vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: GA

Complaint narrative:
XXXX is reporting an address that Ive never lived at, XXXX XXXX XXXX XXXX XXXX Tx XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: CO

Complaint narrative:
I opened an account with XXXX XXXX XXXX XXXX XXXX for a credit card on XX/XX/XXXX this account was paid in full and closed on XX/XX/XXXX. It was closed in good standing with a balance owed of {$0.00} On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX reported this credit card account ( # XXXX ) as XXXX days past due with a balance due of {$0.00} I contacted XXXX XXXX on XX/XX/XXXX and was told to file a dispute with them via docusign. I did so and received a letter stating they can not find this account in their system. I received 2 letters stating this last week. 
Today, XX/XX/XXXX I have spent 2 hours being transferred with representatives at XXXX XXXX XXXX XXXX XXXX and they still say they can not resolve and/or find this account. The account is showing derogatory and delinquent 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 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
In XX/XX/XXXX, I inadvertently deposited a check from XXXX XXXX XXXX XXXX XXXX XXXX and made payable to XXXX XXXX in the amount of XXXX XXXX XXXX XXXXXXXX XXXX and XXXX/XXXX ( {$2900.00} ) Dollars into my personal checking account with Capital One. 

I am the owner of XXXX XXXX, a Rhode Island XXXX XXXX XXXX. I inadvertently deposited the check into his personal Capital One account instead of his business account. Funds were not available at any point after the deposit and CapitalOne froze my account. I immediately called Capital One and was provided a case number. The case number is XXXX. I called customer service several times referencing the Case Number and was told they were investigating the issue. 

In XX/XX/XXXX, my account opening balance was XXXX XXXXXXXX XXXX  and XXXX/XXXX ( {$3000.00} ) Dollars ; however, on or before XX/XX/XXXX, Capital One withdrew all funds and the account balance was XXXX and XXXX/XXXX ( {$0.00} ) Dollars. The funds were not returned to me and my account was closed by Capital One. I called customer service referencing the Case Number again and was told by Capital One that they could no longer talk to me about it because my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
There has been no assistance provided for my loan. The mortgage company/loan servicing company failed to pay the home owners insurance in XXXX for XXXX. I called multiple times and the XXXX XXXX XXXX assured me the payment was made. However, I received a letter in the mail that stated the home owners insurance was force placed at a rate that creates a hardship. My original homeowners renewal offer was for {$990.00} and the insurance placed by the mortgage company is {$2100.00} This takes my payment from {$2500.00} to {$2900.00}. The mortgage company has shared that they did not pay the policy on time and was unable to be renewed XXXX spoke to them and shared that it is now my responsibility to find a new insurance company and send over proof of insurance. This is a predatory practice that supports the pockets of insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I am being sued in the wrong venue by a law firm claiming to be a debt collector. According to the FDCPA the proper venue for this debt is the district court. This law firm does not have a valid contract after asking to validate the debt and is now filed a complaint in a state court for breach of contract when they have failed to respond by providing the contract. This is a violation of the law. They also ignored my requests to produce the contract and have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mortgage was moved from XXXX XXXX to Mr Cooper on XXXX XX/XX/2023 Mr Cooper onboarding said that the auto pay would transfer and that I would be able to see this on their web portal from XXXX XX/XX/2023. 

XXXX XXXX were unsure if the autopay would automatically transfer, so I checked with Mr Cooper by telephone and they could not confirm. 

On XXXX XXXX I went to the web portal and it showed that no autopay was set up and that my XXXX payment was late, so I set up a one time payment for the next day and set up autopay from XXXX XXXX onwards. 

I checked again on XXXX XXXX and found that Mr Cooper had processed XXXX payments on that day and changed the auto pay to be from XXXX XXXX and added a further one time payment scheduled for XXXX XXXX. 

I called Mr Cooper and spent over an hour speaking to XXXX in Escalations who was able to cancel the second payment but was unable to cancel the scheduled one time payment or update the autopay- she told me it would all be resolved within 24 hours. 

I checked at 24 hours, 48 hours, 72 hours and 96 hours and the problem was not yet resolved. 

