX   XXXX   ( n ow  XXXX   XXXX  ) through  XXXX   XXXX   ( no w Navient ). It came to my attention when I pulled my credit report in  XX/XX/XXXX  that  XXXX  additional student loans through Navient were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with Navient 's fraud department around   XX/XX/XXXX , a nd also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation, Navient 's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  XXXX  of the loans. However, I let the Navient fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email. Navient 's fraud department did not take further action to try and resolve my fraud claim.  <P/> Navient Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with Navient.  <P/> Please see attached documentation including Police Report and Navient fraud claim submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have contacted this agency through the credit bureaus. I 've made multiple requests for verification and validation of this debt. I have received neither. Also, the debt collector, IC System is not licensed and bonded to collect debt in the state of Florida. However, they have made multiple attempts by mail to collect on this debt. And are reporting negatively on all the major credit bureau reports.

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 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
on XXXX XXXX 2017 i recieved a letter from XXXX XXXX XXXX. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( XXXX XXXX XXXX. ) I went on to the credit beauro 's sites and posted disputes not one but twice after XXXX XXXX refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Roundpoint Mortgage Servicing ( NMLS ID XXXX ) refuses to apply my payments as directed. <P/>They took over my loan XXXX XXXX of 2017, and after a very slow process to get my loan on-line, I have been attempting to make payments. <P/>Due to their ridiculously slow processing, I made initial principle payment prior to any statement. On my check I stated it was a principal payment. <P/>Since XX/XX/XXXX, I have used their supplied statement to designate how I wish for the funds to be applied. I would include mortgage payment plus additional principle. <P/>When I went to check my account, I found that they had not followed directions at any point during the process. The principal payment was assigned to monthly mortgage payments and the monthly payments were assigned as principal. Evidently, they failed to read any payment slip and just deposited the funds however they wished. <P/>I called numerous times, but was never assisted. I finally, sent an e-mail to their assigned ombudsman in XX/XX/XXXX. The ombudsman corrected the original errors to some degree, but now I find that they have misapplied my funds again for XX/XX/XXXX. <P/>I have contacted the ombudsman again on XX/XX/XXXX, but have not received a response. <P/>Their failure to follow instructions is adversely affecting my credit rating.

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 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reason to believe that Equifax is suppressing my credit score.On  XXXX  -17 my  credit score was  XXXX   XXXX  17 M y credit score dropped to  XXXX . I recently had a new account added to my credit file by  XXXX   XXXX    XXXX   XXXX   on  XXX -17.As of  XXXX  -17 My  available credit was  XXXX .  XXXX  -17 it  went up to  XXXX .As of  XXXX  17 My  credit was  XXXX .  XXXX -17  XXXX . I have the same amount of accounts that 's being reported the same information on  XXXX  as well.As of  XXXX  -17 M y credit score was  XXXX . XXXX -17 it went up to  XXXX . On  XXXX   XXXX -17  XXXX .  XXXX  -17 M y score went up to  XXXX . I contacted Equifa x personal s olution on  XXXX  -17 to  voice my concern I was refunded  XXXX  and a discount on the Equifax complete advantage plan for  XXXX  for 12 months and i was told by a representative name  XXXX  that I would see a change in score in a couple of days. As of  XXXX  -17 My  score remain the same  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Thanks for documents you sent me, I concluded after my investigation that you are part of the ongoing fraud that  XXXX   XXXX   XXXX  Has orchestrated with  XXXX   XXXX . You have shown on your transfer documents only the current balance, but my monthly statement with deferred balance. There is no deferred balance on my mortgage and that will violate federal law. and even the current balance is questionable. The court will sort out and take the suitable action. I will attach this complaint with some document which you have already have but to refresh you memory in case you misplaced. please study those documents and contact with   XXXX   XXXX    XXXX  about its authenticity. Please provide me my account manager. I will see court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: NV

