vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
I received a letter from EOS CCA Dated XX/XX/2021 I received that letter on or around XX/XX/2021. To which i responded via written letter XX/XX/2021 to XXXX XXXX XXXX, XXXX, MA XXXX  Requesting a verification of debt. 

The reason for my request for a verification of debt is 1st to establish whether or not this is in fact my debt and 2nd the details of the charges as they are alleging that I owe {$4500.00} yet they have not provided the details for the charges in question. 

How is it okay for them to send me a letter stating that I owe {$4500.00} and no explanation of charges? No date of Service? Nothing at all is on this letter ties me to this debt. The information on this letter could have easily have been obtained with a simple XXXX search or XXXX XXXX search. I don't think that I am asking a lot by requesting that they both prove this actually belongs to me and provide details of charges. 

The second reason for my complaint is that if this hospital did in fact share my information with this EOS CCA Agency this is a clear and present violation of my HIPAA Rights. I am not sure how they could provide me with the details regarding my visit with out violating my hippa rights. And yet in still I am being asked to pay an amount with XXXX proof or anything. 

Today XX/XX/2021 : I received a phone call from a XXXX XXXX from EOS CCA and he stated me me that their office does not check their PO Box which is probably why I haven't received a response to my letter. He stated to me that they do everything online and if I wanted more information I would need to go directly to their website.. This is not acceptable for me as I would like to be communicated with via written letter so that I can keep track of my communication. He also advised that this is my debt because he would not be calling me if it wasn't and this is also unacceptable as I have requested written verification and a verbal confirmation which lacks the details of these charges is not acceptable. 

If you look at the attached letter from the company there is nothing here which details my date of service or the details of the charges. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XXXX XXXX I bought car XXXX XXXX spark for XXXX purchase price XXXX owner myself previous owner XXXX XXXX XXXX holder credit acceptance lien holders are in place when there is ownership of the car loans are taken out fairly loans are cash agreements you have to pay back so there is a lien for some reason the car is paid for and I know the title I have is me memorandum title is given to you from the actual title being sold for some type of collateral like a loan but since the cash price or purchase price is there I think that they say there was a financed part but that added money to the car price so they charged like 18,000 more and I'm not even into head about XXXX $ being the payment and I'm nowhere near paying for it its like they slowed time down the car has been a problem I got it because of the things I was waiting for the lawsuit social security told me about the way its going its been 4 years and they still hav n't distributed the money it was already a closed case in XXXX but I can't get straight answers people have been trying to steal evidence that it existed told me over the phone over the years from some they don't know then Ill leave voice mail an never get a response but it seems like I'm put in a situation that the lien holder/ loan place which I'm noticing wants all the money but lien like if I didn't have the money to file bankruptcy like is on my credit report its unfair because it is but its reported I bought the car for a certain price or financed it that's there but the confusing part is the purchase price being noted on the title and sales tax like that's some kind of weird thing I own it, but the exit for the car dealership does not exist the dealership doesn't exist and only the license bureau knows something they gave me hard plates off a memorandum title but they don't know the problem I'm having because its not loan max or some other title loan place

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 2021-03-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have provided my ID social and a bill confirming myself. Equifax sent a notice stating they needed this information. I have uploaded the information and mailed it to Equifax. I am attaching the information again because I have uploaded to Equifax and to the CFPB and mailed it to Equifax. Why is the information still showing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I paid off my loan with NationStar in XXXX. I've never been late with any single payment. The loan was paid in full. In XXXX the NationStar reported to the credit beauros that the account was XXXX as of XXXX and added status DRG for XXXX. As the effect my credit score went down by XXXX points. I noticed that my score went down via XXXX. I immediately pulled my free credit report from XXXX  and saw the problem with NationStar reporting. I sent NationStar a meesage via their customer portal on XX/XX/XXXX and didn't receive any response. I called them as a follow up on XX/XX/XXXX and was told that the NationStar will start a credit dispute and I will get a phone call from them. It never happened. I sent another message via customer portal that was left unanswered by NationStar. The same issue involves my husband 's credit score, since mortgage with NationStar was in out both names - XXXX XXXX XXXX XXXX I'm looking for the bureau 's assistance in getting through to NationStar. It appears that they don't wish to deal with customers that have paid off their loans. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: PNC Bank N.A.
State: MI

Complaint narrative:
I have tried several times to remove inaccurate and unverifiable off of my report. This is hindering me and family from a financial goals and purchasing a home in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: DISCOVER BANK
State: MI

Complaint narrative:
I have tried several times to remove inaccurate and unverifiable off of my report. This is hindering me and family from a financial goals and purchasing a home in the near future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have been a customer of Discover for 4 years, this was my very first credit card and this situation right here has proven to be the end of that relationship. Thanks to Discover, I am out of XXXX of my hard earned money with no recourse in sight. The merchant I purchased furniture + assembly from shipped and had the furniture delivered but never actually performed the assembly I paid for. They continued to push back the appointment date ( which turned into dates ) until I eventually decided to purchase from elsewhere. I attempted multiple times to contact the merchant but I'd be on hold for so long the call would disconnect and they did not respond to numerous emails. Due to the amount of the charge, I decided to file a dispute on my Discover card hoping Discover could try and remedy the situation. Even though I provided documentation showing the numerous cancelled appointments, all the merchant did was submit my order confirmation and Discover found in their favor multiple times over the period of a few months due to supposedly finding the charge to be " valid '' which was never what I was disputing. I've been lied to by Discover 's customer service agents and have had my chain jerked around until I reached out to their supposed " executive office '' which is nothing but another call center full of even more useless agents. I've been promised call backs, that more research would be done on my situation, but nothing has been done. Discover hasn't even tried to get me a partial refund for the services that were never performed or tried negotiating an actual return/refund from the merchant who refuses to respond to me but will respond to disputes filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
this date was paid and its still showing negative on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a small ( {$120.00} ) collection account from XXXX XXXX that was sold to XXXX XXXX Services. Although I have a contract showing I don't owe this money I settled with XXXX on XX/XX/21 because I'm trying to refi my home. This one disputed item has slashed my otherwise flawless credit history from XXXX to XXXX, making it impossible to obtain any kind of credit. This is clearly disproportionate to the amount in question, especially since XXXX XXXX never attempted to settle the debt since the first time they told me they were no longer going to honor my service contract. 

I've confirmed that XXXX first reported the account paid, closed, and remove status on XX/XX/21 and again on XX/XX/21. TransUnion and XXXX are allegedly " investigating '' my dispute on the matter. Despite four calls to XXXX  between XX/XX/21 and XX/XX/21 to request an expedited recheck on the account XXXX has done nothing and is still reporting it open and unpaid to XXXX XXXX and XXXX XXXX. TransUnion has updated the account but incorrectly shows an open balance of {$57.00}. 

Please contact these two companies and urge them to update my file immediately. Thank 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 explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On Monday, XXXX, I sent XXXXUSD to XXXX XXXX XXXX through MoneyGram, Reference Number : XXXX. The funds were to be deposited to his XXXX XXXX XXXX account in XXXX XXXX, however, when Mr. XXXX went to the bank to collect them, he was told that his name was not correctly printed on the transfer, and that there were no funds to be released to him. Accordingly, I contacted MoneyGram this morning, XXXX, at approximately XXXX and requested that the transaction be canceled and the funds be returned to my checking account from which they were withdrawn. Although he said he would try to submit a refund request, the operator responded that the money had in fact been deposited into Mr. XXXX XXXX  account and it could not, therefore, be refunded to me. He stated that MoneyGram has no means of returning funds already deposited in a bank account or to guarantee that they are delivered to the intended recipient, thus effectively leaving me with no options for either recovering my funds or ensuring that they are delivered to Mr. XXXX. When I asked the MoneyGram operator to send some kind of documentation of my phone call with him wherein I asked that the transaction be canceled, he responded that there was no way to do that. There is, therefore, no official record of my cancellation request. I need help either recovering my funds from MoneyGram, or ensuring that they are delivered to the intended recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Why didnt Freedom Mortgage approve me for the COVID 19 loan modification?, Im receiving unemployment.

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 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comentou Bank, the issuer of XXXX XXXX XXXX, has been sending me already mistimed mail in regards to my account. I opened the account about two weeks ago ... havent had the chance to personally use it. It was used to put a down payment on a vehicle, it was explained to me that I would receive a card in the mail in a matter of business days. So far, the only materials I have received is a notification of interest change which requires a 45 day waiting between changes as stated by the CARD act. My interest rates are changing and without any material to access my account I am forced to let them work behind the scenes with how much I pay IF I am to receive the card soon? I am very worried about my safety with this company. Customer Service was called and was utterly unhelpful. A direct quote from their CSR : I have no idea what is going on here. 
I feel that sending someone a card they applied for is a good first step. Please, let me know if there is any more info I can provide, and god willing get these guys a massive audit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Paid debt through XXXX XXXX. Was told one payment was paid that this would be removed from credit. It has been well over 6 months since Ive paid this account off. Also, it been well over 7 years that this account has been reporting. 10 years to exact. Remove!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-03-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Debt in litigation. Debt belongs to ex wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
i was a victim of identity theft

Company response to consumer: Closed with explanation