I called Mr Cooper again on XXXX XXXX and was told that nothing could be done and that I needed to wait until the following day. 

I called Mr Cooper again on XXXX XXXX as the problem still exists. I spoke with XXXX in escalations who said they were having IT issues and had no idea when or if the problem will be fixed. So I asked to speak to a manger and she refused to connect me and said that it was policy that I had to wait for a call back which could not be guaranteed but should be within 48 hours. 

At this point, I have no idea what payments have been requested, or taken, or scheduled and I have no idea whether I am up-to-date with payments or if I will go into default in XXXX or what I need to do to stop that happening. I never had a single issue with XXXX XXXX but Mr Cooper, whilst promising an increase in service, =have been terrible and continue to be so. 

Surely there must be some way I can stop my mortgage being purchased by this inefficient and disreputable organization? Or at the very least some way to ensure they meet minimum standards of fiduciary responsibility? 

Please can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I received letters in the mail stating that a credit card, and change of address was made on my account with Genesisfs Card Services. The problem is I never applied for this credit card service!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR

Complaint narrative:
Did you buy this alleged debt? You have no proof that I indeed went to see this doctor and/ or was seen by this doctor. ARS is making an assumption that this debt is mines. I consumer XXXX XXXX did not receive any validation of this debt. This is a violation according to 15 USC 1692G. Consumers indeed are the only person that can indeed validate a debt. You as a debt collector can not. Many of debt collectors get sued for this very reason because unfortunately, you assume liability the moment that you buy this debt or communicate with the alleged consumer about this alleged debt. This is a violated to the HOSPITAL AND ALL MEDICAL CLINIC. I have the right to privacy as a consumer. Medical debt is back by protection and privacy. 




Company 's Response Thank you for taking the time to write us. We are a third-party debt collector. Your accounts have been placed with us for collection by medical professionals. The services received were XXXX  services. Per the XXXX  records, these were rendered per your initiation in urgent or emergent circumstances. If you need your medical record or consent to treatment from the time of service those records can be obtained by contacting the facility directly. Our records show we sent debt validation to you in XX/XX/2022 which confirms the date on which physicians provided services, original creditor, current balance, and language on how to dispute the debt. If you wish to obtain an itemized statement for your records, please submit your request by emailing XXXX. Our reasonable investigation has confirmed the accuracy we have about your account and verification of debt will be mailed to the address on this complaint. This communication is from a debt collector. Respectfully, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX filed first complaint and dispute of misinformation on my report. My report hasn't been updated from two closed accounts that were settled. Also, misinformation is displayed on my account regarding a collector for a collection that was included in my XXXX Bankruptcy filing. 

The responses received only stated that the issues were still being investigated after 60 days has gone by.

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 2023-06-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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 patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
As noted on my Credit Report. XXXX XXXX XXXX # XXXX is listed as an account in Collections for me. 
I contacted XXXX XXXX XXXX  and was directed to XXXX XXXX XXXX ( A collection agency ). XXXX XXXX informed after reviewing my file, that my old bill with XXXX had been paid off in 2020 to the XXXX XXXX. Therefore, my account was closed with their collection agency and they had never reported my debt being in collections with them. This Collective on my credit reports and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is inaccurate information on my report, specifically the account XXXX from 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 2023-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I havent lived in XXXX for almost 6 years and this bill was added in XXXX of this year. I am unable to get in contact with anybody with the company and the address comes up to a parking garage in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( XXXX XXXX XXXX ) Account number XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions.

15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting

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 2023-06-13 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I deposited a check via ATM on XX/XX/23 in the amount of {$1200.00}. {$970.00} of the deposit was placed on hold pending verification of funds. Two hours later the remaining {$220.00} was also placed on hold. The deposited check cleared the issuing bank on XX/XX/23 and the funds were transferred to my bank. On XX/XX/23 my funds are still being held. The fraud department cited the reason as being because it is a new account. According to the account agreement, an account is defined as new if it has been opened less than 30 days and my funds will be available on XX/XX/23. I opened the account 54 days ago on XX/XX/23. It is not a new account by their own definition. Additionally, there is no valid reason to continue to hold funds that have already been paid by the bank that the check was written on.

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