vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
I have received letters of an amount owed XXXX} from a clinic that I never went to, someone used my identity for the services of that company, I have tried for more than a year to talk and resolve the situation and it has not been possible. The invoice was successfully disputed and withdrawn from XXXX and XXXX after investigations that prove that the debt does not belong to me, however experian continues to reflect the collection, I need this debt to be removed, it affects my credit and my opportunities to take out a loan

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 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I logged in on Transunion 's website to look at my credit report. I noticed an account that stated the estimated removal date to be XX/XX/2022. I called Transunion, and explained to customer service, since today is XX/XX/2022. She explained on her end, it shows the account will be removed in XX/XX/2022. I told her I was still logged in, and the account shows me it will be removed XX/XX/2022, and then requested to speak to a supervisor. The supervisor, XXXX, proceeded to tell me the same information, that on his end, it shows that account will be removed in XX/XX/2022. I, again explained what I saw on there website, and also saved and printed that information. I explained to him, that is a violation of the FCRA.

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 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MO

Complaint narrative:
After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. I sent this company a letter certified with tracking number XXXX XXXX XXXX XXXX XXXX requesting validation of debt and HIPAA authorization and requesting that they delete this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MD

Complaint narrative:
I noticed that there are a few inquiries on my credit report that are fraudulent. It is for XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. I never authorized this and requested the Experian to investigate this and have it removed.

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 2022-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
PREVIOUSE COMPLAINT XXXX - WAS NOT RESOLVED. NOT PROVIDED WITH WHAT I ASKED FOR. 

To whom it may concern I am writing this letter because I have already attempted to get a validation for late payments being reported to reporting agencies by Cross Country Mortgage. After receiving a letter back from XXXX XXXX, she stated in her findings that I was in the process of getting a loan modification when the account was sold and transferred to another lender which means I no longer owed Cross Country and now my debt was with the new company. I am writing because when I was in that process of loan modification and obtaining a forbearance, I was told no late payments would be reported during that process and before it could be fully modified the account was sold and they did the modification for me. What I need from your company is the XXXX negative late remarks being reported to the reporting agencies removed from my file. I am asking for a goodwill letter request and would like a Universal Date Form faxed over or mailed to all reporting agencies to be sent out on behalf of Cross Country. There is no need for Cross County to maintain these negative remarks as I have no debt with this company and these remarks are causing me a great harm financially on my background. I am asking for a good will request and have all negative remarks removed or show the proper debt validation that these payments were late even though I was in the process of a loss mitigation and was told no late payments would be reported during that time. 

Once again, it cost your company nothing to remove these negative remarks from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC, in XXXX IL around the beginning of XX/XX/2022 to verify a debt and got a generic response that answered none of the questions that I requested to be answered via my conditional acceptance. The response I was given on XX/XX/2022 also has multiple FDCPA violations furnishing information on a consumer credit report without the consent of the consumer is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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: CA

Complaint narrative:
Box XXXX : XXXX XXXX Department : Remove fraudulent accounts from 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 explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
PLEASE HELP! 
On XX/XX/XXXX I send Captial One Bank a letter requesting debt validation. Captial One Bank first failed to respond in the required time allowance. I just received their response in the US mail today. Captial One Bank also failed to abide by the law in regards to debt validation. 15 USC 1692g. As seen in the letter that I have attached one of the validation request was for Captial One Bank to send correspondence that bear my signature of an agreement. I received correspondence from Capital One stating that the application that I requested validation of debt was taken over the phone or the internet. Due to the fact that Captial One has failed to validate that this debt belong to me because there is no paper copy. They have no signature on file that I indeed open this account. I need to know how to get Captial One to closed their account and remove it from my Consumer credit report. This account has cause my consumer credit repair to reflect in a negative way and it does not reflect my credit worthiness. Statements and or charges does not validate that I XXXX XXXX indeed opened this account in XXXX. I feel like Captial One Bank is bullying me and is reporting a false fraudulent account on my consumer credit report. I never authorize nor gave permission for Captial One to report anything on my consumer credit report. Captial One needs to abide, follow and respect the laws of an Consumer. As a consumer I have rights and Capital One Bank is violating my rights. I feel like I am being treated like a Criminal. Captial One Bank has no documentation that proves I opened this account nor that its my account and continues to report it to the credit reporting agencies. I don't understand how these companies can continue to report items that are fraudulent and false. I really need help! This account that I didn't authorize is causing me an inconvenience. I am trying to purchase a home. I am working how to build my credit and increase my score and Capital One Bank is just sending correspondence that not only does not validate but they failed to respond to the letter in full. They responded to the parts that they wanted which is not a valid response. Due to the fact that its invalid and against the law if I am not able to get them to remove this account that I didn't authorize I will be force to file a litigation. Capital One failed me as a consumer 15USC 1692e, 15USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: MA

Complaint narrative:
My name is XXXX XXXX and this is my second complaint about the same issue with you your organization and it seems like your organization is not helping no one. Last year I filed a complaint about how my mortgage company Gregory funding keeps increasing my mortgage payment keeps going up every year. I pay right now XXXX every month frond XXXX XXXX dollars a few years ago last year my mortgage increased by XXXX dollars and I complained to you guys and you guys did nothing. Just a few days ago just got a letter from my mortgage company telling me now I have to pay From XXXX to XXXX dollars something is seriously wrong i really need help of I will lose my home after 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2022 - I tried several times to get my credit reports from the big three credit reporting agencies on-line. I provided all the necessary information and at the end of the process was told that I need to file a form by US mail. Really? I don't understand why I have to purchase ink for my computer and envelopes and postage to do something that I should be able to do on-line. Please consider my complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
To Whom It May Concern : I recently submitted a request for an investigation of an which you refused. I Report Confirmation XXXX enough information for you to carry out a reasonable investigation of my dispute since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than using your e-Oscar system, you would have known that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2022 - I tried several times to get my credit reports from the big three credit reporting agencies on-line. I provided all the necessary information and at the end of the process was told that I need to file a form by US mail. Really? I don't understand why I have to purchase ink for my computer and envelopes and postage to do something that I should be able to do on-line. Please consider my complaint. Thank you.

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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2022 - I tried several times to get my credit reports from the big three credit reporting agencies on-line. I provided all the necessary information and at the end of the process was told that I need to file a form by US mail. Really? I don't understand why I have to purchase ink for my computer and envelopes and postage to do something that I should be able to do on-line. Please consider my complaint. Thank you.

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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I had spectrum/charter internet for a short period of time when we moved to our new home. I work from home and require a good internet connection. I continuously lost connection and was told by IT after several attempts to fix the issue, that I needed to exchange the equipment at their local store. On XX/XX/2020 I returned both pieces of equipment to their XXXX  location ( 2 part router ). They gave me a different router which was only 1 piece vs 2 this time. It wasn't long before that router wasn't work, so they sent a tech out and exchanged that router for 1 router identical to the 2nd router ( 1 part router ). After losing connection over and over and being threatened with my employment, I finally gave up and changed companies. I immediately returned the router. All routers were now in their possession and I paid my final bill timely. I later received a letter saying a router was not returned and immediately contacted their office. I wasted nearly 2 hours on the phone and was told they would look into locating the item. I figured they located it and all was well until a few months later, I received another letter saying I owe for a router. Once again, I contacted their office and it was a repeat of the prior conversation. I thought they finally rectified the situation, however, just learned that they instead reported it against my credit a few months back. I should not be penalized for their mishandling as I did my part to return all items timely. I only had their service for a few short months and it was a nightmare. Every time I called for tech support due to the router not working, I just kept getting transferred around. There was only 1 tech that attempted to help me, which was just before I exchanged the router instore. I immediately switched to XXXX and have no use for their router. It doesn't make sense that I would only return half of the 2 part router, and that they would agree to give me a new router, if I didn't return both pieces that day instore. To clarify, they're claiming the missing item is 1 of the 2 part routers ( initial router set ), which was returned instore on XX/XX/2020 in exchange for a 1 piece router. They would not exchange a new router had I not returned all equipment. I have wasted enough time going back and forth over a XXXX item which is absolutely ridiculous. Their employees should be more accountable and/or their systems should verify items returned. I thought the receipt he gave me was sufficient and sent it to the company multiple times.

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 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: UT

Complaint narrative:
On XXXX I made a purchase through XXXX for an item offered by XXXX XXXX The item arrived damaged. I discovered the item after it was delivered, noted and documented the damage. I contacted XXXX requesting a return shipping label. XXXX responded, saying they do not solve third party transactions, but forwarded my complaint to the seller. However, I received email confirmation of the delivery from XXXX. At the bottom of that email, is a discloser that says XXXX handles all disputes with orders through XXXX or XXXX XXXX transactions. XXXX said via email, that the seller would contact me. In the meantime, I contacted XXXX requesting a return shipping label for the damaged item. XXXX responded after a few days with tracking number XXXX, and a XXXX XXXX arrived and took the damaged original package containing the item. I received no further communication from XXXX, and no contact ever, from the seller, XXXX XXXX. In their response to Discover, XXXX alleges that I failed to contact XXXX. Their email correspondence with me, clearly makes that statement false. I disputed the transaction through Discover, who posted a temporary credit. I uploaded evidence of the item being return to the seller, with tracking number XXXX. The seller signed a receipt for the returned item on XXXX. Some XXXX months later, Discover notified me they had received information from the seller, who contested my dispute. Discover determined the charge to be valid, based upon the response from the seller and from XXXX. Disregarding that the item was received damaged and was returned. I have again disputed this transaction, complaining of the seller 's and XXXX 's false information in their response to Discover, and their fraudulent actions. Considering the item was damaged, the seller could collect for the damaged item, with a claim through XXXX. Instead the seller is attempting to fraudulently maintain a charge for a returned item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I had to get an XXXX because of issues I was having and I did not have health insurance at that time. Did it privately and paid in full the amount ( around {XXXX} ) the doctor said it was going to cost. However, a couple of months later ( maybe 3 ), I got a call from the clinic saying I had an open bill with them of {XXXX} due to a XXXX they had not informed me they were doing. I complained the lack of knowledge and the fact that they never mentioned that before, but paid in full too. Almost a year later, I saw my credit score being completely destroyed, when I tried to investigate what was going on, I found out that there was another bill of {XXXX} from an exam that they had done and I was NEVER informed about or nothing. As soon as that came to my knowledge and ran and paid for it. However, they never took that out of my record. That whole situation was a mess and completely unnecessary to both parties. However, they got their money and I still have a wrecked credit score that does not reflect me as a payer.

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