vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hi Manager ; This is a violation of my medical rights and definitely a violation of both FDCPA and HIPPA violations. Listen, I was shocked when I reviewed my credit report today and I still found a medical collection from CFSI or Commonwealth Financial services for {$2100.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have never had any relationships with this company listed and i really don't want to waste my time going back and forth. I honestly do not believe to ever have any relationship with this collection agency or original creditor. I called them and they mentioned it's an old medical account from XXXX from XXXX XXXX XXXX  which i have NO RECOLLECTION and when i asked the representative, she said that she's going to place it under dispute for now. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
They are reporting this account monthly after account was closed and is charged off. I requested a full report of this account and till this day, I dont have any answers. They failed to respond to my pending Notice of Direct Dispute. They still haven't done their investigation.

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 2020-08-13 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: EQUIFAX, INC.
State: MN

Complaint narrative:
They are reporting this account monthly after account was closed and is charged off. I requested a full report of this account and till this day, I dont have any answers. They failed to respond to my pending Notice of Direct Dispute. They still haven't done their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not 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 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
On XX/XX/2020, I went to the website XXXX to check my credit score and decided to see what kind of refi rate I could get on my first mortgage. I was shown a prequalified rate of 2.65 % and XXXX points from a company called Cardinal Financial. Note, they know my credit score and LTV. 

I clicked apply and was called by a Cardinal MLO that day. I explained that my existing rate was 3.25 % for a 30 year fix, and he send me a link to apply. I applied on XX/XX/XXXX. The MLO did not call me back until XX/XX/XXXX. At this point he said that I could still get the 2.65 %, but now it required interest prepayment ( points ) with a 39 month break even!!! 

What is infuriating is that they did a hard credit pull on XX/XX/XXXX, which has lowered my credit score, and they did so apparently with no intention of honoring the pre-qualification rate. This is bait and switch, and it damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/20. I spoke with 3 representatives at equifax to dispute a bankruptcy and multiple inquiries on my account which ones were from duplicate companies that I kept receiving notifications. I spoke with XXXX, whe told me that they were not allowed to give their employee ID I asked to speak to someone over her and then she notified she can get me over to another department to request a removal and then transferred me to XXXX, employee Id XXXX is what she gave me. I explained the situation to her and she wasnt much help, I asked her if she was aware of section 609 of the fair credit reporting act that states that courts do not have jurisdiction over credit reporting agencies and they do not report to the credit bureaus. So I asked her how was this information reporting if the courts did not report it. She hung up on me. I spoke with another rep which I did not receive his name at about XXXX XXXX XXXX. I asked him about the duplicate inquiries in which he told me that there was nothing he could do to remove them and that I would have to call each company individually to inquire about them I asked again to speak with a supervisor he put me on hold and 10 minutes later the prompter told me to press 1 again. The process started all over again. It has been a huge hassle dealing with Equifax for they dont even investigate as they're suppose to and they allow whatever on your report to sit there and do nothing about it. I feel my rights have been violated and I have taken every step to dispute the matter so here I am filing this complaint. Equifax does not care about the laws that govern their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

Enclosed there is a printout from XXXX, it shows an attempt to pull my XXXX, but it was not successful because my reports are all locked with fraud alerts. 

Synchrony has been told I have not applied for any accounts with them now and this is against the FCRA to pull a hard copy without written consent via letter, phone call or application signed.

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 2020-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: MN

Complaint narrative:
I recently refinanced my home. On XXXX XXXX I received a letter from Veterans Affairs that I was due a refund of the funding fee on my loan in the amount of XXXX and the letter states that the lender has been given instructions to send me a refund. 
On XX/XX/2020 I called the mortgage company Guaranteed Rate and spoke with the servicing department which told me they had not received anything and that I should send a letter to the Research Dept., which I did on XX/XX/2020. 
As of today XX/XX/2020 I have heard nothing nor received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
The company did not answer any of my questions or resolve my issues. IQ DATA INTERNATIONAL is trying to collect a debt I DO NOT OWE THEM. IQ DATA INTERNATIONAL has failed to provide proof and Validation that I made an agreement or contract to pay IQ DATA INTERNATIONAL. IQ DATA INTERNATIONAL also failed to respond via mail after my direct Mail in contact, that they requested from me, before 60 days had past. IQ DATA INTERNATIONAL must remove their false collection from my report. They are in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). Please remove this from my report, this is false reporting. 

IQ DATA INTERNATIONAL will not provide proof that I signed an agreement to pay IQ DATA INTERNATIONAL. I do not owe IQ DATA INTERNATIONAL

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

Enclosed there is a printout from Ashley I was to receive a {$50.00} credit on my first order with my Ashley card, however when Synchrony decided to close the account, I got billed the complete amount. 

I can not get a statement online or make a payment. I need a statement so I can pay the balance. If this is another Synchrony tac-tic to make me late, it is unacceptable. 

The coupon says in store, but the stores are closed due to Covid-19, at least at the time of my order. And it appears they issued the credit to avoid legal actions. 

