vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I attempted to contact Medical Data Systems about a debt that they have reported to my credit. To date I have never received any correspondence from them in regards to any debt. I spoke with Medical Data Systems in XXXX of 2022 and they illegally threatened to report my debt to the collection agency for negative impact unless I paid. I asked for further information about bills that they held and they gave me incorrect information, stating I owed {$270.00} to XXXX. I called XXXX XXXX and confirmed no debt was owed. On XX/XX/XXXX, they claimed that I owed {$270.00} to XXXX XXXX XXXX  XXXX XXXX  XXXX and when I called that office they do not have me as a patient nor any account under my name. I also requested information regarding any other debt that was not sent to me. 
Today when I spoke with Medical Data Systems, they refused to provide me details about the debt regarding what was the original bill information. Legally it is my right to the following information : If the debt is medical debt, the notice must also state : Your right to request the original account number assigned to the debt. Your right to request the date of your last payment. Your right to request an itemized statement that gives you all of these : the name and address of the medical creditor, the dates of service, the services the provider claims it provided you, the amount of principal owed on the debt, any adjustment to the bill, the amount of any payments received from you or anyone else, any interest or fees, and if you were found eligible for XXXX XXXX and if XXXX XXXX payments were applied to the debt When I requested the original account number assigned to the debt, the collector said it was not provided to her. When I asked to confirm that she was not able to provide me with the original account number, she denied this but continued to say that she could not provide it. She was only able to provide me with the amount, date of service and doctors. She directed me to call my insurance for more information. When I asked her to again to confirm that she could not provide the information legally required for debt collection, she let me know she was ending the call and hung up on me.

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is reporting medical bills on my report that do not and can not belong to me. I have disputed the information but they have taken no steps to correct the errors

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 2022-04-13 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: NC

Complaint narrative:
Ive disputed two collections on my credit report that shows inaccurate account status. Also, these collection companies havent verified the debt to truly be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NC

Complaint narrative:
Ive disputed two collections on my credit report that shows inaccurate account status. Also, these collection companies havent verified the debt to truly be mine.

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 2022-04-13 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: VA

Complaint narrative:
The credit bureaus never did a proper investigation according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They did not do this. 

In accordance with the Fair Credit Reporting everything must be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated, but how is that so when the bureaus nor the collection agency provided me with the necessary information I requested proofing to me that I owe the alleged debt. 

They have violated the law according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 602 A. Section 2. States that a consumer reporting agency can not furnish an account without my written instructions I have not given my written or verbal instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: PA

Complaint narrative:
XXXX XXXX Bank has been notified multiple time about the inaccurate reporting of this account. I have disputed this account directly with them as well as through this CFPB portal before. They have gone well past 30 days without communicating to me and have failed to keep correct phone call logs if when I have called. This account was paid off and closed by XXXX XXXX bank. It was reported to have a late fee after it was closed. And the account from XX/XX/XXXX to XX/XX/XXXX had late payments. But was never charged off. And when I originally started to complain about the account XXXX XXXX bank added a full year of new late payments onto the account that showed me being late in XXXX!!!! XXXX XXXX Bank after months of me complaining agree to fix the account but not remove it. 

They updated the account inaccurately twice after that. I called and even submitted a complaint through CFPB portal and that investigation went no where. Never hear from the credit bureaus or from XXXX XXXX Bank. I stopped fighting this once the pandemic happened. My last attempt to fight this was XX/XX/XXXX. I called up to XXXX XXXX Bank on XX/XX/XXXX. And tried to goodwill this account deleted from my credit reports, because it is still showing inaccurate information. I was told by the lady on the phone, that she would be sending her boss a email and that someone would be calling me back that same DAY. I waiting 8 days and no one reached out to me. I finally called back yesterday XX/XX/XXXX and I was transferred 7 different times to people at different levels within inside XXXX XXXX Bank. And I was told that they were not going to do anything for me. Refusing to connect me to the corporate office.I was told to file a complaint and leave them alone. But this is when I got really upset. I was told that they have no record of me calling in on the XX/XX/XXXX!!! How can XXXX XXXX Bank be able to furnish my credit report when they cant keep correct phone call logs.

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 2022-04-13 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: PA

Complaint narrative:
XXXX XXXX Bank has been notified multiple time about the inaccurate reporting of this account. I have disputed this account directly with them as well as through this CFPB portal before. They have gone well past 30 days without communicating to me and have failed to keep correct phone call logs if when I have called. This account was paid off and closed by XXXX XXXX bank. It was reported to have a late fee after it was closed. And the account from XX/XX/XXXX to XX/XX/XXXX had late payments. But was never charged off. And when I originally started to complain about the account XXXX XXXX bank added a full year of new late payments onto the account that showed me being late in XXXX!!!! XXXX XXXX Bank after months of me complaining agree to fix the account but not remove it. 

They updated the account inaccurately twice after that. I called and even submitted a complaint through CFPB portal and that investigation went no where. Never hear from the credit bureaus or from XXXX XXXX Bank. I stopped fighting this once the pandemic happened. My last attempt to fight this was XX/XX/XXXX. I called up to XXXX XXXX Bank on XX/XX/XXXX. And tried to goodwill this account deleted from my credit reports, because it is still showing inaccurate information. I was told by the lady on the phone, that she would be sending her boss a email and that someone would be calling me back that same DAY. I waiting 8 days and no one reached out to me. I finally called back yesterday XX/XX/XXXX and I was transferred 7 different times to people at different levels within inside XXXX XXXX Bank. And I was told that they were not going to do anything for me. Refusing to connect me to the corporate office.I was told to file a complaint and leave them alone. But this is when I got really upset. I was told that they have no record of me calling in on the XX/XX/XXXX!!! How can XXXX XXXX Bank be able to furnish my credit report when they cant keep correct phone call logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
CRA not in compliance with FCRA & FCPBA this investigation is taking longer than it should.

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 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have tried several times to close my account with this service provider, but to no avail. There is no online option to close to account. When I call their customer service center, they handle me all the way to the point where they need to close the account, and then " by chance '' drop the call. When calling again, I get the runaround and am unable to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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: GA

Complaint narrative:
I have information on my report that is court information. Also accounts being shared without my consent.

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 2022-04-13 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
XXXX XXXX has marked my credit report as delinquent, yet their site shows payments every month. I was misled by their site and feel that their site is misleading and deceives you into believing you are current.

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 2022-04-13 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: NY

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX  XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 

NAME OF ACCOUNT : XXXX/XXXX  ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 


If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I accepted a zero-percent promotional credit card offer with Citibank in XXXX, XXXX. After making all my payments on time, I sent Citi payment in full of {$6500.00} on XX/XX/XXXX, to pay off that promotional balance in full ( otherwise that balance would be subject to interest charges beginning XX/XX/XXXX ). However, instead of paying off that promotional balance in full, they used a portion of it to pay off XXXX zero-percent flex-pay loans in the amount of {$550.00} I opened last month. I requested that Citi re-allocate my {$6500.00} payment to first pay off my XXXX, XXXX promotional balance in full, but they refused.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I contacted experian to remove fraudulent inquiries on my credit report, on XX/XX/2022 through the fraud department the inquiries stayed on my credit reported they just updated my information Also XXXX  under the civil law ( 15USC 1692k )

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I want to file a complaint against transunion for false and derogatory reports on my transunion account. This matter has made my credit score go tremendously down and I tried disputing the debts theyre saying I owe but havent been able to make any progress

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 2022-04-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX is reporting medical bills on my report that do not and can not belong to me. I have disputed the information but they have taken no steps to correct the errors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: CA

Complaint narrative:
Sent countless letters to XXXX regarding multiple debts on my credit report for correction and or proof item is mine ; XXXX never sent me anything and I believe an investigation was never performed. It also took XXXX more than 30 days to return anything and when they did it was just an update via email more than 30 days stating the information is correct when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: CA

Complaint narrative:
Sent countless letters to XXXX regarding multiple debts on my credit report for correction and or proof item is mine ; XXXX never sent me anything and I believe an investigation was never performed. It also took XXXX more than 30 days to return anything and when they did it was just an update via email more than 30 days stating the information is correct when it is not.

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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
I notified Harvard Collection Services LLC on XX/XX/XXXX regarding a class action law suit against XXXX XXXX XXXX XXXX XXXX XXXX which was the supplier of my XXXX XXXX XXXX account. I informed them that these charges were inflated charges that resulted in a class action law suit for several claimants, myself included. I spoke to XXXX XXXX, today XX/XX/XXXX at XXXXXXXX XXXX and she informed me that she received my documentation and my account has been placed in dispute status of XX/XX/XXXX. However, despite my account being placed in dispute status, Harvard Collection Services continue collection actions as I received a letter ( dated for XX/XX/XXXX ) today XX/XX/XXXX. According to the Consumer Financial Protection Bureau and the provisions of the Fair Debt Collection Practices Act, the collection agency must stop all collection activity once a dispute has been received and the required verification has been provided to the consumer. Their continuance to collect this invalid debt is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My forbearance ended in XX/XX/XXXX and deferment was approved at that time as well. According to the terms of the deferment letter I will resumed regular monthly mortgage payments of {$1300.00} starting XX/XX/XXXX and the past due amount will be deferred to the back end of my loan terms. But the servicer, Lakeview Loan ServicingXXXX , to this day has not updated my account according to the deferment terms. I've called every month since XX/XX/XXXX to inquire about this issue and every time they tell me it'll be fix in XXXX weeks. I continue to get collection calls from them. It has been 4 months and they still haven't updated my account according to the deferment terms. They are currently showing my account as delinquent with a past due amount instead of deferred as agreed. Now they have applied the recent four payments for XX/XX/XXXX to XX/XX/XXXX towards the past due months at the start of my forbearance which is XX/XX/XXXX to XX/XX/XXXX. Attached is the Deferral Agreement and the latest mortgage statement showing the past amount during forbearance has not been updated as current.

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