vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
On XX/XX/XXXX, I was very sick and was having trouble XXXX  and needed XXXX  and was taken to XXXX by my boyfriend. While I was in the chair and ready to be XXXX  with the XXXX, the XXXX  tech demands I sign a paper and states that unless I SIGN it they will not draw my XXXX. I ask what the problem is as I have XXXX XXXX  and have met my $ XXXX deductible for the year, and had previously checked with XXXX to make sure I was covered! She states that's their policy in case XXXX doesn't pay ( she tries to calm me down my saying they will probably pay and it might not be an issue ) but demands I sign it. 
I should have refused, however, I was very sick and just wanted to get it over with and leave to go home. I was running a XXXX, could barely XXXX, and was XXXX  and XXXX. 
I get the bill later and see that they are trying to bill me for part of the XXXX, so I call XXXX, XXXX states maybe its a problem with the coding, so I call my XXXX and they send over codes to try and correct the issue. This goes on and on for months, with several calls to XXXX and XXXX trying to correct this, then in early XXXX I start getting threatening calls from XXXX stating they will send me to Collections, so again I call XXXX and explain the whole thing again. They call XXXX with me on the phone and explain to XXXX that I have ZERO LIABILITY per their CONTRACT. XXXX sends my file to CREDITORS BUREAU USA -A COLLECTION AGENCY and states that I signed their paperwork the day of the XXXX  draw, which makes me responsible! I call XXXX again and beg them to intervene as this is not right, legal, or ethical to demand someone sign something under duress, when I paid thousands of dollars to XXXX and for XXXX insurance coverage, to now be harassed and have my credit tarnished. XXXX states they cant do anything except note it in their " file '' for when they negotiate their contracts with XXXX!!!! So not their problem apparently, and XXXX  is forcing AND DEMANDING UNDER DURESS patients to basically agree to be " back billed '' for services that should be covered by their insurance. HOW IS THIS LEGAL????? HELP!!!! 
I have been refused credit now and have had my credit limits lowered because of their negligence, fraud and illegal activity! My credit was perfect and they have ruined it! THE PAPERWORK I ATTACHED FROM XXXX SHOWS ZERO PATIENT RESPONSIBILITY!

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 2021-06-21 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: CT

Complaint narrative:
I have inquiries on my report that are not mine. I sent in the dispute over a month ago and no one contacted me or resolve the issue yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CT

Complaint narrative:
I have inquiries on my report that are not mine. I sent in the dispute over a month ago and no one contacted me or resolve the issue yet

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 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc.
State: NV

Complaint narrative:
This company continues to hit my credit for a bill or something, I am not even sure about. Initially I called the company and they are asking me to pay a debt for an address in Alabama that was on my credit due to fraud. I have never even been to Alabama. I do not understand how or why they continue to hit my credit for something over and over again. I am in fear of contacting the company again because of the harrasment and repeated hits on my credit report. Please advise.

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 2021-06-21 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
On XX/XX/XXXX, I tried to unfreeze my credit reporting with Equifax, online. Their system wouldn't let me complete the process. I then tried to complete this over the phone with the same results. There was no option to speak with a person. It stated that I was to mail in my request with SS card and Drivers license ( I was unconfortable doing this in the mail but, I did ). I have not heard from them confirming whether or not it has been unfrozen. I have the pin number issued when I froze my account but, was never asked to provide it. I feel that I have the information ( Pin # ) given when account frozen but Equifax is making it difficult to readily access the information crucial in operating in this information age ( like I'm being held XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$770.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Mortgage payment to Suntrust Mortgage was submitted via My banks bill pay ( Typically takes 5 business days to receive and I have proof of sending payment thru my XXXX bank bill pay function ). Suntrust claims that payment was not received via mail in XX/XX/2020 and the payment ( {$1200.00} ) was deemed late ( I had to cancel the check ). They blamed it on the USPS. Loan was then put into default. I sent a second check to make payment. I then received notification that the initial payment was received but could not process due to it being cancelled. This same issue happened the previous month in XXXX XXXX as well. 
Suntrust reported the default to credit bureaus and now my credit score is the lowest that it has ever been. I have filed a dispute with Suntrust and was told it may take up to 60 days for review and notification of the results. Suntrust does not accept electronic payment of any kind unless it is thru their site. Since they only take mailed check, its my opinion that payment was not processed in a timely manner due to lack of manpower or issues within their own system.

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 2021-06-21 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: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with LVNV FUNDING LLC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I received the following email and I did not apply for a loan : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX, XXXX, WI, XXXX Dear Applicant, Thank you for your recent application. 
Description of Account, XXXX, or XXXX XXXX : Application for a personal installment loan. 
Description of Action Taken : We have declined your application. 
Principal Reason ( s ) for Action Taken Concerning Credit : You have submitted an application that was declined within the last 365 days. 

Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 

If you have any questions regarding this notice, you should contact : Creditor : NetCredit Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Back in XX/XX/2020, I was scammed via XXXX. A friend of mine contacted me via XXXX ( which she regularly did ), and asked me for XXXX dollars. Since we are good friends, I told her I could only send her XXXX, which I did to the email address she provided. I called her immediately to confirm, and she then told me a hacker had gone into her XXXX account and was texting various of our friends. I tried calling my bank, but it was XXXX XXXX, so I contacted FTC instead. Since that day, I've been filing various reports with my bank. They refuse to refund 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 2021-06-21 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: CT

Complaint narrative:
I have inquiries on my report that are not mine. I sent in the dispute over a month ago and no one contacted me or resolve the issue yet

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 2021-06-21 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-06-21 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: TX

Complaint narrative:
I contacted Experian about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and Experian informed me they have the right not to investigate which means its okay to update incorrect 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 2021-06-21 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: TX

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I XXXX XXXX Mailed a Debt Validation Letter to Waypoint Resource Group on XXXX XXXX These are the Individual action not taken! .Company did not comply within 5 days after speaking to me 2. I requested Validation and they did not provide 3.They have not ceased to collect on a debt that is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: TN

Complaint narrative:
I have been receiving calls from phone number XXXX since last fall. When I try to call the number back from my regular phone number it says it's not a working number. They call about once a week the call is mark spam it goes to my voicemail and they do nothing but say my name and hang up. They just say XXXX and hang up so this is been going on yeah since last fall I have it in my voicemail since XXXX of 2020 and it happens about once a week I finally figured out a way to find out who it was and what they wanted because I downloaded an app called XXXX and use the phone number associated with that to call XXXX and I found out the name of the company is Kinum and they are a debt collection agency based out of XXXX. This is very harassing and concerning that they would go to this level and I don't even know what this is for ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
I am XXXX and was waiting for XXXX to pay their part on the medical bills so I got behind on my bills. I wanted to pay off the bills so I called and was charged XXXX this was on XX/XX/XXXX. This was the total I owed so I paid it. 

Got a letter XX/XX/XXXX, saying I was behind on a bill fro XXXX so I paid it. 

Now come to find out that bill was from XXXX XXXX, and had been paid in the XXXX I paid and now they will not return my money. 

The billing office is hateful and condescending and just try and make you mad..They don't know what they are doing and get paid for that They transfer me from one agent to the next al the while saying smart and hateful things. 


One office blames the clinic the clinic blames the billing office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking, credit card, and brokerage account with Wells Fargo. On XXXX we had an issue with our brokerage account since we were converting it from a cash account to margin. I used my Wells Fargo credit card to pull a cash advance in the amount of $ XXXX and moved it to our brokerage. After finding out I didn't need to do this ( since the margin call was erroneous ), I paid the cash advance back in full XX/XX/XXXX ( before my credit card statement ). I called and spoke to customer service and a supervisor to request leniency and understanding to have the {$350.00} cash advance fee reversed since I paid the amount immediately. They refunded {$20.00}. Then my statement cut and even though I already paid the entire balance before the statement, I was charged {$38.00}. I requested this be refunded on XX/XX/XXXX which was denied. Completely appalling for Wells Fargo to claim that their internal process does not allow fee reversals anymore.

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 monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Coinbase is refusing to allow me to withdraw my money in the cash portion of my account. They claim they need to verify my account. However, they don't need to verify my account when I'm paying them their fees, so that's a double standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
In XXXX we took out a Home Equity Line of Credit ( HELOC ) with Wells Fargo Mortgage ( SHORT FORM LINE OF CREDIT DEED OF TRUST ) which was recorded with the state of Alaska on XX/XX/XXXX. This HELOC ( SHORT FORM LINE OF CREDIT DEED OF TRUST ) was paid in full on XX/XX/XXXX but the Deed of Reconveyance was not recorded with the State of Alaska until XX/XX/XXXX by Wells Fargo Mortgage. On XX/XX/XXXX we had applied to refinance our home again, this time with XXXX XXXX in order to lower our rate from 3.75 % to 2.75 %. From XX/XX/XXXX until XX/XX/XXXX XXXX XXXX attempted to obtain a copy of the Deed of Reconveyance from Wells Fargo Mortgage to no avail. On XX/XX/XXXX XXXX XXXX notified us that we were no longer eligible to refinance due to the apparent lien still on our property. Due to Wells Fargo Mortgage 's negligence in recording this Deed of Reconveyance we were unable to refinance our home with 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 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with ( PORTFOLIO RCplus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: MI

Complaint narrative:
About a year ago someone had made an XXXX account pretending to be me. They somehow got my XXXX account and debt card info. At some point i got an email about my account being charger and called XXXX about it. XXXX was the rep i talked to. He assured me the account was deleted and told me that no payment would be collected and to delete my paypal account. So i did, now I have a bill from the a debt collection office ( RFGI collection ) and they are requiring me to contact you guys.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation