vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
My wife have an XXXX  and XXXX XXXX after seeing the radiologist  report about XXXX, I took emergency hospital XXXX  health center. I was with my wife and did not introduce myself that i m also doctor, and I just want to see their responsive. The Tech came and see my wife and tell my wife some unnecessary test to do which i decline and came back without see any doctor, and they don't give us any room and anything. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX and paid {$100.00} detectable. 
Later on I receive the latter that my wife owe {$1100.00} when I call my insurance they said hospital did not apply proper code for this bill otherwise we don't have any problem to pay them. I call the XXXX state health center to correct the code, and they told me let me tell the doctor which is unbelievable for me that I know that no doctor see my wife. Anyway, this look like health scam and I need a proper investigation on these charges and issue, otherwise i feel this is totally racism and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: OH

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which outlines the permissible purposes for obtaining consumer reports. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft On the dates of XX/XX/2023 through XX/XX/2023, I became aware that XXXX XXXX accessed my consumer report without a valid permissible purpose as defined under the law. This action raises serious concerns about my privacy rights and compliance with federal regulations designed to protect consumers like me. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NJ

Complaint narrative:
I have no knowledge of this account and have not been given any information from the collector. No calls, emails, or mail notices have been given to me about this debt. All medical expenses go to my insurance and are paid through XXXX. My primary care provider, XXXX XXXX, also stated that I have no outstanding medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
This company has failed in the obligation of permissible purpose 15 U.S.C. 1681b.

They have furnished my account without the written insturctions of whom the consumer relates.

I did not give them permissible purpose to furnish my account nonpublic personal information they have invaded my privacy and had no regard for the privacy rule 15 U.S.C. 6801

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 2024-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Collection Services, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX I was contacted by ASCI requesting to settle a debt with XXXX XXXX. I declined until I was provided accurate documentation as I had already disputed this collect under a different company and it was removed. In XX/XX/XXXX I contact XXXX and they stated the amount was {$63.00} not the {$190.00} that ASCI is reporting. I have tried to make contact with ASCI to removed this from my credit immediately as they arent reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX  account number XXXX please delete this account 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 2024-01-28 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: MS

Complaint narrative:
I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX  account number XXXX please delete this account 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 2024-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is my second time doing this. I am a victim of a XXXX data breach. I hope ftc investigate this to the fullest term. XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: LA

Complaint narrative:
Got multiple emails from chime mentioning getting a card but then had one say that I was approved and that it was going to ship out in 2 weeks and then it even showed an address it was going to ship to. Then the follow up email after that was about attaching a direct deposit account so then I wanted to do something about it but I read online about how this happens to multiple people and chime is the scam itself and that the phone number you call will just ask for more info like your SSN and DOB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
After a careful examination of my credit report, I have identified a significant discrepancy regarding the reporting of an account. Despite having made timely payments, my report erroneously reflects two late payments. It is crucial for consumer reporting agencies to maintain the highest level of accuracy in their reporting. I assure you that there have been no late payments on this account. For your reference and further investigation, I have attached a copy of my report highlighting the concerned period, specifically XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. Also, the No Data reported on XX/XX/XXXX. I respectfully request a thorough investigation into this matter and ask for concrete evidence if any late payments are claimed. Should these late payments not be substantiated, I urge an immediate correction to reflect the payments as made on time. Your understanding and XXXX XXXX of this issue 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 non-monetary relief
Consumer complaint received 2024-01-28 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: KS

Complaint narrative:
After a careful examination of my credit report, I have identified a significant discrepancy regarding the reporting of an account. Despite having made timely payments, my report erroneously reflects two late payments. It is crucial for consumer reporting agencies to maintain the highest level of accuracy in their reporting. I assure you that there have been no late payments on this account. For your reference and further investigation, I have attached a copy of my report highlighting the concerned period, specifically XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also, the No Data reported on XX/XX/XXXX. I respectfully request a thorough investigation into this matter and ask for concrete evidence if any late payments are claimed. Should these late payments not be substantiated, I urge an immediate correction to reflect the payments as made on time. Your understanding and swift resolution of this issue would be greatly appreciated. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with LVNV Funding LLC, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: KS

Complaint narrative:
After a careful examination of my credit report, I have identified a significant discrepancy regarding the reporting of an account. Despite having made timely payments, my report erroneously reflects two late payments. It is crucial for consumer reporting agencies to maintain the highest level of accuracy in their reporting. I assure you that there have been no late payments on this account. For your reference and further investigation, I have attached a copy of my report highlighting the concerned period, specifically XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also, the No Data reported on XX/XX/XXXX. I respectfully request a thorough investigation into this matter and ask for concrete evidence if any late payments are claimed. Should these late payments not be substantiated, I urge an immediate correction to reflect the payments as made on time. Your understanding and swift resolution of this issue would be greatly appreciated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am composing this urgent correspondence to implore the intervention of the Fair Debt Collection Practices Act ( FDCPA ) to halt the illicit foreclosure proceedings that are currently targeting my residence, which is presently in a state of pre-foreclosure. These proceedings have been relentlessly pursued by XXXX XXXX XXXX XXXX XXXX, headquartered in XXXX, Texas, and XXXX XXXX XXXX, based in XXXX, California. It is pertinent to note that the fraudulent Home Equity Line of Credit ( HELOC ) account, complete with fabricated and forged signatures and fingerprints, was initiated 19 years ago. 

I have lodged formal complaints with several authoritative bodies, including the Consumer Financial Protection Bureau, the Federal Trade Commission ( Account number : XXXX ), the California Attorney General 's Office ( Case number : XXXX XXXX ), and the XXXX XXXX XXXX XXXX Attorney 's Office ( Case number : XXXX ), in addition to corresponding with the California Secretary of State, XXXX XXXX XXXX XXXX Regrettably, my efforts have brought to light discrepancies, such as the discovery that a notary public had misrepresented her last name. Furthermore, I reported these egregious acts of fraud to the Federal Bureau of Investigation ( FBI ) on XX/XX/XXXX, and despite numerous interviews, the FBI has not pursued the matter, citing a statute of limitations related to the financial crimes committed nearly two decades ago. 

The financial toll resulting from this duplicitous conduct, which transpired in XX/XX/XXXX and XX/XX/XXXX, amounts to a staggering {$180000.00}. Moreover, the perpetrators made regular interest payments for 27 months to conceal their actions. To compound matters, the fraudulent HELOC account was sold to a debt collector by Bank of America in XXXX, leaving my wife and I ensnared in a web of deceit and accruing interest. 

In light of these distressing circumstances, I urgently implore your immediate intervention to engage the debt collector, XXXX XXXX, to halt the impending foreclosure proceedings scheduled for XX/XX/XXXX. 

Sincerely, XXXX XXXX and XXXX XXXX Homeowners of XXXX XXXX XXXX, XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX, contacted Rightpath Servicing via website requesting an Account Payment Summary beginning XX/XX/XXXX, when mortgage was signed, as advised by the the attorney represented in my bankruptcy filed in XXXX. 
The complaint is filed against the loan services Rightpath, Nationstar ( no account in my name ), or Mr. Cooper ( no account in my name ) could not provide the total account summary information. Upon receipt of, and after contact with the previous mortgage lenders, an account payment summary was acquired for the dates each lender serviced this mortgage, until date transferred to another servicing company. 
In addition, the payments made on the claims in my bankruptcy including this mortgage ( current, arrearages and interest ), and cross referenced to the other account summaries not provided by the current loan servicing company, Rightpath, payments were not applied to my mortgage as directed by the court. To-wit, this complaint was to be submitted as advised by my bankruptcy attorney if the company could not provide the TOTAL Account Payment Summary for the Mortgage and/or if the bankruptcy payments were not applied properly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NV

Complaint narrative:
This complaint is in regards to a letter I received from Jefferson Capital Systems LLC stating that they are a debt collector and they are attempting to collect an alleged debt from me in the amount of {$2400.00}. This shall serve as my refusal to pay the alleged debt in the amount of {$2400.00}. PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Steel River Systems, LLC
State: ME

Complaint narrative:
I received an alert from my credit monitoring service that I have 2 collections placed by this company. I have never received any notices in the mail.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: OH

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which outlines the permissible purposes for obtaining consumer reports. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, I talked to Chime about getting back more than {$6000.00} that I was supposed to get as a refund, but it hadn't shown up. The Chime person suggested fixing the problem by disputing XXXX transactions one by one. This made things messy, and even though most were approved, some got denied, making my claim 's less believable. even after showing proof that the merchant refunded me and asking them to combine all the transactions to one single claim number, so when I upload the proof who ever investigate it will see the total amount of all transactions in the claim vs just one transaction amount. Chime decided to still send me denial emails and a email stating they are closing my account on XX/XX/XXXX without giving me all my money back or full credit while they contact the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
Subject : Urgent Assistance Required - Account Locked Out Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to you with a pressing issue regarding my account with Huntington Bank. 

Recently, my account was locked due to a potential compromise detected by the bank 's security system. While I appreciate the bank 's vigilance in ensuring the security of my account, the solution proposed by them is not feasible for me. They noticed attempts t log in from my cell phone that kept locking out due to poor internet connectivity.They have asked me to visit a local branch to resolve this issue. However, I currently reside in Georgia, where there are no Huntington branches available. 

To verify my identity, I have provided two-factor authentication, and the code was sent to me successfully. Despite this, I have been unable to reset my password and regain access to my account. The suggestion that I should take a flight to the XXXX to resolve this issue is, quite frankly, absurd and impractical. 

I am in urgent need to conduct some banking transactions, and this lockout is causing significant inconvenience and stress. I am reaching out to you in the hope that you can provide some guidance or intervention in this matter. 

I understand the importance of security measures, but I believe there should be alternative solutions for customers who do not have access to a local branch. I am willing to provide any additional information or go through any remote verification processes necessary to prove my identity and regain access to my account. 

I kindly request your immediate attention to this matter. Please let me know how best to proceed, and I look forward to your prompt response. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief