vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: AZ

Complaint narrative:
I have a collection on my report from XXXX, an account that is still open and active. XXXX continues to collect payments from me every month for internet service, but never thought to apply those payments to my supposedly past due balance. I was also told by XXXX that the collection account will stay on my credit report for 7 years from the day the collection agency decided to report the account instead of the 1st day of delinquency. I was not living at the address XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX during the time the services were being charged and had moved to XXXX, AZ ( XXXX ). I have attached a transcript from my communication with XXXX stating that only the credit bureau would have the authority to remove this account from my credit report and they are not sure why I would be told they can not do it. When I spoke with Equifax I was told that only the reporting Collection Agency could request to remove the account. When I spoke with XXXX XXXX ( the collection agency ), they told me that only XXXX would have the authority to request for deletion and XXXX stated the the account was not reported in error. It actually was reported in error since XXXX never contacted me about the separate bill once they decided to create a new account for me when I moved. XXXX continues to allow me to be a customer even with this XXXX collection on my credit report ( apparently a separate account ), which defeats the purpose of the negative mark on my credit. No information was ever given to me about anything and I had to wait to see this reported on my credit. It took getting a Director of Compliance from the Collections Agency to even give me a full report with the information I requested after several disputes. I don't understand how it is my fault that I was never contacted about the {$200.00} debt and was allowed to continue using services with the same company that reported me to collections. The debt is apparently not in the hands of anyone who can request removal so I am requesting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for a full refund on the product that I bought. 
I purchased a GIFT CARD on XX/XX/2021 and paid a total amount of {$500.00}. XXXX. The gift card was being used by some else. 
It seems that the product is defective and that it is not functioning properly. The specific problem with the product is that Gift Card is a scam, and the US bank is fully aware of the problem. The US bank duplicates gift card numbers. 
Gift cards can be tampered with at the store, she said, by crooks who grab stacks of cards, remove the security tape from each gift card, and then take photos or write down the cards secret 16-digit activation code. 
Many times, the cards don't look like they've been tampered with because new security tape is placed on them. But consumers are warned nonetheless to be on the lookout for signs that someone damaged the card 's packaging. 
The bad actors, XXXX said, are able to use technology to monitor when the compromised cards are activated. Soon after money is loaded onto the card, the scammers will the use the activation code to steal the money. 
" As soon as that card hits the cash register, they're pinged, '' XXXX said. 
The value of the card can end up being drained by an outsider, without ever leaving your hands. 
I read your terms and conditions, and I am well aware that customers are entitled to a full refund for a defective product. 
I attached the receipt that I got with the product as proof it was purchased from your company.

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 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC
State: VA

