vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: CO

Complaint narrative:
I made an XXXX XXXX visit to XXXX XXXX in XXXX, Colorado in XX/XX/XXXX. I was covered by health insurance at the time and paid a number of bills related to the visit out-of-pocket up to the point of maximizing my deductible. More than 2 years later, in XX/XX/XXXX, I received a letter from XXXX XXXX XXXX attempting to collect a bill from Colorado XXXX XXXX XXXX for {$450.00}. I called XXXX and requested a copy of the bill and contested the validity of the outstanding amount since I had maximized my deductible under the policy. I could not find any record of having received the bill or any correspondence with my insurance company in my personal files. I never received a copy of the bill from XXXX, so I sent a letter to XXXX contesting the debt on XX/XX/XXXX. I have a copy of the letter and I sent it certified mail, return receipt. I never received a response to the letter from XXXX. 
I received a letter from another collection agency, XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX trying to collect the same debt. I called the agency and explained that I had previously contested the debt and again requested a copy of the bill. I never received a copy of the bill. I sent a letter to XXXX  dated XX/XX/XXXX explaining that I had previously contested the bill and repeated the reasons I was continuing to contest it. I requested that they discontinue an further harassment of me about the matter. 

I just received a letter from a third collection agency, CACi, dated XX/XX/XXXX trying to collect the same bill. I called CACi and attempted to explain that I have contested the debt twice already and don't think I should have to do so again for a third time. CACi stated that they are representing an organization called XXXX XXXX XXXX who is the " owner '' of the account. CACi offered me no other solution other than to contest the bill in writing a third time. I once again requested a copy of the bill from CACi, and the supervisor I spoke to said they couldn't provide it to me. 

Since I have never received any responses to my previous letters contesting the bill, I believe this now amounts to harassment and should cease. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: CA

Complaint narrative:
XX/XX/XXXX - my mortgage with XXXXXXXX XXXX was put in covid forebearance, under the Federal Cares Act, due to my husband losing his job due to covid impacts. 

XX/XX/XXXX, XXXX I contacted XXXX that we were able to resume mortgage payments and began a loan modification process. 

XX/XX/XXXX - agreed to modification terms. The terms included a 3-month payment trial plan required before the modification can be finalized and also required to refinance with XXXX or any other bank. 

XXXX XXXX XXXX XXXX Successfully made 2 of 3 new modified mortgage payments per the terms. Last payment is scheduled for XX/XX/XXXX. 

XX/XX/XXXX, XXXX received an Experian alert of a major derogatory account comment reported by XXXX on my credit file that negatively impacted my credit score by XXXX points, changing my rating from exceptional XXXX to good XXXX. This change will impact my ability to get best refinance rate once the modification terms are fulfilled after payment # 3 on XX/XX/XXXX, among other credit and future loan impacts, etc. 

I confirmed with XXXX during multiple phone calls regarding terms of the modification in XXXX, XXXX and XX/XX/XXXX that my credit would not be affected if I accepted the modification terms to ensure my excellent credit score would remain intact. They NEVER told me a comment would be reported to credit agencies that could potentially impact my credit score. 

XX/XX/XXXX XXXX I called XXXX and they have refused to remove the comment from my credit reports. 

My understanding is actions by Mortgage companies that could negatively impact consumer credit scores are protected for covid related forebearance ( including when resolving and exiting forebearance ) under the Federal Cares Act, providing all rules and terms were followed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me XXXX  and I'm seeking litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
In XXXX I was reviewing my credit report and saw that there was a debt that I did not recognize as mine. The alleged debt claimed that I allegedly owed {$1100.00}. I wrote a letter requesting validation from XXXX  Credit Bureau regarding this alleged debt. However, they did not validate the alleged debt according to the opinion written by XXXX XXXX XXXX of the FTC, nor to my satisfaction. I then wrote a letter to the collection agency, LVNV FUNDING LLC requesting validation of this debt with the same expectations that I wanted from XXXX. They in turn turned the letter over to Resurgent Capital Services. On XXXX, XXXX, I received a brief letter stating the debt was validated by issuance of a preprinted bill. This was not sufficient nor did it meet the FTC criteria. I in turn wrote a letter dated XX/XX/XXXX stating that this did not validate this alleged debt. 