Complaint narrative:
on or  XXXX   XXXX   XXXX  equifax,   XXXX   and  XXXX  took information from a    XXXX    2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of  XXXX  of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The response to my complaint indicated that Equifax had previously removed the disputed item on two separate occasions from my credit file and now it has been added back  a 3rd time  under a different name. Please review your past files as you will see that you have already removed this same disputed item in the amount of {$640.00} under  XXXX  different creditors names in the past. The issue is they are selling the account and it keeps getting placed back into my credit file which is illegal since it was already disputed and removed twice.   This was Equifax 's response to the latest issue and the reason they do n't see the other names mentioned is because Equifax had already removed them from my file in the past. Equifax reinserted the same disputed item just under a different creditors name.  <P/> Dear  XXXX   XXXX , we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. Please be advised that all account data contained in your Equifax credit file is electronically reported and updated by the data furnisher. Equifax did not reinsert the accounts listed in the complaint. The following disputed items are not currently reporting on the Equifax credit file :   XXXX   XXXX   XXXX   FOR {$640.00} AND  XXXX . The disputed  XXXX   XXXX   XXXX  account number ending in  XXXX  has been verified as reporting correctly on the Equifax credit file with your name, current address and social security number. Adverse accounts will remain on the Equifax credit file for up to 7 years from the date of last activity or date of first delinquency. Written confirmation has been sent to you on  XX/XX/2017   . A complimentary copy of your credit file has been mailed on  XX/XX/2017   , please allow  7 to 10 business days for delivery. Please note that for future disputes of credit report information, you may visi t www.equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I received a document from Transworld Systems Inc,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , WA  XXXX  stating I owe for a parking ticket I received in  XXXX ,  2017 for a "  wheels not turned to the curb '' issue. The Ticket number is  XXXX  and was to be paid to  XXXX   Municipal Court.  This ticket was paid on  XXXX   XXXX ,  2017,  in full with an e-mail response from  XXXX   Municipal Court  thanking me for my payment and asking me to keep proof of payment for my records, which thankfully I did. I should not have to prove I paid something in order to avoid their attempt to coerce payment. They should have to prove I did n't pay it..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My charge card was closed due to delinquency b ack in 2016. Since then, I have been instructed by Old Navy to continue to make payments. I have advised them in the p ast, via chat, that I have fell into a financial hardship. At times, they waive the late fee, but that is not enough help. I am struggling and can only afford my rent, utilities, and food-the bare minimum. Whenever I try to call in, it is a hassle just being able to reach someone or have my call escalated.

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 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
in 2016 we paid over {$20000.00} in our escrow account for taxes and insurance. Ocwen Bank misappropriated these funds and gave us a {$6000.00} refund. However the taxes and insurance for that year came to {$4500.00}. Thi8s leaves {$9500.00} unaccounted for. I have tried to clear this up with them via telephone and they seem to not know what happened to the {$9500.00}. I have all the paperwork that  supports my accusation of misappropriated funds. The {$9500.00} was not applied to our principal it just disappeared. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: 360 MORTGAGE GROUP LLC
State: SC