Complaint narrative:
This complaint is a continuation of Complaint # XXXX. That Complaint was unfortunately closed without resolution. I am refiling that complaint as I have additional information today. The Heartland Resolution Group called me from XXXX on XXXX. The phone rang once and then disconnected so I called that number back. The person who answered purported to be a debt collector and said that I owed a debt to XXXX XXXX XXXX. I let that CSR know I do not owe them ( XXXX XXXX XXXX  or Heartland Resolution Group anything becuase none of my medical bills are in collections or have gone unpaid. The CSR proceeded to press me for my personal information, which I declined to give. She hung up on me. I googled this company and they are a scam company with bad reviews. I XXXX  XXXX XXXX XXXX and got their number and called them. I asked for them to review my account with them, as I saw they are affiliated with XXXX XXXX XXXX, which I have gone to for medical care in the past. They advised me, on a recorded line, that I do not owe them anything, other than a XXXX dollar invoice that is being billed to my insurance company, and is under review, so it is not in collections and I do not need to take any action, as far as payment on it, at this time. When I filed the prior Complaint # XXXX, XXXX XXXX XXXX XXXX Complaints XXXX, from Heartland Resolution Group XXXX responded and basically said they can not move forward to resolve the complaint because they do not know who I am. He left this number for me to call - XXXX, which I called. When I called that number, a man answered and I asked him why is his company, Heartland Resolution Group, claiming that I have medical debt and that they are attempting to collect it, when I have no such thing. He looked up my account and provided me with their reference number XXXX and said that the medical debt is {$40.00}, it is under my son 's name, and that XXXX XXXX XXXX " gave '' them this account for them to collect from me. My son is XXXX XXXX XXXX. This CSR from Heartland Resolution Group did not give me a date of service for this alleged debt and I asked for the number they had for XXXX XXXX Phys. and he gave me XXXX, which is NOT the number for XXXX XXXX XXXX, it is for the XXXX XXXX XXXX. I called XXXX XXXX XXXX. and they told me the same thing as before, that neither my son nor I have any debt with them, they see nothing has ever been sent to collections under me or my son for non-payment and furthermore they have NOT A CLUE as to who Heartland Resolution Group is. I want to know who XXXX is, how they got my son 's personal information, why they were attempting to collect that my son DOES NOT OWE and why they were so evasive and vague when confronted with direct questions from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE FIRM, INC., THE
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a case with CFPB ( Case XXXX ) against The Mortgage Firm , Inc. in which they responded on XX/XX/XXXX and stated they made an error but it would be corrected within 30 days. It has now been way more than 30 days and they still have not corrected the issue. The issue being, that loan modification documents were to have been sent to us last XXXX, XXXX and it has been more than seven months and they still have not sent the new loan modification documents even though they were approved back in XXXX, XXXX. Furthermore, I found out on XX/XX/XXXX from a customer care agent that The Mortgage Firm had made another error in XXXX, XXXX and that is why we still do not have our loan modification documents even after our last CFPB case was opened and closed. The customer care agent we spoke with said our docs were once again re-ran on XX/XX/XXXX and would be on the way to us soon but could not pinpoint a date. We have heard this exact statement many, many times before over the past seven months to no avail. I am attaching a document with a timeline of all the issues we have encountered.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Loan service provider SPS Select Portfolio Servicing ( XXXX ) XXXX mistakenly under paid property taxes out of my escrow account totaling {$3200.00}. This error made me incur a penalty of {$1000.00} with the city of XXXX XXXX. I've tried to get them to rectify and issue me a refund but they have refused. I've called them a dozen times and they give me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: ID

Complaint narrative:
In XXXX these two charges were processed on a US Bank credit card that I called and closed in XXXX of XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MA {$96.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX DE {$99.00} I have to assume that even though I asked for the card to be closed it was, in fact, not properly closed. Due to this belief, and because US Bank did not send me any statements to notify me that these charges existed, I was unaware of them until I received a letter from US Bank notifying me that the account was 30 days past due. Consider that for 8 months I believed this card was closed. I lived my life as if this card was out of the picture, obviously I was not attempting to log in and check on the balance and payment. 

Upon receipt of the letter, I called US Bank to pay off the card and, again, close the account. I also explained the situation, asking if US Bank could remove the 30 day late report. They said it was not something they had the ability to do and I would need to discuss with the credit bureaus. For the record, I don't believe that is accurate. I believe US Bank does have the ability to correct this issue. Nevertheless, I proceeded to challenge this 30 day late with all XXXX bureaus. 

XXXX just concluded their investigation and has not removed the 30 day late for the reason that " The company that reported the information has certified to XXXX that the information is accurate ''. That is an apathetic " investigation '' at best. I never claimed the information was not accurate. I am claiming that the charges should never have happened and that I had no idea they even existed because US Bank did not notify me of them. For those reasons I should not have a negative mark on my credit report. Again, this has occurred on a card that should be closed. 

My credit score is supposed to reflect my ability to use debt. In 25 years of history I have never had a single negative mark on my credit report. If you see my report you will notice that I paid every other debt leading up to XX/XX/XXXX, during the month of XXXX, and thereafter. This situation has nothing to do with my ability to responsibly use debt but rather has to do with a failure of US Bank to close my account as requested and subsequently failing to notify me that charges existed on this 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 2022-03-24 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: LEXISNEXIS
State: IL

Complaint narrative:
I have been reaching out to remove a bankruptcy from my credit report for several months now. The company in question, Lexis Nexis, has falsified information as to how they received access to this information, violating the law as a result, and asked them to do the right thing by removing this information from their record, and I have yet to have received a response in over a month. This inconvenience has had a major impact on my life and ability to apply for anything credit related, and I want this removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: MD

