vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I not disputing I owe these debts but I do see where they take the same visit and report it twice saying I owe for the same visits especially when there is also insurance showing of some of these payments they are reporting double an almost caused me my employment they have been doing this for the last 8 years so debts are passed the expiration of goin away please review Ars national

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
LVNV FUNDING and Resurgent ( which I believe are connected ) have been on my credit report for quite some time. I never received anything stating who they were, how they were connected, or to which accounts. I do not see full account numbers on my credit report and don't have a way to verify anything. I sent debt validation requests to which no response has been made. I finally sent an offer to settle with LVNV just to get it removed from my report. It is hindering my credit score. However, there has been no effort on their part to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Timing might be a little off for first incident because I originally deleted emails assuming they were a phishing attempt, and account closures were done over the phone. 

XX/XX/XXXX - Account fraudulently opened in my name at Bank of America - assumed spam/phishing attempt and ignored XX/XX/XXXX - statements from BoA start arriving at my house, first attempt at closing of fraudulent account XX/XX/XXXX - still received statements, account not closed XX/XX/XXXX - XXXX time to attempt fraud report. This time seems to work. Send BoA a very extensive amount of sensitive personal data as requested to their fraud department. 
XXXX XXXX - Receive confirmation that they finally believe me and closed the fraudulent account closure. 

XX/XX/XXXX, XXXX XXXX - Received emails that my new BoA account has been approved. I did not open this account. XXXX time -> I'm going straight to the feds.

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 2023-07-13 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: CA

Complaint narrative:
I have fraudulent accounts on my credit report, which I reported to XXXX XXXX  XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. BANK XXXX XXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  has refused to do this. The followings are the fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX UXXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2023-07-13 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: CA

Complaint narrative:
I have fraudulent accounts on my credit report, which I reported to XXXX  XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX has refused to do this. The followings are the fraudulent account : XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: FL

Complaint narrative:
This complaint is in response to Experian 's completion of an investigation on report # XXXX completed on XX/XX/23. In its response, Experian stated that the company that reported the bankruptcy record has certified to them that the record is reporting accurate. Experian according to the attached disclosure from XXXX XXXX uses the information obtained from XXXX XXXX to be added to a consumer 's report. I have reached out to XXXX XXXX and they have responded that the record has been removed from my consumer report and their database the letter has been attached. I have attached a letter from the courts who stated that they DO NOT report to credit bureaus. This letter has been given to Experian on numerous occasions. Experian continues to report this record despite not validating or verifying its accuracy. I am demanding the removal of this record.