Complaint narrative:
During  XXXX  a property tax dispute caused me to get behind on monthly payments to  360 Mortgage. 360 pursued what I deemed to be a wrongful foreclosure. ( Please see 2 prior CFPB complaints for details ). Fort unately the foreclosure was completely 'cured ' in  XXXX  of  XXXX  and all court action/s dismissed.     Even so, as of  XXXX / XXXX / XXXX  my home is listed on a public web-site as in foreclosure. Apparent ly 360 while pursuing a punitive foreclosure based on a very credible difference of opinion h ired  XXXX   XXXX   XXXX  to market my home for sale.  XXXX   XXXX   XXXX  then published information on my house, that as of  XXXX   XXXX ,  XXXX , has not been removed, updated nor corrected. I recently sent 360 and  XXXX  instructions to take down the false information and immediately stop advertising my house as in foreclosure or having been foreclosed.     This information has resulted in damage to my credit, my ability to get a new job and/or my ability to transact business.  360 Mortgage demonstrated bad faith throughout this process and their failure to remove this information and/or instruct their vendor to do so continues a pattern of horrible market conduct that should be punished. 360 wrongfully pursued fore closure and then continued to market my house for months directing others to publish false, inaccurate, and incorrect information.     I spoke with  XXXX  at length and they assured me they were simply following the direction  of 360. I put both 360 ( and it 's foreclosure atty  ) and  XXXX  on written notice of this issue. As usual, I have yet to get a response. 360 has again demonstrated unfair trade practices, and perhaps breached RESPA requirements/standards.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Please reference closed complaint  XXXX . This complaint should not have been closed. I am submitting another complaint based on the closed complaint because Chase Bank is lying. They have a record of my account in question and they are fully aware of the issue. Please see the reference below.  <P/> Chase Bank claims they have no record of this credit card account. Here is  the Chase Visa cre dit card account number they claim does not exist :  XXXX . I requested this credit card account be closed effective  XXXX     2015 in  an effort to protect my own finances since Chase Bank had no interest in protecting me from this fraudulent vendor.  <P/> Just to ensure you understand that Chase is fully aware of this issue, Chase Bank sent me a letter dated  X/X/2015    fro m CardMember Services,   XXXX   XXXX   XXXX ,  XXXX , DE  XXXX , signed by  XXXX   XXXX , Customer Service Specialist. The letter stated that Chase Bank was rejecting for refund of fraudulent charges fin the amount of {$10000.00} paid to  XXXX   XXXX  posted to this credit card  XXXX   XXXX ,  2015. I qu ote the letter as follows : " When we contacted the merchant to obtain a credit for your accot, they explained that they would not provide a credit because their cancellation policy advises at the time of sale. They also advised that the policy was " non refundable or non cacellable '' at the time of the sales. '' The vendor 's statement is totally untrue. I provided copies of the signed contracts to Chase Bank stating that there is a right to cancel and a full refund is provided.  XXXX   XXXX  has fulfilled nothing as promised . Chase has  to know that  XXXX   XXXX  is a scam company, as I stated in the previous complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Southwestern Investors Group, LLC
State: GA

Complaint narrative:
I was contacted by  XXXX   XXXX   (   XXXX   ) a t  XXXX . Originally he did not say where he was calling from, only that he was working wi th the District Attorney in my county and was  filing the next day to garnish 30 % of my wages and levy my bank accounts for a debt owed to  XXXX   XXXX  in the amount of {$790.00}. He said they will freeze any bank account with my name on it and take all the funds. I imagine interest is included as my credit limit was only {$500.00} and I was no where near that when I ran into financial trouble. Ultimately I would owe over {$3000.00} once attorney and court fees were applied. He told me that I needed to make a good-faith payment that day to keep him from filing in court.  <P/> I came to know this was a collection agency after I contacted  XXXX   XXXX . They told me the debt was now held b y Southwest Investor Group a t  XXXX . I called and asked for my balance and how to make some sort of payment arrangement. The young lady that answered informed me that it was with  XXXX  and transferred me.  XXXX   XXXX  answered the phone sounding angry that I called in on the  XXXX  number. I asked him to send me debt information through the mail as I had not received anything about this outside of a phone call in over a year.

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 2017-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX after many attempts by XXXX XXXX branch manager XXXX XXXX and XXXX XXXX XXXX I agreed to move my business loan from XXXX XXXX XXXX too XXXX XXXX 
<P/>
XXXX XXXX XXXX made a business loan to XXXX XXXX ' XXXX XXXX XXXX in the amount of {$11000.00}. Secured by the property addressed XXXX XXXX XXXX, XXXX, Georgia and XXXX XXXX XXXX XXXX, Ga. 31201. Filed in the Superior Clerks Of XXXX County, Ga.
Book 1933 page 181. The same not was marked satisfied XX/XX/XXXX book 3267 page 10.
<P/>
XXXX XXXX Of XXXX County original note filed in the Superior Clerks Of XXXX County, Ga. XX/XX/XXXX book 5427 page 269 in the amount {$170000.00}.
<P/> XXXX XXXX of XXXX County, XXXX, Ga was closed by the Georgia Department of Banking and Finance, and the FDIC was named Receiver.
<P/>
All deposit accounts were transferred to XXXX XXXX and XXXX XXXX The banks name changed but the employees remain the same.
<P/>
My loan is up to date with XXXX XXXX and has been paid on time every month.
<P/>
The problem with XXXX XXXX formally XXXX XXXX is the beginning amount of the loan is more than the payoff amount made to XXXX XXXX XXXXk. The maximum amount borrowed from Trust Company Bank was {$110000.00}.
<P/>
There was one renewal with SunTrust Bank and the balance on the renewal note was {$97000.00}. I never borrowed any additional money on this note.

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