Today is XXXX, XXXX, XXXX and I have yet to hear back from Resurgent with any validation to this alleged debt. In addition, they are still reporting this alleged debt without accurate validation. 

I am enclosing the information in the above aforementioned complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: MRS BPO, LLC
State: CA

Complaint narrative:
There is a collections amount of {$420.00} from XXXX  that does not belong to me. The account number as shown is XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX and Experian to remove a bankruptcy on my report that is inaccurate and does NOT belong to me. 

I even sent a letter supporting my case DIRECTLY from the courts stated that no record or case number has been found under my name. 

This request to have XXXX  and Experian to remove the inaccurate and unverifiable bankruptcy from my report. 

Thank you, 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 2021-08-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
My mortgage was sold by XXXX XXXX  to Flagstar Bank. The transfer date was XX/XX/2021. However Flagstar initiated collection activities on XX/XX/2021. Subsequently I paid my XXXX payment on XX/XX/2021 to Flagstar Bank. 

I was then contacted by XXXX XXXX  XXXX that my XXXX payment was late after payment had been tendered to Flagstar. 

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 2021-08-20 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXXXXXXXXXX XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXX XXXX  XXXX  inquiry from XXXX XXXX XXXX XXXX inquiry from 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 2021-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan kepts my {$1500.00} Dollars. I have the right as the account holder to access my nank details and my money any time I want. refusing my online banking rights because I am a foreigner is racism and discrimination by Chase bank and the CFPB who efuses to take action. I want access to my money again. The company has to propose a fair solution that gives me access back to my account and my bank details. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: AL

Complaint narrative:
Credit bureaus, experian, XXXX, and XXXX, reporting inaccurate information on report. XXXX XXXX XXXX showing open and XXXX XXXX also showing open, these accounts was closed after CFPB investigation for inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Attempting to make an overseas ( XXXX XXXX ) purchase of a {$120.00} item on XX/XX/2021, and the Bank of America put a hold on account requesting verification/authentication via text # code. Code was received via text after several minutes wait to receive, and the code did not work. Called customer service center @ XXXX, and placed on approximately 18-19 minute hold with no estimate of queue. Entire called lasted 21 minutes and 21 seconds, Customer Service agent was unable to resolve issue, as she wanted to authenticate via a phone call to the cell phone number I was calling from, but they had to keep me on the phone line while doing so. They did not give an alternative to authenticate me as a customer. Requested that I be transferred to a supervisor, and put on hold again. After this amount, of time to resolve I ended the call, as Bank of America did not seem interested in resolving the issue in good faith. In the previous month, Bank of America allowed approximately {$2900.00} in charges to go through on this same account, and I had to open a dispute to resolve the issue, that I detected when reconciling my billing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
i have a statement balance of XXXX ( i over paid ) they sent me few bills at the time and I paid all One was a combination of prior bill that payment was crossed in the mail I have the statement where they state owing me these monies ..a negative balance Been waiting for check but never received I just called and when I put in my social security number they have recording stating i closed account ( which I did not ) they closed in person stores System will not allow me to speak with anyone JUSTICE credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
THIS IS A NEW ISSUE AND COMPLAINT AGAINST WELL FARGO. My car was totaled and the insurance company paid Wells Fargo the insurance reimbursement. I then was left with a XXXX balance on the loan with $ 570 monthly payments ( attached statement ). This all happened during Covid19 crisis and during this process I lost clients and my income was cut in half. It tried working with them on several occasions to reduce the monthly payments and they refused. They offered no Covid19 payment options and also said they weren't offering any re-financing options. I filed a complain with you/CFPB and a representative replied they would work with me and call them. I called and they still refused to work with me on any type of payment plan or refinancing options. I then received a letter in the mail ( attached ) that said I had to pay the entire balance immediately and have posted two late payment credit reporting which has brought my score way down and is severely hurting me. I'm requesting an investigation at this point as I do not know what to do as they falsely saying they will work with me. At this point I may have file bankruptcy and need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I paid off my mortgage with United Wholesale Mortgage. As of today, XX/XX/2021, I still have not received any recorded documents related to my payoff such as discharge of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS IS INDEED ME. I AM WHO I SAY I AM. I AM THE PERSON WHO WROTE MY LETTER I SENT TO YOU! I AM A CONSUMER AND I KNOW MY RIGHTS!!!! I SENT YOU MY ID AND PROOF OF ADDRESS AS WELL AS A COPY OF MY SOCIAL SECURITY CARD WITH THE CERTIFIED LETTER I SENT TO YOU THAT YOU RECEIVED. YET, YOU ARE CLAIMING THIS IS NOT ME!?! 

