vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aequitas Capital Opportunities Fund, LP
State: FL

Complaint narrative:
I was in the XXXX  of XXXX XXXX XXXX on XXXX XXXX, XXXXThe intake person asked for my credit card right away. She said there was {$100.00} copay and I said OK. On XXXX XXXX, I received an invoice for {$100.00}. I called the XXXX and spoke to XXXX. I told her about my visit and she said in Florida, Doctors bill separately. I then called my Insurer, XXXX  XXXX XXXX, spoke to XXXX on XX/XX/XXXX, and he said I don't owe anything. I called back XXXX on XX/XX/XXXX and told her this story. She said she would call back XXXX  XXXX. I heard nothing after that until, XX/XX/XXXX when I got an invoice from Care Payment, which is a collection agency for XXXX XXXX. I called them back and they said I should call XXXX. I called, spoke to XXXX XX/XX/XXXX, and she said I should show a copy of my credit card statement. I said I had a few credit cards at that time and they were hacked, shortly after the XXXX XXXX. I said I can't get information on the closed accounts. I asked why they waited almost one year to send me an invoice, and they just apologized.. 
This company, Care Payment is really a collection agency, read comments about them : XXXX XXXX XXXX, MI They are a predatory collection company. I have paid in full and still receive monthly XXXX fees increased each month. I have never asked for their services and would not recommend them to anyone. 


I'm sick and tired of receiving fake hospital bills from these XXXX. They are frauds and need to be dealt with by state and federal regulators. 
XXXX XXXX XXXX, NY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive got a copy of my credit report and these addresses below, are inaccurate. Ive tried to get these addresses updated or removed from my report for months, but it seems like that, theres no way I could get that done ; due to the fact that, agents wouldnt take my word for it. Id like these addresses to be removed immediately, I have the right to privacy and accurate report.

Once you have deleted inaccurate addresses from my report, please send me a copy of my updated report.

I am filling this consumer complaint and consumer check for compliance of these particular items that are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state ID and a bill to validate my identity. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-20 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: NC

Complaint narrative:
by fcra rights and laws for my consumer protection i have not given XXXX XXXX .XXXX  XXXX experian i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I submitted my IDR renewal with American Education Services on XX/XX/XXXX, which was the final day to submit. They then requested more information. I sent them via mail the paper application that they requested, my wife 's most recent paystub, my most recent pay stub and my tax return. They responded to me via a letter several days later on XX/XX/XXXX accusing me of not sending my own income information and telling me that I sent them the wrong tax return providing further instructions ( for the first time ) on which tax return information they needed. I then resent them my wife 's pay stub, my paystub and now the IRS form. They approved these forms on XX/XX/XXXX. 

Unfortunately, they decided to capitalize my interest stating that I missed the deadline. I have asked them via emailed exchanges how this was so. At first, I messaged them on XX/XX/XXXX noting that I applied on time. They responded the same date stating " we must receive all required documents within 10 days of the deadline. '' I responded noting that I had mailed it to them within the 10 days. They then responded XX/XX/XXXX by stating that " our office must receive the required documentation no later than 25 days before your current IBR schedule ends. '' They then referenced that this was stated in a recertification notice sent to me on XX/XX/XXXX ( attached ). However, on review of the document they reference, there is no mention of " 25 days '' or " XX/XX/XXXX. '' I find it frustrating that AES seems to do the bare minimum for the people it services and when it makes a mistake, refuses to atone for it. The most recent response states that my original application was " confusing, '' but they have not explained what was confusing about it. They seemed to not need another paper application when I re-mailed all my other supporting documentation as I did not mail a new paper application the second time. I only mailed my wife 's income, my income and the IRS tax form. 

Please let me know if there is any other supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been baking with Wells Fargo for about eight years for some reason my account went overdraft XXXX XXXX dollars they saying that I owe them and I had a check coming in my account so they put the money that I owe them on the side and let me receive my check which does not make any sense which cause my account to be overdressed {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/2022, I received a phone call from XXXX XXXX number. They threatened that if I did not pay my bill immediately that they would shut off my service. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has just gotten in my car after a XXXX  hour day. 

I payed them the amount they said was due which was XXXX. After that multiple unauthorized transactions were completed via XXXX, {$110.00}, {$490.00}, {$490.00}, {$490.00}, {$990.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I am requesting for XXXX XXXX Report, original signed contracts from consenting, and signed permissible purpose documents from that the agency is supposed to keep on file. 

Please see attachments

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 2022-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove inquires from my credit report. Transunion told me to list them individually for them to remove them. Please see attached police 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 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/2022, there was a request from PayPal credit to pay {$790.00} to avoid a XXXX interest so I paid it after waiting for receipt of payment it came back as I paid XXXX XXXX XXXX XXXX called up PayPal immediately and they said they did not receive a payment it was a scammer they said don't worrie we will take care of it no worries then I called my bank institution and they said lets close your account immediately so we did all credit card and checking 's accounts I then got an email from PayPal saying thank you for reporting the case after ref=views we found that certain transactions weren't unauthorized and hence couldn't be covered by papal purchase CASE ID XXXX I have called multiples times and i get no answers besides PayPal from your from your wallet and now XXXX owe pal pay {$790.00} minus {$37.00} which I had in my wallet which is gone to now is being demand {$760.00} pay pal I never authorized a XXXX XXXX {$790.00} I have no clue whom this person is I authorized pay pal dept only they owe me {$37.00} XXXX love using pale pal debit cash app never had any issues please help with is this was truly a scam thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: PA

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. 

