vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I have no knowledge of the medical bills thats reported on my credit account! Ive had medical insurance for years so I dont understand where these bills are coming from. I tried to fix the problem but they told me to just file a claim with you all to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education
State: MA

Complaint narrative:
To whom it may concern, Last Friday, XX/XX/2018, I scheduled a payment of {$500.00}. Usually the money gets debited from my bank account the next 1-2 business days and is then reflected in my XXXX account the next day. However, it is now XX/XX/XXXX, almost a week later and the money has not been debited from my bank account. According to their website, it says " please allow up to 3 additional business days for the payment to be posted to your loan account and debited from your bank account. '' However, as previously mentioned, the money usually gets debited from my bank account a day before it's reflected on the XXXX website. Therefore, even if the money gets debited tomorrow, it won't be reflected on my XXXX  account until Monday at the earliest, and I'll surely be gaining interest on my student loans until then.

If there was some type of hold up with my payment, I believe I should have been notified. In the meantime, this company gained a 5 % interest rate for an extra week. I think that's outrageous, exploitative, and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HALLMARK HOME MORTGAGE LLC
State: IN

Complaint narrative:
A formal contract was signed with a client to build a home, the client received pre approval for mortgage XX/XX/18. Builder began to work with client and loan orginator, providing details on home, completing the builder package and providing financial information. All submitted and confirmed receipt XX/XX/2018. Email from Banker confirmed package sent to Builder approval department XX/XX/18. At this point client and Builder began construction with periodic check points with orginator, conversations indicated, First draw would be available as of XX/XX/XXXX. Builder contacted Banker/Mortage Broker to get update and proceed with first construction draw and was told by banker no construction loan has been submitted or funds available. Building was started XX/XX/18 to comply with contract to complete home end of XXXX. Outstanding balance exceeds XXXX client nor Builder have funds to continue construction.Banker advised client to have Builder complete the home since it would close in 45 days and can then execute the mortgage.

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 2018-09-27 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: NJ

Complaint narrative:
On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved

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 2018-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
I recently took time off from school, so am no longer enrolled half-time, and have re-entered repayment. I logged in last week to the servicer ( MOHELA ) website, and saw a XXXX balance and no payment due. Then, today, I received an autodebit notice, so I logged in to check. The autodebit is set for XXXX, but my account is now showing overdue. When looking further into it, I noticed a statement was posted to my account on XX/XX/XXXX, with a due date of XX/XX/XXXX, and now my account is showing overdue. Is it not against the law for servicers to send a bill that is due on the same day the bill is printed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX  to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX  I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX  I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX  so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved

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 2018-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX  so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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:
Someone is using my identity information fraudulently to open up different accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Back in XX/XX/XXXX I purchased an XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. My husband was on the loan as co-applicant.

Back in XX/XX/XXXX I received a call while living in an efficiency from a lady saying that if I did not tell them where they could locate the car she would have me arrested by the sheriff.

The truck was not running, we where in the process of moving and she put fear in me.

I knew we had missed a payment but she be at told us all we had to was make the o e pay me t. We let them take car, and the next day in the mail we received a letter stating we needed to make one payment.

They sold the car asap and turned our account over to collection.

For 15 years we have been sued and taken to court regardi g this matter. We are being charged daily interest and feel we have paid this debt off years ago. But they keep telling XXXX. XXXX, XXXX XXXX XXXX the collection agency at XXXX XXXX XXXX XXXX, Va to continue to collect this old debt. They would car ish my husband 's wages if we did not pay ourselves.

We have had to file bankruptcy twice due to this issue. Been to court and told the judge years ago we had no funds to raise our family and continue to pay thousands of dollars on this account. But yet I am now still paying out of my social security check due to a separation. We can not afford to keep paying for a truck we no longer have. It has been paid in FULL we feel two times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
The Lender did not notify us or our homeowners association of the hearing on XX/XX/2018. Subsequently on XX/XX/2018 we filed a motion to vacate and met with the Court MAGISTRATE whom granted us the motion and the lender attorney admitted that we were never notified.

We submitted a complete modification package to the lender on XX/XX/2018 at XXXX XXXX However. The Servicer refused to provide information and provide us the legal contacting information to proceed.

On XX/XX/2018 at XXXX XXXX we faxed a completed package to the legal office and we did the first follow up XX/XX/2018 at XXXX XXXX XXXX and we were told that a completed package was received and was being reviewed with no questions at the moment to follow up in 48 hours ; we did several attempts contacting the legal offices to follow up and I was unable to speak with their loss mitigation department, I wrote an email on XX/XX/2018 at XXXX XXXX The same day at XXXX XXXX we received the denial response due to : 1. The complete retention package was not received ( we have faxed completed package to the lender and the legal office with fax confirmation receipt ) 2. More than 37 days before the scheduled foreclosure sale ( we dont have a sale foreclosure sale scheduled )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
they keep calling with different amounts due saying i owe them over 500 dollars in debt. iv tried contacting them and appeal the amounts. my insurance company already paid for the services they are trying to charge me for. they have harassed all hours, i tried blocking numbers and they just keep calling me with different numbers with different area codes. very frustrating. could you please put a stop to this. they call everyday about every other hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sortis Financial, Inc.
State: IL

Complaint narrative:
Company : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Tx, XXXX Several Phone calls made to company trying to resolve. Sending certified letter today. Company has listed amount owed on my credit report, {$15000.00}. Amount was discharged in my bankruptcy. Company I assumed purchased debt from the company I owed this amount to after the bankruptcy. Repeated calls from companies representatives or agencies affiliated with this agencies, trying to verify my location or property owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
For the second time this year Paypal allowed a stolen debit card of mine to be used for fraudulent transactions. 