Complaint narrative:
I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same. There are inquires on my credit report that do not belong on there, according to 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) In Section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I did not authorize or give CONSENT to anyone employed by the this company to make any inquiry and view my credit report. Further more I did not GIVE any kind of instructions to report this ALLEGED inquiry on my credit file. 15 U.S.C. 1681b ( a ) ( 2 ) PERMISSBLE PURPOSE OF CONSUMER REPORTS I did not give any written permission for these companies to place inquiries on my credit report this is not right ... FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. The account must be removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian : During dispute phases, this company refuses to remove the account and conduct accurate verification. The accounts are removed for XXXX hours at a time and placed back on the report thus lowering the score by more than XXXX points within a few days. It has furnished inaccurate accounts without the debt collectors first contacting myself in regards to the account. I still do not know what the accounts are in regards to and have never been contacted in anyway before the information was furnished. This has resulted in multiple credit applications and mortgages being denied thus furthering the defamation of my financial character.

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 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
I contact Nationwide Recovery System for an account transferred from XXXX XXXX XXXX XXXX for a date of service of XX/XX/2018 for XXXX XXXX XXXX XXXX XXXX XXXX provider. The debt collector by the name of XXXX in XXXX stated they do not have proof debt but I can request it from XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and was advised that they do not have a debt for me with this date of services or the account number XXXX  XXXX. I contacted the debt collection agency Nationwide Recovery System and advised XXXX of the same information in which he became irate and belligerent. I was transferred to his supervisor who would not identify himself and was offended ( his words ) that I requested to speak with someone in a U.S. location. He disconnected the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX and the following complaint has already being filed with the XXXX XXXX XXXX. 
I live in the XXXX Ky area and in the months of XXXX and XXXX I made use of one of the city toll bridges, Honda Financial Services XXXX XXXX XXXX, XXXX TX as the leasing agency received the {$4.00} each toll fee bills from XXXX XXXX and failed to notify me as the leasing customer, causing the bill to turn into a Violation Fee for up to {$68.00}. It was not until XXXX, 6 months later, that Honda Financial Services sent me a letter informing me about the existence of such fees. 
Then, I contacted XXXX XXXX the Toll Bridge Agency, to initiate a process that was supposed to pardon or reduce my toll fees, as they understood that I never received such notices. However before that process could be finalized, Honda Services went ahead and without informing me, payed the {$68.00} toll fee, abruptly interrupting my fee forgiveness negotiation with XXXX XXXX. In less than a week then Honda sent me another letter demanding me to pay back the {$68.00} that they ''had to pay '' on my behalf, then i proceed to file a complaint with Honda XXXX since, they not only failed to informed me about the bill causing for the same to turn from {$5.00} into {$68.00}, but also disrupted my process of toll forgiveness with the XXXX XXXX agency by suddenly paying the bill when they knew that i was trying to dispute it. 

Honda has given me no explanation as a customer on why my claim was denied, as I tried to dispute this besides '' it was management decision '', no explanations on why i was not informed of the incrementing XXXX XXXX fee when they had 6 months to do it, why i never received an email, a phone call or a letter. Honda just waited for the fees to turn into a violation notice that could even have affected my good credit history, and not happy with that Im being held accountable for their poor customer service, poor management, poor communication and mediocre performance. The reference number of my case with Honda Services is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
After pulling my credit report an open record of bankruptcy XXXX  XXXX was on my report. I reach out to my local courthouse and XXXX to find out who reported this information to the credit bureaus however they both responded they do not give out that information and XXXX removed the bankruptcy from my file on there end. The three credit bureaus were all giving a copy of this information and was asked for them to verify they information if they couldnt i needed it to be remove and neither company took this into action. Bankruptcy is still being reported.

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 2022-03-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-24 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
PHH Mortgage Services at XXXX XXXX XXXX, Mt XXXX XXXX XXXX, charged me {$2000.00} on the back end of my mortgage from an forbearance that I had taken. My balance was {$15000.00} left on the back end, I try to do a payment plan but they told me I had to refinance through another bank. From XXXX I was charge per day interest at 2 % ON {$15000.00}. I wrote the mortgage company and asked for a broke down of the charges and received a letter stating that I needed to pay the interest and to have it wired through a bank. 

I need to know what calculation was use for the balance on {$15000.00} that I had to pay {$2000.00} at 2 % my math is totally different from what they charged.

Company response to consumer: Closed with explanation