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 2023-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Applied for preapproval for a loan from J.P. Morgan Chase in XXXXXXXX XXXX for {$150000.00} to purchase a home in XXXX XXXX I was contacted by XXXX XXXX the next day. Was conditionally approved on XXXX. Saw house on XXXX, made offer, offer excepted. Signed contract on XXXX. Point of contact person XXXX XXXX called on or about XXXX to introduce herself and to let us know our closing date would be XXXX XXXX and our first payment of $ XXXX. would start on XX/XX/XXXX. Appraisal schedualed for XXXX. On XXXX we was then asked to waive our appraisal/valuation so we could sing on time. appraisal back on XXXX. XXXX called XXXX XXXX stating appraiser requested a water test be done.Water test was done on XXXX, and came back ok. After that we was told that XXXX would not approve loan unless we paid to have water hooked to city water. On XXXX XXXX we informed XXXX and XXXX in writing that we was going to change to a different lender and requested in writing that the appraisal be transferred to new lender. All transfer information given at this time. No appraisal transfered. On XXXX XXXX I attempted several times to reach XXXX XXXX, XXXX XXXX, and XXXX XXXX Supervisor XXXX XXXX with no answers. Attempted calling again several times on XXXX XXXX and again no answer. Finally I called a general number and spoke to another loan consaltant and was informed that all three had been laid off. This loan consultant was unable to help me with getting the appraisal transferred because she and everyone I spoke to after this point was unable to locate not only the appraisal but the entire loan application even though I provided them with current Mortgage case number and mortgage number. We had our house loan with Chase XXXX  years ago and they kept going back to this loan and stating there was no appraisal found. I had spoke to so many " loan consultants '' trying to locate the new loan application and appraisal and it finaly paid off. I was told that I needed to pay for the appraisal before they would transfer it and was given an address to send it to. I immediatly got a certified check and overnighted it to the address provided. Appraisal was transferred and we signed on house shortly after. A couple months later we recieved a XXXX from Chase in the exact amount that I sent to pay for appraisal with a letter stating no loan or appraisal found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent Equifax an FTC report in order for them to remove the inquiries that I did not authorize but they have not complied. I was told it was because they dont have my id and ss card which is not true because I have sent it to them via certified mail several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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:
I have contacted transunion XXXX times to delete inaccurate reports on my credit report, so far they have not yet sent any information regarding this fraudulent claim they are reporting. I have sent them certified mail asking for debt verification with no response. I have also called them several times letting them know they are reporting inaccurate reports that I'm entitled to payment of XXXX per occurrence. " 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 2023-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Today ( XXXX ) I just so happen to check my Macy 's credit card and noticed that there was a {$2.00} balance on it. Not knowing what the balance is for because I paid the balance off in full last month on XX/XX/23 which is prior to the due date and the balance should be {$0.00}. I reached out to Macy 's credit card line to get answers and was told by the representative ( no name given ) that it is a charge for a carried over balance. I explained that there was not a balance carried seeing as though I paid the balance off on XXXX which is weeks prior to the XXXX due date. The representative goes to tell me that I had a balance in XXXX which carried over to XXXX and that is what the {$2.00} interest fee is for. I explained that did not make an sense seeing as though the small balance from XXXX of {$1.00} was included in the XXXX statement which was paid off and should have brought the balance down to {$0.00}. She goes on to tell me she can waive the fee which I accepted and explained that someone would need to review my statements to see why I was charged the same {$2.00} fee prior. The representative gets a supervisor after a 15 minute wait. The supervisor was extremely rude to me and would not let me explain why I thought that the {$2.00} charge was not valid. He would over talk me and try to use his outside voice to try and intimidate me so I would not ask any questions and just accept that they would waive the fee. This is not fair business practices. I have even googled this and multiple people are dealing with the same issue with Macy 's and the {$2.00} interest fee they are automatically charging even when the balance is paid in full. It's extortion, imagine how much money Macy 's makes charging hundreds and thousands of people XXXX XXXX  monthly without their knowledge. It's not fair and it needs to be looked into!

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 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Spring Oaks Capital has contacted me via writing to acknowledge me of a debt that I supposedly oew to them, without an account number, a bank that I am not familiar with and will not respond to my requests for a full and complete debt validation letter. It is my understanding that because they are a XXXX party collector, they are unable to complete this type of request because there are no contracts between them and myself. In good faith, I reached out ad offered to settle the account because the negative marks hinder my score. They do not respond to any of my mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: SLM CORPORATION
State: FL

Complaint narrative:
Hello, I received a settlement offer from Sallie Mae. They said that they will accept {$7300.00} as a settlement. Sallie Mae said that once they received the final payment, they would forgive the remaining current balance and the loans be considered settled. 

I accepted the offer, saved up and made the full payment. It has now been over 2 months, and Sallie Mae is still not reflecting on my account of settled. 

Please please please assist. It is ruining my credit profile. 

I have letters from them and a receipt showing that I paid the amount agreed, if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-13 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: NC

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: RS Clark and Associates, Inc.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is in reference to Account XXXX. XXXX at Fifth Third Bank. Day before yesterday, it was brought to our attention that our account balance of {$41000.00} has been wiped clean, account closed and turned in to collections some months back. Please note that no transaction was authorized by us from the account, neither did we know about this situation or we would've bought this to your attention earlier. We have been preferred banking customers at fifth third and have maintained high balances for a very long time. For something like this to happen is not just mind boggling but also extremely stressful. As I report this, I can not describe the amount of worry and mental agony this misfortune has brought to us. we called in to customer service trying to get into online banking as we have been unable to access the account online for quite some time. At the call, we were transferred to collections and then back and forth between fifth third customer service reps and collections with no explanation as to how something like this can happen. We also reached out to our branch manager at XXXX XXXX, MI via email to find out what happened, hoping to get some help and doing so again. How can transactions occur from the account without our authorization and how can an account be closed so quickly without our knowledge? 

At the moment, we have been informed by fifth third bank that company named XXXX XXXX XXXX had pulled money from my account using ACH. These transactions were not authorised by us nor did we have any information about these transactions until yesterday when we got to know about these transactions. 
YEAR XXXX : - XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX over draft fees YEAR XXXX : - XX/XX/XXXX. XXXX over draft fees XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX overdraft fees XX/XX/XXXX. XXXX overdraft fee XX/XX/XXXX. XXXX overdraft fee We really need someone to look into this matter and help us out. Truly believing that humanity still prevails and hoping we can get some answers as well our funds. 


Account owners : XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation