vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead XXXX XXXX XXXX sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
XXXX XXXX XXXX was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead XXXX XXXX XXXX sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Balance : {$620000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5200.00}

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$620000.00} XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm filing this complaint to you about some stuff on my credit report that I think is wrong. It's causing me a lot of stress and it's hurting my finances. I need you to investigate these things right away. Here 's what I'm disputing : XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX and XXXX already took these off my record because they found mistakes. I don't understand how you guys still have it on there. Please take it off my file because it's not true. I know you have to investigate this within thirty days, so please do it as soon as possible. These things are hurting my finances and I need them gone.

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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I got a hold of my consumer credit report from your bureau and I got ta say, I'm pretty disappointed with what I saw. There are some errors on there that are hurting my consumer report and I'm asking you to correct them ASAP. Specifically, I'm disputing the following info : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. The bank made an error when recording the payment. They are aware of the issue & have agreed to update to paying as agreed never late.

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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Financial and Personal Loan Services calls my phone, my family, my friends, and my XXXX mother 's phone every day. Discover Financial calls everyday and several times in a day asking for my whereabouts and harassing my associates which include co-workers, family, and friends. We have received over 7 -10 calls in a day. As soon as we open our phones and browse the Internet or make a call, a Discover Financial representative will try to interrupt our call or leave a voice message. 

Discover Financial and Personal Loan Services calls at odd hours and on holidays. They call pretending to be colleagues. For example, they may open their conversation or call with statements such as, " XXXX! XXXX! XXXX! '' I have asked them to not contact me ; however, they still flood my E-mail with letters and call me frantically everyday. I am scared to answer the phone at work and my job requires me to answer phone calls constantly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr. Cooper assumed responsibility for my fixed mortgage beginning XX/XX/XXXX. The first statement matched my previous monthly payments of {$3900.00}. The following month the statement increased {$4400.00}. In reviewing the statement it was primarily due to an increase in escrow from {$1500.00} to {$2000.00}. Knowing my taxes and insurance hadn't increased significantly it didn't appear correct so I called Mr. Cooper on XX/XX/XXXX and was able to confirm with the customer service rep I spoke with ( XXXX ) that their records reflected the following : -annual taxes were listed as {$17000.00} -annual homeowners cost was {$2700.00} -there was a shortfall in escrow of {$270.00} -there had not been an escrow analysis run by Mr. Cooper since taking over my mortgage -they claimed they did not change escrow charges without an analysis.

Getting that information took 56 minutes, every question was responded to with a pause of over several minutes until I would ask if they were still on the phone. 
I review the above numbers with XXXX and asked her to confirm that if an escrow analysis was done would the logic be to add the above numbers and divide by XXXX to reach the new escrow charge. She confirmed yes, we went thru the math ( total = {$20.00}, XXXX divided by XXXX = {$1600.00} ) and XXXX agreed. When asked what could be done XXXX responded " nothing ''. I asked if there was someone else that would be able to do something or at least explain and was transferred to XXXX who claimed she couldn't access my records, and suggested I call back later in the week. 
Feeling a little unsettled that my mortgage company didn't seem to have access to my records I submitted a " qualified written request '' as they suggest on the monthly statement explaining my concerns as well as all the details listed above. 
I called back on XX/XX/XXXX and spoke with XXXX. I recapped the earlier conversation with details and she said all she could do was " initiate an investigation ''. 
I received a response to my " qualified written response '' stating they would get back to me by XX/XX/XXXX. 
My overall impression is disorganization or incompetence- not feelings one likes to have towards the keepers of ones mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
I received email stating I will receive my security deposit for the secured card {$300.00} in XX/XX/2023. I have not receive my security deposit back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
My Amex savings account was debited numerous times My phone was stolen i have not had access to my login in years. Up until today my address was never updated Amex has a zero fraud policy I asked about the account number and the guy who was doing his job informed me there are over 500 XXXX XXXX in the system At one point he couldnt even see the second account which is the first account that was closed years ago. 

I just want my life back my account was debited numerous times XXXX dollars for at 5 or six months without my knowledge or permission For a suspected fraudulent loan open without my permission Its almost like the person put it on automatic payments I have a police report indicating that the loan was fraudulent and my account was used without my permission to make payments I have a police report and ftc report uploaded to XXXX I spoke to a XXXX today for about a hour to resolve this matter The attachments are police reports of the fraudulent loan and police reports of cyber attacks and my state of lousiana declaring state of emergency since 2019 to present because of motor vehicle records which house drivers license and indentifications and tax information along with social security numbers and hospitals along with other government agencies being hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek assistance in resolving an issue related to my mortgage account with this bank. During the COVID-19 pandemic, I faced significant financial hardship, leading me to request a modification of my payment plan. Unfortunately, despite multiple attempts to contact the bank, I did not receive any response, leaving me unable to afford the high payments. 

Post-pandemic, the bank finally responded, and we were able to establish a new payment plan. Since then, I have consistently made on-time payments without any further late instances. However, I have noticed that the late payments incurred during the pandemic have not been removed from my credit report. 

While I understand the importance of accurate credit reporting, I am currently unable to provide supporting documentation due to the circumstances. I kindly request your assistance in reviewing this matter and facilitating the removal of the late payments from my credit report, considering the extenuating circumstances surrounding the COVID-19 pandemic and the subsequent resolution with the bank. 

I appreciate your understanding of the challenges faced during this unprecedented time and your assistance in rectifying this matter. If there is any additional information required or if you have further questions, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and consideration.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The account is not mine and I asked them to validate the debt with the original contract and they did not provide me with the original contract as requested. I am not liable for the debt with XXXX ( Account # XXXX ). It is noted that the debt was charged off/written off. According to USC 15- 1681 and USC 15-1692 It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
Supposed date opened XX/XX/20XXXX 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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely disappointed to inform you that the information on my credit report is incorrect and lacks sufficient evidence to verify its accuracy. The discrepancies identified could significantly impact my financial future, and I am writing to formally dispute and request the immediate removal of the inaccurate items from my credit report. Upon reviewing my credit report, I have found discrepancies related to the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX. I have previously requested verification of these items. However, the information provided has been insufficient and inconclusive. I have lost all patience with the credit bureau 's lack of responsibility and accountability in reporting accurate information under the Fair Credit Reporting Act ( FCRA ). I demand that you conduct a thorough and immediate review of these disputed items and, in the absence of adequate verification, proceed to delete them from my credit report. Failure to comply with my request will result in legal action against the credit bureau and any other party involved in reporting inaccurate information on my credit report.

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 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: IL

Complaint narrative:
CREDIT SERVICE INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Acct # XXXX Please provide a breakdown of fees including any collection costs and medical charges this company showed you to prove it was me. 
Provide a copy of my signature with the provider of service to release my medical information Please send this information to my address listed above and accept this letter, as my formal reinvestigation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On XX/XX/2023 I used a ATM in New York. I called Citizens Bank to raise my ATM limit and with a Citizens employee on the phone with me the entire time, I tried to make 3 transactions for {$500.00} each. NO money came out of that ATM. Citizens took the {$1500.00} plus fees out of my account. The Citizens employee was aware of this and filed a dispute. About two weeks later the money was returned to my account. XX/XX/2023 Citizens sent a letter stating that there was no issue at the ATM and took the {$1500.00} back out of my account causing overdraft. My bills are being returned and my credit score has dropped because of this. Citizens then said they would report me to check systems because my account has been overdrawn. Ive called them multiple times requesting that they correct their mistake only to have the issue not corrected. Citizens has sent me letters saying their decision stands. Thats all they say with no explanation. Ive even asked the employees at Citizens to show me where they got their decision from and not one person would answer my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also not reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts. 

Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.

While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report. 

Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts.

I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated.

Thank you for your immediate attention to this request. I anticipate your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Saturday XX/XX/XXXX, I had deposited {$600.00} into my account and now I have learned that my account was frozen due to transactions that I have verified multiple times over the span of six months and having to go to the branch multiple times and it has been inconvenient and frustrating beyond belief. I have spoken to Truist multiple times to their debit card fraud department and now their enterprise fraud management and they're saying my account is under review and the money I deposited was money from my mother and was to be used for rent and now its behind and I'm beyond frustrated. They have done this over a span of six months where I have had to verify transactions such as XXXX XXXX XXXX XXXXXXXX purchases and it is ridiculous.

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