I AM RESUBMITTING MY XX/XX/21 COMPLAINT FOR UNAUTHORIZED US OF MY CONSUMER REPORT! 
YOU ARE COMMITTING VIOLATIONS AGAINST 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 2021-08-20 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: Jon Barry and Associates, Inc.
State: CA

Complaint narrative:
There is a collections amount of {$37.00} from XXXX XXXX XXXX that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I wen to the branch directly to close my personal and business checking and savings accounts XXXX XXXX, I later found out that the accounts were not closed. I have called PNC several times and already filed a complaint directly with them in regards to not being able to close my accounts. I just spoke with them in XXXX about receiving a notice that an account I thought was closed months ago was closed in the negative for fees. I contacted them and was told that they would remove the account charges and I had no more accounts showing open. I am also not sure if they reported negative information on the business account that they failed to close after they closed it for a negative balance. I just received another notice that my personal business account is negative. I asked that all my accounts be closed and contacted PNC several times over a six month period asking to close my accounts. I filed a complaint with PNC and was contacted to say they would address my concerns and I still have another account that is still open and now negative. PNC continued to keep my accounts open after my request and charge me fees that XXXX XXXX and was again stonewalled and told that they could not pull up any information without me providing them the last deposit amount on an account I thought was closed and have no information on. I was told to go to the branch but when I do they told me they can not assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 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:
On XX/XX/2021, I wrote Experian a dispute letter asking them to verify a bankruptcy that is listed on my credit report. Experian then responded back to my dispute letter on XX/XX/XXXX via the Experian online platform and stated that the company that reported the information has certified to Experian that the information is accurate. I went to the United States Bankruptcy Court in XXXX, NJ and verified with XXXX XXXX, Case Manager Supervisor via a written letter that they do not share or furnish information to the credit bureaus. I wrote Experian another dispute letter on XX/XX/2021 and XX/XX/2021 asking them to remove the bankruptcy due to inaccuracies which are damaging my credit report as they have falsely and illegally verified the bankruptcy. Experian responded back to me on XX/XX/2021 via the Experian online platform indicating that According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). I then heard back from them again on XX/XX/2021 via the Experian online platform of which they provided me with my dispute results as the company that reported the information has certified to Experian that the information is accurate. Experian has illegally re-verified AND illegally claimed the bankruptcy as accurate, however I froze all third party bureaus on XX/XX/2021 ( it would be impossible to verify the bankruptcy remark when all of my third party bureaus are frozen. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been making numerous attempts on calling back a debt collector ( XXXX XXXX ) with no responses back. My calls have been going out since XX/XX/2021, No physical person to speak to. I left a message to have someone call me back to see what this debt is about. 

still have yet to receive any answered phone calls or returned calls from XXXX XXXX 
was listed to call Capital One which I called 4 times before getting someone finally yesterday XX/XX/2021. I gave them my information and they said they have no history of any debt. So why does it show up >?

Company response to consumer: Closed with explanation