vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was recently online looking to get more information on health credit and i believe they handled my information wrong and used my information as if i were to apply for a company titled SYNCB / National Cred Cards Airlines and I don't seem to recognize it.the only time I used my information to ( not apply for a health credit card was when I was on the Care Credit website ( for the health credit ) to apply for more information. I am fairly new to building my credit and I notice it hit a hard inquiry on my account and brought down my score. Unfortunately I have no memory of apply for a credit line with SYNCB ( Care Credit ) I do recall going on their website and applying for more information regarding pricing. All I'm asking is for this inquiry to be removed because I'm trying to build my credit and I understand its a learning process but I do not understand why they didn't notify me it will affect my credit if I were to apply anyways. Which in my case I think they handled my information wrong & I would like to be forgiven for the recent score it dropped on my account.

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 2018-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Upon reviewing my credit report i noticed an account that is listed under MEDICAL.

Two issues with this situation : 1 ) I was never contacted by the collection agency at my address 3 XXXX XXXX, XXXX, NJ XXXX and/or called by the this agency. 

2 ) I have called their office - The number listed on my credit report and explained that I was covered under two medical insurances ( mine and my wife ). The original facility only processed one of the two medical cards for payment hence their was a balance left. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Under hippa my medical information is protected. Where's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. 

My expectations : 1 ) I am expecting the negative credit account be removed from both credit reporting agencies.

2 ) They need to give my file back to the original medical facility that needs to properly submit our medical information for payment.

If this matter is not properly resolved after this attempt. I will also be filing a lawsuit against the original creditor that sold this debt and Account Resolution Services as their inability to process the correct paperwork has hurt us financially with a recent car loan.

How can a company submit a negative credit rating for a bill that was mishandled by the original creditor and never even contact me regarding this situation.

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 2018-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
In XX/XX/XXXX I bought this property in XXXX, XXXX. We owned a home in XXXX, but this was going to be our retirement home.The 30 year fixed mortgage was with XXXX XXXX at an interest rate of 6.875 %. When Countrywide went under the mortgage was picked up by Bank of America.With the housing collapse in XX/XX/XXXX-XX/XX/XXXX we couldn't sell the XXXX house ; we were paying on both mortgages. I was still employed by XXXX XXXX, but was " retired '' in XX/XX/XXXX. The XXXX house finally sold in XX/XX/XXXX, at which point we tried to refinance the XXXX  property.The 1st result was they agreed to a short sale, which we rejected. In XX/XX/XXXX we applied for a loan modification, which they made extremely unpleasant. In XX/XX/XXXX they approved a loan modification, decreasing the interest rate from 6.875 to 6.75 % .They said they couldn't change the term-18 years left, but we should pay the new monthly payment and at the end of 18 years we would owe them a final payment of {$750000.00}. So, in addition to a usurious interest rate, this would increase our total payments to them over the 30 years by another {$250000.00}. I'm XXXX, XXXX  military ( 23 years XXXX ), and have no income other than my XXXX   military XXXX, my social security, and disbursements from my 401K. The balance on the mortgage is {$820000.00}. I was hoping to achieve a reasonable interest rate and would have preferred a 15 year mortgage.Any help would be greatly appreciated

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 2018-02-25 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: Rocket Mortgage, LLC
State: WA

Complaint narrative:
In XX/XX/2017, I contacted Quicken Loans to understand if I could do a cash-out refinance on my primary residence, which at that time I had owned for eight months. I wanted to get a quote from them, given that I had already gotten a quote from a local lender in the state of Washington. 

I initially talked to XXXX XXXX on the phone, Senior Mortgage Banker, and told them that I had already done my research about cash out refi Jumbo Loans. Specifically, I told him that other lenders that I had previously contacted wouldn't offer me that product since I had to have ownership of the property for at least one year. Apparently, this was not a black and white rule, and different lenders had different policies. 

XXXX XXXX XXXX told me that I was perfectly eligible for a Jumbo Loan cash out refinance, and the fact that I had lived in the property for eight months was not a problem. Once he said that, I decided to proceed and move forward. Long story short, this ended up being a nightmare and a waste of time. About three weeks after I applied, another employee from Quicken Loans told me that I wasn't eligible for the cash out Jumbo loan refinance. 

I ended up getting my refund for the application fee and the appraisal. However, I still have at least three hard inquiries on my credit report ( see list below ) that I would like to be removed since this company 's practices were deceptive at best. 

XXXX XXXX : XX/XX/2017 XXXX XXXX : XX/XX/2017 XXXX XXXX XXXX : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was recently online looking to get more information on health credit and i believe they handled my information wrong and used my information as if i were to apply for a company titled XXXX / National Cred Cards Airlines and I don't seem to recognize it.the only time I used my information to ( not apply for  a health credit card was when I was on the XXXX XXXX website ( for the health credit ) to apply for more information. I am fairly new to building my credit and I notice it hit a hard inquiry on my account and brought down my score. Unfortunately I have no memory of apply for a credit line with XXXX ( XXXX XXXX ) I do recall going on their website and applying for more information regarding pricing. All I'm asking is for this inquiry to be removed because I'm trying to build my credit and I understand its a learning process but I do not understand why they didn't notify me it will affect my credit if I were to apply anyways. Which in my case I think they handled my information wrong & I would like to be forgiven for the recent score it dropped on my account.

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 2018-02-25 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX, Transfinancial Company reported an unpaid medical debt for {$160.00} to the credit bureaus. The company alleges that the medical debt was " opened XX/XX/XXXX ''. Neither Transfinancial Company or the original creditor have ever mailed me any bills or correspondence relating to the purported debt. I was denied the opportunity to verify that the debt was mine or to pay it to the original creditor by virtue of the fact that it was placed on my credit report without notice or opportunity to be apprised of the debt. I do not know the date or purported service or if the debt actually belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: AES/PHEAA
State: CA

Complaint narrative:
I was transferred to XXXX from XXXX last year after applying for Public Service Loan Forgiveness.  I have always made my payments on time and intend to continue to do so. On XX/XX/2017, I received notice that I needed to recertify my income to stay on the Income Driven Repayment Plan. I uploaded and mailed the recert papers to them before 30 days had passed. Just a couple of days after uploading, I received a notice that since I had not submitted the papers, my XX/XX/XXXX payment would be $ XX/XX/XXXX- more than 1/4 of my income! 
After many calls and reassurances that they had the papers and would be processing them soon, they did take out that entire amount from bank account. I had to borrow money just to keep living. I would appreciate it if they would refund the amount paid less the amount of my regular payment.

I recently submitted a change to direct debit form after changing my bank, and they still have not processed that. I'm sure that they'll XXXX that up too and put me down as late.

Each time I contact them I am assured that everything is fine.

I'm looking for another servicer-

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX  Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a payment of {$8600.00} on my Capital One Platinum Mastercard on XX/XX/XXXX. My card is setup for autopayment for the minimum payment due. I made two charges to the card for {$210.00} on XX/XX/XXXX and budgeted to pay it in full in my next billing cycle. Even though I made a payment earlier in the month, and the website stated no payment was due this month the autopayment withdrew {$170.00} on 2/23/2018. It is Capital One 's policy to automatically withdraw money even if you made a payment in the billing cycle if there is not a {$0.00} balance. This extra payment really messed up my already tight monthly budget. When I caught the extra payment the next day it was already withdrawn from my account. I called Capital One to ask for the extra payment to be put back into my account because I never intended to make it. They refused to refund the extra payment citing their policy. I ran  into the same double payment problem with my XXXX XXXX XXXX credit card this month, and they refunded the extra payment with no issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This company calls excessively. Roughly every hour even on weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX, old credit card accounts, closed, sold to debt collectors. XXXX continues to send derogatory credit reports to the credit reporting agencies. This is unacceptable as XXXX no longer has any business at all interfering with my credit status.

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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX Date XX/XX/18 Address Issues Experian keeps adding XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Address identification Number XXXX is wrong I have provide time after time proof of the right address. 
Address Identification Number XXXX is wrong as well Experian added another same address to my credit report XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX on Report # XXXX The report # XXXX Date XX/XX/18 does not have 3 address for XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Experian keeps adding or delete on thing and then add it on another report. Time after time.

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 2018-02-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit cards were stolen on XX/XX/XXXX from XXXX in XXXX XXXX , the thief then proceded to run to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and committing fraud by charging my debit card ( without pin ) for XXXX. My phone texted me to tell me the transaction and I immediately called Chase and told them it was fraud and to shut my card down, they did and reversed, now I got a letter saying the transaction was valid. I called them back today XX/XX/XXXX and told them it was not and there is a video of the fraud and the signature was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX of a credit collection claim that had been filed against me by Receivable Performance Management ( RPM ) and spoke to a customer service representative. Prior to this point I had not received notice of any type from RPM, or from the company the alleged debt was owed, XXXX XXXX. As I informed the customer service representative, I am a current customer of XXXX XXXX and my account is in good standing. 


After requesting some basic contact information about me the representative informed me that the claim related to a " XXXX XXXX '' for service provided at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL. The service for which the collection was based upon ran from XX/XX/XXXX to XX/XX/XXXX. 

I informed the customer service representative that I had, in fact, resided at the aforementioned address, but that my lease ended and I relocated in XXXX XXXX, prior to the period in question. Additionally, my name is XXXX XXXX, not " XXXX XXXX. '' The representative advised me that they would mark the account as disputed and dispatch a packet to my attention with paperwork to fill out to dispute the claim. 


As of this date, XX/XX/XXXX, I have not yet received any correspondence from RPM. 

I was told by the representative of RPM that the collections claim was filed using my social security number, however, a subsequent call to XXXX XXXX 's fraud department indicated that not to be the case. XXXX XXXX confirmed that I have no claims against my account, nor have I in the past. I am a current customer of their service in good standing. XXXX XXXX further told me that this sounded like an instance of " skip tracing, '' which prior to that date I had not heard of. 

Subsequently I put a 90 day hold on my credit reports and requested a full version of my Equifax report, which revealed the details of the errant claim that was made against me. 

My credit scores dropped over 30 points due to this collection claim, but have since rebounded as it was apparently removed. As I never heard anything from RPM I am concerned as to : 1 ) how/why my credit was incorrectly penalized, and 2 ) whether this erroneous claim has been fully expunged.

I am filing this complaint to notify the CFPB of the skip tracing tactic that was applied to this account, erroneously leading to a collection effort against me, simply because I shared a common name with a person who resided at an address that I left years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX Date XX/XX/18 Has not updated current employment as I have provide proof. Experian does not correctly have or provide the right information. I have provided time after time for the last 3 months and Experian has yet to correct there issues. 

As of this report Experian took off my current employment which is XXXX XXXX which is listed on Report # XXXX and on Report # XXXX XXXX XXXX is not on my credit report in which one again Experian does not provide correct information as to my credit report. 

I have attatch 2 curent employment which is not on report # XXXX which I have work for the past 2 years in which Experian keeps deleting it or not showing the correct employment.

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 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I have sent a letter to all 3 credit beaures on XX/XX/XXXX to ask them to contact and verify and validate the so call debt that is owed with this creditor they have failed to correctly validate that is so called debt is mine. Creditor is enhanced resource centers amount of {$510.00}. They have sent a bill, no contract with my signature within in the 30 days as in the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX Date XX/XX/18 On Notices on page 3 of 4 under notices has perceived this as a high risk because it pertain to a business or was used as a mail drop. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Experian has incorrect information XXXX is a apartment complex named : XXXX at XXXX XXXX XXXX XXXX NV XXXX Experian has incorrect information under Notices and or need to provide proof as to may perceived as a business or mail drop or delivery service. 

Experian keeps adding information on my Personal Information page that is not correct and needs to be removed. Or provide documented proof to the information as stated by them

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