One time is understandable, but twice is either negligence or policy. 

I was notified by my bank on XX/XX/XXXX that my card was used via paypal twice for {$100.00} each. There were several more attempts made but they were able to block the use of the card. 

I contacted paypal regarding the issue and they claimed the card was swiped in XXXX ohio for the transactions and they would not refund the charges. 

I was not in XXXX ohio on the XXXX and have not been there for over 20 years and the card was never out of my possession. 

They basically said I was lying and they would not do anything about the charges. 

Like I stated above back in XXXX of this year they stole {$1300.00} from me and took over 2 weeks to give it back. Since I dont have a paypal account they were more worried about their customer being upset than the money they stole from me. 

Again, I have the card, it nor I was ever in XXXX. They continue to show that they make money off of the fraudulent charges and they dont care that non customer victims are being screwed by their incompetence. 

Here are the details of the transactions : Card # XXXX XX/XX/XXXX DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as XXXX XX/XX/XXXX ( Cash ) - {$100.00} Processing DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) Amount - {$100.00} XX/XX/XXXX DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) - {$100.00} Processing DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) Amount - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
XX/XX/XXXX, XXXX Debt Settled in a lawsuit by attorney XXXX XXXX XXXX with XXXX XXXX on behalf of XXXX  XXXX XXXX XXXX in the amount of {$750.00} ( original amount $ XXXX- cancelled check available ) XX/XX/XXXX - XXXX removed/deleted their entry of {$1100.00} from all credit reporting agencies as this debt was satisfied. ( Email available ) XX/XX/XXXX, I refinance my home only to receive a higher interest due to the fact that Ability Recovery Services , LLC ( ARS ) has added this debt of {$1100.00} back to my XXXX Credit report. 

XX/XX/XXXX, I applied for an loan as was denied the original amount request and informed that I needed to include the collection debt of {$1100.00}. 

I have been disputing this debt on and off since XX/XX/XXXX to current. 

XX/XX/XXXX I contacted XXXX  XXXX XXXX XXXX who informed that XXXX XXXX is their collection agency. I was referred to this collection agency as the debt was closed in XXXX XXXX XXXX XXXX and that they actual showed I was due a refund for overpayment. 

XX/XX/XXXX XXXX XXXX representative for XXXX XXXX  informed me that the debt was settled and that notification was to Ability Recovery Services. ( Group # available ) XX/XX/XXXX XXXX XXXX XXXX has failed to comply and has now added this collection debt of {$1100.00} to my XXXX Credit File in addition to updating it on XXXX. 

I am seeking the maximum amount in punitive damages of {$1000.00} per section 616 of the FCRA for this collection aggressive measure to collect on a debt not owed and continues to ruin my credit worthiness. 

I have emails, cancelled checks and legal supporting documentation to support my claim.

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 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aequitas Capital Opportunities Fund, LP
State: TX

Complaint narrative:
XXXX XX/XX/2018 received billing statement from " XXXX '' for {$0.00} dollars. This is similar to a credit card account. Problem is I did not sign up for this service. The service acts as a Health Care Credit Card account and collection ( including interest penalties ) for XXXX XXXX XXXX XXXX XXXX in XXXX Texas and surrounding area. I did not sign up for this service and immediately called ( XXXX ) and talked with " XXXX XXXX '' and told him I did not sign up for this service and cancel it immediately. XXXX said he would cancel the service. XXXX said he was aware I did not sign up and it was done by XXXX XXXX XXXX XXXX XXXX and in connection with XXXX Bank. I told him I did not appreciate the attempt by both the aforementioned to enroll myself in an account that I did not want nor believe is in anyone 's best interest and that I was filing a complaint with the CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: CORELOGIC INC
State: GA

Complaint narrative:
I've reached out to CoreLogic Credco twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX, XXXX and XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by CoreLogic Credco

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 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: MA

Complaint narrative:
My Discover It was issued with a very small credit line of {$1500.00} compared to my regular Discover Card with a $ XXXX.I have a excellent credit rating and a FICO score above 820.The Discover It was received with a promotion to double the accrued points ( miles ) on the anniversary date.I received this card on XX/XX/2018 and have been limited by the very low credit line.I tried to make a payment today of {$1500.00} but was denied because the payment went over by $ 33.00.Discover is keeping my credit line low to discourage me from any spending with this card.

Company response to consumer: Closed with explanation