vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Medical debt for services received on XX/XX/XXXX that has a history of not being billed correctly to the insurance company.

Three notifications have been made to XXXX and i even connected them directly with my insurance provider. The biller continues to bill the wrong carrier. 

The biller has turned the account over to Medicredit, a debt collection company. 

Documents mailed directly to XXXX Consumer Response Specialist on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: LendingUSA
State: CA

Complaint narrative:
LENDINGUSA # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover XXXX discriminated against me going against the Federal Law pursuant to Equal Credit Opportunity Act 15 U.S. Code 1691 1. In order for Discover to even let me put in an application I was already approved. Once I gave Discover my application, It was Approved. and they ran it, legally can not deny me credit because they don't have credit to give. I the consumer am the creditor and I am extending you credit pursuant to 15 U.S. Code 1691a ( e ).

2. I was denied due to defamatory claims made by a credit reporting agency ; which according to congress is a scam. The Congress has stated that Credit Reporting Agencies, are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate me
chanism has been developed for investigating and evaluating the consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. Congress has also stated that Credit Reporting Agencies are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefore youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner that is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. XXXX  are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hey on XX/XX/21 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 52 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 52 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I was told there was no hard credit pull. They, at that point, ran both mine and my wife 's credit with a hard pull. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I just saw your response to my complaint and it sounds you're denying me as your customer, i am not sure how it works but i only want those inaccurate information deleted please fix your errors or i will seek litigation due to the stressed you caused 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 non-monetary relief
Consumer complaint received 2021-09-03 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: ERC
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX  and XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX  and XXXX  are reporting inaccurate information on ERC ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is contracted with EDD for the debit cards there was a court order put in place by a judge stating that they are not to freeze or hold funds on cards however it has been nearly a year now since my card has been frozen by Bank of America they refuse to unfreeze it regardless of the situation I have contacted EDD and I have verified all my identifying information and everything is cleared on their end however Bank of America still refuses to allow causing me to be unable to pay my bills and have lost everything due to this

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 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I got my tax refund and my stimulus check and XXXX XXXX XXXX XXXX sent it to my bank account that was no longer accessible they closed it because I owed money. And the bank took my tax refund and stimulates check for the economic relief. How if possible can I get this money back? The irs sent it to XXXX XXXX XXXX XXXX  then XXXX XXXX XXXX XXXX sent it to my closed account. I had called them before hand and explained that my account was closed and asked if it was any other way I could get my funds without them sending it to that account but they said it was nothing they could do. So the bank just took the money because I was in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I had XXXX at XXXX XXXX in XXXX, MO in XXXX of 2021. I was told I would have to pay a set amount of money upfront before having XXXX, to pay for what the insurance company would not cover. I paid that amount so I could schedule XXXX. Fastforward to XXXX of 2021, I get 5 collections related to billing by XXXX XXXX for my XXXX. Nobody ever contacted me about the bills, I never received the bills in the mail, and I called them to try to make it right and pay the bills, and I was told that the accounts would not be removed from collections, even though XXXX XXXX is clearly liable for these bills not getting paid. This would be a different situation if I hadn't offered to pay the bills to correct their mistake, but they still refuse me the ability to make it right. So I would like to report them for destroying my credit, that I have worked tirelessly for years to repair, and refusing to correct their mistake. Now Transworld Systems is refusing to remove the collection from my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RGS Financial, Inc.
State: GA

Complaint narrative:
They keep asking for a person who does not belong in my household nor is a person that this phone number belongs to. I do not personally know the person that they are trying to collect the debt from but they have made several calls to my phone after I had expressed that they had the wrong number to the person they were trying to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I had XXXX at XXXX XXXX in XXXX, MO in XXXX of 2021. I was told I would have to pay a set amount of money upfront before having XXXX, to pay for what the insurance company would not cover. I paid that amount so I could schedule XXXX. Fastforward to XXXX of 2021, I get 5 collections related to billing by XXXX XXXX for my XXXX. Nobody ever contacted me about the bills, I never received the bills in the mail, and I called them to try to make it right and pay the bills, and I was told that the accounts would not be removed from collections, even though XXXX XXXX is clearly liable for these bills not getting paid. This would be a different situation if I hadn't offered to pay the bills to correct their mistake, but they still refuse me the ability to make it right. So I would like to report them for destroying my credit, that I have worked tirelessly for years to repair, and refusing to correct their mistake. Now is refusing to remove the collection from my report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I traded in an existing Honda lease a year early to get into a new vehicle. Honda Financial told me that I would receive letters in the mail explaining how to create a new account fo the new leased car. I did not receive any email, phone call or mail correspondence. I received a phone call on XX/XX/2021 stating that I was 3 months delinquent on payment. I paid the unpaid payments over the phone that day. 

