vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 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: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I recently pulled my credit report and there is a collection account that is listed. I have know knowledge of the account and have never been contacted by phone or mail about the account that the company say 's I owe. The account is affecting my credit score. I also see where the account was assigned on XX/XX/2018 in the amount of {$93.00} I also have not signed any HIPA forms giving permission for this or any other third party companies to obtain my medical records. I disputed this account but received an email back stating that this has been verified as accurate. I have not received any other documentation of the investigation explaining how they have come to this conclusion. I would also like a copy of the bill with dates and all related charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: SD

Complaint narrative:
I am a victim of identity theft, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

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 2019-11-11 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: SD

Complaint narrative:
I am a victim of identity theft, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

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 2019-11-11 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Incorrect balance for American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect balance for 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 2019-11-11 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX  need to report Ocwen Loans transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
My property address is XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I closed on this property in XX/XX/2019. I went through XXXX ( XXXX XXXX XXXX XXXX ) for my mortgage. XXXX uses a regular bank ( XXXX XXXX ) to process the paperwork and approve the mortgage. My first mortgage payment of {$1100.00} was paid by phone on XX/XX/2019 to XXXX XXXX, phone number # XXXX, confirmation number # XXXX for Account number # XXXX. I received correspondence that all my subsequent mortgage payments for XXXX should be paid to Volunteer Mortgage Loan Servicing ( VMLS ), phone number # XXXX and my new account number will be Account # XXXX. On XX/XX/2019 my next payment of {$1100.00} was paid by phone to VMLS, confirmation # XXXX ( I spoke to XXXX XXXX and XXXX at VMLS in the processing of this payment ). My current credit report reflects that I was 30 days late in making my XX/XX/2019 payment. This is ABSOLUTELY erroneous! Therefore I am asking that you PLEASE contact XXXX  via Volunteer Mortgage Loan Servicing at phone number # XXXX to verify that account # XXXX was paid on time in the amount of {$1100.00} and that the 30 day past due reflected on my credit report for XX/XX/2019 be deleted and/or corrected. ( Please note that I have also paid VMLS on time for my XX/XX/2019 payment and am scheduled to pay my upcoming XXXX payment on time ). I have never missed or been late on any of my mortgage payments. I truly appreciate your assistance in this matter. If you need additional information regarding this dispute please contact XXXX XXXX at XXXX or XXXX. 
Thanks in advance, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: GA

Complaint narrative:
Arvest Central Mortgage Co. is my mortgage company who is responsible to disburse amounts to pay real estate taxes timely. {$2900.00} was due on XX/XX/XXXX. As of XX/XX/XXXX, the company has not paid for the real estate taxes and the county has assessed {$140.00} of penalties and {$21.00} of interests. The late payment incurred in XXXX as well. I inquired the company for a response via the company 's website. I have received that they acknowledged the message but they have not addressed the issue. 
Again, this is repeated the same as last year, and I never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I found this company has been re-aging and opening new accounts on my credit report. Some accounts they are reporting as charged off 16 times for a single unverified debt. I sent requests for validation on XX/XX/19 and did not receive anything back in the 30 days from the date of my letter. Since they have continued their opening of accounts reporting them as new using new opening dates not related to the original opening date of the original debt. They are also reporting duplicates which now shows almost 30 bad accounts on my report when Ive never had 30 credit card accounts in my like.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect balance for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage prolonged my loan modification process and then when it was too late they filed a foreclosure on my home. I was turning in documents for over four months. They played a strategic game of deception : they would ask for the same documents over and over again.

Two weeks before the foreclosure, they had requested for me to resend some documents that I had sent two months  earlier. Then after I sent the documents they said it was too late and the foreclosure had to proceed, because the date was within 37 days of the sale date. They strung me along during the loan modification process, I sent in all the documents they requested. I should have received a loan modification, instead they foreclosed on my home and they did not give me a chance to do a short sale. 

I hired a realtor after they told me they were going to foreclose on my home and no longer review my loan modification. The realtor submitted one offer for approximately $ 500k. Freedom mortgage was reviewing the offer with my realtor on a Friday and Saturday. on Monday morning at around XXXX XXXX I get a call from Freedom Mortgage saying that the foreclosure sale would be in about a half hour at XXXX XXXX I asked him well what happened with the short sale that we submitted. Freedom Mortgage responded this is an FHA loan and we need to net profit {$510000.00}. One hour later that Monday morning, my house was sold at the foreclosure auction for {$500000.00}. This was under the {$510000.00} that Freedom Mortgage claimed they needed because it was an FHA loan. More importantly they started the auction at {$390000.00}. 

I called Freedom Mortgage that Monday morning and asked them why did they let the property sell for {$500000.00} when I had a short sale offer from my realtor for the same amount. Also I asked them why did they start the opening bid at {$390000.00} when they said they needed to net {$510000.00}. They told me to write a letter and they would try to give me an answer. 

I would never recommend Freedom Mortgage to anyone.

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 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
Debt was placed on credit report then forced to be removed and now they are attempting to place the debt back on my credit profile. It is my belief this is being done with malice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: SD

Complaint narrative:
I am a victim of identity theft, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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 been working with all three credit bureaus. I have sent a copy of my FTC report and all the proper docs that they ask for i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: TX

Complaint narrative:
Debt was forced to be removed previously and now they have replaced the debt back on my credit profile. I believe this is malicious at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
debt was placed on credit profile and forced to be removed. They have replaced debt back on credit profile. I believe it to be malicious at that point.

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 2019-11-11 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: TX

Complaint narrative:
I have been working with all three credit bureaus. I have sent a copy of my FTC report and all the proper docs that they ask for i am a victim of identity theft

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 2019-11-11 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 been working with all three credit bureaus. I have sent a copy of my FTC report and all the proper docs that they ask for i am a victim of identity theft

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 2019-11-11 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: Midwest Recovery Systems
State: CA

Complaint narrative:
On XX/XX/2019, I received notification that a collection was placed on my account. The company is Midwest Recovery System. It seems they are collecting for a company called XXXX XXXX XXXX. Prior to this, I havent received any notification either through mail or phone call. 

I disputed the information via XXXX  and it came back verified. I have not been contacted by this company. 

I learned through a search that several other complaints on this company doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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 been working with all three credit bureaus. I have sent a copy of my FTC report and all the proper docs that they ask for i am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: UT

Complaint narrative:
I received an unsolicited pre-paid mastercard from Brinks. I did not participate in any promotion. There is supposed to be no balance positive or negative on the card.

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 2019-11-11 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 been working with all three credit bureaus. I have sent a copy of my FTC report and all the proper docs that they ask for i am a victim of identity theft

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 2019-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My complaint is with Toyota Financial Services ( TFS ) for  erroneously withdrawing {$510.00} on XX/XX/2019 from my XXXX XXXX  checking account. I used to have an auto loan with TFS, which was paid off last month on XX/XX/2019. During the term of the loan, the monthly payment of {$51000.00} was withdrawn by TFS from my said checking account, called autopay. After the loan was paid off, TFS sent me a letter of satisfaction of the loan ( attached ), stating among other things, that the online bill payment or autopay will be cancelled and a California DMV ownership title to the car will be sent to me. 

I have received the California DMV ownership title on XX/XX/2019 ( proof of full payment of the loan ) and TFS confirmed that the autopay would now end. 

However, as mentioned above, the autopay did not end and TFS continued withdrawing {$510.00} from my bank account. Because of this withdrawal, my checking account on XX/XX/2019 was overdrawn and caused a negative balance of {$230.00} ( attached ). As a result, I incurred the following several fees and charges by my various financial institutions : 1 ) an overdraft fee of {$33.00} by XXXX XXXX ( attached ) 2 ) non-sufficient funds fees of {$74.00} ( 2 x {$37.00} ) for two returned checks that were not paid because of the overdraft 3 ) a late fee of {$28.00} on a credit card account which was not paid on time because of the overdraft 4 ) interest charges for late payment on credit card accounts ( awaiting statements ) I called up TFS about this issue but they asked me to ask XXXX XXXX  to reverse the {$510.00} and the overdraft fee of {$33.00} and to collect from TFS. XXXX XXXX  refused to reverse the charges because they did not cause the error, it was caused by TFS and XXXX XXXX  said that they might have a problem collecting from TFS. 

Address of TFS and my account number with them are in the attached documents. 

Thank you for your attention and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: WA

Complaint narrative:
On XX/XX/2019, I received an e-mail from XXXX ( the company I file my taxes through ) with an unusual subject line. The message in the body of the email stated : " ... your debt in collections has gone up. Your TransUnion credit report shows that the debt you owe to collectors has increased to {$2300.00}. '' However, I was alarmed as I did not recognize any of the company names and upon research, the location of the companies are ~1,500 miles from my current location. It was through the tax report portal that I saw and knew of this " collections charge '' for the first time. 

On XX/XX/2019, I filed a dispute through TransUnion to report " collectors charge '' as a fraud account. The report was completed on XX/XX/2019 stating, " INVESTIGATION RESULTS - VERIFIED AS ACCURATE '' Though there are additional details in this report, none of the details, I recognize nor do I understand where they originated from. I've never done business or have interfaced with the " Original Creditor '' company, opened in account to my knowledge, nor have used their services by any means. 

I have never been contacted about this other than by the update from XXXX and no other communication or notifications by any of the parties seemingly involved. I am requesting support, investigation, and clarification as to how this occurred and as to how this can be solved. Thank you for your time in advance.

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 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
On XX/XX/2019, my daughter was transported by XXXX ambulance service from XXXX XXXX XXXX XXXX XXXX to another. Both facilities are in network, yet XXXX is not in network and charges more than double the allowable amount. XXXX XXXX processed the claim as in network and they were paid for 2 trips instead of one. 

XXXX erroneously charged ( 2 ) trips because their driver first drove my daughter to the wrong location. They acknowledged over the phone that this was an error and promised to adjust. They have now been paid double by BCBS and continue to bill me. The debt collector said that it doesnt matter that there is an erroneous charge and that it is under review because the debt has been sold to a collector. 

I told the aggressive collection agency that the case was under review and to stop calling. Despite several requests I still have not received a copy of the trip journal, documentation of the ( 2 ) trips or charges, or a copy of the release for my signature to receive such trip documentation. 

In the meantime, Professional Bureau Collections of Maryland XXXX ( XXXX XXXX ), collections has aggressively called and left messages despite being informed that the case is still under review. I just received a message that they have now contacted my employer. This is inappropriate and must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Loan Care LLC purchased my loan in XX/XX/XXXX, I never received proper payment info, or where to send payment to until XX/XX/XXXX. I had gotten the address for the new loan company and send payment check was cleared XX/XX/XXXX, unfortunately was applied to wrong account. since I have contacted Loan care LLC multiple times to resolve issue, they told me the funds would be transferred to correct account by XX/XX/XXXX. I made regular payment for the month of XXXX check cleared on XX/XX/XXXX. now I 'am receiving threating letters about foreclosure on my home, I have sent them another payment that they will receive electronically on XX/XX/XXXX. I have now made three mortgage payments in the matter of weeks, as well as made phone calls and emails to try and resolve this issue. they have done nothing but apply my money to the wrong account and send me threating letters about foreclosing my home. even after they told me they would apply the money to the correct account, they are charging me late fees. I have never made a late payment on my loan, or been delinquent on my mortgage ever. at this point of my loan I have been forced to over pay to fix their mistake.

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