But the three letters received by Ashley customer services show the original balance.

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 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Company says I owe over {$400.00} from an XXXX XXXX XXXX account. However, I had tried to return equipment in the past. Credit agency can not guarantee that if I return equipment the fees will be reversed. In addition they have been calling multiple times a day anywhere between 3 to 7 times a day. I do not answer anymore because there is dead space on the other line for approximately 2 minutes and then they hang up after I identify myself. After receiving my call I generally get a notification that my credit report has been updated with a response that Sunrise Credit Service has added a derogatory mark on my report. Currently they are adding marks every week.

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 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
1. I was contacted by Chapman Financial Services via phone regarding a debt from XXXX XXXX 2 years prior for {$24.00}. I was asked for my mailing address and gave my XXXX XXXX . ( They lied ) saying they could only send mail to a physical address. 2. I received a collection notice stating the amount owed was {$20.00} and {$3.00} in interest. NOTE : the original has no wording for interest on unpaid debt. 3. I responded to the letter denying any debt and asked for verification I also told them to Stop all other communication other than mail. 4. I later received an undated letter claiming to be a statement from the original company. In fact the paper was an incomplete accounting printout. 5. After finding the original statement and check copy I responded to CFS including the original statement showing the amount due for ( TOTAL CHARGES ) and the check copy proving the due total was paid in full. I again requested verification of the claimed debt in the form of a bill or statement 6. XX/XX/XXXX I received a call from XXXX with CFS ( against my Instruction for mail only ) 7. My husband called XXXX the same day in an attempt to get information and was told we had all the required information and was told the note in the file would read " refusal to pay '' His response was that was a lie and if the debt was accurate it would be paid if the proper documentation was provided. The response was she was going to note " refusal to pay '' ( a lie ) 8.I contacted the original company giving them my personal information. XXXX XXXX confirmed there were no outstanding debts and this particular statement was paid in full XX/XX/XXXX. 9.I responded with another letter requesting proof of debt other than a company printout. My letter has also noted to place the claim in dispute.

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 2020-08-13 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: NV

Complaint narrative:
Problems with credit reporting due to inaccurate misleading information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Problems with credit reporting due to inaccurate misleading information on my 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 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is not a duplicate complaint. Chase has not taken the corrective actions it stated it would to resolve my prior complaint, and the company has not returned repeated phone calls. Please see my feedback to XXXX. 

Background : My mother passed away XX/XX/2020. At the time of her death, she had {$220.00} worth of Chase Freedom rewards points. A private banker at a Chase branch redeemed the points for her estate on XXXX XXXX, and later said a check would be come in the mail within 30 days. Six months later, the check has not come. No check has been cashed by her estate. I am the executor and trustee of my mother 's estate ( see attached documentation ). 

Update : In response to my last complaint, Chase said it would issue a new check for {$220.00}, if I signed and returned a Declaration of Lost Cashiers Check form. I originally faxed back the form at least a month ago. No check ever came. 

A representative at the executive office told me to resend the form with the lost cashier 's check number included. I did that, and faxed the form two weeks ago. No check ever came. 

Last week, Chase informed me that a new representative had been assigned to my case. He has not returned repeated messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC
State: AR

Complaint narrative:
Wednesday XX/XX/2020 {$16000.00} was frozen in my account because of suspicious activity I was asked to provide proof of identity and the letter from unemployment regarding the $ XXXX deposited on XX/XX/2020 so I sent them my up to date ID my social security number a selfie and the statement from unemployment confirming the deposit into that exact account. I called many times and keep getting it is being reviewed its not there decision its there XXXX XXXX  XXXX XXXX decision but when I called them they had no knowledge and they only provide BETTERMENT w their debit cards. I called Betterment again when I woke up this morning to an email saying my ID was expired which I sent my new ID from just moving to XXXX  and my old expired XXXX  ID just so they knew why I was receiving benefits from XXXX  I've been back n forth from XXXX  because I work up there 6 out of the 12 months a year spring n summer and now I explained to them I didn't have to send that ID MAYBE I shouldn't have but I did but my current ID is valid and finally the accepted all my documents but still keep acting like they can't unlock my account its under review but won't let me talk to who is reviewing it or give me any of my money. I know they might not have been affected by the Pandemic but I have and I need my money please. OK I took a break for a minute just now to read an email from betterment and they are telling me they are communicating w XXXX  about my ID that XXXX  didn't initiate at all and does know about my temporary address in XXXX  but that's not the banks place to give confidential information like they are cops trying to investigate fraud. Now if XXXX  asked about it than maybe but normally it'd take a court order to divulge a customer 's personal info. But that's my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2020 I mailed dispute letters to Experian, XXXX, and XXXX  requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.

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 2020-08-13 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: MS

Complaint narrative:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not 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 2020-08-13 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: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX was removed from my credit report as I never had a loan with them. Theyre now reporting that loan again under a creditor called Jefferson Capital System.

Company response to consumer: Closed with non-monetary relief