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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-12-20 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: PA

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. 

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 XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2022-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Personal Statement I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERN BY 15 USC 1681, THEY VIOLATED MY RIGHTS PLENTY OF TIMES. I DEMAND THE INQUIRIES LISTED BELOW BE REMOVED, ACCORDING TO 15 USC 1681 ; I HAVE THE RIGHT TO PRIVACY, I DID NOT GIVE TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2022-12-20 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I took out a loan with Credit Acceptance XX/XX/XXXX. In XX/XX/XXXX I was in a car accident with my car. The vehicle was towed to a local auto yard. My insurance had lapsed, so the repairs were not covered. I contacted Credit Acceptance and explained the situation and turned the vehicle over to them, as I had no way to repair. This should have been a repossession in XXXX. 

The last payment made on this vehicle was XX/XX/XXXX. My loan was paid as agreed until I had my accident. 

Credit Acceptance is continuing to report this account, more than three years after I released the car back as an open account that is XXXX days late. This inaccurate reporting is intended to do maximum damage to my credit, and more than three years later is hindering me from being able to obtain an auto loan from a reputable lender because of my " open past due car loan ''. 

I have tried numerous times to have this corrected and have not been able to get any response. I understand that this account will report negatively, that is my responsibility, but the reporting is inaccurate and this reporting is doing damage to me and my family. I have been unable to secure reliable transportation for my children with this inaccurate 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 explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This happened between XXXX through XXXX Wells Fargo charged me around {$500.00} in fees by withholding the deposits not informing me that the funds wouldn't be available. And also their ATMs cut two or three checks in half that were returned and I've had other check cashing issues I finally just closed my account.

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had a couple mortgages with Wells Fargo in the past and got tired of them playing games. In the last closing I was told in advance what the costs would be and at closing the numbers were significantly different and I objected. I eventually switched from Wells Fargo Mortgages. I still have checking and savings with them as do family members.

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 2022-12-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Caliber Home Loans and I have gone back n forth trying to get this handled. There seems to be only one remaining erroneously filed lien by Caliber with HUD. This last one we need to see satisfied is loan # XXXX .... MIN # XXXX ... XXXX XXXX # XXXX partial lien in the amount of {$18000.00} OR XXXX XXXX pg XXXX on XX/XX/XXXX We have been working towards correcting Calibers mistake from XX/XX/XXXX since the middle of XX/XX/XXXX when it was discovered during closing month XX/XX/XXXX by title company. Title company is holding back XXXX in funds owed to me due to Caliber 's erroneously filed lien mentioned above. They have promised to try to fix this. even said they included a VP to try to help. Not that I can speak to anyone beyond their XXXX team. And no one is owning this mistake. its not just a balance owed. I am a person trying to close this loan out. trying to move forward, and yet bc of an error that Caliber will not correct with HUD, I can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
XXXX {$1800.00} XXXX XXXX.directly who stated they could not send me proof of the contract I supposedly signed. Refuses to stop.collections and remove from my credit reports, all XXXX of them. 

Contacted collection agency at XXXXXXXX convergent. Refuses and says they can't send me a contract also. Refuses to stop collections and told me to contact XXXX. Will not seize and desist collection efforts although I have asked numerous times for them to fix my credit report showing this is not my debt

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Pulled a copy of my credit report and this item was disputed and still appearing on my Equifax credit report. I never received validation from the original creditor. Reached out to the creditor and they have record of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: FL

Complaint narrative:
I was approved for Homeowners assistance program ( Haf ) for 18 months fwd pmts. XXXX pmt posted in XXXX with no problem and XXXX with no issue. XXXX XXXX was returned by bank and never resolved. Now I'm showing 1 month behind as each out that has posted since is covering the previous month for the missing XXXX XXXX. This is racking up late fees and hurting my credit. I have never been late on a pmt until haf. While I'm appreciative it's hurting me also. Then per guild mtg. My homeowners insurance tripled from XXXX to XXXX which increases my pmt XXXX per month. Haf covers XXXX I have to try to cover the rest but guild will not apply the haf pmt to my acct as it is seeing it as a partial payment. I've reached out to both haf and guild monthly since XXXX error. 
Thank you Haf app # XXXX. 

Address : XXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX  I had spoke with my credit bureau and they explained that it was a hard inquire from capital one on my credit report from XXXX. I contacted capital one on XX/XX/2022 to resolve the issue and also explained that I do see the inquiry. They keep telling me theres nothing in they system but yet its on my credit report and its affecting me.

Company response to consumer: Closed with explanation