The representative on the phone with Honda Financial stated that they had an incorrect address in their system. I am in perfect standing with every payment my entire life. Due to Honda Financial 's error, My credit score has dropped by 100 points. I should not be penalised for this mistake. 

Please help, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I, XXXX XXXX identify as the natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. 

Pursuant to 15 U.S.C 1681b Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX and XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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:
I have contacted several times the Credit Bureaus XXXX, Transunion, and XXXX  asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, XXXX  {$1000.00}, XXXX  {$1000.00}, Transunion {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my XXXX  report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously XXXX  has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also XXXX, refused to delete old addresses in my credit report that way I avoid Identity Theft. 
Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. 
XXXX XXXX, Transunion has inaccurate information and failed to verified account and XXXXXXXX XXXX XXXXXXXX is attempting to collect a debt that is not mine. 
I request them to remove it from my credit report immediately. 
I also Filed a Identity Theft Report Thank you, Look forward for your response.

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 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: CA

Complaint narrative:
I had canceled XXXX  phone/cable/internet and the associate had not completed the transaction. There is record that I had called to cancel and that I switched service providers. I reported the fraudulent charges as they continued to charge me for services without my knowledge. XXXX XXXX reversed the charges and agreed they were considered fraudulent. XXXX then billed me again for the reversed charges. I refused to pay and they sent the bill to collections with Prince Parker. I received a notice from Prince Parker on XX/XX/XXXX via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I asked this company to send me valid proof of this debt, Section 609 of the FCRA asks for proper documentation for any debts. Ive received nothing providing that this is my debt no contract, signature or permission the original creditors gave consent to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Every month I deposit {$2000.00} into my account at usaa which the check is written to me on a usaa account. Every month they only allow me to get XXXX then place a 10 business day hold on my account which causes me to not to be able to pay rent utilities and buy medicines and groceries. My rent is due on the XXXX and I XXXX  XXXX dollars for wvery day that that XXXX dollar rent isn't paid. That's usually XXXX XXXX dollars extra in rent i have to pay because usaa will not allow me as a veteran on a fixed income to access my funds. I'm literally going broke and without electricity or water or food or meds every month now for 5 yes. They say it can not be released however 3 months ago I got so fed up with this XXXX  I called 27 times until I was transfered to a manager by the name of XXXX and he.told me.that at anytime funds can be released with a simple push of a button or two and he stated that if ever I was denied my funds to know that the location I had reached that day that wouldn't allow it to be released is only using that method at that contact center to drive up profits by keeping the funds of depositors on hold. Today I reached a lady by the name of XXXX at extension XXXX she refused to give me the contact center address or number only her extension. She begins to tell me.her policy and.procesure of why it is right for her not not allow me to access funds I put I nto my account. I asked to speak to her manager and she just kept repeating policy. I asked her if she only gets a percentage of her pay or is she allowed to get her whole paycheck or is she gets enjoyment of causing me to be forced to pay extra on my rent resulting in no food no electricity or.meds etc..she said their policy was.. 

That's when I lost it after asking for her to transfer me.to her superior and her not doing so I advised her I would be making a complaint again she wanted to talk policy.. 
It seems the policy is as XXXX described. To make.profit off of deposits placed in ones account by holding those funds XXXX resulting in usaas customers, Veterans and services members, being forved to go without needs being met or in higher bills resilting.also in bounced payments from insufficient funds and.cause fees to accumulate. This is wrong in every sense of the way. Please help us and stop Usaa from holding funds XXXX and let the XXXX 's of these contact centers know we won't tolerate it. I asked XXXX if I could bring my children to her home for.food when we were unable to buy them.food she said to me of course not thats ur responsibility ... .I hung up the phone because obviously She is bought into the idea that profit is ok even if it means hurting those that fought for her right to be a XXXX XXXX. # releasethefunds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have reached out to DRS since I was notified that they were on my credit reporting as a collection. I sent out a letter asking for DRS to Validate this debt. The information that I have received from DRS has been statements showing that this debt has been paid and {$0.00} is owed. This account was paid by insurance and should not be in collection. Please delete this account from my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal case ID : XXXX Paypal close my dispute case with reason that item delivered when the tracking shows its returned to the shipper. 
The tracking number is the same tracking number paypal provided. 
I made a complain to PayPal but instead of being responsible and admit their mistake and refund me. 
Paypal block my account and i cant use it anymore. 
This is clearly unethical and its a fraud attempt.

Company response to consumer: Closed with explanation